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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Hi, this is Ariana, 31, from Corpus Christi, Texas, and this is Financial Audit.
Thanks for coming over from Corpus. So what do you do for a living over there? So currently I am a personal shopper at a major Texas grocery store. Oh, I wonder what that is. Okay. And at that major Texas grocery store, personal shopper. So is that like when pickups are coming, you're going around and getting things? Yeah. So it's like the e-store curbside, all that. Okay. So you're walking around picking up things in the basket. So last year you made $25,386. Yeah.
Not much at all. How are you surviving? Mommy. Wait, 31? 31? 31. Okay. Yeah, that's a bit low for 31. Yes. Quite a bit low for 31. Yes. So, wait, what'd you say? Mommy? Mommy. My mom. Okay. At 31, how old's your mom? She is 58. You kind of look like a mom with the glasses. Those are some librarian glasses right there, aren't they? Yeah. You like them?
I like yours. Thank you. Yeah. Okay. So she's... How old is she again? 58. Oh, wow. Okay. Actually... Yeah. No. That's good. Yeah. So...
- You're relying on your mom. What else do you do? How many hours a week are you working? - So I strive for 34 hours a week. - Wow, okay. - Just because again, they're like hours are erratic. So I usually get less than that. - How long have you been working for this chain? - Three years. - What were you doing before that? - So before that I was overseas. I was an English teacher abroad. - Where? - China.
Really? Yeah. So I literally came like from the pandemic. Do you have a degree in education? No, no degree in education, but I do have my degree. I have a bachelor's in political science. Okay. Did you like teaching? Were you ever considering being a teacher here? Yeah. So I actually, before even thinking about trying to like go into teaching, I tried to sub a
But I did not like it at all. Like, it was just, like, not for me. Like, the culture is just completely different from, like, abroad to here. I mean, day and night. Completely. Okay. But, again, making $25,000 at 31 is quite rough. That's, like, a, you know, entry-level post-college. Like, even there, you know, we're looking a little low still. Yeah. Like, 25. Yeah.
Okay, what else do you do then during the week? Because you're barely working, so where's your life? So currently I went back to school. I went back to school last semester. You're back to school? Yes. You have a bachelor's degree, but you're going back to school. Okay. Yes. Going back to school for what now? So this time it's a trade per se. It's for stenography. So to become a court reporter.
So the people who sit in court and type. I feel like that's chat GPT in a couple of years. Everyone thinks that, but it's certainly not like not at all. Why? Because. I mean, sure, the government doesn't really adapt to new technology very well. It takes them about 50 years. But yeah, well, that's one thing. Beyond that, with how quick that's moving. Have you seen how it's progressed in just one year? Yeah, but. It's kind of like ridiculous. Have you seen the YouTube captions? Yeah.
Is that the best argument? Because they don't incorporate like chat GPT. They have their own AI. Yeah, but even then. Even that within a year has gotten so much better because trust me, I'm on this platform. So I've seen other captions go. But how quick it's moving. Punctuation is not great. The chat GPT 4.0, chat GPT 4.0 and the conversations you have with it and it being able to take exactly what you're saying in and have a full on conversation with you. And that's gone from chat GPT 4.0 in what, six months? So what happens like by the time you're done with it?
with how quick this is going and it's not i'm not saying like yeah i want you to be replaced with the computer i'm not saying that i'm just like i'm just like whoa if there's a job that's gonna be replaced it's someone who's typing out words that are saying yeah but even then i mean what happens when the lights go out what happens when you know you yeah i mean talking about yeah what light lights if they all completely go out dark
then I can still keep working. Technology can't keep working if there's no lights on. Dude, if all lights are going out, I don't think a f***ing portal law is, like, existing. I think it's going to be anarchy. So I don't know what you're typing if all lights are going out. If we're in that kind of apocalypse, solar storm completely destroys our electronic system. I don't think f***ing people are coming. Oh, f***!
Oh, let me go get a person who can type on a typewriter. Yeah. But, I mean, they've been saying that. And let me check if they have a degree to do it, too. They've been saying that about this for a long time. I mean, even... Yeah, but where's the technology been? Gosh, I don't want to be a Debbie Downer. I know I kind of am right now. I'm just thinking of where technology is. It's just like...
- We even adapted technology because when I, I actually did that before going to like getting my bachelor's. I went to like an early college high school. So I got like credits and stuff. And that's where I first got introduced to this career. - Yeah, that was over a decade ago. Okay. - Yeah. - Completely different technology. - Exactly. And when we first started doing it, it was on paper.
Great. So you guys upgraded to the 21st century. I'm very proud. Yeah. I'm so confused how that, how does that negate like where current tech, whatever. Regardless, I mean, it is. Fine. All I'm going to say is I hope you get to have the career you want and I hope it's not replaced with newer technology.
Well, I'm nervous. And that's that's where I leave it, because there's really no point of having an argument on hypotheticals. Well, regardless, I mean, the actual career pays six figures. Well, it exists. Yeah. Yeah. So, hey, I can build. I mean, pay six figures. Yeah. Is that the median? No, that's the starting. Starting. One second. Yeah. One second. Let's get some Glassdoor in here. Yeah, go for it. Spell that career. Court reporting.
Oh, that's specifically what you want to do? Yes. If it's that expensive, how competitive is it to get a job? Because it's not like there's a court every five feet. Yeah, it's not that competitive because a lot of people don't even make it through. It takes a lot of dedication. What?
lots of hours like what practicing i mean yeah okay well that's like everything that's like i want to see you type okay first of all the average court reporter in texas salary is 61 000 as of april 24 2024 and it ranges between 44 and 80 so i don't know what you're talking about six figures well the last okay fine you're right maybe it's just one source so let's check zip recruiter
Okay, $35,000. Get up to about $50,000. Okay, let's try Career Explorer, salary.com. Okay, $58,000. No, definitely. Could go up to just over six figures. Okay, so how many do we have to test and tell whatever hopeful thing you're getting? Salary.com, $45,000 to $82,000. Court Reporter, average salary in Austin, specifically $94,000. It's a higher cost of living place. Yeah.
It's a higher cost of living place, so that doesn't mean the entirety of Texas. Yeah.
No, I just saw a job before going back to school. So again, one semester ago. You saw a job posting? Yeah. You're basing that. It was one year's experience. That tiny town outside of Corpus. It could have been a completely different thing where they just could not get someone. They just could not find someone. Exactly. That's how hard it is. The job market changes constantly, dude. That's not how that works. But not a lot of people go into court reporting. How many court reporters do you know?
None, but I barely know anyone. Oh. I don't really want to. Well, that sounds like a new problem on mine. I wouldn't call it a problem. I'd call it a me existing and not really caring to me a bunch of people. I already have my friends. Thank you. So I just don't have my lover. We'll work on that one too. Well, okay. Yeah. I don't know about that. So...
Okay. Well, either way, like I literally looked it up for the entirety of Texas and all those salary reporting sites gave completely different information than what you said. And all you based it off of was one job posting a couple of years ago when the job. This episode is brought to you by Shopify, whether you're selling a little or a lot.
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Maybe. Hey, the whole network of court reporters. And again, a lot of it comes from freelancing. The cult? What is this? Is this something like Spectre? Yeah, I mean, there's a lot of freelancing because a lot of lawyers need court reporters. Listen, again, I'm not against it. It's just like you gave wrong information. Mm-hmm.
No, you gave wrong information. I literally fact-checked you on the spot. Yeah. You gave wrong information. Hey, again. You said the median salary was over six figures. It is. It can be, I guess. That's not how the median works. What the f*** are you talking about? Do you even know the word median? Yes, middle. Buddy.
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Okay. How much more school do you have? Two years, I think. Okay. How are we paying for school? Cash. Really? But you're making $25,000 a year? Actually, not even that. Because you've probably cut back hours to go to school, you only brought in $1,400 last month. Which, by the way, do you know the median salary in the United States?
No. According to you, it's probably going to be like $250,000, but what do you think it actually is? Take a guess. Take a little spooky guess. All of US? Yes. The country we live in. Yes. Maybe like $75,000? Oh my gosh. You're a little out of touch, aren't you? I guess that's what happens when we can rely on mommy. $48,060. Yeah, you're on track this year to make $16,800. Yeah. Yeah.
median salary for personal shoppers in texas by the way 34 260 so even last year you made about 10 000 hours less than that well i just got a raise that's why so so you're making less because i just got a raise no i'm making more you're on track to make 16 800 this year according to your most recent statement so i don't know what the fuck you're talking about
Well, in the summer, I'm going to be grinding. Girl, we came in with information. We're not allowing you to spit some bullshit. In the summer, I'll be grinding more than during semesters. Okay, so three months. Is that going to make up for the other nine? Not quite, but... What's a semester of school cost right now? So I only take one class because, I mean, I obviously have like all my... I have a bachelor's, so I don't need any other classes, but the core, which is for core reporting. I only take one class because it's per...
Like speed level? One class a semester for two years? Yeah. It's per speed level. It's like $500. Oh, it's cheap. Yeah, exactly. So it's... Okay, well, that's easy to cash flow. I was going to say you're earning enough in a month. Yeah, $500. I can save that in a month. I mean...
- Let's jump into your money. Give yourself a score zero to 10, zero being the absolute worst, finances 10 being the best. I wanna see where you self report. - Well, before I-- - No, I wanna know now. Now, today. I don't need a story. - Three. - Okay, okay, three. If you want your Hammer Financial Score, it's free in the description below. Also, if you wanna come on and get fact checked in real time, calebhammer.com/apply. Okay.
So you say you live on mommy, but we have so much debt. We're about to go in to these credit cards. Yes. How did we get into this debt in the first place? So the majority of it is taking a lot of flights to Britain. Britain? Yes. From China, from the United States, from both? Well, the first major one was from China to the U.S. What are you doing?
um well i'm trying to save the queen didn't work no not at all i was trying to save my relationship your relationship yes i had a long distance relationship that's real long distance that's ocean yeah so that story is i got with my wife
um in china we were there together and then after the pandemic we both had to separate because i mean you know we each had to go to our respective countries and so then um i had to go fly over there multiple times did she ever fly here she flew here once how many times did you go there at least three okay well three flights shouldn't be where's that that's a
Well, it depends. I mean, the flight during the pandemic cost of flying was so cheap. I mean, I'm like you'd rack up like 3000 bucks in flights. Maybe I'm just thinking. Yeah. But of course, obviously it costs money. You know, you stay there. How long would you stay there? So the first time I stayed there six months. Oh, that's OK. That's not a trip. That's a. Yeah. And then the other ones, it would be like two weeks each time. OK. It was the last time you went. Yeah.
I think I went sometime last year in May, I believe. So it sounds like you guys are not dating. No, we're divorced now. Well, we just filed for divorce. We just filed for divorce.
So you're going through a divorce now through this whole thing as well? Yes. Are you going to be stenographing the divorce courtroom? Yeah, probably someone else though. Not me, but someone else will probably be doing that one. I'm sorry to hear that. I would never want anyone to go through divorce. Does she live in the United States? No, she lives. So you guys married cross ocean. Yeah. The big beautiful ocean. Yeah. I mean, with the hopes we were going to be together eventually, but that did not work out at all.
But it's not through anyone's fault, I will say. She just developed, like, a chronic illness. And she figured that, you know, with health care over there, she was already taken care of and all that under her own social... Yeah, under the National Health Service. Yeah. And so she did not think it was wise to move here, which, I mean, I don't fault her at all. And so because of the lack of move, we're divorcing? Yeah. Yeah.
yeah probably other things but that's a major one getting married cross ocean well she came here uh to get married we got married in corpus that's everyone last year that's everyone's like european immigrating to the united states dream oil coast of corpus stunning all right you have a sam's card
Yes. Must love some Sam's. I do. I just went before I came here. What are you doing at Sam's right before a financial audit? I had to get lunch. Not lunch. I didn't buy anything. You went and bought lunch at Sam's? Yeah. Glizzy? No, I thought about that though.
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No, I got a pizza. I got a pizza and it's $2.50 plus tax. For a slice though? For the slice, yeah. But it's a huge slice. It fills up the whole plate. You go to Sam's for lunch? No, just today. Not often. Why today before you know you're literally coming to talk to the one person that would say, don't do that? Where else was I? I couldn't bring a sandwich. Why?
It should be like rotten. What are you talking about? Do you not own a bag? Yeah, I could have done that, I suppose. Do you not own a cooler? It's somewhere in a garage. Yeah, so f*** off. What are we doing? Hey, hey, hey. Why are you laughing? But $2.50. Why are you laughing? Because $2.50 is not. Why are you laughing at that? Huh? What are we doing here? What was that?
That's going to piss me off. It was a cringe. That's going to legitimately piss me off. It's not a joke. This isn't a joke. We can hee-haw, hee-haw a couple times, but this isn't a joke of a conversation. This is like your actual life that this is right now. Oh, yeah, for sure. But there's stuff in there that will probably piss you off more, so you might want to wait on it. $5,895. Yes. Is that an interest of $100? An interest right to Sam. Yep.
$130 of purchases. Great. After only making the minimum monthly payment, the new minimum monthly payment is $159. Fantastic. That's lovely. What are we doing in here? Oh, we're going. We got hot dog combo and pepperoni bowl. That's hilarious. We're destroying our life. Cotton candy grape pickle spears? It's grapes and then pickles. Okay. That's fine, I guess. So merchandise. You got some merchandise? Yes.
Hopefully that just means close. Do you get close from Sam's? No, I don't know. Then you got gas and that's obviously fine as well and you got gas there. You're stopping and you're getting 20% and you want to get pepperoni pizza and hot dogs and it's 20%. You want to get pepperoni pizza and hot dogs for 20%? No.
Not anymore. No, no, no. That's not how this works. That's not a get out of jail free card. I've sat down now. I'm perfect. That's not how this works. Why? Why are you going? Out of convenience, really. I mean...
But that's, I guess that's like all. It takes two seconds to make like a ramen in a thing that you, a soup, a soup in a soup thing. Yeah. In a thermos. What convenience are you talking about? There's so much convenience by just meal prepping is a convenience. You work, you spend a couple hours on a Sunday, you meal prep for a week. So what are you talking about convenience? What convenience? Laziness. Convenience out of different things. Laziness. Yeah.
laziness when are you getting this typically what the stopping and getting the glitz like like in what situation are you going to get in it oh when i'm already going to sam's right like okay it's the exit it's the exit party yeah they got me they get me every time yeah
So I'm like, maybe just cancel your Sam's membership. You can't control yourself. You don't know how to walk past the gliss machine without getting thrown it down your throat. Could you? Could you walk past the gliss? I do. Oh, well, you have a lot more self-control than hardly. Look at me. But like, even I do it. You know, I didn't say that. I didn't say that. You did. What about the rotisserie chicken? Get that.
That's already cooked and that'll be like five meals. Oh my. Four meals, three meals. People fight over those. Okay, well fight back. Oh yeah, I do, I do.
Sometimes. Not all the time. That's probably just a better use of money. What does that cost? What does that cost? Ten bucks? No, yeah. Seven? See? Seven bucks? Seven bucks? That's half of what you spent on your hot dog combo pepperoni pizza. And I can get you a couple meals. Yeah, but you're saying I need to cut off... Are you kidding me? Yes! Yeah.
What? Do you see the balance on here? Do you remember when I said $5,859? Or are you just like, so that doesn't matter? No, it does. Obviously, that's why I'm here. Hey, type this down and remember it. Oh, I could. I could. I have the machine to show you if you want to see it. Yeah. No, sure. I'm genuinely curious. Oh, really? Okay. Yeah. Let's see it. Let's see the future of ChatGPT. Let's see if you can type on it.
Let me turn it on. Well, I wouldn't know how to. It's a machine I've never used. How would I type on it? That doesn't mean that new technology is coming. What? That doesn't mean new technology is not coming. What are you talking about? Well, here you go. You can type on it. This is like saying because I can't play on the organ, it'll never be replaced by the piano. They're two different things. They're two different things. Just like AI is its own thing. This is its own thing. They're two different things. Yeah. Fun fact. Places like to cut.
expenses and if your median is over a hundred thousand hours a year they're gonna be looking to cut that but yeah what am i supposed to do here am i typing something yeah you can type these are the letters over here not that middle yeah it's really neat i could type you a word i'll give you like an easy word so there's only you don't get every letter no you have to have like a combination of different letters to make a word but like an easy one i can write like cat and you can read that oh great you figured out cat
Wait, wait, wait. But you said... Oh, well, you said letters are over here. But there's still letters over here, too. Yeah. These are... All right, follow along with what I'm saying. Okay. Ready? Let's see how you get this right. Oh, it's hard. It's going to be hard. You're being really dumb by going to Sam's Club all the time and spending your stupid money... That was behind. Yeah.
I'm just learning. I'm barely learning. And spending all your money at Glizzy's. I can't believe you're doing this. Why are you spending all your money on Glizzy's when you have that debt and $100 of interest is accruing? It doesn't really make any sense. Don't people talk fast in court? How are you going to be able to do this? Isn't that something that happens? I'm just learning. Just learning. Okay. So... How far did we get? Let me see. Well, you can't read it, but... Oh, so it gets exported into something? Yes, we have our own like... Like...
How many words did you get? 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18. We're at 18. But yeah, I'm just learning. So I'm not going to be as fast. But we have to type up to like 300 words a minute. So I'm not there yet. I think it groans like an old woman when you close it. You should come to school with me. We'll both learn. Nope. Discover it. I swear everyone has this card on the show.
Because it's easy to get. Yeah. Yeah. It really is. Yeah. Also, by the way, mathematically, I'm a little confused how you're saving up for that extra money when you spend like $2,500 a month, but you bring in $1,500. So I feel like mama is playing a big thing in this, but we have to figure that out. It's $1,000 on the Discover at $1,235.76. Minimum monthly payment of $35. Purchases $424. What the f***?
doing okay where's your mindset on that dude where's your mindset on because obviously on both cards we've looked at they're just going up so like i know you're here to get help but like where are you right now because we're obviously just making no progress leading into the conversation well prior to this day probably i was like
leaving everything to the wind you know but i do want to get serious more so now i mean i am 31 i'm just i'm currently going through a divorce you know i think next relationship i would want you know my finances to be better and you know i'm eating on time because you're stressing me out by the way but um yeah what does that have to do with the relationships though i'm so curious
Yeah, I mean, I went into debt for this relationship and I just don't want to do that again. No, no, no, no, no, no, no, no, no, no, no, no, no, no, no. Do you not see what we just went over? You're spending money on it. Your balance is just staying the same. Yeah. So that's what I'm talking about. Not why you got here in the first place. We already had that part of the conversation. That part of the conversation is already chaptered. So what are you doing right now is spending money and not making any progress. That's not because of the relationship. Relationship's done. We've already declared. Yes.
Sorry, by the way, about that. Oh, no worries. That's disappointing. Yeah. I assume, potentially. People with British accents are more attractive. So, I mean, I'd be upset. No, but... Yeah, I mean... Yeah, like I said, I just don't want it to keep going to the wind. You know, I do want it at some point... I'm asking why you... Oh, my gosh, really? Are you kidding me right now? I'm asking why you're spending the money and keeping the... You're not making any progress. Why are you making no progress right now? Probably because...
I kind of want to keep bringing up the divorce, but I, you know, needed to make big changes like my hair, if you didn't notice. Well, how would I know it was a change? Oh, well. How would I know that? No, you wouldn't know, but you would know if you saw the statements or if you're going to look through the statements. We will. And I do know. Yeah. So a divorce means we have to change our hair. Can't win.
Everyone knows you get like a haircut anytime you break up, especially girls and bangs. And I have. I've been broken up with a lot. And my hair has changed like four times in my life. Boy, you don't need to be sexist about it.
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Okay, so at this store that you work at, can we not say the name of the store? Because it's like literally in the statements. Or do we need to go back and black that out? Oh, yeah, yeah. No, I guess you could say it. Okay. She works at, what's the mascot?
Uh, like a grocery bag. You don't even know your own mascot. It's the grocery bag. It's like H-E-B's. My dad works in B2B marketing. He came by my school for career day and said he was a big ROAS man. Then he told everyone how much he loved calculating his return on ad spend.
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LinkedIn, the place to be, to be. Buddy. H-E buddy. Yeah. I think, yeah. You're H-E buddy's buddy. Yeah. Best buddy because what you actually do is you go and you just buy snacks every single day at H-E-B. You're in there and you're like, I can't stop. Can't walk out of. I don't think you can go inside supermarkets. Supermarkets is your weakness. You go into...
glizzy town every time you walk out of Sam's and then you work at H-E-B and you can't stop and just get what are you getting what are you getting okay my regular is and this is I only do it when I have a shift
um so it's literally and we know you barely have those so yeah so it's always the same thing embarrassingly enough it's like the price is different every time so that's confusing but go ahead well usually but what i really like every single time in this statement the price is different so well some of those are actual groceries like milk and bread so but what i always usually get is the like sushi i mean basically sushi all that build up to say you got sushi yeah
I don't like any just I like the little rolls with like lettuce and cucumbers and stuff. I don't know what they're called. Lettuce in a sushi roll? Yeah, and the shrimp and they're like kind of like see-through. You know what I'm talking about? Um, yeah. Spring rolls. Okay. Yeah, those. Those are my favorite. So obviously you like them, but they're worth keeping our credit card balance. Losing hundreds of interest a month across all of our debts. It's worth keeping your credit card balance. Spring rolls? Yes.
I don't. I've tried making them at home, but they just like turn out terribly. From what we saw, I spent about 300 bucks on these shrimp spring rolls. Yeah. Reminder, you brought in 1400 bucks. That's on the low end, though. When I actually get. Oh, great. That means you're on the low end because that's what you brought in. So. But usually I try to get like 2000. Oh, you failed at it because you brought in 1400. What do you want me to do with that? That's what you brought in. Yeah. Yeah.
So $300 to spring rolls is more important than you paying off debt. More important than you getting past this divorce, this new place, graduating debt-free. Yeah.
I've since stopped. No, no, no. This is your statement. This is your most recent statement. No, this is your most recent statement. You do not get to come on here and say, I recently stopped as in you didn't do it yesterday. That's not stopping. I need to see a month or two of stopping. Okay. That's not stopping. Again, if I go on a diet for a day, I'm not on a diet.
What else is on there? Spring roll, spring roll, spring roll. Regular rolls because you went to Texas Roadhouse. $34. Oh, yeah. Yeah, looks like we're getting out some going on new dates. That's exciting. Apple bill. Listen, we all need a bounce back, so fair enough. Holler and hyfer.
I have no idea what that is. I love when people spend money that they don't have and they don't even know what a purchase is. $15.77. It's merchandise of some kind is the category that it's in. No idea. Go inside, get into the bulls**t. Spring rolls, spring rolls. Apple bills. And then this one's okay. Don't like that it's on our credit card, but $75 copay for therapy, I'm assuming. Yes. That's great, but why are we putting that on our credit card?
- Well, 'cause I just, I was gonna use like my regular, just like debit card, but yeah, I mean that card has like no interest right now. And it was like the, like on hand. - Yes, it's interest free right now. - Yeah, until- - For a second. - 'Til November, but- - Which is gonna come up so quick. - Yeah, so I will transfer that to my debit card. - And again, you're sitting at 1,230, you'll transfer. - No, like use my debit card. - For? - For the therapy.
Well, it's going to be at 30%. Well, and that already happened. And even then... Also, your eye already stopped, by the way. I can't believe you even said that because you went to Sam's Club before this and got pizza. So what the f*** are you talking about? You are just sitting there and you are just bullsh*** so much. I traveled here. From Corpus Christi. That's a grueling three hours. Oh my goodness. Three hours. But do you fly to England? Oh, man.
Yeah. Embarrassingly. No. I mean, again, it's only embarrassing because I put myself into debts for it. So, and because I got a divorce. Well, it's far gone. Yes. And that one, I'm just an authorized user. So I don't even make. This isn't even yours. No. But you're an authorized user? Yes. Oh, wait. Whoever you're shared with is actually responsible because they pay it off. That is my mother.
So you can... Yeah. She is very responsible. Why are you an authorized user on there? She wanted to help me build my credit. How's that going? It's actually really good. My credit is pretty good. It's like 680, 690. That's really good. Under 700. That's really good. For me, it was. For you. Yes, for me. Because the entire credit score system is based off of you. Yeah. Well...
I'm sorry. I am saying a lot of dickish things and I'm a bit snappy, but you just seem so delusional on so many things and you're so confident in them. You state these things as facts that are just wrong. Well, they're facts that I, yes. I stopped. She did it today. The median salary for this is over $100,000 a year. It's not.
And then whatever you just said as well. It's like all these things you're just so confidently saying them. I have a great credit score. One of the best credit scores to ever exist. Below 700. Okay. This is great. Okay. Yeah, you're going to hate this one too. Oh, good! Because I loved all of them so far. You're obviously not a credit card person. Use the fizz card, dude. It's geared towards things student-wise anyway, so do that. I'll take your advice on that one. Yeah.
And when your career gets replaced by ChatGPT, I'll gift you something from course careers, which people can get in the description. But, okay. Again, I hope it doesn't. I'm poking fun at that, but also I'm just thinking of like actual technology. I'll call you in a few years. I'll call you in a few years. When I'm rolling in it. We do follow-ups, so. When I'm rolling in it. Wow, I left you speechless. I think that's pretty rare. Student loans. 9,000, right? Yes.
yeah payment's quite low i got a payment plan or is this just a normal payment yeah i'm on a payment plan they're like all consolidated what kind of school are you in right now because it could be paused because you're in school no it's not paused because um you have to be no it's a well it's a community college um but it can't be paused because i'm under uh even the
like part-time because i'm only taking the one class right i know it was really how is it just one class for a few semesters this has to be oh because you already have all your channels but even still even still after your gen eds there's still typically another two years of dedicated courses into a specific subject yeah so i'm confused how yeah and for that it's per speed so you cannot go like you cannot advance unless you have a so school is going to get intense
Yeah, even more intense. So, like, right now... So how are you going to pay for that? How are you going to pay for school in the future when you're already... Don't tell me, mom? Yeah, well, she... Have you been an adult yet? No. Okay. Unfortunately. I mean, legally, you've been an adult 13 years, but... Yeah, but no. She's giving me a lot of money, and I owe her a lot. How much? How much has she given you? Over how long? So, I think she's giving me, like...
more than i can even that's not a number probably like over 20 000 but for what well when i first went to school she paid out of pocket for that then why do we have student loans um because it didn't cover the full amount okay helping with school that's that's different than just giving yeah and then um what money has been given given so far it's like 3 000 okay yeah over the course of what i think like
Like three years in the time that I've been back home. Why are you borrowing the money? What's it for? Some of it was for like dental because I did literally break my teeth and I had to get like. How'd you break your teeth? We went out to eat to like. We know you like to do that. Wing stop. And as I was eating, I chipped my tooth.
sure okay yeah and after that i had to get like what else you borrowed money for school wait is it borrowed as a gifted from your mom the other ones i think more so gifts these right now like for school that's borrowed so you're not cash flowing it she's cash flowing it some of it it's 500 a semester yeah so this last semester i paid for it i'm confused on this relationship you're saying you're surviving from her what are you actually getting from her
Well, like free rent and stuff like I don't. You live at home? Yes, I live at home. Okay. I mean, you're in school, so it's fine. Just 31 in our culture is just a little more, you know. Yeah. Whether or not it should be looked down. I don't know. It's interesting. But I'm not the only one. I mean, my sister also lives there. Great. And she also. She's also going through a divorce. So we're all. Yeah, let's definitely start life off of another very successful person.
Yeah, but yeah, we're all living at home. So it's like kind of. And she's almost 60. Yes. And you're relying on her. Yes. So which is, again, why I'm here. Because I do actually want to start becoming responsible. Do you? Based on this conversation, I'm a little skeptical. Yeah. Well, after today. How about that? Student loans, $9,244. 67 cents. Minimum monthly payment, $98.50. Okay.
I don't know how the f*** you're ever going to pay those off. No, I thought that was $198. $198. Oh. If you're paying $198, that's great. And I bet that was your normal payment before anything. Either way, like 6.5% interest rate and then another 6.5% interest rate. These are not good rates for federal loans. No. This kind of sucks. These are like ones we'd actually want to pay off and consider this almost bad debt.
And then money owed to mom, $3,000. So we owe money. $3,000 is owed to mom? Yes. So like a monthly payment? Like what do we have? What's the relationship? She just accepts money whenever I... Well, how much have you paid back? What was the total? Well, I think it was more than that. And then that's the final total so far. Because some of that is actually insurance because we pay per six months. And so I think it's like...
Not that much. Only like $600,000 insurance per six months. And again, the rest, honestly, I have no clue. But I know that I just owe her those $3,000.
I can't speechless. I can't handle you being speechless. No, it's because I just read something my producer typed me. I guess he just left the room for a second because a surprise guest just arrived for the post show. I gave him a budget so he can do fun things with the post show. But you guys can sign up for it in the description. We just do extra fun things with the guest. In other words, I have no idea what the f*** is happening. I think this is his first time that he's going to try something wild. So...
You did not leave me speechless. Don't be too proud. I just have no idea what the fuck is about to happen in like 20 minutes. Like, I mean, he's talked about like waxing my asshole. So I'm hoping that's not today. I don't think anyone out there wants to see that. No. So you think you owe her $3,000? Yes. Is that like an ish or is that the number? Yeah, I rounded up. Does she even know? Is there a number? Yeah, no. I rounded up and she doesn't know. What's the number?
I, again, I don't know exactly, but I rounded up $3,000. She has it in a notebook. And again, she writes down the dates, what I gave her. How do you feel? I mean, she's...
you know she's almost 60. yeah no it doesn't feel great like 59 and a half is when you can start pulling from your tax advantage retirement accounts like that's when people can start retiring you know people usually don't tell like mid 60s or 70s but yeah it's like headed towards that age you and your sister are literally living off of her taking advantage of her kindness
yeah well mostly me i don't i don't want to live with my sister but definitely you already did so yeah but um you you bring in like twenty thousand hours a year yes but um lazy no way that that little thing is taking up another uh forty hours from your week no but so you can work you can make money you're you're just around in life what are you doing you're going out partying you're hanging out with friends what are you doing
Neither. I think I just... You do something because there's a lot of time that you're doing nothing. Yeah. There's a lot of unchecked time right now. Yeah. Like, how are you managing your life? What are you doing? I have no idea. I just... I feel, right? I feel I just go to work, you know, come home and then do it all again. Girl, you work 30 hours a week. Yeah. Yeah.
You're hardly an adult. You're 31. Yeah. You're just pulling up U-Hauls to each other's houses, like the meme, constantly. Yeah. No. But like I said, I do want to get... I want to become an adult. And this is just one of the steps. What? What can I... Yeah, but I can give what I think and I can give my take on your situation. But I can't...
do it for you you have to do it yeah i have to do it um but look at you look at the way you're presenting yourself look at the way you're talking look at the way you're so confident in all these things incorrectly it's so bad do you feel responsible to pay this back to your mom yes fully responsible that's good yeah is that all the debt yes so your car is paid for yes the car is paid for what is it uh 2014 chevy spark
How many miles? 96. Okay, how's it doing? Really good. Yeah. Yeah, so, and actually I paid that off. $25 in a checking account. $25 in a checking account at the time of this statement. How are you surviving? It's actually, I take out mostly everything in cash. Oh, so there's endless spending that we do not see.
Be honest. Be real. Don't with me. No, I try not to spend the cash. Where does the cash go then? How much cash do you have right now? Like $300. Okay, so where does the cash go? I just have it sitting there. No, you have $300. So where does the cash go? No, I literally... No, you have $300. So where does the cash go if we take it all out and you bring in $20,000 a year? Where does the cash go? Where does the cash go? Where does the cash go? Don't have rent.
Where does the cash go? Don't have a car bill. Where does the cash go? To my minimum payments. Oh my. Your what? Your medical payments? No, to my minimum payments. Your cash. Yeah. You send them cash. No, no, no. No? So you say you take cash out of here and you only have $300 sitting aside. So what is the cash spent on? I can't even audit this because it's impossible to track. I can't even audit this. This is hardly an audit.
Oh, here we go. Get ready. Spring roll, spring roll, spring roll. Venmo in out $5. Spring roll, spring roll, spring roll, spring roll, spring roll. Venmo in out $7. Spring roll, spring roll, spring roll. Oh, going to a cafe. Spring roll, spring roll. Amy Entertainment? What even is that? Keg rooms and brewery. Spring roll, spring roll, spring roll, spring roll, spring roll. Yeah.
It's only spring rolls. Yeah, we're addicted to the spring roll life. It's kind of crazy. It's insane. You work less shifts than you're getting in spring rolls, by the way. So you're getting multiple spring rolls per shift. ATM would draw $20. Who knows where that went? Spring roll! Spring roll! Hair design. There it is. Great. The post-divorce spring roll. Moon pig. Spring roll! Spring roll! Getting some tea. Wiener snitchel. McDonald's.
Yeah. Oh, we did our hair again. Twice. First time wasn't good enough. I get my hair done about once a week. What the fuck? Yeah. Clara, is that even close to normal? Okay. As not a woman, I needed to confirm. What the fuck? What the fuck? Naturally really dark black hair. Congratulations. And because right now I'm platinum blonde. Sure. Until you literally just stop being platinum blonde. Yeah. Cool. Cool.
Um, you know, I want you to be able to do what you want for your looks. You literally aren't paying your bills and you owe your mom money and your situation's $20,000 a year. I don't give a f*** what your hair color is. Let's just be honest. But you can't budget that in. Not when you don't have money. Oh my f***. Oh my f***. I hope you're f***ing with me. You're not. I know you're not. But this is insane. Yeah. This is f***ing insane. Six to 12 weeks is like the recommended average haircut. Yeah, but...
Again, I'm dying it. Go bald, dude. Just go bald. I thought about that. Good. Think about it again. You'll look like a little spring roll and it's your dream. Yeah. And I love I love those spring rolls. Do you?
Tecure... Tecure... I can never say that. Spring roll! Spring roll! Bath and body works gotta smell good while we're drinking. We gotta have the whole place smelling like scents. Spring roll! Spring roll! Spring roll! Spring roll! Spring roll! Church's chicken, mixing it up! Marshall's Dairy Queen, spring roll! Spring roll! Spring roll! Keg room again, we love... Spring roll! Taco Bell, spring roll! Spring roll! Spring roll! Spring roll! Spring roll! Spring roll!
You're wild, dude. Yeah, laugh about it. Why don't you just laugh about it? Yeah, I'm going through the end of this conversation for them at this point. Like, come on. What a joke. That pisses me off. That pisses me off. $54 in savings down from $600. So that's great. What did we do? What did we do? We literally drained...
Because of how this works, because of how all that works. Yeah. You know what that mathematically works out to? You've drained your savings for spring rolls. You drained your savings for spring rolls. No, the $600 went to... So my Discover card, you know, I did pay it off once.
with those $600, but then, you know. But it's all the way back up. And why did the, and guess what? And guess what? Why did we spend that money on the Discover card? Why did we spend that money on the Discover card? Why is it on there? Why is the balance up there? Oh, because you couldn't spend it from your checking account. Why couldn't you spend it from your checking account? Because you only had $25. Why do we only have $25? Because we got spring rolls every second of your life. So yes, you drained your savings for spring rolls that mathematically works out in the end. Duh! It's just a child's play.
Take this! Take this! Take this! Take this! Very spring roll episode. I want to know if you like spring rolls. I just eat regular sushi like an adult, okay? I'm glad spring rolls are more important than your mom's retirement to you. Gosh, I probably look so mean, but no one knows what it's like to be in this conversation. This is insane. All right, let's bust out the Crayolas. This is what I need from you, because I want to actually see what you think. I mean, to be very clear...
Okay. You see this box right here? Yes. I want you to draw. I'm going to draw just for example, all the way up. I want you to draw whatever you think the box is for your average paycheck.
that we calculated based on your statements, then write in the number what you think that is, and then the amount that you spent at H-E-B on spring rolls. Then I want your bar chart to be correlated. So if it's like, if this is $100, then this would be $50. Does that make sense? The Crayolas have been broken out. Do that. Write the numbers in them. I want you to self-assess where you think you are and fill the whole box. I already drew the base of the box. Oh, okay. That's the base.
Oh, that's a pretty big bar. How much money is that worth? We'll put the 14, right? For a paycheck. Okay. Yes. Cool. And then red. So red, spring rolls. Yep, correlated. Okay, first question. Do you think $400 is half of $1,400? No. Okay, well, that's what you drew. But the numbers, the numbers, that's what's important. Okay, so you did half the exercise. And you're in college again? Okay. Okay.
Sorry, that was mean. It's supposed to be cheeky, but that was. So you think it's acceptable to, first of all, spend like 30% of your budget on spring rolls? No. In the reality of it, your actual average paycheck was $350. Oh, okay. Paycheck. Oh, paycheck. Well, that's what I said. Oh, yeah. Yeah.
Great. So you really failed the exercise from the beginning. Great. And then $300 basically rounded up is what you spent. You almost, you spend an almost an entire paycheck on just spring rolls while you're at work. Throw that in your Moomoo account. Like I do throw that in your Moomoo account. That rose. It could be like tens of thousands of dollars, maybe a hundred thousand dollars per paycheck. Throw that in your Moomoo account.
Link in the description below as always, but like, like I actually do. And if I'm compounding that, let's think of basic compound. So that's $300 a month. No, let's be exact about it. A percent return average return stock market since the beginning to the end initial amount zero over the course of another 30 years, 29 years, get you to 60.
In addition of $269.14 a month. Come on, dude. Come on. $367,000. $367,000. Yeah. Because spring rolls is more important, right? Not anymore, hopefully. Correct.
Y'all gotta use my favorite high yield savings account where you can get up to 4.6% on your money plus FDIC insurance up to $2 million. You can also get up to $300 for signing up today. It's the personal high yield savings account that I use for my money, so don't let your money be losing money while it's just sitting there. Click on the link in the description below and get those bonuses. This is a behavior issue. I will build out your budget. Obviously we'll send you through our budgeting educational program.
But this is a behavior issue. You need to sit down, do your budget on a monthly basis, see where you failed this last month, see what you need to correct for the next month, and do that every single month, maybe twice a month, just to make sure you're on track at the beginning. Go through that. Go through that. But I am going to make you a budget. But let's see where your budget is for now. Right now, again, to be clear, you brought in a total $1,400 as your payroll. Yeah. What did we spend, you may ask? What did you spend? $1,400.
Your total out was $2,564. So what the f*** are we doing, you know? Debt payments net were $551.05 or 21.5% of your spending. Housing, 8.7% of your spending or $223.34. $135.64 or 5.3% of your spending with the phone. That's a lot. Switch to helium for $20 a month. This is only $35. Huh? It's only $35. I have $135.
phone does someone have to pay you oh no that's uh the internet oh okay but it's like transportation 2.3 percent of your spending seven percent went to necessary food groceries potentially 178.59 food going out to eat just absolute stupidity all that crap combined 21.1 or 540 almost as much as you put towards your debt congratulations unknown shopping it's really hard to tell typically amazon walmart three percent or 76.32 cents
medical healthcare gym
Yeah.
You're basically at 18 in your life. Do you have a retirement account? Do you have anything in there? No. Okay. You're basically at 18. You're 31, but you're at 18. It's just like living at home. That's fine. That's fine. But I'm just picturing everything at 18. You're living at home. You're just starting school. You're going into debt. Yeah. You make $20,000 a year running around the grocery store. If. Like right now, again, we have you at like $15,000 a year based on your paycheck. Yeah.
No, I mean, it certainly feels like that. Even I feel like that. I know that. And how do you feel about that? Not great. So why have you changed nothing then? How do you feel that but you do nothing about it? Well, I mean, I did do something currently, but trying to go back to school. So that is a start. How did you decide this was the passion?
Oh, I think I've had the passion since high school, but I felt pressured to get my undergrad and never really did anything with my undergrad. And so I reignited that old passion from then, and I know that's my path. Okay, $293. Oh, sorry, $292.50 is your minimum monthly debt payments. Do you contribute anything to rent? No. Utilities? Utilities.
Yes, I pay all the bills. So that's... Average it out. About, let's say 600. Oh, f***ing. So I pay light, water, cable. Internet and all that. Yeah, everything. And that's all 600? Yeah. And then during the summer... What's your phone bill?
$35. Okay. And your car insurance? Car insurance, again, every six months. So it's about $600. So $100 monthly. I can't believe I had to type that in the calculator. I've gotten dumb from this conversation. Gas, vroom, vroom, drive, drive. How much on a monthly basis? About $80 a month. TP fund, $100. Anything else you need to survive in life. That can even include books for school. Okay. And groceries. How does that work at home?
So my mom buys most of the groceries, but again, anytime we need milk, eggs. I'm giving you a hundred bucks. Yeah. You shouldn't need more than that. Gym, healthcare. What do you got? Oh, 75 per therapy, right? Oh, yes. And that's twice a month? Yes, now. So 150. Yeah. Before it was weekly, but now we're doing bi-weekly. No subscriptions, no savings. That doesn't make sense. Otherwise purchases. Anything else you need to survive?
No. Well, you're chipping in a lot at home with that utility bill because that's actually quite expensive. Yeah, and in the summer months, it can go up to $400 for the light. Well, $1,457.50, so you're underwater. And that's not surprising because you bring in no money. Yeah. Now, you said... But again, that one was before my raise. So then I was making $16. Now I'm making $18. Okay, so...
An extra $260 a month, potentially. Potentially. You work more hours. Let's be clear. You need to get a second job. Let's be clear. You need to make minimum...
$2,500 a month. You need to add an additional $1,000. It's not as hard as you think it is. You literally spend the majority of your time not actually doing anything. Yeah. And that's no longer the case because you're in debt and you want to change your life and you want to live a better life. Yes, I do. And if you want to do that before meeting your next person, you need to zoom, zoom, zoom. Let's go. No more glizzies. So I need you to have an extra $1,000 to throw a monthly basis. And when you do that, because you have the safety net of home, I'm actually not going to do a one-month emergency fund first.
But actually no for a month and a half let's get $1,500 set aside. Just in case anything happens you know medical anything like that it's barely going to cover anything but tires or whatever. Cool. So what do we do from there? $1,000.
a month we for month two and three we pay off our discover card and throw some at the sam's card then for the next four months four and a half months we pay off the sam's card and send that up to five five six seven eight so that's eight months complete eight and then student loans majority that is really bad debt about half oh maybe a little more than half six thousand of it how desperate is the mom to have the money back is she willing to let you pay off the other debt first
probably because uh well i'd rather pay her off i don't care what you'd rather i'm talking about her i want to get her i'm asking about her answer the question that is asked no her first definitely again she she that's what she wants again like no no is that what she wants yes i mean i think that's literally it's a yes or no my gosh
Sorry. It's so hard to ask a question when it goes into a story where it's just a yes or no. I'm trying to get your numbers for you. I know I'm being irritable, but whatever this post show is, it better be happy stuff. This better be like a magic show to cheer me up, Noah. I don't know what the f*** it's about to be. Okay, whatever. Now I'm nervous. Okay, whatever. Fine, pay your mom off three months after that. You're a year in. We're a year. We have a one-month emergency fund. We've paid off all our credit cards and mom.
Now, student loans. Let's pay off at least $6,000 of it. So that's another six months. Save up the rest of an emergency fund call in another six months. I'd say two years. Two years. But again, this is a behavior thing. You need to stop spending. You need to actively manage. You need to know where your cash is going. And you need to go work 50 hours a week because I know your school is not that much time right now. It's going to be different at some point. And we readjust based on that. Yes. But...
With where you are, take advantage of the opportunity where you're only taking one class right now. Yeah. Go work 60 hours if you can. Push yourself to your health limit. I do not want you to do anything that will get unhealthy where you're falling asleep or, you know, anything medical. So... I mean, that works. I mean, that's very doable. It is. Yeah. It's not, like, impossible. May I ask, why have you not done it? I've just not had...
maybe much guidance or like... I'm very much a visual person. So like those $300 that I put away in cash. I actually do it like visually. So I have a little like thing and I like marker it in and stuff. So I'm just very visual and I'm just...
And numbers and accounts are all virtual and all that. Make it physical. Make yourself a physical budget. Do the envelope system where you have your cash assigned in your budget. Yeah, I did that for a while and I had saved $5,000. Where'd that $5,000 go? $3,000 of those went to, again, a lot of like dental stuff. And then the $2,000, well, flights. Back to those flights. Right. Okay.
Okay. Spending your budget zero. You spend a thousand dollars more than you make debt. It's not the worst debt. No collections, no IRS debt. Certainly not good. So it's not going to be a high score, but it's going to be a two out of 10. A little barely. It's the beginner. You actually drained it. So nevermind. That's a zero. What the fuck am I talking about? You drained it. A retirement zero. There's nothing in real estate. Zero. There's nothing. It's going to be a generous 0.5 out of 10. Make sure to check all the resources linked in the description below. Is there what I use or would use in specific situations, including the best budgeting educational program?
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