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I’m Done With Financial Audit

2024/11/22
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Financial Audit

Key Insights

Why did Lidia have negative money in her checking account?

Lidia had negative money in her checking account because she still had bills to pay while being unemployed. She was laid off from her job and did not file for unemployment benefits, which led to her financial situation.

What job is Lidia starting soon?

Lidia is starting a job in logistics for the private sector, specifically for the Department of Defense (DOD).

How much did Lidia spend on going out to eat in one account over the past year?

Lidia spent over a thousand dollars on going out to eat in one account over the past year.

What is Lidia's financial score according to the podcast?

Lidia's financial score is zero out of ten, indicating a very poor financial situation.

Why is Lidia moving to a new location?

Lidia is moving to a new location because her new job requires her to relocate from Biloxi, Mississippi, to a place about six hours away in Alabama.

What is the main reason for Lidia's financial struggles?

The main reason for Lidia's financial struggles is her poor spending habits and lack of budgeting, which led to overspending and accumulating debt.

How much does Lidia owe her mom?

Lidia owes her mom thousands of dollars, which is a significant financial burden she needs to address.

What does Lidia think about her financial situation?

Lidia thinks she has an idea of how money works but is bad with managing it. She acknowledges her poor financial habits but feels set in her ways and finds it hard to change.

What does the podcast suggest Lidia do to improve her financial situation?

The podcast suggests Lidia take budgeting, debt, and investing classes to learn how to manage her money better. It also advises her to close her credit card accounts to avoid further irresponsible spending.

How does Lidia justify her spending habits?

Lidia justifies her spending habits by saying she enjoys going places and eating out, and she doesn't tell herself 'no' when she wants something. She also feels she deserves little treats and doesn't think about the future consequences of her spending.

Chapters

Lidia discusses her financial struggles, including being unemployed, facing an investigation for unemployment benefits, and having negative money in her checking account.
  • Lidia is unemployed and facing an investigation for unemployment benefits.
  • She has negative money in her checking account due to unpaid bills.
  • Lidia is moving for a new job but is struggling to secure housing.

Shownotes Transcript

Translations:
中文

To watch episode animal order a week earlier. Check out on youtube, you have no actual .

you're being .

done in on. I know what .

i'm doing, what I do. I just do hear one.

I could make this last two hours going to ourselves too. I want to get this far away from responsible your home rendus the existence. And for the year now, I ending the conversation early and kid.

Hi, my name is lidia. I'm thirty years old. I'm from the lexi mississippi and this is financial adit.

Wow, things we're coming down from mississippi. What do you do there for a living?

So i'm currently .

unemployed, but I. True.

just get a job. But I just having start, I haven't started.

She's.

but he has an come, I do an income. I am.

What is the job you're going .

to going to be doing? Logistics s for private sector for the D O D.

Oh okay.

So what does that entail? Um it'll be like pretty much doing um ordering like an arms dealer for the military essentially OK.

So sure things .

I can say online how .

much you going to be making in .

this position.

One okay. wow. Very cool.

Which is a pretty good raise from what I was making. I was meeting forty eight and then a new company took over about me down the forty two. I got rift from my lashes here.

which is how long if you .

have been unemptied now since .

ably ah .

you get a job one um i'm supposed to .

be starting at this month .

so fully so i'm trying to .

figure out to .

aware from biloxi o alabama is a close six hours so no.

is that workers? Yes then you have to move.

Yeah no, i'm onna move. I just my my least doesn't in until sunday.

so i'll be in sunday .

sunday yeah so you don't have .

where you're going next.

Figure out I do. But they're taking forever. They're taking so long to get back me up like asked i've been calling them, asking them.

email ing them. They just I don't .

know like i've had to sign like ten papers like red varieties of all and they're just like, I don't like, hey, I need to find a place to live because I have to start my jobs so please let me just move and what you need for are you did .

you have you signed? Alice.

no, I have in. Okay.

you have a single is so so going to the application? Yes.

so you don't even know .

if you are proof? No, I don't know. Yundt's no place to I.

I have a place to fall back on and I just want .

my moms and where SHE SHE in the right place.

the wrong place. So I would have to, like, push back, starting if I was to have to, like, not have a place. I know I can .

an option. I get an airbnb.

I I quite, yeah. So I was thinking about doing that. Yes so I do what to do B L B N B um or like when those microtechnology like live weekly. But i'm also just trying .

like strong um I mean I really don't .

have any other choice. I can extend my least. I can .

go to the other, the ones we literally .

just perhaps yeah, but I don't have I don't have a way to secure housing up there like I don't have the money for an A B B D thing. How much how much isn't .

is the bigger question.

how much change I .

have negative .

money in my checking account at the moment.

So yeah imployed but ah but why is their negative money?

Because i've still had bills to pay.

Like I get that part, I I get that part, you you get laid off right? I did did you file for unemployment?

I did, but i'm being investigated. Yes, I don't know. I know. I .

know that I .

asked.

So I asked to what as to what? when? why?

What are you talking about? How the unemployment .

I are expected you?

yes. So my one of my old jobs was like not agreeing to the terms that I was not employed there anymore. So again, again, what?

Yeah no, what they're not .

agreeing to the .

terms that you are not working there anymore. yeah.

Even though I put my two weeks in.

they are claiming that you work there.

Yes, but I will say I just got, um yes, what was IT? Why do you got .

to what in this on monday? Why do you gotto bring this this kind of mess into? No.

okay, okay. Yes, it's the monday. But I did get good news that they took me out of investigation. I got a proof for unemployment. I'm just waiting for the debit card to come in.

which is .

should be this .

week sometime. So you didn't have an emergency fund and now have an an emergency fund is an emergency fund fact you are of of okay? You don't have anyone to I know you came here with a boyfriend. He could help. He's not fall backed able .

not that I .

want he .

know. I mean, like it's so yes, I know he has been going through school and i've been supporting us. Yes, so i've had like two or .

three jobs. Yes, what of what OK I get your turn and everything you're going. You literally in the point where you because because you're dying, because you're dying because you don't have any money, why not go drops to make fries for a minimum hour a week necessary at least make your bills flat.

Um well, I was working also spend six hundred .

one dollars going out to eat. So I know going have sympathy that for bills you went out in eight. Ha ha, yes, that's funny. We can't afford to survive.

Nothing more comedic than that, okay. But was IT actually like, yes, how but like what was this point?

Because cements, but they are fast places.

okay? I I can .

restaurant .

possibly, but I feel like some of those may have not been like.

what? One hundred and seventy three dollars.

okay. Well, I mean, what I I just really don't underside, I don't think I spent six hundred, lars going out. There's no way there's .

no way how to think I think this isn't. And I think what what do you mean that's not how this works. So how this works, we also had missile's both in nine hundred and ninety nine dollars and six cents. Again, we're going to go to that also. I just you just got fact checked, by the way, by the producers and fifteen different .

restaurants. Oh, but like what restaurants because I .

don't feel like that real amErica .

will say i'm also paying for two people. No.

no, no, no. Suffer a second. Suffer a second. Let's try to use the wrinkling inss in our brain for just a single moment.

Why the are you even just paying for yourself? Good not to eat. But that again, and other person, if we are negative, our chicky come. I mean, you do with a little fun fact, a little just have a little more. So a fun fact.

A thousand dollars and over drapes this year so far in one account, one account, you do not get to go on to e, you do not get to go take your friends. You are overshot in your negative as of now. I don't know your negative now.

I knew you were over drafting, so I went to but but I don't know you were never now I thought I saw about, and there's always going to this before. So in what world do you think you are entitled to go to or take him? What in what world does he think you should be .

too much?

Come my camera talk.

by the way. Well, I think that i'm also just lazy and I don't, after I work two, three jobs in a day.

jobs be talking about. I'm moving talking about right now. This is right now. I only looking .

right now you think about IT this, i'm spending how I used to spend .

when I was making money. So like, yes, so you don't spend what you used to do when you make money.

I know what would you take yourself out of that? You.

what are you talking about? I mean, what do you like a literal baby? Are you like a child that cannot survive out the of?

Well, I mean, I just think that i'm very, very set in my ways on how I spend my money。 I have concepts of a budget in my head so I think, okay, well, I can spin what I can.

You have you of the fact that.

right? Honestly, I don't feel like that value of there's no ways than that much money .

like .

I really doesn't feel like what are we going .

to do with that? That's an that's an a point that I can even I have a conversation with yeah yeah a Green and basic reality. Obviously, no. We did have the last year of did you get seven? No, okay.

We had your s pair .

roll hit three thousand one hundred thirty four total for the months and absolutely bad. yes. Then you know on a place for a second while you're waiting for a new job.

okay. So how much should you spend in that month? Then in the most recent month.

probably four thousand, maybe more, maybe less. I feel like I was probably about four thousand because I do know proximately how much I spend a month.

approximately the four, yeah, yeah. Five thousand and five hundred and ninety, don't know. I ve never D, X, proxy is the planet you came from.

Well, I oh, okay. So was IT all. And just like both.

Girl, this is just the number that was spent. I say, here's you a little breakdown. Ardy told yah, how much went to food? The food is that phone? Ten percent.

By the way, I went to eat in out. But guess what? You're right.

If was just if you spent the amount, that was your income. But reminder, you spent what? Twenty percent more than .

you made yeah percent ten ten.

twenty percent more than you made. So of your actual income I mean, well, I can do the math. And also if you're next, check in account yes, ten present is bad.

Like in what world you live where that I considered Better, you again, I don't know that just seem so childless, I don't want to just like actually insult you to insult you, but that is literally like the action of the child of your income. You spent sixteen percent, sixty percent are going out to eat OK. Well, negative in our checking account. So you I like you you the only reasonable response that really .

is yeah wo I think that oh.

I think it's minutes of IT.

to be honest?

Yes, I know why. I know why. I knows disputing the why because you're lazy. I know why.

Yeah learn that how google recipe that's free.

say.

Self service, what do you think you are on the world? The finances zero out of ten. What do you think you are? Ten be the absolute best being the worst. What do you think you .

are to be A S why .

be before you say why be generous with yourself?

Because I really okay. I do think I have an idea of how money works. I'm just bad with.

But where do you think your finances are? Not where your mentalities? Or do you think your literal .

finances are? right? zero.

Yeah, the one. A reasonable, a reasonable answer, thank you. Negative checking in account?

absolutely. Maybe one.

Okay, even still potentially reasonable. We want to have my financial score. It's free. Link in the description below, you know, check in out. That's fun. We can see where you are and see where you need to improve your life.

And if you want to come on the show, by the way, and you are least willing to accept that you spent six hundred doors going to, when I literally have IT in front of me, go to kill him, I come slash apply. Would would be happy to have you here in Austin, texas, hi guys, try to start this because this is a pretty stack. We had bad stack. We accor financial lotters very fun and ever said that we've had like three weeks of kind of like dinner stacks, but were back to kind of a pretty damn fat stack, which is not good news for you.

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Once they are gently curious, do you go in there into the Green room and like we like, excuse me, I get paid every time you guys say, and that's why i'm here, I will tell them to say that because i'm going to kill myself. I will tell them not to say, please told them not to say i'm going die or to thank you. I I think your boyfriend as well, i'm going to make sure your tires are slashed.

No, I literally had to get new tired, like I really, really just had to get new tires. I'm still paying them off. I mean, paid well.

Well, I mean, okay, and and I just got a tired. That was how to hole in IT so I could get that repared like friday, thursday, thursday. But I bought the warranty so that was free.

But I had to pay for the the to to come changed my tire because I didn't have the, the equipment to change my entire. So I was, yeah, good. So I was one hundred dollars. But IT would have been free, would have ve been free.

But he wasn't. Can't save one. 嘿 哦 嘿嘿。 Oh, happy monday, ladies gentleman. I wonder. This is getting upload on monday will see arent you got two thousand three hundred thirty four hours and eighteen cents over on here.

Not a good baLance for unemployed but you know relatively manageable bounce for someone who's about to make a good amount of money um especially this is you not one of the higher cost states to live in. So sixty one thousand, you feel like you're going to stress that pretty decently. Probably not you, but the average person.

I am hoping to stretch IT pretty decently.

hoping your boyfriend no, actually he has a job now going to be with you if he, then you can fall back on him.

But he's just got like he has even got paid like he's just got IT what he is doing a paid internship for okay.

how they make IT teen and hours, forty hours.

forty hours oo so it's 吃 东西。 And it's six months, six to nine months just depends .

on with a relatively good career track at that company. If I going to move with you for ours one times .

six hours away, but yeah, he he's wanting to move a much internship and they have it's a bank of branches in other areas.

So and then on this card, we have a minimum payment of A D box. This mum payments are going.

Yeah, but oh.

no creature. I guess that makes sense. If you refuse to stop spending and you didn't make anything in the last one, you put the minimum torture, which was thirty nine at that time, wonderful, but you purchase three hundred thirty dollars, which said that make sense.

You're just you're literally hurting. So you're pushing IT to the limit, to the actual limit. And then the fifty seven dollars, in a sense of my favorite tion asis. Why are you spending on the create card that you can pay off .

and is a cruel and interest? I'm actually not sure what I spent on that card come.

No, like I really no.

I get IT cool.

Congrats tions, why?

Why are you spending .

on the credit card that you can not pay after? Is a korean interest?

Well, because I know I can .

paired off in the future and probably in the past, I didn't take you didn't take you a date. You but I profit take a little bit time to build the two thousand hour bounce I was for the other two thousand three and thirty four thousand baLance. So you probably told yourself that your features of take care, I guess, what your future self self up unemployed and then you can have an emergency fund because you weren't acting like an adult while you are making money. And I have to move and you can afford to move and then your future self up, up.

get up. I'm almost pretty sure that I spent that after .

I was unemployed, but but I knew .

I was going to have another job. So I was I .

felt like you I know you had this previous baLance, the per ifa spells while you had the other job. The other job, this isn't working. That logic is not filling.

You had another job you had in company, you were not painted off. So that's not how would you think about and what no, you're allowing yourself to both yourself. You're excusing yourself to spend money.

I mean, I think what I spend is justified.

I think you don't even .

you find money. I think that .

just wouldn't money.

I know i'm saying like I if IT wasn't justified when spending, but like finding IT. So obviously I spit for a reason.

Same, do you realize what you are saying? But it's not funny. I am just living out of just like like what .

the I mean I okay, I understand that I publish spin when I don't have a job, but I knew that like.

I know you can't laugh with me. You don't know why i'm laughing. I am laughing at you that is so delusional.

But I just just how i've always been. I really like.

that is me. So I know, okay, yeah. I A lot of mistakes too. So I can just say forever. That is how on my entire life would mean they never going to change, never going to have Better. So how long.

if you, a boyfriend.

seven and half years OK, the decent tells me, might be together for a bit, meaning be marriage in the future, meaning you're gonna strawy him because you refuse to make any change. Your progress, maturity in your life, your thirty, congratulations, no longer twenty. You cannot make these mistakes like you have been doing, and you certainly cannot make the excuse of this is just how i've ban.

but i've always had a terrible time with money. And I know.

but I just .

I T .

woman, I literally just told you why I don't think about the I used to or this is how I am. I know I don't care. And then you immediately go back to that after not in your head yeah.

but I am so cold like obviously here to change those. But i've had this. How is for so long it's so hard to like get out of that because i've been here before, like i've done, i've racked up.

I've paid IT off. I racked up. I paid IT off.

I rack up. And just it's vicious cycle. I can't like i'm not breaking. So okay.

why do you think you haven't broken up?

I to be honest, I just think I feel like I want IT so like if I want IT, I will get IT like I don't .

have any way.

I don't tell myself, no, yeah I just don't .

not even a thing is a coin or anything is just like I want .

so I get pretty I mean, so like do you .

want to retire?

I want to get a home.

How much is in your retirement? Twenty five thousand, okay.

your behind for return? Yes.

but I to a home with the boyfriend, future husband.

possibly I do. You want to home?

Okay, maybe not with him.

Well, no, like I do one with him as well. I just don't want to get married, being in the financial situation that .

OK so you want to change IT, yeah, but you want that what I want more.

that what I am doing the purchase? Yes, like I don't think about the future. I just think like, oh my god, I just I like the way that looks. I want to get IT I know about the repercussions. I just do IT.

So I yeah, I really.

really bad time of like that, like formal feeling.

Don't want to make out, you know what this means though. What this actually means for you is okay. Maybe that is you. And we just have to accept that part.

But you can have access to credit, son, because that is the most dangerous mindset to have when you are given unlimited money. Pieces of last, you can spend infinite, and you can, you just have, can fast IT goes down, that IT goes up and IT go down that IT goes up. You are not a created card person.

You need to use like a debit card that builds credit, like the face card do that and recommended to all the guests unless they are really bad. But I think you, with at least your understanding, are and desire to get out of IT. You could use a resource like that, man, you just not a created. You can have access to credit, you credit, but you need to close the account.

Thing is, I paid off. I paid off my grade cards and I cut them up, like physically cut them up.

when? How many of .

them before I got laid off? Yeah.

I think you didn't build all these up since you ve got laid off two weeks ago.

a month ago.

Okay, a month ago, you did not build up literally tens of thousands.

Well, I did. I took alone to pay them off. I don't know how much .

I actually like are you saying when you pay them that you take alone?

Yeah like you pay them down. You pay them down.

You just move the that somewhere out and then and then you built them right back up again if we met if I met with you before and how they said, do not do the consolidation because the consult dating is great for a lot of people, but not until you build the discipline that necessarily actually get out of debt, because then you will have proven to yourself that you will not get into IT again. You don't actually pay of any kind. You move them.

And because you didn't address any actual behavior problems, are understand in a what a credit card is, you just built them all the way back up again yourself. We should have a mock up. But I took .

that well now before I knew I was getting laid up. So IT all kind like.

that is matter regardless, you can change. You won't change your behavior .

if you won't let off. And I obviously didn't change because I cut off my physical digit.

People why I say close the account sometimes that's why everything is digit. Close the log count. You cannot have access cities.

You cannot. You are irresponsible. You speak like a child.

You do not understand anything about money. You have no respect for that. You no respect for that. You cannot have access to its okay OK and IT saves you, IT saves you and IT saves your future relationship. IT saves the goals .

that you have。 And I do. I have goals and that's why I like, I feel .

like goals.

I want to buy a home. I want to be fined. I don't want to like worry about how much I have my bank account, a stress free life. I don't want to have that. I .

think about .

nothing. But yeah, I just like I don't want to like go through and be like, oh, I have to buy gas. Like I wonder if.

If for older, everything the thousand times in a year looking should be a basic minimum requirement. No.

I I mean, okay. So with retirement as vector retirement, I do and retire and I do, and I look at my retirement account. But the reason why is so low is because when I was in my previous death situation, when I was in my early twenty is um okay if I lose out my four one k and use that, I just close this out though I didn't like take a one on IT. I just took the money .

and then I had to pay like a taking a one.

But ever since then I like.

don't touch that because I know that when did you take IT out? You know how much much, ingo.

here we go. As long time was like ten years least. So I .

was a, yeah, how much one did you have an four .

one kit to one? T really. Like ten thousand.

yeah. IT was done. I did ten thousand. A twenty five thousand. By now your retirement would have been double, double.

You would actually get on track .

for where I wanted you actually for your previous income. You have been right on track for retirement, your halfway there now, but you would have been right on track. And you mean previously you saying you have paid off debt previously before before the consolidation as well?

Oh yeah, I had to feel like consolidation loans before.

How many times have have we've been through this process in your life?

At least at least three, that I remember .

what is different this time. What though I know we're talking about what is actually different this whole, I .

feel like, I feel like i've made like I have okay, maybe IT doesn't reflect that i've made this changes, but I made the changes like I feel like i'm ready to like, girl.

you're negative in your checking account and six hundred thousand and months when you're on the play, making no money, going out to eat, what are you talking about? This is huge for financial city. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space.

Online, we have a budget in program where I teach you how to create, manage and revolutionize your budget and control your money. And then there is the investing program where I teach you to define what investing profile applies to you, 哎呦, our life, and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program, where I teach you the best ways to pay off that, manage that and even take advantage of good death.

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Change in here.

And let's change for the worse.

When you put IT down down about your head.

I give about what you do.

Yeah, what yeah but like, that's why i'm here to change that right?

Walk by someone in my head. I'm thinking, oh, this person looks nice, lets us keep walking by them. But a person, I punch in the face, I still punch in the face, even if in my head I was doing something notes. So I will give A S in your head, give a for what you actually go. Yeah.

I think I just.

you want to know, just spent in this account IT was probably necessary, right? Because you know, you are just saving, you are just surviving to survive, right? Simply sweet something there.

Oh, wait, I do know that was for, I was a hotel. I went out to the job fair to get my job.

and i'm going out.

Okay, well, I was traveling and hungry, and their basics are good, that a six hour old sandwich packs some .

crackers. You know, a dot back of thera. Are you like stupid? What are you doing? And do you not know the technology that is existed for .

the last fifty years ago are good.

Yeah, biscuits are good. Not having negative bounds in the second account also pretty good. Being able to have the adequate amount to retirees also pretty good.

Being able to for the dom payment on the house is also pretty good. I made a critical that we can pay off is also pretty gun. There's a lot of things are pretty gun. All that stuff ff is seeking around these .

biscuits still sticking.

No, that then push out month, weeks ago. yeah. okay. And then brick and we find ninety five dollars a break and phone yeah .

that was um a like birthday brunch for my boyfriend's mom happy .

birthday boyfriend mom, let's have boyfriend paid .

for like a big boy I was 嘿嘿嘿。 Hey, hey, hey. You have negative .

money in your checking account. IT doesn't matter what you are about to say, I don't care, I don't care. Well.

you are .

not from .

that to c litter.

You hey, you have paid a thousand hours of the bank for not having enough money this this this year in one check in account. And you say this is justified. You don't know what justifying is.

There are lake over jeffes are expensive though they're like the dollars .

each time that take you a little. Please ever have a child?

H, I don't is not yeah.

unless you become more mature at some point. No, well.

I like my freedom. I like me on to do stuff.

Well, you're certainly utilizing the freedom to give up.

I like going places and eating things. I know you obviously.

I look at both of us. Yeah, we eat OK. I guess collisionless good. You have had you have had fees this year, meaning you probably missed payment or you were late on a payment at some point. Also six hundred five hours interest on one of many criticisms we are going .

to go through that .

you are still spending on a more, bring up the business, making the interest more. No, you don't get to have any other interests. Pretty bad.

You're making a bad. You are doing this well. What if you can tell me, well.

what I have to over the interest.

why they they don't know you that you're not entitled to that. There are business and you're making that money. You're being stupid and being taken advantage and that is your fault.

I think that I I don't try anything .

you think I understand .

my spending is bad. No, you don't.

You didn't know how much are. You didn't know what you spent on this card. You didn't know you refuse to accept the six hundred dollars you spent going out to when one of those purchases nearly one hundred box. So you you don't know anything but go head well.

okay. So I didn't know that that was like all encompassing all of my I thought that was maybe just my checking account, but I was I didn't realize that was all of my accounts. I spent that much.

much. What are you saying?

I don't remember. I don't remember.

Blow, 嗯, i turn my face after this conversation is .

my favorite color.

Must be because you love giving them a lot of money.

Oh, there are my lower interest rate, though there are my lowest .

interest is literally above the credit limit on this car and are U. K. By where two cars dinner.

We're already talking about that. Me too. Yeah, this is the last propose is that IT doesn't matter.

You're over the you're under the limit in a debt. You're right. You wouldn't have any sense of understanding about that. You like you're OK with being under your limit, your minimum limit in a David account. You why would you care about being over a cut limit credit?

Why would you like I don't even know you are in such a different world in reality than the rest of us. I don't know how to make the seem like IT matters here though you don't even realize what's happening. Me blue, yeah, one thousand, nine hours and twenty three cents. In fact, credit limit thousand. That means you're over.

Yeah that was probably just like the interest so that that put IT over.

Whatever puts IT over doesn't matter if you put in at the max and then you don't make a payment and then the interest that goes over.

okay, listen.

if you put in if you put IT towards the max and you make your minimum payment is never going to go because your interest is nine, forty one, three cents. But but if you not spending money, your minion pain are twenty dollars gonna make IT go down even or slow even, if only ten dollars. So now put IT over.

You spent three hundred five dollars. Three hundred five dollars. You push into the x you don't know what you spent on this cards do. You don't know what you spent anywhere on anything?

God, this was literally .

a couple weeks ago.

You know anything about your life? I really you back, oh.

this world .

yeah, i'm just so used .

to like .

this .

world the no, but this is just like I just like .

my car and I know how .

to the cards work.

Okay, I don't think about IT. Like I just I know like I know i'm going to have the payment, so I just spend IT, but sometimes .

you don't have money in a check in account and the payments are do yeah as then you had a Fiona last credit card. Yes, this end within the year.

kay.

how are no, I mean, like.

I do care, I do care. I mean, I rather not pay a few. But if IT happened to happened, I mean, what I mean, one of my, if IT happened, IT happened, I can't change IT. I mean, I can change IT technically in the future, but I can go back and change I T3号 来。

玩 unless I call them me OK。

不。

我不是 弄 了 kendall .

mcDonald when and I got .

a drink from circle k amazon books a million also then some like pets myself and more Green stuff and yeah and then some gas is.

well, so some necessities.

some, some well, well, you don't really know. Did you get four doors medication?

Yes, actually that was OK. Yeah, so welcoming was actually like fever because they were not charging my insurance. They were charging my good arx. And IT was more expensive. And I didn't know insurance.

No.

they had my insurance, so they just aren't filing under IT. And then I was like.

OK you. Thank you. M A C.

choose to spend .

all the extra money that was more than that. yeah. I thought that in this conversation, when not even forty minutes, then it's going to be one, one quicks, everyone I swear for over the living one I think, I think I may be. No.

no, i'm not sure what my limit is.

No, okay, over think I don't know.

That is all again.

This is one of those things, work. Look, look.

I know, but look, I have three of them. So yeah, just luck ones luck. I just start to avoid IT.

可是 work in how button to get more stress effect that you own more money and extra fees and more interest。 What you mean that would trust me out more?

Yeah, I mean, yeah, that is a lot of you get bounds of three .

thousand and one hundred and sixty seven hours and fifty cents on here with a minimum monty payment of hundred and fifty dollars. Kill me. now. Take up fees this month, this month fees, forty five years of purchase, great. Thirty nine and arts of these and eighty five cents of interest in fees.

I don't know what that's from you.

don't know anything about your own finances. You don't. So trust me, i'm never going to ask you. I don't think you know which spent you to know these, you know anything.

Listen, I just like everyone else, I am going to put you through our budgeting class, are our debt class and our investing classes. Action, the skills, know these things. I don't think you're gna even go through them based on this conversation.

You all can go through them. Tens, thousands of people changed to life. You can all bono to get twenty.

Hey, I am pitch right now. Come on, take IT off the picture. What I will go through them.

please do because you .

actually get Better.

Okay, because I actually did the day verme thing doing, like my goi did the snowball and I didn't really work.

But going, so never mind, I don't. But the thing is, what do you mean I didn't really work because I said how that works. IT didn't really work the way you're going.

problem. What you mean I didn't really work. What's didn't really work? Do you even know? Snowball is we're me.

yeah. So I would like pay them off. And so some of the stuff I like paid off and cut paid off.

What is so ball?

Oh, so where you take like your lowest baLance and you pay that off and then whatever you're minimum month and then you add that to like the next and you like, yeah and I .

and I know that so on what .

didn't think .

that is of the fall of the snowball?

no. What the method? Me, no.

Didn't work for you because you are a child. You have no business. You don't a budget because you can't stick anything.

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Yeah, well, that could I I don't feel like that's IT.

but I could be feel again why the this feelings matter. This is just your numbers. What also would you feel? This is what's being presented to me.

Yes, I also just .

have great so laugh about I just feel like .

sometimes it's necessary spending to how you know to say little sweet treats. And girl.

and sweet treats are not necessarily spending. Girl, stop with the sweet treat nonsense. Stop with that.

Stop with that. stop. You don't need IT the amazon, amazon and stand making and chicken.

No is a restaurant. yes. Yeah, you don't need that.

I don't think you know. The world need means need is you need that. You need IT is critical. You need housing, you need utilities.

food IT is food.

but you did not need IT. Ah you got a of the groceries .

yeah yeah. Well, I mean, yes, but it's hard to find time. Go grocery shopping when i'm like working so much.

You have your no.

i'm not working.

This is in the time you not working.

Yeah you might be right. But but i'm saying this .

is depending on you.

he's doing school. How much school? A lot like he's doing all his certificate .

was a damn day .

and i'm probably like. I don't know, I was working.

so i'm sure OK how many hours .

you working, what depend if I worked .

average to come on your meeting .

a forty hours weeks a week.

total one job?

no. Okay.

everything you we've .

done .

a good set. Pick up a little bit more money, even if you had to do that. That is still beyond more when he comes to savings of meal crapping. Okay, not that I would even want you to do that because you can now you know where things are.

The store run the children .

over and push over the old ladies and the doesn't matter, go kay missions.

I has really high grocery tax for the eyes in the nation. Yeah, we're the highs in the nation. Swear we're like seven percent or .

something groceries.

Yeah, we're the highs in the nation. Criticise yeah.

it's a fail state in every .

other way to do the tax. Yeah yeah. You would think with how many people are like insecure about food, they would actually do something to like help. They don't care.

Questions, subjects of the full state tax. crazy. Well, I come from the michigan and here texas grocery tax yeah.

nice because my actually I used to live in a different state in my grocery bill. I moved back home.

Yeah yeah. So IT sometimes .

honestly is cheaper because when .

they buy their they're getting tax too, like that stuff. It's still be impressed on to you ah and then you got the wages, your pain for of all the people that are cooking the food, cleaning the restaurant and you get a little bit of that the go to so as well of course but you get no IT is not you can not mathematics .

little seven percent bomb in grocery Prices are not I also always like, why yeah well also I said that I like, I like my big and cheers good.

And you spend a hundred dollars and groceries.

you're not going and getting gross .

so what do you eat out for every meal? You swear everything you're seeing the stupid thing i've ever heard, don't you don't have to go the expensive, right? Yeah you don't have to.

It's fine. It's fine. Just don't like if you want relatively healthy, don't over the overly process stuff just so he's making he down with school, he so doesn't matter anyway.

Listen, if he wants to core screws because I always going into exciting ber stuff. If he wants, uh, certification through core screws, we can give that OK as you guys because you already landed a job and he wants to get another job. So course cars are a great partner degree, get Better pay.

So okay yeah.

So um if you want to even know to beings room and he got out.

okay, thank you.

No go. Oh good. everyone.

OK about.

I think compared .

to what the limit is.

is bad yeah I mean your your seventy five percent of the max yeah you seven hundred fourteen dollars and seventy nine cents is still what you're still purchasing. You're still purchasing that's that matters.

Spending girly anything that's cute.

Q this discussing.

shut up. But honestly, just really don't know what I.

but an embarrassment. Stop, stop. Look at this off.

stop. No, that's not funny. Spending girly isn't cute.

I, I.

Know that .

it's not short, maybe like cute but it's reality like .

no read in the numbers you dum piece of of course it's reality if you pissing me on you that's so still that pits me off so much god and i'm probably been a dick and I am really I know that's so down. That is some dum shut. Well, let's see what I actually spent .

on before we go in and we've seen are spending so .

far doesn't matter. You ve already overspent on stupid ball and eighteen dollars, six sense of interest. That's cute.

A good personality trade. Good boy. For him to know this about you, you know your death situation. I think .

that he does an extent. I don't really tell him that much about IT. what?

What do you think he knows?

Do sake. I don't think he really knows like what my credit cards are at.

so we can inform him.

Well, I also just like it's embarrassing .

to say it's maple or subscriptions. Who knows what is that? One might be storage for iphone or I cloud. Who knows you but you got two apple things .

I don't know that is.

pull your subscriptions in your iphone, going like a grinder subscription or something. Believe you lost twenty five thousand. No, ten thousand hours.

I twenty, my crazy lazy. Because like doubles every seven years, we have been about twenty five thousand years. I ll show you, dude, sick.

Your phone, I was having IT in, but I wasn't coming up. I don't never go there.

I look at my subscriptions. You pay for apple fitness plus. Yeah, I got my watch. Sure do not that.

But I worked like, I work out like in my house. No, but I used like the videos, like the guide of videos and like a meditate.

And so OK o stop. O okay.

see. Yeah only have one. I don't know what those are four.

then I really don't know. I just okay.

possibly.

but I use to, I always think there was like a moment, science for just think and you say something in your voice irritate me so much. This is where jobs.

This is your opinion.

Could die. This is the weird job just going, let you guys, sten, to a little secret of life here because I just wanna went for a moment as before we continue, because i'm dying. This is the job.

And IT is an absolutely amazing job that I got to show and I get to do this. And I love almost every aspect of the job I really do is so cool. But when I just sit here and I talk to someone like this, I hate this right now.

I really don't like this because you are not reasonable, you are not mature enough to have this conversation, and you came on applying from the audience position. So there would be some reasons you came on as your dad is good and you simply like you are able to talk me and we allowed you to come on the show. I'm sitting here twenty five minutes and I hate this conversation IT doesn't have to feel you are just just don't get IT as you. Yes, you are just so immature and incapable of just existing in reality with the rest of us. And this is miserable.

again, opinion. I don't think I am that immature. I don't feel like i'm that mature. I just know, I know what i'm doing when I do is I just do IT anyway. You know what I mean, like.

listen, sten, okay. If they didn't put so much to working into the episode, if we didn't spend thousands of hours to produce every episode people where they need to be in other stuff, I would keep you out right now. I, I, you pass me off.

You do not exist in reality. There is no way. I refuse to believe that people are like you.

I refuse to believe IT listen, you're just so delusional, but you're just not willing to listen and so not arrogant. I don't know the word, but things is deflect of you. You are just taking this like a reasonable adult. IT could be different.

I mean.

I die and I know people will find IT interesting. What they don't know though is that it's a literally just two people who come in a room. We have not met each other, sit down and start talking about their money and give their game opinions.

IT doesn't have to be this way. You are killing me. Doesn't matter how you plan.

And i'm angry, i'm angry. I'm angry. I'm angry and i'm going to keep going. This is why people take a back on addiction.

Well, that's a little far.

What is okay?

The delta does my tired.

What is this? Oh.

a firm. Wait, a firm. Yeah.

oh yeah. Well, no shock with your spending. Yeah, you have a firm. Why do you have dota .

of my tires? No.

I tires.

I had my tires.

OK taking that moment event.

Yeah, they were really ball their smooth when I got .

them so and as bald as your boyfriend, but they'll never see proof IT.

Um yeah a firm i'm like in a firm so can you just put like A I .

generate a picture of a bald man and make them think for like five seconds so that's what looks like back then that be funny and you can leave this part in as well. Audience.

um yeah, i'm just like I really enjoy a farming .

things at a feeling. Please don't got not you don't have you do not just more friends. Enjoy what you mean to join. I understand if you you're really if you said I have to a firm like I want to push back, but I enjoy, mean, enjoy like it's a feeling what say instant gratification of like.

okay, may I have the money? But I know you paid a few weeks so I can make the .

payment you twenty seven point three seven percent interest rate, you're making the money you are why I think they went public right? And why i'm .

o so I was on create card. That's just my phone, right? I actually don't know, know them .

IT all looks like a firm to me. It's a for a firm.

No, yes, that's my apple watch. Yeah what I bought that as a graduation for .

me for myself.

August.

I graduate with your associate in what?

嗯 oh.

what's of the number?

No but yeah no. Me and um me I was on we go way back .

where I you can do control things.

Sure, i'm just being rolling that business life.

A A, A funny little girl. You think this is cute. I hope your boy from watches spect and feels disgusted. I was mean, I was mean. But I just like usually I A bit more rose and county and I just feel mean right now because just I don't enjoy your presence.

I'm just a little baby. I have no, I just have blocked .

you really are trying to be funny.

actually like that that mean. Oh.

man, you yes.

I can.

You 不好。 Oh, god, just keep going. Oh, are you my brain is like swimming liquid right now.

Just trying to like, what do I even do here to get out of this or something? Can I leave this conversation? I give you on your tires thirty five point nine seven percent interest on them.

really. I know that you don't know anything .

because you don't look at anything. Why would you know anything? You think you would know anything? You don't know anything and tell you look at things you don't know what you talk IT about.

I I thought this was be interest free like I really did think I was always be interest free. Honestly, I thought IT was you probably .

extend at the term or something because sometimes theyll do interest for for like three months. But if you say no one to do this for a year.

like possibly but there are so expensive, tired or .

stupid expensive .

if yeah well.

well what well, what I .

mean yes.

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Zero percent interests that are ninety four hour purchase. Think as the one of zero percent guys we're making IT. We're making a guys everything's good, financially secure, great, nice. But all these together all these stupid firms together, only four. Fifteen, nine cents plus four doors and only five cents plus eighteen dollars in fetish cents OK from from two hundred, two hundred.

seven hours.

I just thought I heard a noise come from your side today when I got very okay, but I did return something from .

that because I fall bad for getting what I bought a person wallet. But then I said.

I don't need to the sack. Yeah, great. The zero percent bulch say, four hours and twenty five.

No, no. I'm so paying that IT was more yeah. So I returned like the thing I didn't like, I didn't my phone. So I returned IT, but I thought I .

was responsible. I went talking. I just IT oh my.

I would have just kept IT. And just like being like.

oh well, we have in you know we usually upload like an afro video on our membership section for hammer elites and hammer prose. And we know they know that we have a very sharp sort. Those delivered.

Its takes little place sort. I wanted take that right now and sacrifice myself from of everyone. Yes, you purchasing on .

this tude .

account, you have a purchase on so .

much money. Okay, but I did actually like freeze my amazon card so eze .

close your day because you'll turn, but I don't give a single life. And you know you do anything.

Are you like I .

want to you .

know you don't .

want I do.

I don't want to like .

being in this like one percent no.

like twenty five at least share.

She's you think this is a joke?

No, okay, you twenty five years, I well, I mean, sometimes that's all you have likes which got to do to goods .

ye know what you got to do to godby's bolt down, make a plan, figure out what IT takes to get to a goal, then start working on those that so that takes I know what you're talking about, dude, neither to you. Be sure to justify every stupid little thing.

I'm not really even sure what I .

spent on that and it's only the I haven't heard her say that about anything else.

It's only the store car T O O K spend IT like outside of amazon yeah it's .

a lot more can end the foods h really I know I actually don't listen.

Well, i'm not I don't live. There's no no whole foods in mississippi.

You know, I probably just a dollar store. okay?

There's so many dollar ge doors.

probably so good.

It's not great. Don't move.

There is a four hundred forty six hours and eighty eight .

cents OK 到 300。 Oh, no, I think it's like a five hundred people.

right? I mean that you .

look at IT like that, like with everything stacked up with IT. But just on own.

you mean it's all bad. You're spending and there's interest. It's all bad.

You're never gonna get out of debt. You're never going to get, never get every time. You're never going to have anything.

If you're logic and looking at this will unapplauded the negative money your check account is, it's not that bad. You're done. You're done.

Listen, listen. You are done. Yeah, you have no hope. I feel hope.

No, that hope is the delusion you have no hole. No, I think IT is. I really do. I think that there.

I think you can always get out of the situation. I think there's a right thing, end of the tunnel.

Only if you drive you. You're not you're not doing anything. You're just sitting in there and sometimes going backwards.

We're trying to figure out a short cut. But guess what did that way on the time you going to fall the live? okay. Like this is what you've done when you get yourself into that that consolidate table .

yeah yeah that was like now looking back, that was probably not like the best idea but um I didn't know I was going to be late off which is .

also a one hour of my wife is longer than ephod gone in. Cash month. I've never felt a link of an episode like I am feeling this right now.

That's not funny, it's not cute and it's not a good thing. It's disgusting shocker. You purchase in amazon, we pull your amazon active. Are we even helpful through this?

I don't really.

You pull up your .

amazon there.

Amazon, good. Death lady, good. You're getting wall sense.

Oh, we got more wall sense because we've cant breathe. SHE has a little car. Sea question thing, yes, I think.

Gonna I okay.

stop you. How we can afford IT do you need to be working me a little? You got shoes probably never handed.

And those what is what is a risk cushion for the keyboard? That's okay. I don't think you need necessarily that. So you ve got the same despite ad that I purchased .

from my employees.

It's nice you did not need new keyboard.

You did not actually about you. You did well now about your person.

why do you need to? I didn't like that one. Did you return that you haven't returned?

IT, dude, I don't know. Is that so return window. Don't know, i'm a physically violent man.

but i'm about to be.

I figured I would use one for work .

and just one. We got a good, good wireless charger for wireless charger station. s. We got beats pro studio. Thank gna guys.

By the way, on the point, i'm neck money, a beach bag and then a wait blank IT. None of that was necessary for your life. K, do not need that to survive.

You did not. Well, are you wearing me again? Lady.

the way of blank hops me sleep. I need .

a boyfriend.

He's too, is still too hot at night in the waited blankets like kitted. So IT breeds. So IT feels good.

Okay, what? what? We each have a wait, blink.

We eat. I wait to link. IT was no. We OK no. I bought a .

wait .

of blank for myself. And then have you ever heard silence .

and not been able to like and have been able to exist after a moment?

No, I don't like silence.

like tell.

but each other own way to drink IT.

We both i'm so excited if you guys, i've never been more of the world .

for a couple of my life. No.

it's good. I promise. 应该 是 the couple will look up to you both have wait b links, ts example for .

the rest of us. Maybe it'll help you stressed if .

you get Better sleep too, so you can lead in my dog in the and in five minutes because he has a little upset stomach. And that is thinky and that harder dissector.

That's kind of gross.

Yes, it's far. Yeah.

it's not the best. My think too.

You have dogs. I have one dog, no. Two cat, no, yeah that's what the pen .

smart was.

What mean you can't afford pettier .

to have pendentives .

you you how you can .

afford IT like ten dollars for the dog for for all three? It's bondel with my current current yeah o OK .

i'm not yeah because .

when I was when I first got my dog SHE like both her league and I didn't have insurance .

to break her and he .

was I had like I lived in a condo that stairs and I had like a baby gay and he was still and SHE tried to jump up with the baby gate.

and I was really sad. Yeah.

but SHE did IT twice. So.

so OK right. So .

after that I got .

on possible .

pay out .

paying for .

it's just like a firm, but paypal style. So it's just a little like many long things, usually interested me. 意志力。

When the jake kisses. I know this one. I think SHE is a the worst of the worst human bean i've ever met of my life.

I shot, i'm talking to them. You're not a part of this conversation. You are a creature. No, I need a way from you.

We have a bell veto in my bag. If you want one, it's go to bleed. Ry, I brought snacks to come here. I will say that I do.

I make gas stations.

No, I have a bottom actually from the grocery store. And I brought .

them with me from the house. Purchases of the gross store .

smacks probably in breakfast food and the breakfast girl.

hey, I guess what? Guess what person? What is this? What I even looking actually.

let me see and idea to bring you up on paypal.

a one agreements to something out. Paypal.

yeah it's paypal paying for so it's like a firm of payer. Ah your .

percent interests on that? okay? yeah. Is your percent interest on that? okay. So you are two here. IT is too.

Yeah that they are old navy .

and loyalty brand market. What loyalty brand marketing? What are you marketing?

No, that's I said, yeah just just stuff necessary.

You don't have .

any underwater no, I did. But like you can buy you needed to do IT when you had .

negative money and taking account in no income can wait a month and you're going to do the month previous and to be right now.

Well, I guess that does not .

make any sense. Interesting OK, but realize.

but all navy was workplace, and I need for my new job.

Okay, what would you need to wear? To sell guns to terrorists .

is like a office job. So I have to go to the office and it's like office sheet, whatever or it's a power suit. And I worked from home previously so I didn't have workplace sorry.

needed them. I don't want your your .

voice and have i've .

concluded. I've concluded, 需 OK。 This is, weren't quiet time now can quiet time? Two thousand six eight dollars and sudden cents is out on this. The sixty seven dollars in two cents .

paid three more times. And then you're done. Oh, wait, no is less now. So yeah, I thought I was more.

That's one. Next one.

paypal one.

I'm it's still different loan.

right?

I think there's two ones. There's two.

but in total, it's two fourteen to fifteen. Like it's two separate once, like forty one, six years, something like that, right?

Yes, that's what I was going through. All, oh, my.

I thought you wrote down the wrong number.

Like, I could never have a beer with you.

I, I actually like beer.

Me, no.

I do like here. No, I do.

Are you drunk right now?

I wish.

No, I could not imagine what that's like people want to okay you i'm sorry for being mean you actually kind of not really I don't really feel I don't feel if you're .

being that mean.

No um I just I feel I hate the feeling and feeling A A dislike told someone seriously .

you just like me yes and I hate that.

I think I really I feel that .

tods the government just like them I .

can what I mean, you're in my studio, you're my life. You're sitting across me or a world where people talk absolutely I say that you can say IT do I give okay, what you mean? You can say that, well, what are you talking about?

Yeah you can tell people you don't like them, all of them, but I usually don't don't like people. IT is rare for me and actually like legitimate, like someone every time on the, you know, so I blow up, I make the finances known clear to them. And IT is rare. IT is rare, maybe once a month that I legitimately not like someone. And I feel bad that I do not like you.

because this sucks. What are you telling me? And like rare.

yes, and that's like Q Z. So go. Oh, I don't know if I want to have you in the power. I don't think, what would you be? I don't want to talk .

you anymore.

I feel that I feel you understand.

I get IT .

to see I mean itself. There's a thousand hours, twenty six month payment. Well, you're spent crazy in here. Five of people I am just going to get a perception of because this isn't jin pop shop raising canes and garden korean space center.

I don't here I am .

observing the thing here. What you're going through OK OK, okay, it's at twenty six plain, four nine percent in great wonder. awesome.

And then we have upgrade as well. Oh great. Seven thousand and nine hundred ninety six.

Oh, good, thanks. I don't need an explanation for all this. I'm just trying to just get a perception where, okay, okay here.

What is the nine and one thousand, two thousand years there? Eleven hours. And then seven minimum pay for three thousand hours one, three thousand hours, eleven hours, three thousand, four hundred dollars.

And that's fourteen dollars a months, five thousand, four hundred dollars, twenty one dollars a months, six thousand, two hundred hundred, three, ninety thousand dollars, one thousand, seven, five, doll, you are money to your dad. Thousand, someone slip this world. What do you own your dad?

What you own your down dad? What do you own your dam? Dad.

that's the first console.

Lida, on your first .

time was your dad? yeah. good.

This world, because we're doomed. We're doomed. This is that. This is this zoom neighbor .

is so but now .

that people like this, they're all say no.

But now that i'm older, i'm like, I feel bad. 我, yeah.

So I want in fifty thousand or since twenty. So for a decade you vote him this.

What do me? I think you said you took some of that both.

O, O.

to pay back.

I feel bad. I ice, I really don't. I'm so sorry.

I'm so sorry. Oh, he just. And i'm so conflicted in so many ways.

One, I could make this episode de less two hours going to ourselves too. I want to get as far away from his sponsible. Three, I hate feeling like legitimately like.

I don't like someone not just like a little jokes, little jab S I hate this. I hate this feeling. This is, i'm so conflicted this episode confliction glor do you? I need you to bring .

in my hope.

So you're saying you have negative money and check in the camera. Now I guess what? It's seven hundred and twenty three dollars.

but you're saying that you now OK. So if you look statement, we look at my statement, IT ends like on a weird time frame, so like .

it's been quite a minute .

or like IT ends and like really no member or something. Or october the end of october, like october .

twenty four? Like it's weird.

sure.

So it's a few weeks been like two weeks. Okay, calm down. It's this texas for both, both Diana and .

police .

station in the matter.

I'm not going .

to the rest. It's all both done. I hope none of that went into the fish tank. This.

but, you know, trying and trying .

to process this is a hopeless conversation, not for you, no for you. But I want to make a sound Better than IT is because right now I am only dooming gloom right now, how I try to make the sound Better, i'm ending the conversation early and i'm kicking you off. I don't want to sit in for in the potion I don't you can stay in the Green room for a bit landes and you can talk afterwards.

You are whole renders the existence and for the you know, I don't think you're bad person with the fact that you think it's all cut annoyed me. You're not taking the series and you're not taking in a live series. You have no actual desire to get that.

You don't care. You're going to like funny, you don't a number is I don't want to talk to you and I do not have hope for a single second that you are going to get out of death. You might do consultation ation born from that.

No, but I don't think you are gonna get out of that by changing behavior because you've never changed behavior once in your life, even though you have tried out of the times by not trying. Guess what, guys, why did they for method not work? Why did they not work? Because I enjoyed spending.

That's not his meth. I could give you my method. I can I you the cause. I still well with hope that you might change your life.

But guess what? Without actually changing your behavior, without deciding that you're g going to put your future over your spending, you are not to accomplish any thing ever. And I am done with that because you're taking this conversation like a joke.

And that is an embarrassing for my existence right now. And I pissed off, and you with you and I am done, you can turn off from her microphone. I want to see, hear a single word from her guys.

We're going to the postshow. SHE will be there. But maybe we look to the rest of the documents without her because what joke? His financial score shut.

The cup, there's one more thing. What he needs to pay her mom back thousand dollars is IT worth getting thoughts on this, something about her back in. You going to be the first, first, get double cut down. So why you thousand hours of your moment and you having made a payment and eighteen months, that stupid that arranges me to watch the financial lot of potion? Click the join button below.