Nasty Woman Deserves Jail Time | Financial Audit
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Hi, I'm Erica. I'm 23. I'm based out of Round Rock, Texas, and this is Financial Audit.

Thanks for coming on in. What do you do in Round Rock for a living? I'm actually an HR administrator. Very cool. We might need one of those soon. That's awesome. What do you make in this position? I'm at 65K a year. Great. How do you feel living on Round Rock in this? It's a little cheaper than the main area of Austin, but still very much suburbia of Austin. So not necessarily uber cheap, but-

I actually like it. It's manageable. So with that being said, just making sure that I'm keeping up with those things. Are you? I am. I am. But are you? I'm doing the best I can. So yes, I am. The best you can at $65,000. Yeah, well, I kind of have a lot of debt.

Yes, you do. So, I mean, that's immediately like, you know, I like some pleasantries at first before we dig into things. But when I hear you say it's manageable and I know the statements we're going to look into have some missed payments, I'm like, so what's being managed if we're not paying? I mean, you make the median household income in Austin is like $75,000 a year. So you're already making only $10,000 under the median household income, which is usually dual income. So you're doing okay. Yeah.

Yeah, I definitely am doing okay, but I wasn't making that always since I've been here. Okay, so how long have you been making this? Going on four months now. Four months, and then what were you making before this? Before that, I was making 21 an hour. 21 an hour, okay. How many hours a week? What were you making in a month, though? Overall, in a month, when I...

And you went into debt during that time when you're making 21 bucks an hour? No. It's kind of slowly built itself up since... Over how long? 23. It's not old. About 18, I want to say. 18. What was the first debt you took out? The first debt I took out was I have a Synchrony credit card. That's classic. My first was Synchrony as well. Wait, what?

I think it was a store synchrony. Yeah. Guitar center. Yeah. Um, and that was more so to build my credit. So that way I could get a car and, and I was able to get that car. Yes. However, recently, um,

I ended up giving it, trading it in, which I deeply regret. Why? Because now I'm in a lease and my... You're in a lease? Yes. And I was almost, pretty much almost done paying it off. But you traded in. Because it broke down and at the time I wasn't making the money. What were you able to trade it in for with it being broken down? Well, evidently it couldn't have been too broke down because they actually gave me a little bit more than what it was, what I had paid off. What was the car?

It was a 2018 Toyota Camry. What did you get for it? $13,500. Interesting. Okay. So I had total income from payroll $4,145. Does that sound about right? That sounds right. Again, it's not an insignificant amount of money. It's not. Not at all. Then why are you what you're in right now? I have a problem giving up all my money. I kind of make a...

Like my full check. I set out a plan usually like... Do you have a problem getting out your money? Again, $4,145 came in. What went out? Car note. Whoa. What number went out? What number went out? Spending. Total. Including debt increasing. Probably about the full $4,000. Give me a number. $4,120. Okay. So $25 less than came in? Yes. Okay.

Total spending was $4,506. So a few hundred dollars more. So trouble getting rid of your money. You get rid of all your money plus more. So I don't know what you're talking about out of the gate. More so just like when I'm paying bills and I see the number going down, I kind of panic a little bit because I'm like, well, that leaves no money for me to...

to be me and go out and do the things that I want to do. Not necessarily go out, but I do eat out a lot just because the job that I'm working right now is very demanding mentally. So by the time I get home, it's not, it's not, but by the time I get home, I don't very demanding mentally. I feel like a lot of us can say that for our jobs. Absolutely. And then all of us can just, so we all have the excuse to just go spend money. We don't have when we're not paying our bills. No,

but they definitely don't have to be on call. I'm pretty much on call a lot. I have a company phone that I have to keep with me at all times to make sure that I'm answering. Well, you'd hate being a business owner. Yeah, yeah.

Yeah, but I eventually want to own my own business to where I can. Do you? I do. Really? You just said it's too stressful to have to have a phone on you at all times. And trust me, being a business owner is 24 hours a day. It is. My thing is more so if I'm going to work this hard, I'd rather work hard for myself. So it's not necessarily something I can't do. Now that is fair. Yeah. How do you pay your rent? With Flex. Flex?

What do you mean? How do you play a ramp? Did we get it through Flex? No. We didn't see that either. So actually, your spending, because we didn't find it on the statements, is likely an additional $1,400 more than what I said, meaning you're probably spending $1,000

$1,600, $1,700 more than comes in. So trouble holding on to your income, I don't know what the f*** you're talking about. And what do you mean trouble holding on to your income anyway? Because if you go to work, you go to work, okay, you do your work and then you're on call. You give out your income every day picking up food on the way home. So what the f***?

you're talking about trouble holding you mean just paying your bills you have a trouble paying your bills but when it comes to things you want when it comes up you're all about it exactly okay then don't throw that at the just don't throw that at me at the beginning yeah like because that's not true you don't have a problem with getting rid of your money you don't you get rid of it every second of

Like I said, I just panic when I see that my when I'm paying my bills and I have a set plan and I go ahead and pay them and I'm starting to see that I'm getting down now to my last few hundred dollars. I do tend to panic a little bit. You don't panic when you spend six hundred thirty three dollars that could have gone to your payments on fast food on a monthly basis. No, because I don't see it all right then and there.

this is over a month ah meaning you don't budget i don't so you don't know that you've been spending okay obviously go through our budgeting program okay go through it go through the quizzes go through the whole educational platform stick to the meal plan make sure you're going through that you get that for free for being a guest you can get it at a bundled lower price right now with the investing program as well 15 off check it out link in the description below but then also miscellaneous bs was an additional 615 dollars yeah 615 dollars

So now we have $1,200 minimum. $1,200 minimum that could have gone towards paying some of the bills that you have late fees on that we're about to get into.

But you're like, here's these things I don't need, but feel good because I had a long little day and I'm stressed in my poor widow adult job. So let me just go blow $1,200 instead of actually, okay, you feel stressed. Yes. You feel stressed, right? Yes. You feel stressed? This is true. You know what would bring stress off? What?

Having less debt, less minimum monthly payments. How do you do that? You actually sacrifice for a bit. Then you start paying off that debt. The debt is paid off. Then you do not have those minimum monthly payments. You don't have the stress of having to think about that debt, of having to make those bills. But instead, you have extra stress because you're behind on payments because...

McDonald's is more important. I don't know where you're into yet. We're about to find out. But I'm assuming some Golden Arches is going to at least peek its way through. Yes. Tends to. Now, I will admit that that doesn't necessarily all go towards food. It more so goes towards, of course, food as well. But just trying to de-stress a little retail therapy. No, no, no, no, no, no, no, no, no, no, no. That was in the miscellaneous bullshit. The going out to eat of $600 or whatever dollars was literally only going out to eat.

So no, maybe don't. Maybe that's your math. Well, there's definitely some retail therapy there as well. And 2000 hours of large purchases. Now we'll see what all that is here in a bit. Give yourself a score. Zero to 10. I want to see where you self assess yourself. Zero being the worst, 10 being the best. What do you think you are on the financial scale? I would definitely give myself maybe about a six. Have you seen this show? Yeah.

Are you trying to like get punched in the face? What are we trying to do? I'm just more so that you asked me to rate myself and that's where I feel that I am. Okay.

Explain them, please. Like I said, so I try my best to start with a budget just depending on what I do believe. Five minutes ago, I heard you say you do not budget. No, I don't necessarily budget. But like I said, depending on what I'm trying to do, like as of recently, I'm trying to pay off one of my credit cards. I have been making more payments rather than just the minimum payment.

I have. And I don't use my credit cards. I have both of them frozen. So that way nothing's actually coming off of them, but I'm trying to go ahead and pay those down. Okay. Have you looked at your checking account spending? Yes, I have. Have you looked at your debt situation in general across the board, including collections? I've peeped at it. What's your retirement account at? I don't have one. What's your savings account at? Um,

I have about 500 maybe of that. And you have missed debt payments. Correct. And you believe you are above a solid middle of the road five with all those things.

Yes, with my intentions. Oh, you are trying to get punched. Okay. If you want your Hammer Financial score, it's free. Link in the description below. Also, even though I'm the tough love Caleb Springer, it's true. This is a fun little thing. We got all your agreements and everything for that. Make sure you give the guests some love because you were brave enough for coming on here. So good for you. Good for you for having some balls and just coming on here and trying to get your situation in shape. And if you want to come on the show, come on. CalebHammer.com slash apply. Happy to have you on. Let's start with Oh My F***. Oh, wow.

Wow, this is a thick daddy to get started. You went to Navy Federal and you're like, excuse me, madam, at the front desk at Navy Federal, how can I completely destroy my life before getting halfway through our 20s? Was that the question you asked? Because it's the question they answered. You somehow owe $17,000 on one card. $17,000, $17,000, $13,000.70. $17,000.

The limit is $17,100. So if you're not spending on here, that's a brand new development. Brand new development, as in right before you decided to come on the show. Minimum monthly payment is $415. Oh, I see. You're paying a little extra. So you paid a little extra dollars, a couple dollars. Okay. That's fine. But if we're missing other payments anyway, it's just like you're negating it regardless. $227 of interest accruing.

It's going to take the rate you're going. You're probably taking it down from 30 years to about 22 years. The rate you're going is going to take 22 years to pay this off. You're going to be in your 40s. You are going to be 45 years old by the time this is paid off with your little extra payments. Honestly, and I'm being a little more...

liberal with that. Conservative, you know, maybe closer to like 50. Well, actually, I haven't been using that car for at least six months. That's a lie. That's impossible. If you're making a little extra on it, even with this interest accruing, you should be making progress of about 200 bucks every time.

That's not possible because you're only under by $77. So unless was this dramatically above the credit limit? No. Then your math is not mathing. Well, the thing is, like I said, I haven't been using it. I've been paying the minimum, but I did miss a couple of months because I...

Fell on hard times. What's hard times? Hard times, I did not have a job. That's how long? For three months. Did your spending stop? Yes. Across the board? Across the board. The checking account? The checking account where you spent $1,200 minimum on bullsh** literally went to zero? Correct. When I was... Hold on, what month? What month? This was actually the past... Last October.

So this is actually a long time ago. Yeah. So it kind of caught up with me and you pull up your checking account right now. Show me last October. Okay.

I want proof on this because I do not want someone to come here. And just because I don't have the statements in front of me, I don't want them to be able to bull. So I want proof in that. I will sympathize with hard times. The moment on there that I see some bulls**t coming, you will lose it. And you're wanting to see the statement, correct? Oh, yeah. Just checking the count. Go back to October. And then in general, I mean, cool. You got a job again. Why did you go back into the habits instead of dealing with the

You put yourself in a hole because you went through hard times. First of all, why aren't you on unemployment? Second of all, why didn't you have an emergency fund? Third of all, why didn't you then, once you got a job, make up for the hole you put yourself in by getting out of it? Because like I said, when I first got here to Austin, I wasn't making the salary that I'm making now. I actually started at 18. I know, but you were still making money. Well, it wasn't enough to actually cover my bills. And how was your spending while you had those? I'm not going to lie. It wasn't the best.

And here we go. So is it that you didn't have the money? What is it? What is this water vending? So vending machine, you go to the vending machine every second of your life. So more so I wasn't necessarily going to there every day of my life. But when I did finally get a job, I was trying to avoid from eating out. But cash. Well, this is when you're laid off. You're cash apping out. Let's see. Potentially gas, potentially go inside, getting some B.S.,

Same with the dollar store. It's a little hard to tell. Cash app out. Went to Popeye's. Again, went to the dollar store. You may have been trying to cut back at that point. You were after paying. Vending machine, vending machine, vending machine, vending machine. Chili's. Probably went inside the gas station and got some bulls**t. That was six bucks. Vending machine. Oh, f**k. Oh, it continues. An Apple subscription, an Apple subscription, an Apple subscription.

went in definitely got some bull did not get three dollars thirteen cents of gas no guaranteed same with walmart you went in and got whatever that is again yeah going inside getting some bs uh more so at the gas station after pay zelling out money cash apping out money cash apping out money tiktok shop forty dollars unemployed saying we

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Cut back to zero. You lied. You're f***ing me. Uh-uh, we're not bullsh**ing this table. This table's not for bullsh**. I do have an explanation for that. I don't need to hear just for one. All this stacking up with another Apple bill. Another afterpay, afterpay, cash app and out, Wingstop, Little Caesars, Beauty Supply, Zelle and Out Money, cash app and out money.

Went in, got some bullshit. What are you going in and getting some bullshit? Apple bill. I'll ask that in a second. Went in, got some bullshit. Afterpay, Wingstop, Afterpay, Afterpay in every second of our life. Zelling out, cash tapping out. In terms of necessities, necessities are maybe 5% to 10%.

5% to 10% of that. So no, you lied. You did not cut back to zero. So I can't have sympathy. If you got laid off, you didn't qualify for unemployment because you weren't paying into the system long enough and you didn't have any support in that and times were tough, times were tough, times were tough. You have my full sympathy. You have my full heart. You have all the hugs in the world. That was 75%, 60% to 75% minimum bullshit in terms of individual purchases. Stopping, swiping, stopping, swiping, stopping, swiping. So no.

Why'd you lie? I didn't necessarily lie. In my mind, then, it made more sense to me. Then? What about now? Well, of course, now it doesn't make sense when you put it like that. But you are able to look back. Why'd you tell me that you cut back to zero? I did because I used to eat out a lot more and I was thinking, well, if I go in...

That's a reduction in half. Yeah. Well, listen, guys, if you haven't been making payments on your credit cards, I've just partnered with a new app called Relief. I always give you guys for falling behind on your cards. But if you're already there, then the amount they say you owe isn't exactly what you have to pay. In fact, as you fall behind on your debt, most credit card companies are willing to accept less money to pay it off.

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Do it now. Well, like I said, more so with the corner stores, like going there, it would be like getting water, snacks, and trying to make sure that I'm home all the time. Have you heard of a faucet? We live in the United States of America. Yeah, and they don't have the best water. Okay, Round Rock is fine. But at that time, I wasn't in Round Rock. Where were you? I was in Houston. Okay, I'm sure Houston's fine. Okay, a water filter, a Brita. Or we go to the grocery store and we get a big pack of

of water bottles, Ozarka or whatever it is. And it's like, they come out to like 5 cents a bottle. Yeah. Like, what are you doing? You're not stopping into gas station and getting a $3 life water or whatever. Oh no, I get two. It's like more so they'll be on sale for like two for $3. Um,

that's still horrible compared to going to the grocery store and getting bulk so even still it's stupid and you said other things too you didn't say just water yeah so um it'll be like snacks like i said um when i was going out so you didn't cut the zero i was just trying to make sure that i wasn't eating out and as you can see i did eat out a little bit but it as you see now they're still eating out probably a couple times a week there yeah now it's a couple times a day but

Yes. We'll get there. Yeah. Which is also not good for health. It's not. To be clear. Correct. We both got the thickness. We both should probably not have the thickness. Yeah. Better for our heart to not thick. Working on it. Slowly but surely. Okay. Well, not in your diet. Yeah. No. Not yet. You can't out exercise a bad diet. That's what they say. Coming from a man with tits. It's funny. But, you know, it is what it is. Yeah. Yeah.

It is. So, no, you didn't just fall on hard times. You fell on hard times, but you continued your spending even if at 25% of insanity. Yeah. So you put yourself in the hole. And then when you ended up getting a job, even in the three months that you've had a good income, you haven't worked to at least fill up the hole that you dug yourself into back then. So it's like that's hard for me to have sympathy. Understood. Understood. Your behavior is out of control. You're not a critical person. You need a charge card like the Fizz card or any other charge card where you put the money on. You can only spend the money that you have. Yeah.

I didn't even realize until as of recently that, especially like my secreting credit card, I've been paying that since I was 18. So now we're going on five years. Oh, yeah. And I've been trying to...

Up the limit because, I mean... Why? You should have... Not up the limit, but up the amount that I'm paying on it. Sorry. Oh, those are two very different things. Yeah, sorry. I misspoke. I misspoke. I felt flames coming out of my eyes when you said that. Just trying to pay more on it because at the time when I first got it, I didn't understand credit cards. I didn't understand how they worked, how credit worked. Sure. So I was...

solely playing the minimum which was like 89 and now i'm paying more so like 200 or 400 whatever i pretty much can you're lucky that the interest rate on this card is only 18 only but for our credit card for a lot of people on the show they're close to 30 but you still we're barely over halfway through the year you are still you lost two thousand dollars this year in interest on this card one card out of many of the debts we're going to talk about two thousand in interest

It's horrendous. Yeah. I can't lie about that one. You're just missing payments to the hard times. But hard times was a year ago. Yeah, but I haven't missed any recent payments.

I know, but like you said, that's why you were only $75 under the limit? No. I know you've been making such good progress according to you. I've had that card as well before October. I actually got it maybe two years ago. So this was a couple times that I actually lost my job and I didn't know that...

I thought I was doing good by paying the monthly minimum payment. However, after realizing and getting a little bit more knowledge as far as how credit cards work, yeah, the interest just started building on itself. And before I knew it, it went from $4,000 and then $10,000, and then it was completely maxed out. For example, a lot of people contribute 4% to their 401k because they get like a 4% match. Mm-hmm.

You had 4% of your yearly income go to interest on that card this year. So far. The year's not even done. What is it going to be like 6% by the end of the year? Possibly, yes. 6% of your income in interest on one card. And we have a stack of cards. Okay. See? Here it is. Unpaid late charges on this next thing. Right now.

what's the point of making extra on other things if you have late charges on other accounts it doesn't make sense you're just offsetting it you're just moving it from one to the other you're not actually making any progress this toyota is this the lease yes a 655 a month lease what is this car it's a 2024 toyota crown oh when did you get toyota crown i've never even heard of that when did you get it uh february this past february oh what's the lease term

36 months. I'm actually trying to see about getting out of it into something. What's out of it? What do you mean? Out of the lease. Out of it in which way? Like giving it back and trading it in for something else that's a little bit cheaper. For another lease? No. I'd rather move to a finance car so that way once I'm finished paying it off, it's mine. So one, you'd probably have to do it through them. So you're going to be stuck within their ecosystem for them to get you out of this lease. Or else it would be more of like a...

payoff trade-in thing through another people so you're really locking yourself in a box of this and then what's remaining on this lease to even pay um i still have you're lucky that used car prices are going down so by the time this lease is done you're actually probably gonna in terms of its buyout might actually be no that's actually worse because your buyout's gonna be

higher than what it's actually probably valued at at that point correct when that sucks yeah i've already kind of went back and talked with them and everything it was a i can admit that was a very stupid decision um at the time i just didn't have the money to actually fix my car um and i don't necessarily have any did you even know what was wrong with it

No, I took, I actually took it there to get it fixed. But in previous times when I've went there just to get something simple fixed, it's,

cost me $200 or more. And at the time... So to be clear, instead of paying $200 or more, we're now paying $655 a month. Well, at the time... That you're missing because you have unpaid late charges. Well, at the time, my account was in a negative. I didn't have the money. So how could you justify a $655 a month payment? That doesn't make any sense. It was more so... You couldn't do a $200 repair. Yeah, I couldn't.

That's one of the most crazy things I've actually ever heard. It could have been more. I never even got a chance to even get it.

I mean, you could have got, I mean, I doubt they would have let you get it, but you could have got like a Bugatti. It can always be more. Yeah. Doesn't mean that this is good. I don't know. It doesn't. Um, but more so I was in a mode of thinking that I just need my car cause I had to get back and forth and I, but this though, why don't we, if we had a lease, let's say you wanted a lease for whatever reason, still could at least a used car.

I didn't know that that was an option, to be honest with you. What do you mean? I didn't have much experience. I don't, even my family, they're more so coming from, you know, cashflowers. Did you have a friend or something you could have brought? Yeah.

Not anybody that knew what, you know, what was going on. Well, knowing that leases exist is kind of like, I know nothing about cars, but come on, I know that. Yeah. Well, no, the friends that I have, they don't even know anything about it. I've tried to, I was there. You should have had a conversation with my good friend, Chet GPT. You know, I didn't think of that at the time. She would have told you. She probably would have. I didn't think about that at the time. Hey. Hey.

Mrs. GPT, I can't afford a $200 repair. Any chance I can afford a $650 car payment? She probably would have said no. Probably. Yeah. I don't think Sam Alton is in favor of what you've done here. Mm-mm.

Okay, well, that's insane. You still have 32 months left and you've already missed payments. Only six months in and you've missed payments. My gosh. Well, I didn't necessarily miss the payments. So I was under the impression because when I've had my lease before, I mean, sorry, my Toyota Camry, when I was, that was financed.

So in the past, I was able to get a deferment and, you know, they put it on the end of the back end. But we haven't had very much of this on the show. And all of a sudden now, like everyone's doing that. It's like I swear this show comes to stages. People are just all everyone who's ever cheated on anyone filmed within like a few days of each other somehow. And also these people that put their car payments on the back of their car. They're all f***ed.

filming in a few days of each other. What is happening? Well, so weird. I thought it worked the same. Like I said, this is my first lease. So I thought it worked the same. And it turns out it didn't. And they didn't contact me until literally it was already too late. And it was already recorded reporting to my credit that I needed to pay in order to have a deferment. You know what the buyout is going to be in 32 months.

I don't. As of right now. What's your mile limit on it? And are you hitting it? Are you meeting it? No, I'm not meeting it. I'm not. I'm not there yet. At least don't do that. Not yet, but it's only been six months. Yeah, but I did go back and ask them and they said that they would only give me $32,000 for it, but it's worth more than that. It's.

Or it's not worth it. What do you mean they would only give you $32,000? Like if I were to give it back, which I've tried to express my options. Why would they give you anything decent to get out of a lease? They want you to be in this lease. Right. It's a money-making machine for them. You have a car subscription. Basically. Did not know that at the time, of course. Still kind of getting more information on that. I'm still not even completely sure what to do from here.

We'll figure that out at the end. Okay. I know you get your entire situation under the microscope first. Okay. Secretie, your friend that you've been paying on for five years. Correct. Is still at a current balance of $1,919. How'd you build this all the way up? Well, again, that interest, the interest on that particular credit card is at $2,900.

So, at first, I started off with not touching it. And then COVID happened. I was out of a job. What was your job? I was working at FedEx. FedEx.

Well, I started working at FedEx when I first started. But when COVID first started, I didn't have a job at all. I was actually coming home from college, which I didn't believe. Oh, so you didn't get laid off. You just didn't have a job going into COVID. Correct. I was going to say, because delivery, that was kind of one of the main things sticking around at the beginning. Right. So I did end up getting a job and everything, but I needed that car to...

hold me over and I did use it to pay my credit card. If you don't have a job, people, fun fact, we'll already have that card. Wait a minute. So you've been paying on this for five years, but again, you've only made $500 of progress. If you max it out. No. Um,

Because the credit is, I mean, the interest is so high, it kind of just defeats the whole purpose. It does, but after five years, you should have made a little more progress. Well, that's the card that I was paying the minimum on, and it was telling me that the minimum was $90. So I was like, okay. And I was paying the $90, but not actually understanding that it was still accruing a lot more interest. Not more than $90 a month. Hmm.

No, it was accruing interest a lot. Well, yeah, it was accruing interest, but not more than 90 a month. Okay, let's say it was at its max at $2,500. Okay. Let's call it 30% interest. Your interest would have been $62.50 a month. Right. So you were still making progress. Well, the problem is... And that was on a high end, too. It was probably closer to like $58 a month in interest. Well, I ended up using it to pay my car note a couple of times because I was in between still. Oh!

Financing a car payment. Financing a financing payment. Not having an emergency fund is an emergency, people.

This is as clear as this. I'm glad you have a good job now, but you're not utilizing it yet. You're not making any progress. Check out this trailer of an exclusive financial audit episode that no one has ever seen. How have you survived to 23? I ask myself that question a lot. Do you answer the question to yourself? No. It's just like, usually whenever I have to go out, I guess when I go out. Again, 384 came in from your job. How much do you think you spent? How much did I make?

384? Uh-huh. 384. You don't think you overspent? Oh, I probably... I guess I did, yeah. Seven, maybe. I don't like numbers. I'm, like, also out of practice, because I used to, like, do numbers all the time, but...

I've just been like staying at like either where I can. Oh, good. No way. Your couch? Hopping? Places I like stay at for the jobs. You're relying on bookings for a place to live? Yeah. So that's why you're willing to do this because it's at least paying for a roof over your head, but you're still getting nothing from it. Yeah, but I like love dogs. We think you might be too high to film it.

Honestly guys, this episode was just too crazy because the guest was a little bit too special and we had to end it early. So it just doesn't work to upload it on the main channel. So we've decided to give our YouTube members some extra love and we're going to have this go live tomorrow at 10 a.m. Make sure you sign up at the link in the description below and make sure you select the all exclusive content tier. It's uncensored. It's insane. It's wild. And that's the only place anyone's ever going to see it.

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Get it all at maersk.com slash insights. What's the payment on this at the minimum? The monthly payment is $120,000.

Minimum? Minimum. So it's $120 minimum payment with a balance of $1,919.10. Send a screenshot, not a statement, so I can't see the interest that's occurring. Well, it wouldn't let me pull the statements because I haven't been... That's one of the cards that I had frozen or turned off or whatever the case may be. So it hasn't... It wouldn't let me pull anything. What the f*** is this?

You're past due on a rent? A move out statement? Yes. So you owe $1,214 to a past apartment? Correct. What the? So I ended up having to get out of that apartment. It was very condemned. Huh? It was condemned. It was just ruined. The city condemned it? No.

It was just the apartment itself was very, the AC went out. Every time I was trying to get them to come and fix it and everything, they just kind of refused to help me or gave me the runaround. And then, you know, summer happened and the roach situation was terrible. I'll say that. Doesn't sound good. So I just had to get out there. I had to get out of that apartment. Is this in Round Rock or Houston? This was actually in Wells Branch. Okay. So south of Round Rock. Mm-hmm.

Hold on. No. Okay. I toured that with a friend and they... We'll put this picture in the video. It was horrible. It was an immediate no. We were wondering why the prices were so cheap and now we know why. And we were in their...

Getting renovated leasing place. And we were just kind of walking around when my friend was talking to the landlord there and or the leasing agent. And we came across this piece of paper just on a pool table. And it was all the units with roach issues that they had to solve. And it was a list of units with roaches. Yeah. Okay. So you have. Okay. Well, it's sewer. So this is everything. It's water, sewer, water.

Extra fees, pest control. Sorry. Okay. Water damage. Did I say? Wait.

Right. So they charged me for water damage, but that was due to the AC being out. And every time I tried to get them to come in and fix it, nobody would come. And like I said, they would just kind of give me to run around over and over again. So, um, yeah, I had to get out of there. And so you just left. No, I get, I returned my keys back. I asked, you know, what are my options? They were, I was told that either I could,

break the lease, which was basically two months worth of rent plus an extra $1,700. So it would have came out to about $4,000 or $5,000. But after talking to the property manager, I was able to find out that basically I can surrender my keys and they wouldn't necessarily charge me the next month's rent, which is clearly on there. So they didn't necessarily tell me the full truth. And I'm actually in a...

Disputing that right now, actually. Disputing what? Some of the charges on there as far as... With who, though? With Jetty, which is like a... They help you with your security deposit. It's a company that helps you with your security deposit here. I don't know Jetty. Here in Austin? Here in Austin. Because I originally wanted to go through Flex. They didn't offer Flex. So I just...

Went ahead with Jetty and they helped me with my security deposit and they notified me saying that the apartments actually made a claim. However, the documentation that the apartments gave is actually $1,000 more than what the total is on there. Well, I see they got rid of a termination fee and a rent fee, which brought it down by $1,000. But...

So, no, I mean, honestly, no, I think if what you told me is the 100% truth, they actually technically did it. They didn't charge you for the rent. The rent was on here and then it was excused. Yeah. But you got an additional fee for a roulette team fee.

For not providing a 60 day notice, which they didn't say they wouldn't do in what you told me. So, but listen, they were probably being sneaky and dicky about it. But with what you told me, it sounds like they actually may have upheld it. Well, that's not the that documentation that you have is not what they gave Jetty.

What did they give Jetty? They gave Jetty the original one that has the releting fee on there. This has the releting fee on here. What is the total for that one? I'm sorry. Total is $1,214. But again, there is a rent on here, but they took the rent off as they told you they would. So again, they didn't say they wouldn't do a releting fee for you. They said they wouldn't make you have that extra month of rent, which they did take off of here. So based on what they told you,

They actually did that. But then they went back on their word. No, no, no, no. Because the one that they gave the Jetty team is more than what that one is. What is it? 2,146? No, it's 3,177. Well, I don't, I have the ready things. Jetty. Jetty. I don't have that. Okay. So what can I say? Yeah. That's why I said I'm currently disputing that with Jetty and we're. How long have you been doing this?

have I been doing with this dispute? Um, it just started cause they just made a claim. So I want to say now since the beginning of August, I don't want it to go to collections. Last thing you want is this type of stuff on collections. It'll make it very hard to get a rent, at least again, synchrony pink. Oh, well, synchrony pink also lowered your credit line. Correct. Okay. So that also, so maybe you did make more progress and they lowered the credit line. Okay. That was a little out of order. Okay. Um,

Toyota, that's what we already looked at. Now we're looking at your credit report again. You missed June's payment. That just happened. Yeah. So that's the one where I was telling you I was under the impression that I could just sign a form and, you know, give it back to them and they'll do a deferment. The lady on the phone didn't tell me that I needed to pay basically $200 for each deferment.

So they... It shouldn't be deferring anyway. You make money. Well, I wasn't making it right then and there. June, July, August, December. You said you've been doing this for three months. Yeah, that's true. But I only get paid... It's funny how that works. I know, right? I only get paid bi-weekly. So...

at the time, like everyone else in the entire world. Um, no, a lot of people get paid weekly and I've heard a lot of people get paid weekly, weekly, weekly. Okay. If I'm not mistaken on this, feel free to correct me. Weekly often is for like the lowest of income jobs to make it feel like they can pay bills. Not necessarily. Um,

Maybe not necessarily, but that's how some of my intro, you know, in grade school jobs were working. Yeah. I don't know. I've worked in the professional field at a few different companies. I don't know anyone that's been paid weekly. Well, I've had one person, one person, I think on the show that was in like an actual professional career that one person out of filming four to five a week that has been paid weekly. Yeah.

Either way, whatever. That's not a valid excuse, though. Most, the vast majority are paid biweekly or semi-monthly, which is twice a month. Well, I come from the security industry. The security industry, the security companies that I was working with, two to be exact, were paying weekly. Okay, but you're trying to say that because you're being paid biweekly is why you missed your car payment. Because... Everyone else is paid biweekly. I'm paying rent as well. Everyone else is paying rent as well? Yeah, yeah, definitely.

What are you talking about? How are you trying to justify that? I'm not necessarily trying to justify it. Yeah, you are. I'm trying to explain more so of why it's late. I mean, it's late because they want it on the third day. But you're trying to make it sound like it's late because of that. And, you know, it's okay that it's late because of that. No, it's not necessarily okay. Not that it's okay, but you're trying to justify it. Yeah. Okay. Well. But it's not. The day that I was paid was after. So the day that my car note was due.

That's all I want to say. 63% are paid either bi-weekly or semi-monthly. Which can vary on which days, on particular days. Semi-monthly is first and 15th usually. Yeah, but we get paid on a bi-weekly basis. So it changes from every month. Depending on the month, it could change on those days. Depending on the month, you can actually make an extra paycheck two months a year. Correct. Okay.

But I haven't gotten to that point yet. I can't believe you're trying to say that's... You're trying to justify it. Okay. That's crazy. Stop. Okay. If anyone does basic budgeting, it doesn't matter if you're paid weekly, bi-weekly, semi-monthly. It doesn't. And then 31% are paid on a weekly basis, which is actually more than I thought. I will be honest. Yeah. But it is still a vast...

small minority. No, yeah. And I definitely agree. It's just more so coming from getting paid on a weekly basis. Even with FedEx, I was getting paid every week. So getting paid from a weekly basis and then moving over to a bi-weekly basis, I wasn't necessarily... I wasn't necessarily prepared for that. Okay, what is this other Toyota? What do I have another... Oh, wait. Sorry. No. What is Santander Consumer? Because that's huge at $23,547. What's this? So...

I did help my mom get a car. Oh, yeah. You, the person who's late on bills. Okay. Um, well, what do you mean help? What's help? What's help? What's help? Cause obviously it's in your name. Yeah. I put it in my name. Uh, she's paying for it. She has it, but,

Has she ever not given you the payment? No. Every time she's been on time? Yes. For how long? When did you do this? She just got it in July. Oh, just. Yeah. So she's done it once. Great. So far she's been. So she's made her payment one time. Twice. Yeah, she's never missed it. Twice. Okay, two times. Yeah, she's never missed it. The two times that she. Yeah.

Why couldn't she get it? Because she has previous things on her credit. Oh, then I am so confident that she's going to pay you every time. Why would you do this to yourself? I understand wanting to do it for your mom. That's a good heart. But why would you do this to yourself? Because there was no other option, I felt like. You felt like. I was going to say there is plenty of other options. Yeah. But I feel like, yeah, because feeling is not an actual, like, logical thing. So you're right. You felt like it. But obviously that's... So...

Great. What's her credit score? I believe it's at a 480. Oh, what's yours? 580. Oh, what's the interest rate of this? 17%. And my credit only went down after, of course, adding that on there as well. So it was at a 620. What is the payment on this? 500. Okay.

She's made it for, how much does she make? What's her job? She also works at FedEx. She works in admin for FedEx. And what does she make? She makes, if I'm not mistaken, at least $800 a week. Net or before taxes? 41,000 hours a year net. 600. 3,466 a month. So this is 14% of her income. It's a lot. For just the car payment. She's made it for two months.

Good for her. The moment she misses that, this is your credit. This is your credit. The moment that all the other things on her credit that are bad happen to the same thing. It's almost there's a reason why credit scores exist. Who would have thought? You're f***ed. 17% $500 payment. You have a $415 payment. You couldn't make a $200 emergency payment. You're f***ed.

At the time, I couldn't make that payment. Now, I am in a position to make that payment. Are you? Are you? You missed your car payment a month ago. Yeah. Two months ago. That's more than my previous payment, of course. You missed your payment two months ago. Making the job that you have. This payment costs more. No, what you just said was blatantly incorrect. You could not afford it. Mm-hmm.

Okay, so again, the balance on here is $23,000. Oh, so essentially what we need her to do is get funding in any way whatsoever. Any way whatsoever. And buy the car from you. Yeah. In any way, any kind of loan, anything. I don't even care. I don't want her to be in bad debt at all. But the fact is, this is her car and it's under her daughter's name, putting you at risk. And relationships can get really weird and really complicated really fast when things start going haywire on this. And it's happened on this show many a times. Agreed.

She needs to take this over immediately. It needs to get out of your name. You need to run as far as you can from this. Okay.

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So she has to get funding. Her credit's in the 400s. Yeah. What was the question? More so I was just asking, are you like saying that she needs like a personal loan or kind of solidation? Really anything. Again, I don't want her to get into bad debt. It's not that. I just need you to get out and this is her responsibility. So she essentially needs to receive funding in any way possible. That's not like a payday loan, obviously. Or like sharks, but.

But yeah. Yeah. But I took a personal loan for this and I highly doubt she would be qualified in any way for this kind of balance. She might have to go to like a, it's going to be like a 25, 26, 27,

maybe even close to 30% loan, which again, I don't want her to have, but this is not your car should not be in your name. It is her responsibility now to deal with whatever consequence, if she wants to keep this or she just needs to sell it, make up the difference and get a 10,000 hour car. Okay. Cause this is ridiculous. So she needs to do whatever it takes in personal responsibility. You need to push her to do. And again, that might also complicate the relationship, but this is a very risky situation.

I agree. In your specific mismanagement of money too terrifies me. Again, I'm glad that you have a good job. If I'm not mistaken, I think HR, not HR. I do love HR. Does Course Careers have a certification in HR now? I want to say yes. I have been looking into that just so I can kind of set myself up for success and kind of in the case that. I'm happy to gift that to you through Course Careers. Absolutely. I'm happy to do it if they have that. Yeah. They have a lot of great certification. Yeah, we'll do that for free.

Because trust me, with this debt, you don't need to be spending money. Ed Financial. Wait, do you have a degree? No. Neither do I. I borrowed student loans. I'm one of the 40% that borrow student loans but don't get a degree. It happens. How much school did you go to? I did a semester at Lamar University and then COVID happened. Wait a second. I'm sorry.

Why do my producers right now want to ask you if you've paid your taxes in these last couple of years? And I have a feeling I know the answer. I haven't filed them. You haven't even filed? You haven't made much money. You honestly may have received tax returns. But I'm kind of scared. You may have received money. Scared of what? You haven't made money. That I don't receive money.

That I won't receive money and I'll have to pay. No, no, no. You're getting money. Because the last time that I did file taxes, I owed. How much did you make that year? I'm not exactly certain. But are you on like the Affordable Care Act, a plan related to that? Are you taking advantage of any social programs? Because that can affect your tax returns. No.

I can't honestly remember right now off the top of my head, but I was on. How do you not? Okay. I don't remember. I'm sorry. Oh, then. Okay. That's fine. I'm in now. Yeah. It was a couple of years ago, but when I did go and file my tax return, I was expecting to get something back, and instead I owed $1,500. What was your job? I didn't even have a job. That's the craziest part. I was in college. It was around 2019, 2020. Okay.

What are you talking about? What income did you report then? I just, I gave them my, the documentation that the school gives you. I can't remember what it's called. It's like a 1099, not a 1099, 1098, I think. I gave them that. And even the little job, matter of fact, I did have a part-time job, but I wasn't making much.

That's income. Are you f***ing kidding me? How are you not able to answer questions? I'm sorry, but that is still an income to report. I was asking you what income did you report? That would be an income. I couldn't remember off the top of my head at that second because that was back five, six years ago. Yeah, 1098. Probably a 1098-T or a 1098-E, student loan interest statement or tuition statement. Yes. Didn't have a mortgage interest statement. So again, I mean, f***.

I'm not exactly sure what happened. That allows you to claim deductions. That would not have made you pay more in taxes. Well, they told me that I owe $1,500. No, I get that. I just...

I just started understanding the credit cards. This is no offense to you because it's okay that we don't know things. Like, I'm sure you're very smart in a lot of things, okay? I just want to make that clear. Obviously, not in personal finance. And something tells me that you probably just did not file correctly. Or you're just not telling me something. No. Because if you only worked a small little part-time job for a couple months, the fact that you had a... Unless when you filled out your W-2, did you not withhold any taxes? But still, even your work...

No, I don't believe I did. And I don't doubt that I had your withholdings at nothing. That would do it. But even still, with your income situation, your tax rate would have been so low. You must have made more than you thought if you had to pay fifteen hundred at the end of the year, especially with your student loan deduction. I don't think it was done correctly, to be honest. But then again, you were in school, so interest wasn't accruing anyway. So how much would have been deducted? Probably not much.

Okay. How much do you have in student loans in total? I don't want to add up each of these individually. No more than probably about $5,000. Because I tried to go to school multiple times trying to, you know, better myself. For what? $3,926. Does that sound right? That sounds about right. Thank goodness for being able to employ people to do math. Because I did not want to add that up. $3,926. Okay.

are you making payments on these? I'm not at the moment. Go on. Why? Um, just because. Are you in a plan? Are they deferred or are you just not paying? Um,

Well, at the time when I was about to start paying, they were talking about that's when Biden got in office and they were saying that they were going to. OK, we're going back two years ago. OK. So they were saying that's been over for a year now. Yeah. But then I got another email saying that we're looking up, you know, you can possibly get it. Basically, if it was under a certain amount, it will be forgiven.

That's what I got the call saying. Are they talking about getting you on the safe plan? They literally just called me and I still think it was a scam to this day. It probably was. Everyone gets calls like, you're student loans. Yeah. Oh no, you gotta pick up the phone. Yeah, so probably. Please don't fall for that. Please don't answer those calls. I didn't fall for it. I did tell them like, yeah, I'm interested. Studentloans.io.com

Russia.Putin. Probably. And it was just a call. So I was like, let me call you back. And I never called them back and they never called me back. So that's what makes me think that it was a scam. But other than that, I have not started. Yeah, you haven't made a single payment on student loans. Let me see. It

It's open. Your payments must be at $0 because it's counting payments. And that is likely because you may have found yourself away on some income-based repayment. And obviously your new income isn't reflected on past taxes. So there is that. And then if you were on save, that might be on deferment. If I'm not mistaken, due to some court things.

or at least on hold but it isn't counting anything missing your payment would be so small anyway your payment would probably be like 50 bucks a month it's not terrible so what did you try to go to school for um I was the first time I was trying to go for hospitality management I really wanted to get into the hotel business um

And then when that didn't work out or when COVID happened, they ended up sending everybody home. And I tried to do HCC. And I was actually going to go and try to get certified to do more so like tax preparation because I did want to know a little bit more about it and, you know, just go from there. However, that was when I tried to do it, I guess, didn't.

COVID hadn't hit there in Houston yet because I ended up going back to Houston. So I was able to enroll, able to do everything, get set up for classes. And then the day that I went to go start my first day of school, the doors were locked.

So they wanted us to go ahead and convert to online classes. However, I'll be honest, that's not the way I learned. I have to be in person, kind of be in there. And I honestly just didn't get the whole system of how they wanted us to do it. And not only that, but they never told us that until... And then what was your second attempt? You said multiple attempts? Yeah. So that was the second attempt. The first attempt was the hospitality management in Beaumont. I got a little mixed up there. Okay. Okay.

I see credit collection services, 91 bucks. Why can't we pay 91 bucks? I honestly don't have an excuse for that one. I don't know. 55 minutes and we still don't even know. I don't have an excuse for that one just because I didn't even know it was on the car. It was Geico. Oh, yeah. Why not improve our credit from the 500s to the 600s by literally paying a $91 payment? You get a flat reimbursement for being here because people travel, people take time off work. We want to make sure we reimburse people for their time.

Take some of that and just do that. That'll improve your credit by at least a few points today. Okay. Jesus. I can do that. All right. Collections number one, 91 bucks. Take care of that. All right. Collections number two. This is for a more substantial $550.

And this originally was from... Oh, an energy company. You weren't paying your energy bill? Well, basically, I was in a s*** apartment even then. A different s*** apartment? A different s*** apartment. This was in Houston. All right. You gotta stop signing leases. I know. Um...

The same situation, couldn't get any help. My AC, it was literally in the dead of winter and I would walk in my apartment and it would be 61 degrees.

So I burned some of the roaches, started a fire. I didn't have a fireplace at the time. But yeah, I originally tried to get it fixed. They kept saying, oh, yeah, it's fixed. But we would set it on one thing. And then at the time when I was working, I was working 12 hour shifts. So by the time I got home. Have you lived at a place that hasn't had maintenance issues? The one I live in now. They've been on top of it so far? So far. How long have you lived there? Three months now.

Okay, so it's one of those things where someone has an issue with every single time they've done something ever, I start to question like, all right, how much of it was really the other person's fault and not a little bit of yours? Well, that's why I left the first apartment I was here in in Wells Branch because I felt like it was kind of giving me

I was just, you know, felt like I was back in the same situation. All right. Well, it's not around terms. That apartment was actually attempting to come in and help me. Um, but eventually they found out that it was an electrical issue and it was making my, my light bill go up crazy. Sure. So I kind of got your electricity, not light electricity. Yeah, it was, it was air conditioning. Definitely bringing up my, um,

So I ended up... So I'm told you're considering a different career path. Yeah. Even though you're in a great career path, making great money, HR has a long way to go. What? Well, this particular...

And I'm in with this particular company. Yeah. Stressful. And I get that. But utilize, build the resume, strengthen this. HR isn't always a 24 hour job. You might be able to find a good nine to five somewhere. Yeah. And that's what I've been doing. As you know, the job market is pretty terrible right now. OK. Terrible is an over exaggeration. As good as it was during the...

frenzy of the pandemic? No. But trust me, if you think this is terrible, wait until you actually see a real recession. Then everyone's going to look back at this time and be like, f***.

Remember those times? Times were great. Literally doing that now. So, yeah. Well, in my position, I am because I have been looking for another position. I haven't been able to find something. What do you mean find something? What does find mean? Find another position. What does find mean? I'm applying. You're applying? How much? How often? Pretty much every day, anytime I get the chance. Okay. Are you tailoring your resume to those specific companies and cover letters? No.

I've more so just built it off just based off of my experience that I have. Okay. Okay. Well, you know, first of all, I don't know. Resume, a lot of that stuff, a lot of times it goes to like a just like word reader AI crap anyway, whether or not you get a job. So are you using resume builders or did you just build your own resume? I did use a AI resume builder. But an AI? Hmm.

Okay. So I got a pretty good score with them. I got a 93. Okay. So maybe there is some room for improvement. Are you getting calls at all? I have gotten a few calls. No offers yet.

You've been in HR for three months? No, since last October. So almost a year. Okay. A lot of people want to see two years of a specific industry role to do that. So that might less be a resume thing and more of a you just need to put another year under your belt. Which again, you'll be 24. We've all had jobs. I think for the sake of a career, one more year is not the worst thing. What are the other ventures though? I'm more so looking into...

Of course, HR positions, but I'm also looking into like there's a property tax position that I was kind of looking into. Okay. For that one, I need my real estate license, which I have been working on. Really? You're getting a real estate license? Yeah, because... For the property tax position with like the city? Yeah, basically. So it's property tax protesting. Okay.

So there are small companies that I've seen with. There's a big company, I think, called Onwell that they're pretty popular. Interesting. So you saw an open position. Have you talked to them? I have not. So we're getting a whole license just to potentially apply for a job? Well, they're not the only company in the world that does that. I know. But what interests you about that industry? Well, what actually interests me because I was actually before I got here to Austin, I

I had a temporary contact through a staffing agency with a property protest company. And after I was kind of able to get in a little bit, you know, get a little bit more information as far as what they do. I never even heard of that before. I was actually just a data entry assistant for them. So yeah,

After kind of going in and getting to talk to some of the agents that they had there, it was something that did interest me. So it is something that I'm looking into just to kind of...

build up my build myself up anything else or was it just that um that one and that one and uh like i said again just looking into uh tax preparation as well so let's like take a so let's take a look at the check-in account 80 bucks spending balance okay so you said you could pay for a 200 emergency now no okay um it's time to play my favorite game

Pull out the crayons and see if you know how to put X's next to things. Okay. It's time to play the game. What's your favorite color? Is it red? Because that's what you're using. That's fine. That's how you play the game. Mark next to things that are... Put an X next to the things that are bull... All right. Purchases going through the checking account. This legendary statement.

You can mark it next to the item as well. Okay. If that makes it easier. Yeah, I think that would probably be right. Oh, boy. All right. That's good. That's good. I just needed one page to see where your mind is at. Game show has concluded. Please. Thank you. Thank you, God. Thank God. I accidentally broke your crayon. You did not break the crayon. It was already broken. The red crayon. This is the game show crayon, though.

Okay. I don't, I'm a little confused. It says, like, we just really don't know. Zoom in on this, Brandon. It says, what are we doing? You got 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 out of 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20.

You got a what? A 55? 55 out of 100? You got a E? You failed. How? How are you justifying going inside a 7-Eleven and getting a $3 bullshit? $6 bullshit? Yeah. What are we doing? And Donald's? Donald's isn't bullshit. In what world is Donald's not bullshit? Going inside, just filling ourselves with bullshit.

How is that not bullsh- Going inside and getting bullsh- How is that not bullsh- How are getting your nails did not bullsh- Oh wait, no, you did call that one. You did call that one. Going to a restaurant, you didn't call that bullsh- Come on, what are we doing?

Well, little Caesars isn't bull. Well, when you don't have any groceries in your house, then you go to the grocery store. That's an interesting thing. Oh, what a solution. Guys, if you don't have groceries in your store, go to the store where they sell groceries. Yeah. Come on. Sometimes it's like 10, 11 o'clock at night and they're not open. But no, you're right. I definitely have been preoccupied, a little too preoccupied to go to the grocery store. What? My job. Okay. Yeah.

Come on, what do you mean? You mean literally every second of every day you are on a call or working an email. Every second of every day from 8 a.m. to 11 p.m. Every second, seven days a week. So it starts at 7.30 and my job doesn't end at the office even after 5 o'clock. I do have to go to a separate site to then conduct more business. So most of the time I work hours. When are you out?

Probably at around 8, 9 o'clock. Congratulations. The grocery store is still open. Everyone makes sacrifices. People do this all the time. You're not a unique cookie in that. And I'm sorry to tell you that. I know. It really sucks. I wish it wasn't like that. I wish it was easier. There's also curbs I pick up. It could be a little more expensive upsells. But even still, you'd save money compared to going out to eat. You're going and getting some bull.

Getting some BS. Cash happening out. McDonald's getting BS, BS, BS. Hop Daddy, Hop Daddy. Chime. Is that? That's the mobile bill, right? What's Chime? Chime is a, it's kind of like Cash App. It's just another card. All right. So Chime, bullshit. Going to a restaurant. Getting our nails did. Going in and getting some BS. Hop Daddy going in and getting some BS. Little Caesars, McDonald's going in and getting some BS. Going in and getting some BS. We're getting snacks, chips, all for every second of our life.

Going inside and potentially getting some BS plus gas maybe. I don't know. And cash apping out. StyleSeats.com going in and getting some BS. Teemu, $248. Teemu, first of all, that's enough stuff at house and Teemu stuff. Like, that's insane. First of all, Teemu, what are you doing? I got...

Also, no, Timu, I will not let you sponsor this channel. Stop asking. No, I ended up getting a bed frame from there. A Timu bed frame? Did. All right. Should we place a bed on how long until it collapses? Yeah, probably. But I more so just got it just to get my bed off the floor because ever since I've been here, my bed has been on the floor. It's going to be on the floor. Yeah. In like 30 seconds. It's been holding up so far. Especially if we keep stopping at the gas station and getting bags of chips, that's not going to help either.

Going inside, getting some BS. Going inside, getting some BS. Going inside, getting some BS. We went inside, we got some BS. We went inside, we got some BS. McDonald's. Amazon. Cash app. Afterpay. Cash app. Taco Cabana. Cash app. Going to the grill. Cash app. Chevron. Went inside, got some BS there. Sent out some cash app. $30. Steve Madden. Chime. Again, $500 on Chime.

McDonald's, Amazon, Amazon. My throat hurts and I have a lot of things to get through on this statement. Let me tell you. Style seat.com. We're back, baby. When I got some BS, when I got some BS, hop daddy, hop daddy. You love hop daddy. You're from Parmesan truffle fries down the throat. Like crazy. Cause, cause I am also again, a thick boy styles. She went and got some BS cash app, cash app, five below, uh,

Oh, f***. Winning got some BS. Amazon, this is just insane. This is just insane. Cash app and all money. Cash app and all money. Winning got some BS. Winning got some BS. Winning got some BS. Winning got some BS. McDonald's. Winning got some BS. Little Caesars. Got her eyebrows dead. Afterpay. Cash app out $35. Cash app out $65. Winning got some BS. Got her nails dead again. Winning got some BS. Winning got some BS.

Are you, like, are you the person that works there or something? You're there every second of your life. Taco Cabana, Amazon, or do you just, like, get off on, like, sniffing the fumes at a gas station? Because you're there every second of every day. Winning us in BS. Water Burger. Cash app and out. Texas Roadhouse. And I love me some rolls, but also, you're not paying bills. Water Burger. Oh, thank you. That's the end. Savings, 200 bucks. Oh, wait, there's a cash app statement as well. Mm-hmm.

I'm just, like, picturing. Just, like, this. Imagine if you just, like, just even for even just a high-yield savings account. Like...

Okay, let's say you opened up a MooMoo account. Okay. That in there, at least for like three months, you get an APY on your money of 8 point whatever percent. It's incredible. Imagine what all that spending could be doing. It could be making money. You could be making money on your money. Instead, you're just like, ah, let me just go inside gas station and get some crap.

I don't know. This cash app is weird. It's like $400, $38, $5, $25 of cash app payments. Are those to individuals? Yeah. They're blacked out, so they must be. Yeah. Ah, jeez. Oh, it takes longer and longer to get through statements these days, I swear. I don't have anything to say. I guess we just need to curse you a bunch to see where you stand because this is like, from that, I'm just, this is crazy, man.

The other large purchase is $1,300 for a f***ing cash app. What in the world? Primerica, $124, and then Chime, $525. What are we doing?

Mind you, you spent $1,600 more than you brought in. Yeah. Well, at least for the $500, I can tell you where that was. The chimes? Yeah. Okay. So that one was actually helping my mom get the car. She gave it to me in cash. They wouldn't accept the cash. So I...

I had to move it to my child card in order to... This sucks because I love my mom and I will do anything to help her. But there are certain things where... I think this one was okay. If they give you cash, you're helping with that. But with the car payment, at a certain point, you are... One, you've enabled her to get something she can't afford, probably. Two...

There is a point where helping other people is actually not the right thing to do. It's a rare case, but there are points where you're doing that and that is kind of an example of that. Okay, so $4,145.04 comes in. Bi-weekly comes in half of that. Oh no, bi-weekly. Scary. Debt payments. Let me get that debt payment. I'm losing my damn mind. And then what are you transferring to other people over $1,000? $1,200, whatever for? More so eating out.

There's more? There's $1,250 of eating out more? So you spent $1,700 eating out. Between eating out and shopping. What are you shopping for? Just clothes, different things. Yeah, if you keep eating out, I guess you need to keep buying larger and larger clothes, meaning you always have to go. But that doesn't mean that

Yeah, that's the retail therapy I was talking about earlier. Okay, no more retail therapy. Go to therapy therapy. It's cheaper. I don't know. That's why I'm here.

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the free money because i'll punch you your debt payment it's basically a rent payment on three things is 1191 i'm leaving out of there your student loans are likely 50 but they're zero right now and leaving out the 500 that your mom takes care of because you know she gives it to you she give it to you in cash no she actually just makes the payment directly herself oh i was gonna say okay because we didn't see anything come in okay what's your rent

14 altogether. 14. What's all together? What's all together? Utilities? Yes. Okay. Does that include internet? Yes. Water, electric, gas? Water, electric, gas. Wonderful. Renters insurance? Renters insurance is probably an extra $20. Cool. Gas, vroom, vroom, drive, drive. I fill up weekly and it's no more than $30. Good thing you don't do it biweekly. It'd be unmanageable. Yeah. Sorry. Long conversation.

It's always the second half of the week after so many of these conversations, I start to lose it. I feel good for the person who comes on a Monday because I'm like, oh, how you doing? Yeah. Oh, well, does that bad? Isn't it? Oh, yeah. Oh, don't do that. And by the end, I'm like pulling out a Glock. Please don't pull out the Glock. What's your car insurance? My car insurance is one hundred and thirty a month, but my mom takes care of it. So, OK, groceries, three hundred hours. Follow the meal plan in our budgeting program. You can tweak it to your needs.

$100 TP fund. This is getting your nails did. Anything else you need to survive, you can put it in there. That can even include a little bit of fun if you're able to keep your needs on a low basis. Okay. Co-pays? Medications? Doctors appointments? Therapies? Co-pays? I don't have insurance right now.

Why? Because when I first. According to your last tax date. First of all, why is your job not covering that? Because when I first got there, their insurance is pretty high. So I wasn't making enough to afford that and then afford my bills as well. So I never signed up for it. I'm sure they had another. I'm sure the lowest option. I don't know. I don't. I can't really. You're not a reliable narrator in a lot of these finances. I mean, all you can do is trust me, right?

Yeah, but I can't is the thing based on everything you've said at the beginning of the conversation. Well, I'm like, you haven't been able to describe a lot of these things accurately. Yeah. Well, the thing about it is, is like I said, when I first got here, I was making 18 with the same company. Yeah, I got you. So with your income situation on the health care exchanges or even just going through like a brokerage that would find you one. Mm hmm.

I mean, you could have found health insurance outside of it. And because the government thinks you don't make much money because of last year, that's their most updated thing, you could have honestly probably gotten like $100 a month health insurance that was halfway decent right now. And even still, what I would do is at a minimum, because you can go bankrupt through...

this medical things go out there and get literally the cheapest health insurance possible to cover you in the case of a deep emergency yeah at a minimum basis at least go to that i'm putting 200 i'm putting 200 a month in here okay well as of right now i have found some resources also what about your mom does she have health insurance i can't speak to that i don't you can be on it until 26 i don't think she does i don't know what's your dad not a picture okay

Okay, what were you going to say? Oh, I was just saying that I did find a place here that put me in touch with different resources that were free. No, you still need insurance, though, for big emergencies. You can't use these resources. I'm putting $200 there. Okay. And that's going to be cheaper than next year. But again, just based on what your tax returns say, you might be able to qualify for some things. Hang up and mute that phone. Put it on do not disturb. Naughty, naughty.

Subscriptions? Nope. Do you have any pets? I do. What? A dog. I don't know exactly what breed she is. I would still pet her. It's okay. Pet insurance. Pet insurance? No, not yet. Okay. I'm putting in there $25 a month. Okay. Get pet insurance. That'll also save you money because you're not going to let it die if it chokes. No. Pet food? Probably...

at the most 30 bucks and it lasts me yeah but no not maybe about a month and a half it's a pretty good bag i'm putting 30 she's small yeah phone bill 176 is your phone bill yes do you have like an apple watch an ipad financed what are you doing 176 um it's just really more more five iphones no just my phone and my service and then with who t-mobile

I have T-Mobile. What are you talking about? Yeah. It's my phone, that, and then I also had prepaid internet with them, but I recently got rid of that because I didn't know that my apartment's actually- When you pay off your phone, switch to Helium for 20 bucks a month. It's the same time as T-Mobile's. Okay. Okay? But you have your phone finance, so I'm going to put in there. What is it? $175? $175. You need to fix that. Honestly, it might be worth paying off early so that you can switch to a cheaper thing. Mm-hmm. I think-

Anything else I need to put in your budget? No.

While I'm doing this, Math, what do you think of the financial audit experience so far? So far, I have enjoyed it. I feel like that's why I came here because I kind of need somebody to call me out on some of that stuff. You know, some people watching this video right now that like to complain think you're a victim for being on here. Are you a victim? No, I don't feel as though I'm a victim. You're a victim because there's a man making noise across the table from you slightly louder than inside voice. No.

Okay. Well, you need $3,561.50 a month to live. Good news. You make $4,145.04. So we should be making much more progress. But again, we know you spend, now we know, thousands of dollars on fun a month. Yeah. A lot through Cash App. But.

Are you willing to stop that? Because if you're retail therapy, going out to eat. No, yeah, I'm definitely willing to stop that. So what's different today than previously? How are you going to stop that if you've literally been spending $1,500, $2,000 a month on food? Well, at the time when I was spending it, of course, I felt like, yeah, I don't need, I know I shouldn't have been doing it, but I was doing it just because I could. I felt that I could, but evidently going through the numbers, I cannot.

All right, 583. I would immediately kill that one collection just to raise your score a bit, that $91, put the rest for its savings. Cool, 500 bucks in savings, essentially. And then next month, I would do that again. Honestly, this next quarter, I would do that.

And honestly, I just I can't have you in a scary situation again. So honestly, through the end of the year, I'm doing minimum payments on the debts. OK. Yeah. Actually, even that $91 collections, I'm leaving it there. OK. Set up that 583, 583 through December. So through the end of this month. Oh, we're not in September yet, are we? No, still not. Four more months. I know how months work.

And that gets you $2,332 by the end of the year. Still doesn't even cover a full month, but at least we have that as a starter. And then first month next year. I'd really like to, by the end of this year, see about getting out of that car lease and hopefully have a cash bar. So you said they would only put in roll...

So I'm a little confused. What did they tell you they would do with the lease? They told me that if I give it back that day, that they would only give me $32,000 towards it. $32,000 towards the remaining balance of the lease? Yes. And I would still owe $8,000. Oh. Yeah. Yeah.

So that's why I hadn't given it back. But like I said, I want to really, I really, you know, it'd be, but I would talk with them if they're, if they have a 10,000 hour use car that you can get certified by a mechanic that are less your years for safety.

and reliability if you can get a 10 000 hours roll that and i hate this but it might be what you have to do in your situation roll that negative eight thousand dollars over an equity since it's with the same dealership they might let you do that oh eighteen thousand dollars on that car yeah and again it's gonna be at a rate probably but probably ranging 15 20 maybe um payment's not gonna be that much better though it's gonna be easier to pay off because the the thing is is the lease it's still not mine

Still not yours. And what you'd have to do at the end is get another lease, but it's a lot less controlled. Well, but the thing is, even if you could move over to finance, uh,

This car? No, no, not this one. If I were to go ahead and trade it in and get... Well, that's what I'm talking about anyway. What do you mean another lease? No, so what I'm... I'm just... I'm sorry. I'm just trying to math it out. So your payment's not going to be that much better. Yeah, but if it's... Unless you get like a 72-month loan. Like I'm not going to get you anything larger than three years. So it's just...

Because if you pay off this lease, then instead of re-upping, just call it good and even get a cheaper lease for a bit while you're taking care of the rest of this debt. It's a sh**ty option, but mathematically in terms of a minimum repayment option might not be the worst. It's complicated. Yeah. So my original plan was to...

Keep it until the end of the year. Try to save up as much money as possible while still making a minimum. You're only able to save up $2,300, though. Well, if I cut out some of my spending and also... That was with cutting your spending to zero, except for your needs. Okay, well... Have you been here the last 10 minutes? Yeah, no, I was here. I just maybe misunderstood. But I was just really trying to see if I can get a cash card so that way I can just...

get out of it. No, because I'm not going to get you a $2,000 car because unless you get a really unique situation that's impossible to find. Oddly enough, one of my employees did find a weird $1,000 car situation and it's like in good condition, but it was just a weird thing. Someone looking to get rid of a car, but whatever. Either way, you're not going to find a reliable car for that much in cash. So, it's like that's just going to put you in a worse situation in the long run with all the repairs and then you need to get another car. Well,

What I would personally do is I would probably take that trade-in option, roll the negative equity over, and get the cheapest reliable used car as you can. I'm saying $10,000, but see if you can get something closer to $7,000 or $8,000. I'm still doing only like a three-year, four-year loan because you're probably going to want to stretch it out to like eight years to lower the minimum payment, but it's not worth it because we're just going to pay it off early anyway. Mm-hmm.

I just don't want to give you the ability to stretch it out over eight years because you could take the longer one with the lower minimum payments and then eventually pay off it quicker. But I don't want you to have the excuse to be able to stretch it out that long. So I'm probably doing that. Synchrony card. No. The apartment, hopefully that's negotiated down. Synchrony card, that's the first you're tackling. Still going to take seven months. Six to seven months to pay off. So it's going to be halfway through next year. The Navy Federal...

This is crazy that I'm even suggesting this because, I mean, I do have the moral responsibility of pay back the debt that you borrowed. But it's so substantial and it's going to take so long to pay off. Oh, sorry. You make $583,000. No, no, you'll pay off the synchrony card in four months. You have an extra $583,000. So, okay, four months. But even still, the $17,000 alone kind of takes multiple years to pay off. You can do that.

Part of me, and I'm not suggesting to do this because I don't know. I want to think on it a little longer. Part of me is allowing it to go to collections and then trying to negotiate with them to only pay half of it because it's so substantial. But you could pay it off in a couple years. With that extra $120 a month that you're rolling over from Synchrony, you should be able to tackle it in maybe a little under two years. And then you have that new car to take care of.

With the rolling over, that's going to take another two years. You could be out of this if you don't finagle at all and you just stick to the minimum monthly payments and you do that car thing we talked about. You could get out of this in four years. And then a fully funded emergency fund and everything. Let's call it five years total. You could do that. Now, you know, obviously incomes increase over time. So we roll that in. And you'll have, and once you pay off the Navy Federal, you'll have an extra $415,000 to throw towards the car on a monthly basis. So actually, I think this in total could be four and a half years with the fully funded emergency fund at the end.

You have a long journey. The thing is, you don't have a lot of different debts and then you're taking care of the collections as well. But then you don't have a lot of different debts, but you have a risky situation with your mom's car. Student loans are a little unknown. And then the debts you do have are very high debts. Yeah. I would grind it out. You can potentially consider a collections and negotiation. I don't know. I would personally grind it out on my own end. That's how I would do it. That's kind of how I would.

There's even debt payoff services. Makes sense. Yeah, because I honestly like to keep my Navy Federal account and everything because I did talk to a...

Debt consolidation or the JG Wentworth people and all that stuff, you know, but I don't trust them. I don't I can't really trust anybody right now, to be honest with you. So I've talked to them and everything, but I just don't want to necessarily close or put a stain on my Navy Federal. Why do you care about Navy Federal? Just because they have some decent benefits and I was able to get a lot of opportunity with them.

As far as, you know, even just getting that credit card. No, it wasn't necessarily smart. But at the time, I did need it when I first got it. And then it just started building from there. Honestly, I'd rather have you look at the Relief app. Let me send that to you. It's a better debt payoff type of app.

system okay again it's meant for more extreme cases when i typically use a resource like that oh is this not an extreme case this is and that's why i'm considering look at them okay so that's what i would do okay well so yeah look at the relief app potentially and we'll send you the information on that we'll probably put them in our resource section as well okay okay spending in a budget you're overspending zero out of ten collections and debt so zero out of ten emergency fund

You had 200 saved. 500. 500. I'll be generous if you want to return me. You have nothing. That scares me, by the way. Zero to 10 real estate. Nothing. Zero to 10. And our financial score, we only round up.

Unless I hate someone and I don't hate you. You're a very pleasant person. 0.5 out of 10. Make sure to check out all the resources linked in the description below. Is there one I use or would use in specific situations? Now join us for the post show. We're going to talk about a little extra drama and more things about the episode and bring in our producers who have some more knowledge about you and the craziness of your life and your situation. So click join below and join us for that.

Thank you. Today on the Financial Audit Post Show. I'm just looking to hook up. And I was very clear that I'm just looking to hook up. She's like, come pick me up. And we're just going to hook up. You know, that's fine. You know, just being very clear with intentions. You're respectful. She opened the door and then she was like,

you know what? I'm going to let my TikTok audience know about you. And then she left open my car door and then she walked away. Luckily, I can push it with a button. I closed it. So I kind of just like looked at her, pushed a button and it closed. Sounds like she had an agenda. To watch the financial audit post show, click the join button below.