Socialist Brat Thinks She's Entitled To Your Money | Financial Audit

You are essentially saying that you deserve that and are entitled to it. You said it yourself, you've been coddled. You've never had to actually go out and make work on your own, with your own, without being helped by someone else. You're always being helped and coddled.

I don't think that's true. Come on, come on, that's stupid. It is kind of gross. That is why people look down on the systems because of someone like you who thinks they're entitled to go blow all their money on fun.

Download my new simpler budget app today and take control of your money once and for all. Hi, I'm Annabelle. I'm 27 years old. I'm from Chicago, Illinois, and this is Financial Audit. Thanks for coming down.

I used to go to Chicago all the time. I love it. So much fun. There's a lot to see there. Well, crazy in the dark, but sure. What do you do for a living there? Um, I'm a leasing agent there, technically also assistant property manager. We get so many leasing agents on the show. Okay, what do you make there? Let's see how you compare to all them. Um, I make on my direct deposit $42,000 a year.

Chicago, cheaper of the large cities for sure. Definitely most affordable. Shrinking population, so that helps. Yeah, a lot of people are leaving. I think actually for Texas. Okay, I mean, I would too. Again, freezing and dark, but the summers are worth it. But $42,000, you'd think it's not stretching very far in most cities, but again, not that it was stretching far in Chicago. Chicago is one of the cheaper ones. It, I mean, it's it's not that cheap though, like when I live on like a day-to-day basis there. It's no. Of course, it's still, you know, big city in general. I just think compared to other cities. Yeah, yeah, I guess that's true. I mean, that's why I didn't pick Boston. I was going to go to Boston before. Would crazy. At least with this income, I'm sure the cost of living would adjust a little better. But essentially, my main question, how does that $42,000 stretch there? How are you doing?

Um, okay, I can't really save, but that's because of other expenses. Um, well, I'm paying for my part of my tuition. Um, and then I also. Are you a full-time student? No. Are you full-time at the leasing? Yes. Yes, I'm. Okay. And what is the schooling thing? Well, so originally I came to Chicago first to moved to Florida or move from Florida, excuse me, sorry, from Florida. Okay, yeah. I moved from Florida. You're born and raised in Florida? Uh, born in Michigan. I lived in Michigan till I was 10. That's when the '08 crash happened and my parents had to move us down to Florida. So middle school, high school, a little bit of college. Wait, so what is this Florida to Chicago thing? At 25, I was so tired of living in Orlando. Yeah. And so I decided I've been visiting Chicago every summer since 2018. Um, I love the culture and I just wanted a change of pace. Orlando became. What does this have to do with with school? Well, after I didn't finish school in Orlando and so when. So you did some college in Orlando? I did. Yeah. And so when I moved to Chicago and I got established there, you know, one of my bosses suggested I finish up at least a bachelor's. So I'd have that. Bachelor's in what? What are you doing? What's the schooling situation? Oh, I go to Columbia College Chicago. Um, it is, um, I'm going for private. Yes, it is private. $42,000 a year. Uh, parents helping? No. No. Okay. What are you studying and how far are you into this? I am studying creative writing with a concentration. What the what? What? What are you going to do with that? You can. Okay, that's what gets me about this. Every every industry needs communicators. And I'm studying non-fiction creative writing. Non-fiction copywriting, maybe publications. I could. Is that what people study when they go into copywriting? Um, I don't know, honestly. I'm, cuz this is creative writing, I'm not in the writing space, so I don't know. I love to type out like stupid little emails and send them off to the people on our newsletter. But that's fun. That's creative writing. Yes, but it's me being dumb without a creative writing degree. I'm curious like what you would do. I love the idea. I mean, writer on the side, of course. My dad was an editor, my mom was a translator. So I just came from communications. And they had to move from Michigan after the '08. Well, he, my dad was working at the Construction Association of Michigan and he was in like the head of the department that deals with communications and PR. And that department wasn't making any money. What do you want to do, lady, with this? With this, you know, the thing that we're talking about right now, the answer that I'm trying to get out of you. I, I want to own properties and work, you know, like I really just, I want to be my own landlord, have a bunch of properties around. But I also have a passion for copywriting. Wait, getting a copywriting degree for that? That doesn't make sense. Okay, wait, why do you need the degree then? Because you don't need a degree for any of those. You don't need a degree to do your own writing. You don't need a degree to start getting in the world of real estate. What is the degree for? I am not anti-degree. I am anti-dumb degree or waste of time, and waste of money, especially at a private institution in, sure, a cheap major city, but still expensive because it's a major city. Right. It. If. Okay, also, I, how are we in the world have even talking about real estate when literally the first credit card that is in front of me is a Credit One, which is the definition of. Okay, you're that. I've had that one for years. And it. Which means you've had it for years? Yes. Yeah. And we're thinking real estate? Okay, curious. Go ahead, though. So I, logic, also by the way, copywriting, which was the example, most common degrees for copywriting is English, marketing, communications, journalism, or business. I didn't see creative writing in. Well, I would like to be a published writer myself. I. Okay, what do you want to write about? Anything non-fiction. I mean, originally. Okay, so I have a lot of friends in the music scene in Chicago. And so I would love to write about that. I don't want to work for Pitchfork or anything, but I would love to write about the music scenes. Um, in non. Should someone actually get paid for that? We're being honest, because I'm okay with you not making much if you don't have ambitions for a lot of things financially. That's okay. There's nothing wrong with that. You can do whatever you want. But you're talking about the world of real estate. It requires capital to get in, even if you do FHA and of course, like BRRRR method, whatever, like that. Um, for sure, that. But that's why my experience happening at my job is useful while I'm also getting a degree. Because say, if this job is no longer going to be around and I have my bachelor's on, then that means that I can work at like Zillow or something and get a great job. Right now, I've been. Okay, it is a little different though. This isn't 2021 where if you had a degree, you could get any job just because you had a degree. Right. You know, certifications and stuff boost, and degrees can help, but you have to have at least something in the niche, a little more now than then. I mean, if you just look at the chart of just software engineer job openings, it's kind of like flatlined. It's not that you're doing that, but like I can just go get a job at Zillow because I have a degree. Yes, you're, you're likely to get hired more than someone that doesn't have a degree or doesn't have experience, but you're probably also going to lose out to someone that has something a little more niche for the job that they're looking at. That's it's not a solve all, especially in the economic situation right now for job openings. I guess, but I have a passion for this kind of writing. Like when it comes to. But is the degree required? That's my issue. From a private institution. Again, I am not anti-degree. I'm not even anti-this. I studied music, like, come on. So then you. Wait, so I do understand a lot. I've learned a lot from being in this degree that I didn't know about writing. Private institution? Yeah, I mean, what's your tuition? Um, I have some tuition paid under my. Okay, I get the government loans, you know, the student loans, like the subsidized, unsubsidized. I last semester, I think per month, I had to spend, I think $586. Which you. $586 a month? Yes, because they let me have a payment plan for the three months. Wait, wait, wait, wait. On the student loans? No, no, no. On the rest of the tuition that couldn't be covered under the student semester tuition or per credit hour tuition that you are paying. I never check that because I just. On a payment plan. I'm not against getting a degree in passion. I know that's people are going to take this out of context. I, there is just correct path to do it. And you are in a situation of not making too much for a relatively expensive place, going to a private institution for a degree that typically does not have the best return on investment, if we're being frank. And I can be frank because I did the type degree as well. But it's not. Okay, it's not. But the type of. Well, it's in terms of return on connections. Please don't be that. Oh my gosh, that's all. That is what everyone in the arts says when they talk about getting a degree. That was my justification for when I was getting the degree as well. I was also kind of myself. I met people I wouldn't have met. Really didn't really turn into much anyway. Listen, okay. But and yeah, I was actually successful compared to like 99% of the people in what I was trying to study. So I'm just saying that is some hard cope. I mean, I get that you're successful in this. But in music composition, I dropped out and I was making more money than basically anyone I knew except for a couple successful composers doing music composition. Yes, sales made more money. So I did sales because I wanted to pay off debt and live a better life. Well, ly. Okay, so what I've been explained to by a professor is that, you know, if I get. Also has gone through the whole permanently in school forever and now they work at a school. So that might be a biased opinion. But please, I wouldn't mind being some kind of English professor or anything. I don't. I mean, there's so many different ways that I can make my future go forward. And that's why it's like, okay, if I have something real, real income, like real estate that I'm talking about, but then I'm also a. How do you get into that if you've spent trillions of dollars on a private institution degree that doesn't have a normal return on investment? It's the education that I'm getting from working directly under a developer. My office is right next to a huge. Not huge. What with it? What are you going to do? I'm going to finish at least getting educated and understand what it takes to be a writer. What is involved with writing? Maybe how I can better my craft. I mean, the, the three semesters that I've been there already. I've learned three semesters. How many more do you? Because you're not full-time. So what is this doing? How much, how much, how many credit hours are you doing right now? Right now, I was only able to take two classes this semester. How many credit hours per class, though? Three. So six credit hours. And how much is it on a monthly basis right now for for this semester? It's $81 per month. Per month? Whoa, whoa, hold on. But that's. Is that $81? No, no, no, no, no. You said you're on a payment plan, though. So are they adjusting that over the course of how long? Three months or as long as the semester is going? So my semester ends in May. So month. Confused. I know. I know. I don't. I don't pay. What your tuition situation? What is your tuition situation? Because if it costs nothing, then you can do it. Of course. What is your tuition situation? I'm so confused. I get out the student loans and then I also. Do you mean like how much it is per credit hour? Because it changes per credit, like per, like class that I'm taking. Are you on anything special or are you just paying the normal price? I'm paying the normal rate. Okay, then let's find out. One, what's the per credit hour cost of Columbia? Columbia? What? There's two Columbia College Chicago. The other one. More. I know. And when people, when I say I go to Columbia, it's kind of funny sometimes because people will be like, oh my god, wow, Columbia University. And I'm like, not that smart. But, um, cuz it's $95. That's maybe like after student loans. Because you're not taking into account your student loans. Per credit hour is $816. Yeah, that sounds right. You're undergraduate, though? Yes. But still. I'm already in my major based classes. All of my Gen Eds were done at a community college in Florida over like six years. And that's another reason why I just wanted to leave Orlando. So $4,896 per semester for you. But you're halftime student. You're not even a full-time. Isn't 12 hours required as full-time? But most like go 15, 16. So anyone who does 15 credit hours in a semester is killing themselves. Okay, that's like the, the rest of us did. But that's okay. I mean, I think. Well, I guess that's why you're doing. How can I be a full-time student if I have to work also? Like I have like. That's why you're doing an easy degree. Creative writing is not easy. It's an intensive reading and writing based. There's a lot of reading. I had to do like 80 pages of reading alone for one of the classes that I'm taking per week. You had to read a book in college? I, I enjoy reading. I'm, I'm just saying that like it, it is a lot of work on top of also trying to market these buildings, trying to trigger you. And it worked very easily. Oh, creative writing, by the way. $1,27. $57 per credit hour in creative writing. Yeah, I mean, I haven't. So 1257. Time. 1257. Time. This is an interesting start to a financial audit. I'll be honest. $7,542 for a semester. That's halftime. Half time. Half time. And you're borrowing. Does that sound right? Yeah, the 90s something that you gave me was. Well, that's per month after my student loans. That I have to. Student loans. So you're borrowing for a degree that's not going to have a return on investment. Okay, I got, I got some statistics around it. I got some statistics around it. Uh, graduates with a bachelor's degree in creative writing, average based salary, also this includes average, so highest earners as well, who have been in the crew for a long time, $63,000 a year. You know, but that's only the writing part. Okay, yeah. That's why I'm also still trying to focus on learning about real estate development and dealing with stuff like that in my job right now. So then I'd have two ways of making income, a passion and then something that's more grounded. That's my game plan. Unemployment rate for creative writers is double the United States unemployment rate. But I'm not only a creative writer, though. I know, but you are spending $754 per semester halftime. That's the issue. I don't have an issue with the arts. I have an issue of how you go about it. And you are going about it in an objectively, from everything we've learned so far, stupid way. Stupid. Stupid. How? Why aren't you going to a public institution? I didn't think of it being in Chicago. I just didn't. I didn't think of it. I know that there's obviously, I mean, UIC is so much more tech-based. Like there, the colleges I'm thinking of, Northwestern's there, again, also another probably community college. I mean, yeah, yeah. But you can go in your niche. I went to an engineering school, but I studied in the College of Music. The. Are you talking about? Okay, have you. Columbia College Chicago, it's located. How many credit hours have you completed of how many credit hours you need to complete for this creative writing degree? Huh? Huh? Can you give me that? Can I have some kind of information here? When it comes to finances, you've probably got your eye on the usual stuff, budgeting, paying off debt, maybe saving for a. Let's talk about one thing that most people forget. 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And you're continuing six credit hours a semester to get there? Yeah, I'm trying to go as fast as I can because of the fact that it. Completing the spring semester gets you there or you hit it in spring. Completing it in spring. And I know it's slow. It's so four more semesters. Is that what I'm hearing? Yes. After the one you're already doing? Yes. Okay, so an extra $30,000. That's nearly. That is nearly. That is just under what the average person borrows to go to a four-year institution in general, across the board. And you're doing that just to complete. And you've already been doing this for a while. How much student loans do you have? About $33,000. Oh, you're going the double. You're doubling for a degree that has double the employment rate for the average American. Come on, come on. That's stupid. That is stupid. I have to get across that. That is objectively stupid. That is stupid. That is stupid for a degree that you don't even want to use for your primary job. And then you're like, I'm going to go get real estate. That's going to solve the entire thing. Good luck. You live in a failing real estate town anyway. So I don't know what you're talking about. I don't think that's entirely true. Okay. Yes, during my, when I was in. That's only how I've ever known how I would work doing like the six years in Florida doing my AA. I had to do that because I was. And also working full-time. Was everyone this dumb up there? Is that what I came down here for? Or pretentious with thinking that a creative writing degree makes them better than everyone else? Okay, I mean, I guess there are some. I'm, I don't. I'm not seeing myself as this like only writer like the next Kafka or something like that. By the way, no, you have $35,500 student loans. So you were wrong. And you're going to basically double it. Well, actually, that's why I said I had $33,000 already. So $35,000, excuse me. Okay. $2,000. Which is, which is like one semester. $2,000 is a substantial amount of money, especially for someone who makes $40,000 a year. So that just shows that you honestly have no value of the dollar because you've just borrowed everything forever. Have been a probably a spoiled little brat in different ways throughout life. No, that is 100% not. No, I haven't. Then you would be able to value $2,000. I was not taught. I had to. Okay, I had to teach everything on my on my own. Like, welcome to everything that everyone has to go through at 18 in the United States, except for the youngest generation. They're being infantilized quite a bit. But either way, I didn't have help going through the beginning of college. I had to figure out everything on my own. And yes, it was sloppy. Oh, just like me. Just like everyone back there in the booth. Just like the majority of the audience. That's what we all go through. It is not an excuse to continue being a failure into our upper 20s. I know. I'm okay. I know I'm trying to make different. That's why I. So we're continuing studying a degree that has practically no return on investment at a private institution that is going to have us borrowing double the average student loans for a four-year degree. I just can't think of any other college that's public that would have a creative writing. Do you need it? That is what I'm saying. Do you need it? If you want to just write on the side, write on the side. Prove it. Prove that you can deliver the value. Try to get into the industry. This is creative writing. This isn't a nursing medical degree. This is not a law degree. This is not. I know if you have the skills, music composition, for example, and this is one reason why I dropped out, because I was actually making money and I was making more money off of my own music than my professors made off their own music. So I was like, I don't actually need a degree. It's based on whether or not I can form consortiums and sell my music. That's what I need. You can prove the writing skills. You have to do what you want to do. And that doesn't even. You don't even want that to be your main thing. Again, college degree, good, good, good, great when done well. You're not. It's stupid. I, I have. Okay, this is how. Okay, this is how I see it. I have the writing, like the form, the craft, all that stuff. But there are things like learning how to publish, learning how to get published, where to submit it, how to submit. You, we live in a very interesting age of technology where you could probably learn all of that on YouTube, Google, GPT, like anything. You could probably join groups and learn. You could probably join private mentorship. You could probably find a writer in that area and pay, pay them for like a weekly mentorship session for the course of six months and learn everything without having to go through all that extra bull. And it would be better off for the arts. For the arts. That is often how that works. For engineering? No. For the arts? Yes. If I'm already in this degree, though, and I'm already at Columbia, what's the point of dropping out to another school? I'm not saying going to another. I'm saying stuff. Because you don't need this degree for what you're trying to do. You're sunk cost in it. But you're still going to double what you're borrowing just to complete this thing. I mean, also for those that want to go into arts, I suggest as many Gen Eds as they possibly can at a community college. That's what I did. Well, that you. This is all major classes that you are really. Because you have so much in debt for someone who had a little bit of a. That I, I mean, okay, all of the, the main debt that I have is student loans. Yeah. I've been in college my entire 20s and stuff. But it just all seven years. Well, I mean, and 18 and 19, I've taken breaks. You've been in college for a decade. Um, how much in breaks? Like eight or eight years? I mean, eight years. Okay, see, you're continuing. No wonder the professor loves you. They did the same thing. They never left college. Like that is there is something. There is some weird cycle where people just never leave. And we need people to teach. We need people to research. We need these things. Absolutely. But there are some people, and you are showing the signs of who do not. Who will never be able to operate in life outside of a classroom setting. I mean, scary. I took. Okay, there were two years. The two years that I first moved to Chi. Or the one year that I first moved to Chicago, I wasn't in school. I was like, you know what? I barely got my AA in Florida. I'll ride on that for a little bit or whatever. And then that's when my boss was like, no one's going to take you seriously. Barely an AA. So I was like, okay, well, let me check out schools around. And then at the same time, degrees. You're just going for a. Not a pointless degree. Again, people need communicators. People need communicators. But again, you can get better communicating degrees that have better career paths. So I'm going to blend in with other girls that have a marketing degree. Yes. Hey, you know what happens with those girls that you blend in? They get jobs. Okay. Well, I would rather blend in with a job. But again, if there's 10 girls all applying for the same thing, they all have marketing degrees, and I'm the one that has a creative writing degree. They pick the one with a qualified degree. It's qualifiable. I would. It's not one of the leading ones for copywriting, which is one of the jobs you brought up. And you don't think that maybe when I get the interview, I could talk to them and say, Hey, you have to get past the recruiter first. Look, I, when I talked to one of my tenants, she said that she had a creative writing degree and she was making bank. I like. She might have. What was she doing though? It's not. Again, she working in tech doing. I don't know. I don't know. I just saw. Can ask if you're going to use that damn example. She, when I told her I, maybe she went through a coding boot camp and codes now. But that's why I would get my real estate license more. Yeah. Okay, so I, when I, this is what happened. I got my. I started getting the real estate classes. I got getting into these numbers, girl. Go on. Finish. Okay. I applied to Columbia at the same time to try and move forward since I had moved up from Florida. And when I started my my real estate license, I got accepted to Columbia. So the real estate license kind of fell off to the side. Um, and I didn't finish the class that I was paying for. But I'm going to do that now that I only taking two classes. For who doesn't pay for a real estate class? Everyone pays for a real estate class. Finish it. You paid for something you didn't finish. I know. I mean, there's. Okay, I mean, I can always go back. Alrighty, lady, let's move on for the sake of good death. Oh, okay. Wow. Did you. Woo. Yeah, you seem like everyone that's been in college for eight years and has never actually lived real life. Everything's making sense so far. Where do you think your finances are in a score of zero to 10? Zero being the absolute worst and 10 being the absolute best. Where do you think you are? I've been mostly in real life and on the side in classes. I'm, I'm not. Okay. Um, seven. I would say I'm out of a seven out of 10. Like 10 being the best. Asked. Yeah, I would say like a seven. I don't have any crazy. Anything crazy. There's a Credit One in front of me. You're doubling your student loans at a private thing for a worthless degree. You're going for creative writing. Is your brain also creatively like that? Is insane? Score. I've never heard. That's the stupidest thing I've ever heard in my life. I don't. What? Sorry. Has the lack of seen sun just flattened your brain? The summers are really sunny. I feel like it's good. Thing. It's the winter right now. I mean, it's what I'm looking forward to. I don't. But okay, besides the seven, everything else is not terrible. Like, listen, you've heard guys call you a seven for too long in your life. That's where you think you are. I, I mean, I don't. Okay, sure. Um, um, I don't think so. But I, I guess you watch your Hammer Financial score and you're not a complete dumb. Uh, check out the link in the description below. It's a good time. You can see where you stand in the world of finances. And if you want to come on the show, come down to Austin, Texas. Even from a, you know, a place where you're dodging bullets to get to the airport, you can. I'm kidding. I like Chicago. I do like Chicago. I love visiting there. Just couldn't do it in the winter. Um, either way, you can come down here, go to Calebhammer.com, apply. You fully, you know, I like to ask a question every once in a while just because there's weird pearl clutches out there that luckily aren't in the audience, but whatever. I like to ask, you applied for the show. Good job. You know, you're getting a little bullied right now. You know, there's going to be a crazy thumbnail. You agreed to all that. Of course, you watched all the onboarding videos. Yes. Had the onboarding phone calls. So you're fully aware of what you're doing right now. I know. I'm 100%. Yeah, I'm here. And I'm. Those people can off. Weird pearl clutches. I will never understand them. Okay, but either way, good. And then you can come down and go through the whole process too and hang out with Lindsay and Jake and myself. It's a good time. Okay, they're great. They are great. I wish some of their grain is rubbed off on you because I see Credit One right here. Credit One. Let's talk about Credit One. Okay, I had gotten that when I was. She. Imm. Goes into a whole town. Oh, okay. Well, I don't have to. Um, well, go ahead. Okay, what were we getting? I, I had gotten it when I was again, in my early 20s. I needed to find some kind of way to help boost my back up. It didn't know. I looked it up. You. You. Okay, wow. This went from looking up. Jeez, kill me now. Okay, I think it was. Or it was suggested on Credit Karma as one of the cards that I have high approval for. And I knew that any kind of extra credit card would help. I had. I had a Capital One card at along with my Discover at one point. But and this. Okay, listen. It says a $53. $77 balance. There's a $537 balance. It's not crazy. $30 minimum payment. But the thing is, you still have $5 of interest accruing fees like crazy because it's a stupid credit card. You can't spend this much. That much money on this card anyway, cuz the limit's not even that high. But you did spend $148.98 on a card that is accruing interest, that has fees. I don't get it. It's for Audible. Go to aing library. You go to a school, so I know there's a library there. Drip Dessert. Mariano's. You spent. You spent your PetSmart there. Amazon Prime. A vending machine. And a vending machine. $26 of fees and $99 of interest. So that we can get Audible instead of a. Can I be so real with you right now? I did not know that I had an Audible subscription at all. Why don't you look at your books? Why don't you look at anything? Why don't you look at a statement? I'm so confused. I am so confused. I will never get there. Even when I was stupid, I at least looked at my credit card. I just didn't know that it was bad. That it was a high balance. But I at least looked at where money was happening. Why? I didn't know that. I guess it had been added to like my Amazon Prime account and I didn't realize that. Because you can get Audible with Amazon. Yeah. And I didn't realize that it had been added. Um, at all. Why? How? You did it. I've never. I don't like audiobooks. I like. I like reading them. So I don't know how that happened. But PetSmart and Mariano's sound right, though? Because Mariano's is. Yeah. And vending machine. Vending machine. Amazon. And Drip Dessert. It's like this. It's all bullsh. It's all. Except for the PetSmart, probably. But who knows? Every time I go in there, I always get like 50 different things for fun. I do. Yeah, I do. To get all bull. No, but I probably. That's not funny. You can't even afford your degree that's not going to pay for itself. Laugh. I'm sorry. It's a coping laugh. You cope all throughout life trying to justify that degree. The. Okay, Mariano's is actually, even though it looks like it's a nicer grocery store, it's cheaper than Jewel a lot of times. Jasco. I know what any of those are. Jasco is like a grocery store that paints itself as cheaper, but it's not. It's like $6 eggs and like $7 creamer. I don't know what you're getting, but usually when I see a cheap bill, someone's going in for some. Typically. But the thing is, listen, if you don't even know you have an Audible, you are not leaving this building. You are not leaving this building until you download my simpler budget app. The one we custom created for you. You literally have to. Because you get premium for free forever. You guys get a multi-week trial when you sign up. But either way, you get that. You would know. You would know. It would tell you subscriptions, blah, blah, blah. It's all. You would have that. You would see the fees. You'd see the interest. You'd see how much you're spending on vending machines. You would see it. You wouldn't even have to go through your statements. Everything's automated and connected to your accounts. You do not get to leave until you download the simpler budget app. Okay, because your budget is. You didn't even know. I mean, you didn't know you had an Audible. It's built into like what my credit card bills would be. The vending machine is when I'm at school. Why Credit One? That is a grinding horrible interest and fees, though. Why not in a checking account? But if I end up paying. Okay, because I don't have my. I don't have my debit card on Apple Pay. Then put it on Apple Pay. I just been forgetting. I'm okay. Don't forget. Do it while you're sitting in the airport on the way home. You're going to be sitting there doing nothing. I'll probably do that then. But you should have done it already. You're a child. Again, this is what happens when you have not had to deal with the real world because you've just been in the classroom forever. I've always dealt with the real world. I, I've work. I've worked so many jobs besides just leasing. I've had to do. I mean, I've worked in jobs like call, call centers like for Apple. Well, I worked at Apple Card for a little bit before I was doing leasing. I was a fraud analyst. That should have given. Well, okay, fraud. Yeah. But I mean, I saw how people rotated debt or rotated their payments on their credit cards before the interest. Maybe you shouldn't have. Horrible. That's because you were in the prime position to see other people struggle, which is usually. I mean, people see people struggle on this show, like they're seeing you struggle, and that often times leads them to get a better life. I would think the same thing would happen when you're talking on the Apple calls. I, I know. I did see some of it. So I learned some good traits on how to take care of credit cards. I mean, what's your living situation? Do you have a roommate? No, I live alone. I live in a rent-controlled apartment. Okay. I live in one of the ARRO units that they have in Chicago. ARRO. A O. So affordable requirement ordinance. It just means that like whenever a developer builds a brand new building. $1170. Okay. It's still not cheap, especially for your income. That is cheap for where it is right now. Yeah. No, no. Your net what hits your account on a monthly basis? Oh, um, like $2872 or something like that. Um, $2872. And then I had $2804. Well, so instead of giving me half your income essentially goes to rent. Not entirely. So because of the. Instead of giving me a raise, what happened was I get an. I get not all of my money on a direct deposit. So I get a second check. The. You talking about? I get an additional check instead of a raise to my normal. No, no. That check. The second check. So I get my regular direct deposit. B. You get a bonus? $2800. No, I get. What are you saying? Okay, I get semiannual bonuses. I get two bonuses a year about $4,000, which you'll see on the statement. But every single month, I'll get my regular direct deposit of $2,800 and then another side check of $1,200. It was. It was a way to give me a raise without giving me a. How often does that hit? Monthly. Monthly. I don't get it. Where's the money coming from? It's from. How's it not a raise? It is not a raise to my direct deposit. How is it being sent as? Is it considered a bonus? What is it? It's marketed as. It's just given as a check each month on my desk at the beginning of each month when I get paid. All right, guys, this is super exciting for this Financial Audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the Elite level or upgrade from Pro to Elite, I'm going to pay for it. I am going to directly reimburse you for the $5 for upgrading or $10 if you join now. It's essentially like a free trial except since it doesn't offer it, I'm going to pay for it for you. All you have to do is follow the instructions that I'm going to post in the membership area, send us that proof, and I'm going to send you the money. And boom, boom, you joined Hammer for free. Yes, seriously, guys. There's thousands of hours of extra content. You got two exclusive member audits a month, the ability to call into our new live show, which is also two a month. You just broke Lindsay's heart. No, that's not true. Honestly, Ashley, that's Lindsay for you. Weekly live streams. So Caleb, what's your social security number? C. I'm doing it. 38. That is definitely going to get on your shirt. Three, two. The what? And every single. Financial audit post show plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain without with only partial consent and then I ran off the road. Plus, it really helps support this channel. So let me pay for it for a month so you have the opportunity to check it out. Make sure you click the link in the description below or the pin comment below, and I'll see you guys there. And again, make sure it's the middle tier Hammer Elite so that I pay for it. This offer expires at the end of the month. If this strike just recently started happening, it was because of the fact that I don't get how that's. But in your normally paid direct deposit, and this is a check? Yes. And it's not considered a bonus? Yes, because our regular bonuses are $4,000 twice a year. Who's getting sloppy toppy? What is happening? I'm so confused. No, it was because so, um, such a weird way to do it. How does the tax situation thing work with that? Is it, do you get withholdings? I would take. I get withholdings from my direct deposit. Not the check? Right. Not the check. Not the check. I would do that money. It was because of. Is it legal? Money? 100%. It's for health insurance and transportation. So it's a. It's a stipend, I guess. So we had our. Okay, so our receptionist got let go. And so, you know, obviously, I think because of the fact that there was a little bit extra room in their budget, we hit. Do we see it? Yeah. Okay. Yeah, we have it. Okay. Mhm. I just. What keep explain. Oh, okay. Well, that's what I was. I mean, that's just it. Is that I get the $1200. It just helps with other expenses that might relate. Taxes aren't withheld beforehand for the $1200? No. So you owe taxes on that by the end of the year? Probably. Are you W2? I am W2. How this doesn't make sense. It's a midsize firm. It's. I don't know. I guess maybe to help. We're midsize. Small, actually. I, I don't know what the thought process was. I, what do they call it? What is the term? My additional check. That's what they call it. They call it my additional check. And I'm not the only one that gets this in the office. So it. It's not just. It's not just me. I don't know. It just makes sense because we have to also like pay for health insurance on our own and stuff. So it's still technically employer pay, but he didn't like. There isn't a plan through the employer. And you know for a fact taxes are not withheld because that's the thing that's tripping me up. Yes, I know for a fact because it's a like check that is written up and he signs and puts on all of our desks. So it's essentially a bonus, I guess you could call it that, but he doesn't want to call it a bonus because we have our own bonuses in the summer and in the winter. And they specifically say it's for health insurance and stuff. Yeah. Yes. Yes. Yeah, when I told him when open enrollment happened, I was like, hey, you know, this is how this is how we do in the office. We say, hey, like, this is what health insurance would cost. And then, you know, it was pointed out that there are some tasks around the office that I had to pick up when the receptionist left. So it would be a raise. Yes, but it's not seen as that on the direct deposit. That's just how it was. That's how it was offered. And I. There's May. Is there this blank in my mind of something I don't know about? All I can see is like you're getting. An additional like $14. Well, it's like a. Can you be maybe an extra $199 on top? Or it's considered a gift. I would do the taxes on it on my own at the end of the year. I haven't done taxes yet. So I mean, I guess I'll just see. How many times has this happened? This started. Are you setting 30% of that aside on a monthly basis? No. Okay. I'm not surprised. You haven't been smart so far. I, it's only been happening for, I would say, like a half year. Two different types of income. It's so weird. It's all the same job. Okay. And yeah, I don't. All right. Discover it. Yes, my first credit card out of high school. Wow. So exciting. With a $722 balance. So we've certainly done nothing, nothing to improve it since a decade ago. Gosh, it's gone down and then back up. I use. Meaning you're not a credit card person. You shouldn't have credit cards because you're not a credit card person. You can't manage having access to other people's money. Also, $722.40 with a $35 minimum monthly payment. Well, you still had purchases bounce it down because you put a little more towards it, but you still had purchases. And then $13.69 cents of interest. Why your credit score is 586? What the. I, so I, I mean, it, when I would use it, then I would pay off the statement balance and then I, you know, obviously it would accrue again. At one point, with one of those semiannual bonuses, I cleared it off entirely. And I told myself because of the cash back, I would use this for. The cash back. What cash back are you getting on the Discover it? You're losing 13.69% interest. Why do.

People still think that you're getting 1% cash back bonus. You literally got 9, but you were charged $13.69. And what fing world you had lost at $13.60? What are you talking about?

I I was hoping that they would help, like they would eventually the credit limit because I've had this for almost 10 years. I'm glad they're not because you wouldn't use it. No, I you're not a credit person. You say it keeps going up and down. You are accruing interest on the two cards we looked at so far, and you are doubling your student loans for a worthless degree. So it doesn't make any sense.

But isn't the point of using also not saving money for your damn taxes? Okay, but taxes aside. So the isn't it the point of a credit card to go ahead and use it and then pay it off, reuse it again, then pay it off? Because yes, if you do that every single month without interest accruing, if you're paying off the entire balance every single month, you're not doing that.

Well, I was trying to keep up with that, but there was a point. You're not. So you have failed, and you're not a credit card person. It's as easy as that. This is not a complicated thing. Who gives a f if you're not a credit card person? It's not some weird award that you like walk around on the street. It's like, "I'm a credit card person." Oh, yay. And then everyone just, you know, gives you high fives. That's not who cares. Who cares? You can't use credit cards like the majority of Americans. So who cares? It doesn't matter. It doesn't matter.

I I I was I don't I it yeah, you get cash back on the on restaurants and gasoline and so 1%. You're losing 22.24%. That's actually lower of of an APR than I thought it was at. Yes, and it's still horrendous and stupid and dumb. And it's for Peacock. It's for Peacock. And also gas doesn't matter because I was just told you don't have a car.

Well, my boyfriend has a car, and so if we're driving somewhere together. So you pay for his gas? Not all the time, but I would like to. Person who doesn't have any money and can't fund their schooling thing for a worthless degree. Okay, I would like to help contribute. It would just make sense. Also contribute with back scratches. It works, trust me. I'm sorry. He actually does like. I know I'm a man. I know how these things work. Okay.

Um, you have a whopping accumulated over the course of probably a year, $12.70 of cash back. So that almost covers one month of interest. Yeah, I'm trying. Not doing life. So well, I mean, it's job, lady. The okay, it's still it's still less than what I would think is like the average person's amount of credit card debt. Only two credit cards with not even $1,000, like barely $1,200 for two credit cards. Two credit cards that we've looked at so far. I don't know what that the entire debt. There's a huge pile in front of me. I don't know what the you're talking about.

Also, okay, well, let's keep going. Finger Hut. F what the is a Finger Hut? You've never heard of Finger Hut before? I mean, from all your guests, I'm surprised that it's so. It's basically kind of like Amazon, but on credit. And so it's another hack to help build your credit up because if you're in the 500s, you're in the 500s. You are not doing this credit thing correct. Again, as always, you can use the Fizz card. At least it's a debit card that builds credit. That's what we use in our resources. But for sake, what the is this? This is so stupid.

So I originally, so stupid. I originally I got the Finger Hut thing and I was only going to buy maybe one small little thing, like a kitchen, like a spoon or something like that, like a set of spoons. And then I would have a super low utilization that would help boost my credit score. Um, but then they raised my limit and I wanted to get a table. A dining table. Well, cuz my get a cheap ass table on Facebook Marketplace. What did you spend on a dining stupid table? That balance, huh? That balance? Well, because it was because my my uh at the time it was my friend, but my boyfriend now was moving up from Florida and he doesn't have any, he didn't have any like living room furniture or like dining table. And I was like, well, if I'm going to hang out in your new apartment in Chicago, in your apartment. I was I I didn't want him to at the time. He just moved to Chicago. This is his new little like crib. And so I was like, well, let me help. I got I helped you find. Why are you a sugar mommy and him when you have no money? You sugar mommed him on a credit card that is accruing interest and fees. What? It just made sense to get it at the time because I was also going to be using that table. So it's not just like it was. I don't even know what that is. It's probably just their monthly fee. So you're paying fees to have access to a table that it was a table and like an island, like a kitchen island. So he would have an extra. That unfortunately, that layout of our apartments doesn't really have a lot of kitchen drawers. So I had to make sure he had a drawer to put his silverware. Is he not an adult? How old is this? He's dating a minor. Oh, okay. He just. He's incapable. No, he had. He just didn't have a lot of furniture. Okay, I guess before I roast him too hard. He's in the lobby. Well, maybe we'll bring him out of the post show. I always love to interview the spouse in the post show. Yeah, I guess so. But I mean, he didn't ask for it. I just was like, I can't. He got stuff. Being a dumb. I enjoy the heart of it. I enjoy the heart of it. The heart of it is nice. You're just being a dumb. You can't pay for school. You can't pay the other two cards off, including Credit One, which is growing fees and interest. Stop. How long does this take to payoff? Just doing the minimum the payment, which is what you're doing. Um, I don't know, like maybe 24. It's not that crazy. How long does it take to pay off? And you don't. Maybe like seven years. Okay. Three years, which is still insane. Over. You're kidding me. You want to be 30 with this credit card that's getting paid off for a table? He's probably not at that time, but that's why I'm thinking about using my bonus. Been together uh almost 2 years now in July. Okay. Again, I enjoy the heart of it. He can take care of himself. He's a 31-year-old. I again, this was also I was going to be hanging out. Has at his apartment. I hang out at yours. Try. I do try. And he doesn't want to. No, that's not entirely true. I mean, kind of. He likes to have all his stuff. Been together for a while. Are you going to live together? I've mentioned it before. Um, our lease is lined up in a way, but I think both of us just feel comfortable having our own spaces right now. You can have your own space in your. I mean, that's how people live together. A two-bed or a three-bed would be nice, but Chicago is getting expensive. And it's not compared to major cities, but really the compared to major. The two bedrooms that I'm leasing right now are going for like $3,600 in a specific neighborhood. Yes, exactly. In Lake View. Well, yeah, if you're looking in a specific neighborhood, there's always more expensive neighborhoods, of course. But overall, Chicago as a major city, compared to the other major cities, is one of the cheaper ones. But that's the area of town that I have to live in. Have to. You can't take. It's known for decent public transportation. Yeah, for sure. But it's not the best public transportation. It's something you could make work out for the sake of your future if you really needed to. I could poke holes in this all day. Come on. We enjoy that part of town. I know you do. You'll have a very fun time visiting it. Listen, you paid $1,034 in just a finance charge to borrow $920 of what, whatever the this is that we'll call it a personal loan. So what, what is this? What did you borrow $920 for? To move to Chicago? Oh, from Florida. You borrowed a borderline payday loan to move to Chicago from Florida. Yeah, I mean, I I needed it to pay for the moving from palm trees to depression. I moved in the summer, so it was. Take it very personally. I it was just time for me to leave Orlando. Okay, so I guess we'll put 95413. Uh, I see payments of $432.62. Is that monthly or bi-weekly though? Monthly. Okay. We are at a 34.91% interest rate to move. Now, why couldn't you cash flow the move? Why don't you save up for the cash flow to move? If it only cost $920? It's a 5-year. If if it only cost $920 to move cross country, not too bad. Why couldn't we work our ass off to cash for that instead of paying for our move 5 years later? Major channel announcement. Budgeting, budgeting, budgeting. It's a new year. We're all trying to budget. We're all trying to make it a little better. We're trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget, they can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there? It's crazy. It's hard to know what's even going on. It's possible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life, so it should be simple. It should be chill. 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Did you move uh in August of 2022? Oh, for sake. And we're still. Yeah, I I'm still paying it off. I mean, I'm trying my hardest to make extra if I can. Yeah, yeah. You're boring. For a ding worthless degree. Go ahead. Go ahead. Tell me how you're trying. Go for it. It was going on vending machine on Credit One every second of your life. Yeah, go ahead. How you're trying. Yeah, tell me. It was expensive. Cross-country moves are expensive. I think this alone covers the moving. Well, how much did you move? When I moved cross-country, I just packed up half a sedan and sold all my and then bought everything on Facebook Marketplace as I could. Few months. I didn't sleep in a bed frame until 6 months in. I didn't have my bed frame either. Go. What a big girl. Super proud of you. I yeah, when I came to. You took out a payday loan in order to do this? Yes, but it was to help pay for. I I tried working overtime as much. You two and a half years ago, and you're still paying on this? Yes, but it was because of the fact that I. You were stupid and immature and didn't know how to move like an adult and save up money. If you really wanted to get a moving truck and pay for it. Two and a half years later, because you only live off of debt. Because did you live with your family in Orlando? I lived with my brother as a roommate. Uh-huh. Okay. But there was a point when like he was like 20. I think he's two years younger than me. So when we were moving. No, it was just 25-year-old. That's so different than 27. I had to do most of the funding when it came to like the overtime and stuff. We even tried selling his motorcycle. Yeah, I worked overtime at funding for what? For the move. I had to pay for your brother moved here to Chicago. We both did it together. Yes. Okay. I don't think you do that until you can afford it. And you don't fund the entire move. You split it down the middle. And if you don't, then you rely on yourself and to figure it out. Well, yeah, he. Tried your best. I don't think you know what try your best is. You could have done this. I did it. We've all done it. I was in a horrible financial situation when I did the move. I did it. I didn't borrow for it. I I was also getting sober at the same time. What? Oh my gosh. Oh my God. Yeah, I know. I know. It was a bad time. From Miami instead of Orlando. How often were you doing um? Pretty often. Pretty often. Really? Yeah. How long were you doing this for? Um, like less than a year. And then I I. How'd you get on that? Um, just friends at college. It was college time. You're hanging out with the bad people. No, I mean, they were getting their degrees. Yeah, they were still working heads. Okay. I wouldn't define that as the people to look up to. No, I wasn't looking up to them. I mean, there were just times if we were out going for drinks downtown or something. How often were you doing it by the end? Um, almost weekly. Oh, just weekly. So not daily. But you define yourself as addicted? Yeah, I would say. And what does this have to do with you borrowing for Chicago? It's expensive. That that add. But at the time, but then once I moved to. Not entirely. That's kind of how it's offsetting though, mathematically. But you see how like I would try to work overtime as much as possible and then fund your. I was also setting aside money to be able to move and then to also live in general. So you took out a payday loan to move, which was really a payday loan for a. I am now almost 3 years old and I'm very proud of that. And I love that. It shows that you have discipline. But let's be honest about why you actually borrowed the money. Yes, I had to get extra little habit of the snorting. That was 100%. No, because once I came up to Chicago, I didn't have any kind of connection and I was like, that's it. No, you're misunderstanding. I'm saying you only had to borrow this because you couldn't save up enough money to move because it all went to the snorting. So in a way, this 34.91% interest rate loan was to snort. But okay, moving on. Again, three years. I am happy about that. Thank you. That is good. That shows that you have discipline. Five-year term. Longer than three years. But Chicago. It just says Chicago. What do you owe Chicago? Um, I yeah, I have when I did have my car, it was um, I had a lot of tickets. Um, the tickets for why honestly, the city of Chicago can get you for almost anything. Um, in terms of like parking, like you just if you legally. Yes, okay. But they have the most particular rules. You're such a baby. You can't do anything. Okay, you can't do anything without it being a victim. It's such a silly thing that uh for two hours a day on one side of the road, you can't park your car there. Chicago micromanages everyone's life. And that's why I don't live there. Even though I like visiting, I couldn't live in a place like that. But you chose to. You could follow the rules. You're not a victim in this. You did the thing. You did it. Every single situation so far, it's always someone else's fault or something reason outside of your control. I understand that I shouldn't have literally $100. When was this? Oh, wait, no, it's more than that. It's roughly about 800. So why haven't you made any progress over how long? So I was trying to. I haven't had my car in like a year. So I think it was like within the first year of living in Chicago that I uh accumulated all those. How the have you not touched it? Oh, because we don't have any money. And that's why we have to borrow student loans for a worthless degree. Right? That's why we're not paying off payday loans, right? So right. I have started. What is starting? $5 went to it. No, I so you can start a payment plan for day. You can start a payment plan with them. Um, but then it's not an auto pay. So I just forgot for like a month or two because I don't have a car. And and then it would just cancel. And so I'd have to restart the payment plan. Budgeting app, man. All you all you people, just download the budgeting app. There will be no more excuses like this. It will have. We're building out a feature so that bills are in your calendar. You can never miss anymore. This is crazy. I can't believe it. It is never your fault. It's because there's no automatic payment. So wham. I have something in my calendar to remind me of the payment plan for Chicago. Plan. Um, it is the seventh of every month. How much money? Oh, my. Um, I think it's about $52 a month. You are such a sweet person. So nice. And I enjoy being around you as a person, but my goodness, this financial conversation is just making me stick a I barrel between my teeth. This gap. I guess. Thank you. I just. I mean, I I know I I've made mistakes. I get that. So is that continued? No, that's a. Um, so this is a 15% interest rate for your loan. Monthly of $7,000? Seven. Oh, but total number of payments, 9,000. What, what is this? What is this possibly? And why? Um, right before I moved, my I needed some kind of form of transportation. So my roommate before living with my brother helped me. He wanted to try and be like a loan shark. And so he. What a career choice. He he was getting an accounting degree. Like he's like going to be like an accountant. But so he so he wanted to try being a loan shark as a side hustle. Yeah, well, he he helped me get my my Mazda 3 that I had. 15% interest isn't the worst. I told him that my old car. I was able to negotiate it down because I told him that one of my old cars before was. He I needed a. So he was going for an accounting. I'm going to gift you an accounting certification course. See, maybe you can get a real job someday. You have a real job right now, but like a, you know, not creative. Ready. I, okay. I, yeah, I anyways, he yes, he helped me get the car. He paid for it in cash. And then I would pay him per month. What that payment plan is amortized or whatever, as you say it. And um, what on it now? I stopped paying December of 2023. Why? Because the transmission went out entirely. How that works? I know. Listen, he's a bit weird for trying to like take advantage of a friend in this situation, but you did come to an agreement. I know. And I want to pay him back eventually. I do. I feel bad. Well, he stopped hitting me up for it. Well, yeah, because you're a low life who doesn't pay back people. No, I I would too. I 100%. I would. I would lock you out. I don't surround myself with people that are addicts or don't pay back agreed upon money. I there were a lot of other expenses that came up at the same time. Oh, like everyone else in life tells me you didn't have an emergency fund. I yeah, I wasn't able to uh to save an emergency fund. I disagree. I bet we could have found a way. I bet you were living some high life. Get it. I what I mean. I plan on talking to him eventually and saying like, hey, look, here's the rest of what I can pay. I mean, you're going to collections. Settle him. No, I no, I would pay him the rest of what's owed. Um, I think probably only around like uh like three, three grand. $3,000 left. And is interest just accruing? I don't know. He he hasn't reached out to me. He probably wants it to be. I and I don't mind paying that. I would pay 15% compounded since December 2023. I I don't know how much that would end up leading to, but obviously I would help him pay. I would pay him back the rest of what the car, like the actual like amount that he paid for the car would be. I mean, if you look at that, he's technically. He technically was getting like $2,000 worth of like interest from me. Yes, he was making money off of a product that he created for you. So then I would still end up paying what it would be if I. Yes, but it was also helpful. Yeah, but you haven't been putting money towards it. So interest would accrue more, just like when you don't put money towards a credit card to spend more money on it, interest goes up higher at the rate. But the amount because the balance is this is calculating you making every payment. Yes, of $195 a month. You haven't been doing that in a year in a few months. No, but he. What a dude. Everything. Transmission died. Oh, that means I'm out of. Well, I was trying to get the transmission fixed. I put. Doesn't matter. You still borrowed. And listen, I wouldn't have done what he did anyway. In fact, I would actively discourage that. I don't think it was like a very good thing for him to do on a just personal level and friendship level. But either way, you did agree to it. Did you agree to it in writing? Yes. Okay. I don't think he's going to, but he could come after in like court. I know 100%. I can. I can see that because. Okay, here's the thing. Is that you can see that he hasn't yet though. I mean, I know that's what I just said. So I mean, I'm just hoping that's why I want to talk to him moving forward about this and say, hey, look, here's the rest of what I can pay. Is he dodging you or is he just not reaching out? He's not reaching out anymore. Um, he after the first two months of um after the car died, he just stopped talking to me. What did you say? I told him that the car died. And what did he say? He was trying. He was gonna try and help me fix it from from Florida. But I like. Did he? How long have you known him? Um, since I was like 20. So I'd known him for like five years at the time. Crush a little? Yeah, I can tell. We were we were roommates during COVID and we had both been freshly broken up. And um, he kept whining in the house about. Did you? Yes. Yeah, that happens. Yeah, yeah, it happened. And we um All done. Yeah, yeah. It's all done. We I I got. We both got. Well, we got. I think I got kind of tired of it. And then I moved out. Just like the the situation in total. Yeah. Live with someone you weren't dating, but get a bit weird. Well, it just felt weird that I was cooking and cleaning and doing everything around the house. Oh, so you guys kind of were dating, but there was no. Were you interested in them? A little. T-shirt right now? Not, I mean, no, not really really. I didn't like his. I mean, I don't want to be mean. Why'd you keep? It was I mean, it was during COVID. It was during like the height of like quarantine. I couldn't go anywhere. I guess it doesn't transmit via. It's just us two. He was working remote and like going to school and stuff. So it's like it's just us in the house. I get. I get it. So how long did you guys live together? Um, about like two years. Okay. Two years. And I knew him for another two or three years before that. That whole time? Not the entire time. Did it continue afterwards? No, no. After I moved out, it was just. See, this is that's a weird thing. You guys haven't gone through that sexual intimacy living together. And now with 15% loan over your head, and he liked you. Um, I don't. I don't. I wouldn't want to. I don't want to speak. Isn't this weird though that there's a 15% loan all of a sudden? How, how many years after the D.D.D.? It was being fair. This happened um around the same time that I was leaving the apartment. Come on. See, is that not a red flag? Up? Yeah, you're leaving. You're in a situation where you need something. He's no longer getting the nut. And he helps by giving you a 15% loan. And you agreed to it. Why? Because I in in a place like Orlando, you have to have a car to go anywhere. I know. Why couldn't you go your own? My credit was not where it could be to go to an actual. But everyone can get even the sh loan. Not that I would say to do that. But is this the guy we want to like over our head? It worked out okay. Got lucky with that. But a dude that likes us that we bang, that we're moving out of, and he's probably disappointed in that case. He. Well, he definitely wasn't interested in anything long term. I'm just saying. Red flag galore. Definitely. I totally think he was a red flag. That's why I wanted to leave. The know that the dude you used to D.D.D. is? Yes. Yeah, you owe money to him too. Yeah, he knows. Um, we. I don't know. It it's not talked about. It's you going owe money to him when you guys are done too? Is that? Is this a recurring cycle? No, no. Not at all. I mean, obviously I learned my lesson from this guy. You haven't been getting in very good debts, so I guess borrowing money from people were sure. I guess you learned that lesson. Yeah. If we haven't learned other financial lessons. Look, it was another early 20s mistake. I'm I'm fixing my early. We all get this. Just honestly, it's weird of him. I'm kind of calling him out in the situation as well. Thank you. Your family wouldn't have helped? No, that's what I'm saying. Like I was. I've been independent since I was my. I'm just. I'm asking. I'm just asking. Not that they should or would or could. I'm just like, I'm looking for any alternative besides the dude that's disappointed. They suggested my little brother suggested a motorcycle. Like the rest of my family. But I'm not a bike girl at all. Temporarily. I mean, I really. It was a stick. It was a five. Did you have to give him a down payment? No. Okay. He bought the car cash.

Was a Department of Education. Department of Education. Oh, you did make some payments on it, but now of course they're deferred because you're in school. Mhm. Department of Education. You know the interest rates on these like 6%? Isn't it like, could kill me? It's like maybe even like 3%. I don't. It's like the ones. It's the subsid. So what is it? I haven't logged into now net. Oh my gosh. Oh, my oh, my individual. Oh, my just goes on forever. We went over the total earlier. So oh, let's see. Student loans. Are you guys you guys aren't considering getting married? Are you? So I don't think he wants to get associated with this mess. Um, I'm not in a position to think about that kind of stuff right now. I don't want to think about that. You don't want to. Why? Well, because I have my own stuff that I need to work on. And I know that $35,618. That'll be doubled by the time you're done with college with the way that you're doing it. Okay. What is this? Uh, it's an email that came in through Plaza Services. Net Credit was the original creditor. Resolve a balance of $4,984. I assume this is in collections for what it was originally. Another one of of the loans to help with the move. Um, I think it what this was $4,984 to move. So it wasn't the $998. So it um that must have. You now, you taught me about how interest can go keep going as you don't pay. Yes. Because I think the loan originally was only just another thousand because then that would pay for the gas and stuff that was required to get. You're going through our debt class. You're going through our budgeting class. You're going through our investing class. You have to understand what the all this means. You got to go through the education, take the quizzes. You can gift it to him as well. I don't care. This is insane that you could just leave something sitting there and now there's this big consequence. You get it all for free as being a guest. You guys get it at a big discount, all bundled. But I didn't. I didn't know that that was really happening. Well, it's in collections. No wonder your credit score shot. I don't think that one's hit my U my credit score yet, luckily. Really? So when it does, your credit score is getting even worse. Hold done. But if I I reach out to 98465. What it? You think that? What do you mean? What what were you saying? Oh, do you think that if I reach out to them before they hit my account or my credit, that they'll just have me pay it? Um, before like without dinging me on my credit? Because they've reached out. Potentially you might be able to settle it. Okay. So $28,004 was your income plus an additional $1,200. Okay. What hits? So that's what hits your account on a monthly basis. How much did you spend last month? Um, I'm guessing uh including rent and stuff. Total spend. Um, probably like 2500. Okay. $8,432. What the are you talking about? No wonder you're financing everything in your life and know nothing and have to rely on other people that you're banging in order to get money from. No, that's not. Okay. Okay. That's what happened four years ago. What happened? You stole the money to him, girl. You have payday loans from when you're moving and one in collections from when you're moving. Two and a half years ago. I don't give a. It's four years ago. This is your behavior that's endlessly happening. It's okay. I mean, I didn't know that it was 8,000 at all. I thought. No, you don't budget. Okay. I, okay. No, no, I budget a little bit. I definitely. Oh, go on. You didn't even know you had a ding Audible subscription. Go on. What's your little budgeting? I get paid. I know you like to write creatively. Do you creatively write numbers and they're just made up? Well, like, you know, those Excel budget like templates that they have. Okay, so I know I get paid. Work so well, obviously. Well, I know I get paid at the beginning of every month. So it just makes sense that I would then I would. You talking about? I make sure that all of my main bills, like my rent, my, you know, I have to pay $75 for the CTA every month, you know, all my like credit card, whatever, all my usual bills. I'll just take care of at the beginning of the month. And then from there, like savings or fund money. Fund money? In what world do you think you're allowed to have fun money? You have credit card debt that is not being paid off, that is accruing interest and fees. Two credit cards that are getting monthly fees. You are trying to buy him tables of bull. You're borrowing double what you have on high interest rate student loans, probably if we're being honest. What the are you talking about? At a private school on a degree that has doubled the unemployment rate of the unemployment rate in the United States. What the are you talking about? Fund money? Who do you think you are? I mean, if I'm moving to a place like Chicago, I think it should be fair that I just have a little bit of stuff. You're fair. If you're fair, what is fair? Fair is not a thing that exists. You live in a place where people put in effort, and if they don't, they fail, and it's on you. And that's. I mean, what I've been trying to. And that's why you're failing because you can't and you haven't been putting in that effort or at least knowledge. I the feeling of effort, but you're not doing it in a knowledgeable way, obviously. I mean, I'm still able to go grab sushi. And girl, you're going up. No, absolutely. That's what happens. Spent more money than you made. No, you can do it because you have access to debt, which is why you shouldn't have access to debt because you don't know how to. You're not paying for your school. You're borrowing to pay for your school, so you have leftover money to go get sushi. No, what do you think is happening? You are being subsidized for the taxpayer in your housing. I mean, I I feel like that. It I was. I'm not saying that's even a bad thing. But I'm not even saying that's necessarily a bad thing. Right? But the thing is, you think fair, you're fair, you're getting every fair thing that is possible. You're like, that's not fair. But if I can, okay, if I'm still able to make my minimums, that my thought, that was my thought process. That if I can make my minimums and everything is still coasting, nothing. Shut off. Your debt's going up. Coasting is not good enough. You're going to die in poverty. You're coasting. That's why you've been in school for eight years. Yeah, coasting. That's your profession. Professional coaster. This is huge for financial audit. 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. 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You have an additional $187 in collections. What's that for? Uh, I think that was for um the last little bit of my insurance. Car insurance. Yeah, I think maybe final month before my car uh conked out. Also, you got to take into account your that you don't have a car payment or car insurance because you live in that walkable area and that helps. That offsets it. Your cost of living is adjusted. I get that. I don't have a car like car insurance, G, or whatever, but I do still have to pay for the CTA. Yeah. How much is that on a monthly basis? $75 for a 30-day pass. That is not bad at all compared to car payments, car insurance, or gas or charging. I do also get free CTA through school. But my car. You go shut the up. Are you stupid? Figure it out. Talk to someone. What is wrong with you? Are you incapable of doing anything? Well, there's also during better weather, people gas. You didn't pay your damn gas bill. No, I definitely paid it all. But I think when I moved to this to this rent-controlled apartment, like to my new apartment, I guess like they didn't shut down my service on time. Call and shut down the service. I swear that I went online and I shut it down. So far, you've been incapable of doing pretty much anything. So I honestly am not confident in that statement. You can't even fix. You pay $75 instead of getting a car fixed. I thought that it was shut off for sure. I didn't know that it was not shut off until. Why you pay the bill then? Showed up on the reality is it isn't. So why don't you pay the bill then? I don't have an extra 200 randomly to just. $280. I'm entitled to go get sushi. That's like $70 bucks a month. Like that's like what I would say that that's, you know, I'm able to fact check it. $855 going out to eat last month. Dude, you're stupid. You're a brat. You're a spoiled brat. Spoiled brat. I it it makes so much more sense to go out to eat sometimes than get groceries because I'm not. I don't have a car to bring the stuff home. Nope. You walk to the convenience store. You get your. It's not a store. Okay, it's not doing it. So everyone else that's doing it, they're not doing it. No, I'm just saying that it just if I if I know that I'm going to spend more money on. You get groceries delivered. I have gotten groceries delivered, and it would be cheaper than what you're doing now. I don't even think you have to do that, though. I was thinking about it's all sushi and big gay salad pizza. They have by the slice. So just it would be EAS. Congratulations. You got $855 of slices. So I mean, what's the point of coming to a city like Chicago and not experiencing it? I absolutely agree. Experience it. So budget this. Uh, don't do a worthless degree that is costing you endless amount of time and money so that you can experience it and actually live life. Instead, you're being a dumb and you're entitled to it. You're not entitled to anything. I'm working through everything. Working through your debts going up. Shut the up. You don't even know what that word means. You don't know what effort. You don't know what trying. You don't know what I deserve. You don't know what fair. You don't know what anything means. You're already in subsidized housing. You are. We are subsidizing your housing, by the way, which I am not even against as a concept. But we are literally subsidizing so that you can spend $900 going out to you on a monthly basis. That is how it is mathematically working. But I'm. But I. That is how mathematically working. By the way, those units prevent more housing going up. Mathematically, mathematically. Guess where the most housing was built in the United States? A non-rent-controlled city like Austin, Texas. And guess what housing has gone down more in terms of rent? Guess what rent prices have gone down more than any other city in the country? The place where housing's built. But instead, because you're doing that so that you can go get sushi, they're building less housing there, making rent even more expensive. That's why New York, Chicago, LA, San Francisco, Boston, all the places, all the same rules. Those parts of Chicago that I'm in are asking for density. Actually, they're looking for more density. They're looking for it. Guess why it's not being built? Because of people like you. I'm literally working under someone that's that's making a new building right now. There are multiple buildings. Building will happen, but it's not fully meeting demand because it's more expensive to build housing. It's more expensive to build housing because of those requirements. So instead, it makes rent more expensive for everyone. It's only if you change the zoning that that for everyone. No, not just zoning. You have great zoning there in comparison. To know. But it is more expensive because of those required units. Right? If you build a new building and you have to change the zone, you have to put in those ARO units. But if you don't change the zoning, you don't have to put in those those units. Doesn't give us good building that would lower housing cost for everyone. So we just don't do that. That's ineffective. That doesn't make sense. Let the market meet the demand. That's what we did here. And guess what? Now our rent is cheaper than Dallas. This used to be the most expensive city in all of Texas, and we are cheaper than Dallas now because we let the market meet it. Instead, you want to be able to go spend $900 a month on sushi, thanks to the taxpayers. I mean, I'm making sure that the market is there. I'm literally leasing these crazy units. Like, I mean, they're great units, but they're expensive. I know what it looks like to try and make the market change in a way to develop a neighborhood more. Yeah, you're just not doing it productively in a way that actually works. And okay, at work. Yes, I think I am. I think that because with the job that you're, yeah, with the job you're required to do, maybe. I mean, you're helping people sign leases. I do more than just the leases. I market them. We make sure that we have the price points for the new buildings and stuff. There's new constructions. I'm under a developer. Like the developer is making these new constructions to try and help build different parts of town. Like like Uptown, for example. You think it's okay that you feel you deserve because you move to a city where some exciting things are, you deserve to spend $900 hour going out to eat and you to live the subsidized lifestyle, which I again, not even again, and subsidized units. I it's making it sound like I am. During this, there is nuance in every conversation. The fact is, you are essentially saying that you deserve that and are entitled to it. In what world do you live in? You've been coasting your entire life. You said it yourself. You've been coddled. You've never had to actually go out and make work on your own with your own without being helped by someone else. You're always being helped and coddled. I don't think that's true. You're literally being coddled by the tax payer right now in rules and regulations. Again, and that's not even me being against it, but the fact is you have been in that. You have always been in the school ecosystem. On brother? Huh? Yeah, but you're still doing it. I wasn't. I was not relying on the brother. I was the one that was working overtime in Florida trying to make sure that everything was set up perfectly that we had an apartment up here set up in Chicago. I mean, and I just I had to work jobs. I worked as like a server for multiple years. I worked at like a call center. Worked a such a great girl who spends $900 a month on getting pizza slices and has negative $24.8 in their checking account. You're a success that we should all look up to. Return fee. Return fee. Oh, there it all is. Because you never have money. That was my second checking account that I opened to only pay for tuition. Guys, it's my second checking account so I don't have to be responsible there. I can be a child. It's the second one. I only have to be responsible on my first one. I was trying to make it. I got a baby. Dude, I got the second checking account so then I could then try and manage my bills a little bit better and get. I mean, okay, it's no. You're negative. You're getting return fees. What the? What delusion? You're I don't understand. I thought the money was in there for my. That was for my tuition payments. Your tuition payments? That is 99% being covered by student loans. Okay. Acorns. You're using Acorns. We have an Acorns link for more money than most people get in our description. Thank you. I was trying with that winter bonus. Was that? Oh, that wasn't. I sorry, I didn't realize that what you were saying. No, yeah, our signup.

Incentive is more money. Oh, okay. I got eight times or something, but interesting. I don't know. What are you talking about? I see 38. Uh, I see ending balance $3. That's what you're so excited about? I was really excited. I, wow, yeah, I'm thrilled. I guess it's better than negative. Oh, 'cause I had to pull. You're so nice. You're so sweet. You're just this is my L. No, no, no. It's actually no. This is my checking account. It's only $3. I'm sorry. It was only $3 because I had moved the 500 or whatever money to each of my investing accounts. So like my I can't wait to talk to that guy in the post show. See if he's as delusional as you or if he's starting to pick up on all this insanity and excuses you make constantly. $16 in this Cash App account. Wait, but I have the. Can we circle back to the Acorns thing because? Sure, let's circle back. Corporate talk. Can we talk about this offline? Sorry. Um, following up. Uh, the Invest and the Later are my two other accounts that I'm trying to like do stocks and like, which I assume we will get to. Oh, okay. I'm sorry, but you said $3. So that Acorns account? Yes. Okay. Yeah. I only use vending machine, vending machine, vending machine, Apple Bill, DoorDash. Guys, guess what? We, we can't afford to pay for our own rent. So let's get DoorDash. You are making me sound like the absolute most like extreme against subsidize anything. It's just looking at your actions around it make me go extreme. It's crazy. Apple Bill. You went inside, got some BS. It just doesn't. Went inside, got some BS. Apple Bill. Apple Bill. Oh my gosh. Getting with Apple. Pull up your app. Pull up your phone. I'm going to snoop around. Just saying. The only. I'm snooping. I'm a snooper. I am snooping. You need what the subscriptions? Open up your phone. I'm snooping. Oh my God. I am snooping. Yeah, she pulled up her subscriptions. Good. I'm starting a screen recording. We will, uh, black out anything sensitive. FaceTune. I'll be honest, you have a pretty face. You also have a boyfriend, so I don't understand the point of needing that. 'Cause people get that and then they can catfish on dating. Oh, I don't use it much anymore. I didn't realize that the subscription. Good. What? $10 a month. Good job. Cana. I don't know. It's what it looks like. New York Times games. I love. World. Pixart. Congratulations. Use like a free version online. Well, World Connections Mini. Um, I like to go into AR. You literally can't afford. You're negative in your checking account. I don't care. Listen, you can make these excuses when you have some wiggle room. You don't. You're literally negative. So I can't. No, you know what? With the, with the, there's a part of me that like I deserve. I want to go to the big city and I want to experience that. I get that. And I, a part of me vibes with that. The moment you are negative in your checking account, no. It's done. You do not deserve or get to or have an even desire to. You get to walk on the lake for free. That's what you get to do. If you're negative checking account, you don't get anything. It is as easy as that. Skin short. Skin care. P of $35.99. Planner. Journal. Who? The Notes app. My gosh, lady. Oh, I think you haven't upgraded your iPhone in a bit because you certainly can't afford it. Yeah, I mean, that's the thing is I usually do every year. Jew. She got jewelry. She got jewelry. She got jewelry. Oh my gosh. Uh, some. Is that a Nazi book? It's all German. Oh, no. It was a Christmas gift. It was philosophers. Okay. Um, my friend is really into like anytime I see German, I get scared. No. Oh my God. Please. These are a wooden cookbook display. Christmas gifts. You can't afford rent. You're not going. Checking account. Christmas. You don't get to do it. But I had the bonus. You. We have. We have. This is. I know this isn't American. Only this has to be human. We think we set up these structures and these things that we're excited to do. You are not entitled to it. You are not entitled to Christmas. Math is math is math is math. If you don't have the money, you don't get to do it. I want you to do it. And I want to structure your life in a way where you get out of your bad situation so you can live the out of your life. That is the end goal. We want to get to. You're not there. You don't get to do it. But okay, with a. I don't know what the. You're thinking. At least you got 318 in this checking account. Transfers. Oh my. It's all the person who can't afford rent. Good job. Well done. I when ins. I got some BS. When ins. I got some BS. Starbucks. Cash Apping out money. Oh, little Lime Rider. Selling out money. Lime riding. Lime riding. Oh, go, go. I walk. Lime scooters. Guess what? You cannot afford the Lime scooters. Get a little scooter. That is a one-time purchase and go around places. You have it in Chicago. Lock it up. I'm sure someone will steal it. But buy another one. After cost, of course. But you spend as much on Lime already that you could probably cover the console one in a month. Taco Bell. Lime. My gosh. Cash Apping out ATM withdraw $43. Who knows where the. There's the Canva subscription. Spotify. Use for work. Spotify. Uber. They won't cover it. They won't. They do. But I, I mean, school too. Like I need. Why the. You paying for it then if they're covering it? Because well, I don't want to. I don't want to mix like my work and my school canvas stuff. Uber. Zell out $25. Big Gay Sell. Big Gay Sell. How gay is he? Um, there's this part of, uh, there's this part of Chicago called Boystown, and that's where me and my friends like to go out a lot. And so there's this new pizza place that that he sells slices and, um, by the slice. And it's like right by our usual going out places where we go for like $2 drinks. We try to find deals when we're out and about. So docking fun. Snow fee. The fee is that fun now fee? Because I really, I really want to have my check like you do. The little fing. Micro pay for Big Gay Sell. For Big Gay Sell. Big Gay Sell. Doesn't even care about that. It was one time and it wasn't even. Does not need your money that much because I get paid the first Friday of the month. It always risks the possibility that the calendar lines up weird and I wouldn't be able to pay my rent between the grace period. So that that's like sometimes I'll have to take like. I'll shut the up. Starbucks. Emporium. Emporium. Lime. Liquor. Thank goodness. That's what we really need when we can't afford life. Records. We 100% need that. The only way to listen to music when we already have a Spotify subscription. It was. That's shut the up. Round ATM $203. Who knows where that went. ATM $123. Who knows where that went. ATM $143. Who knows where the. That went. Tavern. Replay. Starbucks. Lime. Lime. Ramen. Starbucks. See, you went and got some B. Because I know it ain't gas. Uber. Cash App. Who knows where that went. ATM. ATM. ATM. Lime scooter. Uber Eats. Can't afford rent, but we're getting $71.63 of Uber. You. Lime. Cash Apping out $25. Lime. Lime. Lime. You could have afforded. You could have gotten a scooter almost at this point. Cash App $50. Lime. Lime. Sushi. It's just really selling on money. Talk about lime, lime, lime, lime, lime, lime. Cash Apping out money. Starbucks. First slice of pie. What? What happened to Big Gay? I like the Big Gay. Where's Big Gay now? Want to try something new? First slice. Come on. Yeah, it was a. It was a pie cafe, so it was like actual, like pie pie. Homophobe. Amazon. Amazon. Giting time. Ma. I don't give a lne. The Exchange. Get into B. Yes. Smoke dreams. I've, uh, vapor and a cigarette. You're a cigarette. Yeah, girl. You're actually somewhat attractive. You were going to look 80 by 30. I know. I'm, I'm trying to quit. How many cigs do you smoke a day? Uh, depends if I have my vape or not. How many cigs do you normally smoke a day without a vape? Just a normal day. Oh, okay. Um, maybe like one or two. Maybe three. You're disgusting. You've ruined your entire attractiveness. Oh, I'm sorry. I mean, I. No, I mean, it's. I'm not sorry, but like, I know I'm still. You should be, 'cause it's disgusting. I'm working on. Say sorry to your lungs. I'm working on quitting. Vaping is really going to help that. I, I mean, vaping is not any better. I actually hate vaping more than I like cig. I like cigarettes more than vaping, but I can't have a cigarette everywhere that I am. You're a musician and you don't like cigarettes? That surprises me. H call cancer or the smell of death. Okay, I get the smell from outside is not great, but I, I mean, it. Yeah, and I don't get to control it. I just want to exist and walk around. Then I have to deal with your cancer air. Well, that's why I like the vapes, because vapes are. I, I that's why I use the vapes because it's a lot more convenient. You know, I don't have to worry about. I love convenient cancer. I'm trying to quit both. I'm trying to be like a social smoker where if I go to like a friend's show or something, that's a good way to quit. Still doing it. Lime. Ulta. To cover up all the preemptive wrinkles that's probably under that all that cake from the cigarettes. Amazon. Starbucks. Starbucks. Glam Nails. I don't want our nails to be black from all the cigarettes. Got to get them done all the time. Money. Starbucks. Lime. Lime. Amazon. Amazon. Amazon. ATM with $60. Who knows where the. I went. Got in some Zell. Starbucks. This is crazy. I'm a little disappointed that I'm seeing a lack of Big Gay Sell. I'll be honest. Seemed to be a one-time thing and it was very fun. Wining. Got some draw $43. Who knows where that went. $25 Zell out. Tide House. PlayStation Network. Yes. Um, PlayStation. Yeah, because I play Minecraft with my boyfriend and we have to have PlayStation Live to be able to hop on Minecraft. We live in the same city. I know. Go over and playing Minecraft. Shut the up. Stands Donuts. Bookstore. We already know you have Audible and a library. Multiple of them. Amazon. Lime. Uber Reads. Can't afford rent. Get at going in and getting some bull. You. Cash Apping out $50. Where is all this money going? There's so much money being sent out. Zell. ATM. Cash App. So much. Where's it all going? Well, so sometimes for Cash App, I'll use my Cash App card as like a way for like to monitor my fund money. So it's like fun money. You. You don't have fun money. If I. You don't have fun money. You're negative in a checking account. You don't have fun money. You're borrowing a million jillion dollars in private student loans for a worthless degree. You. You don't have fun money. But at the time, what I was saying, okay, at the time, I'll tell you the time. The time is you're dying. I, I mean, I'm still alive now and I'm still in Chicago. And so the way that I saw it looking, I still. I go to a gym. You should see a gym on there. I go to La. Well, we don't criticize gyms. So. Well, okay. So I mean, I at least I'm doing something to counteract the nicotine. I don't think that's how that works. You do gym to counteract McDonald's. You don't gym to counteract lung cancer. Like endurance and stuff, you know. My lungs can still. Yeah, I guess you have to really push it because you're killing yourself. You are crazy. $247. $247 in savings. The Acorns that we were super excited about. It's $152. That's our retirement. Well done. $352 in the other one. Well done. You're dramatically behind on retirement. You're negative in a checking account. This is a joke. I do like Acorns for the automatic investing, but I'll be honest, I mean, just like the brokerage that we're partnered with, Mumu, if you put your money in there, it's at least like an 8% return on your uninvested cash. But I do like the automated investing stuff. So I get it. That's fine. That's fine. I. So that must be paid off, right? Yes. The phone's paid off. Good. What's your phone pill like? $98? Are you fuing crazy? Okay, T-Mobile. I'm sure it's strong in in. Okay, then switch to Helium for $15 a month. It's the same towers. Oh, I don't. I mean, I. Oh, I don't want to save money. E. It's a name brand. I haven't heard of you. It's the same tower. Stop being a dumb. What about T-Mobile Tuesdays? I don't know what that is. You get like deals and stuff on. So more ways to spend money. I, I'll look at. I guess other options. Yes. I've just had T-Mobile for like my entire like adult life. My goodness. I could never not have a brand that is sucking me dry. I'm so passionate about getting sucked dry. Sound like youring boyfriend. They're okay. They're when they first financed my very first phone, they kept that on file. And so whenever I finance phones with them now, they whenever you finance phones. So we're so excited to finance phones. Let's get into more depth. You. I'm still with. Stop being a little dumb. Stop being a little dumb. Just stop being a little dumb. Stop being a little dumb. Stop being dumb. How Ley is that skin under that cake? Not that bad. It's moisturized. I spend a lot on skin care too. Sunscreen every day? Yes, of course. Right? And all in the evening? Of course. Good. But we still smoke cigarettes. Okay. A lot of water too. A lot of water to make sure hydrated. Cigarettes. See smoke. Yes. Cigarettes. Um, I'm plan. Yeah. Good. You guys are perfect together. You're going to die. Oh, no. He doesn't smoke cigarettes. No, he doesn't smoke cigarettes. Sorry. He. He. No, no. He doesn't smoke any nicotine anymore. Besides. Yeah, besides. Also great for our lungs. He. Fun fact. Breathing things in that aren't just air is bad for our lungs. I know that 100%. I wrote like a nine-page like personal memoir on my relationship with cigarettes. I know they're not bad. No, I know it's not great. I know cigarettes are. I know that's how effective creative writing is. We write about our addiction and then do nothing about it. What's your rent? I could get published over it. Uh, have you? It's submitted. They're still in the reading process right now. Yeah. How many years have been? They have they been reading? Uh-uh. What's your? What's your? What's your rent again? $12. $1170. Utilities? Uh, like $35 for everything, including the internet. Um, everything is in like technically built into a utility package and I don't get charged that because I'm in the aero. So I only get charged electric. Either. No electric is only. You get sushi for $900 a month. So $35 for electric? Yeah. Okay. Internet included in the rent? It is. You know what the crazy thing is? Gosh, I'm just going to sound like an extremist. I'm doing it again. Thing is, I believe in taking care of those who can't take care of themselves. I believe in helping, uh, mentally disabled. I believe in people who have gotten injured. I believe in helping people that get unemployed. They, I mean, they've paid into the unemployment system anyway. I believe in these things to help people that cannot be helped. You are spending $900 a month on rent. Why the. Should the other taxpayer pay for your damn internet? It is kind of gross. That is why people look down on the systems because of someone like you who thinks they're entitled to go blow all their money on fun. And it was just. It was $900 on going out to eat. Sure, but it was also Missell is bull an additional $872. That's PlayStation Network and all that other stuff. I mean, going in and getting crap was additional. Just extra money. Your subscriptions is also almost a full percentage of your income. It's a joke. It's a joke. That is why there is so much pushback in programs like that because people like you abuse it who don't necessarily need it. It is so disgusting. I. I want it for those who cannot take care of themselves. And I want to support them. And I want to love them. And I want to encourage them to get to a better place. I mean, I agree to being in that industry. I'm okay. I'm not abusing it. You're doing $15 a month for your phone bill 'cause you're switching to Helium. I am not going to let you make an excuse around that. This is pretty damn objective except for weird pearl clutchers or like someone that believes that crazy people out there. I mean, Reddit might be upset by that. But I mean, okay. I. Okay. Would I be able to still use my same phone? Is that a d question? Of course. Of course. It's not dumb. That's fine. First dumb. Not dumb thing. $300 for groceries. Congratulations. I'll do $350. $350 just in case you got to get a little delivery in there. TP fund. Tampons. Anything you need for life. Makeup $100. Healthcare. How much? Um, I don't have. I'm. I'm not medicated anymore. Oh. Um, my gym is $59 a month. Okay. Pets. You. You. I saw pet food. What? What do we have? I have a cat named Sophie. She's a Tor. Okay. How old? She's 10. Crap. So no pet insurance then? No. She. No. And she is hyperthyroid. Now I know that's why we get them when they're young. That's when it's most affordable. Young and healthy. But she's so. I mean, I don't mind doing her meds every day. I know it's just. It's. I'm just saying we're not budgeting in pet insurance. 'Cause you. So how much for cat on a monthly basis? Food and meds? Um, uh, I know that the her bag of food is the prescription food is like $80. Um, but that would last probably like two months. Um, so $40 for her food. And then her meds were also another $40. How much? $80. Okay, sorry. It was just 40. I was trying to think of it. Yeah. You don't have to pay for transportation 'cause you're going to get your car fixed. Anything else that needs to be in your budget? 'Cause right now, don't have much. $188.61 for debt minimum to payments. Tell the student loans kick in, then it's gonna be like $750 a month. But I, I mean, I would hope that I can put some aside for car. Is there anything else that needs to be in the budget though? Your expenses, your required expenses. Um, not including like my credit cards and stuff. I did your debt minimum the payments is $188.61. What else needs to be in your budget that I'm not including? That's it. That's all that I can think of off the top of my head. Um, I do want. I, uh, I mean, I can't. You can't budget just a little bit of like fund money. I don't know yet. I need to see what kind of clearance you have. Of course, we can. If there is clearance, $840 is what we're going to have after the $1,200 when we set money aside for taxes. Then $2,800 for the rest of the income. So income. We are going to say, except for the bonus months, obviously. But $3,640. Let's add up your expenses. Yeah, that sounds about right. Yeah. Okay. Required. Just. Yes, the $75 for my CTA. No, 'cause you get it for free. You're going to get it fixed. You dumb tit. I'm sorry. Oh my gosh. How does he deal with you? I'm excited to talk to him. $3,640. So what you have on a monthly basis. Congratulations. And $1,997.61 are your expenses. So let's see what. What are we left? That's pretty basic math, but either way. $1,642.39. I'll put in how much fun money. I'm going to put. I'm going to put in $42.39 of fun money. Congratulations. $142. $2. Shut the up. You. No, no. Okay. I. Yeah, know. I mean, okay. All right. That wouldn't count like, uh, like any kind like like extra stuff like, oh, my skincare ran out. Like my. That's in your TP fund. You have to budget it in. Okay. Okay. And you're going to do it all in the simpler budget appen again. It's going to automatically connect everything. All your accounts. You build out the categories. You'll stick to it. It's soing easy. We want it to be the best budget appap in the world. Can use it. Extra $1,500 on a monthly basis. But we're a child, so that's why we're in all this debt. It's crazy. It's get minus our student loans for now and collections. We're looking at. Okay, $4,365 of debt outside of the student loans. Student loans are the crazy ones. And then the collections, uh, just about doubles it. But with $1,500, you're out of credit card debt and bad debt and payday loan debt, all that stuff in three months. Oh, wow. Oh, no. Three months. How can we. That's horrible. But you see how you could have done this immediately? This is a joke that you're in debt. It's because you're an entitled spoiled cuddled person that's never lived in the real world yet. Yet. Okay. What a joke. Student loans. I wouldn't take out as much. After the three months, I wouldn't take out any more student loans. Collections. I would negotiate. Probably three months worth of those payments. Negotiate. Try to cut them in maybe 75%. Negotiation. We can help you with that off camera, but you'll essentially, uh, give them like, I'll pay this much, blah, blah, blah, like every couple weeks or so, and they won't accept it. And then just keep forcing their hand until they do or just never pay it at that point. Okay. And this also includes your friend, by the way. That money in that three months. So we'll call it six months once the collections are done. Uh, if you pay them all off. And three months for the credit card. So six months total. Then through that five, $1,500 towards your tuition. And then you're probably borrowing the rest. If you're really going to complete this degree. And wait. So you're saying to not to finish my degree? I'm going to have to pay the rest completely out of pocket? No, I'm saying throw $1,500 a month towards it. And whatever else is left, you borrow if you really need to get it. I just don't think I'm going to be able to convince you otherwise. So there's really no point. But that at least helps limit that. And then on a monthly basis, you're doubling up your student loans once they kick in. But you'll be able to $1,500 and you'll pay off your student loans in about five years. And there you go. That's what you get out of debt plan. And I'm pissed that you're in debt and that we even have a debt payoff strategy because you have money left over on a monthly basis and you are being subsidized even though you don't need it. And there are people who actually do need it. Definitely. And this is crazy. Budget. Not true. Okay. But spending in a budget. You just wanted to live in an expensive area town. Let's be honest. It's not an expensive area of town. Uptown is like not the great part of. Spend budget. Overspend. 0 out of 10. Debt you have. Collections. 0 out of 10. Emergency fund. You barely have any money set aside. 1 out of 10. Retirement. Barely any money set aside. 1 out of 10. Real estate. 0 out of 10. And financial score. 0.5 out of 10. Guys, come join us in the post show. I'm going to talk to that boyfriend. We're going to see what the his perception is on this and all that stuff. I always love a good confrontation. And te thing. And apparently Lindsay is typing to me right now. There's apparently something coming up in her life that I don't know about that's going to kill me. Great. Can't wait. It's going to be so good. Um, but, but you can join. You can join the elite membership. But you have to join it before the month ends. But if you join it before the month ends, I will pay for it. I will cover the $10 by giving you a Visa $10 gift card that could be spent anywhere. Then it's a virtual one in any country except for like Russia and North Korea. So make sure you join and then send that proof of purchase and username or at member at Caleb members Caleb hammer.com and I'll reimburse you. So it's like a free trial to our elite membership with thousands of hours of extra content. Make sure to download Simpler Budget app. There's a free trial to the premium version. See you guys in the post show. It's going to be fun. So how are you doing with this? I just don't pay attention to it. You going to marry her? I don't really see myself getting married, so probably not. Thoughts on that? I try not to think about that. Also, why do you keeps? Oh, I my friends wouldn't me though. Have you ever considered close your ears? Not being with him? You're not having. You don't live together. There is no future of marriage either. Why continue this? Yeah, when you lay out like that, that makes sense. To watch the financial audit post show, click the join button below.