Tax Evading Freak Disgusts Me | Financial Audit
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x etf financial week earlier youtube. cards. So one, so much money being spent on here, dude.

I don't know why the minimum because .

you are pay that. What do you mean? That's what happens. I think you just now.

Hello, my name is adam. I'm thirty two. I live in Virginia beach, Virginia. And this is financial audit.

Next are coming down to awesome. What do you do .

there for a living? Ah in Austin, oh, in Virginia beach.

Sorry, what you working? Well, you're here.

Yeah what do you do? I could be I work remotely um in Virginia beach. Um I work for a company that basically does tech solutions and i'm pretty much just software developer.

soft .

developer. What you making? I making .

one of seven.

five a year right now, but my wages .

h they guard from who the government .

is there anyone else?

Okay, i'm assuming for taxes.

Yeah what are we not .

pain and what what is up with? What why? Why is one on the show obsess with like, hey, there's taxes to pay. Let mean .

not um well well way is .

the taxi could .

be stood on its tax taxes on my handle C R, V White .

you're being garage for text on your hunter yeah I kind i've actually .

never even heard that honesty .

of property taxes that when .

I heard yeah the property that is on hunt so .

yeah 啊 OK yeah yeah。 It's .

interesting how .

much is old when you pay IT.

So I think it's about two years. I think it's totals about twelve.

fifty, one thousand, two hundred .

and fifty dollars, one thousand and two hundred fifty dollars. Yes.

okay. But when always and like the threat of garnishment came up, why would that not be? Like, okay, maybe I should just pay them.

Well, the threat of garnishment didn't really come up. IT was more like now being garnished.

Okay, they just pain that have been gardening shed. You make money .

yeah but like but .

you make money.

I don't know how much .

are a mai know .

if i'm already maybe and you know like small payment, I I just know that this is a drop in the bucket compared to what are going to get really .

so like so yeah as a garage man hit ah .

no so you just .

got notified yeah .

I got mailed to my working and IT .

doesn't say how much more details or anything .

no that I saw I .

had payroll five thousand and seven hundred and four I said .

about right feels a little um I I feel like it's proba closer to if if if we're doing just like every like two paychex a month. Maybe um i'd say probably because of forty nine or fifty nine maybe I think okay closer .

to fifty nine hundred so we're only .

a couple .

hundred office. So els below how would you continue for okay, how much good tax in Virginia?

Uh four one k um not health .

insurance.

Health insurance. Yes, I do.

Do you have like the top plan? I just .

seems um I like the top plan for next year um but I do not have the top plan. I think there's only two plans and I have the one that isn't the top.

okay. So within one hundred box a month and we don't know it's gonna garny, i'm just confused why I want to just pay and actually right except something still, how do do you think he's spent and you think he's spent in the .

same more time in the last month?

Yeah in the month that we have your statements from, again, five thousand and say five thousand hundred, why what do you think .

was spent from my check .

everywhere? Spent everywhere from anything?

Take up my total close OK. Um yeah, maybe I put in the wrong.

It's fine. I just if you're going to lean back, take the bike, do this.

O, K, O, K, O, K. Um so I .

want to .

I am thinking for the last month, probably maybe a little bit more .

yeah go on game .

over maybe like sixty .

seven thousand, three hundred sixty. So now not paying your taxes, like why you sending someone more than to bring in again, you don't signa single houses income .

yeah I have a romae. Oh, okay.

but okay but it's not like no significant no and I don't .

but a rome okay.

There has even with the roommates in a relatively strong income, sounds like Virginia uh, I know know about Virginia beach specifically, but I know virgina can be a bit expensive. Yeah what's your mortgage?

Ge payment is literally only like twelve.

okay? Well, I mean, yeah IT easily fits in your situation. And then you have a rumor 我 这些 人 没 giving you。 So SHE .

has asked to pay me in the past, but I I don't know. I don't feel comfortable accepting why is .

SHE like no limbs or something and you just feel terrible if you did IT.

I just feel like SHE worries about money a lot more than I do.

But even if he chipped in like a few hundred box, at least contributing.

you providing shell SHE has like medical, like I like medical school loans. And so she's gna make .

money if she's not done.

but she's, yes OK well, honestly.

that's your choice. If you want to that, that is fine. It's your place. What but. Thousand and five hundred dollars .

more than spans. yeah. And I you uncaught me about IT.

So what they paid do, what do you do? You get weird?

No, no.

no, no. I get like weird rent.

No, no, no, no, no, no. She's just been of my friend sand. I was like twelve so I she's been .

your friends and how long I ve together he lived with you. I mean.

yeah you and two or three years like SHE SHE stay with me .

for over a .

year when he was still studying for her step exams for medical.

How much do you want to pay you? Different .

numbers have come .

up medium.

So she's mentioned five hundred and then I been like, I don't know if I could see myself charted her over hundred.

over one hundred. I just feel like she's in medical school right now. But yeah so she's probable earning .

in medical school. She's actually first year resident. So so .

she's making money. It's not substantial, but she's making money.

but SHE like wants to pay off her.

I don't give up what you guys do. I don't think I don't care. Yeah this is pointless but like she's offering in your finances, you're not you demanding she's it's different.

I just have like a really hard time. Um you guys .

don't have any weird relationship.

No, no, no, no, no. I am, I am actually you're not deeply actually, ara, so explain .

that .

me romantic, sexual, I am not interested in by .

any stretch O I heard right this.

especially her. No jokes.

jokes, jokes. yeah.

I just have like a really hard time when I know that people are worrying about finances um accepting any money from them. So like I had a dinner with her medical resident friends who are like my friends now too um but basically at the end of the dinner they tried to like split checks and stuff and IT seems like IT was gonna be like you know stressful and to that I mean, yeah so I just I ended up just like paying for everybody and .

that are you easily cultural and manipulated and .

they don't but my .

issue they didn't in general for you though .

history ally, not the greatest .

thing is i'm going to the warm heart. Totally good, totally good. You spent a thousand and five hundred doors more than you brought in your wages. Again, the garage can pay your taxes. So I don't think have a warm yeah and that kind of context you can you have a free warm time but that words causing .

you money .

pay for no IT .

was IT was four hundred um for my roommate. I also always pay for meals when we go out. And sometimes we have like pretty pretty expensive taste, especially for like an D C. Um more new. You you don't .

get those options anymore. okay? I just, I want to see, I want to learn about that.

Can you give me a self access where think you are today? Financially, a scores year tens, you are being the absolute worst, tend being the episode. But where do you think you are?

So I did do the online thing yesterday, IT said too. But uh, I know it's that one. Sorry, but I feel like probably closer to a three because I think I have options maybe and I do make like a decent .

amount .

of money in the grants game of things.

I okay, like what .

like i'm I think your a but .

I think you're a conceptual to the sense of money as well.

I used to be really good. I really was um uh few years ago I went on a medical leave of absence from my work um due to like really bad depression OK. And um at the time I had probably about sixteen thousand dollars in my savings.

Um I was paying everything off perfectly on time. Um I wasn't budgeting. I wasn't like contributing like four one care or anything, but I was doing much Better. But following the medical leave of absence, I kind of like, I was just like kind of throwing everything at the wall to see what sticks as far as like things to get me out of the depression OK.

我， all right, I spent.

I spent a lot of money on, is that .

where the dad is?

That's a lot of and if you guys want to .

have financial scots free, linking the description below, if you want to come on the show, here are some taxis, you know like weird all over here you can um you know kill him that comes to apply exciting times. All right, let's get into yeah let's go in into the money figure out. How would you say you've been in that thirty two years old? How would we been .

in this situation probably the past one and a half years?

This is a lot of day for one and a half years touching for someone that makes so much money.

I A I say.

well.

well, I will if if it's okay, so please. Um so I did get a race. ninety.

It's still incredible. Median household income, the united a households income is what? Sixty five?

Something like that here? Come on, come on.

Five thousand, five hundred, eighty thousand and eighty cents on the capital of one quicks over card, the hundred great. A one hundred and eighty one dollar minimum payments, not insignificant. So this is, this will always give me, man, I really don't get IT. You probably want to pay off this card.

right? Yeah, okay. If you want to pay off.

why are we purchasing on the car? That is a cruel interest that you are not paying off. I will never understand that, especially for someone that has strong income in, can spend their money with all pretty a little .

marriage for their income. I feel like the capital one cars, they're both quick. So the way um I feel like I haven't been that much. Why would you spend a cent accent here.

one hundred thousand, six hundred and fifty four cents of interests of growing? You spend the hours your bow is went from five thousand five hundred twenty six dollars, only down eight dollars, eight dollars, even though you put one hundred and eighty four dollars to IT and had other credits of almost ten dollars, yet only eight dollars actually went towards the net because you're spending. So I don't care with a lot of money.

Why put money towards that at all in terms of spending? I'm someone of a budgeting master myself. So when friends and family are going abroad and need help with travel budgets and the guy for the job, and you know what's a crazy charge, I see every single time and same at a rome fees or what I call to keow abroad, you do I know of any pain or armenia league just to get online, and i'm sure you've had to do the same.

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back in today's um I think I I think i've had like some subscriptions maybe on .

IT okay kids on the deal .

description, I I think I i've got in rid of .

some tokyo.

japan IT was this what was that?

Oh you know what that may be a five hundred fifty or purse or exchange, right? Is this .

is is this?

I was in twenty four. Is that finance though? Is that a purchase .

that's financed .

with a fan box? Tokyo, japan.

okay, if it's just like smaller payments um for the fan box stuff that was like our tutorials. Um I think there's also patron which is like japanese.

Yes, there's a Better on you not subscribed our power to money, money with much more value.

No, please.

you can your situation stupid. I A even still one thousand four hundred fifty. I was that? yes.

Yeah.

because he has the us.

W that's why. Okay, who three three .

doors eighty and purchase and ten doll, two cent purchase and a twenty doll pharmacy. Y A five thousand patron.

So I I just only other pharmacy thing is from my um treatment .

wonderful on a debit card.

I don't I I have to talk to them about IT because they are the ones who yeah update your car.

Do you get update your card and anything and everything .

yeah I can do that. I can definitely do that. And the the patron and um fan box stuff is really I don't even like use them anymore. They've just like kind of been sitting there um from what I thought I would be doing art stuff or more japanese stuff and I didn't.

So what what what were you?

Onna too? I just, well, so like I said, I after yeah during the medical web o absence even I was really trying to like the stuff at the wall. See what would get me out of my death. O, I like three thousand doors on a welcome drawn tablet, having no digital experience like at all. Um can ask.

um what's your social life like .

my social life, it's it's pretty OK. yes. I Q I co run a japanese language matter group and origin the beach I .

look like you'd be in the japanese well .

is IT the shirt? Is that the hair? Is that the, I don't know.

a general uncut? T IT is in all of you. I go get .

with you OK I don't fish, but um yeah um I I do do that and then I have I have friends OK sure I don't really .

ask them .

to do stuff very often because I feel like a lot of them are like in couples. And third.

we will join IT mom.

you went O, K, I just feel, I feel like I don't know. I feel like i'm being present cious if I try to insert myself and do anything.

But I mean, I mean, I don't know. People need to be more forward. I don't know. They should say, you should .

say and just .

asking like hate you guys want to go do that's not insert yourself.

I feel bad if they don't want to, but they say yes.

and I would say yes, they don't want to. What are your friends and your friends just out of sympathy? Are they or they your friends?

I mean, they are my friends.

All there you go. yeah. So it's fine.

I just feel like I say yes.

OK, okay. Well, I just wanted make sure, you know talk about depression. You know just I just wanted make sure just kind of where you are at in life, twenty nine dollars of fees years. So you probably had a late pain with this year so far on this card, then five hundred fifty five dollars of interest this year so far on one card.

We're going to many it's the whole year hearing that a good.

Do you not look at .

your statement? The I look at the individual statements, but i've never so you .

look at the statements, okay, congratulating. And why are there four purchases on this damn card .

if you look at the statements .

is subscription no no even all there was the five doors subscribe but he was looking at your sorry ah six thousand six .

purchases oh five .

purchases even if you but if you're looking at your card, why would there be purchases then? Because you'd be informed on your interest, you would be informed on payment, you be informed how much is actually going towards. So why is your purchases here? And so what .

what I feel like happens is like my cards kind of turn .

into black boxes OK bed sharks.

Why would .

you need them? You make good money. You required living .

expenses .

dollars. That's different. But you don't I don't think you would need them.

Yeah, I don't know if I can get down to fifty nine hundred. I don't I just don't know because if i'm spending like seven thousand like that sounds like .

but spent a thousand hours on going out to eat, I think we have reached the cut. That is literally only one category. This is the video games could be the japanese scratch thousand, one hundred twenty two dollars.

The purchases unknown. Shopping that's typically amazon or walmart don't really know. Five hundred forty eight dollars. There's things to cut, although large purchases, six hundred ninety six dollars quah.

yeah. Like the the food stuff is like this.

This is thousands of dollars stuff, almost three thousand, three thousand things.

I tried to like me problem. I, I and i've done that like one weekend, and then at last like a week.

So you're lazy. Yes.

that's true. But I also feel like I should make enough money to be able to .

do this and actually have the budget.

I I it's more like, but I didn't budget before the medical leave and I was like completely fine. I was like.

worry you that what you know if you aren't budgeting.

no, I was I do you know because I had like everything in my head, like I didn't I didn't budget.

so I changed what's .

different um I think I think the depression kind of um OK well reduce a lot of confidence and like it's made IT. So like i'm less confident. And just like what what i'm remembering i've purchased and and so I probably should be writing IT down, go through our budgeting ing program.

go through our our new debt class, going over the best ways to pay off your dead and the best way is to utilized that as well. The other dead classes they don't talk about that we wanted cover both parts of this kind of right now thirty percent of thirty five percent of um make sure you guys check that out link in the description below but go through those, you get them for free.

So go to them, build a budget of all the meal prepping, use the debt reaches. And we're going to go over that in general in this in a high level way. okay? Twenty eight point two four percent interest in this.

Yeah I think both of them around twenty .

stall and one twenty thousand hours for what you're right you probably could go do that because of the money. Doesn't ter have twenty? What and what what .

what is on the theory? What is your car? Yeah um and I feel like it's probably worth more than that actually is worth .

seven thousand hours more.

I don't really drive at a time.

Might you is that I position end of this .

like .

you going to be inconvenient but thought right now, what's the .

interested in this for the that one I think around four.

Not too bad. Five hundred, thirty three thousand minimal payment, forty two cents. Well, yeah, well, you have an equity position in the car.

Talk about.

figure out what we want to do. Is this a navy federal? So if we have a .

credit card with navy federal yeah they give me a very hi at least by my estimate. I'm credit them at um your business is orders .

yeah yeah your most maxi le 在 20 these cards insane twenty three thousand seven hundred and twenty hours and fifty nine cents the car payment is four hundred forty nine and six two thousand .

and yeah interest we purchase thousand .

six hundred six dollars on there why this is the bad card we know is many cards。 So why once so much money being spent .

on here? Dude, why so I I use IT or I have used IT for all of .

my medical stuff. And then the federal data negotiated hospitals for pain plan percent. One of .

it's it's not really hospitals. It's like like psychos.

S P R A V A T.

yeah. Which I think I should be able to stop.

What's your house insurance like have you not .

to your deductable .

this year that .

it's yeah it's very.

Shut up. sure. You guess some stupid little pizza in hot your .

historic historically .

i'm getting by the statement, yeah, I S pastures right. This is a historically high credit card. Twins, three thousand hours. That that is insane to be going to getting honest pastors on there. You're good on cared yeah that .

the only be in place in the area just go .

eat some knots of the ground I don't care you're stopping in the girls gas station game some post some vegan drinks, amazon coffee, peace love little tonos cream Bakery poking on forty seven hours poon pokemon go you oh .

good yeah let's .

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Only a few spot to remain, but they're doing fast. See inside. I've never heard that of my life.

It's such. It's a great. It's gotten me to sleep. I sleep. What is IT .

explain?

Basically it's a sleep like partner APP um so when you're sleeping you have IT on attracts your sleep and depending on how you slept in the morning you get to catch pokemon and they .

join your team and you .

feed your sore legs and it's just like, yeah I know it's a great concert is yeah yeah I mean I did really did help me sleep but because it's .

force to land in bed yeah because it's like if .

I don't go to bed at ten thirty pictures not going to be very happy with me now is he?

A boy.

yeah.

this .

concerns and you can buy biscuits to catch more pokemon.

Pokey sleep is paid to when .

book much and i'm winning. So there's that you don't actually .

give up being upset, right?

Of course not. That would be weird if this is listen, if we're .

talking about depression, we're talking about socialized. I just want to make sure like. This can be an important party, your life, right?

The sleep aspect is that but the reason .

behind IT and making pickture upset.

i've been playing IT for since I came out. And it's just like, I, I I don't know. I like, want my I see big number. See I really big numbers like .

what are the .

big numbers that my sleep scores, the the amount my berries give to sore lax like my drives .

those words were, I don't know you now we've gone beyond you know IT i'm not trying .

at wow's you're sleep.

I think .

it's okay, maybe less good after this .

help not .

why like cause something markets 走， 这个 给 这个 的 that's all i'm say.

listen if it's help and you leave and good with that. I just want to make sure like you actually do not you are treating them like send IT to beans. No.

that matter. No, no, they are cute. But you know and also.

why are you spending forty seven dollars on IT?

This will help you sleep there.

An event or sleep event yeah.

happens every night for .

me that i'm sorry here well.

it's got him Better. I've started taking stuff for IT, but you know, sweet and came out and they cost a lot of bit.

Spent five hundred dollars this month on the sabean told this month.

no, over time, more than that. But this month .

now are in a months you spent five hundred .

dollars before previously. That's true. That was mostly when .

I came out the standing al income. No, this is bad IT.

Also, IT is like when I see all of the debt, i'm like the big numbers. Yeah, all the big numbers. But like the bad big numbers, not the good ones like I have um import month, well import monthly, you know um it's like what is what's forty seven dollars? What's forty seven dollars relative to twenty three thousand .

dollars on a credit been added to one thousand about IT and and this is definitely not .

a great way to think about about i'm definitely thinking about IT this way is relative to the amount of interest I already paying forty seven dollars on .

twenty ven interest.

No, I just feel like I I I have some pie in the sky maybe kind of things that I think what will happen like like I could get a second job.

let's pie in the sky. But also that doesn't fix anything. That doesn't fix anything is your behavior. You get more money. Just friend double.

Well, no, I part of me is like hoping like, oh, if I get stuff down, i'll go kind back to the responsible or like it's all the big numbers that are causing me to be irresponsible.

If I had .

the small numbers back, what to make sense? The big customers stressed me out and IT makes .

you talking about this like you are five old and .

therapy yeah if I got the second job and I had like a similar income.

like you think you could do .

that well yeah but that doesn't matter.

You're just spend double what you bring in.

Well so for my current job um I probably were like realistically like five to ten hours a week because and it's not like i'm like not doing anything on purpose. It's just like I can get the stuff done um in that one of time, I all might give .

me more to do that.

Clients, no, why would I let that happen? Because they are spending a lot of .

money I knew and I would want to make sure i'm getting when it's worth they .

they are requesting a certain amount of work had done.

No, absolutely. I I totally get that they should do more.

Yeah but they don't know so and I have to let them know like why would I do that? Like other developers are working the same hours, I don't really care.

I really I just if I was owner, the business like they're probably paying a lot of people a lot of money when you could probably cut that.

paid a lot of money contracts through these contracts.

I mean or no, yeah, okay, I do. I care coffee. Now you have to do that.

They never drink coffee.

okay. But after you went to a place with coffee in the name mcDonald's, real good. Yeah, vegan.

I'm not vegan and vegetarian. I get real breakfast sandwich is only.

yeah, historically don't have any meat .

on them. The egg trees.

oh, egg that infect es can .

have eggs.

okay. And then web tune, web tuning. So what? Hundred sixteen, nine hours on .

this card ah I think think up there and .

my ah what did you just .

say once per voto the the treatment of treatment, I think i'm going .

to what's a treatment?

Well, I basically that .

sounds very well the way oh, you're doing that .

now it's all kind of its asked I guess I don't quite another difference but it's a nasal spray. You go there they observed for two hours while .

you're basically like how are .

a OK maybe um but i've talked is IT helping you? Not at all and i've done like twenty five sessions and I talk, yeah, yeah I talked to my scriber and I think he's okay with me not doing that anymore.

So definitely hope you get to do twenty .

five and that would be like six hundred dollars a okay, probably because of uber.

There's I feel good. What does he feel like?

Uh, IT feels IT depends. Sometimes I feel like very little. Sometimes I have like really creepy like um I don't .

know conversation of my toes .

that sometimes it's nice.

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Uh yeah um I don't think I spend that much on that anymore either.

IT doesn't matter. Is that what you still spending on IT?

yes. So doesn't t your progress. This progress is twenty dollars of progress.

Even you put one hundred seventy four dollars towards only twenty dollars as because you're birthing and there's interest person card that there is interest that you are not able to fully pay .

off talking about. It's like, I gotto get there, you know, I it's like quitting cold turkey is not easy.

But even if the spending was translated to your debit card, that's different. You're spending on a car that is a cruel and to be upset at that, me wrong.

You know it's true. Yeah but it's like but if it's small amounts, what's IT doing .

to the interest eighteen years without you purchasing on this is how long this takes you to pay off without you purchasing, with your purchase in you'll be in your sixties.

okay.

That's that's a long .

time ah I thought maybe like a few years.

K programmer doesn't know how to look at a number.

I don't like looking up the k but I mean, I could do the matter.

You know don't have to .

its right there .

you I wanted .

to no .

need some eight years eight amazon purchases .

is at twenty .

four point four nine percent ages ten one thousand dollars, a thousand and ninety dollars of interest on this car this year so far a thousand and then one hundred and fifty six dollars of fees this year. Who knows what the four probably miss payments. why? Why would you? You meet too much money.

You're so undisciplined. No, you're just you too lazy or you just don't care. I don't know. Try to find that at .

at at a given any given moment I could be any of those um is what IT kind feels like to me. I'm trying to really get out of the not caring part OK.

What is your trying and telling the this tribe this trying .

what's shine? I've gone through this phobot treatment K I am seeing a new prescriber were trying with yum um I may be a candidate for electric convulsion therapy um which yeah fairly .

inacio but and like .

it's it's just. I I think maybe i'm trying too much .

on that kind of did medication first?

I did. I had their first about four years and and SHE was just too nice to me.

Okay, so yeah but then I felt .

bad about like breaking up with her oh yeah.

to no fans, which is kind of a paycheck to her.

I yes, I know, but I didn't feel that way like to me because he was like, very nice.

Well, they are very nice. It's not like they don't have any empathy. Like apathy goes away because it's a business that works. But like it's a bit is a business SHE would understand if you saw a different .

terms and you know SHE did like crazy SHE did understand um but I do need to find a new you're not .

a critical person. You need to use charge .

card like a first used to be something like good. I mean .

next card right here, this payments, this payments of the absolute, the quite over cause of the other quick .

over ah what I know about IT no, I said is the other I I I said but on .

the amazon car ts abound to five thousand six hundred twenty three dollars .

and nine .

cents with mini payment of hundred seventy three dollars okay, quicks over this this ones absolutely is that is bounds like the other one .

but you're just around where .

at five thousand seven hundred forty seven hours and ten cents with a minimum payment of four hundred three dollars because interest of Green transactions and these, they know not a single cent applied to IT, not a single sent.

I don't know why the minimums that because you're .

not paying out, what do you mean? That's what happens. I have this is no way I.

I, I could get on my APP right now. IT says no payment. Do maybe maybe I paid IT after that .

hold the gun or I don't know you the way is patron petron and past .

two 光 屁 去了 yeah， they they're dying. They're gone. They're one hundred percent. I don't want them to happen. God, I promise OK.

yeah yeah. And then you can actually make a not pass through that's a step to take. Listen, total no, it's so you feel charges here was just that the total interest this year was a thousand two hundred thirty years. We have not had a single car yet that has that had fees or over five hundred dollars of interest .

occurred in the year.

This is man, yeah, you are in a perfect spot.

Then you have to start two years ago.

This is so much in two years. And what is IT?

Just all fast food and japanese ebl? Yeah ah a lot of IT .

is food probably one thousand prise.

I just I I mean, I feel like every guess does this, but foods really good and it's not really hard .

to IT is that gives you all the top of mean it's like, yeah your brain absolutely but yeah.

yeah. I mean, last night I was gonna get pizza. I so of you, so I did not, but now i'm going to be a pizza today. So maybe I want， maybe I want do that I won do that maybe um I I will say like so I I really try to like to like figure out the like I thought okay, if I figure out the depression so I was spending two seventy five every .

medication on the man and treatments I know I do.

but at the time, like I was spending like two seventy five a week on a prescriber. Um I I like them .

prescriber and not dr. Psychos, not seller .

off the well when .

you call me per scriber no no.

no nothing I list IT. Um as far as I know um I I I like try to take a university class um for like japanese thinking like oh maybe japanese .

anything outside of japanese. So I bought .

a piano um uh uh like a ymar a something or rather I had .

to be the japanese brand.

对， i looked I google good .

piano steinway.

Okay, well, that's that's a lot.

Oh, IT is.

but I can't afford.

Well.

I think of but I like the 亚马 是 是， i just don't use IT very much.

The amp shock. Okay, continue. What are you saying?

Um oh, basically you like i've tried a lot of things. It's not like like I thought that these things would be investments in a Better me you trying to .

buy away depressions and don't works. People can get in the closed so can get instant copes either that's the eating or going for shoppers reading at the inter copes. But yeah, it's not a long term success thing.

Well, it's like I I thought that those individual purchases .

would be like it's .

going up like a like the individual purchase like I will I will get so enthrall by the piano that like i'll have found the way forward OK why don't .

think that works for anyone like that?

So I do I know that now I do that now um but i'm still unlike dealing with the consequences of me being wrong yeah and then no kidding past two .

among one hundred forty two dollars on the synchy card .

every caring for me, every car that's my nine thousand .

and eight that's that's my .

age vacant unit um I had to buy an entirely new h vat unit because my.

Fact people out there though, yeah I added I had everything but IT IT was like three years in ah .

and I had so I had if you three years before what broke .

like a an the IT would I would be Better getting a .

new age back? No what ever .

make their money? Yeah but they were pretty convincing.

No, it's because you have the you you're easy to manipulate. You're easy to control. You're easy to yeah except for if I try to manipulate you to get out, no, you're manipulating me.

I'm feeling manipulate, and I promise.

I hope so.

I just, I, I feel like I have like a really bad relationship with money since childhood.

How come on? That's what everyone I know. I know.

Here we go. What is a mommy and daddy didn't into? Ja.

well, that's true. That's true. And well, mommy and daddy, I worn together but mommy was working three jobs and barely home. Um I like basically was like finding for myself all all, all the time. Or was that this was in Virginia IT was in separate uh yeah my father, my father didn't want na pay child support. He left the country um for .

what time yeah .

um yeah and when he came back, he came back after my mom. When I was like nineteen, my mom dropped the child support staff and then he came back to the country and like just apart government cash and that was like .

really .

you know it's not okay yeah but but .

when I was grown .

up barely ever saw her um IT was me and my sister uh I had like a complex because a lot like friends would want me to go out with them of course um I would say no but then they would be like, no, no you should come out with us will pay for you their parents would pay for you and now that i'm older, the idea of that someone paying for me and like other people having to pay for stuff when they are, you know, downgraded.

is like where they did feels like they are.

I try down tall in, listen.

beg IT is different than other other people offering is not a bad thing. I just course i'm i'm .

supposed to be doing well and i'm not like there via .

choices yeah you know there's .

a kind of distance there that is like really making IT hard.

Not sure if you are taking for money now, but when you are a kid, when you know your mom that I have much to give and other friends wanted to go out and you know they are able to cover, that's different than right now. If people are paying for you, that's completely different .

yeah but now I pay for them yeah because I know what feels .

like yeah but they probably could afford IT you can't .

they probably could have technically and not always though like I knows some people o oh okay yeah they could. I see 嗯嗯。

you had thirty five dollars of fees because is the most payment and fat, one hundred five dollars of fees just so far yes. So you probably misplayed three, four times. So, great, great.

Okay, seven hundred and forty six years of interaction on this year, this year. Wonderful, wonderful. Onder ful. No payment applied, of course.

So you, the total of three hundred sixteen of the payment, one hundred forty two doors and thirty cents total baLance, nine thousand nine hundred and eight, which is absolutely insane and thirty six cents fees, charge and discharge total is you this is these are statements and finances of someone whose is given up. There is no effort in here. There is no trying. There is not even a single ink of discipline yeah I said someone who is just given up and at a certain point, when someone gives up, that's a higher conversation so harder or conversation then doing a wake up call, someone realize situation is work than they thought before they came in. But when someone is given up, what can you do with that, that I can't convince you to not give up aspirations?

I don't want to like say the class but like the reason I came here.

I know.

I know, I know but and i'm trying not to treat that that way, I promise. Um but I I wish just I was legitimately excited to talk about finances. No, sure.

And that's something that happens a lot for me. So I wanted like I really feel like this is something that's important to me. Well um no something exciting.

The interest you've not this year so far probably in these cards, i'm going to say four thousand dollars put that. I mean, it's a basic stuff, but you know that could have made four hundred dollars on average this year. You know if this was just an average, the S P, five hundred, a lot Better. But if I open up my broken moon on, okay, cool, by in S, P, five hundred that have made that money.

Yeah and I and I.

but he said, it's all just lost interest.

Yeah, yeah. I know. O, K, I I want to get into you know avenues of being able to create like you know savings and stuff like that. Yeah but I know, I know, I guess it's probably not possible right now.

I don't know. Probable doesn't make sense right now because your interest strates are near in the thirty percent mark. So it's like what savings they're going to .

that's going to be that I do have some like kind of costly things coming up um that I don't think you're gonna be happy about either. Um I have some trips um that I committed to what's .

committed in what trips?

What do you know? So I I have a few trips. So filly um filly, december first I have a have an exam that are not taking.

okay. Well, let's there for .

that's that's okay. Example what though? APP ese, i'm sorry, sorry, sorry. We already one OK way we want. Eight years ago I have a true um I have another what we're losing now um .

not japan's finances and eighties the economy has .

grown in um what we were.

They in that they poised .

in an entire generation.

We're in a birth rate or winning in economics, the winning how long you stay alive. But guess what? The entire country .

is that video good?

Yeah, I think we do pretty okay too.

Well.

all, yes, I know you can intend up before you go to bed so that you can wake up with pictures in your throat.

Some of its like european more than you know but um that are that are good western but um so that .

this is japan. When I go here tell me um they have one car manufacturer .

too right OK here .

come on close to touching election cars, right? They are like cultural .

exports are definitely like animal video games um and animation. And in general, they are probably the best.

Okay, it's the little entertaining. So you a video games of 是 about things they're Better at was it's in a bit， bit more substance than and tend .

to what do you want, what do you want from them? I don't know. I am having to defend japan right now.

You said there figure a Better .

there pretty they're .

I like japan is great. Do I love to my mouth? Look.

i'm all about IT, but um I I have another exam in november, but that's not a japanese one. That's a tech exam.

Okay you have to travel for though.

Uh no no, no, no. I'm saying like it's not like i'm just like sticking to japanese studying and .

of like that and then what what do you .

get from .

this japanese a fulfillment OK?

No.

couldn't have taken the online the exam. Yeah, what's what's the exam for?

It's a certification. They only have IT in certain areas of the country like once a year. okay. And what these .

other trips, I have another .

trip to chicago i've already paid for. I'm staying with a friend um at the end of .

december .

and then paid for end of end of um january. I have a trip to the loom and mexico.

Do you can answer that?

One is paid for. I paid for the ticket, but I haven't paid for, don't know, check.

So you can get out of IT also, I might be a enough that you can get out of IT anyway. Are you creating videos? S is a full time creator.

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And in march, I was going go to italy in the beginning of march. I haven't papered the ticket. My living would be free. Um IT would just be the ticket.

Well, take a year or necessarily historically cheap.

Yeah that's true. Probably I wouldn't know .

because I haven't looked. And even though 皮卡丘 is yellow， he's the .

japanese kind .

of ello way. I think that was actually a lot more racist than I intended. Now that I just said that love, I think that actually was not intended .

to be like I okay.

my audience is in a bunch pero clutches .

ah yeah .

but I did not intend way you guided .

by my japanese friend, sorry, my idea, my italian friend now you you're getting me confused. Uh, my italy.

an an friend have got a country that really has nothing going for a good.

okay, take out the boats.

Yes, nowhere else. okay. So student loans.

yes, or hello.

thirty three thousand one hundred ninety four for what again?

Oh, for my great. Okay.

which is actually serving a pretty good return on investment. Yeah your past do this will garage, which is are you sure is is up for those? Your past do no.

I will take a long time of I I think I was like a little.

how are you past too?

I paid IT by double. It's paid now. I did pay IT IT.

Shouldn't it's not past to anywhere? Um okay. Well.

why was the past .

to um I think you're not gonna IT it's just I forgot but that's literally .

IT was auto pe am confused america, japan and italy is all invented autopsy.

I am afraid that it's gonna like hit my account and money .

your expenses low relatively you guys yourself in the thick expenses through .

of the pains and dads but yeah yeah um and and I feel like if I I hate you but I feel like if I start putting stuff on like auto pay and like I have to like track everything, it's like .

what I can use a budding up I don't know.

I didn't use to have to so I just like feels .

like I dot world oh my god. No.

I was in the adult world. I had, I had money and savings. I was paying everything before I was.

I yeah I I know I know i'm not doing that now and that's what matters. But IT just that sucks. I don't know. Mark gage just got one hundred .

sixty thousand hours with three point seven five percent interest. yeah.

And I think that might be worth around two twenty two thirty right now.

That's great. One thousand, one hundred thousand and twenty onderstand purchases in water harness kit.

I want to see how heart .

my water was. harness? yeah. Not harness.

okay. Also, the Austin water is so hard, what?

What is going on with safety? razor? yeah. I wanted .

to try that out and I I like IT.

I used IT .

now I use my .

motion shave cream k year wax removal can um yeah .

fun having the less you do.

the less you try to get rid of IT, the less that produces.

Oh, well I was I was having issues look like ear infections and I was like, go, maybe this.

well, maybe see a doctor force you love to .

go see every medical specials .

in the world for stuff, some bold, some more readers getting up well, clean. And here's a moving tape markers showed od, okay. Head for all in your .

hard water yeah and I got that because my roman was that .

can be so fused. How's the checking ended in eighty nine dollars? That so, so ridiculous, so scary, so scary. Why would you do that yourself?

I don't know um I ve n ve gone below the um like a gone below zero .

yeah overdraft .

wonderful yeah um though .

these purchases are ridiculous, I said you would Better report on your time and what does that even matter because you are both find some more money on japanese and tender spot eglise as you know, money you want to pay for all the people give up yes .

judy school on yeah .

the whale team. Mellow mushroom amazon, amazon, amazon coffee place, amazon amazon something japanese is amazon. Here we are, so on.

Come a place called no.

You should have never one to a place called here we are so on. He is very burger king and probably very burger king. Uber, uber discount for discord nature.

Do we have to? Burger king hard, burger king coffee place ninety seven years, look about sleep. Come on.

That's that's the largest package you can buy.

So you dell need to use the other sleep up. If you are you roma punch on the in the morning. If you're not sleep in enough, how about that? That's negative enforcement that do not.

Some word I definitely can pronounce. And you with there twice netflix talk about hou first watch slice of something cunt I role named s uber. More people on ten thousand. I don't pay. Well.

sure. Do you should probably .

cancell IT. And I maybe look at your statements here and there. Uber eat, not ua eat uber. Uber eighteen a draw. And to do you're not even using good dad.

yeah. Yeah.

I think any bounds are savings, five dollars overdraft fees with the eight box this year so far. Good, great. Yeah, great, great. I I think .

I think I would have to stop playing IT.

stop playing IT, then get to bed at the same time because the only thing is you're just afraid that pictures you stroke you in the morning because you didn't get enough sleep. But is that actually improving if you're sleep health, right?

You're just going to bed at a proper time, right? IT is.

well, how does your brain know that you wanted to? If I think about going to sleep more, sleep worse, how does this? How is that working?

I, I mean, I go to bed at the same time, which over time has corrected my wakeup times as well. I mean, IT doesn't happen.

the media, but you need the APP .

to do that at a timer. Well, i'm already already have IT technically, I already know I already .

have the ability .

to sleep at the I gotten that from the APP. So no, I don't technically need you delete that.

You do not need to be paying for pictures.

Job deleted today, I will.

Income five thousand one hundred. Mortgage one thousand one hundred and fifty nine. What about your utilities altogether added up?

Utilities all together added up. I would take the mike, oh.

move IT to you. Don't move to the mike because you always move away.

Take the mike move IT to you. Sorry about um utilities all added up um including like internet um maybe like four hundred .

concerns um .

like one hundred gas .

room room drive drive.

barely drive, so maybe like ten dollars a month.

Are you sure you go and do things? I have social interactions because .

I need you to well, so I go to the library and the library is quick close to me and that's where I yeah and Carry okie. I can walk to it's like so close you not at all, but I can walk to the Carrier. Okay, please, it's good. Yeah um that is one thing i've thought about .

is getting rid of the car um and the only .

thing is like I have dogs. And if there's like you can get an uber, uber maybe um OK actually .

say your minimum y payments. This is the same, by the way, are two hundred two thousand one hundred thirty nine. But i'm actually so attracts in the car because we are getting car.

we are going .

we're going the car right now.

Okay, I came in thinking that might be the case and .

i'm OK with good one thousand, six hundred three dollars, eighty five cents. okay. Now good news. You have an after seven thousand hours from some in the car. It's called six thousand hours, you know.

So absolutely try to .

listen on facebook. Good pictures. Facebook marketplace. Crack us. Do that first. Phone bill.

phone bill. Um that's like a hundred and how so I have. I, I go, I have .

two phone .

to catch .

every poke. Man.

no, I I thought so if I got the family plan at horizon and just use the phones I already had, are you a that would give .

me more the phones, which the helion for fifteen box amount is the same services? T damn mobile. yeah. Listen, I don't care you all on the phones and the phones and box service.

okay. Um just reason. As long as helium has like data, basically I should .

be found now atp fone hundred box, anything else you need .

to survive um necessary food.

three hundred dollars your meal per and follow me a male meal prep and two at your needs. Medical costs how much to the .

money basis? Because I know this.

Just give me what you .

think IT cosmetically monthly basis let's say a hundred k .

yeah had so much for pair food.

Um so I go to a costco. It's not that bad. It's like like thirty five dollars a bag and I probably through like one and a half. So let's say .

like fifty .

A P insurance um I dot .

insurance and dogs you have .

I have two huskies.

okay, i'm gna call that. I like the box. Okay, i'm going to cause that is, uh, safety box actually okay, just saved me literally tens of thousands of hours because dogs have to eat. Things are not supposed to odds, okay, anything I still need to put in your budget that I have not.

And there is so far, I would like to be able to do just go ahead. Um i'd like to be able to contribute to a college fund for my needs. No, no.

yeah. okay. someday. sure. Someday OK now thank you .

to you get out that first and of the merge fun.

I I mean, this wants to be a monthly thing, but like Christmas, I like I anna, be able to buy my .

miss take from your tp.

fund my tp for, okay.

okay, good. Three thousand, one hundred eight dollars. Listen, i'm going to give you too.

I'm onna give you three hundred dollars because you will make the sacrifice on your car, three hundred hours a month for fun in your bus OK. There you go, three hundred dollars. So you have a thousand seven hundred dollars left over, okay.

for paying .

off to be, be paying off all those that we're going into the car. Okay, so we're mediately gna go for them. No, sorry, sorry, sorry. E, I guess with snowball a lot.

I I think I have to know ball. I gonna the same thing for my it's pretty close.

but not really because you'd be focusing on the name you fed for so long.

But I thought the navy fed was .

lower interest than the, I think about, okay, so for the two, for the three cards that are about the same and five thousand, five hundred a range and focus on them first, that's gonna take ten months to pay off. wonderful. And we have quite a bit of money left overall on on a money basis now were at two thousand and two hundred leftover on the motive basis.

even with your fun after the three.

yep, after the three thing is next takes about four and a half months and then move the extra from that one. Now we have about two thousand six hundred hours left in a month basis, and we pay off every federal in nine months. So where are we? Two years, years, two years, two years and a quarter.

Pretty dark, close student. One mineral payment till us fait often. Same with the house. Your car is gone on. At that point, what you can do, i'd want to save up to ten thousand, our emergency fund, and if you want to buy a car, go in another ten thousand hours by a car, and then save up your fully fun of emergency fun after that.

So the seven thousand, would that go towards the emergency fun?

Sorry, seven thousand just speed up uh sped up this by we are like what um five months four to five months OK right so take four five months on, but so it's probably just about two years, approaching two years, then save up ten thousand hours. Then if you want a car do another ten thousand hours, get to ten thousand our car and then your original ten thousand and and take that build to a four, six months mery.

After your debt, i'm going to say, is about seventeen, eighteen thousand hours OK. So I think we can do that plus all this and definitely about under three about three years. And that's nothing compared to what a lot of people to go through on this. Ah what's your retirement and you said .

you have retirement?

No, you're not true. No, you can.

Now we need to really touch up. I thought about I don't know how I feel about IT or you about IT but like I said, so I one hundred and sixty on my mortgage yeah um but from what i've been seeing in my area, it's like two twenty two thirty years sales. I do technically have options for places I could live for.

If you want to, you can. Yeah.

the reason why I like .

the dead half journey a bit more, even though IT takes longer, your car accelerates there and your fixing your disciple to get out of that. If you just sell your home, use that money .

to get out quick, too painless.

Yeah, you can get you will get right back in the situation because you never address what actually got you there in the first place that make sense. You can see you if you get to just went under control and you prefer to say how you totally can that up to yeah, I don't think you necessarily have to, but you totally can. And actually in you're you're gonna make more money.

You're going to give more promotions. You can get a second job if you want. You can get you can do this in quicker than three years and probably closer to two if you really go wild. Yeah but three years, still nothing. Yeah, still nothing.

Second job would be nice if I .

could have any thoughts, any .

questions here. Um no um the number seem to add up, spending the .

budget your right time. I mean you spend that when you're in garnet from our pay. We don't know how much we don't know you said to yeah just incorporate make that first. You pay that often a month. You have an to seven hundred after fun every month so paying off that the past taxes, okay, yes, and add one more month to IT for zero ten because that stupid garage thing and retirements your time oh, real states that will boost us good equity position, good interest rate.

okay? Like the mortgage payment is low.

Yeah, mortgage payment makes sense for your situation. Going to do seven hundred ten. There is a seven that's going to be a hard financial score, one point five, other ten.

Make sure to check out our new debt class so you guys know how the best way to get out of debt, but also the best way to utilize that. We give you all the strategies that are from experts round there and make sure to stick around for the postal. It's going to be a of extra juice. You lost all your money in end of tea.

N F. S yeah. So I think I invested somewhere between thousand and. Three in the area and and I .

got brought into .

the N F, T, N, F.

Probably all of the honestly, I don't.