Pampered Princess Thinks Poverty Is Easy | Financial Audit
01:15:45 Share

Four years. That's how long it took Democrats to ruin our economy and plunge our southern border into anarchy. Who helped them hurt us? Ruben Gallego. Washington could have cut taxes for Arizona families, but Ruben blocked the bill. And his fellow Democrats gave a bigger break to the millionaire class in California and New York. They played favorites and cost us billions. And Ruben wasn't done yet.

We'll be right back.

Carrie and the Republicans will secure the border, support our families, and never turn their backs on us. Carrie Lake for Senate. I'm Carrie Lake, candidate for U.S. Senate, and I approve this message. Paid for by Carrie Lake for Senate and the NRSC.

Carl's Jr.'s Big Carl fans know nothing beats the layers and layers of flavor of a Big Carl. Nothing beats that charbroiled beef, American cheese, and tangy Carl's plastic sauce. Nothing. Except getting a second Big Carl for just $1. Big Carl just one-upped itself for just $1. Then buy one Big Carl, get one for a buck deal. Only at Carl's Jr. Get burger! Get burger. Available for a limited time at participating restaurants. Tax not included. Price may vary. Not valid with any other offer, discount, or combo.

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I enjoy being fun-employed. What did you call it? It's like unemployed, but fun-employed. Being a lazy f***ing moocher of your parents. I'm a girl, like, that stuff shouldn't matter. I've been through so much to get to the point where I'm like... Oh, let's hear about it! I was literally raised in this neighborhood where everybody was wealthy. Everybody had, like, daddy's money. I did not have a private jet growing up. Oh, I grew up in a house with money. Woo!

You've grew up in privilege beyond privilege. It's only the people who speak like you that grow up in a world where you've never had to do a single thing in your life. Hi, my name is Grace. I am 24 years old. I live in Austin, Texas, and this is Financial Audit.

This is going to be an interesting situation. We haven't seen someone in a situation like... It's a unique. A unique. A lot of dependence happening here. It's going to be very curious to dive through and I'm excited. It's a different story than normal. So what do you... 24 years old. Yeah. Here, same town. House and taxes due for a living. I... That pause...

Why was there a pause? I always dislike this question. I just... You dislike the what do you do for a living question? It's just so like... Like, I'll be on dates and stuff like that. And they'll be like, what do you do for a living? Like... Well, they're looking for a partner unless they're looking just for a quick bang. But like, I'm a girl. Like, that stuff shouldn't matter. Yeah.

What should matter? Well, I mean, like, I'm the prize. And, like, the guy is the one where you should really care about, like, their, like, living situation. You want to be a trad wife? Yeah. Okay. I guess so. I guess if it means that, yeah, I guess so. Oh, is that what you want to be? You want to not work? You want to stay at home? Honestly. Do you want to work? I don't even know. I'm, like, still figuring that out right now. You hate that question, though? Yeah. Because it shows what kind of person you are. No.

Because I have no clue what I want to do with my life. That's the thing. Why don't you say that? You can say that. Yeah, I guess that's true. But yeah, I want to find something that I'm actually passionate about doing. Not just like something boring like tech or finance. But they're saying, what are you doing for a living? So I'm still figuring things out right now. And I'm probably going to get another job either in retail or in the service industry while I apply to an internship program that I've been looking at.

And, but at the same time, I would like to take more control of my finances. Since right now, I feel like my finances aren't really my finances. They're, for the longest time, I feel like my parents have been giving me too much cushion. Too much cushion? Yeah. Oh, why don't you call them? Hey, no more cushion, please. Since I don't, since I'm currently unemployed, technically. Sure.

Yeah, technically. That's the answer? What is technically? No, I mean, I just finished an internship and I'm still kind of figuring out what I want to do right now. I'll probably end up doing like another like temp or internship job just because I'm trying to like get some experience, you know? Okay, you're 24. What have you been doing since 18? Honestly,

I'm a late bloomer. I have autism. So, but I need to stop making excuses. I need to stop using the autism as a crutch. Yeah, because a lot of people with autism make a living and live life. Yeah. Yeah, no, for real. Yeah, no, I need to stop using that as like a crutch and like actually take control of my finances. Trust me, autism flows through this office like a hurricane. So...

Yeah. Would that all work? Yeah. No, I need to like get my ish together and start. Ish? Yeah. Is that shit? Oh, okay. Yeah. What was the internship? What was the internship? Okay. So I was working at a tech company doing program management. Okay. Well, that's what you just ranted about being against, but okay. I'm not necessarily against it. Like, I mean, I love my boss and I loved everybody I worked with. I love the company.

It's just like they didn't love you enough to hire you for a full time job after the internship. Sounds like it's just a hard conversation, you know, because I've just been really like struggling and what I want to do. And what you want to do. Yeah. And at the same time, though, I do. They refuse to let you pay your own bills. They want me to pay my own bills. And we even have arguments about it. OK, so it doesn't sound like you're trying to convince them that they're giving you too much fluff.

Yeah, no, they already know that they're giving me too much. Yeah, it sounds like... Yeah, no, I definitely need to start paying my own bills, my own car payments. Why aren't you? You're 24. When did you finish college with a psychology degree? I finished college actually last year. Okay, okay. Yeah, and I was held back, so... No, that's fine. So a year. How long were you in this internship? I was in the internship from about...

from March to August and I really enjoyed it and yeah again I would like to say like I had like the most amazing boss ever um she was such a great mentor to me but I just ultimately decided that it wasn't for me you decided well it was are you applying to jobs right now I have been yes I have been applying to jobs but then at the same time it's kind of done at the same time

I've been enjoying, I have to admit, I enjoy being fun employed. I like getting up and going on runs. What did you call it? Fun employed. I call it fun employed because I get to just do whatever I want to do. Like I wish that running, singing. That's the word employed isn't a part of that though. You're not ployed to anything. It's not like, it's like unemployed, but fun employed. Yeah. Being a lazy mooch of your parents.

That's what I would call it. Well, I mean, I know some friends and stuff that just like film videos of themselves just like casually doing stuff and like... Yes. So like... How do they pay for it? With a job they have? Well, it's not really like a job if you're just like streaming yourself doing stuff. Well, they're getting paid for that. And people get paid them to do it. Yeah. You're not getting paid for that. Yeah. No, I'm not. So I don't give a f***. I'm getting paid for this, but I worked a full-time job until I could pay myself for

with this you don't just not work live off of mommy and daddy acquire no skills or independence and just be a lazy f**k your entire life and hope that people follow you because you're young and pretty with blonde hair like yeah that's not how life works for some yeah there might be some lucky things maybe you'll get lucky and say hawk two and then all of a sudden no that's what

There's been so many instances where like I'm on 6th Street and I'm hoping to get in one of those like street interviews so I can like go viral. There's like 50,000 street interviewers on any given night. She just got lucky. You're basing your entire life off of Hawk 2? Not exactly. I just want to get viral doing something. And so I can like start selling merch and start making it into my brand and actually use it to funnel into my other businesses. Merch? How much do you be based on?

No, unemployed who moochers off of parents. Buy my shirt. That's more catchy than Hawk, too. Yeah. No, my poor parents, though. Like, I apologize. Poor out of all the mooching you're doing. Yes. Yeah. Yeah. What is your financial situation, please? We're about to go through some documents, but what is this?

Well, I mean, I, my internship, the last internship I had was a paid internship. So I, I pay my utility bills. I pay, um, I pay for not for like some of my food. I pay for some of my nights out. Um, I, what you just pay your, you don't pay your rent. Um, you pay just your utilities. You were bragging about just paying your utilities. Yeah.

Well, yeah, that's part of the reason why I came on the show. Yeah. That's why everyone comes on the show. Oh, God. Yeah. I live. I just got to admit, I live in downtown Austin. I don't pay rent. I'm like one of those like spoiled rich kids that doesn't pay rent. What do your parents do for a living? I love my parents so, so much. It's a great answer. What do they do for a living? They were both lawyers. Were? They're retired? My dad's retired. Yes. Okay. Mom's dead? No, she's still alive. Oh, okay. Okay.

But yeah, they're both like... Do you get like an allowance or how does this work? Well, I mean, where I'm staying is technically like... No offense. Their place. We talked about dating. What do you put on your Hinge profile for a job? Like when people ask you, I see why you were triggered at the beginning in terms of what do you do for a living? The easiest first question I could ever ask on this entire show. And I see why you were triggered. Because you're just a spoiled brat.

So, like, every time you go on a date and we're talking about how they're actually making progress in life and being productive members of society, they want to see what you're like. And you're like, I mooch off of my retired parents because I want to get TikTok famous. Also, you're not going to get TikTok famous from this show. So I hope you're not thinking that. Yeah. They won't be able to find you. Your name's fake. Yeah. And I'm bleeping that. No, I know. I know. But, yeah, anyway.

Yeah, that's why I'm trying. I'm a recovered spoiled. I'm a recovering spoiled brat. Not recovering. You're still being a spoiled brat. It's like saying I'm a recovering alcoholic after downing like 50 cans of beer that day. What are you talking about? You're not. You don't have a job. What is a plane dog?

- I've been through so much to get to the point where I'm saying- - Oh, let's hear about it. Oh, let's hear. What have you been through? What has Corwittle you been through? - Well, I grew up with a disability, but like- - What? - At the same time- - What? - It was autism, but it was really bad. It was really hard. And I was like bullied all throughout growing up. I was like held back. All my developmental, I'm reaching my developmental milestones now. - Okay.

It wasn't until, like, college and stuff where I started to get my first, like, my first kiss, all that stuff. Like, normal people, like, go through that in high school. I went through that college in my 20s. I didn't have a single sip of alcohol until I was, like, 22. Well, that's fine. I don't... What is that? The alcohol and the kiss matter. But, like, I guess if you were bullied, I get that. That's sad. Yeah, I was literally called, like, Miss Piggy in middle school for being overweight. So...

Take that middle school bullies. Take what? They can't take anything away from me because I don't have a job. But yeah. Okay. Oh, yeah. That's mean. I have nothing to lose. Usually when people say I've been through so much, there's like a lot of a lot of really bad thing. I'm not saying that being called Miss Piggy isn't bad. That's really mean.

Oh, people get teased all the time. I was really thinking when you're saying all this is this because I've been through a lot. That's like a death and abuse. There's just I'm not. I don't want to downplay some stuff. Like I can't talk about it on the show. Then why the are you on the show?

Just to get a handle on some of my bad spending habits, honestly. And just to get some tough love like I am right now. Yeah, honestly, you're not going to get in control of any of your spending habits until it's your own money. You have no respect for money. Why would you? You just get it all from your parents. You have no respect for your money. Pardon me? What is the balance on this credit card? Because I don't have it. Because we asked for a statement 15 times and you somehow couldn't pull one.

Yeah, blow it me some more. I love air on my face. I'm so sorry. Well, I mean, technically, it's not my credit card. It's like my joint credit card of like my mom. The only thing that I'm as hard of is my debit card. It's a companion card. Okay. So why is she on this with you, though? Because she's trying to help me build good credit. What is that? She just knows if I have my own credit card that I would be in like massive amounts of debt. I'm not going to make it through this one.

Do you remember the question that I asked by chance? Why couldn't you guys receive my... Oh my gosh. No, I asked you what the balance was on this credit card. I'm not sure what the balance is. Okay. Do you have the app? Yes. Okay.

Turn on your phone. Go get it if you need to. Okay. I need to know the balance. We're trying to get your finances in order, and you literally don't have a balance of one of the few documents that you have. What in the world would you think I can do with that? When we asked you to pull a statement 10 hundred times, and you couldn't pull it once. A statement. The easiest thing in the world to get. Oh my gosh. F*** me.

I do have a credit score though. Oh, you have a credit score. Yeah, it's a pretty good. I'm so excited. If someone relies on your income, you've got to think ahead. What would happen if something happened to you tomorrow and you couldn't provide for your loved ones? That's why I'm happy to tell you about the sponsor of today's episode, Fabric by Gerber Life. Fabric offers term life insurance that's fast, easy, and affordable. You could have

in just 10 minutes right from your couch. And you can even be approved instantly without a health exam. Even if you've got life insurance through work, it may not be enough. Plus that coverage often doesn't follow you if you switch jobs. And when people depend on your income, that could be a problem. Fabric has flexible policies that fit your budget like

up to a million dollars in coverage for less than a dollar a day. And let's be honest, you're probably already spending a dollar a day on things you definitely don't need. So you can feel confident that taking this step today is a step toward providing for your family later. Another reason to be confident, Fabric has partnered with Gerber Life and is backed by Western Southern Life Assurance Company. Names trusted for

Thank you for watching.

and plan for your family's financial future. And you can manage it all right from your phone. So don't wait. Protect the ones that depend on you and secure their financial future today. Head to meetfabric.com slash Caleb to apply. That's M-E-E-T fabric.com slash Caleb. Thank you to Fabric for sponsoring today's episode. Now let's jump back into the video. All right, wait for it. Guys, I have arms and legs. Sorry, it's just loading. But yeah, honestly, like, I just want to be like a stay-at-home Pilates wife.

Like, I'm not going to lie. Like, this... Jobs and me, like, do not get along. I'm right here. Yeah. Oh, sorry. I'm just like... Sorry, I'm just like... Dude's been trying to film too many TikToks. You don't know where to look? I'm here. Okay, yeah, I know, I know. It's a person. We're having a conversation. Yeah, okay. Where's the... Oh, good f***ing... Okay...

Guys, if you want to be on the show, I'm not even going to try to figure out your Hammer Financial Score. Get your Hammer Financial Score for free. Link in the description. If you want to apply to be on the show, and please know how to pull statements if you do, go to calebhammer.com slash apply. Joint credit card.

See, someone like you, I would want to have like, I recommend it to everyone on the show. I want you to have like a charge card instead of a joint card with your mom. Yeah, I know. I really should. I want you to only be able to spend on a joint on a on a card like the Fizz card where you're putting your earned money on it. Then you can only spend. We all have plans in life, maybe to take a cross-country road trip or simply get through this workout without any back pain.

Whether our plans are big, small, spontaneous, or years in the making, good health helps us accomplish them. At Banner Health, we're here to provide more than health care. Whatever you're planning, wherever you're going, we're here to help you get there. Banner Health. Exhale. What you have on it, and that benefits your credit score. I just, I don't trust you. You did graduate, right? Yes, I did. Yeah, surprisingly. I don't know.

I don't know. You talk down about yourself in terms of like your abilities to do things. And I really think you're more in your own head. I get it that you have, you know, autism flown through the veins and that's fine. Yeah. But a lot of people have that. And there's a lot of productive among productive members of society. I don't want you to just count yourself out and force yourself. Would you be able to hand? Would you be so bored being at home all day? Why don't you?

Well, I mean, I would run. I would go to Pilates class. I would hang out with my kids if I had any. Okay. I would... No, this is what I would do. I would get up every morning. I would go for a run. Then I would get Juiceland or Sun Life Organics.

And then I would go take my kids to school. And then... You sound like a wife I'd divorce after five minutes. And then after that, I'd pick them up from school. And then I'd make some delicious dinner for my family. What can you make? Okay, just get the statement. Pull up the credit card. No, wait. So...

It's a statement like the previous activity. Literally just pull up the app of the credit card. I did. I will look. Oh, my. I'm going to die. I'm going to screen record this. Oh, help. Oh, God. And we can blur everything. Yeah. That is bad. Okay. Oh, no.

Literally, you couldn't pull a statement when one of the first thing here on the entire... The first thing here is statements and activities that you could have clicked on. Are you kidding me? I don't know. I'm like not the best with technology. It's not even technology. It's just there. It's literally you open the app. Okay. So... Okay. So DoorDash was reimbursed. Probably a perk of the card. The DoorDash subscription. What was paid towards the card? I don't know.

payment activity. Let's find out. You haven't made any recent payments. What is this card? I thought it's meant to benefit your credit score, you say? Yeah, but like I only make like some of the payments. I've only made like a few. But your mom is literally on this card? So you're hurting her credit by missing payments.

Stop blowing at me, please. I'm so sorry. I just like, I'm just sighing and it's a bad habit. But yeah, I love my parents. This is a sigh. And I feel so bad for them. You're like, blow. And like, that's part of the reason why I came on the show was like, they just like, they've done, they've like sacrificed so much for like me and my sister to have a good life. I'm sure they have, but I think they're enabling the fuck out of you. Look at you. Don't blow. I'm not going to blow. I'm not going to blow. Next time you blow at me. Oh God. Not, not the squirter. I,

That would be for you. Yeah, but I don't know. Put that on your Hinge profile. Yeah, I'm sure that would get a lot of hits. Hotel in London? Yeah, I went to London to go visit my sister there. She studied abroad. I don't even know what to do here, guys. This is a weird financial audit. I'm sure it's entertaining, but this is so...

When was the last time? When was the last time? Okay, cool. Congratulations. That's awesome. So if your friends are in a position, that means it's okay for you to be. And what world is that? Okay. How does that make sense? That's why I'm here though, because I don't know.

Hey, everyone's here. Stop saying that. I don't want to be just another one of those like Westlake daddy's money people. So what have you done to fix that? Well, for starters, I mean, I did. I don't know. I know a lot of people. This is kind of average and a lot of people aren't proud of themselves for this. But I went to college. I graduated college, which was a big deal because growing up, I... Did they pay for college? Yes. Okay. So again, I mean, you just went to college. You did that. Congratulations. That's great. Face ID. Face ID.

That's cool. But what have you done to separate yourself from the Westlake daddy's money girly? So I assume basically every Westlake daddy money's girly probably at least goes to college. I need to write down the balance. Oh, no, I'm so sorry. Oh, it's okay. What have you actually done in behavior and behavior? Well, I took initiative and I did find an on-campus job in college. And for the longest time I was against that. I was just like, I was all about how,

Well, I don't know. I just really loved my extracurriculars. I was in cross country and track and I was also in a sorority. You are so spoiled. Yeah. This is, I can, those, these are crazy statements. That's I love so much. I love so much. That doesn't mean that I just get to do them instead of reality. Sorry. Go ahead. I know. I'm literally so delusional. Like I, I want to live in this dreamland and I'm going to keep doing

Part of me wants to keep lit. Part of me does want to keep this up because someday I feel like I am going to be successful enough to live this kind of lifestyle. But at the same time, if I do end up like moving on with this, especially now that I am fun employed, I'm probably. That's not a word. That is not reality. Never say that again.

A lot of my, like, scamfluencer friends are unemployed. What? I call them scamfluencers. Okay, you say a lot of fake words. Why don't we, can you speak English so we can, like, get through this, please? Okay, yes. Okay, so I have some, I have some friends that are, like, content creators and stuff. I have some friends that are, like, online coaches. But then I know a few people who are online coaches. Online coaches? What are they coaching? How to be a dumbass?

No, well, like they I have a few friends that make like bank from like online fitness coaching, like life coaching and dating coaching. There are people out there who are like, you don't coach. Do you please? Please tell me you don't coach.

I do. I'm NASA. I'm getting my NASA certification. What is that? What is that? What is that? What is that? It's National Academy of Sports Medicine. And so that I can like train people and like give people like kind of fitness programs, nutrition programs, running programs is something I'm really passionate about because I was a college athlete. Where? But university. I was D3.

Yeah, so, but, yeah, that's running. It's like my, it's sad. It's like running and music are like things that I want to be my main things, but I'm really mediocre at both. And so, yeah, I have to get a good, well, I mean, I'm good at nutrition and like stuff like that. Like I'm good at like, I like making plans for like normal people, but like I'm saying athletic wise, like I can't really make it to the Olympics. Why don't you be a nutritionist throughout college?

I should have done that. I should have done that. In hindsight, I should have done that. Okay, so on this card is $4,908.14 with a $575.68 minimum monthly payment. But I see no payment history. So what's happening? Like interest is probably agreeing on this. There's probably penalties. Again, you didn't pull anything for us. If you really want to know the truth, my parents have been paying. I don't see payments.

on there i searched recent payments and there was no it said no payments do you even know anything about your card and no the balance is only going up so if they are making payments they're only doing minimum monthly and i didn't even see that so they're not paying it off and it's likely accruing interest probably at 30 my mom's gonna probably like go on there and like log on there one day and be like oh my gosh wait she doesn't know what is that how would you answer

Well, like some of those payments. Oh, I'm so irritated. I'm sorry if I'm being mean. Oh, this is what you're. Oh, yeah. It's just like me and my sister. Like whenever we go on trips, we're just kind of like girl. Oh, you both are spoiled brats. Not my sister.

Oh, my sister. I can tell. My sister is one of the most hardworking people, but like, I'm a spoiled brat. I'm a spoiled brat. My family is wonderful, but yeah, they have a right to be mad at me right now. Are they? They are. Yeah. We've been in a lot of like arguments recently. Here we go. Over what? Over finances. Okay. What? Tell me.

Well, they're just like really upset that I blew my chance with my internship. And like, they really were hoping. Blew your chance. Wait, you said you did it though. I did do the internship, but they were hoping that I would get a job out of it. Yeah. I would get a job offer out of it. I don't see you. Would you be able to hold down a job? A full-time job? Would you be able to legitimately? I feel like you would think you're just like entitled for a lot or something.

Like, let's be honest. And I'm just, I'm basing that off this conversation so far. I know there's more to learn about you than that, but. I just need to get some kind of reality check and like really like pedal to the metal. Cause I was able to do school. I was able to like, I used to be kind of a type A person growing up, but I just got so burnt out. And now I'm just kind of like. Burnt out? Your life has been the easiest life ever. It hasn't been that easy. You gotta give me some kind of example then. If you want, if there's context, I need context.

Well, I mean, I did grow up with a disability, but then I also like had like a, I, I'm not sure if I should keep this in the show or not, but I, I was a true crime victim. What, what happened? And then I had to go to like therapy for it. What happened?

This

What is true crime? Because that's like a podcast. I did not mean to say it. Oh, my gosh. Did I say true crime victim? I mean, yeah, I'm a crime victim. Oh, just what kind of crime? You don't have to tell me what happened, but in what sector of crime? Sexual assault. That's bad. Yeah. Not a good one. I'm really sorry that happened. Yeah, it's okay. That is...

Yeah, it is, but it shouldn't have been. I shouldn't have kept it. Honestly, I shouldn't have. I've been using that as an excuse as well. Why I'm not moving forward in my life. Well, no. Compared to a lot of the other things you're saying, that could actually be a thing where there could be a lot of deep-seated trauma that makes you afraid to get in situations that may have been similar to that situation, interacting with certain people. It could put you on big defense throughout the rest of your life for a while, and that takes a lot of work to get over.

That's very valid. That is a very valid feeling. We shouldn't dismiss that feeling. Really? Yeah. Well, yeah. Trust me, I'm not going to enable bad behavior, but it is okay to say that we might have trauma from something like that and then go and get that work done. That's okay. Again, we're not going to excuse things and, you know,

No, exactly. Yeah. No, I need to stop making excuses for my trauma. Sometimes I'm just like one of those people too, who just like randomly bring up like traumatic things that happen to me. Like as if it's not a big deal. Like that's like something that I'm always just like, oh, it's not a big deal. But like deep down, it kind of is a big deal. And it has been. How long ago was this? It was like two years ago, but they keep drawing it out. They keep drawing it out? APD does. Oh.

Gotta love the good old police department and criminal justice system. I'm glad you actually reported it. Yeah. No, like, I almost didn't. Yeah. I'm glad you didn't. But, yeah. So, you've been in therapy then, working on that? Yeah. And I've just, like, I've just been, like, but, like, my God.

because of certain things that have happened, I have been like in this mentality of like, oh, you've been through it. Like treat yourself, that kind of thing. But like, I need to stop treating myself. I'm not an animal. I'm not like a pet. Like I don't need to be giving myself like treats. Well, you're okay. Your treats are flower child, Uber Eats, Uber Eats, Mono Market, Juiceland, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Uber Eats, Taco Cabana, Cafe Java. Mind you, this is someone who's bringing in zero dollars. Apple bill, codependent,

which is, isn't that like a coffee shop? Yeah, it is. AMC, at least go to a real movie theater. Apple Bill, Apple Bill, and purchases or subscriptions. DoorDash, DoorDash, Uber Eats, Uber Eats, Uber. Dude, you live in the heart of downtown and you're Uber Eating up to the sky rise? Come on. European Wax Center. I know you're going on a date this weekend, so I get it. Tricon Coffee, Westwoods Liquor, Bread & Company, More Coffee, Panera Bread, Starbucks Store, Apple Bill,

turnips cider house some other restaurant nanny fannies and king arms and campus stores and asian and tavern and tavern and uh apple bill or subscription or something that was in london oxford brass that makes sense mood in the chemist cafe nero quote bar apple bill apple bill these are big in-app purchases are

What? Sorry, just like reading it back. Like, I just feel like I'm such an idiot. Flower child, Uber Eats, Uber Eats. Okay, that's a lot of money to spend that you literally do not have. And there is more spending in your checking accounts. Oh, yeah. 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. Oh. Oh.

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 gonna have this go live tomorrow at 10:00 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 gonna see it. Okay.

And then, but yeah, it goes back to my point though that like I shouldn't be like rewarding myself with like, well, yeah, no, it's just really bad. Like I'm always just wanting my like sweet treat or something. But like one, that isn't going to get me healthy. And two, like it costs money and I shouldn't be doing that. You don't have money in your dude pants.

What? I don't know. It's just, I just like whenever I get nervous, I like laugh sometimes. Do your parents know that you're spending this much on this crap? They kind of have some kind of idea. I mean, my, my dad would, I really hope he doesn't watch this because he's going to freak out. I hope he does. I think we should call him because you are literally, the trauma is the trauma. That's true. But this kind of spending, that's not, that isn't, we don't necessarily, man, it's, it's difficult. Yeah.

Yeah, it's unacceptable. It is unacceptable. It's money you don't have. You're relying on them. So it's absolutely insane. How much do you think you spent last month in total? Obviously, income was nothing because congratulations, you don't have money. Actually, you did get your last payroll check, but now that's nothing. What do you think you spent? Maybe like a thousand bucks. $7,549. $7,549.

What? A thousand bucks? You went to f***ing Europe and you're telling me you think you only spend a thousand dollars when we already saw a hotel that was basically that much. Are you kidding me? Oh, you're not going to survive. You're not going to f***ing survive. You are not going to survive. Yeah. Oh, you need...

Go through our budgeting program. Go through all the quizzes. Go through the whole educational thing. And same with the investing one as well because I know there's investments at the end that we're going to talk about. Go through them. Take all the quizzes. Take your time to go through them. If you guys want them, they're bundled at a 15% discount, by the way. Check that out. But you need to go through that. You need to look at your expenses on a month-to-month basis. See what you're trying to get out of the budget every time and adjust that for the next month. No, I don't.

Oh my gosh. A lot of people were telling me to make like an Excel spreadsheet or something, but I just never got around to it. To the same thing, you could just use an app, a free app or a paid for app. I don't even care. It does it all for you. 36 different restaurants. Yeah, I live. You what? Yeah, I don't know. Like I...

All my friends and stuff, like, are constantly, like, going out to eat. A lot of, like, people I know are constantly going to these, like, really bougie restaurants. And, like, I don't know. I don't want to feel like I'm missing out just because I don't have, like, some cushy, like, job like they do. This is what... Okay, okay. So many things to unpack there. So many things to unpack there. One, you're not entitled to sh... They are working. Mm-hmm. And they can treat themselves with their money that they are earning. You are not entitled to living their lifestyle. Mm-hmm.

No, I know. But it's hard when you're raised in a certain lifestyle. I was literally raised in this neighborhood where everybody was wealthy. Everybody had, like, daddy's money. Everybody went to, like, Pilates, the fancy, like, juice places. Everybody did this stuff. Everybody went on fancy Europe vacations. I had a friend for a private jet. I did not have a private jet growing up. Oh, my gosh. You have, by sympathy. This is horrible. But literally, like, it's just like you're used to something. Oh, I grew up in a house with money. Woo!

No, but part of me wishes that I wasn't. That I wasn't raised in a house with money. No, you don't. I grew up in a house with foreclosure notices. No, you don't. You don't know what that's like. You've lived rich. You're living rich. You don't know what it's like on the other side. And you would never want to be there. That's hard. I'm sorry.

That's fine. I had a friend growing up who kind of struggled, or her family struggled financially, and it was just really hard. I'm not going to go into too much detail about that just because this friend, I want to protect her privacy, but at one point, she was homeless, and one of our families had to take her in because her mom was constantly changing apartments, changing where she lived to get lower rent. She didn't have any food in the house. It was insane. The crazy thing is...

and i i don't want to go as extreme as homelessness but you almost need a taste of that because you have no respect for the dollar well you don't know what the i see homeless people on the street and i do give them money because like i i just feel so bad like i feel so bad for them and i wish that there was i wish we lived in a world okay let me just say like you've never lived in the real world i haven't i can admit that

But like, what if there was a world that we lived in and everybody had money and everybody was able to live comfortably? Like, cool. Go to the dream show and talk about the dream world. That's not the world we live in. So yeah, that's a waste of time to talk about. Yeah. We're talking about the reality. Yeah. Reality sucks. Capitalism is bad. I don't like it. Yeah. Really easy for someone to say that grew up in a really nice house in one of the best school districts in Texas. Who has the rent pay?

paid for that is able to go to Europe and on a whim with their sister who's able to do girl math, who's able to be fun employed. Yeah, it's easy to say that the system's bad when you're doing that because you've never had to work for it. You never got to actually see what happens when you put in the work and get benefits and actually have a little bit of responsibility and actually...

Build something or do anything. You've grew up in privilege beyond privilege beyond privilege beyond privilege. It's only the people who speak like you that grew up in a world where you've never had to do a single thing in your life. So I don't want to hear about that. What a joke. I'm sorry. I just wish everybody had like... But yeah, like you were saying... I wish a lot of things. Wishing doesn't get people places. You try to create the best systems possible. This doesn't matter. Oh my...

If it's the best system possible, then why are there people who are the top person citizens who are like... Shut the f*** up. I'm not saying this is the best system possible. I'm saying we don't do the, I wish this is how it all is. You try to create the best systems possible to give people the opportunities to live the best lives. I'm not saying everything's perfect. I'm not saying this is the best system possible. I don't know. Everything's a f***ing hypothesis. It's... Yeah. But for you to say that...

It's disgusting. Yeah, no, I know. I'm a real hypocrite for that. But the people who you should be going after are the people in the top something percent that like hoard all the world's wealth. Like go after those people. Those people need to be taxed. Taxed to the max? Yeah. What does that even look like to you? You probably don't even know what that looks like. What does that look like? How do you tax them to the max? I'm not sure. I have somebody else. Oh, interesting. This person's voting. Yes, I am.

And I already know who I'm voting for. And you literally can't describe a tax. This is great. Well, I mean, I do technically have a disability and was held behind the wheel. Oh, shut the f*** up. Yeah. You have autism. I know I have autism. I have friends who have autism, and at the same time, they're living off of Social Security. Yes, but you live in a rich family.

And again, I'm not even saying people shouldn't be taxed more or tax less. I'm not even saying that. It's just, I'm just trying to get, when someone just throws out like that, I just want to see them try to explain it. And you can't even explain what a tax would look like. What a joke. Not even saying you're wrong or right. This is, you can't even explain it. I know. I know. I don't, I don't know like anything about this subject. Do you have any other debt except for that card? Any other debt? Except for that card.

Not really. I don't have any debt. How much is your rent that they're paying for? Well, they own it. So it's mostly just like A to A fees and stuff like that. My producers are telling me you're lying. Am I? You owe for a class? Oh, yeah. Well, I got this like social media package from like one of my like besties because she does like social media. I'm like... What? She gave you a package? Yeah. It's like a course on social media because like... Of hers? Yeah.

she teaches it yeah no she teaches it but she's also worked in corporate she works in corporate okay okay wonderful wonderful wonderful why i'm thrilled okay follow me she didn't give it to you you're paying for it right yeah i'm paying for it so she didn't give it to you your friend is making money from you i know but like i want to support her and i want to support her business oh so it's that yeah okay well you made it sound different you made it sound like she's giving it to you so you could learn how much do you have to pay her for money you don't make

How are you paying for it? It costs around like $2,000. No, what are you getting from $2,000? Oh my. Well, I'm getting like five strategy sessions and also she's helping me out with like make, learning how to like make captivating content, strategize, make reels, that kind of thing. How many followers does she have? She has like 5,000 something, I think. Yeah, you should not be paying for this. No, but she also works, she works in corporate.

She works in corporate. Yeah, she does social media, like market. She does marketing for or she used to do marketing for Kendra Scott. So anyone that has a marketing job goes out there and sells a 2000 hour course. You should sign up for it. Yeah, well, I mean, I'm going to sign a course. This episode is brought to you by Maersk.

It's like...

not on that but like hey clara it's a smart it's clara you graduated with marketing worked in marketing for a second i think uh i have someone to buy a two thousand dollar marketing course if you'd like to make a quick 2k you worked in marketing for a second obviously not i wouldn't do a marketing course i would do like something like some kind of like i would do like running for beginners or like something that i have like oh this is learning oh you're taking a course of how to make a course

No, not a course on how to make a course, but I would like research something and make a course out of it. Cause I have a friend. Why are you the person? I literally have a friend who doesn't know anything about the subject and he makes banks selling a course. He's just a good salesperson. It's all it is a sales. When we made the budgeting and investing class, we have a whole team to work on them. We collaborated with experts.

experts in the fields. We spent months building them out and creating the best education possible. And every once in a while, we still get flack for the fact that we've created something like that and we charge money for it. But you know why more than anything? It's because of people like you who put the lowest effort, lowest knowledge into something. Then you sell it for multi thousands and then people are scammed into buying it.

Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better. And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15% discount. And you get $100 in cash gifted to you right into your MooMoo account. There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you.

Oh, my God. I don't like you. It's just like the way it kind of is. Like, it's just like it's where social media is go. Sadly, if you like it or not, like I do know people on social media who do do that. I wouldn't say I wouldn't provide any value to people, but like I would sell something. This guy she knows has a large following on Instagram and she paid him and didn't know what he was talking about. Three hundred fifty dollars. What's that?

um it's well i actually like i do i do like this person um what but no what happened it's pretty nice but like i just like he didn't really give me as much value that i wanted you paid him 350 dollars for what for advice on how to run my um advice yeah advice what like he had you had uh one-on-ones yeah how many followers did he have

He's literally like built a whole following, but at the same time he's built his following from being controversial. And so like, how many followers? A hundred thousand something on Instagram, on Tik TOK, Tik TOK. That's nothing. A Tik TOK follower is nothing. But how come I'm not? Because you don't make interesting or engaging content and people don't resonate with you.

TikTok is the easiest platform. Follows are nothing. They're not even close to a subscriber on YouTube unless you're a shorts creator and then it's very easy to get subscribers. But that's nothing. On TikTok, that is nothing. As much as I, I mean, it sucks to say, but that is nothing. You

You can have literally because what happens is like on YouTube, if you wanted to be a YouTube creator, even Instagram, you have to make a consistent amount of really well performing videos over the course of so many months to get 100,000 subscribers or something like that. Or TikTok post or Instagram post on TikTok. People can get to 100, 500,000 subscribers by having one TikTok that blows up. That's insane.

Yes. It's just the easiest. So I wouldn't, if just for future reference, if you're just viewing people with followers and like, that's a hundred thousand, I take that cause kind of nothing or at least see where it came from. What I would at least focus on if, first of all, just don't cause you fall for every scam. It sounds like, but,

But look at their consistency of viewership. That's what you want to base it off of. Okay. Whether or not they have success. Yeah. Oh, what is this? Was going to do a plant medicine retreat and paid for it and couldn't go because it wouldn't work out with her medication. This was back in March and April, paid $500 and didn't go. Yeah. What is your life? Is this even a financial audit?

yeah i think this is like i really did want to go go to that though but then like i obviously didn't do my research and it does interact with one of my meds so i was like no well i wanted to go there and see if i could do some kind if i could get some kind of thing out of it if i'm able to like process my trauma what is this guy on saturday or on the weekend that you're meeting with even like know about you does he know that like this is you

He told me I was very... Well, I told him that I was going on, like, I didn't want to say details, but I told him I was going on, like, a podcast. And he was like, that's very ambitious. And I'm like, I'm going on financial audit. He was like, it's very ambitious. And I'm like, no, I am not an ambitious person. I know I'm training for a marathon and I know I'm going on this, but this isn't really like... Oh, you cannot answer questions. Yeah. What's going on? And just, if he knows you're like this... I don't think he does. And hopefully he won't watch this video. Oh, no.

I know who he is. I'm going to send him this video. No, I'm not. Please don't do that. I don't know who he is. I mean, I saw who he is, but I wouldn't do that. Yeah. I'm kidding. Okay. So you put 20% down? Yes, I did. How? How'd you pay for that? With my money that I made from my internship. Okay. How are you going to pay the remainder? That's what I'm like, that's what I'm like kind of struggling with right now.

I applied a few retail-based jobs, and also I might start working at night as either a barback or a bottle server. Yeah, that could be a play. I'm going to use that money to slowly but surely pay her back and pay some other people back, and then eventually I want to be able to pay...

Well, it's mostly just to her, but also I want to be able to get my parents stuff. I want to be able to pay them back. Pay them back? How much? There's nothing I could ever... That's the front.

That's the frustrating thing. It's like, I want to make them proud so much. I want nothing more. But like, I just know like I'm never going to be successful. Well, everyone in my family has been successful, but me, I'm like cursed or something. You're not cursed. Look at your behavior. You're not cursed. You're self-inflicted. I need to go to like ABA or something. What's that? Behavior. It's applied behavioral analysis for people with autism. And so they learn like different ways.

Like how to stop like their like problem. So one thing that just concerns me, I'm not a mental health expert, so I'm not going to dive too deep into it, but you just kind of keep bringing it up. It's a reality. I have a panic disorder, but every time I don't do something or every time I have behavior that is objectively holding me back, I don't say it's because of my anxiety disorder, my diagnosed panic disorder. I don't say that. But every single time that you're called out for doing something bad, you're like, yeah, I need to go seek treatment for my autism.

It's just like, I think you're kind of crutching on it. Yeah. No, I am. Okay. Then stop. Yeah.

But it's technically a disability. And I keep like watching these videos and people were just like, oh, like it's okay to be like disabled. It's okay to just exist. And like, that's not helping. Yes. Yeah. And, and, and okay. And I, yeah, I'm probably on TikTok too, especially there's a lot of interesting things happening in our culture with that. And that is really interesting because it is important to have a voice to let people know that it is okay that you have this. It is okay that you have this. But when people start perpetually victimizing themselves because of this,

You hold yourself back forever. Plus, there's like this ongoing trend on TikTok and in our culture right now of the trauma and victim Olympics of people telling other people that they have trauma and they have things wrong with them. And they're like, oh, maybe I do. Then they start holding themselves back and everyone thinks they're just.

always down and they're the they're bad and they're never going to get ahead and all this stuff it's just like perpetual victimhood and it's just not helping anyone that doesn't mean you shouldn't be able to recognize your mental disorder it doesn't mean that you should look be looked down upon it doesn't mean that you shouldn't realize that maybe you need these extra help in certain areas yeah that's true but if you just get in this ecosystem where it's just constantly like

Where it's so affirming that it's holding you back, that doesn't benefit you. Yeah. That content might come from a place of a good heart, but it is not helping people right now. Yeah, no. I'm definitely like, that's what my TikTok constantly feeds me is that kind of content. Oh, yeah. Yeah. And then I also, I have been having some medical issues at the same time. I can't disclose what they are. But at the same time, that really-

It's confidential, but I did have some health problems this past summer that really, really set me back.

in my internship and okay it i don't want to talk about it because it's gonna make me cry and i actually did i actually did like love my internship i loved my co-workers no i love the tech industry i i felt bad calling it boring and everything yeah you were the beginning well the reason why i was like kind of like why i sometimes like diss that like finance and things like that is because like well i'm not into it but some other people are passionate about it but the

Okay, I'm ADHD. Back to the beginning of why I have like a chip on my shoulder about it and why I diss people about it is because I've gone out with some pretty entitled guys. They all say they work in tech. They make me split the bill. And I'm like, why are you bragging about having money if you make me split the bill with you? No offense. I would have made you split the bill. Can they just tell that I'm from Westlake? And so they're like, oh, yeah, she's got it. She's got it. It's because I wouldn't have enjoyed the date. Hmm.

That's harsh. I'm sorry. I wouldn't have. So I would have made you, I would have been like, all right, so we're splitting it. And then I would have got the out of there. I'm sorry. I'm a cool person in real life. Oh, I know. I know. And that's cool. Yeah. But there are a lot of things for people that are in like partnership mode. Yeah. Like you can be a cool person, but if you're like literally living off of mommy and daddy's tits and a high rise, it's like, yeah, it's just like, that's red flag extreme. Yeah.

Yeah, I know. I mean, at least I'm not living at home with my parents. Like, I do know some people who are. Well, no, that would...

That just backfired. And also, what's wrong with splitting the bill anyway? Like, in general. Like, what the fuck? Well, it's one thing to split the bill, but also, and I posted about this the other day, it's another thing to brag about how you have money and how you have this cushy job. Like, you're so rich, and then you have to split the bill. Like, are you kidding me? Like, stop bragging about how much money you have. They brag on the first date about how much money they have? Yeah, I've been with a few guys before who have. Yeah.

That's a red flag too. I'd leave them as well. Or they'd be like, I just want my private jet to Aspen or something like that. Or this guy wants a drag bike. We have very different hinge dates. Oh, yeah. Some of these dudes in Austin, they're rich, rich. But yeah, they certainly aren't providers though. They're very just like, this is my money. Sorry. $5,939 in a checking account. Oh, no, that's true. No, no, no, no, no. That's withdraws. Balance 217. Sorry. I just don't like hearing about it. I'm just like...

Which is why you spent $324 on PP. What? PP. What's that? Two piece. What is it? Oh, PayPal. Okay. Uber trip. Wild bar. Door dash. HBO Max. Uber one. Free will. Donations. A 25 recurring donation.

Yeah, you literally make no money and you live off your parents. So I don't know what the f*** is happening. You have Rocket Money Premium. So I don't know what you're talking about making an Excel sheet. You probably don't even know you have that. TikTok shop $87. So more than you'll ever make off a TikTok you've already spent there. It was cute. I liked it. Stop it. Dream, Trave, Amazon, ATX Girl Hangouts that cost money. Venmo.

Prime Video, Jackalope, Twins Room, Twins Room. You go out every second of your life. What are you living on 6th Street? Prime Video, Little Woodrose. Well, I want to be able to live my life still. That's the thing. But like, yeah, after this, I'm probably going to think differently. I want a lot of things too. Why do you think you're entitled to that?

I'm not entitled to it. But your actions and your words suggest so. Yeah, no, I need to stop. Or find out some kind of way where I can be in nightlife or like I can like be on the other side of working or something because I do like... I'm done with this.

Or like if I can like make running into like I can be like a like a coach or something. I need to find something I like and learn how to monetize it. I'm sorry this conversation can't help you. Wait, why? Have you been here this last hour? Yes, I have been here this last hour. It is incredibly clear that you your situation is not a budgeting issue.

usually this shows about changing some behavior and fixing budget you're living off your parents you have an entitlement you have so much spoiled the environment you grew up in has just trained you to be spoiled even just your language of sacrifice and still needing to go out and all this stuff is just like yeah no i know my actions are definitely not matching my words it's it's it's it's dude

There's the show's not helping. I'm a hot mess. I swear you only decide to start making words the moment I end a pause and I try to start saying something. Maybe that's why Uber Eats, Uber Eats, Amazon, Uber Eats, Uber Eats, Sweat Pals, Hot Cakes, Hot Dates. What's that? Or no, it was just this like event in Austin. It was called like Hot Takes, Hot Dates. And this is like singles event, but I don't know. I should be going, guys. I'm gonna go. Where was...

truth finder what's that oh it's just like well i was like really concerned about somebody i'd met for a day it's this thing where you could basically look up somebody's information and see if they have a record or not um i couldn't find his criminal record thank god but there have been times before i have found a criminal record for people and like i just like i just can't be too sure these days with like people people are sketchy people are sketchy

Ultra Violet Club, Coffee, Uber Eats, Uber Eats, Prime Video, TikTok Shop, again, kill me now, Uber Eats, Uber Eats, Hulu, Uber Eats, TikTok Shop, Secret Disco, Uber Eats, School.com, Prime Video, Austin Airport, Spotify, Spotify, why are there two Spotifys? Uber, everything's like in doubles, Hulu, Hank's Sound Healing, Google One Cafe, and Theo's Cafe, get your guide operations, is that another class?

Amazon Prime. Oh my f***.

Yeah, I think that was another, like...

Whip that one out tomorrow or this weekend. I can't even do jokes anymore. Yeah, no, it's a lot. It really is a lot. But like the thing is that the real joke of it all is that it's like how much Uber is on there. Like I need to stop Uber eating. It's just like I can't help it. I love food and I think I'm too lazy to make food and I'm too lazy to go out to eat sometimes. You're going to be such a good trad wife.

Oh, I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moo Moo, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5%

5% on your money and up to $300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral. You can also sign up for our investing program and get $100 in cash deposited into your Moomoo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below, so don't pass up

the free money because I'll punch you. Yeah, no, I'm just like I need to figure myself. I either need to get a job or just like I can't be, I can't want my cake and eat it too. How do you say that? I can't have my cake and eat it too. You're saying these things that are objectively correct sometimes. I need a job. I do need a job. Somebody please hire me. Let me finish. I need a job.

I need to stop eating Uber Eats. I need to cook. I need to budget. I need to put my stuff down on an Excel sheet. Why the f*** aren't you doing any of it then? You can't just say the right f*** and not do anything. I need to not be f***ing relying on my parents. And then begs for money from parents. I know. If anything, I should be giving them money. But at the same time, like, I just like, I'm just like such a like lazy, like spoiled rat. So it's like.

I am. It's the truth. I'm lazy and spoiled. Objectively. Yes, objectively. Which is, I don't think there's anything I can do to help with that. You just need to get cut off from your parents and you need to have like a f***ing real world situation figured out immediately. No, Farmee does think they should cut me off. Oh, they need to cut you off. That's the only way I'll stop being, it's like this toxic. Call them. Call them. Call your mom right now. Hey, mom. What's up, honey? I'm just, I'm filming the YouTube video right now. Oh, that's awesome. Do you need my help?

No, I just wanted to, I just wanted to tell you something. Um, yeah. And this, do you mind if you, um, okay. I'll just, I'll just spit it out. I feel like you and dad give me too much leniency with my finances. And I feel like you guys give so, give so, so much to me, but I never really give back to you. Yes.

Well, do you want us to set some boundaries? Like, once you're 25, you've got to be responsible for paying $1,000 in your rent. Yeah. What can we do to make you more responsible? Let's start setting some boundaries, if that's okay. Okay. No, I think that's good. Yeah. Because, like, I just, like, really, from, like, being on the show, like, I need to get my ish together. Yeah. We did start. Like, here's something you can show. It's positive. You pay your own rent.

electric and wi-fi you um you have your own investment account that's true check periodically yeah you have savings are you adding to your investment account at all

I need to be adding to it. With the one money. Yeah. I haven't bought any new stock. I've been kind of keeping track of my stock that I have. But yeah. Yeah. No, I'm actually like, I'm filming. I'm about to film, go on right now. Oh.

yeah i know that's that's the goal is i am gonna try to be take hold of my finances you need to be cut off then you can say something like 20 25 you know i realize i'm yeah i want to be financially completely financially independent from you guys so that's fine that's a good goal

That would be great for us too. But I need to, yeah, like I need to start by like actually getting like a legit job or maybe doing like that internship program and then like actually getting like, yeah. You should focus on, but you did pretty good about staying in Boyd. You're going to go back to the life or get back in there. Did you go to the county job fair yesterday or did you go to the office? Yeah.

That's okay if you didn't go, but stuff like that. Yeah. There may be some job you have no idea about. And that's true. You'd enjoy. Yeah, I should have gone to that yesterday. I just, like, I slept late, and then I went for my run, and then, like... Well, so that's an example of something you didn't take advantage of, but you probably should have. Yeah, I know. I'm sorry. But I will eventually go back to...

and like do like and then like search for jobs and what opportunity is yeah i yeah honestly like yeah mom i have to go but yeah i'm here now okay all right love you bye what's the london program it's this internship program okay she's an incredibly nice person she is my mom she she was incredibly pleasant person very nice

She is coddling the fuck out of you. I don't even know if you could feel it. The fact that you didn't even like answer if you went to the job program, but she knew you didn't because you're suggesting. And then she said, well, that's okay. We just need to make sure we're doing it. We just need to make sure we're doing this. We just need to make sure we're doing this. There's no consequences for you for not. You are being coddled. You are facing no reality, no consequences, no...

No real world actions. Nothing is happening when you don't hit the goals. We've seen so many people on the show who are like, I will do this or I'm going to do this. I'm going to do this. All this future stuff. Your entire relationship with them is we need to be doing this. We're going to do this. We're going to we need to start looking to do this. Yeah, it's nothing because there's no future.

Nothing happens when you don't do it. Yeah. It's just okay. And we move on to the next thing. And that's why I listen into that. My heart kind of breaks right now for this. Cause again, there's nothing I can do here. This isn't, this is not a budgeting thing. There's nothing to budget with. You don't make any money. So I can't even make a budget for you. Yeah. It's,

You're being coddled and somehow. How do I break that? How do I break that whole like, like, how do I, how do I stand? How do I make firm boundaries with my parents? Boundaries. Listen, they want to help them. They want to do all those things. You just need to, if you are actually serious about it, you need to say, I, mom and dad, I am, I, you can't give me any more money. No more money. I can't.

I talked to this guy. I see the consequences of my own actions. I need to learn the value of a dollar. You give me no more money. Now, what I'm willing to accept is obviously you're already in rent. That is likely very expensive. Maybe they help with that term in the portion that you pay would be applicable to like if you were to go get yourself just a studio or something somewhere. So maybe you're paying that part. And then once that rent is up, you can not resign it. You have to go get your own that you're paying for. So I'm okay with that. But

But they're not paying for you to go out. They're not paying for London trips. They're not paying for apparently a future Chicago or L.A. trip that you're going to do. I'm not there. They're not paying for your different bills. They're only covering maybe a little bit of rent just so that you're the amount you're paying for is like what you would pay for when you go get your own place. And you are managing your own budget.

The investing account, I don't know how you have money there. You didn't make enough to be able to put that there unless all the money that you made put $4,911 in and they just paid for your living expenses so you didn't have any overhead. Like it doesn't make any sense. She said you have savings. I don't see any savings unless you didn't send it to us. Yeah, I did send savings to you guys. Okay, well. Yeah. I have a little bit of savings and then I also, wait, is it on there or did they not? $2,000. Yeah. Okay. Yeah, I have some savings.

I always make sure that it's like my savings is good because I don't I don't want like not have any savings for an emergency. I need you to have that tough conversation with them. And I want you to actually sit down with both of them. I want you, mom and dad to go to dinner together. OK. And I need you to lay out this conversation, maybe even show them this video as much as that hurts. Maybe even highlights or just a portion. Yeah. But essentially, mom and dad play this part.

Her finances are... She's learning nothing. She doesn't know the value of a dollar. Her credit card balance is high and there's no payments to be seen on there. She says you're paying for it, but again, in the history, it's not showing. She doesn't know the value of work. She's not showing up to the job programs that she's supposed to be showing up for. And in the conversation you guys had with her, it is just...

We will figure this out and that everything's okay all the time and there's no consequences. She needs to be cut off. The only thing I will allow you to pay for that makes sense to help her is likely her rent is too much for her to afford going and working. So make her pay for that.

about like a thousand dollar rent which is rent that she could go get on her own after that lease is done and then you can cover the rest but nothing else in her budget she needs to start learning the value of a dollar and if there's like a three month transition i'm also okay with that as well while she's job hunting but she needs to get a fire under her butt and if she is not

If she's just getting all this extra help, she's never going to get a job. She's never going to get a career. She's never going to do what's necessary. She's never going to have an adequate retirement account. I don't know how she has that. It's likely because you're covering all her living expense. So that's what I say to you guys. Please cut her off now. She needs to be. She knows she wants to be. She just can't. Yeah.

Okay. And then sometimes like I'll get into like arguments and stuff with them though too. And then they're just like, I'm like, I'm, or I'll be like, I'm running away. And they'll be like, well, who want money? And I'm like, yeah, that's true. I wouldn't, I wouldn't last a day. Why would you run away anyway? Or not run away or just like, or just like move somewhere else and like not tell them or like, I'm just like, I'm upset with you. I'm not for talking to you again. What are you upset at them about? Oh, you come from the most spoiled household ever. What are you upset at them about? It is about like a lot of our,

lately have been about like my lack of like a clear career path and also just like my spending habits. And yeah, my mom has had to- Yeah, and they're probably right to be upset. Yeah, they're very- You're 24, you're doing nothing. Yeah.

Alright, that's what you need to do. No budget's going to help. I'm not making a budget. There's no income to make a budget off of. If you're spending expenses that don't make sense because you don't have to cover any of them right now. So that's what you need to do. That is step number one in your life. Make sure you guys come to the post show. We're going to talk about a lot more things that we didn't have

No, it's just extra drama and stuff that doesn't make sense to have them in the show. Actually, I'm going to review your hinge. So review your hinge since we talked about it. I'm going to make fun of it or compliment you on it, depending. We'll do that. That'll be fun. Hammer Financial Score. It was horrible. So, yeah, make sure to check out all the resources linked in the description below. Is they what a user would use in specific situations?

the budgeting and investing program which is bundled at a 15% discount see you guys in the post show today on the financial audit post show you're the bad guy yeah I am you're a piece of shit yeah there is like an actual culture of lonely people right now and I'm lucky well I'm lonely too oh shut the fuck up you have options shut the fuck up the dating world out there is fucked and it's literally because people like you sometimes people will like identify more of like the villain and stuff than the hero and sometimes I'm just like yeah I can relate is that bad yeah

Yes. I'll be honest, I don't like you. Oh, okay. I really don't. I get a rejection card. And... Watch the Financial Audit Post Show. Click the Join button below.