Failed OF “Model” Is A Literal Clown | Financial Audit
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Hello, my name is Tabby. I'm 26. I'm from Houston, Texas, and this is Financial Audit. Thanks for coming over from Houston. What do you do for a living there? So I am a manager at a bar near the, um, near the... Near the c***s. Okay, cool. Which could make money, but I bet it's a pretty seasonal job. Is this hourly? Is this... So it's, I make an hourly plus tips. What's your hourly? Uh, $5 an hour. The manager makes tips? Yeah.

Yes. Because I'm a lead slash manager. So make $5 an hour and then I get part of tip share. Okay. Now, obviously, you'd get federal minimum wage if your tips don't equal above that, but I assume they always do. So it looks like the payroll that came in this previous month was $2,178. Yes. Does that sound about right? Is that an average month? Yeah. And how many hours did you work for that?

I want to say total it was about 65. Yeah, about 65 for two weeks. Oh, okay. Yeah. For two weeks. Okay. I was going to say... Man, I wish that was weekly. Well, not 65 hours for... Yeah, no. Yeah, but okay. And how much of that is cash? I had no cash on that one. Cash is straight to my pocket and I don't... Okay, so we don't even know how much...

No. I just guesstimate how much I make cash-wise. How much do you make extra in cash? Probably about, I want to say about $300 every two weeks. Okay, so it's really not boosting it that much. So $2,478. So $2,500. You're probably not claiming that cash anyway. All right. Well, how are we living on... How does... Well, I guess... I mean, that's...

2,000. Well, you said every two weeks, 300, right? Okay. So 2,700, let's say. 2,700, 2,800. How do you feel living off of that? Decent. I want it to be better, but I'm surviving right now. That's all I can really ask for right now. What does survival look like right now? Off of like 32,000 bucks a year. My bills are paid and I can eat. I mean, you have collections. Usually that means bills were not paid.

certain bills were not paid okay so bills are not paid yes but ones that count like rent um my car note stuff like that they are paid okay and i see facebook pay nine dollars yeah i'm gonna have digital creator status on facebook so i had a post that went viral so i made like nine bucks off of it it goes viral and you made nine whole dollars yep is it a video post

No, it was just text. It was a screenshot from a dating app. You get paid for that. Wow. For just a picture. So it's not even a video. That's interesting. I'm sure some people can make some good money off of that if you do it repeatedly. Oh, yeah. And then cash check deposit of $114. Oh, so that was, I did put some cash into my bank account. Okay. Yes. So what's going on today? You don't have a ton of documents. Yeah. But what's going on? Because each of them are certainly interesting. That's for sure. Yeah.

So, biggest picture is I do have a lot of debt between my car and between personal loans I've taken out and, you know, with my collections and also with my student loans. The biggest thing, the reason why I did come on the show is because I do need help figuring out how to pay for school because- School? Yes. I want to go back to college. You want to go back to college? Yes. Have you done any college?

I did like a couple months in one semester at a college. And I had a – so what happened was I got a –

Partial scholarship from this one school is for wrestling. I got a wrestling. Yes. Yes. Kick my. Yeah. If I make you too angry. Yes. Very much so. I'll be aware. Yes. So I got this partial scholarship. So I decided to go to this school. Can you kick my producer's in the post show please? Yes. I got you. Thank you. Yes. Well WWE over here. I got you. So I went.

To the school. And it was a week before nationals and we were at practice and I tore everything in my shoulder. Yes. Um, so essentially that was the end of my wrestling career. So I decided to pack up and just move back home because I didn't want to stay. Is that in Houston? No. So this, this school, um, it's home Houston though.

Houston is not home. So I've only been in Houston for about four years. I'm originally from St. Louis, Missouri. Oh, okay. Interesting. So yeah, I moved to Houston in August of 2020, and it was the craziest life decision I ever made. It was definitely a manic episode. Really? Yes. Okay. Yes. This is like a story to tell. So I'll get into it now. Okay. Because my brain's going to forget it if we...

Jump around. So basically what happened is that... Those nails are wild. Thank you. Wow. Thank you. Okay. Yes. You'll see how much those cost me in that report too. Yes. That's a whole nother conversation though. Anyway, so basically how I moved to Houston was I... In laymanic episode...

Took a job transfer to the company I was working for. Had a job opening down here in Houston. So I took it. I found an apartment, sold my car I had, bought a new car, and moved down here in three weeks. I just packed up my life and just moved. I did the same thing. It's awesome. Yes. Not in a manic episode. I got a job offer, but that doesn't necessarily mean it's a bad thing. Yeah, no, no. It was the best decision I ever made, but at the time there were no thoughts. Just move. Okay. Yes.

Sure. So self-assessment. Let's do a financial score. Zero being the worst, 10 being the best. Where do you think you're at today? Probably like a two. Two. Okay. So definitely on the low end for sure. Why do you think you're a two? Because I have a horrible shopping addiction.

Really? Yes. Like crippling shopping addiction. Crippling? Yeah. Have you sought help? If I could afford a therapist, I don't feel like I would be here. Oh.

With how many hours you work, I don't know, do you get health insurance to work? Okay. Have you checked out the exchanges? So I have, I do have, I've purchased a dental. Your income is low enough. I know. So I've looked into it. It's still like $150 a month. Yeah, great. Which is a lot of money.

Yeah, but that would be 5% of your income to literally... You don't have health insurance right now. No, but I have... That could completely... It already has. That's really not an option. I mean, it already has, but I'm at this... Well, because if I had health insurance, I wouldn't be in a lot of medical debt. Okay. Yes. Yeah, I mean, that's something that, unfortunately, we don't... Yes, you technically get to choose, but really you don't because you need it, dude. You'll f*** yourself.

Any other sources of income here? 'Cause we're not bringing in much. I don't know how you're surviving. - So I do have only , but it is-- - You make-- - Yeah, I have my OF account, but it's a pure passive income. I make about extra like $200 a month. I haven't posted since 2021. So it's purely passive income. - 200 without even doing anything for three years. - Yeah. - And so just subscribers who forgot to cancel?

No, that they still enjoy my content. They'll still message me and they'll be like, I love seeing your videos, stuff like that. The world's a weird place. Yeah. So that's extra $200 a month. And you've stopped because you no longer want to do it? Well, so back in 2022, came out with this restriction. Basically, if you wanted to post content with somebody else, they had to have an account.

And most of my content was with people who I were either hookups or were people I was dating at the time and stuff. So it really put a stop to posting certain content. And then the certain content, that type of content was the one that made me the most money. So I'm like, I don't even want to post solo content anymore. So I just stopped. So now I just make passive income off of it.

I mean, yeah, but $300, it's not really... Okay. Okay. Okay. I mean, it's literally free money, sure, but we're not really pushing the needle. I was hoping we'd have some extra income, extra job, extra something. That's like... Yeah. It is money, but it's... Okay.

And then I'm also a freelance interior designer too. Oh, okay. So it keeps going. Yeah. So I have, um, every so often I do pick up a, um, job here and there, you know, a couple extra hundred dollars, you know, someone needs me three, four hours to help them pick out tile, help them pick out furniture, stuff like that. Um, nothing steady the last few months of construction have been really, really bad. Um,

A couple months ago, I lost my job that I was working through a construction company. I was working as an interior designer and a sales rep. The company went under because we weren't making any sales with how bad the economy was in Houston with construction, with residential. Okay. So I lost my job, and this is why I have this job now. All right. Cool. So let's talk about your first step. What are you trying to lease to own?

So I went to Best Buy and... Oh. Yes. So I bought a computer. I bought a Nintendo Switch and I bought Apple Watch. All at the same time? Yeah. At least you're wearing it. People come on the show and they have the finance and they don't even... Yep. How much was the computer then? If this was the $2,000 purchase but you got an Apple Watch and a Switch. Yeah. And a computer. Yep. Yeah. So how much was the computer then? It was $495. What kind of computer is $400? Is it a Chromebook? One that was on sale.

It was originally 900. Is it usable? Okay. Yeah. I got it to be able to use with my design software and stuff like that. Oh, oh, oh. I want to make sure I'm reading this right. Am I understanding this to say that it only costs $907 for all of it? Yeah. You're going to pay a total of $2,011? Yeah. I haven't made a single payment on it yet. What the f*** are you doing? This is the most insane thing ever for a laptop. You completely negated getting a laptop on sale.

You're paying an extra $1,103. What is this? Why'd you get like a Best Buy credit card if you're going to do something this stupid? I didn't get approved for a Best Buy credit card. So that was an X-Facts option. Yes. No, the next X-Facts option would be don't get it. Well, I did unfortunately need the computer for a job. Yeah, but how much are you really making on that?

How much did you make? So I bought it for a job that required the computer. And then I left the job like a month later. And yeah, so I didn't make any money off of it.

Because I haven't had a single design consultation since I bought it. See? So you didn't need it. Also, just go to the library. I know Houston has some. Yes. No? I mean, I do use it to stream on Twitch and stuff like that. Oh my gosh. You do so many things. This is 121% interest rate. Right? Am I doing that math right? Yeah. This is insane. That's insane. This is a payday loan version of a Best Buy thing. This is crazy. Yeah.

This is insane. And you don't even... How much do you make off of streaming? Nothing, because I just do it for fun. Hobby. Yes. 120% interest rate hobby. That does not make sense. And I'm not saying you shouldn't stream. Don't get me wrong. I've been considering streaming myself for a long time, and I just haven't because I'm scared. But that's an insane... You f***ing 121% interest rate of death. Wait. Okay, when was the first payment due that you haven't paid? I don't know.

April, I think. What are you? Why? Why? Why haven't you paid? That's just irresponsible. That's just... Wait, you told me. You lied. You lied. Congratulations, you lied. Did you know you lied? Did you know you lied? Uh, no. Did you know you lied? Because you lied. You said, I pay my bills, my bills are paid. Don't consider that a bill. What the fuck are you talking about? How do you not consider that a bill? It's... What are you talking about? It's more so, I consider bills right now for lay survival.

What? Yes. So like rent, food, stuff like that. So you can go into any amount of debt, borrow anything, take out mortgage, take out car loans, take out any kind of debt ever. And you think because it's something, a contract that you signed, but it doesn't mean life or death, you don't have to pay it? That's what you think? That's what you think debt is? That's what you think bills are? That's what you think managing finances is? That's what you think living is? That's what you think financial security is? At this point, yes. How? Explain yourself because that's some bulls**t.

Well... What's the minimum monthly payment? How about that? How about that? Let's see if this is affordable to you or not. Huh? How much? So it's supposed to be $83 every two weeks. Okay. I think you can afford that. Again, that's 5% of your income. Yeah. So... Do you not understand how that's... I mean, that pisses me off. That's legitimately upsetting. That's just irresponsibility. Yeah, I... It's disgusting. You make half that from your only doing nothing. So what the...

Yeah, I've kind of been ignoring it. No sh**. What? No sh**. Why do you think I'm just... Why do you think I'm reacting this way? I know. That wasn't an answer. This is also why I kind of do need help because I... Okay, let me help you. Pay the f***.

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That's just over $7 for your first month. And trust me, it's honestly a steal for what you're getting. What do you think? What would I say? I know, but more so of like a lay budget because I have no idea. Like I have no idea what's coming in, what's going out. It's hard for me to sit down and think about this. Well, you said you have a crippling, shopliting addiction. Why haven't you sat down and budgeted? Why haven't you? Okay.

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So, dude, that will help you with the educational part. And I'll help you understand where your spending is going. But this is crazy. This is crazy. And at the time, it seemed like something I needed to do because I did need the laptop. But the switch. If you don't know what a 120% interest rate death of debt is, feel free to come on the show. CalebHammer.com slash apply.

So I know the interest rate is really bad and I do regret getting it. Well, that's good. But you're not paying your payment. That's what kills me. Yeah, no, I am not. And I will gladly own up to that. Do something. That's what I'm here for. This, I don't, I don't, I can't, I can't make you do a payment. I'm not a magical cure to doing a payment. If you wanted to pay this, if you wanted to be an adult, if you wanted to be responsible, you could have done this.

It's hard for me to sit down and envision myself giving this money away. Like it's where this money coming from and stuff like that. This is... You borrowed it. You signed the contract. When I tell you I've never created a budget in my adult life, I've never created a budget in my adult life. Why haven't you tried? I've tried, but it's never worked out because I always felt when I sat there and I created it that...

It gets disheartening when you sit down and you look at a budget and your expenses are more than what you're making. Sure. So you're part of you. But how many of those expenses were a choice that you were doing that you could cut back on? At the time, unfortunately, it was not because my rent and. At the time. What's at the time? So at the time, I was getting a wage garnishment from the government for my student loans. Man.

Yes. When was this? This was back before 2020. It was back in 2019. Oh, this is forever ago. Okay, that's ancient history now. Why haven't you tried to make a budget since then? No offense, but I don't really care about 2019. What you did in 2019 does not define you today. That's so many years. I've been kind of living in a kind of a brain fog when it comes to money, kind of survival mode, just trying to like... Yeah, but it's not... Not think about it, just try to survive and just hope for the best.

Isn't that decreasing your chance of surviving? Yeah, I know. But at the time when you're trying to do that, it's... Trying to do what? Trying to survive. You don't see it that way. You're just trying to... But what didn't trying to survive mean putting any kind of action behind it? You're putting your head in the sand. That's not trying to survive. Well, not so much... So...

During this time of survival, I was working two jobs, 17-hour days, 18-hour days, just to keep my head above sand. So whenever bills came up, I paid them. Good. But it was more so debts went to the side. Well, those are bills. I know. But it was more so surviving, being able to keep food in my stomach, being able to pay my rent, being able to make sure I have. And that does come first. Don't get me wrong. But something tells me you may have gone out to eat and shopped.

On top of that. Not as much as I am now. Why has it gotten worse? Just because I have started to make more money. So I'm like, oh, I have this money to spend. You've inflated. Very much so. And so I'm like, oh, I make more money. So I'm like, let me spend more money. You're making like, what was it, $36,000 a year? It's not like you're making an insane amount of money. That's not an income shame. It's just...

Just the reality. But compared to what I used to make... How much are you spending on just insanity? I mean, going out to eat is 6.4% of your spending. Going and getting your bullshit shopping addictions is 13.6% of your spending. That's crazy. I mean, that's... Those are insane percentages when you literally are not paying your bills. So total that came in was $2,300. How much do you think you spent? What went out? I want to say about $2,600. $2,600?

It's close. So the fact that you think, okay, I'll tell you the number first, $2,494. So it is more, obviously, almost like $200 more than you brought in. But the fact that you thought it was $300 more than you brought in, you are already kind of aware. Yeah, I'm very much aware of my spending habits. But no actions? No. Okay, so we have this. I'm sure they're hounding you down. Five times a day they're calling me. Okay. Have not answered a single phone call.

You're considering going to school. How are you going to pay for school if you can't even pay a little bill like this? What are you going to school for? Construction management. Oh, okay. That's cool. Yes. So I want to become a project manager and then move up to superintendent. And the goal is within the next 10 years of my life to eventually own my own construction company. Okay. Yeah. Okay. Okay.

So I'm trying to get myself out of the hole I dug myself into. Yeah, but you can't even manage your own basic personal finances. You do have a lot to learn before I'd want you managing business finances. But you still, how are you going to pay for school? Is this a bachelor's degree? No, associates. Two years at a community college. So it's 83 credit hour. So I'm trying to figure out how I can pay...

For that out of pocket. How much is it per semester? So it's $83 per credit hour and it's about 14 credit hours per semester. That's really, that's super easy. You could do that if you wanted to. But I mean, right now, again, you're spending $200 more than you make. Always happy to gift any guests on here a course careers tech certificate, but obviously that's not tech. But if you ever want that to add to your resume, just let me know. Okay. Is this the same lease to own that we already saw? Yes. Mm-hmm.

Okay, yeah. And that's... Yeah, okay, cool. So there's your bi-weekly payment. Rough, and it's over the course of a year. And it would be paid off. But you haven't made any payment. No, I have not. And so there was a 90-day buyout for it. If you paid it within 90 days, it was just the amount that you paid. It was amount, the 991, if I paid it within 90 days. So we're creeping up on the 90 days. So now we'll go to automatically to the 12 months. Yeah. Okay.

I don't understand why you didn't put any f***ing effort. It just became a back thought. Okay, I still don't get your... No. Oh, f*** me, I just learned something. So let's jump into that. That. Wait a f***. What is this car? Yes, it is. Can we get, like, extra confirmation on that? Because... 2013 Chevy Spark. Um, so...

Let me give you the rundown on this thing. Okay. So I bought this car and well, I went to a buy here, pay here place in October of 2022. And so this place, the reason I went to this one, because I only had $700 to put down for this car.

Because I needed a car, was without a car, had five car accidents prior. Oh my f***, what are you? Why? Yes, only one was my fault. The other four were...

faults of other people okay but the one car accident that was my fault was i was the only person involved and was that the fifth one uh no that was actually the fourth one okay did insurance cover the fifth one um no so the fifth one was a car caught on fire while i was driving it oh yeah it it was done for you didn't have any insurance necessary for that so i paid that car cash and it caught on fire three days later okay so you went and got this car yep

Yes. And so back in October 2022, I went and got this car. You can see how much it was for if I were to cash it out, $15,000. But I financed it in $23,000. You're fucking... Nope. Yep.

$23,000. What's owed on it today? That's... Oh my gosh. Okay. What's owed on it today? Oh, they just... I know. You have no idea. Oh, yeah. No, you don't. You don't know yet. Well... You don't know yet. So the way they set up the loan is... I know yet. It is guaranteed to be paid off in 2027. Ugh. Can't kill me now. It was a seven-year loan. Okay. Mm-hmm. Oh, wait. 2022? 2027. So I bought it in October of 2022 and it's... Oh, five-year. Okay. Yes. Okay.

um it's actually oddly not the worst for the show what's the interest rate uh 28 not my worst not my worst no i saw 110 earlier yeah that doesn't mean 28 is good what is owed on this car it's still without the principal balance on it is 12 000 the width paid off half

with the interest so they only what's the total load well they won't tell me the total amount with interest when i go to pay make my payments on it it shows it's twelve thousand dollars okay but not what's interest accrued on top of it yeah so okay i'm seeing thirteen thousand dollars yeah are you sure sure about what that it's uh that i bought it for twenty three thousand dollars yes

So the company, the loan was sold to a different company. So we don't even know how this is paid. Okay. And when it was sold to a different company, this is the amount it dropped down to. What's your minimum monthly car payment? $135 a week. Yes. Oh my gosh. I haven't had one of those since like the third episode I ever recorded. I mean, they just, I just heard one of them almost have just a financial organ back there because of how insane that is. That's insane. $540 a month.

Which, again, is this you breaking it down by week is what makes it crazier. That's how they make it digestible for you. Now, what's the condition of the car? It has no A.C.,

So, I mean, it could just be recharged, maybe. No, it needs a whole new thing. So, an OAC has 130,000 miles on it. The car only lasts about 150,000 miles. So, in probably about another year or so. What's the condition of the car, though? Poor. Poor.

Okay. Yes. So we've taken that in account and got your valuation. What do you think this car is worth that you owe anywhere from $13,000 to $20,000 on? Car, maybe it's worth $5,000. This blew my fucking mind.

and I'm going to blow my own f***ing mind out. $1,389 and you owe potentially $20,000 lowest $13,000. Yes. Yeah. This is the most underwater insane car. Yes. You're paying a third of the car's value in a monthly payment. Oh, yeah. Every month. This car is a car that should have never been created. This is not even anything you can...

No. Do. Because I also don't have insurance on the car either. That's illegal. That's illegal. So the dealership has an insurance policy on the car. No, that's I don't think. No, no, no. But you're not insured. So I don't have liability on the car. But if anything were to happen to the car, it would be paid off. Anything at all mechanical. Yeah. They have some gap.

Yes. So if anything happens to the car itself, it's taken care of. That's the matter, though. It's still illegal for you not to have insurance. Yes. What does it have to do with people admitting to breaking the law on this show? Is this just like... I am absolutely aware that I do not have insurance. I am working on it.

Working on it? How long do you have this car? Two years? What do you mean working on it? I don't see any working on it. There's no working on it happening. There's no working on it. I don't see working on it. I've had lapses in insurance. So there have been times where I've had insurance and there have been times I've had not had insurance. And now one of these times is just when I do not have insurance. Is it collateral protection damage for insurance that they have on you? It's insurance on the car. So it's only to cover the car if it's not to cover me. So if I cause any damages to anything else. Sure.

But what will it cover up to? The loan balance? Yes. Are you sure? Yes. It's going to take care of the car outright. Because once the car is gone, they said once the car is gone, it's done. It's got there? Okay. Yeah. But that's the only thing it covers is just the car. It won't cover if I crash into anything or hurt anybody or anything like that. It only takes care of the car itself. I would drive in a massive circle around Houston. Yeah.

24 hours a day for a little while and let it no longer work if that's the case we are entering hurricane season but i'm literally taking your word on that i'm taking your word on that and these people obviously you i don't know why they would do that for you

It's more so for the car because once the car is gone, it's done. There's no reason for them to keep collecting payments on it. That doesn't make sense, honestly, for their perspective, though. They want to make money. Doesn't matter if the car exists or not. If you took out a loan, they want their money back.

I really don't think you... I don't know. That's just what... I don't know. Exactly. Yeah, that's what they told me when I signed the paperwork. Yeah, are you sure you fully understood it, though? It was back in October 2022, and I have no longer access. I literally contacted the company that has the loan out for the papers, my contract, and that's the only thing they sent was that right there. They said that's the only thing that they could give me. Yeah, but the loan company, are they the one that has...

This doesn't make sense. I honestly think you're kind of on this thing. If I had to guess, but it is a guess. Yeah. I really don't think unless there's also, what if you hit someone on the way home today? What if you're going to crash there?

You know, it's a lot of driving. I know. And it does haunt me the fact that I don't have insurance. So maybe you should have gotten insurance. It's just a lapse in coverage. Lapse in coverage? How long has the lapse been? Um, it ended, I want to say, in February. Fuck you, that's not a lapse. That's a gaping hole. I've gone a lot longer without it. So that makes this okay because you were even more aggressively stupid in the past?

It's more so not having the money to pay for it. It's not having the money to pay for it. Quick reminder, 6.4% of your spending went to going out to eat. About 14% went to going and getting clothing. An additional 9% to just other things that don't really matter. At the time... Go ahead, say it again. At the time... You don't have enough money? In February... You can't afford it that way because you don't have enough money. February, I don't give a shit about February. We're not in February. Guess what month we're in? We're in June. Well... That's the spending from last month. So what about...

Last month. So... Which was not February. February is when I lost insurance. Oh, we're still going to talk about February. Yes. Because it does play into this. So I lost the insurance in February because that's when I lost my job and had been without a job for about two months. And so now just going back to work and being able to finally catch up and getting everything squared away, I do owe... The only company that will accept me is Progressive, which is the company I've had for years now. So...

I do owe them a chunk of money that I've been trying to get up so I could get insurance again. I'm still very concerned on this situation and your lack of understanding. You don't even know what the actual loan is right now. No, I do not. This wasn't from the loan. This looks like the purchase agreement. Yes. That is the only thing I have because it's the only thing they sent me. But the lien amount was only $15,000. So I don't know where you got the $23,000 from. That's what it was financed for.

I tried to get them to send me the financing paperwork and they told me they could not. They couldn't. No. And you know they own the loan? Yes. Because it's who I pay to for every... That's who I pay every week. Is that legal even?

I don't know. I don't know. I don't know how buy here, pay here works in Texas and stuff like that. Yeah. The company I bought the car from sold the loan to a different financial company. Yeah, happens all the time. Yes. So I don't know what if they fix the interest rate or if they were just playing on the principle. I have no idea.

Because they basically sold the loan out from underneath me. And they said, hey, here, there's your new loan provider. I don't know the situation on it, but I've asked them and they haven't been able to send me anything on it. Do you at least know what the insurance is called? It's... That way I can at least look into it for you. I don't know it off the top of my head, but I can find out. Because it really just doesn't make sense. It really just doesn't make sense. And maybe I'm missing something here and I'm dumb. And trust me, they'll let me know in the comments, but...

I really think you just misunderstood this. They're trying to look into your situation right now and give us a little bit more information on this because, you know, we're conversating and they're... But until then, we'll move on. That car, I wouldn't even know how you'd get out of that car. I'm just hoping to ride it till it dies. You were just burping every... You just can't stop burping. I am sorry. I am sorry.

It's okay. Get into the mic for the weirdos out there. Yes, they're into that. Or save that for your special platform. Yes. So with this loan, I am really hoping that

The major thing with her is that she does have some issues with her alignment and the rotors and the brakes and stuff like that. And the AC. But other than that, she is drivable. Other than barely being drivable, it's technically drivable. Yes. It gets my A to point A and point B. Yeah, for how long? Until she dies. Until she dies. Because unfortunately, I can't really afford anything else. So I got to ride her until she dies. So is it collateral protection insurance? Yes.

I'm not exactly sure. Well, it usually protects the lender's interest in this case. It could potentially be that. It's essentially protecting the lender against the risk of a borrower not maintaining the required insurance coverage on the vehicle, which you're not. And if the borrower fails to maintain comprehensive and collision insurance, which you don't, the lender can purchase CPI because they know you are ridiculous on this.

Okay. Yeah. So as far as we can tell, based on the very limited information, remember, we're going off of limited information. I wish we had more because I'm sure this is easy to judge right now. We're giving nothing here.

Right now. It's unlikely that the financier will forgive the loan if the car stops working or if involved in an accident. Typically, loan forgiveness would only occur under specific circumstances such as a total loss due to an accident. And even then, it would depend on the terms of any insurance like GAAP, Guaranteed Asset Protection, coverage you may have, which you do not have. So, I shall get insurance. But like insurances aren't necessarily... Could she be denied for GAAP?

Because, like, I mean, with where you're at, like, I wouldn't insure you. Why would I? As a business, why the f*** would I do that? Like, I'd give you, you know, just regular general liability, sure, but... Yeah, that's... With the... They did explain to me when I did get this that all I was required to maintain was liability. Oh, yeah, that's the legal part. But when I... In the state of Texas. So when I did purchase...

The insurance, and when I did have it, I did have GAAP insurance with it, too. Liability plus GAAP. You lost it? Yes. Because you stopped paying or because the policy ran out? Because I stopped paying it. You're killing me here, dude. You're killing me here. Okay! What the fuck am I looking at with this? So, Cash App does this thing where it allows you to borrow money from...

Essentially from them. I am in debt to them right now. To Cash App? Yes. Yes. I'm disgusted. It's... I'm disgusted. I... You know, in your application, which we've reviewed before people came on, you were literally bragging about not being in credit card debt. That's the most ridiculous car situation I've seen in at least a year on the show. You owe money to Cash App. You have collections coming up.

And you're having student loans garnished before. And you have a payday loan on a Best Buy thing. I would rather you have a credit card instead of that. So how the f*** are you bragging about that to us? Like, what is happening? Because I am very thankful I've never had a credit card in my life because I know... This is worse! So...

To me, it's not a lot worse because with credit card debt, I could be in a lot more debt than I am right now because of how bad my spending addiction is. Potentially true. Yes. Okay. I see a point there. There is a point there where you would have had probably...

Higher balances. That is true. That is true. But an interest rate of 32% cannot be compared to an interest rate at 120%. You're not going to get 120% on a credit card, even like the most evil credit cards. Yes. 35. But if a credit card company was to give me a credit limit of...

Yes, exactly. So it's good that you don't have credit. I'm happy. Trust me. I'm happy that you don't have credit cards. It was just weird that you were like bragging. And that's why I am because I've been so hardcore. You're bragging about being in credit card debt because you just don't have a credit card. If you had a credit card, you would be in credit card debt. It's not like you have a credit card. And that's why I'm bragging that I don't have a credit card because I know myself and I know I'd be in credit card debt. So I'm very proud of myself for not putting myself into that debt. Okay.

I have an exciting channel announcement and it's one of the most exciting things we've done so far. By popular demand, we've launched a new tier to our channel memberships. There you'll get an exclusive audit that can't be found anywhere else. It's ad free and completely uncensored on the first Tuesday of every month. On the second and fourth

Tuesday of every month, myself and members of the company will be doing exclusive member live streams where we hang out with you and talk about whatever you want to live. And finally, on the third Tuesday of every month, we'll be posting a new behind the scenes podcast called Crewcast, where we'll be discussing everything behind the scenes at Hammer Media. And of course, this new tier gets access to all the badges, emojis, and the financial audit post show. This...

It's honestly going to be really fun and I'm super excited. And we kicked it off this week with an exclusive couples audit and an updated office tour since we've expanded so quickly. Check it out. Link in the description below and in the pinned comment. I'm not even going to recommend the normal fizz card to you because it's a charge card, which means you'll be forced to pay it. And I don't even trust you with that. No. For most people I do, but not you. No, I do not trust myself either at all. Okay. No one wants to give you a sticker.

Like, I don't trust myself with my financials at all. Pretty much any money I've ever been given has been spent. Okay, how much money given? What do you mean given?

So what is this reaction? What are you doing? So a couple of years ago, my dad won the lottery. What? Yes. What did he get? $50,000. Good for him. And I got $30,000 of that. Whoa, generous guy. Yes. Over the course of about a year or so. And in addition to that $30,000, he has also given me additional about $15,000.

Just out of his, because he owns a construction company. So if I need money, I will. When did you get this? It's been, it hasn't, didn't come in as a big sum. So a couple thousand here. Um, actually 40, 45,000 over gross of since 2021 altogether. But when was the last? He sent me a hundred dollars for my birthday on Saturday.

Okay, when was the last real chunk, though? Last real chunk? If we're getting up to that much money, it's not coming in $100 increments. Last big chunk is...

I mean, he's paid bills for me, paid stuff off for me. Last real chunk he sent to me was $3,500. When? Back in 2022. Where the f*** did that money go? Where did $40,000 go? Well, that $30,000... What a joke. Do you have investments? No, I don't have... And you're not making your literal minimum monthly payments on your debts except for your car. And I have no savings. So where the f*** did that money go? Well, that $3,500 went to a... Where'd the $40,000 go?

Either got help to pay bills or... So there was a time period in 2022 where I had no job, no car, nothing. And my dad supported me through that whole entire time. Enabled you through that entire time. Yes. Because without him, I would have drowned. Because I have no family here. It's just me here. So... Maybe you can't afford to be here with your behavior. I tried moving back last year and it got even worse.

So I moved back. The finances got worse? Yes. Because I'm making less and I was spending more. Because I was depressed. So I was shopping to fix it. Okay. You need to see a therapist, dude. It's literal. Look at community programs. You live in the fourth largest city in the country.

look and see what there is for lower income people. And I've looked into it. There are, I just don't meet some of the requirements. I've talked to people about trying to find resources for health insurance and all this stuff. Well, also, you can forge your health insurance. The bill that you gave me, you could. And then whatever copay, I mean, yeah, the deductible is probably kind of high. And, you know, not every therapist...

has insurance and some therapists are expensive or accept insurance i meant and some are expensive so don't get me wrong it's not like it's easy but you literally need to because here's the thing you blew through 40 000 hours your spending got worse when you went home whenever you're feeling depressed you just go and you spend and you get a shopping addiction all this stuff

That's not just stopping. So I would rather you spend, let's say, a couple hundred bucks a month, 300 bucks a month on the health insurance and therapy combined, even 400. I would rather do that for a while instead of literally having the spending addiction for the rest of our life. And I only do addiction because I don't really know for your situation. Trust me, a lot of people use excuses on this show. So I'm taking it lightly for now. We'll see. But...

Few hundred bucks for a couple of years even could save you tens and tens of not hundreds of thousands of dollars for your life. So I've been in therapy for pretty much my whole entire life. Okay. And.

Not once has it ever helped me. Have you found the right therapist for you then? I did. And then she stopped practicing. Okay. And I have not found one since then. How much have you looked? Because I know you haven't recently. I've tried like five or six since her and none of them have worked out. Then you need to try five or six more.

Unfortunately, it is kind of just how it works. Trust me, I'm not saying it's easy. It is not easy, and it's hard because most therapists cost $100, $150, and most insurances do not have mental health coverage. So that's out of pocket. I'm paying to see a therapist on top of... Well, usually, for a lot of them, they count as a specialist. Now, a lot of therapists don't do insurance, but...

I mean, you can still find therapists and companies with multiple therapists that do accept health insurance. Now, again...

Copay might be high. Your deductible might be high if you have a lower monthly insurance payment. So most insurance plans do not cover therapists. They'll cover psychiatrists, but they won't cover therapists. I have tried. So I've had health insurance that has claimed to cover mental health, but they don't cover the therapist. They only cover the psychiatrist. So I've had to pay out of pocket for therapists. And when you're someone like me who does suffer from mental illness, you want to see a therapist first.

once every two weeks, but if I'm paying $150 every two weeks, that's outrageous. Especially when that first few sessions... Let's just pretend all that is 100% accurate. Also...

the correction is saying just as basic. Most health insurance plans do cover therapy, but the extent of coverage can vary widely depending on the specific plan and provider. You obviously need to shop the provider. You need to shop the plan. And I know on the exchanges, there are a wide variety and you could do it with just a little bit of work and a little bit of research. Because so... Well, okay. Okay. So let me ask a follow-up question then. Now what? So...

We just accept it? We're just going to literally die in poverty? Because, oh, therapy doesn't work. Even if it did, it's impossible to find health insurance that covers it and I can't afford it. So what? We give up? We're done? We're not giving up. Oh, okay. But when you have to go through multiple different therapists to find the one that is a right fit for you. Which we all have to go through. Yes. It becomes very costly and it becomes very draining on the mental health and it turns you away. Sure.

from wanting to find a therapist. I get you. Yes, exactly. But we all have to go through that. Exactly. But when it gets to a certain point where you can no longer afford to keep going to therapists to try to find one that works for you, you have to essentially turn away and focus on survival. You might have to pause for a bit. Yeah. But again, you're spending, what was it? 30 to 40% of your income on bullsh**?

Like if we're doing that forever, you're literally going to die in poverty without a cent to your name. You know, I would rather take a few weeks off until we have enough for a copay or to pay for a full therapy appointment and see for a couple sessions that person's right for us. And if we can't immediately go see someone else until we find the right one, that's fine. We can have those gaps to save up the money if that's what is required. You're just giving up.

You've given up. And if we're giving up, then there's literally no point. You may as well just tuck in under a bridge and call it. I am giving up on finding a therapist right now because my only focus is on going. Then how are you going to combat your addiction? What about a group thing? I don't know if there's that. There's group things for everything. So I'm sure there's something.

I'm sure there is. And I've been doing research, doing searching Facebook groups, searching on Reddit, stuff like that to try to find community support and stuff like that. Resources. Yes. The biggest thing is right now my main focus and what I really want to work on is going back to school. Like I don't care about. That's not going to stop your addiction and your addictions holding you back, at least according to you. It is. So I will say I have made improvements in my shopping recently. Yeah.

Because I've been... If spending 30% on bullshit is considered an improvement, then I'm terrified of where you were. Yeah. It is an improvement. I can't accept that. Yes. An improvement doesn't mean it was good. I mean, it is better than what it was, I will say. Because it used to be...

A lot worse. Where my bills weren't... Again, but I can't say this is good though. Okay, let's pretend I need to eat 2,000 calories a day with my activity level and my weight and my height in order to lose weight and I was eating 2,500 calories a day. Eating 2,250 calories a day, yes, that is an improvement. Still not good. It would be gaining weight. Yes. That doesn't mean it's good. When you're going from giving up...

survival stuff. So when I went from... Okay, you keep saying that. So when I went... I went from not paying my bills to feed my shopping addiction to now putting my bills at the forefront. Okay, but not all your bills. Trying to put my bills at the forefront and forfeiting... Not trying very hard. It's a lot better than it was because I would go without eating and I would go without having... Okay. ...

food in my stomach and go without being basically almost borderline homeless to feed my shopping addiction and now my bills are paid in the sense of i have a place to live my car notes paid i have food in my stomach stuff like that and i'm here now to hopefully explain your shopping addiction to us um basically clothes shoes makeup that is mostly what i buy okay um

I will say the main reason for the clothes buying is because I manic moved back to Houston back in September of last year. Manic moved, like moved in the middle of the night and found a place down here. I got you, but this was like nine months ago, so. Yes. And so I brought maybe like five pairs of clothes with me. Okay. And so now. That's how many pairs of clothes I own. So now I'm basically rebuilding my closet. Why do you need a special closet?

Because I need clothes to wear. I need work clothes. You already said you had five.

Five outfits? Yeah. I need way more than that. Need? Yes. I don't think you know what the word need means. So if I need work clothes. Okay. Because working. Get one outfit. Repeat it. Pull the Zuck. The Zuck wears the same thing every day. He's wealthy. Multiple different outfits. Because, you know. Because I've had worked for bosses who do get on to us. And has yours. Your current one. No, my current one. He's. Wonderful. He's chill. Cool. So we don't need to.

I have certain things I wear for work there. I wear shorts, t-shirts, workout leggings, stuff like that. We can probably have five outfits for that then. Yeah, for just work. Cool. Five for work. Yes. Wonderful. So ten total. Five you had for fun, five for work. Not for fun, for corporate jobs. Five outfits for corporate jobs, five for working outside at a bar.

So five for those. So five for, actually I had more than five for corporate jobs because I could pull pieces from other fun stuff I had. So I have more fun outfits than I have for work stuff. I have probably about 20 plus fun outfits. And then I have my five standard office outfits and then my five outfits I wear for my current job. And then I also have my workout outfits. I wear this shirt every other day.

The viewers can decide. How many outfits do you have right now in total across the board? With interchangeable, with shirts, skirts, and all that stuff, probably about coming close to about 50. Okay. Sure. Yeah. Sell 25 of them. Oh, I'm about to dive deep into it. You're about to get kicked off the show.

Back home in Missouri, I have about four extra large boxes full of Lowe's. Like four movie boxes from Lowe's, extra large size, full of clothes. Cool. Sell those. They'll eventually make it down here to Houston. Or we could sell them. I mean, I'm not going to make money. I literally buy my clothes dirt cheap. So I'm not going to make any money off of them. Literally, you're not paying one of your debts from April. Even if you get a little bit of money for it. Like, come on. I mean.

I'd rather have the clothes and then... I'd rather you pay your bills like an adult because you're 26. 27 now. Oh, congratulations. You're more of an adult. Yes. Yeah. And I feel the pressure of adulthood creeping up on me. Trust me. We all get it. I'm single at 29. Kill me. But I don't think outfits is the solution. So I don't have a lot of stuff left to my name.

The most of the stuff I have left to my name are my clothes, my shoes, and my makeup and stuff. So my clothes do mean a lot to me because they're what I have very left of me. Left of you. Okay. Yeah. You need to see a therapist. There's nothing I can do with that. So I don't know what to do there. I don't know what to do there. And you're not even willing to like sell anything.

You're not even willing to sell a piece. Most of the stuff is not going to be sellable because it has rips, tears, stuff like that. It's stuff that's rips, tears that are like easily hideable. Fine. Let's go with this then. So how is the addiction all of a sudden solved? It's not solved. Then how are you not adding to it?

Because my want to go back to school to earn more money so I can keep going shopping. And it's not a real addiction. This is something you like. So not... Let's not throw words loosey-goosey. Because people today love throwing words around, especially in buzzword Twitter. People throw aggressive... It's a coping skill. People throw aggressive words around like crazy. And then you diminish what people actually deal with who...

Have those words, you know people throw around very strong words that I'm not gonna say on Twitter about you know a lot of different things but let's use your example and

Addiction. Addiction is a very real thing that a lot of people f***ed. And the fact that you were allowed to say that and be like, oh, poor me, when you're just clearly just saying, oh, no, because I want to pay for school, I'm just not going to be addicted anymore, essentially. That's like, you're not addicted. You have coping skills, yes. You have behavior issues, yes. But the fact that you get to claim that word is disgusting.

There are people with real issues. In fact, we've recorded with a couple. We had a gambling addict recently and we had another addict of an episode that's not going to come up because it was just, you know, it was a Saturday. We wanted to help them get treatment instead of recording. But even still, that's addiction. You don't get to claim that word. Some more so of a coping skill to help cope with the depression. They say that's a spicy take. I don't know. You're not addicted.

So you just said, oh, I'm not going to do it anymore because I want to go to school. If you're able to just do that, you're not addicted. So like words have consequences. People have forgotten what words mean. I mean, I do know what addiction means. I have someone very close to me who does struggle with addiction. So shopping has I don't take the word addiction lightly.

I meant it more so as a coping skill, but I do know how strong the word addiction is because I know someone who's very close to me struggles hardcore with an actual addiction. Yeah. The only family member I've ever lost had an alcohol addiction. So that hits home and close to me. So I don't like someone just claiming that word. Both my parents suffer with addiction too. Yeah. Okay. So how much in student loans? I think it's a total a little over $3,000 right now. You got garnished?

For a $3,000 loan, meaning the loan was $30 a month? It was... $50 maybe? I don't... Yeah, maybe. I didn't even make payments on it. Okay, but you are now. Oh, wait. No, no, no. You probably stopped because they weren't garnishing for a while. Congratulations. Guess what's starting up, I think, this month. I got the notification from NoNet. Hey, you got it. Garnishing. It's happening. Well, not garnishing. They're like, hey, you need to make your payment. I haven't logged in. And if you don't...

They'll eventually garnish it. Yes. Oh, interesting. I haven't had, I need to call them because I haven't had been able to get access to my account to go in there and set it up. I did apply for forgiveness, which they should just forgive. It's $3,000, but that you took out and signed on the line. Yes. I'm not even saying I'm for or against it, but the fact that you just say it, it's $3,000. It's just $3,000, but it is still $3,000 that you decided.

That the government does not deserve. But you were given. I did not get anything out of that $3,000. Well, that was your choice and your mistake. And you're being selfish. I wouldn't say it's my mistake because. Also, the government's all of our money, by the way. I know. Like, so it's my money. It's his money. It's your money. It's his money. It's everyone's money. It's their money. So it's not saying the government doesn't deserve it. It's all of our money. I know. It's more so the fact that, I mean, I did apply for forgiveness. Yeah.

Still haven't heard back on that. Forgiveness through what? For student loans. When the... Oh, you didn't hear? Yeah. 10 months ago, that was struck down by the Supreme Court. But they did release something else. Talking about the save plan to lower your minimum monthly payments? Yours would probably be pretty close to zero. Congratulations.

This week, that just got stopped by some federal courts. Yeah. So I have not had access to my account to log in to see what my monthly payment is yet. I doubt that. I highly doubt that. These are just... It's managed by... Nelnet. Nelnet. I have Nelnet. I know you have access to it. No. I literally have tried to log in. Now I'm starting to not believe you about the car thing because the fact that you're saying you don't have access to this, you don't have access to that. Because I don't...

The login information I've been trying to use on it is incorrect. I just need to give them a phone call. I know. We'll get around to it. That's you not being able to get into it. That's you not making a phone call. Oh, my gosh. Technically, I can't get into it because my credentials aren't working. So make a phone call. I haven't had a chance to yet. What do you mean? You work 35 hours a week. I have not had a chance to yet. You work five hours a week. What do you mean you haven't had time to?

I don't think you know what time is. It's hard when you sleep during the day because you work at night. Day kind of just goes away. What are your sleeping hours? I sleep from about six to four. Cool. Wake up an hour early one day. Solved it for you. Yes. So that's definitely all my plan to do. Yes. Glad we solved that puzzle. Any other debt? Oh, collections. Yes. That's right. That's right. That's right.

Because we just don't pay our bills. Ever. No. Yeah, we say we pay our bills. I pay the ones that are for survival. Yeah, we spend 30 to 40% on bullshit. Which we're getting to in the next document. I don't know. I feel disgusted from this conversation for some reason. Do you not feel disgusted? I'm a little bit embarrassed, but I will say I have lived a really hard life and been in survival mode for most of my life. So...

I guess we can get into that a bit if there's even more stories, but I... Okay. We can talk about collections first, and then we shall get into it. No, I'm going to go through the checking account first, and then I'll go in Chris Cross applesauce. You can story away if there's more to tell. $260 in there. Okay. What is PadSplit Dover DE? So that's for my rent. So I rent through a company called PadSplit. Oh, so you pay it in micro...

I pay weekly for it. It's also, yeah, because you don't know how to budget, you split things down weekly just to help you. Okay. Going out to eat. Going out to eat. Victoria's Secret. Cash-happing out money. Cash-happing out money. Shipley's Donuts. Going out to eat. Outback. Sonic. Miss A-Stores. Chick-fil-A. Jack's. Going inside getting some bullshit. Ben & Jerry's. Ben & Jerry's. Sonic Drive-In. Panda Express. Rue 21.

Bath and body works. Bath and body works. Victoria's Secret. I just need to like take away your... If you're not driving to work, I want your car to not work. Going to Tricoloruga. That is my car payment. That is for my car payment. Waterburger, that's not. Main Lofts. It was a parking garage. Okay. And then there's your rent split.

And then there's your car payment again. Then we got our nails did for $178. Interesting. Males toes and eyebrows. Hold those things up. Yeah. Yep. Sonic Drive-In, McDonald's, Stallion Express, Victoria's Secret. So we're spending on bull. Feel free to story because it sounded like you wanted to say something. I want to be able to give you the time without me interrupting for purchases. So...

A lot of the past couple years, starting from 2021, is when a lot of my big money trouble started is when my soon-to-be ex-husband left me. Wow. Yeah. So we split off in October 2021, and I fell into a huge depression. So I went out and I bought a dog to try to gain companionship. Okay.

I bought it through not Petland. It was some another pet store. But I paid $1,500 for him. I took out a loan for that for the dog. I learned I could not take care of the dog. So I found a family that could take care of him just because I couldn't even take care of myself. So I gave him to a loving family who could take care of him. I moved to a new apartment because the apartment that him and I were living in was $1,200 a month.

I couldn't afford that. So I was getting into serious money trouble while also trying to pay that rent too. So that really put me into a big buying was to pay that rent. And then I moved into a new apartment, $750 a month, which is something I could afford. And then...

I mean, I lived off the base necessities. I didn't have a couch. Um, luckily I had a bed, um, that I got from rooms to go that I had since I moved to Houston. Um, so that I already paid off. Um,

So basically, I was living off the bare bones and bare necessities. And I was extremely depressed, going through a really tough time, barely making any money, didn't have any friends, was depressed.

falling into severe depression because you know you're getting divorced it hurts yeah and then there's a term for that isn't there sorry just to distinguish because there's like clinical depression that people deal with no matter what in life and then there's like life circumstantial this definitely sounds like more like life circumstantial which is just as difficult I

I mean, I've been diagnosed with this depression since I was 12. Yes. Okay. Yeah. And diagnosed actually. Yes. So I am diagnosed depression, anxiety, PTSD, and bipolar disorder. Okay. Wow. Yes. So going through that stuff every day was an absolute struggle. So basically living in survival mode is just basically doing anything I can to get to the next day. You know,

Didn't care how much money I spent. Didn't care what was going into my body. I struggled hardcore with alcohol addiction, you know, drinking all the time because I was trying to cope with this new part of my life, you know, felt like a failure. So my marriage was ending. I'm working this job that... Why did the marriage end? So it was a very toxic marriage. We don't need to go into it if you don't want to. It's basically the marriage ended because...

We both had to walk away from it. It was, we were fighting all the time. Things were about to get physical. You know, it was downhill real fast. And so we did jump into things very, very early. So we moved in together two weeks after we started dating. Oh, kill me now. And so the story behind that is when I moved to Houston, I had my own apartment and everything. Well, my mother sold her place that she was living in, sold her house to come follow me down here.

And so she wanted my apartment that I was living in because she just packed up her whole life and moved down here. So I was essentially forced to move in with him. Um, so we signed this lease together two weeks into dating two weeks into knowing each other. Um, so we signed this lease together, got married six months in and split up seven months after we got married. Okay. Um, go ahead. So falling into that deep depression and stuff, um,

started dealing hardcore with, you know, alcohol addiction. Sure. Um, you know, struggling to make ends meet, you know, um, I did start selling content on the side, um, doing a little bit of work to make ends meet. Really? Yes. Um,

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So Houston has a very deep, dark side of it when it comes to stuff like that, when it comes to sex work and stuff like that. And I almost got dragged deep down into that just trying to survive. And so basically my mind has been on one thing and one thing only is making it to the next day. And so when I got into my car accidents in 2022, it essentially set me back into one of the worst times in my life. And, um,

um you know it was it was basically about survival and had it not been for my dad providing me with that money you know who knows where i would be now did you go to him for the money or did he just kind of he kind of helped me he's like here's some money you know i'm going to keep you afloat while you figure it out and eventually did things did start to look back up for me i was able to um

find another job because I went without a job, didn't have a car, nothing. So I did get another really good job. I was able to save up just enough money to get that car and I was able to put myself back up in a decent position. And so now I've been essentially climbing myself back out of that hole. And now it is 2024 and I have still struggled with severe depression because I've had more low times in my life. Are you on any medication? No.

No. I've tried several medications. Unfortunately, most medications because of my bipolar disorder have made me more have more of those feelings. Sure. Yes. So I've been working on finding the right medication to put myself on. Okay. And so your dad's helping you. He's been helping a lot. Mm-hmm.

Do you owe any of it back? No. Is it more gift-wise? It's more gift-wise. And I'm at this point in my life, I don't... Are your parents still together? No. My parents divorced when I was a sophomore in high school. Okay. So he knows what's going on, but she doesn't? No, I don't talk to my mother. I have no relationship with my mother. My mother...

She struggles with addiction. And she's tried to ruin my life a couple times outside of following me down here. Followed you down here? Yes. Because she sold her house, followed me down to Houston, and essentially forced me to move into this situation with my soon-to-be ex-husband. Okay. Yeah. Like sold her house in Missouri, followed me down here, and essentially forced me into this situation.

least with this man okay well don't get me wrong i mean i know i've dug into you a lot and honestly a lot of it is deserved we've made lots of choices and we're making lots of choices and you know i've definitely heard lots of excuses and stuff but don't get me wrong

You've come from a hard place and I'm let's celebrate and be happy that you've come out of that as you called like deep dark world of the Houston area of this work. I'm happy you got out of that. I'm happy you're in a safer place now. I'm happy that you're able to make your needs for survival. Yes. I'm happy that you're able to get away from what sounds like a bad situation with your mom. I'm happy you still have a good situation with your dad from here.

On the personal responsibility side, you have come too far to just allow this to drag you back down. Yeah. You are a human being on this planet. You matter. You matter. And you do need to start putting in some basic responsibility on top of what you've done because you've gone so far.

It shows that you have some discipline and work ethic to get somewhere. Now we just need to start retraining some gears and, you know, putting our sights on, you know, kind of the future of your financial situation. Because a lot of life is determined by finances. They say there's a certain number, and I don't know what that number is off the top of my head, that, you know...

You've reached peak financial happiness, and no matter what you make from there, it doesn't add to happiness. But below that number, absolutely finances contribute to happiness. Because guess what? That therapist thing, finding therapists, certain medication stuff, that does cost money, as we've acknowledged and as we've gone through. You have less debt. You make more money the more access to that stuff you have in our system.

And again, there are affordable options in your income situation. I think the exchanges are something I would take a look at, but, and local resources. So we can, you can get access to and live a better life. If you're willing to take some sacrifices, willing to cut back on the bull spending that you're doing, willing to be disciplined on a budget and start paying on this debt. You haven't paid your highest interest debt ever. You've never made a payment. The student loans, you were getting garnished. The car is absolutely insane.

And the insurance thing, I highly doubt, is what you think you thought it was. You owe money to Cash App and then things in collections. Honestly, for now, let's just forget the things in collections. Honestly, let's start focusing in. So let's create a budget. And the interest rate on the student loans is also probably pretty low. I am not exactly sure because I have no access to it right now. It's probably low. Yes. Okay. Total that comes in on a monthly basis, we determined after everything was...

Including cash, but you're not going to start depositing it into your checking account because we're going to budget. Check every dollar. I think it was like $2,600 to $700. Yes. Yes. Say $2,650. Okay. Your minimum monthly debt payments, including the student loans, likely at $30. It's not minimum to Cash App, right? You just owe the $216? Yeah. Okay. So debt payments, $736 a month. What's your rent? $720. And do you have renter's insurance? No.

No. Okay. Legally, you don't have to. I recommend it though. It's pretty cheap. Let me put it in your budget. 10 bucks. Utilities and internet. They're included. Everything's included. Yeah. Electricity. Everything's included. Phone bill? Phone bill is $90. Okay.

You financed your phone, didn't you? Yeah, but it's already paid off. Oh, then who do you have? I have T-Mobile. T-Mobile? I have their, not their Max plan anymore. It's the Magenta Max. It used to be their Max plan, but now it's like two grades below. Yes. Switch to Helium. It literally uses the same f***ing towers as T-Mobile. Yeah, I've been searching around. And it's $20 a month. Yes, I've been searching around. Yes. That one. You found it.

Gas. Vroom, vroom. Zoom, zoom. How much a month? A month? I would probably say around $260. Yes. Say the real number again? $260. Oh, okay. I heard $260. Okay. And that's a lot. Car insurance? Oh, you don't have car insurance. Have you gotten close? So if I get the same one that I had last time, we're looking at about $130. That's...

Come on, there's people on the show with like $400 a month car insurances. $130? Even with all the wrecks you've had? Yes. Is it still going to be $130? Yep. Let's put it there. Yes, that's after all the wrecks and after everything that's happened. Medical. I'm going to do $150 for health insurance on the exchange. And...

I also pay out. I pay. I have a insurance policy for dental and vision right now. It's $35 a month. Okay. 35. And we're going to get $150 of health insurance and we're going to do an extra $150 of copays. Might be higher. Might be less. I don't know. Shop around. Figure it out. That's going to be on you. There is a big part of this is on you to now go do the work. Go do the research. TP fund. Anything else to survive. This includes makeup. This includes wants on things like makeup and clothes. $100 a month.

groceries $300 a month you can use the meal plan in our budgeting program and you can adapt it to what you need so I actually I don't even think I need that so because I work at a bar I mostly work I mostly eat at work and I spend like four dollars a day at work on food and I have like one I have like one week to work uh five okay so $200 a month groceries I don't even buy groceries

Well, you were eating out, though. Yes. I'm giving you $200 a month. At least learn some of the skills around meal prepping. Subscriptions, nope. And you no longer have a pet, correct? No. Good. Cool. Anything else you have to take care of on a minimum monthly basis that we do not currently have in this starter budget? I don't think so. I think that covers pretty much all of it. Noah, do we have anything fun for the post show to cheer it up? Absolutely.

Oh, we're going to play a game in the post show. We're going to play a game. I mean, technically you make your budget, dude. And this is with making the minimum monthly payments that you're not even paying. If you weren't spending on your bullshit, you actually have an extra $139 a month on average. Wow. Yeah. That's what discipline does. Well, yay if you put in the work. I do want to put in the work, but my biggest concern, I...

is going back to school that is my biggest concern yeah i want to do that and we can still do that it might not be well uh well you work a little bit we can still work 32 hours a week while doing school right i could probably i i've done it before i could work 40 hours and do 14 credit hours i've

So if you can qualify to actually borrow in federal student loans $1,000, you can't? Nope. Okay. They rejected me. It's already determined. Yeah. So it's going to have to come out of pocket. Hey, listen. Is dad willing to pay for school? No. Really? Yeah. Because that's like your... I've milked that man dry. And this is another reason I have to... I don't want you to use him. I just figure if there's actually anything to...

help you he said he would pay for books and that's it not tuition or anything tuition has to come out of my pocket when do you want to go to school i want to start in the fall how many credit hours again are you taking a semester it'll be about 14 to 15 to in order to complete what's the credit hour cost 83 dollars so 1245 this is what i'm gonna have you do you're getting a second job until then

I've been applying. One second. I'm going to tell you what to do. Apply every second of every day. You're going to get a second job or work more hours or both. You're going to pay off your Best Buy card. You're going to pay off your Cash App card and you're going to pay an additional $1,000 to $2,000 on your car loan, bring it to $11,000 or $12,000. You're going to do that by the beginning of the falls. No, no, no. No, here it is officially. Best Buy card, Cash App is paid off.

And then you're bringing the car loan down to $11,000. You do that. When does the fall semester start? I think the schedule says, I think it's August 16th. I remember off the top of my head, August 16th or September 16th. Yeah. So if you pay that $4,000 in debt by going and getting another job, because you go and just make an extra $1,500 a month. Okay. I'm reassessing.

You're paying off Best Buy, you're paying off Cash App, and you're paying $1,000 off the car. You do that by the beginning of the semester, I'll pay for your first semester. Got a deal. You got a deal. Yeah. You do that, and I'll pay that $1,245. You need to show us proof. Best Buy card's gone, Cash App is gone, and you've brought the car down to $12,000. $12,000? Well, it's 1,000 hours less than where it is now. Okay. Oh, also, I need to see proof that you've logged into your student loan account and that you have...

The actual documentation on your car. Cause I want you to be knowledgeable on that. And if you don't get that, then you don't get it, but you do that. Do it. Okay. Also go through the budgeting class. I'm throwing, I'm throwing extra things. If I'm giving you money, I'm making you do stuff. Go through the budgeting class and show me that you did the quizzes. Okay. Okay. So that's what I think. Yeah. Yeah. So go get that other job. Sell things. If you need to as well, feel free. Trust me. I won't take that against you. Cool. Yeah. Sounds very reasonable. Okay. Yeah.

Let's get your hammer financial score. Then we'll have fun playing a game in the post show. Okay. Spending in a budget. Well, you're overspending by $300. Zero to 10. Obviously. Debt. You have collections. Zero to 10. Emergency fund. There's nothing. Is there? Zero to 10. No. Retirement. There's nothing. Zero to 10. No.

Zero out of ten. Zero out of ten. Make sure to check out all the resources linked in the description below. They are what I use or would use in specific situations, including the best budgeting and investing programs in the history of the internet. Now stick around. We're going to do the financial audit post show. Link in the description below to join. Today on the financial audit post show. I found this game on Amazon and it's filled with little fun, silly activities. Place nine cups on the table as shown below. Player with the most cups wins. Okay, let's get f***ed up. Rules.

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