Goth Freak Is A Wannabe E-Girl | Financial Audit

Summary

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Financial Audit Podcast Episode Summary

Episode: Goth Freak Is A Wannabe E-Girl | Financial Audit

Host: Caleb Hammer
Guest: Monica (pseudonym)
Date: March 17, 2025

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Episode Overview

In this episode, Caleb Hammer conducts a financial audit for Monica, a 23-year-old from Hartford, Connecticut, who describes herself as a "goth on financial audit." Monica shares her tumultuous journey through jobs in tattooing, security, and content creation, while grappling with debt, a major failed business venture, and inconsistent budgeting. The discussion dives into personal finance red flags, the perils of mixing business and friendship, and the urgent need for self-sufficiency as an adult.

The episode is a blend of blunt assessment, hard truths, and moments of levity as Caleb attempts to bring Monica to financial reality, using his signature direct tone.

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Key Discussion Points & Insights

Monica’s Background, Jobs, and Income

• Tattooing & Apprenticeship:
  Monica left tattooing after bad apprenticeship experiences, citing predatory shop owners and a toxic environment.

  “The owner was kind of...I definitely would say he’s a predator, in my opinion.” – Monica [04:05]

• Transition to Security Work:
  Currently works security at Target ($19/hr, ~39 hrs/week, $2,500 take-home per month), previously at an amusement park and a bank ($24/hr) but left both due to job dissatisfaction.
• Financial Misinformation and Lack of Budgeting:
  Monica was drastically unaware of her actual spending, initially estimating $600/month, but actually spending over $6,000.

  “How are you so far off?...That is crazy.” – Caleb [11:16]

Tattoo Industry Experience & Impact

• Workplace Misconduct:
  Monica recounted widespread misconduct and abuse of power in tattoo shops, including being pressured for sexual favors in exchange for apprenticeship hours.

  “He would want to exclusively kinda do apprenticeships for girls and then...‘you want these hours, you have to do something for me.’” – Monica [04:26]

• Barriers to Career Mobility:
  Required apprenticeship hours don’t transfer between shops, even if leaving abusive environments.

Major Financial Disaster: The Failed Tattoo Shop Venture

• The Loan:
  Monica took a $19,000 loan at 13% interest to help “friends” renovate a hair salon into a tattoo shop based only on verbal agreements; she has no formal contract, making her solely liable for the debt.

  “When money gets involved, always get a contract going. Always get a legal contract…” – Caleb [22:51]

• Broken Promises:
  Supposed business partners failed to repay her as promised, leading to fractured relationships and sporadic, insufficient payments.
• Avoiding Confrontation:
  Monica is scared to confront her older business partners, further stalling repayments and leaving her in financial jeopardy.

  “It’s hard to try to resolve things amicably and contact, but people aren't responding… I'm not like a police officer. I can't go and force people." – Monica [37:56]

Spending Habits and Debt Breakdown

• Credit Card Usage:
  Uses multiple credit cards (Target, Amazon, Built, Chase) with balances carrying over, especially on the Built card (used to pay rent).
• Overspending:
  Heavy discretionary purchases including makeup, gaming equipment, and “sweet treats” like press-on nails or limited edition Hello Kitty items.

  “$965 is what you spent...that is almost what came in last month, and you added that to a credit card you can’t pay off while you’re negative in a checking account.” – Caleb [52:11]

• 401k Cash-Out for a Gaming PC:
  Monica cashed out her $3,000 401k from a previous job to fund a PC, desk, monitors, and gaming accessories to support her move from TikTok to YouTube.

  “That $3,000 would have been like $25,000…Why did you possibly pull it out?” – Caleb [66:14] “To buy a PC.” – Monica [66:40]

• Current Debt:
  • $19,000 personal loan
  • $9,800 car loan (with ~10% interest)
  • Built card with growing balance
  • Target, Amazon, Chase cards (Target card sometimes paid monthly, others carry balances)
• Living with Boyfriend, Supported by Mom:
  Monica splits $1,550 rent, pays some for gas, insurance, and therapy; boyfriend covers internet, mom covers phone, some pet and healthcare expenses.

Attitude, Mindset, and Self-Awareness

• Financial Naivete and Dependency:
  Monica admits she’s never really been responsible for herself financially, having always been bailed out by her mom or boyfriend.

  “You're mama’s little girl. And you are also taken care by the boyfriend. You're just taken care of by people…You’re a child.” – Caleb [77:45]

• Avoidance of Discomfort:
  She avoids difficult conversations or confronting those who owe her money, repeatedly delaying action.
• Self-Described Limitations:
  Notes that she’s “a little slow” to process things, according to her therapist, but still expresses a desire to learn how to improve her financial situation.
• Hopeful Aspirations (Disconnected from Reality):
  Monica wants to own a house, start a family, and move into social media full-time, despite poor financial standing and ongoing debt.

  “You want to start a family and pursue social media? Yeah. No. You’re not in a position for either of those things.” – Caleb [70:06]

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Notable Quotes & Memorable Moments

• On Leaving Tattooing:

  “A lot of people in the tattoo industry start off tattooing in jail…there’s a lot of shady characters.” – Monica [03:51]

• On the Failed Shop:

  “You verbally agree to split it 33.33%...but the only person who wasn't making payments was me, because I'd taken the money out for them…” – Monica [22:25] “When money gets involved, always get a contract going. Always get a legal contract going.” – Caleb [22:51]

• On Inability to Budget:

  “That loses $1,000 maybe...You are off. It was 10 times higher than you said. 10 times higher.” – Caleb [11:48]

• On Spending vs. Income:

  “You spend $5,000 more than you made...That’s not girl math. That’s stupid.” – Caleb [62:48]

• On Cashing Out Retirement:

  “You withdrew it all?” – Caleb [66:14]
  “Yeah.” – Monica [66:14] “Why did you possibly pull it out?” – Caleb
  “To buy a PC.” – Monica

• On Dependency:

  “You are mama’s little girl. And you are also taken care of by the boyfriend…You’re a child.” – Caleb [77:45]

• On Relationship Prospects:

  "He told me that even if he tries to give me things that I should do, that it’s hard to get me to listen because I'm stubborn.” – Monica [46:37]

• On Business Partners:

  “I just trusted them as friends, that’s all. I didn’t think I needed to [get a contract].” – Monica [22:47]

• On Biological Clock (Family Planning):

  “There’s a biological limit for like, when you can have kids.” – Monica [79:36]
  “Yeah, but...we live in 2025. It’s not 1802.” – Caleb [79:45]

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Timestamps for Key Segments

• Tattoo Industry Challenges: 03:00–08:30
• Failed Shop Loan & No Contract: 17:00–37:00
• Spending & Credit Card Habits: 43:00–55:00
• 401k Cash-Out for Gaming PC: 65:41–66:54
• Relationship & Family Planning: 46:29, 79:36–79:56
• Budget Breakdown & Caleb's Assessment: 75:17–77:45
• Root Problems (Enabling, Dependency): 77:45–78:20
• Final Hammer Financial Score: 79:36–80:14

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Host's Final Assessment & Recommendations

• Spending: “0/10” – Monica is spending far above her means.
• Debt: “2/10” – The overall debt is not catastrophic in absolute terms, but disastrous for her income and situation.
• Emergency Fund, Retirement, Real Estate: “0/10” – No meaningful savings or investments; depleted retirement fund.
• Conclusion:
  Monica must (1) drastically cut spending, (2) aggressively pay down debt (especially the personal loan), (3) secure more stable income (work more hours if possible), (4) stop enabling dependency, and (5) avoid further financial entanglement with unreliable parties.
• Quote:

  “You need to go work 60 hours a week...And then start paying off your debt pretty aggressively. Make sure your friends pay for this debt...You just need to grow the f— up.” – Caleb [78:32]

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Tone & Audience Takeaway

Caleb’s trademark mix of humor, exasperation, and tough love is on display. Monica’s case offers a cautionary tale about the real costs of financial naivete, failing to build boundaries, and relying on others to manage adulthood.

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For listeners:
This episode is a vivid, at times frustrating, journey through financial mismanagement, the perils of avoiding contracts, and the importance of personal accountability. It’s both a warning and a call to action for young adults navigating independence for the first time.

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Transcript

[A]

To watch episodes of financial audit a week earlier. Check us out on YouTube.

[B]

It used to be a little tiktoker, but now I'm trying to move to YouTube.

[A]

Hold on. A 401k to do this?

[B]

I did buy a new desk.

[A]

And he's okay with this? A potential fiance? She's okay with a financial disaster on the other side.

[B]

Well, probably because he wants me to.

[A]

Have his babies, but he's going to destroy himself.

[B]

Well, look at me.

[A]

Download my new simpler budget app today and take control of your money once and for all.

[B]

Hello, my name is Monica. I am 23 years old. I am from Hartford, Connecticut, and this is a goth on financial audit.

[A]

Goth on financial audit?

[B]

Yeah.

[A]

Okay, well, what does a goth on financial audit do for a living up in Hartford, Connecticut?

[B]

So I was originally doing tattooing, but now I just work full time. Security.

[A]

Okay, I don't see any tattoos. Most tattoo people we have on here are, like, heavy tattooed.

[B]

Believe it or not, I do security.

[A]

What kind of security? Not physical security.

[B]

No, just like, asset protection and, like, theme park security.

[A]

Just stopping people from bringing in, like, a weapon. So you're not stopping. How tall are you?

[B]

I'm like five foot two. I.

[A]

Okay, you're not stopping anyone.

[B]

I, trust me, I get stuff. I. I definitely get stuff done. 100%.

[A]

Okay, how much do you make doing security? What are the hours for that?

[B]

So technically, I'm employed with two different places. One of them is an amusement park, and then right now it's just Target. Since the amusement park is currently closed, I'm exclusively working at Target.

[A]

Target?

[B]

Well, yes, again, who are you stopping?

[A]

Okay, so how much do you make in this Target?

[B]

So starting is 19 an hour, and I get 40 hours. But they always make sure it's a little under. So, like, 39, 99.

[A]

Connecticut's not cheap. Yeah, 19 bucks an hour.

[B]

I was working another job with another company. It was 24 an hour at a bank, But I really hated working there, so I quit.

[A]

When did you transition to this? You said you. You mentioned tattooing. So what, did you just stop tattooing?

[B]

Um, so I just stopped. I just. It was.

[A]

Why'd you stop tattooing?

[B]

The industry is kind of messy. Like, it's. I don't like what.

[A]

We have a lot of tattoo artists on. What were you making more?

[B]

Um, I think you can make quite a lot.

[A]

Why'd you stop? Why move careers?

[B]

Um, so when you're a tattoo artist, you have to do an apprenticeship. An apprenticeship is awful. Like, it's like the worst experience you can probably participate in.

[A]

Well, isn't that kind of like a student intern after teaching or going through. Well, what's wrong with the apprenticeship?

[B]

So kind of like an internship or.

[A]

Anything you have to. It is required. It is legally required, or it's not.

[B]

Legally required, but it's what you have to.

[A]

Industry standard.

[B]

Yes.

[A]

Okay, so how long is that?

[B]

So depending on the state, it could be 2000 hours or more. So every state is different. So a tattoo artist that is already licensed has to sign off on those hours.

[A]

50 weeks. That doesn't make any sense. If it's 40 hours a week. 2,000 hours, 50 weeks.

[B]

Yeah, it's like more like a year. Yeah. Yeah, basically.

[A]

Okay, so a year of your life for a higher income. So we've had people that make bank on the show doing tattooing. Why do we give that up? To make 19 bucks an hour in a very expensive state.

[B]

So basically, when you go from one shop to another, those hours do not transfer over. So if you're having a bad experience at one place, if you go somewhere else, it does not carry over.

[A]

It was a bad experience, though. Just hard work. No, that's what a lot of people deal with.

[B]

No, no, no. A lot of people in the tattoo artist, like, tattoo industry start off tattooing in jail. So there's a lot of, like, shady characters in the tattoo industry.

[A]

It's not all trying to get you to sell, Ma. I know.

[B]

Well, so there was basically when I first started, I was working at a tattoo shop that was in a mall, and the owner was kind of. I would. I definitely would say he's a predator, in my opinion.

[A]

Oh, my goodness.

[B]

100%.

[A]

So what I was thinking violence.

[B]

Well, that too. But every shop.

[A]

What do you mean?

[B]

So he would want to exclusively kind of do apprenticeships for girls and then kind of hit you with, you want these hours, you have to do something for me. Oh, yeah, One of those. Yes, yes, yes, yes.

[A]

The diddle diddle.

[B]

Yeah. And then.

[A]

And he. He propositioned that to you?

[B]

He didn't get that far. Only because I. I left.

[A]

That's crazy. Sorry. Go on.

[B]

No, no, sorry. So he would just say a lot of, like, explicit, like, things to me. Like, you're like, oh, you've never. You've never seen it before. Do you want to come in the bathroom with me and see mine?

[A]

From a boss?

[B]

Yeah.

[A]

Sue his ass.

[B]

Somebody said I should go to the news about it, but I.

[A]

The news. Get money off the news. That's not going to do anything to him.

[B]

I guess that stuff is hard to prove, though, because it's like he said, she said.

[A]

Yeah, but you're saying if you said predator, that essentially means, to me, ongoing behavior, Wouldn't there be, like, mountains of employees?

[B]

Oh, yeah. He does have a bad reputation. Like, people know of him because of that.

[A]

See this, ladies and gentlemen, in the world of Twitter, sphere and Reddit and is what is actually an abuse of power dynamics. People throw around the word power dynamics all the time, and it's so stupid. No, the only bad thing about power dynamics is someone. When someone abuses it and saying, you can't make money here unless you did on my ding. And that is bad. That is bad. Didn't you get fired? And I want you to get money from him. Him.

[B]

I know what he would do as well, because technically he's a piercer too, because some shop owners are tattoo artists. They're also piercers. So sometimes. Well, I would say a lot of time when girls would come in and they would want, like, inappropriate, not inappropriately private piercings, like nipple piercings or genital piercing, he would lie and see there was no one else available. So he.

[A]

And there was other people available.

[B]

Yes, there was girls there.

[A]

Okay. Poke the tits.

[B]

Mm. Right.

[A]

Okay. So you couldn't take the hours and move to somewhere else. How many hours did you have at that place?

[B]

I think I was there for almost a year. I've been. I've been hopping around shops there for almost a year.

[A]

Yeah, if you were. That should have been about the 50 hours. And then you could have moved on and done it. Done your own thing.

[B]

Yeah, but he has to sign off.

[A]

On it and he wouldn't have. Unless.

[B]

Of course not. Yeah.

[A]

Are you serious?

[B]

Yeah.

[A]

You know, for. That's crazy because he.

[B]

He had a sugar baby there, actually.

[A]

What do you mean? Was it an employee?

[B]

Yes, she was another apprentice. And I would say sugar baby. I think she was okay with doing favors for him, for him buying her stuff.

[A]

So, I mean, I mean, that's just. That's. I tend to be a consensual. Adults can do whatever the. But if it becomes a workplace where someone can literally fire you for not doing that or something, that's is obviously where it's just a no go and that's just. Even if she was okay with it, that is dramatically inappropriate.

[B]

Yeah. I think she was like 19. He's like. I think he's like close to 50, I feel.

[A]

Yeah. Yeah. Well, I think the other part would be illegal. Him utilizing his power, like. Yeah. It's considered weird and, you know, whatever. But like, the other thing is actually what's bad, you know, the age difference. You know, it's weird, but the leveraging his work. Power over people. That shit's illegal.

[B]

Yeah, I. I don't know. I was just. It's just scary because at the time I think I was.

[A]

So. So why don't you transfer to someone else without a creep?

[B]

I try to. So originally I was actually at a really good shop before COVID but that shop got shut down, so then I was forced to go to these, like, shady places.

[A]

Well, yeah, but it's not. It hasn't been Covid for a long time.

[B]

Well, yeah, there's.

[A]

There's other places, aren't there? I'm sure there's lots of small shit.

[B]

I would have to count. So I've been to the one in the mall and the one in the.

[A]

Okay. So how long have you been doing security now? Because not much can be hitting your account.

[B]

The same. I've been doing it at the same time as. Basically from 2020 when I was doing the apprenticeships and security at the same time. Because when you're kind of apprenticing, you still need like a job because you're not making any money.

[A]

I can't even. Payroll. Payroll that came in was only 1146oo.

[B]

Yeah, I think, like, what the am I looking at?

[A]

There's. I mean, there's cash apps and PayPal and Venmo, and a lot of payroll was 1:46. So what. What's going on? There's fidelity disbursement. But what the. Why was payroll so low if you're getting basically 40 hours a week? That math sign I didn't have said eight, 19 bucks an hour said.

[B]

Yeah, it's 19 an hour.

[A]

19. You said like 38, 39 hours a week. Yeah, I mean, come on, just. And you wouldn't be in it. You're not in a high tax bracket or anything. But even still, I'd assume you'd bring home like at least 2,500. 2,300.

[B]

Yeah, I think. I think around that month I might have been training. So I just got that job in November. So I'm. Because the amusement park job, like, I didn't get the promotion I wanted, so I had to look for another job.

[A]

So what has your account normally? What can we expect?

[B]

I typically like 2 to 3,000amonth, I feel.

[A]

Makes sense. That doesn't really make sense after taxes, with the hours you're getting that you're saying I'll put 2,500.

[B]

Yeah, but.

[A]

Okay, 2500. So we know on the income scale what came in. Obviously, there were cash apps and some fidelity thing that I'm sure we'll talk about. Yeah, but how much was spent? What was your total spending?

[B]

I don't know. I definitely spent a lot of my income. I would definitely say.

[A]

Yeah. How much did you spend?

[B]

I probably most of it goes to, like, bills, but I think I kind of have a bad habit of spending a lot because I work at a store, so I would say probably, like, half of that. Probably.

[A]

So 1,100 came in. You think you spent 600?

[B]

Yeah.

[A]

You had me on my. On you. You had. You were on. I was on your side so far because you were in, like, this sounds like a boss that you had a weirdo. But you're losing me here. You think you spent 600. You literally spent 10 times that. $6,228. What the are you talking about?

[B]

I thought I said more than. Yeah, I thought it was half. Sorry, half of what?

[A]

Your income?

[B]

Yeah.

[A]

How are you so far off? How. How do you not know spending 10 times. Listen, I get when someone says they spent 5,000 and they spent six. Okay, but you said you spent 600 and you spent 6,000. How the pos. How are we so far? How are we so far? That is crazy.

[B]

I think probably because I don't budget at all. I don't do budgeting, and I don't really track.

[A]

That's that. Listen, no one that comes on the show does budgeting. But again, that loses $1,000 maybe. Or maybe, like, 25%. You are off. It was 10 times higher than you said. 10 times higher. That's not something that's. I don't budget. Like, how are you unaware that you. How do you possibly think you only spent 600? How about that? Let's go there. How is your mind in a place right now where you think you only spent $600?

[B]

I do have a lot of credit cards, so sometimes that spending can get a little forgotten about.

[A]

Why not even forgot about. But you're able to at least assess like, you spend $600. $600. It's not insignificant money, but in terms of a monthly amount that an American would spend, that's kind of small. There's no way. I'm sure your rent is at least that.

[B]

My rent is 1,550, so there you go.

[A]

How do you think you only spent 600 if your rent's a thousand?

[B]

I think so. I I live with my boyfriend and sometimes he pays for a little bit.

[A]

Sometimes.

[B]

Yeah. Pays for a little bit more of the rent.

[A]

Did the boyfriend know about the creepy boss?

[B]

Yeah, he's.

[A]

Why didn't he go in and beat his. I would have.

[B]

Well, it'd be ideal to do that, but that's not always the best solutions to resort to violence.

[A]

I would have gone to the police, but. Okay, I. I don't know how he can be so far away. Listen, you're guests on the show, so you don't leave this. Do not go back to Connecticut and tell until you download our simpler budget app. We made this for people just like you. And for those with advanced finances as well. Or just trying to get to a better position. But you get the premium version for free. Everyone else, they get a free trial, but you get it free forever. So take it. The automatic connections, the community chat, all the things that are in there. Take advantage of it. No longer. Budgeting is no longer an option. This is not an option. Let's be real. If your private student loans have you eyeing a third job at the local taco stand, maybe it's time for a better plan. Y refi is your lifesaver in a sea of debt. Unlike the typical loan sharks who treat your credit score like a magical crystal ball, why refi cares if you actually want and can afford to to repay? So forget about jumping through hoops and start jumping for Joy at their under 6% interest rates. That's right, 6%. Less than 6%. Plus they've got a co signer release program so you can finally give your mom a break from your financial baggage. So consider it your early Mother's day or Father's Day gift. They also offer a structured repayment plan to lower your monthly bill. And personal reps who actually pick up the phone. It's no wonder why They've got a 4.6 star rating on Google. Apparently treating partners like humans actually works wonders. So if you're sick of interest rates that are so high they may as well charge you for oxygen. Y Refi is your shot of the real solution. No more losing sleep and no more ignoring the mountain of student loan statements on your kitchen table. Go to yrefy.com hammer that's yrefi.com hammer or call 888 yrefi78 that is 888 yrefi78 and get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. Okay, well, self Assessed. What do you think your financial score is today? 0 to 10?

[B]

I would say like a 4. 4 out of 10. I think a 4 out of 10. Still with a failing grade.

[A]

It is, I guess. But five's, like, right down the middle. But not even that. You thought you spent six. Spent 6200. Where?

[B]

I. I think it's a little bit of misunderstanding. I don't. I didn't mean to say 600. I think I meant to say, like a different number, but I'm still wrong. It doesn't matter. Been probably a little bit more than 600, but I'm.

[A]

It's still a little bit more than 600.

[B]

Yeah. Like. Like a thousand or two. Like 2,000. But.

[A]

Why is your phone not on? Do not disturb.

[B]

I'm sorry.

[A]

Did you watch the onboarding video?

[B]

Oh, I could put on. Sorry.

[A]

It's okay. Okay, well, if you want your Hammer Financial score, find out where you think you are today. You can go to caleb hammer.com or link in the description below. Take the quiz. If you figure out where your finances stand. And also if you want to come on the show, you have an interesting situation. We'd love to talk to you. You can come on down here to Austin, Texas. The onboarding process is pretty intense, but it lets you know exactly what you're getting into and it's a good time. So go to caleb hammer.com apply and we'd be happy to have you on here. Okay, let's start going into these documents. Okay. Santander.

[B]

It's a good bank.

[A]

Okay. It's good to know if I'm ever looking for a bank, I guess. Well, 18. This isn't a credit card. Okay, 18,000, because I was gonna say that'd be crazy. Sorry. $18,957.67 at a 13 interest rate. Okay. Your minimum payment is principals 2. $401.

[B]

Yeah.

[A]

That's crazy. For your income situation. That's impossible. For the amount of money that came in last month, I don't even know how you would have paid that. What is this?

[B]

Well. Well, the intention for that wasn't for me to be the one to pay that. That's why. So what's that mean?

[A]

What is this even for? What is this?

[B]

When I got my. Finally got my tattoo license because I am licensed now.

[A]

So you got it?

[B]

Yeah, I got my license.

[A]

Then why aren't you doing that?

[B]

So I was at one shop and I had to leave because one of the artists acted like he was gonna hit me in the face. So I left.

[A]

What the Is happening? Okay.

[B]

I don't know. So then I was planning to go with two other artists and open our own shop, because that is. You could easily.

[A]

My eyes are up here.

[B]

Sorry. You could easily make the money back into the money you invest if you hire more artists and then they pay you a percentage. But that just didn't work out the way I thought it would.

[A]

Well, what happened? So this was for that.

[B]

Yeah.

[A]

You borrowed a loan for the business. That didn't happen. So what happened?

[B]

I'm not sure what the state of it is right now, but I did take out a loan. Because it was this loan. Yes.

[A]

Before.

[B]

To make renovations on a hair salon. So then it can. No. Yeah.

[A]

What do you mean you don't know the state of it? What does that mean?

[B]

Because the key had been taken away from me and.

[A]

What. Okay, hold. Okay. What the Are you talking about? So make context here.

[B]

I can give you context. So there's already an established business. There was already a hair salon, and we were gonna. Because it has to be up to code for a tattoo shop. It has to have scenes and certain doors. You have to make those renovations.

[A]

And certain doors, like, escape doors?

[B]

No, no. Just. There's no.

[A]

That work there.

[B]

You have to separate certain parts. They can't be exposed to each other. And my. My. So then I was asked, like, hey, would you. Could you take out what's known. Sorry, let me backtrack. They had asked me, what's your highest, like, max on your cards? And I had said 5,000. They're like, Can't. They were basically asking me to max out two of my credit cards. And I said no.

[A]

For what? To do those renovations to get up to standard.

[B]

Okay. And I said no, Just two people from a previous shop, and we were gonna collaborate together to open our own shop.

[A]

And they were already asking you this before you, like, signed a lease or anything?

[B]

Yeah, I didn't. I didn't sign anything. I kind of made that gigantic mistake in signing any documentation or any contract even.

[A]

I don't even. Like, what. Did you even talk to the people who were. Who owned it? Was someone leasing the space.

[B]

So technically, it was. There is someone with the owner, and then someone's an owner. They have a business license. So.

[A]

Owner of what? The business that was in there or the property?

[B]

The business, not the property. They're renting.

[A]

Okay, so why did you have anything in place with the person, I guess, who was renting the. Like, sublease or whatever? What was even the process? So you were Talking about renovating with these two people before you even knew if you could be in the space. Nice.

[B]

Yeah, I just pretty. I just trusted them. So I figured that whatever they were saying to me, they were closer to them. I've known them for a few years.

[A]

But are they stupid?

[B]

I was expecting them to pay me back. They had made a promise that those be within a certain amount of time. And I just trust.

[A]

But are they stupid?

[B]

Maybe.

[A]

You don't know.

[B]

I don't want to speak like too ill of them because I don't care.

[A]

It depends on who you trust. There's people that I love, but if they're stupid, I'm not trusting them. To follow a business decision that they're laying out that would require going into debt.

[B]

I felt like I kind of owed them because one of them had given me my license. Like they sign off on my hours for me. And even though we were all co owners, I felt like I wasn't an owner. I was more like an employee.

[A]

Co owners?

[B]

Yeah.

[A]

You guys formed a business? No. You legally formed a business?

[B]

Not legally, just kind of word of mouth.

[A]

Okay, so word of mouth. Word of mouth to who?

[B]

Well, it's not word of mouth, more like verbal contract. And I've known them for a while. I just did whatever they needed me to do. Like one of them, I gave them a car. One of my old cars.

[A]

Are you talking about you just gave them a car?

[B]

Yeah, I. I felt bad.

[A]

You had an extra car.

[B]

It was my old car. I already gotten a new car. It was like my favorite.

[A]

You can afford a new car?

[B]

Well, I'm still paying it off. It's technically I'm. I have a loan. Car loan?

[A]

Uhuh. I'm sure. Okay, well, I'm sure we'll get into that. Okay, so you verbally agree to split at 33.33% of the way.

[B]

Yeah. So I. I wasn't. The only person who wasn't making payments was me. Because I taken the money out for them and they were supposed to make payments to me. The.

[A]

The original was the agreed upon term. I gotta know something here. I mean this. There's so many holes in this conversation.

[B]

Well, the original agreement, it was verbal. I can't say. Yeah, yeah.

[A]

Why?

[B]

I just. I trusted their. I trusted them as friends, that's all. I didn't think I needed to.

[A]

When money gets involved, always get a contract going. Always get a legal contract going.

[B]

They. So they had to like, oh, we can pay this off in a year, which is hard to do. The loan this.

[A]

Okay, so you didn't have an agreement to even be in the space. Correct.

[B]

I was supposed to be working in there, too, but.

[A]

Working in there? What is working in there? Like tattooing in a hair salon?

[B]

No, but we had to separate the part that was able to be.

[A]

Did the person who rented the space agree to that? Yes, they agreed to that. Did they get you on a sublease?

[B]

No.

[A]

Was there a conversation around getting you on the sublease?

[B]

I didn't know sublease was a thing.

[A]

Was there a conversation and getting any paperwork done for the space you were getting?

[B]

No.

[A]

Oh, my. Okay. Was the master landlord aware? The building owner?

[B]

I'm not sure, but I know we kind of made sure to have receipts back and forth.

[A]

Receipts? What receipts?

[B]

So when you're paying a percentage to the shop, they want a receipt that you paid a percentage of whatever you earned to them because you're.

[A]

Well, yeah, but that's not even close to what we're talking about.

[B]

No, no, no. I'm tying it in. I'm sorry. So then also receipts for the loan. Like me making sure I'm taking the money they're giving me and actually paying the loan off instead of using it for whatever. So I made sure to do receipts. But they weren't giving me One of.

[A]

The people that was supposed to pay you back for this loan, were they? The owner of the shop or was it just your business partners?

[B]

One person actually owns a business and. No, no, no.

[A]

The owner of the shop that you were separating in the different spaces. The hair salon. Yeah, yeah, yeah, that was one of them.

[B]

Yeah. She's also a tattoo artist, too.

[A]

Okay, so that was one of them.

[B]

That's correct.

[A]

Oh, okay, okay, okay. So you went to borrow a loan to do this.

[B]

Correct.

[A]

Did you have a contractor?

[B]

Yeah, because I went to the bank and we. I signed a contract.

[A]

A contractor to build it?

[B]

Oh, no, no, no, no, no.

[A]

The Was going to build it. You borrowed before you had an estimate.

[B]

I think they already had an estimate of $10,000.

[A]

From who?

[B]

I'm not sure. I wasn't.

[A]

No, no, no. Who had an estimate?

[B]

The. The owner of the business, technically.

[A]

Well, I thought you were a third owner. And I thought this was your responsibility. You took out the loan.

[B]

I'm talking about the person on paper.

[A]

Paper.

[B]

Not on paper, because there's only.

[A]

What paper? You said nothing was on paper.

[B]

No, I meant the only. Technically one person owns the tenant of the unit.

[A]

Look, you all know I love calling people out on their financial train wrecks. We've tackled credit cards, payday loans and more. But there's one giant moneymaker we've only scratched the surface on. Real estate.

[B]

I have five houses.

[A]

That's right, the buy a house, get rich game. That's if you play it right. You see, my own journey started in sales with tens of thousands of dollars in bad debt. I was that dude. But once I hustled my face off and wiped the state clean, I realized the real belt wielding power investing and real estate in particular. I saved for some years, put down on my first home, watched it grow in value, and then snowballed that equity into multiple rentals and ultimately the condo where I started filming these chaos filled audits you guys love. And that's why I'm thrilled to announce my brand new course, Master your real estate. I'm pouring everything I know into how I went from broke and basically mooching cheap rent to leveraging property appreciation, collecting rent checks and scaling up. And as a thank you for buying at launch, you'll be able to get the course at over 30% off through March 31st. And for the first 250 people who sign up, you'll get access to my exclusive Q and A where I deep dive into my real estate portfolio. So listen, this is the blueprint I wish I had when I was scraping by. My system will show you how to understand market cycles so you're not buying at the worst possible times. Spot a money pit versus a gem. Build a mini empire of rentals that send you a paycheck while you're napping. And I'll also show you stuff like the BRR or BRR method. Buy, rehab, rent, refinance, repeat commercial deals, plus the not so boring side of mortgages and home inspections. Basically all the do's and don'ts that could save you from a midnight roof collapse. There's no gimmicks, no rocket science, just real strategies I used to transform my net worth from zero to hundreds of thousands of dollars before I started this YouTube channel. So if you're ready to get the house of your dreams, finally wrap your head around mortgages and not get bamboozled. Learn how real estate can become your biggest wealth booster. Then master your real estate is your next move. Sign up for the course today, lock in that massive discount only through the end of this month and dive into the world of real estate investing. Seriously, real estate has changed my life and it can change yours too. Let's go make real estate your next big win. And remember, we always offer a 30 day money back guarantee. But we have the lowest refund rate in the industry for a reason. I bring the value. Check it out link in the description below.

[B]

Yeah, so the. Because they have to do the plumbing and to change the plumbing because you need to have. You need to wash your hands before tattooing. So you need.

[A]

Yeah.

[B]

And all that.

[A]

You didn't have sinks in a salon.

[B]

They need to be a certain kind. They can't be the ones that are meant to wash your hair.

[A]

Yeah, but what plumbing would change? You'd think that would be able to relatively be able to connect in with. With whatever you need.

[B]

Yeah, that's the. Originally asked for 10,000, which is still asked.

[A]

I keep hearing they's and thems. This isn't Twitter bios.

[B]

The other owners. So the other two people involved, they asked me like, hey, they asked you for. Because they had asked me originally to max out two of my credit cards.

[A]

And I said no because for the renovation specifically.

[B]

Correct.

[A]

Okay. So you took out a. I said. You said, wait, if you got a quote for 10,000 hours, why do I have an $18,957 loan here?

[B]

So they had set that amount, but then we went in to get pre approved. They came with me and they kind of spoke up and said, we actually want this amount.

[A]

Want? They said want? They didn't say need, they said want. Okay. And they said they could pay it back to you within a year verbally. Is that what they said? Okay, what did they say their plan was? What was the minimum payment that they were going to pay to you?

[B]

So.

[A]

And also what about the interest were they going to pay into the interest that you are paying on the loan? 13%.

[B]

I try to explain to them based on the payments that they were making, that that would.

[A]

What payments were they making?

[B]

The minimum.

[A]

They were just paying you the minimum monthly payment.

[B]

Correct.

[A]

If they pay the minimum payment until the loan is paid off, technically they will have paid the interest.

[B]

Yeah, but based on the time frame that they had said that wouldn't be possible.

[A]

No, it wouldn't be.

[B]

It would be like five to six years.

[A]

Yes, something like that. Yeah.

[B]

And then they got really upset with me when I brought that up to the them.

[A]

What do you mean they got upset? How did that conversation go? What. What is they got upset?

[B]

They didn't want to pay more than what they were actually paying me now.

[A]

I mean, I guess on a minimum basis they could. They just have to go longer. And they got upset at the idea of going longer.

[B]

Yeah. So after.

[A]

But you showed it to Them?

[B]

I. I tried to explain it, yeah.

[A]

Did you show it to them?

[B]

Yeah, they. They have all the, they had all the documents, all the.

[A]

What was their excuse other than not wanting to or was that it? They just didn't want to.

[B]

They don't have, as the. What they said they don't have what, the money to pay the loan. Like more than what they were already paying.

[A]

Yeah, but they're just paying longer.

[B]

I try to explain that.

[A]

Are they?

[B]

I don't know. I know after all this happened, we went to. We were supposed to go to a tattoo convention together. And a tattoo convention, it can be very lucrative. You can make $1,000 a day from. From tattooing. You can tattoo people and make $1,000 like a day. And it's a three day convention and they were supposed to go with me. But the last of all the experiences.

[A]

You'Ve had with people in the tattoo world that have not been good, you decided to only do a verbal agreement for a loan that you're taking out.

[B]

Well, I would say that's a different thing.

[A]

I would say how they're in the same industry as all those other people that you said were bad. I would said you haven't met good people.

[B]

I would say sexual misconduct. And it wasn't just that.

[A]

Someone also threatened to kill you. He also said everywhere you go to is seedy and sketchy with sketchy people. You said that? Yes. He had specific camp examples. But you said if you go anywhere, that's what you get. And you're trusting two of them.

[B]

I just knew that from a long time. And they.

[A]

And how'd that work?

[B]

It was good until this point. I would say.

[A]

What? What at this point? This point? This point?

[B]

Well, I would say like a couple months ago.

[A]

When. When did this happen?

[B]

In August.

[A]

You took this out in August of last year.

[B]

Correct.

[A]

And it only lasted for a couple months until it went to.

[B]

Yeah.

[A]

Oh, my. Okay, so what happened?

[B]

So after I had this all. What's. We kind of had this loan stuff going on I kind of knew was not going well when we were all. Like I said before, we were supposed to go to a convention together.

[A]

Oh, yeah.

[B]

And they kind of bailed on me last minute. I ended up paying a lot more for the convention than I was supposed to.

[A]

Are they closer.

[B]

Closer in terms of to each other than you? Probably.

[A]

Probably. You don't know?

[B]

Yeah. Because their age range. They're closer in age with. They probably are closer than me.

[A]

That's not everything.

[B]

Well, it's hard. They're like 40.

[A]

Okay, but are they closer or not?

[B]

Yes, they are.

[A]

No, I mean, I have a friend out there right now. She's a sister of one of my friends, and she just turned 21. And we have someone here that's like in their upper 30s, I think. What example is I. No, no, no. We have Someone that's like 25 that works here. I'm still closer to her, even though I'm older because I know her. People are automatically closer because they're closer in age. I'm curious. Are they closer?

[B]

Yes.

[A]

Are they friends? There you go. Well, you answered in a weird way that didn't make sense, but okay. So then they bailed on you?

[B]

Yeah, they just last minute canceled. Like, I was. They were supposed to book the Airbnb because I had already paid for the booth. The Booth was a $525, which if you split it with. If you split it with three people, it's not that much.

[A]

When did they bail? How many days in advance?

[B]

The day of sake.

[A]

Written contracts, people. Written contracts. And they were not on a contract to the booth. It was just you.

[B]

Their names were on the booth. They've sent their information.

[A]

Like, they're, like, in the contract to rent it.

[B]

There's no. There's no technical contract to rent the booth. It's just a bill. You just pay for it. It's not like a contract. It's just. You just pay for it.

[A]

Like, kind of like you paid for it.

[B]

Correct.

[A]

And they were supposed to pay you back.

[B]

They were supposed to at least.

[A]

Okay, so you went and you didn't have to split with anyone. So you made a ton of money. Right? Because this. What are you doing? Horse?

[B]

Yeah.

[A]

Oh, you're tuning into the mic. People are listening. No, what are you doing? Why do you keep doing this?

[B]

I'm hungry.

[A]

You have a little stash. Can eat afterwards or.

[B]

Before I had a long flight.

[A]

You were in the green room for, like an hour. Why don't you eat? Why are you eating into the microphone?

[B]

I was doing my hair.

[A]

Why are you eating into the microphone on a podcast, lady?

[B]

I have a. I have an oral fixation with, like, chewing, but I'd like to be healthy, actually.

[A]

Oral fixation with chewing?

[B]

Yeah, because bored eating, I think, like.

[A]

Don'T we all have that?

[B]

Yeah, but you're not supposed to eat when you're bored. You're supposed to only eat when you're.

[A]

Yeah, but, like, what if chew on pens and bullshit oral fixation? Are we, like, diagnosing that?

[B]

Well, that's not A diagnosis? It's more like just a thing. I mean, it helped me lose, like, £50, though.

[A]

Really?

[B]

Yeah.

[A]

Okay, maybe I need to get on the oral.

[B]

I should show you the before and after picture of me and then you'll.

[A]

Okay, well, good for you. Let's not eat during the podcast like a weirdo, but okay. Okay, so I don't know how the. You afforded a $401 minimum payment.

[B]

Yeah, because it didn't really account for the principal or anything like that.

[A]

Just a payment.

[B]

I know. I've got my. What are you talking about? My account's gone in the negative a couple times.

[A]

Oh, for sake. Okay, so what happened? You went there, you made a lot of money, right?

[B]

I made just the money back. I didn't make a lot of money.

[A]

You're saying you get a thousand a day there, but you rented the booth for 500. How'd you so only make the money back?

[B]

The reason why is because there was a Comic Con happening, like, nearby, so.

[A]

You wouldn't have made a thousand anyway, so. Why the would you say that?

[B]

I'm just saying that's the reason why people go to conventions. I've been to conventions a few times. I've been to, like, four conventions, and I've always made, like, a good amount of money back. That. I think that was the first convention. That was a bus for me.

[A]

Okay, so when did they. Are they paying anymore?

[B]

One of them. We're trying to see what's going on because one of them is to see.

[A]

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[B]

It'S hard to like when you're trying to resolve things amicably and contact, but people aren't responding. I, I, I'm not like a police officer. I can't go and force people to do.

[A]

When's the last time someone made a payment?

[B]

A partial payment was made for February. Yeah, so not a partial.

[A]

How much?

[B]

I would say so 210 was made. No, that's not all of it. 210 in a combination of 100. But I think she finished paying it off with 85, so. I don't know.

[A]

Just one of them.

[B]

Yeah, One of them pains on time. The other one.

[A]

Which, which, which, which one? The shop owner.

[B]

The one who owns the hair salon? Yeah.

[A]

Okay. Are you guys still doing this?

[B]

I'm trying. I'm just trying to figure it out.

[A]

Where are we in the process? Because it sounds like the answer would be no.

[B]

I was trying to communicate with them regarding a contract.

[A]

Are you capable of communicating? Because, like, I don't know, are they incapable of communicating? Because listen, we're talking about since. What did you say? October?

[B]

Not October. August.

[A]

No, no, no. Since the convention.

[B]

The convention happened technically. I think in September. It was after, so.

[A]

Since September. Okay.

[B]

Yeah, it just, it's just, it's hard to try to go to the salon. Go to the salon.

[A]

You're a security person. Go beat her. Not actually, but at least go there. That's a way to talk to someone instead of waiting for them to text. Four months later.

[B]

I am a little scared to do it, so I don't want to.

[A]

Why? What is she gonna do?

[B]

No, it's more so like, I kind of raised to, like, respect my elder, so it makes it hard to do confrontation with people older than me.

[A]

Her. You're out. What the f. Can the respect. That's not, that's not what's happening here. Respect is you can respect there as a person while still having a conversation.

[B]

I don't.

[A]

What do you mean? Going and talking to someone is not disrespectful.

[B]

I don't think.

[A]

What are you talking about?

[B]

That's gonna work. I don't think they respect me.

[A]

No, you can talk to them respectfully.

[B]

I just Based on how the. I know their personalities. I just know that's not gonna work.

[A]

Why? What's their personality? So they can't talk, which means you can't talk to them.

[B]

I've. I've messaged, but if they don't reply, I can't force them to.

[A]

You can go there. Hey, how you doing?

[B]

I. I've. I don't know. I'm just scared. I'm scared of the confrontation.

[A]

Well, guess what? Now you have a minimum payment that is driving you into negative in your checking account multiple times since the fall. This is gonna ruin you.

[B]

I know. I thought about that a lot because I.

[A]

But you've done nothing.

[B]

I know. I talked to my mom about it.

[A]

Oh, good. Yes. One of the most invested partners into this.

[B]

Well, no, my mom was bad at me.

[A]

Huh?

[B]

My mom was mad at me. She.

[A]

Yes.

[B]

Yeah. She said, why did you do that?

[A]

Yes, why did you do it? It's dumb as. Yeah, she's correct.

[B]

She is correct. I don't know. I just. I'm. It's hard to explain. It's like a. Just like a. The anticipation of a negative interaction repels me from going. So I'm just. I'm trying to.

[A]

Who says it has to be a negative reaction interaction?

[B]

I just know there's like, legal stuff on with them. Them too, so.

[A]

There's legal stuff?

[B]

Yeah.

[A]

What?

[B]

Like, I can't really. I don't want to, like, put anyone on blast. It's just. I just know they have issues and I.

[A]

With each other or.

[B]

No, just in general, like in their own personal lives. And I just don't think it'd be a good idea. I know. I just know, like, it just went nasty. So I just. I think if we go over there, it's just. Well. Or if I go over there, it's just going to be an argument, like. I don't think it's going to be.

[A]

Like, what does their productive stuff have to do with that, though?

[B]

Because you have to. You would have to get them to sign a contract and they can just say no.

[A]

Well, yeah. You're a dumbass.

[B]

Yeah. Objectively, Just a little bit. Yeah.

[A]

No, a lot of it. This is destroyed. You. Have you ever been late on this?

[B]

I think technically once, because I.

[A]

Did you make the payment five days ago?

[B]

Five days ago?

[A]

A payment was due five days ago.

[B]

Did you make it five days ago? Yes, I know. I think February was already paid. I'm pretty sure.

[A]

Did you make your payment day? That was the latest that could be paid before a fee Hit.

[B]

Yeah, yeah, yeah.

[A]

Made the payment.

[B]

Yes. Yes. You got me scared for a second. Yeah.

[A]

All right. Belt. This is the card you can pay rent with, right?

[B]

Yeah.

[A]

Is good for people that aren't stupid with their money. If you have a feeling this is not good for you, listen, I would just do the fizz card for you because it's a credit card. That's a debit card essentially. Or a build. It's a debit card that builds credit. All that from a couple carrots, huh?

[B]

It's because I'm really hungry. Sorry.

[A]

You burp when you're hungry.

[B]

Well, because your body's trying to eat something that's not there. So then it makes you burp like carrots.

[A]

There built.

[B]

I do pay my rent with that card here. And there's always a balance.

[A]

Something tells me it's because you can't afford to pay your rent, not because you're actually receiving the benefit that is coming from it. And that's why a lot of people use this card. Uh huh. $1,270.23 on here. I mean, it went up from $982. No wonder you look. You spent $965 on here. That's more than you said you spent across the board. Across the board.

[B]

I think that was a labor from the previous month because I haven't paid the balance.

[A]

Huh? Huh?

[B]

From the. I said the balance from the previous month. That's why.

[A]

No, this purchases a.

[B]

Purchases, yes.

[A]

What do you think I just said?

[B]

Sorry, sorry, sorry.

[A]

No, no, no. I said it was more than you said in this previous month. How are you? Okay. $21, $96 of interest accrued with a minimum monthly payment of $35. Ulta. I guess to coat that face. That was probably the entire trip right there. This episode.

[B]

I really like makeup.

[A]

No, sh. Everyone's very surprised. You look like you're in Mulan.

[B]

Mulan? That's crazy.

[A]

Marshalls. Five guys.

[B]

Yeah, five guys. I gotta. I gotta treat Pooky Princess to five guys.

[A]

What?

[B]

My boyfriend, Pookie Princess.

[A]

That's. That's. Your boyfriend is Pookie Princess?

[B]

Well, anybody can be Pookie Princess. That's like just someone you care about. Is there your Pookie Princess?

[A]

Oh, am I getting old? I don't know this. I know Pookie.

[B]

I think it's just me. I swear it's just me. It's just me. Cuz I, I. Even when like PD comes down to like Target, I call them Pookie Princess too. PE pd like police department.

[A]

You say you'll never join the Navy, that you never track storms brewing in the Atlantic, and skydiving could never be part of your commute. You'd never climb Mount Fuji on a port visit or fly so fast you break the sound barrier. Joining the Navy sounds crazy. Saying never actually is. Start your journey at navy.com, america's Navy, forged by the sea. What the are you talking about? Okay, and then, yes, you went into Target, got some bull. No, you're not buying anything necessary for five bucks. You're getting drinks.

[B]

I'm trying to remember what I got. Definitely wasn't energy drinks. I don't think so. I think. Was it chocolate milk?

[A]

How the would I know?

[B]

Sorry. Sorry.

[A]

How the would I possibly know? How would I know?

[B]

Okay, so I probably so something special. I can't probably tell what those drinks are, but I. There's a few times, but I know.

[A]

It's what I'm saying.

[B]

Yeah, absolutely.

[A]

You're spending money you don't have while you're going negative in your checking account because you took out a personal loan that wasn't backed by any kind of contract that other people are supposed to pay, and now you can't afford to pay. Well, how does that make sense? How do you spend basically what you brought in last month on bull? How do you allow that? How is that acceptable? How long have you been dating your boyfriend?

[B]

Four years.

[A]

And he's okay with this? A potential fiance, a potential marriage? He's okay with a financial disaster on the other side.

[B]

He told me that even if he tries to give me things that I should do, that it's hard to get me to listen because I'm stubborn.

[A]

I don't know if it's the stubborn part that's making it hard for you to listen, but, yes, I get it.

[B]

He's not, like, controlling or anything, so I don't have to worry about that.

[A]

That's not what I'm saying.

[B]

Because some people are like, control other people's finances even when they're not married.

[A]

Yes.

[B]

Like, they'll like, I need your access to your power.

[A]

Aren't you listening to him? Someone who might know what he's talking about. I don't really know, but obviously you're in the worst place and he wants you to do better. Why not listen?

[B]

He didn't really talk too much to me about it. I think he's just.

[A]

What the are you talking about?

[B]

I thought you're talking about. We're talking about the loan. No, because I did talk to him about it. We're not talking about the loan right now. We're talking about that. We're talking about the credit.

[A]

Anything that you're doing. Are you guys gonna get married?

[B]

Hopefully.

[A]

Yeah.

[B]

Yeah.

[A]

Why would he marry this? Why would he pull this into his life that way?

[B]

Probably because he loves me.

[A]

Love. But he's gonna destroy himself. Yes.

[B]

No.

[A]

I mean, if you get legally spent $6,000 more. 5,000 more than you made.

[B]

Well, he's also trying to get a really good job.

[A]

Good for him. And then you'll take all the money and blow it.

[B]

No, I would not do that.

[A]

You blow more than you make. What are you expecting to happen in the end? What's your. What's your. What's your path out of here? What was your little magic plan here?

[B]

Well, I wouldn't spend his money. I don't think that's.

[A]

Oh, come on.

[B]

No.

[A]

You wouldn't even know you are.

[B]

No, no, no, no.

[A]

You don't even know you're spending your own money. Oh, you'd get a joint account and it would all be out, and you'd be like, I'm just getting a pookie little five guys.

[B]

Well, a joint account, I think it should be only for, like, kids. If you're having kids together, I think it should be like your joint account for money for kids. And then you're.

[A]

What? That's an interesting new qualification for a joint account.

[B]

Well, I'm saying that's what it should be. I'm not saying that's like a rule, so. I am, I am.

[A]

I'm just saying if you get access to his money, he's gonna spend it. But not only that, but you're gonna have debt. You're bring debt into the relationship. Is he legally required to pay it? No, not necessarily. Unless he's on the debt and there gets complications, blah, blah, blah. There's always different things. However, in the end, he will feel like he should pay it because, oh, this is my second half. And you're making your debt worse and worse and worse every single month, worse and worse and worse and worse and get into stupid and stupid business deals. Why would he bring that into his life that way? In a more permanent fashion, in a more risky fashion. What if you use his credit or something just because you just think that's a normal thing to do, and then you just apply to bull some dumb new business venture?

[B]

Well, probably because he wants me to have his babies.

[A]

He might just be a little horny.

[B]

Well, look at me.

[A]

Yes, we all know everyone is aware, but I don't know if he's gonna absolutely destroy his life unless he's the.

[B]

You know, I think.

[A]

I think testosterone is making him go there.

[B]

I think we. I think it's worth it if we have, like, ginger babies.

[A]

Is he a ginger?

[B]

And his family runs in his family in mind.

[A]

Is he a ginger?

[B]

His mom's a ginger.

[A]

Is he a ginger?

[B]

He's. I don't know if this makes sense. He's half ginger.

[A]

What's your real hair color? Cuz I know that is brown.

[B]

No, I know the roots are growing out. I know, I know I have to re. Dye it soon, but I've been putting it off.

[A]

Yep. Okay.

[B]

I know. A lot of time when I go to Target, I like to get press on nails.

[A]

What is it? Just a new. Just every time you go in, that's your little sweet treat. Little press on. Sweet treat?

[B]

Yeah, I. You can all. Well, the best way to do it is to get press on nails, and then you can just paint stuff on top of it.

[A]

So you can bring them over here.

[B]

They're not that great. They're outgrown. My favorite ones were the Sanrio ones.

[A]

Nails. Okay. So that's a special little thing that you have to. No more carrots.

[B]

No, no, no. No carrots. I got something for you.

[A]

Okay. What? Olive and June. I don't know what this is.

[B]

They're press on nails. We're gonna put them on you.

[A]

What am I supposed to. This is not your show. We're gonna put this on you. What are you talking about?

[B]

I know it's not your color, but.

[A]

What would my color be?

[B]

I would say definitely green. Like a light.

[A]

Who would have thought how much you spend on this on a monthly basis?

[B]

I think a pack of them could be like $9. So it could be 18 if you buy two.

[A]

Oh, my.

[B]

I know.

[A]

Sometimes they're telling me to put it on. They're pressuring me.

[B]

I think they're right.

[A]

Do I get to take them off? Are they easy to take off?

[B]

Yeah, of course.

[A]

How easy to take off?

[B]

Just don't put too much glue on it and it.

[A]

I don't know.

[B]

I'll tell you. Don't worry. I can help you. I can help you.

[A]

You are building this up by. Is this what you're getting for Ulta O? 965. Oh, this is your target thing? $965 is what you spent. $965. That is almost what came in last month. And you added that to a credit card that you can't pay off while you're negative. In a checking account while you're giving out loans that you can't. Fine, do a couple.

[B]

Do a couple.

[A]

I don't care.

[B]

Okay?

[A]

I've never done anything like this.

[B]

Hold on. I need to eat a carrot. Give me a second.

[A]

No, your carrots. Stop with the carrots. No, stop with the kid. No one gets with the carrot. Just don't crunch into the mic, okay? A little weird person. Okay, let's see what $965 of spending and 21 of interest is worth at 28.49.

[B]

It's not my favorite brand, but. Because the Kiss brand is better.

[A]

But am I gonna have the desire to get pegged once I get these on? You could have been a twitch girl. You look like it.

[B]

I really like video games, specifically.

[A]

Pen. I can't pick up the pen.

[B]

You gotta.

[A]

Here we go.

[B]

I really like horror games specifically. I know. I'm anticipating the release of several Silent Hill games that are coming out. I don't know when they're going to be released though. There's like four of them. One of them was already released as a remake.

[A]

You don't have money. You don't have money. I don't give a. How long does this take? No, Wrong one. Did I throw that car? How the do women operate? This is impossible. How long does that last car take to pay off? Only doing the minimum depayments. The bill card. If you don't purchase anything and all you do is purchase. So how long does it take to pay off?

[B]

I'm hoping to pay half of it soon. Or most of it. I'm just waiting.

[A]

How long does it take to pay off minimum monthly payments only?

[B]

I think it less than a year.

[A]

Nine years. Oh, nine years. You'll be 32.

[B]

That's. I mean, that's not that old. You got to do with Grace?

[A]

Target?

[B]

I love Target.

[A]

Yeah, you don't. You work there?

[B]

Yeah.

[A]

They should be giving you money, not you giving them literal credit card debt. I know you have a balance. Well, it's a small balance. Do you pay this off every month?

[B]

More or less. Because it's easier to. More or less because there's a balance on it.

[A]

But do you.

[B]

Yes. Yes, yes, yes.

[A]

You sure? Every time.

[B]

I would say 90 of the time.

[A]

Because why the would you ever pay interest on this? Lady? Lady. Why? Why would you ever pay interest on this? I don't really get it.

[B]

Because technically it looks better when you have a debt and then pay it off instead of paying it off immediately. I think I'm pretty sure is. This is way too sensual.

[A]

I feel you don't need to be here. Okay, so I'm not going to put this down as a death end, but why you're purchasing so much on here? She's not doing the other hand. She is not. We're not. Oh my gosh. Dude. These are all. Both purchases. Cuz it's. It's so stupid. It's so much. What? What clothes? Why are you getting something? You're getting close every day.

[B]

Okay, okay, listen.

[A]

This is half. Half the days of the month. Half of the days of the month.

[B]

Hear me out. Hear me out. Listen, sometimes I'll buy things and then immediately return it.

[A]

Yeah. But I didn't have any returns on here, so I don't know what the you're talking about.

[B]

There should be some funds.

[A]

Nope.

[B]

Because I bought gym clothes. I returned them.

[A]

Nope.

[B]

Is that on the target one? Yeah.

[A]

Nope. Nothing returned on here. Nothing returned on here. Where's your returns? I don't see any returns. What are you talking about? Why are you returning everything?

[B]

It's more or less because, like if I need something and like if I wanted to go to the gym afterwards.

[A]

Purchase on the Target app.

[B]

Yeah.

[A]

Let me see.

[B]

Don't look at the. Don't look at the newest one. Don't look at it.

[A]

What? The headset?

[B]

Yeah. The Kuromi headset.

[A]

Yeah. You're a little bit of a freak, but we already know that.

[B]

It's just the number next to it.

[A]

Yeah, it's 118. You're negative in your ticket account. You're. This is stupid, dude.

[B]

It's limited edition. Sorry, Limited edition.

[A]

Who gives a. It's all stupid. It's. It's.

[B]

I know I should be. I should be a booster with hello Kitty.

[A]

Okay, the first clothing thing was at the beginning of this month, so you're not returning all the clothes. I said stop. Give me. Give me that. Give, give, give, give, give. They're gone. Stop. You're crunching into the mic. You're being weird, man. Okay, stop trying to be a character. Are we here to fix your finances? Yeah, we can have fun, but are we here to fix your finances?

[B]

I feel like we're.

[A]

Focus up.

[B]

I'm focusing.

[A]

Chase Card, Amazon account. Great. Yeah. The last thing you need is. Okay, it looks like this one's paid off every month too. So we're really dealing with like those two aggressively bad ones in the beginning. But 164 balance, but not really. You pay it off on a monthly basis. But it was 164 purchases and 75 cents. And it's Amazon. Amazon. Okay, pull up your Amazon app. Let's see. At 26% interest, no fees. Do you pay this off every month?

[B]

Yeah.

[A]

Is it a more or less? Or do you pay it off every month?

[B]

To be fair, I do share.

[A]

No. How would you answer the question? To be fair, what the f. I.

[B]

Share an Amazon account with my mom.

[A]

Hey, you. Look at me. My job is to sit right here and be the absolutely stunning figure that I am. And some things I just can't help, like my incredible ass. Which is why you're all here, of course. But also some things are in my control. For example, the pearly whites. I yap a lot and some would say too much, so I get it. But listen, if I'm going to yap, my teeth may as well look pretty damn good. I drink a lot of coffee to get through these audits. And I started noticing some staining on my teeth. So I've partnered with today's sponsor, Ora Glow, and they brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten. But they do it sensitivity free. And that's always been why I can't use these types of products for long due to my sensitive teeth. Seriously, these things are incredible. Make sure to go to Amazon and get the Aura Glow teeth whitening strips. Or click the link in the description below. So your yap sessions can be just as confident as mine with stunning white teeth. Do you pay it off every month? I don't give a. You paid off every month is all I care about. Because it's in your name.

[B]

Yes.

[A]

Show me.

[B]

Okay, you want me to bring up because Amazon and Chase are separate technically because it's through Chase bank and then.

[A]

The Amazon app where you purchase things.

[B]

Okay, okay. But the purchases are also going to be my mom's purchase. And she pays with.

[A]

That's okay.

[B]

Okay. Okay.

[A]

All these glove things.

[B]

And that's my mom.

[A]

Little cheap artistry things. And my mom's a clothing and coffee and cowboy hat. You don't have any subscriptions.

[B]

I don't.

[A]

I'm actively surprised.

[B]

That's not true, actually. That's a lie. I do.

[A]

Okay. Well, nothing subscriptions on there.

[B]

I have X an Xbox membership for the game.

[A]

Pass is more gaming.

[B]

I was thinking about turning it off because I'm like not really into Xbox anymore. It's all about PlayStation. But I do have a gym membership, but that does. That does get reimbursed every year because of my health insurance.

[A]

And I'm okay with gyms anyway.

[B]

I get like. I get it back. Is my Blue Cross Blue Shield shout out.

[A]

Okay. What is this?

[B]

Put it straight so I can look at it.

[A]

What is this? Sorry.

[B]

Oh, no, no. Yeah, yeah.

[A]

What is a 9797.54 balance?

[B]

Can I look at that or no?

[A]

Oh, my. You don't know what your third loan is out of three.

[B]

9,000.

[A]

Is this the car? You said you had a car.

[B]

Yeah, I'm sorry. I'm sorry. I. I forgot that I've been paying it off because I remember it being significantly higher because it started off at 18,000, now it's at 9,000. That's why I got a little confused. Yeah, it's for my car. My Subaru. My Subaru Impreza.

[A]

Oh, I need someone to just come in here and just like double hand this. Oh, man, this is nice. What?

[B]

I was. I don't know. There's no one else in the room.

[A]

Yes, there is. Lindsay and Jake are both back there and I'll take both of them. $9,797.54 is your car. It's at a 10.39 interest rate. You didn't need this car. You got rid of your last car.

[B]

I know. I should have got a.

[A]

When did you get this?

[B]

I would say three years ago.

[A]

What's it worth?

[B]

Originally I had bought.

[A]

What's it worth?

[B]

20,000.

[A]

No, it's not right now. What's it worth?

[B]

I don't know.

[A]

Do you have your Vin?

[B]

Not on me.

[A]

Do you know it?

[B]

Not by memory.

[A]

Do you have it somewhere here?

[B]

Yes.

[A]

We don't need it. It's okay. It's until the end of the decade until you pay this off. Minimum monthly payment, 261. So you include that with your first and your second. And we're already at almost $700 in minimum payments. I don't know how you can afford that. When last month you brought in 1200 or whatever.

[B]

Yeah, I spend more than you make.

[A]

On a monthly basis. And why your debt's going up.

[B]

My debt to income ratio is not good. That is true.

[A]

Why are you here?

[B]

I do want to kind of get better with budgeting because I know if.

[A]

You kind of with budget. You haven't even started budgeting though.

[B]

I know, but.

[A]

Yes, but that's not better with budgeting. Why haven't you at least just started?

[B]

I. I Think I just been putting it off because it's just inconvenient. I'm going to be honest.

[A]

How Isn't being in debt inconvenient? Isn't having negative money in your checking account inconvenient? What are you talking about?

[B]

Well, just because it's involving other people, it's not just myself. I.

[A]

Your budget.

[B]

Well, no, like, because the loan and stuff like that. So what? Because that one involves other people, so.

[A]

It'S less inconvenient because.

[B]

No, no, because having to tackle that specifically, that is inconvenient. But everything else, I. I definitely have bad habits here. I can't help it. I'm. I am a makeup girly, and I'm a makeup girl gamer. Girl gamer.

[A]

Girly. What the are you talking about? You spent $6,000 as a girl math. You spent five. It's not girl math. It's stupid. It's stupid.

[B]

It.

[A]

You spend $5,000 more than you made. Like, I don't know. At that point, I was thinking, that's that girl math.

[B]

I was thinking about donating plasma.

[A]

It's not. Listen, your income's not great. You live with your boyfriend. You guys split rent.

[B]

Yeah, we were hoping to leave there soon. Okay.

[A]

And go where?

[B]

To take out a mortgage for a house. But we're still trying to get.

[A]

You won't be on it, will you? Yeah, no, he's doing it. This is what I told him. Do not let.

[B]

He's doing it. He's trying to see if he can.

[A]

Hair get to you. It. Buddy, if you are watching this, no, you cannot allow her to be on a mortgage with you, man. You cannot allow her to be on a mortgage with you. You're lucky. You have, like, a hundred dollars of equity in this car. It's worth about $9,828. Okay. Okay. But the interest rate's horrible. You cannot get on a mortgage with him. He cannot. First of all. You're gonna, like, bring down his rates.

[B]

Yeah, we're. We're both thinking about getting second jobs.

[A]

How's the car doing?

[B]

It's pretty good. I would say a slight damage.

[A]

How many miles?

[B]

I think it's.

[A]

And what's the damage?

[B]

4. It's either 48, 50 or something. Thousand or something.

[A]

What's the damage?

[B]

Hit and run. Someone hit my front of my car while I was at work.

[A]

At least you have airbags with you wherever you go.

[B]

Yeah, it's not, like, too bad. It's just like, there's a scrape in my car, but everything else is Fine. I was working a 16 hour shift, I'd come back and my car has a scratch in it.

[A]

Is that all your debt? Three debts. Really?

[B]

I feel like there might be an additional one we're forgetting about.

[A]

What it would be yours? I don't know. I don't have your life in front.

[B]

Of me because there's the. The loan, the car, credit cards. I think that should be everything.

[A]

I mean, you have a current balance. Well, at the time of the statement of 1,827.

[B]

Yeah. That's cuz it's rent. Cuz. Cuz I have to pay seven something for rent.

[A]

So this is having enough in there for rent. Okay, venuing out. $10 and 61 cents. Microsoft Ultimate $21.24.

[B]

Game Pass.

[A]

How you do this?

[B]

Practice.

[A]

Yeah. It's gonna take me a second. Cheers. Cheers Liquor.

[B]

No, no, no. Actually no. That's for therapy or no. Is it Cheers Liquor. Sorry.

[A]

He went and got some from Target.

[B]

That's true.

[A]

From Target. And we've done that endlessly. There's.

[B]

I love Target.

[A]

There's more liquor in PayPal. Out 2.96. Oh my. What?

[B]

To be fair, when I. I usually get reimbursed for when I would go do liquor runs. That's not for me. I said one of them.

[A]

Wait, but the deposits. 3,000 of it was Fidelity. What was that?

[B]

That was what? That was an old 401k that I had.

[A]

No, no, no, no. That's incredible. That's incredible. From 18. From 18 is exactly what you want. From 18 is exactly what you Want. 18 to 59 and a half. The compound growth on that is incredible. Incredible. You withdrew it? Do you withdraw it all?

[B]

Yeah.

[A]

No. That $3,000 would have been like $25,000.

[B]

Yeah, it was those. It stopped coming.

[A]

What are you doing?

[B]

It was sitting in a. A rollover. Ira rollover. Because I was working at Chipotle when I was 18 and I'm obviously not.

[A]

Why'd you pull it out? Why the possibly. I know you didn't make enough money. You spent way more than you made. But why the. Did you possibly pull it out?

[B]

To buy a PC?

[A]

Oh my. So you're not getting rid of Game Pass PC? I thought I'm a PlayStation girl now.

[B]

What the f. So you can actually use the Game Pass on PC?

[A]

That's why I said you're not getting rid of it.

[B]

Yeah, I. Oh my gosh.

[A]

Do you. You can't. You don't comprehend a lot of half the things that are said to you. I need to call that out so that you can be more conscious of it.

[B]

My therapist said I'm a little slow. Not like, not like mentally delayed, but like hearing slow. Like.

[A]

Okay, so you got a brand new.

[B]

PC even though you're as different as rainbow color.

[A]

Great. But you said you're a. You said you're a PlayStation girl.

[B]

Well, my boyfriend bought the PlayStation for me, so I didn't have to buy.

[A]

Yeah, but why do you need a PC then? Yes, it's better. Okay, but you said you're on PlayStation. That's your thing.

[B]

Most of it was. I wanted to use it for video editing. I. Oh, what the.

[A]

What video editing do you do?

[B]

I. I used to be a little tick tocker, but now I'm trying to move to YouTube.

[A]

Oh, you are. You're out here promoting yourself because you're using a fake name, so we're certainly not gonna share.

[B]

Oh, no, no.

[A]

What do you mean, Tick Tock? How many followers did you have on tick tock?

[B]

Over 100k and.

[A]

Oh, that's actually. That's great.

[B]

So I needed like two monitors and. But I don't know how to make the second one work, so it's low key, useless.

[A]

You don't want to make the second one work.

[B]

I bought a bunch of cord.

[A]

Boyfriend though I know at least a second set of eyes.

[B]

I did buy a new desk because I was using. I was using an old desk that.

[A]

My mom gave a 401k to do this. Not to survive, not to put a down payment on the house.

[B]

Like a thousand for a desk. A new PC, keyboard, mouse. Oh, that's pretty good.

[A]

Oh, for video editing. You didn't need this whole PC though. Did you have a computer?

[B]

No, I haven't had a.

[A]

Where the did you get that from? Where the did you get that from? What's your PC? What are the specs sake, this conversation.

[B]

I don't have the specs memorized right now. I can't.

[A]

What is the processor? You don't even know what's the GPU that's gonna primary.

[B]

I know it's high for video editing.

[A]

The GPU is going to be the biggest part. What's your gpu? You don't know your gpu?

[B]

I don't have a. Memorized.

[A]

Yes, I even just.

[B]

It's a good. I know it's good because I looked up all this stuff, but you don't.

[A]

Know what anything is, so. I don't know.

[B]

I looked it up before I bought it.

[A]

Yeah, but who knows what you looked at when you looked it up. I have to take a. So what's in your retirement today?

[B]

I don't think I have a retirement account set up at zero. I was supposed to set it up.

[A]

So, again, what are you here for? What's your intentions here?

[B]

I do generally think there's. I. I can learn some things from here, but I feel like maybe there's a little bit of some. What's the term? Not boundaries. Stuff getting in the way.

[A]

Oh, stuff getting in the way of you learning?

[B]

My therapist said I'm a little slow.

[A]

What?

[B]

Possibly. So I'm hoping to figure all this stuff out so I can start a family and then pursue, like, social media.

[A]

You want to start a family and pursue social media? Yeah. No. You're not in a position for either of those things. You can't even afford to pay your own bills. You're spending more than you make. You're taking money from retirement, and there is no way for you possibly. Possibly to start a family. Get a house.

[B]

I grew up.

[A]

Why are you pursuing social media? What the do? What's your talent? Our TikTok is easy to get. Is that how you got following on Tick Tock was art?

[B]

Yeah.

[A]

So is that why you got following on Tick Tock was art?

[B]

Yes.

[A]

Let me see.

[B]

You want me with the Tick Tock?

[A]

Yes.

[B]

You can have. Let me see. Right here.

[A]

Art. I'm not five.

[B]

Don't look at the ones of me. Those are bad. Only the R ones.

[A]

Well, that's what I'm trying to understand. You're not here to plug your.

[B]

I'm not allowed to.

[A]

Exactly.

[B]

It has arrived. No, my voice. Don't do that. Don't. Laura, please. I hate my sound of my own voice.

[A]

I'm just going through here. And I don't understand why you have followers.

[B]

Oh, dude, no. Sepia. Look at all the bad ones.

[A]

You're kind of attractive when you look like a normal human being.

[B]

That's so mean.

[A]

What? Isn't that a compliment? Why are you sharing screenshots with people of people? It's conversations.

[B]

What are you talking about?

[A]

Got screenshots.

[B]

Oh, no, that's. So there was like, an art drama that happened involving someone trying to spread a misinformation about another artist. So I was like, in that.

[A]

Why the. You're one of the weird Internet.

[B]

Yes.

[A]

People. I don't know if I want you to be here.

[B]

Well, that's a long time.

[A]

Your YouTube is basically nothing.

[B]

Yeah, I haven't posted in a while. I've been.

[A]

Well, I mean, a month but that's. It's like your YouTube is.

[B]

I know it's going down because I haven't been posting the content that they like.

[A]

No, your content is this.

[B]

When they get infected, just like Cherry.

[A]

And just drawing things.

[B]

So that. That's our. Okay.

[A]

I don't know. Yeah. Pull out of a 401k for a gaming PC. I mean, at that point, I just don't understand. And you can't describe to me what you want. So, like, I honestly, I'm not gonna do it. I. I'm gonna finish this. But I have almost no desire to because you can't actually adequately describe what you want. And I only want to talk to people who want help, even if they're a little freaky. But you're not even able to describe what you want out of this.

[B]

Well, I definitely want to. I do want to have a better future than when I.

[A]

What can I do?

[B]

I know you said you were going to present all these tools and.

[A]

Yes. You get our classes. You get all our classes for free. You get simpler budget for free. We can give you three. Three therapy sessions to Sondermine. I can get you a course, career certification. All the stuff that our audience loves. All the stuff that I love. Yes. That's the reason you came on.

[B]

I think it's. If you can get opportunities to be better, regardless of how silly they might be, I think they're productive.

[A]

What about this conversation?

[B]

I think acknowledging that you have a problem is the first step of being better.

[A]

So you're not listening to anything I'm saying then. So we're not making an impact right now.

[B]

This is an impact. You give a lot of tough love.

[A]

What do you want from me?

[B]

I want a better understanding of how to improve my debt over time.

[A]

Okay. What about the retirement front? Because you just. It.

[B]

I was waiting. Well, obviously it's past the time. I know some 400 401ks you have to wait till you're over 21, but now, obviously, I'm 23, so.

[A]

Is that what the point of a 401k is? To save for a few years?

[B]

No, I'm just saying.

[A]

What the are you talking about?

[B]

I'm just.

[A]

When did you pull from your 401k? Oh, it was that last month's statement.

[B]

Yeah.

[A]

How long have you been on this channel knowing we existed?

[B]

Just a little bit.

[A]

Was it before or after that?

[B]

I would say after.

[A]

That's insane. Dude. That is crazy. Then in this PayPal, it's tick tock shop, Adobe, Best Buy, McDonald's there's your fast food. Best Buy is 191. Adobe's 280. The huh. Tick tock shop. 193 what that was the desk a TikTok shop.

[B]

It was nice. I used to get free stuff from Tick Tock but then Tick Tock got.

[A]

Like you have savings of 319. Your debt is not the absolute worst situation compared a lot of people on the show. The business situation that you did with your friends is the dumbest thing I've ever heard. But then you pull out of your 401k and you act like you're just a with so many things. This is I, I don't, I don't understand. I can give you a debt payoff strategy, but you actually have to be someone willing to do the debt payoff strategy.

[B]

I mean I feel like I can.

[A]

You pulled from a 401k recently.

[B]

I, I can learn.

[A]

You bought a gaming PC from your pulled 401k.

[B]

I used to be a straight A student. I, I, I don't give a.

[A]

It doesn't matter. Anything. You could have been a gray a student at the special school. Like I don't know.

[B]

No, I'm just saying that means nothing to me. No, I said I can, I can learn to be better.

[A]

I just have to use my left hand for any kind of paperwork movement.

[B]

Where's the budget you did?

[A]

Oh, I can't grab things. Ah, total income? I guess we say 2500. What's your portion of rent on a monthly basis?

[B]

1550 and I pay half.

[A]

$775. Okay. Your debt payments. $698.11. What's your. What about utilities? How does that work in this house?

[B]

Oh, we don't have to pay utilities or water. Okay.

[A]

Internet. How does that work?

[B]

He pays for Internet.

[A]

I don't pay for gas. Vroom vroom. Drive. Drive. How much you spend on a monthly basis?

[B]

I would say I pay like 35 per week because I have to drive really far for work because I wanted to work at the nicer Target and not the ghetto one.

[A]

Yes. Okay. I guess that's better for security. Car insurance.

[B]

Car insurance is roughly around I think 275. I could be wrong though. It's definitely within that range.

[A]

Phone bill.

[B]

I don't pay for phone. My mom does.

[A]

Well, when you're off of that, make sure you switch. Make sure you do helium for only 15 bucks a month. Same towers as T mobile. I'll allow you to contribute $300 to the food pile and $100 to TP Fund. That includes makeup. That includes whatever you got going on over there that you need, okay? Medical, health care, anything on a monthly basis that you.

[B]

My mom pays for that. But you're talking about expenses. Just therapy.

[A]

How much?

[B]

25 per session. I only go every two weeks because.

[A]

50 bucks. Okay. Anything else? Pets?

[B]

I only have partial custody of my dog.

[A]

Do you pay for the food?

[B]

Sometimes, but it's been.

[A]

How much?

[B]

Like 20amonth.

[A]

Okay, let's say that. What about. Does he have dog insurance?

[B]

My mom pays for the doggy insurance.

[A]

Okay, see, this is. This is that. Honestly, a part of this conversation is suggesting more as to why your language is what it is. Your knowledge is what it is. Your dismissal. Not dismissal, but your confusion, lack of being able to. That just comprehend things is because you are mama's little girl. And you are also taken care by the boyfriend. You're just taken care of by people. You don't do anything. You're not responsible. You've never been responsible. You've never had to deal with your own. And if you do, there are people to bail you out and people always take care of things. And you've never been an adult for one time in your life. And that literally. I am so glad we made this budget because that explains everything. That explains this entire conversation so far. It defined it. You're a child.

[B]

My mom doesn't like you and she doesn't like people like you.

[A]

I don't care. I've never thought about her in my life and I never will again.

[B]

I think it's just because we. I grew up pretty poor, so I think my mom's just making sure I have everything.

[A]

I did too. But guess what? I'm not enabled. Yeah, you have an extra $141 on a monthly basis. It is going to take 212 months to pay off your debt. Oh, she doesn't even care.

[B]

No, no, I'm listening.

[A]

17 years. So that's your debt payoff. Sorry. No. In reality, you need to go make more money stuff. You can social media on your free time, but you need to go work 60 hours a week.

[B]

I was at one point.

[A]

I had to do it again. Congratulations. Do it again. And then start paying off your debt pretty aggressively. Make sure your friends pay for this debt. Yeah, that conversation. I can maybe call one in the post show and confront them.

[B]

Oh, no, no. Don't do that. Don't, please.

[A]

Maybe. We'll see.

[B]

Don't do that.

[A]

I like to call and confront people in the post show. So yeah, you gotta pay off that car and built card and hopefully they take their responsibility. But don't get into any more business situations with these people. And you just need to grow the. I don't think you're ready to have a kid. I don't think you're ready to get a house. I don't think you're ready to get married. I don't think you're ready for any of the stuff that you are talking about. It's just tough because spending in a budget, you overspent. 0 out of 10 debt, that's not the worst for your income situation is bad. So I'll give it a 2 out 10 of. Of 10. Emergency fund. You have barely anything. Retirement, you just pulled it. 0 out of 10. Real estate, 0 out of 10. Hammer financial score. What were you gonna say?

[B]

I'm just saying there's a biological limit for like when you can have kids.

[A]

Yeah, but it's also. We're. You're 23.

[B]

Well, they said the younger you have kids it's better. But.

[A]

Of course. Of course. But you're 23 and we live in 2025. It's not 1802.

[B]

Yeah, my mom had two kids by the time she was my age.

[A]

Huh. Also, different times. My parents. And that's probably why they're poor. Mine were 18 and 19. That's why they were poor.

[B]

And my mom's 19. My mom's pretty young.

[A]

Okay. Hammer financial score. One out of ten guys come to the post show. We'll usually have some kind of fun confrontations. If she allows me to call these people, I'll call them. Probably gonna call someone. We'll figure that out.

[B]

I'll throw up on myself.

[A]

I don't care. This is what you deserve. We're eating carrots.

[B]

Caleb. Caleb. This is what I used to look like.

[A]

Oh, right. Isn't that the. You gotta keep it a little bit inside. You look great today. That's the point.

[B]

People have said meaner stuff to me online. People leave.

[A]

I'm not trying to say anything mean.

[B]

Okay.

[A]

To watch the financial Audit post show, click the join button below.