Psycho Tried To Manipulate Me | Financial Audit
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To watch episode animal a week earlier, check out on youtube. Sitting there and you're looking in the thirty that double about was what do you mean? How do you not know double? It's a double the number.

Hi, i'm holy. I'm twenty six years old. I live an auto taxi and the financial .

law IT what do you do here in awesome for living?

I am an adman i'm off support. So not really secretarial do is more like back so broad.

But okay, what do you do? Ency .

okay.

what do you make you guys always spend my emails? yes.

Ah what do you I make about forty eight forty nine year how you feel .

living in our aston in that it's at a single household income yes .

and households um I I mean that doesn't feel great but that's I think mostly due to my student loans. I think I would be doing a lot Better in life for I did not have student loans. Yeah oh yeah I didn't graduate. So actually consolidate them. So um the payments were about six hundred can .

consolidate them. If you went to a private institution, I would probably solve. So now if you go to private, private bank, oh.

not that that would be good anyway .

because you lose forgiveness protections in different things like that. Oh, OK not that you can't consoler ate them. What you're talking potentially within the institution part of federal managing company?

No, no, not the vate, the .

private land.

private land consolidation.

I mean, you could private .

loans .

disk yes, I thought federal state of months um I sent to my discovery O.

O O for one of them is that first one it's that first mark they discover sold IT first mark this was .

a car because it's so substantial.

No, I don't know. In a car I drive my brothers.

Or do you live with your brother? No, I don't.

I use to. So when I moved here, I lived with my brother on his cultures for six months.

Or you okay, i'm not saying and sleep on this couch, but are you you live alone .

and I live I live .

in you can't live because of the what's you rent?

Uh, I think it's ten eighty with I don't .

get a remate.

So I had to remit in my last place and I was like the worst experience, a Better mate. So I I mean, I agree, I just I don't know anyone to live with.

you know, brother.

do you know my brother? But he has a girlfriend and they, yeah, he is a boyfriend. They live together and they they live in like a three bathroom house yeah well.

okay, I know those two correlations are but OK, I mean, that's something most outrageous. And I know you actually live in a good area relatively, you know, close to town and i'm outrageous.

I'm in housing.

Oh, I thought I I heard you say that. I thought you said .

small housing mart. I like .

local.

Okay, yeah.

So you went to school, boris, time money for where you go to school, where he was. State were on before that connect, see out out of state.

But I had I had to quite a lot of like different financial AIDS and things of pilgrims of that different type of stuff .

you gonna get AIDS is not the worst kind.

So my tuition was roughly, like anywhere from four to eight a semester. So most of that came from my cost of living, like my, you know have to pay for .

my apartment and like books riner.

So my pay was seven about an hour. So like whole.

And when one of is this one school because even sixteen, twenty, sixteen.

yeah that that makes .

sense because yeah lot of minimum wage jobs are actually paying like minimal wage in that time because if was like twenty anywhere from twenty, twenty plus no or pays a wage unless you're like really rule rule, rule area when there is not a lot of workplace competition like extremely unique circumstances because you live in pretty much any city now in Austin, you know, the minimum just seven, whatever that is.

But the real minimum way, just things like sixteen, seventeen, eighteen. Yes, I found eighteen box to be the medium entry level low is the wage job in Austin? K, when we researched ed, the area that's .

a lot Better than yeah virgina was not yes.

what hits your account .

on the mty basis? Well is a different time. So I mean rent hits right? Um oh just my .

just my job number.

Oh no no. Um roughly fifteen .

hundred .

every two weeks. Okay so about thirty and that's what .

I had had I had three thousand forty.

okay. Yeah.

good.

That's about right. That's .

roughly .

that .

amount.

You spend that amount and every single month of that Better than those .

who spend more than they make.

But well, if you notice, those are refinanced loans. So once a that ends in january, I will be over ah so .

that .

you will be over what the amount that I make, like my amount .

that I need to pay everyone ah. So those what are you saying?

I refinance I so the payments are like way lower. They .

will be you a man.

I was a short term thing there.

You got you h you talk to them. You said, like I can't afford this. And like that's not refinance and refinancing doesn't need of long going to you could refinance anything. But if you get IT locked in, like you have like a variable thing here, 而 you have a payment that's going to go up， you're in some special programme with the bank. You talk to them, you're like a pole with to me and they said, okay, let me help for a few months.

Yes, general program.

So this wasn't refinancing. I was this was a different bank.

No.

this is with discover. okay.

So you just talk to them, yes, OK.

and they might do IT again if you ask. Not that I necessarily want to do that because really the interest rate doesn't change typically during that. So just really accumulated ventures and really do a long term.

Yeah yeah.

it's actually with your rent. Why can't you? You pass yeah, you pass to I with your run. Isn't your run to third income?

That kind of sucks.

So where we I know for a fact, you can make a hundred .

dollars A. tome. Was the bounce.

Ah oh.

that's fair.

Why would that happen? Because I why? Because your rent is a third.

You I like .

you don't track IT all.

You don't need .

to look at this last month.

What about? So I take a look at IT. And I like this .

is the amount of money. I I just like .

bills that I have. And then by the end of the two weeks, I like pretty much all the money in my big account is gone. That's what feels, at least .

feels I don't about feels. What does the math say?

The math is .

that I you don't have a car .

payment and like my brother covers all that.

Your student loans are two hundred twenty, which is not insignificant. But again, for your income and where you're rent is, you have money to cover IT.

Yeah, i'll pay that off. I didn't know that I was like that.

but I did because because because you will check the account yeah.

that's there.

And if we don't have enough money in our checking account, we're already have any bill hits. I know energy, right? Whatever IT be going to grocery sort because of food.

I know it's bad, but I tried to like, I tried to do my best, right? Like I went on a bachelor a trip a like a couple weeks ago. No, no, no, no.

Here, out here, out here, right? So I went on the spatter trip. SHE called off the wedding. So how am I I supposed to tell her no two of her other brides made, said no. How am I supposed to back out at this point?

So I did. They said no. Why the the, uh the girl .

called like a bucket or whatever.

Why didn't they read? What's the person called? Not a grim's men? Brides made.

no. What's the prime mary? One called bride? no.

The battle, right? Oh, wait. No, I have a wrong. This is the person, the person that the number one in command, the one planned in the party. You know, her best friend, typically, typically.

but he did not. Oh, SHE did herself.

If two for friends couldn't. If two of the people in the party going to go and SHE just restructures so SHE could get everyone around her.

IT would have been nice to do that. I think because he had, like, just called off her wedding. SHE really needed to get out of, 不， 不不不。

yeah, I miss.

I think you miss that. Yes, IT was a bachelor a and then like a month before the bachelor a, IT became just a girl's trip because SHE called.

well, now it's dumb. So now it's beyond dumb. Everything how you spend four hundred.

that's the first action.

I think even that crazy. And again, you you probably could have afforded and we probably could have made a work again if four hundred and ce a girls trip, or you can go, what did you do?

What that we drove to orlando, her pay for five nights .

in land. So what was your four .

hundred part? IT was .

very gas to.

We .

stopped many .

people, girl, because he was pregnant. So SHE didn't want to like to do the whole. The whole like IT was like a sixteen hour drive there .

back in four hundred. For that I think you could have flow their impact.

But that he was for gas, all the food that we paid for most.

there I was. I thought you said they OK.

They did not drove there. So we stopped in A P what?

what? Stopped in a alabama .

to see one of the girls that couldn't go on the trip. And then on the way back, we stopped in golf. Courtney city.

yeah. So we've been Better to fly probably, but Price, I mean.

yeah but I guess like at that point, we had already plan to do and the hotels around I .

planning to pay your bills.

I know. But like IT IT, in my mind, I eat out because I use the security because of my old place for IT.

Stop with you. Got ta stop that. I understand you not try to justice to do.

Now you are trying to say I was girl math, so was like, it's past dumb. So not murder you for that, but just shut up with that going forward. Don't use that in your life is so stupid.

Just stop. Okay, but I want to focus on the security. You use the security deposit that you got back. How do you pay for the security deposit in your current place? Because usually you just move IT over.

Your brother paid for. So, yeah. So my brother paid for my movers.

and for nice brother, apparently.

yeah. Do you owe him? No, he is one. A cavy to giving me money because I lost my job in december.

What is your job here? Aston, yes. How you ve been an aston, are you? Moston.

i've been here for two years. I got a job before I moved here. I moved here for that job. IT was an executive .

of assistant position.

Why do you lose? IT, um, I could not work there anymore. IT was not going to be a good situation for me anymore, so I just I could not keep doing that.

He was trying to make me add even more people's work on top of my workload. And he was just IT was going to be impossible. So that changed a lot of my financial al situation .

because like you are, you like, well.

I I made them I made them fire me because I was like, i'm fine, was staying here in my current capacity. But if you're going to ask me to do all these other things, no, doing that, okay. Well.

that's fair enough to fire you. If an employee says, no, they're going to do the work even that's more work. Yeah, that's certify.

Yeah that's what I thought you so you know I was like what I think mutually this is just not official for either less any 不 不。

不不不， you done with the job. That's also fair for you to quit if you don't like a job. However, in that situation, I would say, let's make sure something lined up first.

you see.

because what did you end up getting financially from that? Oh, absolutely okay. Then what? So then why not do with the adult way, have something lined up? what? So I didn't .

have anything lined up up because I wasn't expecting IT to happen, right? Like I wasn't expecting to stop working there. This was like two days after my birthday. I just got like a thousand million bonus like I had just like things were going really well and he just hit me out of nowhere. I personally .

think you were asking .

to get fired. okay? IT was a pip that had come through.

So IT performance improvement plan, essentially my improvement in another to make sure that they were doing their job. Yes, IT makes no sense. I told them multiple times that made no sense.

Now the type of person to back down, so I IT was not a good situation, was renting from him. Um he bought me a car. He bought me this purse that I have right here um so like IT was just IT was not a good .

okay you know I have to ask was IT like, no, no, no, no, no OK because what the gift in this and .

that and like .

things and I know so why I fired was never officially disclosed .

ah yeah they give me a termination .

letter what .

was worry fired for refusing to take on extra work, uh, in sporting ation for refusing .

to take on extra work. Why you do way and just go get another job and then quit.

There's I had no time in the data. I was working sixty at minimum hours a week. Like IT was insane, like I had no time. And on top of like my medical problems, like when I would come home at the end of the day, doing is crashing and waking up.

Yeah, you had one hundred eight hours left in the week.

So attracting sleeping. Right, and eating and like taking time.

Well, okay, what's taking care results?

Because I have vigee right part of my job? No, because part of my job is being an executive system. I have to be extremely presentable because that the type of person that that he is, okay, like there are hundred thousand million cars in my garage at this point, like I I like his whole idea that .

trying you rushed that how long would you take my hair? Everything is like to.

oh, so I don't i'm a fast .

than it's thirty minutes to an hour depending .

on what i'm doing like I went this private for our party that was like the kick off for the f one that took me like an hour and how to get ready for that.

But you just stop if you okay. I mean. Kay, minus eight hours of sleep. So seven years, there's still seven hours of in a day because the sixty hours just sped across seven days, right?

No.

then it's extra stupid. Then you have the weekend and to .

apply for job worked on the weekend. Oh, let's see. I just if IT was .

sixty spread across seven days, then you have seven hours a day left after eight hours of sleep, it's called hours to get ready. Wonderful in an hour for total foods because your meal prepping five and I have hours, you still have left to apply. Cool, you need an order to relax. wonderful. You so four and a half hours to apply for jobs.

Well, I mean, I didn't I I don't know what.

Well, no, and that's the point. But you're trying to make .

a sound like I was .

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Thank you for sponsor today's episode factor. Now let's get back into the episode. You just weren't being in an adult.

Where are you tired? absolutely. Do I feel tired after a work day? absolutely. Doesn't mean I can't do the things that would be required as an adult. You don't like the job. You could have found another job, equal pay, maybe not, but just something, the supplement, so you could get out of a thing that you absolutely hated instead of getting by going into the position you got into by forcing yourself to get fired.

Yeah no, I think that's completely fair. I don't think it's just in an echo chAmber of very do he was like, why is that blame? Blame, blame?

Why is nothing I new? No, I did. He was. He was. My decision .

didn't not continue working there. He, he told me, if I ask for more money, he'd pay me more money to stay.

Thanks for this conversation so far. What I hired you to say that was desperate.

Okay.

would you from this?

I don't know.

I decided this, but from these fifteen minutes.

whatever I mean, I don't know. I'm not like interviewing. I'm not .

present how you talk about work in your life, in your defections, in the blame which I give at the way you handled.

That was like a child. I am sure that I was IT was .

my first time and o how long you between that job in your new job? Three, okay, did you have any savings?

I had one, five thousand or bonus that had got okay.

which would cover .

three months of this round that I was .

not living there.

I was living .

IT was fourteen .

fifty before, like all the amenities and stuff. So once he added all that, and I was about fifteen fifty .

plus electric and and still obviously Better for the situation and then your brother to care, you relied yeah i'm just confused, why today making OK money? Are we possibly at a point or our checking account would be a zero dollars and not being able to afford the minimum monthly payment on your decreased minimum .

month payment amount of student alone?

All I, I think .

that I am.

I am. I reduced .

my spending so much. I was making, I was making sixty five thousand. I reduced IT insane amounts because I was eating out pretty much every single meal is paying for my car and everything.

So I didn't have all of that that was added in. And now things of cas, I do. I .

just .

still eat out much, maybe like twenty dollars a week, thirty O K, two hundred and fifty .

dollars will spend. And going at this, oh, your math is stupid math. Your math is not math. It's not math and there's no math.

I would say one of those was because I I think I went to dinner with a friend.

Que que S S, just like going to th, just like they're all be something unique next month. There's always something.

alright, fine. So there's always something. So okay, so I eat out too much and I can definitely cut that out. So I don't I but .

I sometimes you energy, energy and my, I have a friend and coworker here。 He's a loser on the weekends. He refuses to leave his house.

But what he does in that loosens, I just make fun of concern because he refused to do anything on sunday's. Did he do on sunday? He meal props entire week, every lunch, every breakfast, every dinner. And then IT doesn't if is lazy entire of the work, because guess what meal was already done? Just got to a warming up.

I don't know. I was just it's a situation that I wouldn't happen again like I was supposed .

to go to a concert. No, but the unique situation every month, it's not. That situation will happen again. IT gets to replace by something else. IT always does the orlando, the previous and then .

this .

exactly .

it's i'm saying, I know makes you do I do .

I get that okay? You sound delusional. You take the hard things. Hard things always come up in life. Choices come up in life in the adult. What's more important, me be, be able to make a literal minimum monthly bill, or getting dinner with a friend. And why does dinner with a friend have to equal hundreds of dollars?

So what do you? I mean, that dinner wasn't. That dinner was less than one hundred dollars.

Okay, then not then. Your math isn't math in anymore. Because you said the reason why we got to that diamonds, you went to there with the friends. And the only thing you're excusing was twenty thousand a week. If is last hundred dollars and you're doing twenty a week now, we do have to that much money being spent.

I just what I just .

I don't know.

I just what I can .

handle being called out.

No, I can be. I I just that's just how I spent my money and I don't know what like, say just, I appreciate .

your joy through this, but it's not a silly little A H.

I'm not. I'm not. He high, i'm not. I'm not he. Hang.

you thought you spent twenty dollars a week. I said, how much you spent and you blame. Then i'm because you went out to friend and then I chAllenge a dollar mile and you say you spend less than one hundred. So things aren't making incense or either lary either delusional or you don't know anything.

I might be a little delusional on my eating out spend.

what? Just spending on t everything else.

I think that i'm doing great. I tried to do good on my electric. I keep IT up like OK.

What about things that aren't necessities to keep .

you on alive? How about that? I am doing pretty good. I think like I I have three py total paper. I think .

that's good OK. Things that could be in spending could be anything that could be a video game, four hundred twenty eight dollars spent. So what does here you talking about?

Okay, I do.

You here? K.

I do in legally acquire able activities.

Uhh, and I.

that's four .

hundred eighty dollars a month.

image.

That's where a good amount .

of that relations to destroy .

your lunch set up to you. But guess what? You also destroy you. You, you're choosing Green.

I use that Green. I use that as .

a medication I prescribed .

by doctor.

there. Here you go. So I don't give a for the medicine.

If a subscribed, here's the thing like, okay, not legally prescribed. Okay, very gone. Keep going and that's different. Do this is perfectly final. They encourage you to doing OK that ensure that they would much .

rather than me do that than beyond the prescription ments.

Oh, okay, listen. And if that's between you and them, okay. So how much of the four hundred .

day would be from .

that them I would .

say you spent more on rush um I would probably like three hundred of IT was from stuff .

right was IT more .

was IT all I don't we haven't will go through her .

you know medical that's a different thing. But you also said you do recall and if there's recreational into you, that that Green is more important than the Green that you owe the bank for the stuff you agreed to take out inside the legal contract and you just being a child, the medals different ah the recreation.

Als, yeah, I sometimes you I don't know whatever you like, you know? No, I don't know .

activities. And yeah, what? Monkees, yeah oh stupid. Okay, come on. Do that part .

of the food .

that obviously you can control IT. Then, no, don't be there.

No, I control IT, then don't .

go out and eat. If you get the monkees, don't be a four year old.

Well, they they are expensive. So what I try to tell, no, what I tried to tell myself was that I deleted all the delivery apps and stuffy.

because that's all is a tip from our pot head and chief. So if here is a protest, he says, make dinner before you get high, then you'll have a whole meal right there. But of course, you only spent two hundred thousand and groceries so proper can do that OK. I, I.

I, T, I, and we .

probably too hard to know.

I personally felt like it's Better to get groceries delivered than IT is to let go out in each two hundred dollars and groceries.

two hundred dollars and groceries, two hundred dollars and groceries, two hundred dollars in groceries. I know you're not .

you don't know .

what that .

reduced spend crae V.

No sure. That's what happened to happen. If I get a pay cut, if I if the business has to do as well, I spend less money.

That's the requirement. That isn't a pat on the back. You literally did the basic minimum. Oh my gosh. H you're really an absolute child.

If you think you get a pat on the back, a hug and a sticker for that, well, we're not in middle school. You're doing the basic adult requirement. And so confused.

I guess.

oh my god, you are actually a kid. You are .

actually a child and I I am trying. I don't know you OK .

you feel you feel like you trying?

Yes, I feeling, I feel like i'm trying. I like I could baby me.

You rewarding yourself mentally with a mental pat on the back that you're doing the basic minims calling that trying. This is huge for financial adit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space.

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paying six hundred total between the two different because there's two accounts that's oh but is .

the two hundred twenty for two accounts or is that just .

one the the two twenty for one? That's that's one of my accounts I so .

I they sold IT, I have another .

account and and then I have the government loans to so on. Oh, no.

no, no, no, no, no, no. That I think 不不不， there's another way. No statement totals two hundred twenty. That's one. They d just sold .

IT to them last month. So this is my first time paying this company for OK.

So that's this company. What is the interest rate on this?

Do you know IT was before I had changed IT? IT was variable, so it's between nine and seven.

Yes, I don't .

have a single loan under nine ah yeah but all eleven percent .

student loan for a degree we didn't quire that's fine. I also dropped out, but I don't have a percent yeah .

I didn't really know like student loans. And my mom went to college on like the pilgrim and everything so well, I also agreed before I got IT.

I was the first one to get to that didn't mean I didn't understand what I mean.

I just feel like I didn't really understand I was going into and then on.

okay, why didn't you understand you?

I was wait listed at Virginia tech. I got off the weight less for fast bd to process everything OK. So I agreed without knowing how much fast but I was gona get because the original college I had agreed to go to.

I was going to do sue with college. Man, you see, the college you want to go to, the dream school is in, and you will literally sign any piece of paper in order to be able to. And that's what I don't like.

Code should be about the education that you get for the skills you're trying to achieve, uh, uh, learn so you can get the job you want to get and become a well around a person and then you you should sign this unlimited debt. And this is why I know, that's why I like trade schools and certifications to companies like core squares for tech certifications. That's what I like.

I am personally, I I agree with that. I went to college. I did my biological sciences. I was published on a project. I learned that that's not what I wanted to do.

everything I thought I went to do. Well.

what did you? I wanted to work in a lab. I want to.

And then what did you determine?

I determine that I did not enjoy.

sure. And you determent, you anted to do what instead?

I, I didn't know. I got into a bad relationship, and things kind of went downtown.

Kay, so far, you've done victim for everything so far. So tell me, what is a bad relationship?

Victim, saying that I was a little preoccupied doing something else. I didn't really have time to college girl life. I had no financial control over my life. He sold my cell phone at one points. I couldn't come people. My mom came down in twenty one month before covet, locked down and took me back up to connectivity and was like, this is not a good situation.

I tell me about the situation.

the situation. IT was A A guy that slowly express a lot of control over my life OK.

And were you not able to advocate .

for yourself? I, I wanted to be independent, so I was attempting .

to do that. But he kept finding ways .

to undermine IT. No way I that I could be near him.

an unreasonable request of a significant and saying, hey, I would like you to live near me.

So I tried to find an internship in history.

I could not find one. What's we talking?

Maryland OK. And so his response was, will you can't go home for the summer? You can stay here for the summer like you? You need to come to maryland like we have to figure this out.

So sounds like OK, first of all, was that the action again, if if for dating IT is reasonable to say I would like you to be with me over dating that but if it's like I put a gun to your head, you're I destroy you if you don't live with me that is different and saying, hey, we need to figure this out as a couple you need to be with me that inherently doesn't like were saying.

so what was that is exactly?

So what was that?

What is anto .

in .

maryland? maryland? 你 没 short。 Like, things won't really bad with his family OK. And so he like, things got kind of crazy. And so we went back down to, like with his family.

he felt I N N dig in into this as much, if throughout this conversation so far, you didn't make IT sound like you're a victim in everything. So I want. So this is why i'm begin into this.

exactly.

I want you trying to figure how how are .

you a victim? And because he sold my cell phone to make you that I couldn't contact people in my friends, he was blocking my family to talk about d nd. He was on me like, do not deserve and so weird .

so he kept taking your .

family oh yeah. And my family would come around. He would be like, oh, my grandma died. So I like, in a bad five to hang out with me.

He told me this so it's very so. It's insanely manipulative. When did you learn this started to be .

manipulative when we had gotten back to Virginia after everything happened in maryland and at that point, my mom .

don hold done. So how long was that manipulation going on before you realize there was going .

to um about six months before I found out .

and then six months before he found out his dating context .

and blocking people yeah and then six months .

before I like OK, why did you not break up the moment you found out?

I personally felt like at that point I was like the sunk cost vali like.

I like, well, that's on you then that's on you. That parts on you not being able to advocate for yourself as an adult, like if you can advocate for yourself and shouldn't be dating.

I know I would, I would agree with that assessment, but I mean, that's what I was doing. I was twenty, like, I don't know. Yes, Young, this was my first like relationship. And do you know this .

is what he was doing? Don't give me wrong. And I even closer offending. What he was doing was, but when we learn that you got a run and you can lean on family, you can lean on friends, and your mom got to out of there, so we know you were able to, but you saying, because I was in the for a while, i'm going to stick IT out.

That is just, I know at the time my moment and I we're not on good terms and like things were going and .

so he took your phone and and you just.

no, I told them every single day. No, no, I told him every single day. Now I get your phone so he, I I was an an atrial jobs because then through him.

he said you could not. Okay, the moment I hear that i'm done, the moment I hear that i'm breaking up, because that is controlling, that is up. And don't get me wrong, he is.

I know. But by the time we had gotten to that, I was already financially dependent on him and my mom. Like like I didn't. I SHE was in a person that your friends about .

anything that you have any support system point like .

the way that you're addressing IT right now. How on addition, right? That's how I think my friends are going to respond. Whatever I tell them, all things he's wait if the good things.

you know how to listen. The only reason I thought about the victim thing is because you said a mutio time. So the only reason your friends who do IT is if you did the, you know, cry wolf thing constantly, or if you came to them in this, mean your first time saying, hey, here is the situation i'm dealing with.

Can I crack on a couch for a little bit and, you know, maybe score some of the groceries for a little bit? Can I do that? Unless you're calling victim through constantly and then they're starting to realize away, just cause victim like and of course, they would support you. I won. If they wouldn't, then they're not good friends.

I agree. I just think it's a very difficult place to be in because.

of course. So I am not .

saying embarrass, of course, this is. But what's more important?

What's more important? Being embarrassed or someone who's literally stealing a phone and selling IT?

I at that point, like I did not think I was going to be, you know, in the world for too much longer.

So oh, you were gonna do the sword saying he was going to .

do IT you thought .

he was going to what? Do not go to the police?

I just, I like he. He didn't lay hands on me and I my mom came to get me.

oh my god is wild and I said, i'm very sorry of vento this again. The only reason i'm taking deep because we talked about you know, with like if you said this is the beginning, I wouldn't have do that is only because of the conversation we've had so far. I'm just trying to understand that and you are correct.

That was a bad relationship. He was a duck person. I'm just trying to understand that at that point, I I want you to get away. It's okay to be embarrassed OK, to lean on family that is OK to get out of that situation. And I need people, authority, hear that as well.

And I know that all now, but like he, so I was a lot to work jobs, right? So I wasn't paying my the fact that the.

okay, i'm going to fine. I will say you this to you, if you're significant. Others says you can not work. Leave that relationship .

absolute if they really going to kill themselves. If you leave, oh my, do IT okay. Leave them that decision.

That is not okay. Let's move on them because .

that but so he he ended up we sold a lot of my clothes and things to get money and different things like that. So then in twenty, twenty, basically, I had a everything that I owned had to pay off like a whole bunch of stuff that I had to playing on. So I started really rough on my family is there.

And then I was paying rent while I was living with my mom. So I was, I really difficult to save. So then I moved out here to Austin, and then everything happened here.

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This is a paid in org fancier by money, which is compensated by its marketing partners. Hold and hold and hold and hold and hold, hold and hold, hold and hold and hold that this cannot be correct. Hi there.

No, no, no. There is something wrong here. This can not be correct.

When is the time you get a statement before this thousand and eight thousand? And I try and I am seen estimated interest accused in flat statement fifty thousand two hundred eighty seven dollars, meaning this is doubled, doubled, doubled into when when was the last statement? Because that is literally what is pretty .

next to IT will be, no, this is a brand new.

They just sold IT. So are you telling me you born fifteen thousand gone to thirty thousand .

for this one thing? So I don't think so. I think that's the saying because it's a brand new like they just LED IT to them a .

listen estimated interest, a cruel sense. Last statement in the number of next set has fifteen thousand and two hundred eighty seven hours and eighteen .

cents was this year o before that .

I can see because i'm looking at this statement and all i'm reading is estimated interest of cruel sense. Last statement. And then that number.

I think all that saying is that like that, how much interest I have on the total loan because .

this was my the total loan of the thirty thousand hour one because the estimated outstanding, well, I made to pay off thirty thousand one hundred eighty down stimac interest are cruel since last statement, in fifteen thousand two hundred eighty seven dollars.

That.

and I don't know what the last statement is. What was the last statement you got was the original, was that when we are taking this.

I don't know how much they was. There are, be honest, OK I could put up please. Yes.

that has to be IT because all you borrowed was nine thousand seven hundred from here in four thousand two hundred eighty three from there on this long.

Have another .

account that's great. That's a different account though. I'm looking at this account. This account was fifteen thousand borrows, but is thirty thousand dollars old when in a accrete fifty thousand in the way IT possible. We did this because it's been sitting since twenty eighteen is because you keep going on these low payment things, allowing interest to the crews that are making any any attack or entries or principle. So you'll love you have to get fifteen thousand dollars.

When I was at my last job, I was making over the minimum payment. So when I had the ability to, I was trying to for how long? For how long?

About a year? Okay, again, we're talking since twenty seven.

I know. But I was in college then.

Like when where when .

did you drop out? Twenty, the spring semester of two thousand, and I stop.

So twenty nineteen, this has had five years to a crew. Even if, even if you paying decently for a year, this had five years to a crew. So I am not surprised at all that this is doubled, doubled.

which is insane. And do you know.

do you know that? How do you how do you not know that when three hundred and thirty thousand hours, how you know that some double you see there and you've sitting there and you're looking at thirty thousand hours in two thousand thirty thousand hours, you don't think that double didn't know what your baLance was when you forgotten. What do you mean? How do you don't know? Is double? It's a double.

The number I didn't I don't I feel feel that cannot be correct.

I T because .

I I just like the last time that I looked and I went like everything when probably like six months .

ago OK like that's not what .

IT looked like. Like, I mean, yes, I was paying.

Like what you did not look at the numbers correctly. You need to go through our debt class to understand your dead and how to go through your debt. Know what is good bad, how to utilize good dead and how to get out of bad.

Different strategies, you know, need to go through our budgeting program. You get all this for free. They are all bundled together for a twenty five percent linking the description.

But you need to go to them so that you know how to look to your statements, how to plug numbers and how attracting and are actually understand what your finances are because you if you didn't come to this conversation, you would know that this was double because you look at last time and you no, you just start as the Normal numbers. You you don't know how to even look at your numbers. So please go to the education. Go to the education.

And i'm sure that whole like two percent. I think I like a two percent right right now. No.

six months. No, no, no, no, no, no. I'm at eleven. Half of IT is at two at all weather. You don't even know, you don't even you look at the same, but you know you're looking at when they were .

with discover were like that.

I don't give a about discover. I literally only care about what's .

in front of I know but I just I have .

not looked through for why because .

I just saw IT like last month.

Why did you go last month?

It's stressful.

stressful. Be in late in a cream fees and having your lunch double. I think that's stressful. It's stressful to me.

Do i'm on that has the day look.

figure the IT gets more stressful longer. You let IT sit. I'm a little stressed.

I don't look at IT. Guess what? IT gets more stressful ful when it's works later. We have this long four thousand, this long nine thousand, this long seven thousand, this one eight thousand, but total estimated, because they didn't start there. This one started at seven thousand, and one started at seven thousand, and one started eight thousand and eight thousand. But total estimated interest cruel on the first one, two thousand seven hundred, four thousand one hundred, and that one three thousand on that one, four thousand hours on that one.

yes.

Literally a out per day per day. The interest curry, now that you ve got and most of them down to two point seven temporarily, but four thousand still at ten point nine yeah you're going like three hours day in interest, but it's gonna like it's gonna like ten ten to twenty hours a day in interest in like a month two.

I know I just add, it's honestly crazy to mean that it's legal for us to do that at like eighteen. I just think that's crazy.

How do because .

like you're essentially a child, they .

that's .

interesting. That's good.

You are, then you shouldn't be able to drive. Then you shouldn't be able to vote for the future of the country. Then you ouldn't be able to serve in the military.

Then you shouldn't be able to work at a job because you want to know how to advocate for yourself. If you were working with co workers and having employees, then you should be cottard by parents and shouldn't be a lot to go outside. You shouldn't allowed to go to college and live on your own. If you are a child at eighteen, you're going to advertize yourself. Then you have to intice yourself .

across the board.

You just did. That shouldn't be illegal because you are child. If you can't sign a piece of paper because you don't know how to read words, then you shouldn't be allowed to do all those other things either.

that you shouldn't be allowed to do IT without .

them teaching you about this teaching, you teach yourself, if you are expected to do all these others, you can learn how to read numbers isn't not like that.

Why there's an entire like each, and our block like an entire industry there, other than lobbying, is because they make IT purposively difficult to that. You have to pay people to do these things. Peter, make two.

But when I set up for student loans, I knew the number I was always getting.

I knew the the total number that I was getting, and I knew that .

I was .

going to be a variable rate much. I like a ball, like there is no classes for that. There no.

there no nothing you are on hold on first, even though they're not always the best, you can talk to advisers, universities that at least if you ask the questions, they will answer IT, whether or not they're tell you without you're asking that's different. And then other advice that high schools as well you can also have this um what is called is interesting little thing called google yeah it's it's really curious.

I thought I was gonna in a lab. How was the first make working in a lab? O OK, don't give me wrong.

IT is hard and we set up people incorrectly. We set up people where it's like you have to go to college. Don't give me wrong. We set up people incorrectly. But you're infante zing yourself again. I'm not fully against what you said, but the fact that you said you should be illegal because we are you're basically a child and you don't know what you're doing, then you have then you have to take that across the board. You cannot do all that others as well.

I agree, I agree. I would be like that. I think that you can step kids up and responsibility and give them more. I just I don't think amErica does. I agree.

you know, the process is quite bad, but if you're just emphasizing yourself, you know honestly, then this is like what's appoints is again, this is more victim stuff and that's .

what I don't like, right? Accountability then I signed up, really stood at loans. Ah I need to make sure that I pay .

you are good .

with the being an accountable yeah solution.

okay? So you'd be an accountable citizen, meaning that you pay your taxes.

I am finding them when I go home in two weeks.

pay taxes in two .

years and you don't .

even on a business. So there's not even like a good excuse. Ve, oh, I just kind of forgot. W, T, S, plug and play.

Yes.

the easiest thing that you could possibly do.

So how I did I file for exchange.

you're probably something that that you're out all these actual little benefits.

but you don't even pay taxes. Absolutely not. I'm not taking advantage of any billing government services. nothing. I use the smart .

but that's IT as anything like yeah yeah local subsidies house but he won't pay taxes. SHE uses the roads, but he doesn't pay taxes. If SHE gets laid off, SHE will probably file for unemployment.

but SHE doesn't pay for taxes.

If if there's a fire, I bet she's going to nine one one and request fire services. I bet if someone, rob, you probably call for the police.

they wouldn't pick A C P D.

So I feel like you probably um make exist. What if just to be more for IT like i'm just to pay more? Yes.

you pay penalties. yeah.

So are just .

making more money off of me.

Is you be responsible? That's what I care about. You actually like I do, but you didn't. Why haven't you for two years?

So I didn't because I had a file for an extension that first year, because I saw my connect attack, what you can do. insane. okay.

So I filed for the extension so that I would have time to pay them off. And then things got like insane, crazy at work. And I completely forgot about the octave fifteen and deadline until after I was.

you just have no response.

I lost my job and I was scared to file them because I knew that I still couldn't afford them. And then, well.

there's hardship p's decorations at that point. But what there is, google. My gosh, why does no one have the ability? I'm so clear if I once once I i'm about to tell you, whenever I have a problem that comes up and I just like I don't know what to do, I literally just try to seek some information to figure out what solutions there are you didn't even look to see if there were solutions. Yeah.

that's fair because I don't think that they were IT .

though that I how would you asking this? I will never understand that so many people on the shows is like I didn't I didn't even try to find out if there was anything. I just not a question I need to ask.

No, not even that question.

You wouldn't know that question and that's fine. But looking for solutions, you would have found the answer.

That's fair. That's fair. yes. I just like, I was just like, no one. I yeah no.

they're only seven hours left in my day after we did the math. A but i'm too tired. Walk and possibly type something into a search bar.

I was busy. I guess I busy. You had extra time.

Yeah, I just, I guess whatever you.

what do you out the region?

Six, three, seven days a week?

okay? Yeah.

you will probably find them.

Yeah, unless the .

other whatever, five to .

seven hours.

whatever was we determined you're at a restaurant. What what in surprise me.

I mean, yes, in some of that time I was doing like three things, but I I know like free.

like free time thing. So finding your taxes, how much you, how much did .

you know before penalties?

I A. This is all you back old? Yeah, you are old .

for the two because at that very moment, I didn't have the thousand dollars to pay out for the extension. Be able to save up for .

the doll table.

Sorry, OK. Um I so I was like, okay, i'll be able to save up for the thousand dollars and then I I just, I guess, fell off. I wasn't responsible enough to make sure that I completed IT by the .

deadline and then .

I rolled into last year and probably all .

like a thousand two hundred or .

something.

probably. I don't know.

I thought that was going be crazy. And then I read on the internet that like, they come, like theyll put you in jail for the third year, so break. But my mom knows a tax guy there .

are ready XO OK. I mean, the higher rest would much rather get their money than put to jail. Trust me, there are actually quite chill if you work with them.

Oh, okay, yeah. I got like, really stress out. So I was like, cooky, mom, we have to deal this when I come on.

You're toy sex. Where are we still rely on mommy to help pay taxes just to make sure that.

like, i'm doing everything right and he knows a tax guy .

I O connection, literally here you could have a cpa that would have spend like got five minutes on this.

Probably yes, that but they cost.

they do. But again, they, oh my gosh. Okay.

disk.

we have discovered card. Yes.

I do have .

a discoverd. Yeah.

yeah.

So it's, what do I have to punch right now? This is crazy. It's.

it's over max style. It's, it's over maxed out x ed out for a while.

What's a while and why .

least three months because I keep putting large amounts on IT, keep heading .

and taking IT over. So put an payments.

The interest of way the math works as you would still still make progress even if it's like five dollars of progress IT wouldn't have put you over. You had to have spent on this or you or or you didn't pate towards that. And then fees happen and fees will push you over. But there is no, no way you were making the payment and you went over. There is no way, no way.

No, there is not. 朋友们， i think not .

on this card. There isn't one of those cards that give you fees on a monthly basis. There is no way unless you were .

already over IT maxed out. Well, I was unemployed, so i've been paying like large amounts to if .

IT was already max out, that's different.

yeah. IT max out. Well, I was unemployed. What i've been putting like three hundred, four hundred dollars towards, and then at the end .

of the month in, and i'm still over the one hundred hundred, again.

three hundred four, two hundred.

two hundred, two hundred, two hundred interests year so far. Is there twenty five, twenty two, four person entries, right? Which for most create cards on the show is. And actually the worst is, is usually like five percent more interests here. So far, thousand dollars is allowing yourself to get why this makes out to begin with.

because I was unemployed. So I was putting like utilities and like groceries and things on IT while I was unemployed.

You are employed for three months plus you had five thousand hours. And confused, you're spending much out of stopped.

Well, I also like I was I had the fifteen .

hundred .

dollar rent at .

to get that .

was the entirety of the rent, so that was fifty hundred dollars. And then I had to pay for movers because I have, I have medical problems, I can't move. And if my stuff now, I don't have anybody that could, that could help me, he would rather pay for IT than to do IT.

D I I have herded disk and a few other things.

so so I have issues with I I can't Carry waits and you know walking and standing. So I was in a wheelchair for most of like for a good like last year. yes.

So so i'm part of why i'm struggling is because like I used to work food industry, right? So like I would just I would just get attending job and pay all this off. Like that's what I would do except for the fact that like once a month for like three days I I cannot get out of bed because I can't walk. And then on top of that, like it's one of my backfill res up, I don't really have a choice .

on when he does.

If I B okay, I think I just I had I i've looked into things around town, right, like planet k and just things that would be more chill and that would maybe be more willing with my issues. And I just like they don't want somebody that can work the hours that I can work because I work to six or nine to six and my current job.

So yeah, like shift.

okay. I mean, I would be open to that.

It's not gonna a great paper. This is extra. yeah. If concern is actually paid down the dead, I must you read your life and your brother.

Not anymore. I haven't all for anything, having taken any money for him.

june, but he got to the car is his car.

He owns the car and you .

drive when .

he he takes public transportation .

to work and .

then you make, well, that's fine, but I mean.

that's okay. And with how your brother.

I don't know .

what you'd be doing in living in nedcar.

That's why he he didn't want me to have to move home, so but he also didn't want me to move in to his place.

What are we affirming? I have a firm switch. Tal.

yes, so that is my retainers. I conch my tea so hard I break them sometimes. So I have a very fancy I have very fancy a uh retainers top and bottom.

But um I mean like my so my brother does still pay for like going out things whatever we go out, but that's because he wanted to do things. So that's how he's like he is planning on setting up a bank account and putting me as like a on IT. So for so because .

he he I .

know of all the things that are going on around town, so he would rather me to just buy the tickets so he doesn't have to call and then just be like.

hate going to this so weird he.

he, he's a drink, like he just said, he has so much spending money, he just.

which is great, maybe he should spend IT.

It's weird and is weird doing things. Want you with .

that that the account things is about weird where he is going to give you a fun account like.

no, no, no, it's for me. No, it's it's for events that we are going to together.

Like if we home table were going home.

i'll buy the tickets and it'll be through that account. So then i'll just sent him the military. He doesn't have to worry about a type of thing.

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That means the four point two treasury becomes over five percent. Take a back of the last opportunity to lock IT over five percent rates only with silo at the link in the description below. Now let's jump back into the episode. So so personal assistance.

assistance.

Yeah I okay. So you owe two hundred and eleven dollars on the swish dental at twenty three point one four percent interest rate. So may this will be a regard. yes. What's the minimum?

Um it's seventy eight or something like that like eighty dollars I have IT was .

seven hundred fifty. So we're almost done with the year.

It'll be paid off in january. That's the last payment. Is I different IT at one time?

why?

Because I didn't have the money because I was because the unemployment.

But not having an emergency fund is an emergency. Why would you try to get fired before having an emergency fund?

I couldn't stay there. I if I could stay any longer, I went have, I wouldn't have, like, ended up in the situation, but I could.

And you can tell me is.

yeah, I have too many N D S.

And things, but OK so these federal student loans.

yes.

I believe so. More student on, yes, kay, oh my gosh. Yeah, thousand other discover.

Well, these interests .

tes are lower, but we still just have so much. So it's these are .

income .

sensitive.

Uh yeah so there are um subsidized and unsubsidized .

oh that you're not making anything because the income you know what that's done to them them oh the .

interest is probably insane.

i'm sure. Well, even though the interest is actually low at two point seven four, they've gone from fifteen thousand dollars, seventy thousand, one hundred sixty one, because you just doing nothing. And the thing is it's being changed in court.

So this kind of status could be thrown out, who knows? Or you know, different administration comes in. And I say the person overseeing the department of education more pink roped the ball. This is so you're just putting yourself in a risky situation if you don't necessarily make bad money is the thing either. So you just so loving yourself for no reason.

I putting IT towards IT.

Would you like a hundred and five dollars what your payment, what we could have done that for the traditional tenure payoff?

I mean, I think I I would love to start paying on them. I'm just putting more of IT into .

the private just because of my cosine. Would you .

cosigner, uh.

is my mom's husband? You step, okay, so you look what you we .

don't call him that my sister has, her dad is technically we call him the her husband .

and I was like seventy, okay, two hundred. That you leverages student loan payment on the private sites .

of what you're things incorrect .

because you have your job now for the i'm trying .

to get there again. I'm trying to get get back to the tip in and all of that. But but you know .

of me about all this. And what I just don't understand here is we have all these situations and we have relatively easy way to get this. But there is one thing, if you hold our producer that just graves me L N A concerned way.

K specifically said, quote, I hate David ramsey. I do OK. I do what .

this is .

so simple to get you out of. This is little thing.

so why I I concerns .

me for this.

I don't like how he like comes after people morally. I just think about like .

he is kind of like a gramma person .

yeah like OK you .

know he literally means beans and rice. That means don't go out to each year. dump.

Yes, I know that my mom is obsessed .

with him. Litter, if share successes, and he knows .

is not literally, yes. So we used to listen to him in the car though, like we SHE would put on that show. And Laura in all of that, right?

And it's just.

I know OK she's another like radio person, but like they are just it's just him like, like yelling at people and like, yes, like person or the being like, you shall not be living in the house with this woman's daughter blob, a black. What does I do? Do how to do with his finances?

Yeah, you are. So the .

social things yeah.

you're talking about morals. What morals are subjective and I don't care whatever once morals are. So as long as not like a room in someone else is life. That's all I care about. But you don't think morally you should have pay that that that you signed on your .

eighteenth H I absolutely. I do think that I should back K. I I think the future people should have the government once waved. I don't paying on mine.

And people, what's the wave without changing the process? I got the first.

I agree with .

that too OK. So change ah change .

the structure like everything. absolutely.

And i'm confused to see that also what he .

that's also what he says. I know I .

just don't like the .

way he says that. I think OK you just don't like you as a person.

Think OK that is fine.

Don't think that my mom's interpretation of his beans and rice is very.

he might be stupid.

I don't know. Like SHE yeah. But I I understand like not eating out and bad is a reasonable request, right?

But next, the only the time you see the inside a restaurant, if you're work in .

there is pretty this .

is really 我在 干嘛 entertaining 哦 yes。 So yeah.

I just but that's even even even whatever was working at fast food restaurants, you end up spending a lot of money whenever you work at those places.

If if you're undissolved sure. okay. I mean, if that's if if it's not about the the pay off the dead thing, then I don't really care if that's what concerned me was IT was hearing that you said that is like how are you going to get a dead if you're not willing to follow pretty dam basic debt pay off advice?

I think I can I just don't think I can take that from that man.

okay. No.

I don't think that's the source that I can get my advice from because i'm just going to be like.

you know like I think I do yeah I get up that also just sounds so like ah almost a little virtue is signaled in certain ways because it's like there's people that I don't grow on everything. But that doesn't mean that their advice also isn't good, like it's it's bad, it's IT gets really weird as a society and very twitter brain diff. You don't like one thing about someone means that we immediately dismiss their entire existence like that is so twitter brain.

I think that it's reasonable to say, because this person has views that I do not agree with, I am going to go .

in questioning.

I did say that I was a little IT might have been a little intense I think maybe hate is not the right weird I think um I dislike divers. Z I don't like his influence on people of a certain age.

maybe well, but he hasn't. He helped like upwards of hundreds of thousands of people play of that. I'm sure he's talked .

to a lot of people. I don't know the that on how many people is actually helped.

The people that have listened. You just don't like the social aspect of social views.

Yes, I just don't I don't think I.

I like this social.

I don't a Better old school.

Yeah, he's a little too. But oh, no, I just I just don't like the idea. It's it's a very new school that is just like if I disagree with a certain ideology from someone that everything they say is wrong and that is a so counterproductive as a culture. It's so image. It's an image world view.

I agree. I think it's more I don't like the things this person has to say, therefore i'm not listening to them. Therefore i'm not like i'm not getting into that in the wave that you know him, right? I'm only listening to the radio show, hearing him yellow people like, wow, this kind sucks and then my mom just repeating IT back at me, like forever while I was living with her, you know? So then I was perpetuate this thing, my head around, like, oak, this guy.

why I don't care enough. Checking account, four hundred seventy and .

the bounce.

okay, lao was IT .

was IT stupid little student .

probably was .

like less than five dollars.

I'm looking at every single second of your life spent on both. And you come in here and you're try to say that you're try you come in here in your question why you were unable to make a payment. You come in here and you say he had a lower payment because you don't have enough money.

You come in here and say that the world is against you and all the stuff doesn't make sense. All of this is bulch going the potential garden. Amazon chinese, take our amazon check the lay ubin target. You have your brothers car use IT the target is rarely ever groceries we find on the show. J W mary, also C B D gray apple bill chik fully y chick for lay netflix loss gotow that might .

to be like my name on IT.

Is that your name?

呃， i don't.

Is is your name of Scott? S, no. Then.

okay, I don't know what mean .

you can sing chick full lay thunder chef home goods. Chick full lay fireball cafe prime video, going in and getting some poles too high, I don't care because you stupid the other half dispensary wonderful playstation network check play, then moving out thirty nine dollars, then moving out twenty five, then moving out fifty words, all that going.

So my friend paid for my ticket to .

go home and and now go in and get instance. P, S, barry bend, spotify can listen ads, if we literally can't pay our month payments, I promise torches over more dispensary. Get nails, the pails shake, american eagle. It's all stupid balls, almost solve IT. The necessity pull in here are rare and far between.

I don't think I have them.

It's all the necessity. Bls, yeah, then you're really good child, because it's all both. fuck. It's often, can I want to post guys?

Well, I just stop eating out. I'll be totally fine.

And all that extra push, all that extra post play station network prime video on networks, all the extra rap, the spotify, the anyway now and all this stuff.

my friends, me back for the prime that's supposed to be on fully.

fully, fully folly. Prime, prime, prime video.

Prime video was A P. A. Three months.

but made .

me back all Better .

be SHE can Better be so you're .

spending is .

out of the control IT was seven hundred fifty hours and both, right? Yes, i'm not mistaken. Going to eat to and fifty.

I don't shopping at target amazon. We don't know if that was A D A box subscriptions. Twenty nine missile is both. This was the gardens of dispensary, apple stuff, home goods, prime video, placation network.

apples, f, one, T, V, prescription.

stop, then nails in american eagle. That's all four hundred and twenty eight dollars. Then other large purchases has been around seventy five and hotels of forty three.

Come on. So as a stupid, I don't get IT why you have an extra seven hundred fifty dollars left a month. Let's take one hundred away patos that two hundred and you did for groceries or for that would give you extra six hundred dollars. I get only you have to do the budget, you have an extra six hundred dollars left to go towards that.

But that's before we're adding in the the student loans coming back, right? Because once we do that.

that's that's zero out.

What does he go to again? Um I was paying IT was I was putting three fifty on one in one on the other from my student loans.

That is zero. So you're saying that goes from two twenty to five hundred. Just saying that equals six hundred.

Thought thought I was six hundred.

You think the difference of doing two hundred.

twenty and five hundred to six hundred dollars? No, no. I thought that I forgot that they're .

charging the full amount for one of. I don't even so. Okay OK OK, what does that bring this down to? What does that bring us down to? Let's do some basics.

Three hundred fifty dollars you would have left over if you cut out the missile. Is table eating now only. And even if you still did, the hotel in the venom still included. You probably have an actual four hundred dollars, four hundred dollars, four hundred damn dollars is so easy.

I mean, that's a recipe. I thought I was going, na have less money than that.

Let's see what's rent?

It's a ten forty.

What's your utilities?

Um my waters metered. So usually all of that comes out two, one, ten plus like the patron .

and all amity and the, come on, including internet, what do we got? Including internet? Okay, very good gas from from drive.

drive me. And how much you take .

care of currently sell seven, five OK. Yes, your brother spoils you. Total death. Let's do IT after the payment goes up on just to see. So we call the total that seven eighteen course.

The tone for the dollars last right now to seventy years, but called seven, eighteen good T P funny thing else, you need to survive. This is one hundred dollars um OK a three, three, three hours fall the meal meal prep in our debt program. Not are that program or budgeting program and quick to your needs.

Yes, two hundred fifty dollars is enough for a month. We've done IT. We've done IT.

We've proven IT the H B. You just meal prep. It's called meal prep. You have pets. You said I do.

How much for pet food? I mean total for like her litter and everything.

Maybe like fifty OK get at thirty dollars. Okay, anything else? How copays?

medical? what?

What I do .

have a cope. My doctor's appointment a month kind of vary. I would estimate .

two hundred.

No, no. Two.

what points? eight. O, K, for the dispensary, just medically necessary.

One, fifty.

Taking in fifty of that from the tp fund. You're going to have fifty for the tp fund that i'm giving a hundred there. So hundred, okay? Anything else you need to survive? Nails.

make up, whatever.

Yeah, I .

gave you fifty. Oh, OK.

yeah. Just about what we thought. And three thousand forty comes in two thousand six hundred eighteen to survive.

Four hundred twenty two left, it's over what I said exceeded all the exceptional kidding me. This is okay. go. You need to work as what I know.

I was just going to say like i'm I I like have mid mobile and all the different stuff, like trying to make sure that all those costs are low.

You oh what is your phone bills, sir?

I didn't have the um I paid like three hundred for the year, so nothing.

So the discover card would take thirteen months to pay off. So if that is true, then that means this whole process with the federal city loans, I have to get on a regular payment planned when you're ready for that for the affirm, five, five, one, six with the discover. I mean, I still gona take too long to pay off for my comfort, eighty five months, because that, uh, privacy is not, is so ridiculous, which is seven years.

So that's unacceptable. What I need you to do, go bring next two thousand hours. Month.

thousand.

Yeah, you can go bringing two thousand hours. I promise you can in Austin. I promise you can work around your health.

Uh, I I don't know, I listen, it's all everything is always easier said and done. But I know for a fact and go find in a thousand hours a months post x year. awesome. I know for a fact go work at summer moon. Okay.

but that's the thing. I can't do those things like i've worked in a coffee shop or I can get too heavy on to those levels. I can. The up and down is so physically, yes, because like they store everything OK.

So you need to work within your means. Yes, you might have to do calls on or sit down, bullet administrative, maybe even it's like ten box an hour, okay, which is a low for Austin, but maybe that so you just have to cater to in order to get IT. But go you you need to bring in a or do you want to pay different eight years well having no fine oh my d yeah no um everything but your federal students that the private student and .

discover carding your firm I mean that long .

yeah yes that's too on for no one to have no paid for fun you we won't be able to sustain that impossible you would .

know that's fair. Okay because I I guess we're not giving me like any entertainment or anything, just fifty dollars yeah .

which is usually just life stuff but governing extra thousands of a thousand four to two a month goes for IT. IT takes twenty five months. We just went from eight years, go to two years, come on.

And two years you can one hundred percent to be twenty eight still Younger than me at that point. okay. So you can do that call in another a quarter, three quarters of a year to get a fully under the mercy fun.

So I called three years to be conservative and boom, you're based if you have fully funded emergency fun, so you don't give next time that you don't have a job, have a only emerge fun, you do have no bad that and you start max and authors retirements. But first, yes, I just stop in a child and you've been a child to a lot of this conversation. And you just can do that as as simple as you just can do that.

And i'm excited to have you on the follow channel and see where you go from there. But this is, uh, you follow the budget, go to the education so you know how to do all that. Go get an extra job, bring next to five hundred to one thousand, and recommend something called a three year thing your life gets to basic, and then you can start contributing twenty five or twenty percent of retirement, thirty percent of fun and fifty percent our needs, what you can do in your current situation, even still right now.

So this is pretty chill that the goal, get money. You can stop the actual job even if you're making what you're making now, what your income will go up. But even if you are, you can still stop IT in the fifty, thirty, twenty.

So okay, hamer financial storm, stick around for the power. Some of the stuff that we weren't able to talk about and some extra drama and things that we don't know the people is are going to come and they're going to bring IT up. Make sure you subscribe to the membership below helps out this channel a lot spending in a budget yeah broke even money actually wasn't spent on debt but more money should be going towards that.

You spend hundred fifty minute like hundred um i'll do three other ten there debt not paying your taxes. You're at ten yeah include that in two thousand hours. So the first months will cover that emergency fn savings time retirement. So any I think .

that my old company liquidated .

IT wt ouldn't IT. It's a sitting .

yeah for you to .

transfer IT or did you liquid date IT? No.

I I didn't do anything with the check.

Take a look. I don't know .

how much a two hundred and .

you very behind the retirement real says you're at ten feels like a stretch .

at some point.

not now. Every financial score isn't for worries was to be for your age. Worries was to be where you're trying to get to.

It's about the journey. You don't you don't have to put a healthy for a good overall financial situation. You don't have to. But IT is good for IT. That's because .

of how they make IT.

what who make like the way .

that like the whole institution is set up. Is that why IT is good to go to retirement .

without having to pay for the roof your head other than property taxes and insurance? Also a good way to utilize that. Say you put down twenty thousand hours, all sudden you're getting uh four hundred thousand hours let's say of the house is worth that four hundred thousand hours is a crew in the game in the marketplace even though you only spent twenty going down.

So good as a separate conversation, we will say that for the follow up, you're not area amir financial school rounded up one hundred ten check out all of of our education is all bundled together right after twenty five percent. Often that's limited. So make sure you guys check that out. Now get around for the post. I N big.

Actually we did measure at one time like six and a half more. So like not like but we're not giant.

You do not have a sick in a happening. Don't even when are you being serious? Below I guys, I get that you need more financial audit.

So we've decided now in our membership below you get too exclusive. See nowhere else on sense, financial auto every month. Again, three hundred eighty four came in from your job. How much do you think you spent? How much three hundred and four you .

don't think you spend over.

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