Valley-Girl Feels Oppressed Because She’s White | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. You've not applied to different things? No. Scholarships, grants, student loans. I'm not really a good person for a scholarship. Why? Because I am a white woman. Shut up. White students receive 70% of scholarships. Really? Wow. Full tuition scholarships. Yeah, but you're white, so you can't get scholarships, you said.

Hi, I'm Maya. I'm 24 years old. I'm from Vista, California, and this is Financial Audit.

Thanks for taking the road trip 1 a.m. leaving. That's crazy. Driving through the night in the desert. But what do you... I felt crazy during it. Yeah. Well, your finances are crazy. So it's crazy reflecting crazy. I guess it makes sense. Yep. What do you do for a living there? I am a certified nursing assistant. Okay. Yes. And what are we making in that position? Right now, about $20 an hour. Dang. Now, this is right outside of San Diego, right? Yeah. Yeah.

How is $20 an hour stretch in there? Not well. I would say it probably would do me better, but my hours are kind of dog. What's he getting? Right now, I upped it to seven days a week. How many hours are you getting? Four.

Huh? For a day. Oh, okay. Why is it so little? At least what I'm working with right now is an agency. And so the client that I'm working with only has like a certain hour frame. But you applied to hospital then. I did. Oh. So, and I did get accepted. You got the job. But it won't happen for a bit. What's a bit? Like a month.

You don't have that tattoo because of me, do you? No, but I thought you'd say that. Don't worry. Don't get too conceited. Well, come on. Okay. And how much are you going to make in this job? I will make 23 an hour. How many hours a week? 36. Okay. Well, how's living in the area going to be on that? All right now, I kind of live with my parents. Kind of live with your parents. I do live with my parents. As in you live with your parents. Okay. Yep.

Well, that takes a big chunk of your needs out of the gate. Yeah. That makes me then wonder, because usually if living expenses are too high, sometimes we go into debt to survive. But we have the debt anyway. Honestly, that leads me to your hobbies. I never get like a hobbies point. I have notes here and I never have like hobbies. I don't go look through the hobbies. But what do the hobbies read? Likes to eat out. DoorDash slash Uber Eats. Dating. Likes to buy people meals.

Buying people gifts, tattoos, vaping, probably not the best hobbies across the board. I mean. It is not bad, but the buying people meals thing with our finances. So we have debt, but those are our hobbies. Okay. I, a thing about that is I don't like when other people pay for me. So I kind of always insist on paying for everyone else. Why?

it kind of feels that it's like something that can be held against me. Like, you know, okay, well I paid for this. So now you like have to ask me or not. I know. And I have a hard time with that. So instead I just insist on paying and then that takes out of the equation. But then I would say you paid for me. Now I feel like less of a man. I deserve to be slept with. How about that?

I never thought about that. So, well, I hope no one actually says that. But, okay, so what is going on? Why are we in all this debt? Because, again, you're living at home. What are your big needs? It's taken care of. Well, some of it isn't exactly from me. Some of it, like, my dad has opened three credit cards in my name. In your name? In my name. Over the course of how...

like since i was 18 since i could get a credit card so over the last six years he's opened three cards in your name yeah what is he doing with this doordash he's just doing doordash yeah that's one of your hobbies yeah it runs in the family so you're both doing okay so i've cut back though i've cut back a lot yeah that's what everyone says before they come on so but he huh nothing i said i swear

But he took what? So that's what he's spending the money on. What was was there an intent? Was there conversations around it or did he do it behind your back? OK, so one of them was done completely behind my back. And that was a card that he exclusively used on his own. Two of them were done with kind of he did it and then he told me.

But I am kind of the one that uses those. I think though the one of them, it was because one of our cars were going to get repoed. So he needed to take out a card in order to pay off the fines. And then also there's the loan. The Green Sky loan is in my name. But did you ever see any of this money?

No. Okay. But there is that in here that is yours as well, right? Yes. So it's a combination. Yes. How's your relationship with your dad now? On the mend. Okay. Go on. Basically, a few weeks ago, it all kind of came to a head. A few weeks ago? Yeah. And I got...

pretty pissed off at something and everything kind of spiraled and threatened to pay for his meal uh no uh he probably would love that but actually uh you know we ended up getting into a huge huge fight and so like it got a little physical and physical yes how um

like pushing okay and um so essentially he needed to he left he like went across the country and like went and stayed with his sister because we just like because you two yeah what about mom she there yeah what was her thoughts on this she thought it was best that he leave too at least for a bit

Okay, go on. It was just so toxic. No, I gotcha. Go on. Where are we? We're explosive. So basically he went out and he went on the East Coast with his sister and we had like a mediation and talked about some of the things. And I told him that, you know, one of the big things is because

I feel like I'm stuck in a hole, part of which, yes, I have dug myself into. Today's video is sponsored by Aura. And it's a really important time to be talking about them because hackers may have stolen the social security numbers of every American. Over 2.9 billion records were stolen from national public data, which provides personal information to employers, private investigators, staffing agencies, and others doing background checks.

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probably aren't even going to face any repercussions for this leak. I'm not leaving myself and my family vulnerable to data breaches. And if you don't want to either, you can go to aura.com slash hammer to try two weeks for free. Well, I was going to say, I asked, so what's going on here? And you immediately go to what your dad did. Yeah. But I, if it's only three deaths, we have well more than three. So there's a lot in here that is yours as well. Yeah. And listen, I get that. That is bad. That's him and he should take care of it.

At the same time, you didn't bring up any personal responsibility stuff until I did. You immediately only started with what he did, which again, out of the control. And that is a part of the answer. But what about what you've done?

I went into a black hole of spending. I went into retail therapy. I went into... Over when? When? For what? Because of this? Like probably this entire year, at least. From like January up until now. What does that mean? What does that look like? That looks like me spending $2,500 on a trip. Oh, good f***ing to where? Wales. What's in Wales? My friend went to college there. And so... Went? Went.

Yeah. She lives in the States now, but she was living. So what the f*** is in Wales? Her. I went to see her. She lives in the States? Now. Okay. So you did that this year? Like the end of last year. Okay. Well, you said this year. So what does it look like? Food, concert tickets, hotels, restaurants.

Okay. So you're just living the high life. Subscriptions. A lot of subscriptions. Instead of any chance or hope to live on your own away from the pops who uses your own money. Also, just lock your credit, by the way. Yeah. I don't know how to do that. Okay. Well, make a couple phone calls. I'll help you. And also Google exists. Yeah. But we'll help you afterwards. I definitely need it.

To lock my credit? I don't know. No, no, no. Before that. So concerts are more important than you living on your own. Away from this. Madness. Where your pops literally had to move across the country. At the time, it felt like... At the times right now. Okay. And I have your spending for right now. By the way, miscellaneous bull... 25% of your... Spending. Insanity. Going out to eat. 15.3% of your... Spending. Going out to eat. Grocery is $26. Okay.

So that's more important than living on your own, having any semblance of independence and getting away from this chaos. Or you just want to stay there forever and soak in that environment. Yeah, definitely. I'm a big fan of temporary escapes. So kind of being able to just get out of it for that. You always have to go back. Yeah.

What is your plan? What is your plan, Ben? I'm going to get into some of these numbers in a second, but okay, the temporary escapes, I get it. So what is your overarching plan, Ben, looking forward? Where does life take you? Well, ultimately, I want to go to medical school. Oh, wow. Okay, do you have a bachelor's degree? I have three. Oh, okay, 24. Well, I got it in four years. How much their capacity stood them up?

Okay. There's not that much student loans. I got essentially that student loans are kind of a huge regret of mine because I essentially got a full ride scholarship. What are your degrees? Medical sciences, microbiology and molecular biology with an emphasis in biotech. Why are you not in medical school? Because I was a D1 athlete. I triple majored. What did you sport? Soccer.

Okay. And I did research, published a paper. I worked like part-time, full-time job. Cool. Why are you not in medical school? Because medical school requires clinical experience. And I didn't have the time to do that. And also I, like in the middle of my college is when COVID hit. So everything shut down in terms of hospitals, schools.

everything. Well, hospitals were still open, but maybe not for what you needed. Yeah. They weren't hiring because they were holding on. So I get it. Also, that was also like four years ago, though. So what are you doing now? Well, then I took a complete nose dive on my MCAT and I wanted to do better. Well, that's different. That's why you're not in medical school. Well,

been working i've been gaining experience i've been yeah without your mcat yeah i can't really i mean i so you have to retake or have you i've retaken it three times and i got the same score but i got in i got into one to a medical school yes what um in idaho okay operating on potatoes actually idaho's biggest crop yield is wheat and iowa's biggest crop yield is potatoes okay fun fact

Very fun. How much came in in this last month for money from your job? How much? Maybe like $1,500. $1,278, but how much was spent? Probably $2,300, not $20,000. How would spending that...

Have any semblance of being okay to you? I definitely don't feel okay. Why do you do it? Why are your actions doing that then? One, that's the wrong number. It was actually less. But the fact that you thought it was that it was 14, 1484, but.

that you said in the 2000s i have a really bad habit of you know cool you acknowledged it what have you done to fix it nothing why because i'm not a magic pill i can call it the bullshit but you seem to already know the bullshit you thought you spent more than you did most people on the show when they need the call out they think they spent less than they made even or at least what they made but you think you spent almost double what you made okay so what haven't you done

Why haven't you done anything? I've just been in the mindset that, you know, like I'm going to medical school next year. You are going to go. You've decided. Yes. Pain. How? That is up in the air. You've not applied to different things? No. Scholarships, grants, student loans. I'm not really a good person for scholarships. And why? Because I am a white woman.

that's middle class and middle class white woman so we're just gonna give up and not apply to anything not necessarily so i was gonna apply for loans but that can also get a little bit tricky um but i'm trying to go into the military what yeah when uh

I'm actively speaking with a recruiter. I'm talking, are you going to medical school or the military or both? How does, so they have, you talking, they have what's called a health profession scholarship program to where essentially they pay for everything. They pay for all my school. They pay me, give me a stipend, yada, yada. And then I owe them four years of my life afterwards after the medical degree. Yes.

Oh, wow. So it's like four for four, even trade. Okay. Hmm. It's not the worst deal. What are you going to go into medical-wise? I don't know yet. I'm kind of interested in forensic pathology or like infectious disease. So like a medical examiner.

Interesting. All right. What would you give yourself? Score zero to 10, zero being the worst, 10 being the best. Where do you think your finances are right now today? Well, I took the score online and I think I got a one. Okay. If you want your Hammer Financial score like she took, it's free in the description below. Also, come on the show. Come to Austin. Drive overnight like she did. We'll have you. Apply at calebhammer.com slash apply.

Capital one. That's the biggest and the most hurtful. So that's what you say every time after a man buys you a meal? I wish. Good one. I definitely wish. All right. Not the case. All right. It's the motion of the ocean. Okay. All right. $5,039.13. That's a big, thick balance at a $5,500 credit limit. All right. And then $189 minimum fee payment with your payroll...

It's quite yikes. Yeah, that's like a paycheck. More money was spent in the emergency payment, but it almost didn't even matter. Yeah, the balance went down, but not even close to what you paid towards it because you purchased $103 on it. And then $139 interest was accrued. Why are you spending on this card every single time? Well, some of those spending, I think, were reimbursed. I think.

is not being paid off. Because I didn't have the cash. Why didn't you have the cash? Because it went towards my cards. No. Huh? No. I've never budgeted. Well, if it didn't go, we're not bringing your bank account to zero to pay off the cards. That obviously doesn't make sense. Basically, that's what I'm doing. Well, then why would you put that extra on it? We want to put extra, but we don't get yourself in a more dangerous situation where you have to put more money on a card that is a 30% interest. I had to pay it. No, no, no, no. You put $520.

towards it. But I had to make the purchases. I had to make some of those transactions. Stop. I'm saying, why'd you put more towards the card if it brought your account to a dangerous low? We want to put more towards the cards in a strategic way. In your case, this would be in the world of Avalanche, but if it makes it so you literally cannot afford a couple dollar purchase, why the f*** are we doing it? This much more.

I don't know how to budget and I just wanted to get down because there was... You wanted to get Barnes and Nobles and McDonald's. Which of those were reimbursed? Never mind. I thought that was a different card. None of those were reimbursed. Yeah, shocker. Who would have thought? So now we're spending it on a card that we can't pay off, that is accruing interest and is f***ing ourselves. The Barnes and Nobles was a gift.

So it wasn't. Yeah, I know. It's one of your hobbies. Buying gifts for other people and then going on dates and buying meals. There's the McDonald's. I hadn't seen her in like a year. So I had to buy like, you know, a birthday gift and Christmas gift. No, you didn't. Buy yourself out of debt. What are you talking about? What did you get her? Barnes and Noble. I got her.

I don't even remember. Like some notebooks, some pens, like little trinkets, a candle, I think. It's not even like an exciting, no offense, gift. You were just like, I'm going to get this, I'm going to get this. Okay, she loves candles. Wow. So we go to Barnes and Noble. Better than like Pottery Barn or like Anthropologie. Never been to Pottery Barn.

You should go. No. How long does this take to pay off doing the minimum monthly payment? I think the last time I checked, it was like over 20 years. 21 years. So you know some of these things. I'm so confused. These are the conversations that really piss me off more than anything. Well, you know some of the things. You know some of your numbers. You think you spent more than you did. You know you spent more than you did, more than you made. So you know some things. But it's a noble and...

You refuse to change any of the behavior, so you have the knowledge behind it and the refusal to do anything about it, which to me pisses me off to my core. It's the people who go on and they're a little, you know, they're a little dumb with their finances. They just don't know anything. That's okay. You can walk with them. You can lead them. You can teach them what is happening here. But with you, you're just like, I know it, but I don't give a shit. So what the fuck?

I didn't know until very recently when I started watching your show. Mid-August. A month. Okay. Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better.

And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15% discount. And you get $100 in cash gifted to you right into your MooMoo account. There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you. So that compelled you to look at every balance? Yes.

And all the interest rates and the little time periods things. Because that one hurts me the most because that one has the most destroying interest rate. Probably like the 30s? 32, I think. Jeez. Yeah.

It's going to start heading down with the rate cut now, but even still, it's not... I mean... And that's why I've been putting a lot of money towards it because... But it doesn't matter. You're spending on it with McDonald's. But I was getting messed up with the interest rate. I was getting... So why get McDonald's on it? I was hungry. I mean, that's stupid, obviously. I mean, there's literally like beyond accounts in here. Why put it on the most damaging one? That was your...

thing you said. This is the most damaging one. It's the one I want to get rid of the most. That's why I'm putting more money towards it. So we spend on here because we're hungry? Yeah. It was like... I don't know what to answer. I mean, I...

normally get mcdonald's because i have the app so i get like 20 off okay well okay you cannot i know you i know you're i know this part i'm asking why you put it on this card the card you said is the most destructive that you want to get rid of i don't give a about an app i'm asking about this card for sake okay i guess i am worried about this card but

But I will say I haven't been treating it like my main priority. Oh, what's your main priority? I think I've been trying to snowball. I think. You said this is your biggest balance. Yeah. You put $200 towards it more than the minimum fee payment. Yeah. Do you know what snowball is? I guess not.

What is snowball? I thought you start with the smallest ones and then it goes bigger and bigger. And what's this one? The biggest one. You're not dumb. You're going to medical school. You just literally answered exactly what I was going to say. What the...

I think the MCAT, if you can at least pass it, you can tell me which one's bigger and smaller and which one would be paid off first if it's the smallest one and which one would be paid off last if it's the largest one. So why is more money going into the largest one? What are you talking about? Because that has the largest interest rate. So there was like a couple- So you're not doing the snowball then? But there was a couple months to where I was getting like- Oh my f***.

drafted like i was getting you know going over the limit because of interest i wasn't even making purchases if you're making your minimum payment the minimum payment is really structured to get you below where as long as you paid that if the interest hit you wouldn't be going above the it was like two it was like 220 or two something and it put me like 50 back

Not now, but there was a couple months. So I've been just trying to get that to where I'm trying to beat the interest on that one. That's like my goal is like it's not even paying it off. It's trying to lower the interest. You're not a credit card person. You need to use a charge card where you put the money on it, like the Fizz card. You can't manage other people giving you money to use. Yeah, that card too got a credit increase when I was in Wales. So that's...

I had it paid off and then I went to Wales. Oh, good. And that was just the end of last year. Yeah. Now it's basically up to the credit limit. Yep. All in one year.

I did. I did quit my job. I was working full time. I wish I liked traveling. It sounds like so much fun. You guys spend so much money every single time. To be fair, I didn't pay for the travel expenses. Dude, I don't care. You racked up a $5,500 card. Fair enough. Because of the travel. So I don't give a shit. It doesn't matter. You just offset it by spending more money somewhere else. I think it fell on the floor.

- That poor pen. Do you have like a whole box of just like a bunch of them? - Just this one.

Credit one. We know if we have credit one, we're pretty much in a completely f***ed position. It's like the worst credit card you can get. Okay, I don't even know how I got that card. Because originally... It showed up in the mail and you... Nope, nope, nope. Not even. Not even. I had a credit one card from... That was like my dad gave me. And he's like, oh, use this if there's emergencies. And I never used it. I never used it. I never ever used it. I think I... No. And then all of a sudden...

He came to me and was like, oh, here, you have your own card now. So he opened it in your name? Maybe. You don't know? I don't know. You haven't asked? No. Why? You guys have had the conversations. I guess I feel like he doesn't know. Maybe. It showed up in the mail and he probably just accepted it. Yeah, probably. Turned it on, accepted it. Okay, $80 minimum payment, $1,580.55 accrued on this.

On a credit, or is the balance on a credit one, which is crazy because... That's the one I've been focused on. Is this the smallest balance? Yes. You're not focusing on it. You're purchasing on it. The f*** are you talking about? What were the purchases? There's one card where the purchases were... Uber! Uber credit one! What are we doing in this world? What are we doing on credit one?

Uber Eats, take one of the most expensive ways to get food, combine it with the worst credit card. It's impressive how the f*** that is. Yeah. I think, was it like the subscription? Because I did cancel it. I don't think so. It wasn't? Maybe. I'm not sure. Maybe. Because I did cancel the Uber Eats. But they also got a hotel charge. Yeah.

Oh, I had gone to visit the medical school. That's fine. Well, but not on a credit one. It's not, especially if this is the one that I'm focusing on. You don't put more money on it. Yeah. Even if it's something, the visiting the medical school is totally fine. I support that. We don't put it on the card we're focusing on, especially not on the credit one, which by the way is accruing monthly fees, $8.25 and then interest of $40.11. Yeah.

Go through our budgeting class. Everyone in the world should go through our budgeting class, but go through it, please. You need to learn how to spend your, how to manage your money. Cause we could afforded this. My place hotel. We could have put this in the budget and it would have been fine. Cause it is something that makes sense for your situation.

Go through the budgeting program. Yes, I will. You guys can sign up for it at a 15% discount bundled with the investing class right now, by the way. But you need to go through it. You get it for free by being a guest on the show. Yes. I am very excited for that, actually. Oh, good. But again, you're someone who knows your situation without any action. All right. We have a Marriott card. Yep.

$1,946.49. That's one that I just haven't. It's on the back burner. Yeah, it is because it's only a couple dollars. What are you talking about? You literally purchased. You purchased on the three cars we've talked about so far. Your words are completely opposite of your actions. This is the one that I'm working on. I'm not. I'm doing snowball.

Oh, this is just on the back burner. You're spending on all of them. And your payments make no sense. So, your balance actually went up. Your balance went up. Even though you paid double your minimum monthly payment. Minimum monthly payment, $65. $46 of interest accruing. $105 of purchases. Why? Microsoft Ultimate...

There's your Uber subscription. There it is. It's canceled now. It's canceled. Well, guess what? That means the last one wasn't. I thought I canceled it, but I paused. But it means the one on the credit one wasn't the subscription. Yeah, that was probably McDonald's. McDonald's. Why McDonald's? Because I get 20% off every purchase. Through Uber Eats? Well, I order through the McDonald's app, but it's through Uber Eats.

So like an Uber person delivers it. Does it matter if you're spending like 20 bucks on a McDonald's? No, especially on cards with 30% interest. And then green gift shop. Really? That was reimbursed. That was reimbursed. Oh, we find. Oh, this mythical reimbursement that we've been hearing about for 15 minutes. We got it. And it's a whole $27 out of everything we talked about. This mythical reimbursement has finally actually showed up to play. And all.

Parking charges were reimbursed too. I didn't highlight those because parking sometimes you gotta. I didn't call out parking. Did you say me call out parking? Well, it was more than $25 that got reimbursed. No, but of what I've called out so far. Oh, yeah, that's it. $408 of interest accrued this year so far just on this card. Your minimum fee payment? Yeah, keep doing that. Going on. It only takes eight years to pay off. Less than 20. Less than 20? Uh-huh. You're trying to... What?

No, I'm just trying to find a silver lining in this crap. Your silver lining. Come on, dude. We take this. We take this real. Yeah. Total deposit accounts. Five dollars. I can't. Oh, that's that's expensive car for your income situation, especially for someone that's not going to be really making an income to school. I know your thing is a little interesting, depending on the military, depending on that.

Also, does anyone and everyone get it? Or how do you have to get accepted? Yeah, it's an application process. Oh, have you been accepted? So I'm going through it based off my recruiter, though. He says that I have. They're always optimistic. Yeah. I mean, I root for you. Good luck. I hope it works. It has to.

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All right. I'm getting crisscross applesauce. Tell me. So originally, I had a Kia Soul and it was paid off. Loved it. Yada, yada. Yada, yada. Lots of yada, yadas in the story. What's the yada, yada? I feel like we probably skipped that. I was a dumb f***er.

No. Okay. I was ineducated. So, yes, I was a dumb f***er because I did not really invest time into acknowledging what I was doing because...

My parents got really worried about me in Idaho and just like it snows. They didn't think that my. When was this? How long have you been in Idaho? Well, I got that car in 2020. But you're not going to medical school in Idaho yet. I know. But I did go to college in Idaho. Oh, yeah. I went to college in Boise. No, no, no. Northern Idaho. Moscow. I wanted to say go Broncos, but never mind. Boise is in a state. Yes. Good job.

Go on. But so they were worried about the Kia Soul not doing well in Idaho with the snow and the ice. And so I came back one summer and they wanted to get me a new car. And they're, you know, let's put it in your name. It'll be good for your credit. Your parents, man.

And then and so originally it was put my mom and I's name and then I refinanced it and I got a lower payment and a lower interest rate, but a longer term. And then now it's just in my name.

But I didn't want to get the car. I didn't want to. Yeah, I think we need to just separate you from your parents. I know. And we're working on it. Like, my dad has access to, like, a bunch of my accounts. But do you have access to your accounts? Yes. Then change your logins yesterday. I don't... He already has it, like, he has the cards and things, like, attached to other stuff. Yeah, just say you lost the card. Mm-hmm.

I never thought of that. Okay, that's fine. I don't know how, but that's fine. It's just, okay, sure. And also my parents pay for my car. They pay this bill? Yes. Oh, well, that's different.

I mean, it's still risky in your situation because it's a big balance. Okay. Yeah. Because the balance is $18,838.92. What is the car? 2020 Jeep Renegade. And what is the term? This extended term? I have no idea. So you said it's a longer term and you just don't know it. No, because I didn't do the refinancing. Who did? My dad. But with your credit? Yep. I originally didn't want to refinance it.

You know, there's a case. You don't want to go down the legal things, but there's credit fraud potential here and some of these different things. But, I mean, it would kind of potentially put your family in destruction mode. And, you know, that's kind of up to you in terms of what makes sense there. But I want to try to take care of it. Come on. Oh, oh, oh.

How do you not know anything about this? Okay, I do. I do. I do. I do. I shook my head, but I do because I looked at my credit karma report and I think it's around like seven, seven something. Seven or six something. It's not fantastic, but what's the minimum fee payment? $3.97. I just don't know how you could afford that if they decide to stop paying it. And they could. It's under your name 100%. It's not their responsibility. I think they want me to.

What do you mean you think? Has this been a conversation? They've mentioned it a couple of times. What does that mean? Like in passing? Like, yeah. Like they'll make a little quick joke. Oh, like when it's time to pay. I'm like, oh, you know, you should start paying for this next year. Or, oh, you know. It's a funny joke. They'll ask me like, you know, for help sometimes to finish the payment. Because they don't have enough money? Sometimes.

Keep wiping that. What's happening? I just feel so sweaty. Okay. You're good. You know, we've been through one, two, three, four debts, but you mentioned at the beginning, I asked what's going on here. He said he's opened a bunch of debt in my name. Credit one, he may have opened that. The card, they may have kind of pushed you into that. But even still. No. Even still, this isn't a

That's not lining up so far. There's only one debt that he accrued. You said three at the beginning. I said he opened it, but I said there's one that he used. So what's the status of the other two? They're mine, aside from when I helped with the repo. So he opened them, but you took them. But you managed them. Yeah. Bank of America. Yep. Is this one up? Is this one what? The one he racked up? No. I really want to see the one he racked up.

$2,169.47. The minimum monthly payment of $74. Gosh, basically at the credit limit. No surprise. 14 years to pay off. Okay. Again, it doesn't... You. You kill me. You kill me. You made more than the minimum monthly payment, but then you went and purchased on it anyway. And then $53.24. Every single card we've looked at, you've purchased on.

So I don't understand what your intent is in finance, in life. Your goals are not aligning with your actions by any mean possible. I honestly don't. I've never. Finances for me has always been in the back just because I've been focused on other things. Like what? Like when I was in school, I got so good money from school because I would get a stipend because I was on. I don't have student loans. Yeah.

Because essentially my California insurance didn't work in Idaho. So I had to pay out of pocket for their student insurance, which was like a grand a month. What? Health insurance? Yep. Why weren't you on your parents? I was, but they wouldn't accept it at the school. Well, hold on. At the school? Yeah. So the school medical? Yeah. Well, go off campus. No, like, it's like you have to have proof of insurance to be a student. Yeah.

Like you have to have insurance. I could see it, but why aren't they? So the insurance, the reason they didn't accept it was because it didn't cover out of state non-emergent things. It only covered emergencies. Oh, so they didn't accept that. But they recognized that as existing, it just wasn't the coverage. Yes. Yes. And so they declined it. And then I had to get the student health insurance. And that was like a thousand dollars. A thousand what? Dollars a semester. Okay.

You borrowed for it? Scholarship didn't pay for it? No. Okay. Okay, the bank of America. Electric and electric? What? Wait, B-A. Oh, that's your payment. Sorry. Oh, Amazon. It was an Amazon order. Great.

Another $429. Fees! We've had fees this year! $95 of fees! That's either missed payments, late payments, or over the credit limit multiple times. Probably three times for something this year. Maybe two. I think it was two. Do you even know? Two late payments? How long have you been in this job that you're in right now? I'm glad you got something new. April.

Why have you accepted it for so long, working like a half an hour a week? So it wasn't always this way. Originally, I worked for three different agencies, but I wasn't getting... Why'd you stay? So I left. So I did leave. And then I picked up this client and I really like them. Why? They're not giving you money. The only reason to...

have the job, well, job purpose, but I'm glad you got the purpose part, but you also need to be able to pay bills and live a life. I've been probably too focused on the purpose because I did have- Purpose, you're never even there. I know, but I did have another job before that paid better and I had better hours, but then I quit it to take time to study for the MCAT. Which I'm not necessarily opposed. It's just, but you've been in this job for so long.

Okay. And I was worried because I got really, really burnt out. You f***ing this. Next one also has purchases. That is five credit cards in a row. The credit limit is $2,000 and you're at $1,974. Yeah, congratulations. Guess what? You paid off more than the minimum fee payment. It doesn't f***ing matter. Whatever difference you made, the almost $100 of purchases are completely negating it. $72 of minimum fee payment on this. So we had some parking.

gas i think but then caregiver background yeah i have to renew my registration with this why on a credit card i never have the cash because i i've just been putting all my money towards okay sorry sorry we already went through this i'm sorry i'm irritated i know i want to process this so i don't just blow up

It's the fact that you're putting more than double on all these damn cards, which great. You don't have any money. So then you just negate all partners by putting the money right back on the cards. And then the interest is going to then you have fees growing on some different parts throughout the year. So why put the extra money towards the cards? Why even put extra money towards the cards? Because you just put the balances all the way back up. It doesn't even make any sense. So why even do that? Why even do that? Have the money in account. Spend it. Whatever is left in a

We put towards the card. One card at a time, too, not all. So I just, I don't get that you're going about this. I don't either. I felt very, very lost. And that, yeah. I just haven't, it's so, it feels so overwhelming. And I don't, I don't know. It's like I woke up one day and then, boom, it just came, it just showed up.

Obviously, that's not how. I know that's not how it happened, but that's what it felt like when I started caring. Okay, when did you start caring? When I started watching your videos. It was only a month ago. Yep. What have you done in a month? Canceled a bunch of my subscriptions. Okay. Make lots of sandwiches. That's easy. Stop it and get in the food. I've been making lots of sandwiches. Really? No McNugs? No McNugs.

But I still am doing what is wrong in that I just, I don't have any cash. Like I just keep, I just put it. But that's not being reflected in these statements. And we haven't even gotten to your spending statement. And this spending shows the month that you started to care. So that just, it feels like you're bullshitting me. I'm not. But the numbers don't lie. We had your most recent statements. No.

So what are you talking about? Maybe it's more of a feeling to you instead of the objective truth. It's a feeling. It's a feeling. You feel like you're trying to... Maybe you cut back 5%. I feel like I'm trying. I do feel like I'm trying. We're going to get to the spending statement. I already told you what percentage went to bullshit. It was a crazy percentage. And of course, you spent more than you made. So wherever the trying is, it's not really... Okay. Okay.

32.24% interest. So that's kind of tied with the bad one, right? They're all bad, to be clear. Green Sky. Is this one? Is this the Pops? Yes. Okay, I recognize Green Sky, yes. Whoa, what is it? It's 12,681. They redid the yard. In your name? Yes. Oh, fuck.

What do they even do? It's all turf now. You better roll around in it. Get its money worth. They really like it because it's easier to clean up the dog poop now. Yeah, yeah. But I should have asked more questions about I and I should have asked more questions. I did not understand what I was doing.

Because they talked to me about it. They did. Wait, they talked you into this? So he didn't open it without you knowing? No, no. He talked to me. He talked to me about it. He asked me. Kind of at the beginning, you kind of led me astray. You made it sound like he was just taking out debt in your name. But they may have manipulated into it. I'm not saying that's okay. No. But you made it sound much different. You made it sound like he was just taking out debt in your name, like credit fraud. But they've convinced you to do this.

First of all, gross. Get away from them. They might not know what they're doing is evil and horrendous and bad and disgusting. But their ignorance isn't an excuse in terms of you having to put up with it. So you need to get away from these people being able to convince you. The rest of it is...

on me it is on me aside from one car substantial loan how did they convince you and how did you accept it they asked me to co-sign on the loan oh you're co-signed okay but i'm i don't know who if i don't think it's my dad okay maybe my mom i don't know he didn't know that it was going to go on to my credit are they paying for it yes okay

Okay. But it's really, it's just the one card. But you said they had a conversation with you. Yes. What was the reasoning that got you over the line to be like, okay, whatever.

I didn't know what it meant. Like I thought... Then why did you say okay? Because I thought... Okay, in my head. So they basically don't have the best credit either. What? And... Are you sure? At that time, I had pretty decent credit, I think. I wasn't watching my credit then. Your credit's about 650, I think. Yeah. And then... Right now. Yeah. And then...

They came to me and, you know, they wanted to redo the yard, whichever. And then they asked me to co-sign on the loan to do it because their credit wasn't enough. And I did not understand what co-sign meant. And in my head, I thought that co-signing was like kind of like vouching, you know,

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the free money because i'll punch you yeah and and i didn't know that and it sounds like he didn't know it either your parents didn't know it no why did you really make it sound so victim me at the beginning then when this a lot of this were your decisions more than you suggested i kind of i didn't mean to it's really just the one card that was his what who the are these people

What am I looking at? It's like anime. Oh. Like Game of Thrones. Classic anime, Game of Thrones, yeah. Sure. Okay. Keep going. Um, but... Okay. This is, I don't know. $189 minimum payment. I get that they're taking care of the sand in the car, but I mean, they go, they crash, they die. I hope that doesn't happen. You're f***ed. Yep.

Because by the sounds of it, you're probably not getting any money from them. Maybe some life insurance. We'll see. But who knows? No. Sometimes. But I won't ask for it. Sometimes what? Sometimes they'll give me money. Oh. What? Okay. And...

How does your guys' money relationship work? It's really, it's not good. I want you to not separate from them as a daughter. Separate from them as finances. But that means you moving out. But I don't know how we're going to do that with this school thing unless you get accepted into that program that you're trying to do. Okay, so again, $12,681.68 at a 7% interest rate rounded up by 0.01% and $189 in monthly payment.

All for some turf. I've been thinking of getting some turf. It's really great. Because I got two dogs and it'd be muddy. Oh, it helps. It helps a lot with the cleanup. Okay. So how many semesters were you there? Ten semesters? Five years?

No, four years. Okay. You borrowed more money than you suggested if it was $1,000 a semester. I didn't suggest that I was only borrowing $1,000. I said I borrowed for that. And then it was just... And then more? Yeah.

I didn't know. I just, you know, they filled out the FAFSA. Who they filled out the FAFSA? My parents. Oh, we're back to that. Okay. And then. My gosh. I thought that was some. I thought that's what parents did. I didn't know. They could help you, but these aren't parent plus loans.

No. So yours. And so I, I, I had no idea. And then basically I, how it showed up to me was in my student account. And it was just like, oh, you have this amount of money to take. Do you wanna? Huh? Yeah. Yeah. What did you just say? It like asked, it said, okay, you have this amount of money available that you've got approved for. Do you want to take it? Oh, do you wanna? Yeah. Oh my gosh. Okay. That came out as one word.

Okay. 5% on one of them, 4.5% on the other, 2.7% on the lowest. $10,133.32. You paying? Yes. What's your payment? Like 80 bucks. I would have guessed about 150. You're on an income-based payment thing? I have no idea. I just go online and it gives me the amount to pay. I don't see on this. I don't think this is a...

Literal statement or else it would have showed your payment. Great. Okay. All right. Okay. Any other debt? No. Any other debt? No. You owe money to your aunt. Oh, yes. Yes. Sorry. How do you? I thought like statements. Okay. Why do you owe your aunt money? How much money do you owe your aunt? $2,670 something dollars. $70 something?

Something. Okay. Why? And since when? That was the card that got racked up by my dad. And then when he went to visit her, she was like, well, I'll just pay it if it's a problem. But you owe it to her. Yes. So I guess there's not interest, right? No. Okay. So we saved ourselves there and potentially a minimum payment, but...

In the end, you still have the debt. You refinance it at 0% with a questionable payment. Do you have like a payment agreement? Like about 500 every month. I get help from my dad though. Huh? Oh. Since he was the one that... How much does your dad put towards that 500? 500, that's...

He puts like a majority, like normally. Okay, give me a number so I can budget you. So you still have to pay $100. He better, yeah. What the fuck does that dude do for a living? He's retired now.

There was a card we had a statement for, but she said it paid it off fully. So we didn't print the statement. Is that what it was? Yes. He had a DoorDash order on it. Was that him or you? Nope. No, no, no. Does he have access to it? Did you close it? Close it. It's your thing. Just close it or request a new card. I don't care. And honestly, you shouldn't have access to credit cards because you don't know how to manage them to save your life. Yes. Access has been removed. You said he was an attorney? Yes. Okay.

He was a... Now he's a... Dead be dead? I don't know. What's his new job? He's retired. How old is he? He is 65. Okay. No, no, not 65. He was born in 65. So like almost 60. 59. If he was retired, why is he going into debt on someone else's name? He didn't retire on his own. It was for medical reasons. Okay. Okay.

And he didn't have anybody saved. There was no medical anything that he got. He gets a little disability, but not much. Social security, what is that? Maybe. Or has he not started to accept social security yet? I don't know. I don't know about his business. Great. He only uses your money. So I'm glad you don't know. Okay. $10 in this checking account.

Some marketplace you went to. Oh, my. Here we go. Spotify. You can listen to ads. You can't afford bills. I don't give a listen to ads. ATM would drop for gardening. Twenty three dollars. Starbucks. Apple bill. When it's I got some BS. Apple bill. What are these? Twenty nine cent Apple charges. It was just. What are you getting? Tick tock.

For 29 cents, what? Like the little, you know, you can send. To who? To why? It better not be that popcorn so good, girl. No. Who? Like streamers. Like cod streamers. On TikTok? Streaming cod on TikTok? A bunch of people. Can't even like see the full screen. It's on TikTok. Well, some. Oh, you can't. Can you go horizontal? Yeah, some you can. Stop. You don't have money. $8 tip there, maybe. I don't know.

communal coffee starbucks knockout danish and donuts better buzz you guys see what's happening this is someone who's cut back better buzz starbucks terry coffee more apple bill probably super and you're it sounds like you're going on dates every five seconds of your life to pay for food so we're probably getting super likes and super swipes no apple bill no

I'm not getting super likes or super swipes. And I'm not dating anymore. I deleted everything. And I never, I would never pay for a subscription for a dating app. Yeah, it's usually the men that have to do that. Apple bill. We're the customers. Uber Eats. Give me your McFries. Oh, we actually did because then we went to McDonald's. And you went and got some bullshit. ATM withdrawal $33.50 for gardening. Apple cash that out $70. I...

I had gotten... That came back. I had gotten into a fight with my dad. Another one? Yeah. Oh, good. It's healthy. And he was...

getting my car washed for me as like a treat and then um so i got mad because he was like using it against me and i tried to send it back oh my gosh why does everyone use everything against you apparently if a guy buys a dinner out going on a date you know they're no no they use it against you for intercourse if your dad gets a car wash he uses it against you why does everyone use everything against you

He did, but he sent me the money back. So we can no longer use it again? Okay. UCI some admission? No, no. That was a med school application. Glad you got into a med school. I am. And I'm waiting to hear. I know that's hard to get in, so. I'm waiting to hear back from a couple more, too. Well, do you have a preferred? No, not necessarily. Yeah, I was going to say, med school's med school, man. I just need to get in. I got into one, so I already. Oh, ATM withdraw, ATM withdraw, ATM withdraw, ATM withdraw, all for gardening. Great.

Yeah, I probably can't afford this bulls**t, dude. Not for a single second of our life can we afford this at this point. Because you've said so many times throughout this conversation, yeah, I didn't have money. So it was put on a credit card. Did you just see the checking account statement we went in? It was spending, spending, spending, spending, spending, spending, spending, spending on bulls**t across the board.

I will say. Will you? Yes, I will. That statement was July and beginning of August. And I told you that I've been trying to make changes since mid-August. This went to mid-August. It went to like the 12th. I'm talking like literally. Also known as mid-August. The 14th. I remember the exact date. Shut up. I swear. I swear.

Great. I'm glad that you, just like everyone else, changed habits as you conveniently applied to be on our show where your finances are. That's what happens. And then people go off and then they fuck up still unless you actually take a real change and not just a temporary. I want to make sure I look good in front of the Internet. Yeah. OK, so I don't want to hear it. Two hundred fifty one dollars in your investment account. OK, so nothing. What are we trying to do here?

I want to get out of debt and be smart about it. Why do you want to get out of debt? Because I want to be able to go into medical school in the right way. Are we going to do that? Are we getting out of debt before we go into medical school? That's the goal. $54,364. At least my credit cards. At least my credit cards.

Because at least with the green sky, you know, my parents cover that. Okay, so half. So probably like $25,000 of credit cards? I think it's a little bit less. I think right now it's around $12,000. Oh, sorry, I was calculating student loans. Yeah, and so I think it's around like $12,000 in credit card debt right now. When did you hear about this program and how competitive is it, this military thing?

When I submit my application, that's what I'm working on right now. So it's a lot of paperwork. When I submit it, it goes like before a group of people. And then he said I should find out within the month of submitting. What's it called? For the Army. Because I think the Navy and the Air Force have one too. But I'm doing it through the Army. Let's find out.

He said I have a good shot. I'm not going into it, banking on that. It's not disclosed. Typically offers around 300 scholarships per year. How many apply? What was your MCAT score? 503. Okay. Well, you barely made it. Yep. Because you need 500. Yep. What was your GPA? 3.94. Barely made that cut off too. You were a little better there. It was 3.2. That's like 0.7. That's not barely cutting it. All right. Calm down.

I only got two B's in college. Yeah, you're right. No. But, yeah, with the MCAT, yeah. Okay, they offer 300. No, you're right about the GPA, but... And the rest of my application is competitive aside from my MCAT score. Gosh, they don't say how many people apply. It's not public information. No. And neither is the acceptance rate. No. The program is very competitive if it says though. Yes, and I'm... I mean, 300 and I... In a country of like 350 million people...

Gosh, so we can't rely on this. No. Obviously, we hope you get it. Yes. Of course. Absolutely. I'm not relying on it. Gosh. Usually, I can like, oh, I wish I could do something. Like, letter of recommendation. Not that they would care about me. Oh, the f***ing tumor. I'd gift you a course career certification, which I recommend for really anyone. But again, that doesn't help you here. It helps most people on the show. I did get two more jobs.

I'm going to be working. Yeah, I know. I'm just trying to think of, yeah, I know, but even medical school is crazy. Like you're going to be borrowing what, like $250,000 to $500,000? So it's just like, yeah, we can pick up some jobs, but that's some money. Like we need some real good jobs working full time to pay for that. I mean, it's going to have to be a loan or a scholarship. Okay. Yeah, but you're white, so you can't get scholarships, you said. There's like a few that I have looked into applying for.

And maybe I should, but it's only like a few grand, you know, in the grand scheme of things versus $250,000. It's not the greatest. Like, I think there's some athlete scholarships I could apply for. For medicals? For like NCAA. Like you can get scholarships. Yeah. For like graduate programs, at least.

I know one person got it. If you're playing the I'm white card, so I'm not going to get a scholarship. At least you're a woman. I know. Right. Because if you're going to play that card, then probably you could go to the extreme and say, if you're a white man, you're the least likely. So that's true. It playing your logic. That's true. No, that's all. I kind of thought about that. I did almost become a white students receive 70 percent of scholarship. Really? Wow. For what, though?

Full tuition scholarships. But for my, okay, I will say my income middle class is the harsh against me. And I kind of explained. Listen, I'm not fighting against it. I'm not educated on the statistics around scholarships. So when you throw that at me, I'm just playing into your own logic. Like, I don't know. So it's not worth going down a rabbit hole here. I'm sure there's going to be more people with opinions in the comment section. It's totally okay. I just, I'm legitimately just not informed on.

I just, I really hope you can get in this program. I'm just trying to think. I'm okay. Some people are completely against student loans and all things. I think if we're focused, if we get a good specialty in medical that we know we're going to be making a good return on our investment, you can take out student loans. We just need to talk about a debt repayment strategy on the other side of it. So I am okay with that.

Yeah, we can go about it in a smart way. If you go out and you just barely make your minimums and you just start living a high lifestyle after medical school or you go in and you're like a, you know, general practitioner, you're not making as much, you know, it's just like which also that's not necessarily bad. But if you take out a student loans, it makes it much harder. Yeah. So there's ways to go about it.

Okay, so obviously we want to make you a budget. Yes. Put you through all the education. But when do you want to go to medical school though? Because it's next year. So July, August. So we have barely less than a year to get out of credit card debt. That's why. So that's our goal here. Yes. That's a good goal. I'm glad you actually have a goal. Most people don't have a goal. This is actually pleasant to hear. Yes. Thank you. Income. Can we say, do you know what it will be? Like, I don't know. What's your income going to be?

So I'm working seven days a week. I'm working four hours each day at $20 an hour with that person through my agency. Then I'm going to be working at a juice bar for an additional four hours after that part time. So that will also be 20 hours, 28 hours for the agency. And that will be what your income be? Oh, I don't know. Like I'm hoping to get to at least over two grand, two grand.

Yep. After all that, we're only talking $2,000 a month. I haven't looked into it. I haven't done the number calculation. I'm not going to put an income. Let's see what you just need. How about that? Let's start there. I'm not going to include the bills that your parents pay for for the debts, but they could come and f*** you over. So just acknowledge that existence. Yes. Actually, I'll show you an if, and, or, but. $660 without them.

or your bills, but for some reason they stopped paying. Well, on the yard, the car, they want you to take it over. So let's add the yard and the car. Then you're at $1,246 a month, you know, over doubling it. Okay. Do you have to pay for utilities or anything? Any kind of rent to them? Okay. How does, how does food work at the house? Me? I am responsible for my food. You are. Okay. $300. Follow our meal plan. Tweak it to your needs. Okay.

I did have a question about that. Oh, sure. What would be most comparable to H-E-B? I don't know. I don't live there. But just... Or even in big chains, you know, like Walmart, like Winco, maybe. And I think like Kroger. I don't know.

Trader Joe's can be okay. That's pretty pricey. It can be. It's really dependent on what you're getting. Again, it's just like go on the website. See if you can price out things on the website because that's how we did our meal plan is using website prices and then building out. You go and you get that brand specifically. TP Fund. This is for all the things you else need to survive. Make up all the goodies. Okay, so good. Car insurance.

Do you pay it or your parents? Parents. Okay. So again, this victim thing at the beginning, like it gets less and less and less empathy. Yeah. As we go on. I'm very grateful. That's why it's really. No. Gas. Me. How much? About $150 a month. And gym? No. Got to be working off them McD's, McDonald's, McNug's. Anything else that needs to be in your budget?

I'm not putting subscriptions. Do you have a pet? My dog. How much for pet food? Probably like 50 bucks.

okay do you have pet insurance no you should it just saved me literally thousands like two weeks ago you know i think i did actually talk to my mom about it and she said that talking to them about money well she gets vet insurance through her work so but she just hasn't been using it so i told her after watching your show okay well i'll put 35 in your budget just in case let's see what you need to survive is there anything else that needs to be in your budget that we've not accounted for yet

No. Obviously, you'll build a more detailed version after going through the program, but this is going to give us just a high. Okay, $1,235 a month. Okay, that's not hard to get. But what's hard is we need to get your credit cards taken care of, right? Yes. That's the big thing here. So we got the Capital One, $5,309 plus Credit One, $1,580. Okay.

Your aunt. Plus, yeah, but your dad's helping. Big majority. Marriott's 1,946. My aunt watches your show. Hello, aunt. Make sure you smash that like button, aunt of Maya. Is she going to watch the post show? Because that's where we get a bit more wild. I don't know if she has the Patreon or the membership. This will be my first post show. It's fun. Yeah, I wouldn't want you to subscribe. No.

Okay, so just the credit card is $12,780. With the money you have left, if you say... Okay, no, no, no, no. You have 11 months to pay it off. So what do we need for that? We need... And this is without taking any interest in account, but it's also without taking any snowball in account either. So $1,156, let's call that. That's what you need to pay towards that on a monthly basis to pay it off by the time medical school starts. Okay.

I mean, we can do it. I can do it. I know I can do it. Yeah, but to be clear, in order to do it, you need to bring in minimum into your account, $2,391 on a monthly basis. That's your literal minimum? Yep. Literal minimum. Only put the money towards the smallest debt. Nothing extra. Minimum three payments and everything else. Then just keep rolling it over into the next smallest one. Don't look at interest.

Just snowball works best for you, I think. Okay, not moving out until we go to college because that would add more another line item. But again, that might make it even harder because you and your family, it's questionable. Okay. And it also means you're literally not spending a single cent

Outside of our budget, which is hard. So what I might do is aim to bring in $2,500 on a monthly basis. Easy. Okay, but you're not and you haven't. I haven't. And you still aren't even with your multiple. I'm biting the bullet now. I'm biting the bullet because I'm biting the bullet. The one that's 32 hours a week, it will be 12-hour shifts. So I will at least get a little bit more for the extra four hours on top.

Because it will be at a hospital. And then I know it won't be that much, but tips from the little juice bar job too. Sure. So what I want to see is I want to see you right back in that chair or virtual, but preferably right back in that chair in 11 months, right before you go off to med school. And I want to see every credit card paid off. Okay. Now, what I would actually prefer is again, you know, make it a little more and headed off to med school with at least like

$3,000 saved up for a small emergency fund. I would rather more, but we have limited time here. But

That's what I want to do. Your aunt would be paid off by then naturally if your dad doesn't f*** up as he's done. The yard and car, scary. And all of a sudden we have to start budgeting. Again, this whole situation gets thrown off, by the way, if your parents start requiring you to pay for the car within the next year. Then you're just going to have to go find an extra $397 minimum. Yeah. And probably car insurance too. If they're going to make you pay the car payment, they might make you pay the car insurance. So...

There's a lot of ifs, ands, or buts here. Yeah. And then the pseudolons...

We'll worry about that after school. They'll enter deferment. I do have like a small plan. I know it will be really challenging. What's your plan? If I have more expenses in medical school, since I will be carrying my CNA license, to just kind of do what I've been doing, even though it's bad, but do it in med school, like working with an agency. It's going to be very difficult to work while in med school. Med school, law school, very hard to work while there. No, I 100% know. You're balancing correctly. Yes. Okay.

And then once you're in residency, you still will be making like. Oh, yeah, I know. So this is a long term game here, but you could live an absolutely incredible life. You really could. I mean, I'm in it for the long game. I just I. Then you need then for the short game sacrifice. If you're really in it for the long game, focus on the short game, which is big sacrifice right now. Yeah. And I hammer score. Then we'll bring in the producers, do the post show, talk about some extra drama we haven't had here yet.

We always love doing that. You guys can join that. Link in the description below. We have a lot of extra shows and stuff. It's pretty fun. But spending in a budget, you overspend it. So zero out of ten. Debt. No collections. I know, so it's not a zero, but it's a one out of ten. It's pretty much as bad as you and your situation can get without the collections or IRS debt. One out of ten. Emergency fund.

Zero out of 10. There was nothing, right? Retirement, you barely started. So I'll give you a one out of 10 real estate, nothing, zero out of 10. We only rhymed up unless I hate someone and I don't hate you. So Amherst Financial Score, 0.5 out of 10. Make sure to join us in the post show, link in the description below. And check out our investing and budgeting program, which are the best on the entire internet.

Bundled together at a 15% discount. See y'all in the post show. Today on the Financial Audit Post Show. My last guy that I dated, I swear to God, he was an NPC. Thanks. What? When you held his hand, he had to have his thumb on top and he would get genuinely pissed off. He would never let me pay. Ever. Ever.

That's so he could get sex. And then he would complain about the fact that I didn't pay for anything. I was just joking, but never mind. I guess it's true. No, it's exactly what happened outside of the restaurant. He wants to do it in the back of his car right there. All right, people need to have a little bit of patience. It's crazy out there. To watch the financial audit post show, click the join button below.