Financial Audit’s Dumbest Guest Ever

My credit card debt isn't even that bad. Are you fing stupid? What do you mean? I don't like paying those. I'm going to be honest, like, yeah, like we get to choose what we like and there's going to be no consequences cuz I don't like it. Well, I'll just figure it out. You know who hasn't just figured it out? People who get evicted. It's not going to happen to me.

The are you talking about? You have a 7-year-old kid. Download my new simpler budget app today and take control of your money once and for all.

Hi, my name is Julia. I'm 27 years old from Nashville, Tennessee, and this is Financial Audit. Thanks for coming down from Nashville. What do you do for a living up there? I do customer service. Okay, just flatline customer service. Customer service manager? What are we in that scale? Um, I just do like, kind of, yeah. Um, it's like customer service. It's not like the, I help customers. Uh-huh. Mhm. Okay. And what are you paid through helping customers? Wait, can we start over? No. Oh, okay. It's okay. You're okay. You're okay. Okay, no, take a second. You can breathe. You can breathe. Uh, it's okay. What do you make? I make $50,000 a year. Oh, okay. Not bad. Nashville's a little expensive, uh, as far as the Tennessee area. I did just get a 3% raise though, so it'll be like $51,500. It's kind of like just in cost of living rise, or yeah. Uh, but even still, that is good. It's better than no rise, for sure.

So what hits your account on a monthly basis? Um, so I actually just like switched my W2. So it's going to be a little bit different going forward. Switched? Yeah, not switched, but like, I think I had filled it out incorrectly. So like, I was getting more taxes taken out than I should have had. Okay. Sure. Which gave you a bigger refund, but obviously that's not how we want to do it, right? Um, so now that that's updated, it should be closer to $1,750 per check. Okay. Perfect. $1,750, but that's not with the raise also. So include, so $1,750, maybe like $1,800. Yeah, I would say $1,800 every two weeks. Every two weeks? Cool. So we're looking at about $3,600. How are we living in Tennessee off of $3,600 a month? Sometimes a little more. Um, it's pretty good. Pretty good. Yeah, it can't be pretty good. I mean, you're, you've been accepted to come on this show. It literally cannot be pretty good. Yeah, it could, it could be better. Let you know now, could be better. It could be.

So what's what's wrong? What's going on? So this is a single household income? Yes. Okay. Are there any dependents or anything? Yes, I do have a son. Okay. How old's your kid? He's seven. You're, so you're a single mom? Yes. Yes. You get child support? Yes. Oh, what do you receive there? That is $514 a month. Not much. Are you full custody? Um, we have joint. So it's 80% me and then like 20% with his dad. Oh, with the kid's dad? Okay. So that's why it's kind of low at that $514 a month. Yeah. Yeah, cuz he does have a little bit more time with him.

What's going on? What's going on? Cuz this is f... It's buddy, you're like not paying your debt. Are you kidding me? It's, you don't know. It's, well, you don't know. It's, it feels, she doesn't know. It's okay. That's okay. So what's going on in, uh, your, just in your version of your life and your perception of reality? What, what we got? What we got going on? Um, it does, it does feel a little bit. You just said everything was pretty, pretty chill or all right. Well, I'm still like alive and, yeah, I'm paying my bills. Yeah. But you're also not really providing much of a future for the kid as well, at the same time. I know there's not really any savings for you. I know there's not any kind of support system for him, right? Um, you're getting into a more dangerous situation as you're going out and throughout all these literally no payment debts.

I'm trying my best. You are. Yeah, you are. Yeah. Oh, what's trying our best? Um, we had almost $700 bucks of just miscellaneous spending. So $700? Yeah. Is that trying our best? Uh, is missing a, you know, $40 payment trying our best when we have a kid? Is that trying our best? Um, sometimes like things happen and it's not like all the time things happen. Mhm. Well, yes, you are a human being on this planet. Things happen. So we act like an adult and we be prepared for these things to happen. Okay. So you are not doing that. Um, I should be, I guess. My spending could be probably a little bit more controlled, like on certain things. Why aren't you controlling your spending? What's happening? Um, I'm just trying to get a little perspective, a little microscope into that life of yours. What is going on? Well, you say you're trying. Yeah. We're missing very small payments and we're spending about $700 on miscellaneous. So I would say incorrect. What is going on? Um, I guess I just don't pay enough attention to where my money is going. What does that mean? What does it look like on a monthly basis when money goes places? What does that look like? How does that happen for you? Basically, whenever my like bills are paid, like rent is paid, and then like any money that I have left over, I just kind of spend. Spend it. Okay. So how much came in income-wise? Are you asking me? Oh, um, I'm asking them. The camera was over there. I pointed at the camera. Yes. How much came in? Um, $3,500. $3,800. Yeah. $3,900. Okay. Good. Livable? No. Ni. How much did you spend? Probably $4,000. Why would you spend more than came in? $3,900 comes in, $4,000 out. Why would you spend more? Because I feel like I can. Huh? You feel like you can spend more than comes in? Um, well, I am. Aren't you? Okay. You were chugging that Celsius. Are you like, like, where, where's, where's the brain right now? It's here. Yeah. You spent $6,414. How much? $6,414. $6,414. How, how, how? We haven't gone. I have. We'll go through your documents and we'll find out how. But I already told you, you spent $700 just on miscellaneous bull. If you spend $700, let's see. The income is $3,800, normally $3,600. So it's called $3,600. That's already 20% of your income right there. 20%. 20%. Okay. I just need you, just please explain what is going on in your life. Something bad happened to me. I got in a small fender bender with another car. Okay. Um, I was like at a red light and I was coming to a stop, but I didn't stop like right in time. So my car kind of like bumped into the back of another car. How, how fast? Uh, it wasn't fast. It was like maybe like 5 miles an hour. Okay. Um, there was like no damages or like anything that happened. Um, nobody was okay. Yeah. Um, but the issue there, the issue is that there was like a lapse in my insurance coverage. No. Yeah. Why? How much of a lapse? Um, probably like a couple weeks. Why aren't you on top of it? I think I forgot to pay it. You forget to pay everything. Everything in here is forget to pay. Sometimes. Uh, yeah, there's things that sometimes. Has in almost everything in here. Almost everything. Oh my. You don't know. You, you, you legitimately don't know. Well, the my insurance, it was like a, kind of like a pay by week type of thing. Weekly insurance? Yeah. It's like cheaper that way. No, no, no. Yeah, you only when if you pay by annually, that's how it's cheaper. Are you saying like per mile that you're driving? Like the days I'm driving? What was your insurance payment on average on a weekly basis? Like $30 or $35 a week? $45. Yeah, but that's not, not crazy. It's like $180. Mhm. Why can't you just pay that monthly? I feel like it's going to be more expensive. Okay. Why is it on autopay then? Yeah, that's probably my. Have a kid. Child. Seven. Kid. Seven. Kid. Seven. Kid. I should probably have better insurance. Yeah, you should probably have, uh, insurance in general. Like, maybe we don't have laps in that when we're smashing into bumpers. Okay. So what happened? Basically, like since I didn't have insurance, I, nothing happened at the scene. But then like a couple months later, I got a letter in the mail. Um, it was from a subrogation company. Okay. And they told me that I owe for medical damages. Since I didn't have insurance, I have to pay that medical for the person you hit. Mhm. But there was, there was no. What are they claiming? [Music] $48,000. Yeah. I don't understand how that's possible because there was nothing happened. Like everybody was fine. There was. Yes, but they may have gone to like an urgent care. How? For $45,000? American medical expenses are crazy. Maybe if, uh, who even knows? I don't know. Did you not see what it was for though? You just saw the number. You didn't see what it was for? Yeah, they said they just said medical expenses. Yeah. But you didn't see what it was for? No. The lady when she called me, she was, do you want to go ahead and like set up a payment plan? And I was like, no, no, I'm not going to pay that. Like there was no injuries. Like this is like a scam. So they said if I don't start paying that, somehow they're going to take my driver's license away. Is this, this isn't through? Do you have this? Did you bring it? I sent, I sent a picture of the letter. Yeah, you sent it. Um, could I, could I get that in Slack? I want to, uh, I don't know. Okay. I want to make sure one, you're not getting scammed. Two, they have the authority. Uh, well, I think like I did like some research on it and I think like they have to like technically take me to court for it and then like sue me. Yeah. And then like if it's like, that would be my guess. But that's what I want to confirm. Yeah. And so I guess they're going to keep like sending me letters. Hey, make your payments. How about we do that and not get? I'm trying to make my payments. Not. You don't make any fuing payments. What are you talking about? You spent $700. You spent $2,000, $2,500, or $3,000 more than you make on a monthly basis. Maybe sometimes they're late, but they, you don't know the word try. No, no, no, no. Objectively, no. First document right here, lady. You are behind by. I don't spend on the credit cards. There's only one credit card that I. I don't, don't give a. You're not, you're not paying on the credit cards. What? Um, I, I cut up all. You're behind five payments on this. I make my payments. Behind five. Probably just about. If I included the monthly fee and the payments, yeah, equal about five. I don't think that's correct. Well, you're not over the credit limit. There's the, you're almost there. You will get above the credit. Which one are you looking at? There's $40, there's $40 of fees being added on a monthly basis because you're not paying in the payment. Then the payment is $42. I see. Also, they don't see the letter. Oh, I sent it in a text message. Oh, okay. To Lindsay. Lindsay will get that. So you combine both the fees and the minimum, the payment that you should be making, combine them by two and then divide that by the $431. You're about five months. Five months behind. Don't we audit finances all the time on the show? But when's the last time you did a little life on it? Think about it. If your mental health is a mess, everything else falls apart. Your relationships, your work, and yep, even your finances. Stress leads to tequita-level purchases. Burnout leads to missed opportunities. And anxiety that'll have you avoiding bills like they don't even exist. But here's the good news. Today's sponsor, BetterHelp, makes doing a mental health audit simple. They connect you with licensed therapists and psychiatrists tailored to your needs. And if you want even more control, you can browse the directory to find the right fit with in-person or online options. 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Oh my gosh, okay. We're, we're starting at the bottom because I just, it is okay to be ignorant. That is not like a crime. And ignorant is better than knowing what's going wrong and purposely doing bad. So don't get me wrong. I feel like I know what's going on. The are you talking about? No, you don't. Explain what's going on with this card. Go ahead. Which one is that? What, what's the balance? It's a Capital One Quicksilver. Mhm. Is it like $4,000? Is it $4,000? What is going on with this card? You said you know what's going on with the card. Okay. Should be four. It should be like $4,000 more than just a number. Tell me what the is going on with the card. Okay. Um, so this actually just happened to me like recently. Like I've never had a missed payment ever before. Like this is the first time I have a missed payment. And I only know that because it, it's on my credit report now. Yeah. There's there. That's beyond late because you can have late payments and not get that reported. You now have missed payments reported. That's, that's when it gets. Means you're that means you're behind, behind. All right. I have the letter that was slacked. Uh, well, Bur Associates. Oh, you see it? Yeah. So they're probably a legal group. Let's see. I think so. Yeah. Have you heard of that company before? No, but I'm about to look them up. Oh, they're handing the claim offer on behalf of you, of the, of the actual company. Why did you do this? Oh my God. Is it actually like real? Like, are they really going to try to? Please report this loss of your insurance character and provide us with the claim number. See, so you could have done that. Yeah, but I didn't have it then. And they've already talked to you on the phone. Mhm. I think I might have like messed up on that because like if I never answered the phone, like maybe they would have never found me. Uh, did you give them your address? They asked me to confirm. Well, okay. So they like listed out three. Why the, what, why are you having that conversation and giving them that? Is that bad? No. Why would you give them information regarding you? No matter who they are. They listed out like three addresses and they were like, is this one of, are these one of your addresses? And I was like, no, my address is this. It's a debt collections agency. H. Will they sue you for how much? $48,000. That's a lot of money. They actually might. Oh my God. You're surprised. But I'm, yeah, yeah. Because $48,000 for what? It was like, it was like a tap. Yeah, yeah, yeah, yeah. Like there was not a. Probably went and just got checked up or something. I don't know. Um, I don't know. I don't know. Was I there? So what if like I just keep ignoring them and then I don't? Well, it'll certainly. Okay. Is this on your credit yet? Um, no. There's no collections on my credit right now. Will they sell this or will they pursue legal? What do you mean sell it? They could sell it for pennies on the dollar to a collections agency. But aren't they a collections agency? Kind of. They're probably almost working as, almost almost like an internal trying to get the full amount hired out. Well, uh, de collection. I'm not paying that. That's crazy. Well, the, what if the court says you do? Well, they'll take your. I can get a lawyer and then prove that that was. Way are you going to afford to get a lawyer? Spend double your income on a monthly basis. Um, I can still prove probably that that is not accurate. You got into a reported crash. It was small, but you got into a reported crash. We don't know where the bill's coming from. That's what I wish we could do. Yeah. Um, okay. I know. I, I wish we had a connection with the legal group. What I will do is get you connected with our, uh, uh, with Domain Money financial advisors to at least see if they can have some extra guidance for this. You get a free session, uh, for being a guest on the show. And then just to talk about this whole situation. Take advantage of three free sessions with SoundMind for therapy as well. Okay. But even still, they might give you a good direction there. $38,000, right? $48. Okay. What was the minimum monthly payment they suggested? Um, they didn't even suggest that. They just, they probably going to figure out how much you could reasonably make. Yeah. First. Okay. That's crazy, dude. Do you have insurance now? I do. I do. And then back to this card again that you're behind dramatically. Quicksilver one. So let's get the whole, for the sake of the audience. Oh, dude, this is come on. This is crazy. You can't be living your life like this with a kid. Okay. $424.58. 14. Normally $42. You're behind, behind about four or two. The, why, and you say you know what's going on with cards? Why would this possibly be behind so much? Again, another $40 fee right there. $100 in interest. Borderline on the credit limit, and you'll be there. And it'll say PD fee, PD fee, pass through fee, forever, forever, forever and ever. Why, why are you just not making a damn payment? Why are you not be on autopay? You don't make no money. Mhm. Well, like I said, this is like the first time that that's happened. No, it's not. It's five months. Are you sure it's five months? That's how the math is at least working. Um, I know it's probably like two. Two months. Math wouldn't add up like that. Well, I ran, I guess I ran out of money and it got behind. Why you make money? Why'd you run out of money? Cuz I'm paying everything by myself. What's everything by yourself? You do get child support and you don't make insignificant amount of money, especially for your age. I know you're a single mom, that part's hard. And a seven-year-old requires a little more at that point because maybe they're doing some sports, extracurricular activities, school supplies, all that good stuff. I get it. Yeah. But even still, $700 in miscellaneous bull. Bull. We'll go through it. Yeah. I have a spending problem. So you didn't run out of money because you have to take care of all the bills that I have to take care of alone. Yeah. I, I like to buy things for myself and I like to buy things for my son. Which I get the heart for. Great. Good, good. When he asks me for something, it's hard for me to tell him no. Sure. Will it be hard to tell him no when you're like, oh sh Wait, we got to leave because we're getting evicted because we can't pay our rent? Yeah, that would be worse. Um, yeah, that would be worse. But but that wouldn't happen. Why? Because I always make sure that my rent is paid. Yeah. For now. You just quote, I ran out of money. That was after my rent was paid. Yeah. What if it happens before your rent is paid next time? Do you not understand that sometimes things are a little different? Remember when you also told me at the beginning of the conversation, things have happened? Mhm. Yeah. What have things happened? Well, I'll just figure it out. Don't be the creature. I'll just figure out. What do I just figure it out? What do you mean? How are you going to figure it out? What is figuring it out? That doesn't make sense. I'll just figure it out. You know who hasn't just figured it out? People who get evicted. And that happens endlessly throughout this country, throughout almost every country. You think they just figured it out? No, they're gone. Well, I, I don't think they care about figuring it out. You're saying they don't give a about their house and the roof over their head and the kids that live there? Who the are you? What do you mean? I just feel like I'm, it's not going to happen to me. I just feel like it's not going to. That's, that's everything. That is every emergency. No one thinks an emergency is going to happen. Why do you think this is not going to happen to you? Why do you think you're special? Why do you think you're unique? You're unique in terms of you're not paying your debt like a responsible adult. Even Americans with high credit card debt, they at least pay their minimum. The payment. You're not. You're unique. You're unique failure in that case. Absolutely congratulations. But why do you think you're going to be unique in terms of success? There's nothing to indicate any kind of success here. There's no success. Where's the success? Can you show me a pattern of success that would prove that you would be the person that is able to get out of that situation? I don't think so. I don't think so. 3.7 million eviction cases filed annually in the United States. Well, I'm not going to. I'm sure some of them thought they could just figure it out. Well, I'm not going to lose my job. So I'm always going to have enough money to cover a lease. Lady, do you not remember your own words that are coming out of your mouth? I ran out of money. But then I get paid again. Yeah. What if you don't? Okay. What happens when a $48,000 bill hits because you refuse to have insurance? Huh? How about that? I guess I'll file bankruptcy. File bankruptcy? Like that's nothing. How can you afford bankruptcy? Bankruptcy isn't cheap. You think you just walk outside, I declare bankruptcy? No. Um, I think you, I know that you have to find like a lawyer to, to do that and pay a lawyer to help you with it. Um, and you're ready to start giving some things up. Potentially. Probably not your car. We wouldn't go down that route. But also, if you ever need to reapply for a lease to look somewhere else, that's going to be on your credit for 7 to 10 years. Years. Well, it's better than paying $48,000, I would think.

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Download the Simpler Budget app today. Link in the description below. This budgeting app will change your life. Potentially. I'm just saying that happens and maybe a court orders you to pay it. Mhm. And then, uh oh, now I can't pay rent. You're saying just figure it out. I have a payment plan. So I can just do the payment plan. You don't know what the payment plan is, lady. And guess what? You're not paying on your things that have payment plans. You're five months behind. So what the are you talking about? The reason I married is because you have a kid. It's not, not cute and funny anymore. Once you have a kid. You're right. Why'd you have this kid? Were you guys just like, just like diddling it up or were we ready for the full future or what was going on at the time? I was, I thought I was ready. And you guys were together for a while? We were together, um, for about a year. And then after I got pregnant, we broke up. Was it purposeful pregnancy? No. Why weren't you guys using protection at 20? Uh, um, I guess it was a poor [Music] decision. I, yeah. And you just let him wherever. Um, he tried to pull out, but he failed. Yeah. And you didn't go get the thing. What thing? The Plan B. Plan B. Um, no, I did not. Because I, I didn't think that I would be pregnant. But not thinking, things happen. The consequences of our own actions seems to be a pattern in your life. And I'm not saying you should have taken Plan B. I'm not saying having a kid was the wrong choice. You can do whatever the for sure. It, you could do whatever the you want. I'm not saying that. I'm just saying no preparation and a constant pattern of thinking that nothing will happen. The consequences of the actions that we do seems to be the definition of you. And now it was a responsibility to take care of this kid who did not choose to come into this world. And guess what? Mommy is not paying her bills. Kid would like to do things. Would like to move up in life. Would like to maybe go to college. Good luck, Mama. Applying for any Parent Plus loans or anything, or for his first car, or whatever there might be anything that you might want to do for kiddo. Good luck. Cuz you're saying no your life now. I'm not saying my life now. Your actions are. That's your words. Your actions are also your words. It's kind of hard because you don't think anything bad will happen. But guess what? It happened. Last time, I make sure that the important things are paid. How do you determine the importance of bills? Rent. Um, so roof. Okay. Yeah. Food, groceries. Yeah. Utilities. Probably car payment. Utilities. Okay. Where do you think you are on a scale of 0 to 10? Zero being the worst finances you can think of, 10 being the best finances you can think of. Where do you think you are, self-assessed? Um, I would, in that heart, I would probably say a zero. Yeah. Sounds about right. You're okay with that? No, I'm not okay with that. Then why have you done nothing to fix it? Because I feel like I keep making my payments, but they're not, the balances are not going down. When, if I didn't have credit card debt, I feel like my, which my credit card debt isn't even that bad. It's not even that high. Are you fing stupid? What do you mean? Any kind of credit card debt that has a decent interest that you cannot pay off, that is being pushed to the credit limit, is bad. What the are you talking about? $2,500. So what's? No, $4,240. They think that's not bad? That's horrendous. That's horrendous. I'm not spending on it. So that's what would make it bad. Is if you're spending on it. Make it worse. That would make it worse. Does it mean it's good? I don't think it's good. I don't think it's good. But I think just said it's not that bad. It's pretty bad. Yes, it is. How can you think it's not that bad? If you don't think it's not that bad, then why would you ever do anything to fix it? If you don't think it's not that bad? I am doing things to fix it. No, you're not. You're behind, lady. What are you talking about? You are so delusioned in your life. The are you talking about? You won't even hold insurance and make the payments for that in time. My gosh, guys, if you want your Hammer Financial score and want to find out where you stand, it's free. Link in the description below. Fun little algorithm. We take your information, we give you your score. And if you want to come on the show, get a little wakeup call, but also have a good time. It's so, it's a like a half a day activity. It's a good time. Come down here to Austin, Texas. You can go to Calebhammer.com, apply, and I'd be happy to have you here. But you, me, don't seem to know what the what you're talking about. You think so? You don't. No, you don't. I, I do think I know what I'm talking about. Why are you confused on your lack of payment on this card? So, and that's, but I still pay it. Yeah, but you're behind four, five. You haven't caught up. Look at it, lady. There are numbers. Whether or not you're able to read them is unknown to me, so far, but they're there. If the math is adding up, yeah, about three to four late, late, late payments on here this year so far. $1,200 rounded interest this year on one card. One card. You're okay with that? No, I don't want to pay that. Yet you allow it and don't change any behavior ever to solve it. Okay. We have an Amazon card. This is dangerous for you to have, isn't it? Yeah, but let me see your Amazon order history right now. Okay. Let's see it. The, the credit limit isn't very high, nor should it be. Fre. You. Oh, good. We're over the credit limit. So on Amazon. Yeah. Isn't it $500? You're $512. Again, numbers are convenient to look at sometimes. I do look at that. I look at it like every month. Well, incorrectly or upside down, I don't know. Yeah, that's been maxed out for a while. Then why are you purchasing $40 on here? Mom, it's, it's been maxed out for a while. So let me go ahead and purchase $40 on there. I guess it's like wise. Sometimes, um, I guess I can make some impulsive. How about I look at that Amazon account? What is, what, what is going on? I've seen you push the screen like 50 times. Did you connect to the Wi-Fi out there? No. No, I didn't. $40 of purchases. $3.70 of interest recurring. How long does this take? To pay off just doing the minimum payments? Just the minimum monthly payments? Um, probably like two years. Yeah. 16 months. Pretty close. Go ahead, scan that QR code. The last card. The last card alone. Just the minimum monthly payments. How long do you think that takes? Which is, by the way, better than you're currently doing. Are you talking about the $4,000 one? Yes. The Capital One Quicksilver. Um, probably like 10 years. 20. And that's if you actually do it and you're not. Can I scan that again? I'm sorry. So we struggle to use the phone as well. Okay. So $40 minimum to payment on this Amazon card with a over limit. Yep. So, oh yeah, I'm connected. Sorry. $512.23 is added. Okay. Um, do you want to see this? Yes. Okay. Start a screen recording. Screen recording. Okay. What? Nothing. Men's oil tan leather. That was a Christmas gift for my dad. Some Christmas pajamas for you and the kid. Mhm. Some deep vitamin C golden moisturizer. Your skin's okay. Yeah. Real deep bio-collagen thing. Oh, it's, it's all skin, skin, skin, skin, skin. Makeup, makeup. You're wearing a lot of makeup. So I can see that. You returned some things. We got a cable. We got some booty pants. Booty pants. Yeah. And, uh, silky tights. Shoulder bag. Shoes. And, yeah, children's things. And tea oil. That's not that crazy. Let me see your nails. They're just short. Uh, yeah. You're no longer wearing the press-on pink nails. Yeah, I got those to try to like stop going to the nail salon. Undetectable thong. Tectable. Undetectable. Undetectable. While we're here, let's see what subscriptions you have. Oh my gosh. What are you looking at? Your subscriptions. Oh, on what? Read your phone. Oh, uh, read. Open your damn emails and get rid of that. Get rid of those. Readings. I know. I hate looking at that. I just need to get on my computer and like mark them all as red. You have so many subscribers. No, I don't. What are, what am I subscribed? You don't know anything. What am I subscribed to? You don't know. First of all, you're subscribed to Tinder. That's not for me. That's not for me. I, I don't even have a Tinder account. Whose Tinder are you paying for? You're not chasing dick. No, not currently. Um, yeah, I don't have a Tinder account. Okay. Why do I see, uh, and it's not. Oh, you're right. Sorry. These are inactive. You're right. You actually don't have any paid. Oh, so you just canceled Tinder. Yeah, but you just, why the, you have Tinder? It's not for me. Sorry. Paid. Why are you paying for else's? Someone else's Tinder. It was like, it's a profile that I created, but it wasn't like me. You are paying for. You paid for Tinder. I did because, um, there was something that happened. I had like an ex-boyfriend and we actually just broke up recently because of something that happened. And that's why I got the Tinder account and paid, paid for the premium. What happened? Um, so he went out of town like two months ago for like work and he was going to be gone for like a month. And we've had like some issues like of things he's done in the past. What? Uh, like Instagram liking. Can't like on Instagram? No. Okay. Why would he be liking other women? I, I don't know. Maybe it's art. Who knows? But go ahead. Go ahead. Well, he knows that I didn't like that and he kept doing it. Okay. Well, you vocalized it. Okay. Yeah. Yeah. Okay. I kind of had some suspicions and this is like the first time he's ever had to go away for like a long period of time. So we actually met on Tinder, but that's the last time I've ever used it, which is like three years ago. Um, so I felt like maybe until November 17th, but okay. Yeah. I felt like maybe he might still be using it, but I wasn't sure. Um, what gave you that suspicion? Just liking posts on Instagram. That and like certain people that he follow, follow. Okay. And then like some messages that I saw. Between him and people. Mhm. What? 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. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. Um, just like not like it was just like him like sending little hearts, you know how you can react? Like he would send hearts or like heart eyes or he would just say like, you look so beautiful. Um, yeah, I shouldn't be doing that. That's for sure. Okay. So what I had his, I had his location and he went to Detroit and I created the Tinder account and like used. You wanted to make sure he wasn't shot? Make sure what? It wasn't shot. Shot. Oh, yeah. Detroit. No, I wanted to see if he was going to like download the app. So the first day he got there, I made the Tinder and if you pay for it, if you pay for it, you can like pay to like change your location. So like I put his exact location and then I like changed the radius to like one mile and then like I did two swipes and then his account popped up and it said, in town for a month, hit me up. Oh, so he was. Other people he was trying. But then I asked him about it and he was like, oh, I already deleted that. Yeah, I'm sure. I'm sure that's what every Ashley Madison guy said. Yeah. Okay. And, um, so I did pay for that, but then I like got it refunded. Did you break up? Yeah. Yeah. Yeah. Good. We broke up. Good. Cyber Ghost. Safe and private. Something November 9th. Oh, okay. Uh, free text call number. November 11th. ExpressVPN. November 9th. Apple Music. Just canceled. Yeah. Which ones are that? Second phone number. October 17th. What are you doing? Why are there so many different phone number things? What, what are you doing? Um, um, those are also something probably to do with him. I was a little. You don't know? No, I do know. What? Uh, so basically, like I created some fake numbers. Oh, lady. And then like I pretended like I had seen him out in like public and then wanted to see if he would like text them back. And he didn't. But he also had a lot of like. Okay, your suspicions actually ended up becoming correct. What if they weren't? Like, you're just kind of like the bad ex in that case. You actually were correct in the end. So you know it worked. I wouldn't do things like that if I didn't think that. Yeah, but from Instagram likes. No. Well, no, saying you're so pretty and stuff. That that's fair, actually. Um, but even still, this is a big. He was just like a bad person. So I kind of. How are you guys together? We were like on and off for three years. You invested a few hundred bucks to catch this thing. Okay. All right. Yeah. And he also lived with me for for a while and didn't pay any rent. Oh, when did, when was he out? Probably like two months ago. My gosh. Why wasn't he paying rent? Is that not a red flag enough? Yeah. And then that's like when my finances started to get kind of worse. Okay. Worse. Cuz trust me, they were already bad. But why wasn't he paying rent? I guess because he didn't have enough money. What was he doing? He had like this job with one of his family members. I think he was only making like $400. I kind of want to call him in the post show. Should we call him in the post show? Oh my God. We're going to call him in the post show. Are you serious? Yeah. Oh my God. That'll be fun. We'll have some Springer in the post show. In our YouTube membership, it helps support the channel, guys. And there's thousands of hours of extra content and other shows as well. Uh, okay. So Amazon. Yeah, the interest accruing. Uh, it was, yeah, it was three Amazon purchases. Probably all the skincare and makeup and all the sh. You're doing fees this year, like $70 bucks in interest. What? Those fees are probably late fees. That's probably two late fees on which one? On the Amazon. Over the course of this year. Over the course of the year? Yes. Two late fees, probably. Yeah. I, I don't like paying those. I'm going to be honest. Like, like that's what we get to. We get to choose what we like. No, we don't. But I, hey guys, guess what? I don't like paying my property taxes. I'm just not going to. And there's going to be no consequences cuz I don't like it. The are you talking about? You have a seven-year-old kid. I like paying for everything for him. Yeah, you have to be responsible. Do you not understand? Just like the. I feel like I'm pretty responsible. In what world? I feel like you never matured past 14. No, legitimately. Based on your language. Do you think? Yeah. The words you're saying, the phrases, your mentality. Well, that's your opinion. My opinion. Dude, it's in the numbers. This isn't an opinion. This is like objective reality right here. The whole, I don't like making payments on this. That's what a child says. I still make them though. You missed two this year. Shut the f up. Two out of the year. That's not that many. Are you like, actually like, I feel like that's not that bad. Missed 15% of the payments this year. Okay. Substantial percentage. I don't want to be rude. Yeah. The a mature person, an adult pays 100%. By the way, I, I, I, I legitimately would like to know, just for my own information, not to be rude, but out of legitimacy, did you graduate high school? I did. Okay. Did you? Yes. Okay. But am I giving off any indication that I didn't? I, I, I, no. Am I? Yes. Oh, okay. Okay. Capital One. $128.36. Very low balance for what we've looked at so far. With the $25 minimum payment. Okay. So you made the minimum and then interest accrued. Mhm. Okay. So that's all that happened on this card. But she did say at the beginning, haven't really had missed payments this year so far. Until recently. We learned that that wasn't the case on the Amazon one already. But let's see if that's the case on this card. Should we? Shall we? Oh, there it is. There's a little fee that's happened this year so far. Sounds like you're a liar or just don't know anything. You said there was a late one on that. Yes. This year. This year? Yes. This year. How many? You know what year it is? Yeah. 2024. Okay. Tomorrow will be 2025. Wow. Fresh start. New me. What was your question? Um, how many? Was it one? One? Okay. That counts. It does count. Yeah, it does. That's, um, is anyone keeping the math? Five, six, seven, eight. Ah, eight missed payments this year. So far. Yeah. Um, it was a rough year. It was a rough year. Yeah. Sounds like it with like the cheating dude. But again, that was a couple months ago. The out. Um, I'm spending money to make myself happy and my son happy. And how's that working? It's ending in misery. Ending with eviction, ending with bankruptcy, ending with your kid not having a good future. Yeah, that's more misery. So maybe we do a little temporary sacrifice like an adult, a mother, a responsible parent. 27.99% interest rate. Basically $100 in interest accrued so far this year. The balance has never been high on that card. You're just late on a payment for no reason. Why do you not set up autopay? Yeah, that's a thing. I don't know. I just feel like that's a thing. Okay. Yes. Um, I should probably set up autopay. But why haven't you then? Because I, I feel like what if I just like, I want to pay it like whenever I want to pay it. I think that's not how this works. That's not how contracts work. You signed a contract. Do you get that with the credit cards? Yes. Well, I want to get rid of those. So.

I don't have to worry about that anymore. Yeah, you can close the accounts. You're still going to have to make your payments. You owe the money that you borrowed, right? I'm just saying, saying like, I, I'm trying to like get to where I can actually pay them all off and then never like.

How are you going to do that when you spend double what you make? Well, that's why I stopped spending on them. You spend double what you make, and that's not true. We already looked at the Amazon card where you're spending, and you pushed it above your limit. Shut the. You're like, everything you're saying is legitimately incorrect. No, okay. So the Amazon and the Apple ones, yes, I still. So also known as some of the cards, yeah. But the big ones like the, the $44,000 one, like I, so I guess the ones don't matter that are above the credit limits and not making payments on time and has interest accruing because other ones have bigger numbers. Yeah, you can use the Fizz card. I will allow that because it only allows you to spend what's in your checking account. It's like a debit card, and it builds your credit. I would close these other accounts because you're not a credit card person. You cannot be trusted with it. I would not trust you with a single cent of debt. That's fine. Who gives a. It doesn't matter. It's okay that you can't be trusted with debt. Just don't allow yourself to have it. Don't allow yourself to have a tool that can smash in your own fingers if you don't know how that, if you don't have the proper training. Okay. Okay. Is this what? Is it? You tell me. Where'd you get Fashion Nova and Amazon on? Oh, it's definitely a pay later. Um, is it like Klarna or like Afterpay? You tell me. Probably Klarna or Afterpay or, uh, Affirm. I use all of those. Oh, I'm sure you do. You've never met a debt you don't love, huh? But those are fine. Like, I, those are fine. Yeah, $49.75 overdue. They're fine. Guys, everything's great. Lady, you know nothing. You know nothing. Any account we talk about, you talk about, and you have no idea what you're talking about. Not a single inkling of brain cell connection for any document. Okay. I do remember that. I do remember that. Oh, yeah, she remembers. Yeah. Um, I, I guess I was out of money and. Oh, who. Guys, it happened again. It happened again. Yeah. Nothing, nothing will ever go wrong. Nothing will ever go wrong. Cuz this isn't the second time of this entire conversation that you said you ran out of money, right? Right, right, right. So you'll never ever miss a rent payment, right? Right, right. You'll never miss any critical payment. You'll never miss a utility payment. You'll never not have enough money for groceries, right? Right, right. Cuz we've never talked about in this conversation not having enough money. It's never possible. Having a dude bust will never result in a pregnancy. I don't know where my money is going. I feel like I. Why have you never made a budget? Why have you never tried? Cuz, okay, I get that you didn't know where your money is going, but that's fine. When you recognize that, then you're like, maybe I should do something. What's that something called? How to freak F out my money. Make a budget is usually what comes up. Why would you not make a budget? Why would you not attempt? Why has there been no attempt? I, I've thought about making a budget. Oh, you've thought about. No, no, I think about this a lot. Like every month I'm like, okay, now I should make a budget. That, that is a lot of thinking for you once a month. And then, um, like you keep saying about I'm gonna like get evicted or like miss my rent payment. It happens to millions of people. Well, I'm not. That's not going to happen because I have like earning. You know, is that the, is that the pay advance thing? Uh-huh. That's a really big problem right now. Every, every, every time you get. I'm stuck in like a loop. Yeah, that's what I was just going to say. You get stuck in a loop. So what happens? You can't pay that, then you can't. That's then you're double. Then you're double. Yeah. So choo choo. Well, so I, I'm trying to like make it to where I don't have to use that ever again, but it's like so. Try. Try this is what you've already said. Try. Try. What's your try? I've thought about making a budget. You know what? I, I accomplished something this. I thought. No. Um, I just get kind of overwhelmed. I guess you're going to get more overwhelmed the worse this gets. Yeah. It's a confront it now or make it even worse later. It's always going to be worse. That's what I would like to happen. But and I would like to have. Okay, so I'm going to do something to change it. What? I'm going to make a budget. Oh, and stick to it. Oh, because I can do that. You can. Mhm. Any in cleaner proof that that is something I can reliably take as, um, the truth. Do you not believe me? No, you don't. You're missing payments. You're not a reliable narrator on any document that we've talked about so far. You have no idea what your finances are, and you're uncontrollable spending in every way possible, and you have no discipline, and you can hardly form a coherent thought. I, like, I don't know. I do not trust you or believe you. I want you to do better. M, but that doesn't mean I'm just going to say I trust you to make you feel good. Right. Nothing has been shown to me that would give me trust. I've hope it's lacking, but I want you to, especially for the sake of your kid. Yeah, I mean, I make decent money, so it should. You do. That's not the problem. Yeah. So you don't think I need to like make more money? More money is always great, I guess, but not if you spend even more than you make extra, which is what you would do. Well, yeah. Um, I'm very happy with my job. I, okay. They treat me very well. Well, I, I didn't suggest leaving that job. I don't know. No, I know. I'm not saying you did, but. Okay. Well, we're over on Klarna again, so, uh, $82. Well, actually, overd on the Fashion Nova. Stupid Fashion Nova. What is Nova? It's okay because I actually returned all that stuff and you got refunded. Mhm. Yeah. The, well, actually no, I didn't. No, you seriously just made me cross it out of my document, and now I have to write it again. No, okay. I did return everything, but for some reason. Am I writing it in here or not? Um, no. Why? Wait, no. Sorry. Yes, lady. How? Yeah, you can write it. It's fine. Now let me ask this high school question again. I'm glad you graduated high school, but did it take you until you were 26? No. Okay. When your kid attends school, are you required to attend with him? What do you mean? Oh, what do you mean? No, he's in school. He's in second grade. Mhm. He's doing really well. Well, just like I did. I did. I, I made really good grades in school. So you returned it, but you just didn't get a refund, right? Yeah, I didn't get a refund because some, for some reason, they don't do refunds. They only do like in-store credit. Did, did you get that? Yeah, but it doesn't really. Your monthly payment is $132.7. Apple card. This is one. Your your self-confessed. I still spend money. This one's like not a big balance. This one's really bad. I do some. Yeah, it's maxed out, and sometimes like I, this is like the only credit card where you can like, if it, even if it's maxed out, you can like make a payment. You cannot be trusted with that. You cannot be trusted with that. You mean make a purchase? Yeah. You cannot be trusted with that. You do not know how to manage that. You cannot be trusted with a debt now for a single second of your life. Look at you. I, because they allow you to spend. You're just. Oh my gosh. Me, dude. I just. Oh, I just. My, my ladies and gentlemen, little introduction into my brain right now. A little insight. I am blown away. What a creation this show has been over two and a half years. I am blown away. I am thankful that you're on here, and I want you to get better, and I want you to join our average $10,100, $10,500 paid off in 10 months from past guests or 11 months. I want that. I want that to happen to you. But I ain't blown away. I had no idea walking around that just random people, your random neighbors, your random family, people in the street, all of these people, there is so many of them that are like this. Not as an insult, I'm just like, blown away that my finances were, and I got them corrected, but I never had the mindset you have because you understand. They didn't even realize what was happening. Once I did, I fixed it. I just don't get it. I don't get it, and it just blows my mind. This show has been just the ultimate ex. I'm not ending it. I'm not. I sound like I'm ending it. I'm not, but it, this has been like the most crazy wakeup call. Crazy wakeup call. And you applied from the audience? Yeah. Yeah. Yes. So you watch the show? Yeah. This blows my mind. That's where 98%. I think come. I think actually 100% these days come from the audience. This is blows my mind. Okay, another monthly payment, $27. Oh, so so many transactions on which one? Amazon. Oh, no, Apple. Sorry. Apple. Okay. Tender. There it is. I got that refunded though. Tinder. More Apple. Bill. PayPal. Voodoo. Um, yeah, that was probably a movie for like my son to watch. Affirm. Tinder. Three Tinder purchases. Yeah. I, I was kind of crazy. Yes, I would say so. You did actually were right in the end about your assumptions, but you did also kind of act crazy. My fake accounts kept getting banned, so like had to make. Well, no, fair enough. And I had to make two more to like actually find them on there. So, so as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Neso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills about landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course, linked in the description, to explore your options, and when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. Were you using other people's pictures? They were kind of like stock images. Other people's pictures? Yeah. Netflix. The Lash Lounge. The Lash Lounge. Yeah, they look like eyelashes. I don't know. Do they look good? Um, no. I don't know what counts as good lashes. They look kind of clumped up in like areas. Oh, really? Well, they look like there's like, it looks like there's like five big clumps like horns, but maybe that's what good. Let Lindsay, can you tell me? I don't look at eyelashes. Her lashes look beautiful. Complimented her before we started. Okay, your lashes look good. I, I don't know what good lashes look like. That's not something I look at for people. Yeah, well, it's on your eyes, so it's like the main thing that you're like looking at. Please. What I look at everyone's feet first. Oh, kid. I couldn't tell where I wanted to take that. Yeah. $400 dollars spent in that month. That's crazy, dude. On just Apple. Just Apple. $229 of interest accrued this year so far. I don't see any fees, but I don't see a section for fees either. I have a problem with that card. You have a problem with every card. You miss. There is not one that doesn't have a problem. Do, if you don't, if you don't know that at this point, I'm deeply concerned. So you're saying like, if I were to just, if there was no missed payments, then there wouldn't be a problem? Not that there wouldn't be a problem, but your problems are exacerbated. M, yeah. Um, do you, you know what that word means? Yeah, like they're more extreme. Okay. Yes. Yeah. Wanted to make sure you didn't think I said like, M, no. Is that what you're thinking about? No, I just want to make sure you're able to understand the words. Okay. Yeah, now I got it. It's more extreme. Auto V. V. Drive. Drive. They let you drive. What do? What are you talking about? Okay, what's your car? Oh, oh, it's a 2012 Honda Accord. M. Mobile only has like 120,000 miles. Hold on, wait. Is this a lease? Wait, it's actually almost paid off. Yeah, it's kind of close. It's still two years away. I don't know what you're talking about. Almost paid off, but. Well, I'm planning on like trying to get it paid off sooner. Yes. While you spend double your income and the the monthly P. Don't make payments on anything else. I don't know what you're talking about, dude. It's only like $150 a month for my. Your plan's a joke though. My car payment's like really low. I get it, but you say I plan to, but there, that does not make sense with the rest of everything else we've looked at so far. I don't get how you get that. It's worth about $8,413 in its current condition. So you do have positive equity on this. Be the one thing I'm not freaking out about, other than it's like close to an 11% interest, which sucks. Mhm. You're likely halfway through that interest paying period where more is now going to principal, but even still, it's not great. It's not great, but you have positive equity. Yeah. How, how, how's it doing? It's fine. It's really great. 120,000. Okay. And you do maintenance? Yeah. When I got it, I actually, um, I put like $110,000 down. So what, when did you get it? Like three years ago. But I, for how much? I think it was kind of overpriced. It was like during that time where like all the cars were like super overpriced. Yeah, and I think it was like selling for like $16,000 maybe, and then I put $10,000 down and financed like $6,000. Yeah, majority is by far going to principal today. 113, and then 30 goes to interest. So you're in the good half of this loan. Okay. Still not fantastic having a minimum three payment for someone that can't do minimum three payments. I can do them. Stop the C. [Music] I would say we like nine missed payments this year or something. And if I could see in this car, if you were ever late or missed like, I, I don't know if I'm able to look him back in time. That one's actually on autopay. That one is on autopay. Good. But I, what if like you had one that bounced? Well, then I would just use nine. Well, if you didn't have enough in Earnin. Um, okay. City Double Cash. I actually quite like this card. Oh, you're abusing it. Well, it's abusing you now. Actually, I think that one got. I think that one got closed. Why? For why? Oh, wait. Closed or sent to collections? No, no, just closed. Like they, they closed the account. Good. Good. Cuz guess what? Uh oh. Late fees. Who would have thought? Minimum payment usually 107, but you're behind by two. Behind by two? Yes. Yeah. Um, the, like I said, the last couple of months have been kind of bad. Like that's when everything really. He was never paying for rent. He spent a couple hundred bucks on dating apps and VPNs and texting things. But what got so bad? He didn't pay for anything. He sometimes he would like, he would just be kind of inconsistent. Well, not. You're changing your damn story. No, okay. So he would do like certain things that kind of helped out, but it wasn't like directly paying rent, if that makes sense. Like he would buy food, but I would pay the rent. Or he would. Okay. Interest accruing fees accruing. $2,600. Three takes 10 years to pay off. Only the minimum payment. Late fee. There it is. Total fees charged this year so far. Looks like you've had about three late fees. We're out to 12 late fees. How many months are there in a year? 12. Oh, you also have like advance purchases as well. What cash advance purchases? Huh? Cash advance purchases where I took money out of the credit card. Yes. That or you had that pull into your checking account to prevent a, uh, bounce that might draw, which is also horrendous. Yeah. Um, sick, dude. Crazy. Can't you? Do you realize just where you've gotten your life? Like this is such a scary. My life is great. I'm happy. I'm buying my happiness. No, no, no, no. And I'm still making sure things are getting paid. Maybe they're late, but they're still getting paid. You're, you're delusional. You're not happy. You're delusional. I probably am delusional. You are delusional. Have you heard this conversation so far from you? Um, from my ex? Yeah, he said the same thing about me. $529 and 84 cents owed on. Let's call this one what? The Klarna 2. I don't know. It doesn't matter. Oh God. Yeah. Oh my God. Is that say? Is that say NFL? Yes, I bought him like a $300 like NFL hoodie, but I did return. Was it refunded? Yes, it was. Okay. What do you owe on this now? Um, can I look at it right now? Yes. Okay. So I'm sure you whacked it back up. What does it say on there? Just tell me the thing. 800. [Music] 800. You're right. You didn't rack it back up. You're nearly doubled it. You don't know anything. You don't know anything. This conversation is mind-blowing. This conversation is literally mind-blowing. You said 890. Um, yes. 800. What's your payment minimum? My payment minimum on Klarna? Yeah, the one you just pulled up. Dude, it, it depends on which purchase that you're talking about. All of them. Um, okay. So in the next 7 days, it's $30, and then in January, it's $500. There's like four Sephora purchases on here. What are you getting? And then there's like some. I like to buy things for my son. So far, not in the purchases. No, like that's. I saw one like pajama set for him. Other than that, it's all for mommy. No, that's what I was going to say. Next, it's a Kids Foot Locker. Yeah, not the expensive one though. Is it? Uh, it was like $100. Yeah, so that's not the $500 payment. No, no, no. $500 is like the total of everything, everything owed. Yeah, the the minimum payment. No, no, no. That's just how many minimum pay. That's what all the minimum payments equal in. Yeah, sorry. 500. Mhm. Oh, lady. Sephora. Sephora. Sephora. My Verizon card. I used to at Verizon. It was a good back then. H, it was like good for me back then, but how? Again, you're not a reliable narrator about any of this. Um, how is it good? Well, okay, you know what the word good means in action? Not good, but it gave me like. Yeah, there you go. Benefits to my job when I worked there. So the job was good. Yeah, you're talking about the card. Okay. $539.14 with a $30 minimum payment. Takes 15 months to pay off. Interest was $419. Yeah. Total interest paid $114. Surprisingly no late fees on this card this year so far. The, the first one, by the way, that that is true. One you did one out of one, two, three, four, five, six, seven, eight, nine, 10. One over 30% interest. Is that all your debt? Yeah, that's it. My phone is financed, but I'm sure it is. Cash App. Okay, three in, uh, 310 out. Let's see. Transferring, transferring from people. Artisan Nail Lounge. You do nails every second of your life. More Artisan Nail Lounge. And then V or cash. 40 bucks. Stuff on Amazon to do it myself. The nails. The press-ons that you saw. Yeah. And then you didn't do it because are not wearing them. Yeah. Um, well, but these are just short. So they didn't do this at the salon. I did it. Where's all this cash going to? Who and why and where? Um, on Cash App. Well, okay, my, sometimes my, my dad cash apps me. I don't. I think I receive more than I send. Where are you sending it to? I don't think I've sent any on Cash App. We had some money being sent. It was about at least 40. Does it show you the name? We blacked it for privacy reasons. I cannot see. Do you want me to check? No, it's fine. I just was hoping you could be able to tell me something, but it's beyond clear. Hour 20 minutes in that you are unable to do that. It was probably my sister. $735 in your checking account. Why? Your sister? What? Oh, my sister. Um, I don't remember what it was for, but I think she just needed to borrow some money. Did she pay it? Did she pay me back? Um, no. I told her it was fine. Sister, like sister. Sephora. Going in and getting some from Circle K. Amazon. Amazon. Amazon. Hollister. Macy's. Sephora. Sephora. Steve Madden. Going and getting some BS. Amazon. Starbucks. Cash App out. 30 bucks. There. Oh, well, no, actually, that's the Artisan and Scooter coffee. Okay. Yeah, the, the it was probably to the nail salon. No, that one was. Okay. Afterpay. McDonald's. Target. Amazon Prime. Uh, I don't know if that was video or just Amazon. And then Amazon. Sephora. Apple Cash sent out. Starbucks. Sephora. You're really going to. To be fair, me? Yeah, we just went through Christmas, and a lot of that Sephora stuff was also from. You can't afford Christmas. You can't afford your bills. Christmas is not an entitlement. Oh, oh, good. Twixie transaction on your main checking account. Twixie to buy Instagram followers. Not for me. I did like one of those pranks that where you like buy your ex like a thousand followers to make it look like they bought themselves followers. That classic prank that everyone knows. Have you guys? Is this just me? I'm. You got him. He deleted his Instagram after that. Oh, actually. Mhm. Cash App. Starbucks. Sephora. McDonald's. Klarna. Baskin Robbins or Dunkin Donuts. Venmo. Out. 21 bucks. Sephora. Hollister. Amazon. McDonald's. Prime Video. Bailey Hardwick. Uber trip. Apple Cash sent out. Oh my. This really just keeps going, doesn't it? Doesn't it? Doesn't it? Oh, good. Oh, wonderful. Oh, good. Nothing like a good overdraft fee. Nothing like overdrafting on a checking account. Not even your checking account. Not even your checking account can be good. Literally, not one account is allowed to be without just absolute. Usually that never happens. I don't give a f. It happens. Usually. Yeah, usually I never murder someone that doesn't get me out of a murder. Can I explain? Okay, sure. Try. When me and my ex broke up, I was like, really. Always comes back to X. Guess what, guys? We're not responsible for anything. I was really depressed, and I kind of just didn't care about about like everything for a while, and I like didn't check like my. Talk to the damn therapists at S mine. They're great. Use your free sessions. I think these are cheaper than therapy. These purchases. I think free therapy is pretty cheap. Free? Do you hear words? I don't know. I feel like I don't really. Maybe it would be. I haven't tried it. Maybe it would be good. Buddy, you're, you're, you're a lost cause. Coach. Oh, like Bag Coach. Mhm. Great. I'm sure you didn't have any bags. Went in and got some BS and TJ Maxx. Great. Man, this is. Let's get your budget. Let's figure out your minimum monthly debt payments. Kill me now. Once you, I'm going to get your, your, I'm going to get what your minimum payments are on the cards. Once you catch up, okay? Once you catch up on them, instead of owing that big back crap. Even when you catch up, your total minimum of payments, it's a third of your income. So, thousand. About a fourth after child support and everything. $1,47.81. Okay. What's your rent? My rent is 1350. He, utility. Let's get gas. Gas and electric. Um, for utilities. Um, that would be like six. All my company, like groups, everything together. Company rental company. Okay, so they group like the rent with the utilities. So utilities is included in the 1300? No, no, no. It's not. Okay. What is? How much are your utilities? Lady, lady, lady. Utilities number. 200. Is that including internet? No. How much for internet? $40 a month. Gas. Vroom, vroom. Drive, drive. $80 a month. Car insurance. 150. TP fun. Anything else you need to survive? Going to do $200 for you and your kid. Necessary food. You and your kid. 500 bucks. Use the meal plan. Meal prep. He's not going to be very happy. I don't give a. He's going to eat his food. He's really picky. You got to make it work. Again, talk to the therapist about it. The fact is, you just can't afford. And you got to meal prep. Make his favorite foods. Meal prep his favorite foods, but you just got to meal prep a couple days a week. It's the only way to do it. You can do it at 500 bucks. Medical. Anything medical? Healthcare on a monthly basis? Um, no. It's already taken out of my check. I know, but do you got prescriptions or anything? No. Gym? Not yet, but I want to start. Okay. I'll give you, uh, 40 bucks. Okay. It should be fine. I'm not going to have any subscriptions for. Do you have any pets? No. Thank F. Any other payments that I have not taken into account that need to be in your budget? Um, my, the child care. No, that needs to be an expense. Dude, expense in your budget. Do you know what a budget is? Yeah, I'm saying include the child care into your income. No. Oh, sorry, sorry, sorry. Child care. So like after school care, pre. Okay. How much? It's $50 a week. That's not bad. 200 bucks a month. Mhm. Okay. $3,757.81. And then with your average income on an average month with the child support, we're at about $4,114 net. Mhm. Good. Okay. So with the $356 left over on a monthly basis, first order of business is to get caught up on all the minimum the payments. So that has to do with your Quicksilver card, your, uh, and your Double Cash. Once you're caught up on those, then we prioritize. Let's just do snowball to keep you prioritized. Smallest balance to largest balance. Smallest balance to largest balance. I actually did just pay off one credit card. Which one? It was a. Oh, so one I don't even have. Yeah. Okay. I didn't include that one. Great. Well, we're behind on payments, so. But okay, cool. Very good. Well, how much was it that you paid off? Um, the balance on that one was pretty low, so I like kept making payments toward it, and it was like, okay. Smallest. After you catch up in your payments, after about two months, okay? Mhm. And everything's back to just normal minimum thees. You're going to smallest to largest. This should take three years. Okay. But so I'll be 30. Mhm. I feel like that's a good place to be. You did math on your own? No, I'm just excited. No, no, I'm kidding. I'm sorry. I'm being a dick. I'm thirsty. Whatever. The hangry version of. You know why don't you just rub that in my face? Yeah, 3 years, but you can boost that. Continual raises, obviously. And if you get like a part-time job, maybe some customer service from home, you know, call center stuff, if you're able to do some stuff in the evening, once you put the kid asleep, even work just a few hours, whatever it might be, or just email support. We pay customer support representative for our classes and stuff like that. And she's remote, and you know, she's just going through our emails. So anything you can pick up, dude, literally, if you're bringing an extra $356 a month and you double this process, you make it a year and a half instead of three. And all you have to do is bring in an extra $36 a month. I think that's worth it, isn't it? It is worth it. Yeah. Bring an extra thousand. Let's get this over in a year, then get a fully funded six-month emergency fund. That's critical for you in your position as a single mom. So you need to get a six-month emergency fund. Everything you need to survive six months or $10,000, whichever one is higher. That's the step I would try to go. Get a little more money. I'm not saying leave your job, but let's try to get this taken care of in a year and a half. Get a fully funded emergency fund. Pay off all our bad debt by two years. Two years total. Then you're going to contribute 20% to retirement until you die. Well, until you retire. 20% on a monthly basis to my 401k or like different. Honestly, it might be easier for you to just. Yes, call it your 401k. 20%. Okay. Let's leave it there. You can go through the investing class and the budgeting class and the debt class, so you get all the education around this. Take all the quizzes. You guys get it for 15% off all, all bundled together, by the way. Highly recommend it. Tens of thousands of people have taken it. So make sure you go through that, and that'll help with that. But as we do follow-ups on the financial audit follow-up channel along the way, I'll, I'll, I'll help lead you through that process once we get there. Okay? Okay. That's what you have to do. Now it's time to grow up and take control. And if not for you, for your kid, at the very least. Yeah. Stick around for the post show, guys. Join our YouTube membership. It really helps this channel. We're going to call the X. It's going to be a juicy one. It's going to be such a good post show. I'm so excited. I'm scared. I'm scared too. See you guys in the post show. Oh, Hammer Financial score. Let's do that as well. You said you're zero out of 10. That sounds about right. But Hammer Financial. [Music] Score. Spending. A budget. You overspend. Zero out of 10. Debt. Yeah, with that insurance thing that's going to count as collection. I'll give you as one out of 10, though. Emergency fund. Nothing in savings. Zero out of 10. Retirement. Barely got it started. I'm going to say about a two out of 10. Real estate. Zero out of 10. It's going to be a Hammer Financial score. Rounded up just barely. You barely got over 5, but oh my God. Rounded up. One out of 10. One. Okay. See you guys in the post show. It'll be a good one. Join. Link in the description below. He stole. Should I tell the police? I want to confront this mother. Cheating, stealing. She sucked his in the back of a car. You know this happened. She messaged me. Oh, all right. Pull up your phone. I want to confront this mother. Why would you cheat on such a lovely person? How many other women did you sleep with? Who to watch the financial audit post show? Click the join button below.