This Has Never Happened Before | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I kind of blame my ex for like... Oh, cause we have no personal responsibility, of course! I didn't get tickets to see Taylor Swift in Miami, so they were doing a giveaway if you had a Capital One card. What? You opened a Capital One credit card just for the chance of a giveaway? Wasn't even to buy the tickets? What is wrong with you? I could never live my life like you! You are a broken individual! And then I also was having a crisis last year of almost turning 30. Yeah, that was last year. This is the last week! Dollarwise is finally here! Sending waves through the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and MealDirectly.du. Now, after March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below. Hi, my name is Kelsey. I'm 29 years old. I'm from Central Florida, and this is Financial Audit. Thanks for coming over to Austin. What do you do in Central Florida for a living? I'm a dispatcher. What kind of dispatcher? What are you just watching? Like police, law enforcement, 911. Okay, that's the second time we've had that on the shows years ago. Very depressing job, but, you know, oh wait, no, that's actually, that was a 911, just like call operator. So you're just a dispatcher. You're not actually taking the calls, are you? I do both. Oh, never mind. Depressing job. Okay, what do you make? Such in Central Florida, you got some, yeah. Yeah, I make meth ones. 1.8 something an hour? Sick, man. I don't know how we're getting people to do that for 28 bucks an hour. But I mean, 28 bucks an hour isn't necessarily bad, but Central Florida has dramatically gone up in terms of cost to living. It's more stabilized trend down, still not even close to where it was just a few years ago. And even so $28 doesn't stretch as much there, but it's still halfway decent. But for that job, man, out of all jobs, it's absolutely a brutal one. Yeah, we're not even considered first responders. Well, I guess you're not responding. No, but when you call 911, who do you talk to first? Okay, so how many hours a week are you working? Well, it depends. We have like short weeks and long weeks, but every two weeks, it's 84 hours. Okay. And that's if I don't pick up overtime. It's your account. Um, oh, shoot, I did have it written down 20. Well, you put it, and I assume you have to put it up. You would know the number so you can survive. Yes, but like sometimes I work overtime, so like it depends and like, you know. Okay, how much overtime do you work? Well, it depends. Usually, okay, what's your average pay? Your average pay? I want to say it's a little over like 2000. You want to say now, is it in reality? When we say a little over 2000, are we saying 2100, 2200, 2050, 2000? No, without overtime, I want to say it's like just a little... Yes, but there's overtime, so what is just the average pay? But it's not consistent. It's not consistent, but on average, how much do you bring? If you want to save a few quid, British gas have a way. You get half price lekkie, and it's called peak save. On every Sunday, it's the smart thing to do if you're regular folk or furry and blue. 11 till 4, let the good times begin. You could charge up the car or take the dryer for a spin. Half price electricity, what joy that brings with British gas peak save, we're taking care of things. T's and C's apply eligible tariffs and smart meter required. And per pay period, duh! Um, probably like 2100. And that's every two weeks, every other week? Every two weeks. So I bring in like 4000 something a month. Well, that would be 4200. Okay, I'm not good at math. Neither am I, but that 2100 times two is... Okay. Sounds good. Yep, so 4200 in central Florida, again. Please, are you a dual income householder? Is that it? Okay, yeah. Just me. So $4200 in that. That is going to be more difficult to make a living off of, for sure. So what's going on? What are we talking about? Because that, I mean, you could budget it. We could, actually, we could budget that. It's just, the rent's just going to be a little chunky for you. So what's going on? Well, I kind of blame like my ex for like giving me a bunch of bad habits. Oh, because we have no personal responsibility. Of course. Okay, I would understand if it was like, I blame my ex for making me and immediately having to get a place to live because we moved out. Well, for sure. No, we didn't live together, so. Okay, then what the f*** were you like, honestly, how you're blaming someone you weren't even that? Well, we just had like very different finances. And so like he loved. Oh, great. So he didn't rub off? No, he just. Because we're completely different. No, but he liked eating out and like didn't like, he like, he actually said like he didn't like home cooked meals. So like we would eat out all the time. So then I had the bad habit of eating out. And even when I tried to cook dinner, like he didn't like it. And so like. Okay, great. When did he break up? Or whatever. Well, I broke up with him, but. That's what they all say. Like October, November, depending on how you look at it. Cause this is months ago. I understand the transitionary period. Well, then even two months if I'm being generous. What the f*** are you talking about? How long are you guys dating? Um, two to three years, depending on how you look at it. Okay. Well, that's why I'm guessing three then. I don't know. Kind of. What were you dating or not? I don't really give a f***. Okay. I can, I can understand lifestyles changing within a few years of being with someone. So I do understand that. That's what I was trying to establish. But even still a month transitions reasonable to is stretchy. But I will accept it where what four, five months later, the f*** is going on. Why can't you just be a damn adult? You're 29. You're saying you couldn't struggle to not go into a Mickey D's versus standing in the kitchen. Not a woman thing. As a 29 year old adult, five months after a breakup, you couldn't handle that. Well, it was like a bad, like I was a bad habit. So I just kept eating out and then I did. Well, this is you not changing it then because I understand a month of transition to max. Five months later is just you continuing to have it, not addressing it. Yeah. That's not your ex's fault. It's you not being a grown ass woman. Cause we're wrong with you. Can't, I'm sorry. You can't blame him five months later. With you eating out. What are we doing? What kind of cope is that? That's ridiculous. My air fryer was kind of broken. So like I needed a new one. Oh no, get a new one. That's how many McDonald's trips is that? I eventually got a new one. Eventually did. It took us months to get in her. No, it was a Christmas. Christmas was three months ago now. If not. Yeah. Yeah. And then I also was like having like a crisis last year of like almost turning 30. That was last year. We're three months into this year and also nothing happens when you turn 30. You turn 30. Yeah. Are you a child? I'm so confused. What is your crisis? I just felt like I wasn't like an adult. Are ovaries are getting drier? Like what's happening? No, I just felt like I wasn't like an adult. So like I was trying to like. You're certainly not acting like it. So our crisis means if you were having a crisis last year about almost turning 30, you should be addressing all the stuff that you just blamed on your ex. That doesn't really make sense. I mean, I'm being told, he literally told you that you're bad with money. Yeah. If he's telling you you're bad with money and you're blaming all the habits on him, like what the f**k are we even talking about? This is you being a child again, even more. Yeah, but we had very different finances. So I didn't really trust his opinion. Well, there's like one thing I can't really go into, but like. Oh, good. Sorry, but. I'm going to be on a podcast about your information. Well, that's his information, not my information. Okay. But you're basing your entire established thing that we're about to talk about right now off at him. We had different bills. So it's like him saying I was bad with finances when we make different amounts of money. He made more. We just had different bills. And so I had, I had more that I had to pay for than he did. What's I, I, I'm kind of confused on how that impacts anything. Adjust your spending. Well, I'm saying that. No, him saying that I'm like a bad with my money is just like. Maybe. He didn't. We didn't have the same bills. Were you bad with your money? Maybe. Probably. If you're on financial audit. So I would say yes, actually. Um, no, this doesn't make any sense. But if he's telling you that, how can you even blame it on him though? Well, like I said, he gave me like bad habits. He would just like spend money and like not really think about it. He didn't give you bad habits. He was using his money the way maybe he could or maybe shouldn't. Doesn't matter. That doesn't affect you. But he was also telling you at the same time that he thought you were bad with money. It's also telling you you drank too much for what it's worth. I'm hearing. Okay. Yeah, but he didn't drink at all and getting drunk at like my friend's open bar wedding is not like drinking too much. Is that all that happened? I don't think someone says you drink too much when you get drunk once. Um, no. And then there was a mega con party like the next month, but other than that, no, I those are the two times that I was drunk last year drunk. I don't think it's just about getting drunk. You would order drinks. I have notes from, uh, from the situation with him that he would always have to cash up you when you guys were going out because you were just getting drinks left and right and he wasn't. No, I was just, so you were just spending more. I again, don't think that's his behavior. I think it's in fact that I actually say maybe he was actually doing pretty well. If he's carrying about those extra surcharges that you're putting on the bill all the time, maybe he was actually very financially confident, secure. And if you went on a date, you went on a date you're going to cash up your girlfriend because she got like a cider with her dinner. So potentially it depends on the relationship list and I'm not, I wouldn't, but clearly I don't think if you were implementing the habits he put you on, you wouldn't be in this position if his habits are a guy that would cash up request a cider. Why wasn't going to cash up him when like we would go out to dinner? Well, then you aren't picking up his behavior. Honestly, you're just getting the behavior that you like, the behavior that feels good to you and you're copa blaming it on him. Because again, if you were picking up his behavior, you would pick up that potential good habits. And I'm not saying you necessarily need to do that in a relationship or on a date, but clearly he was someone that budgeted, cared about every purchase. Yeah, if he was cashed. He did not budget. I promise you that. If he's cash, cash appying you for every drink, he is clearly at least mental budgeting thinking about the price of where everything is going. No, he just didn't think it was fair that he had to pay for my drink. Did you guys split the bills? No. So he would take 90% of it and you would pay for the drink. No, like he would cash out me then for my dinner. Like he would, he would end up. So you guys would be splitting it. Oh yeah, I guess so. So there you go. What's all, if that's what you guys were doing, then who cares? Obviously it makes, if you guys split the bill, then yes, if you were taking the drink and make sense that you would pay for the drink, why would he take a part of the drink? I'm confused. Well, like you want a date like. Yeah, but if you guys are paying for your, what you guys consume, why would he take on your drink? That doesn't make any sense. Well, like if you're going on a date. Oh my gosh. But you guys stop saying about if you're going on a date. You guys already decided and were okay with taking care of your own part of the chart. We didn't really talk about it and agree with it. I would just like. But you were doing it constantly, meaning you were accepting it going into each situation. Yeah. You can't have it done a hundred times in the past and expect something different the hundred and first time. Well, eventually we talked about it and I was like, Hey, let's like alternate. And then he, that's when he was like, well, I don't think it's fair that I have to pay for your drink when I don't. But then I was like, we would alternate like, like you buy one meal. I would buy like the other. And then it's like, that's I understand his perspective. Again, I wouldn't necessarily do it, but he doesn't have a wrong perspective necessarily about that. And the, but it's still doesn't make any sense how you're blaming everything. You're in based on that relationship. That doesn't make any sense. You just, that's literally what you said. The other half is like the crisis that I was having. What crisis? Oh, the 30 crisis. Yeah. Okay. What is this crisis? Please tell me this crisis informed me about your special little crisis. Well, I was about to turn 29 or it was like, I was 28 about to turn 29. And I was like, that's not 30. It's almost 30. And so I was like, well, I'm not, you know, when you're just like, well, am I happy with where I am in life? And I like, is this where I want to be? So I just had our, these questions and I started like, do you never just think about that? You thought about them in one big batch for the first time ever. Yeah, kind of. What's wrong with you? Okay. That's weird. Why aren't you thinking about, okay. I don't know. You never think about your life. Um, no, but like, I just, like I was like, I started thinking like, am I happy in this relationship? Am I happy in my job? Am I happy in where I'm at? Do I still want to be in Florida? Like I started thinking about all these things. And then I was like, oh, I'm like, turn life crisis at 29. Well, you can't call it a quarter life crisis. So cause that's 25 is quarter life. So, but anyway, so like, so then I just started thinking about everything. And then I was like, oh, I have to make a lot of changes. So then some of the, some of it came from like all these changes that I made. What changes? You haven't budgeted anything. What changes are you talking about? You mean just breaking up with him? Well, that was one of them. Okay. Why, why, why did you pull the trigger on the guy that room and 50% of your finances apparently? Oh, there's a lot of things that would take too long to go into. But, um, no, I just was like, I don't, it just, I don't even know how to just, wow, that was nothing. How about an answer? I wasn't happy. He wasn't really always being nice to me. And like, it just. What is that? We were in like. We were in like. All beverages you want? Like. No, like we were in couples counseling and it just was get, it was like every month was getting worse and then every week was getting worse. Then I was. The worst in which way? If you're blaming all your finances on him, you have to tell me how it's getting bad. Well, we were just always fighting and like. About? He was like everything. Like I got to the point where I felt like I couldn't agree. You can't give an answer. You're just like general term. He would get mad when I would go hang out with my friends. He would get mad. Every single time. Um, if I was only allowed to have plans pretty much if he was already busy. Like if I was like, Hey, I want to hang out with my friend. What would he say? Like, what do you mean? What would he say if I asked him about that topic? The same thing. He would say, no, I don't want you to hang out with your friend. He would say, he would say that I was not prioritizing our relationship. Even though I mean, is that true? Were you guys having enough quality time? Um, our schedules were a little opposite, but I was like, you guys weren't having enough quality time. So every time that you guys had those available moments, you would go away. And I think that is relatively fair, especially for relationship is struggling. Quality time is critical. At least a few times a week. Well, yeah. So then I would be like, Hey, I want to go hang out with so and so, um, either Friday, Saturday, Sunday, which day would work best for you. And then he either wouldn't get back to me about it, or he would just be like, annoyed that I wanted to go have dinner with a friend for like a couple of hours. And listen, I agree. I, I wouldn't be too crazy about that. I know I would want you to go on and do things. It sounds a bit hypocritical. But again, if you're saying there wasn't enough quality time, potentially relatively fair in general to be upset to a point, but. But then he could go do whatever he wanted. Like he would be like, Hey, so what else? What else? This is the whole root cause of your finances, except for the crisis. He didn't support me going back to school just because it would take time away from us, even though it would be better. It could be better for like my career path. Okay. Well, this is excuse because he wanted to see you because he wanted to work on the relationship though, when he was talking about. No, he would just say, he would say he literally said the only reason he didn't support me going back to school was because it would take time away from us. Yes. But because he wanted to work on the relationship or just, oh my gosh, you seriously cannot answer questions. What the fuck is wrong with you? Well, I mean, just repeated yourself and then I asked to go deeper and you could have to work on the relationship. Like he wasn't proving it. Like we went to couples counseling and he wasn't willing to change anything. He didn't think he was doing anything. What did he need to change? Just like probably being less selfish. What was he being selfish on? It was always his, it was like basically his way or the highway about like everything. Like I would go to Pilates and he would be mad. Okay. Was it because he said that you guys needed to spend more quality time together to work on the relationship? I mean, I guess that pretty much it is. It's just a time thing. That's all you guys disagreed on. Yeah. But like he would get mad when I would literally go do anything, which sounds bad in theory and actually might be, but that's why I'm trying to ask the question is if it was because he was trying to make sure there was quality time to fix the relationship and you cannot answer that question. It's kind of pathetic the way you can answer that. He didn't say word for word like that, but I guess he would say, he would say, he was, was that ever talked about exactly? Was that ever talked about in couples therapy? Yeah. Well, there you go. So you have the answer. So it's not just he didn't want you to spend time with your friends. That is you manipulating the topic. That is you manipulating the topic that clearly wasn't it. It's because he wanted to work on the relationship and the fact that you had to skirt around that like crazy is clearly showing these. You try to manipulate how things are working. Now don't get me wrong. If things were going relatively well in the relationship and we weren't dealing with quality time issues and we weren't in couples therapy trying to fix it and he was getting mad at you for doing literally anything and be like, no, you can't go back to school and spend time together. I would be totally anti him and I still probably am anti him to a point. Don't get me wrong. But even still the way you're trying to skirt around the answer about how clearly he was just trying to set some more quality time aside because you guys were dealing with that issue and couples therapy is really weird. Also, he's not here. So it's not the biggest topic in the world, but the fact is I might call him. Honestly, if I'm being completely real, we'll see. I'm probably going to call him. Actually, I will call him. But either in the episode in the post show, we'll see how this thing goes, but you're blaming all your finances on him. So I need to figure out the relationship 50%. So it's important to know how the relationship was ending. And that makes sense. I understand why you ended it. I think you were clearly checked out for a long time. If you were not putting quality time aside and not willing to work on that. I was trying to put quality time aside, but it was like, I'm not, I'm not going to let somebody control me and I wasn't controlling. So how are you going to tell me what to do with my time? Especially when I'm like, he would just be like, it would be Friday and he would be like, Oh, you still work with him? Yeah. Oh. But we don't work like together together, but he still works at like my agency. Yeah. But like, I haven't talked to him in however many months. Okay. So. Now, what did this crisis though deliver into actually here? Cause that doesn't make any sense. Well, I... You fixed things. All that you did was end a relationship that you already checked out on, but okay. Yeah. And then... What else? You're still in Florida. So there wasn't that. Correct. Well, I'm not going to leave Florida until like my parents are there. I know, but you said those one of the things you're thinking about in your crisis. So I don't know if that's the other 50% of why the f**k you're in a bad situation that has led you on to financial order. What is going on? I'm trying to get there. Okay. Get there. Well, then I was like, oh, I still dress like I'm in like high school or college. So then I wanted to buy a new wardrobe. Interesting. And then I also was like, hey, I used to want to be an actress. What happened with that? Maybe I should give it a go. And so then I started looking into... Okay. You looked into it. Please tell me you found nothing. Well, no, I went to LA in November, like a week after I broke up with him. What? Yeah. You see, we see how she is now. She broke up with the guy that she wasn't willing to put work into that he was begging for extra help on for quality time. And then she goes to LA a week later. Are we starting to understand the picture here? I had an opportunity to be in something. Are we starting to understand the picture here? What happened? In LA? I had a little love LA dream. Oh, no, I was out there for like 42 hours because I got an opportunity to be background in a movie. An endy film. An opportunity to be background in a movie? What? What? What? In an endy film. What was your type of background? What are you doing? Oh, literally just background. Oh my goodness. You consider that an opportunity where you paid? No. Exactly. How do you flew to f***ing LA? It was an endy film and they're like on a budget. I know. So why the f***? It's not an opportunity. You didn't have an opportunity. You did something that was just cool for fun. You didn't have an opportunity. Is that set on your IMDb? It will be. What? When'd you do this? Um, it was in the beginning of November. It's on your IMDb. Well, not yet, but it will be. It'll be like the end of I think it's 20, 20, 27. What? Girl scene in the background? If you're even there? Well, they said we would get IMDb credit. That's also if that, that if you're even in the f***ing charter, if that scene's even in the movie. Yeah. Things could cut all the time. One scene will be in the movie for sure. There's one scene that might be cut. And what were you doing? Literally just standing very far in the background. Um, depends on what scene they use. Oh my gosh. The one that you said for sure is going to be in it. Well, they did a couple takes. So I mean, they're going to be in the far back of it or I'll be. Do you mean what? Drinking? What? No. Just kind of standing there. Oh my. Okay. So this is your acting dreams taken off. You left your, you left the guy that loved you and was trying to fix things and was going to couples therapy for you for you to do that, to pursue that. That's your love LA dream. Okay. Well, that's a bit dramatic. Is it? Cause you literally went like a week afterwards. I don't even think that's traumatic. You clearly how you're doing it. You're, you're honestly just being that. Hey, Sainsbury's, we get through so many snacks. Have you got anything to help me save? Well, we're always matching and lowering prices. So hundreds of Sainsbury's fresh fruit, veg and everyday products are price matched to Aldi and every week with Netto, you can save money on thousands of the products your family loves. So you can snack away knowing you're saving money. Sainsbury's good food for all of us selected products. Aldi price match not in an eye. Netto prices require nectar account terms at Sainsbury's dot co dot UK slash Aldi price match and netto dot com slash prices terms. Being what bad a bad person. A guy was trying to work on some things you abandoned and you flew to LA to be a background person. He wanted me to change, but he wasn't willing to change. So he was not not work. I wouldn't say he was working on. Okay. So this is from IMDB, but we'll see what happens. Background actors generally do not receive automatic on screen credits, but you can add yourself to IMDB as uncredited for roles where you are recognizable in the final cut. Well, that's what they told us. So good luck. Thanks. Now, oh, I'm actually being told something completely different because you can't tell the full truth at all times. You paid. Oh yeah. To be in the background. Well, yeah, I paid for like my flight in hotel and all you have to be in it. No, I paid for my trip. It wasn't like Ram Birst or anything and I didn't get paid for the gig. Okay. So in the end, you still were just paying for something that's not going to benefit your career and anyway. Yeah, but it's like, I'm sorry. Why do you think you're going to be this acting thing? Honestly, like if it happens, it happens. If it doesn't, okay, I have my job. I don't have it's been, I used to have a lot of people that were want to be actors on the show. Um, it's been a long time. So this is very interesting. What's your plan here? What's your grand scheme? Um, well, I kind of put it a little bit of a pause on it just because I'm doing school right now too. But okay. So great, great career. But I've so successful. I've had like a couple of commercial auditions since then and then auditions. Yeah. Okay. Anyone can audition. Yeah, but when you're starting to continue, continue, continue. We all have to start somewhere. You're right. You're right. Continue. You suck with money. So you download a budgeting app. You start with the classic one. Why Neb? But everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rock and money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise bills by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial dollar wise.com. Link in the description below. That's kind of stupid. I'll be honest, but what's not is actually getting a checking account that gives you free money free money. We like free money. You can get up to $350 and bonus cash right now. When you sign up for the checking account that I use time. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought that's incredible? Check it out. Link in the description below. Sign up for time. Get that $350 right now and your checking account. We all have to start somewhere. Right. Continue. So anyway, I just was going to kind of audition, but I'm trying to get through school right now. So it was kind of a bit of a back burner because I've been a little busy with that. So that's your acting vision? Well, eventually I would like to submit more and like, I know people who like have. I wouldn't recommend it, but if you were actually trying to pursue acting, wouldn't you be trying to pursue acting instead of school? Well, it's I already kind of started and I only have after this class, I only have one more class. So I might as well finish that. What is it? What's your school? I'm getting my graduate crime analyst certificate. Okay. Okay. Okay. That's a play. That's a play. I like that. I mean, what kind of career comes with that or a pay? Um, well, I'm not really sure. I did just have a let me finish. What's up? Let me finish. So I'm staying at my agency, but I have, I did apply for a job and I had an interview. I just haven't heard back yet, but it would be like a pay cut. I'm just hoping it's not that much. If I get it. Wait, you don't know how much of a pay cut it would be. Well, so it said it was negotiable, but the original like negotiable. Yeah. Well, because it will probably be a pay cut, but the original job that you get with this certificate, a crime analyst, hence crime analysts in the name. See, you're drinking your game or subs. Very delicious. 40 cents per serving. I have to use my code of game or subs.gg code Caleb. Get your free samples by typing in code Caleb. Use my link. Get your free sample seal flavor you like and then go ahead and get them instead of stopping in the gas station and getting your bullshit. Okay. Yeah. So you're getting a median about 56 to 57. That's about 26 to 27 hours a year. So your meeting actually is a pay cut. Why are you getting a, well, that's median. That's not even where you're going to start. So historically, you will be at a pay cut through the majority of your career. So why the fuck are you even pursuing this? Well, because I don't want to be in dispatch. That's great. Why don't you do something where it's a lease level pay? Because you're already struggling at 4,200. Why are we doing something at a pay cut? That doesn't make any sense. Because I don't, well, yeah, I make that much as a dispatcher. I want to stay at my agency, which is why it would be negotiable because I already was still a pay cut. And regardless of the agency thing, the median pay as in people at the height of their career, not even it takes to count people to hide of their career is still a pay cut. Well, so you don't have a what? I don't want to be like a cop. So like, where else am I supposed to go? Are you only able to be in crime? Well, I'm not going to know what you can do in life. I'm going to go pick a job. It doesn't make me happy. So crime is the only thing that makes you happy. Crime and acting. I don't know. I haven't really considered other jobs. I don't know what else I would be good at. Dumbass, take your career assessment. What is wrong with you? I don't know. I like where I'm I like what I do. That's great. But you can't afford doing what you do. You've established that. Well, maybe, but it might not be that bad of a pay cut. It's a pay cut regardless throughout the rest of your career. So it doesn't make any sense. I understand not wanting to be a dispatcher. I wouldn't want to either. But why can't you at least move laterally? I obviously want you to move up there at your career. There's not this. This is crime. I don't know. I don't know. Like I can't think of anything else that I would rather like what I would want to do. You haven't looked at anything. You want to do you have a bachelor degree? I do in criminal justice. Hey, and I have a minor in psychology, but like I'm working in the court system or trying to work. And I feel like there's a lot of options though. So there's a lot of crime that happens. Well, yeah, but like crime analysis kind of like I do a lot of that already and I like it. I mean, okay. So you're okay with the pay cut. I mean, if I can get if it's not that bad because I know that it's going to be a pay cut through the majority of your career. You're okay with that because if you're okay with it fine. Well, yeah, if I can get out of this debt situation, then it's how with the pay cut that doesn't make any sense. Because you're about to complete the sort of listen because I want to get you a certification and something that course careers has because people in the audience get those and they convert them to like six figure jobs. That's what I like. I like course career certifications. You're getting a $5,000 a year certification. Doesn't really make sense to me. Doesn't really make sense to me. I understand. I mean, it sounds like you're working 530 p.m. to 530 a.m. I wouldn't like that either. I just didn't want you to move, but I want you to move later really are up and acting ain't going to be it. What is that? I feel like that's your little lever. I feel like that's your little ski patch. You're willing to do this. Take a pay cut because you think acting is going to take off. I mean, it's like your guy for that. This is your little mass. I didn't know I did not. You immediately paid to go to LA to be in this thing. That's not going to help your career. It happened right after it could have been at any point. Come on. Look how it looks. Come on. I did not leave him for that. So obviously you could be a police officer. You don't want to do that. Sure. Definitely don't want to do that. Stay true. But don't want to do that detective. I mean, that could be interesting. Well, you can't. Most agencies, you have to be a cop to be a detective, which there. And the analyst makes sense. The crime analysts work with the detective. So it's kind of like, yeah, for no money. Obviously you can work federal. Well, usually federal, you would have to move where they want you to. Fair enough. Not always, but I think most of the time. Which is fair enough. I'm sure they got something important though. Florida is what is the fourth most populous state in the country right under. No, third, I think right under Texas. Okay. Okay. Then obviously there's in corrections. There's an investigative forensics like crime scene investigator crime scene. I would have to go back and get a whole degree colleges. I know, but if we're talking the rest of your life, it actually might be worth it. And then obviously private investigators. I'm not doing crime scene. I do. Okay. So you literally want to do a pay cut. You're not willing to do anything. Okay. So this is what you want to want to want to do besides acting. Well, yeah, but I mean like, So there you go. Okay. So let's establish you'll make 45,000 dollars in place and adjusted for the rest of your life. But if it's not, if it's too much of a pay cut, I was going to turn it down. Cause like, You do this forever. So you're stuck in this forever now. Well, no, there's, so there's other and I've applied to other analysts. No, I've applied for other crime analyst jobs that have different pays. They're all a pay cut. But like, I could eventually make back what I'm making now. It just might take me a few years. But that's above, that's above the 50% threshold is where you are now. Like honestly, at the very, very, very, very peak, people start making about 70,000, which is great. But that's, you'd have to be in the top. Like. Yeah, but I would have like the rest of my career to get there. Right. But the majority don't get there is what I'm saying. So why are you special? Probably not. Probably not. Exactly. So it doesn't really make any sense. It doesn't really make any sense. But I will say like my current job in my agency, like four civilian positions, that's like one of the higher paying ones. But I just don't want to give that up. Well, I mean, I'm not like, again, if it's too much of a cut. Can you make a living off of 45,000 hours a year in central Florida? Yeah. Well, I don't think so. Well, why the f*** are you accepting it? Cause that's where your career goes. But it might. So they have a max salary of like whatever it was like 50,000. It says it's negotiable. So I feel like I might be able to do like one or two dollars. I have this, the one or two dollars is not going to make a break your life. If that's unsurvivable, by the way, just, just to let you know, if it's unsurvivable, but too, we have the analytics pulled up from central Florida. Where you live. Where you live. You're not going to do very well for very long. Maybe. Maybe. Okay. So the midlife crisis led you to the certification and certification closed, leaving this guy and pursuing acting. The medium in median income. For central Florida, 62,000. You're going to be making under the median. I mean, there might be overtime and I could always might be. You just always do all this. We have the statistics. I don't know why you think you're going to be this very top level above everyone else, no matter what in every case. I can keep like my dispatch credit. You're going to make them living and acting. You're going to make a what, huh? Well, no, I was like, I can also keep my dispatch like certificates and stuff. So it's like when there's overtime and dispatch, I can go work overtime still. So it's like, or there might be overtime in the analyst position. Like there could be. I mean, told that you hate your current job anyway. So you're going to be working overtime. I mean, well, I was like, what are we even doing? I worked a lot of overtime last year. I do work a lot of overtime. Last time, why not this year? We're three months in. What the you doing? Well, I have been. I just said last year. Well, I'm just saying, well, just because I did my taxes. But I'm so I know how much I did last year, but how much did you do last year? Like $10,000. Okay. But like I was your total last year. Pay 16, 8,000. Okay. And you're going to go down to 50. Well, I could pick overtime. Maybe maybe. I mean, I don't hate my job. I'm just it's more of the night shift that I'm kind of done with, but day shift doesn't solve any problems. So, okay. So what's crazy in here is you are in this situation. You blame it on the X. You blame it on a midlife crisis. But the reality is, I know for a fact, your mom's an accountant. She has made you a budget. Your mom's an accountant. She has made you a budget. If your mom has made you a budget, you not following that is on you. You've been given every resource, every piece of help, everything possible. Yet you blame it on a guy that was trying to fix your relationship and you blame it on a midlife crisis, which even isn't. You're just being a little dumbass brat for being honest. This makes no sense. Your mom made you a budget that fits your life. You being in this position at this point is on you. When did she make that budget? Like three years ago. When I first moved to my apartment. What are you even doing? Well, I don't know. It just like didn't really, I felt like it didn't really make sense. It wasn't like... It didn't really make sense. Why? It was just kind of like, here are your bills. Yeah. But it's like, I know my bills are. That's important, do you? Yeah. Then why are you struggling? Cause I don't really, I just kind of like swipe and tap without actually looking. Like, I get like, when I get really overwhelmed, I just like stop looking at my stuff. Then how do you know your bills? How do you know your minimums to payments? What are you talking about? If you just don't even look, how you can't know your minimums? I always pay more than the minimums. So I also don't know. Do you always? That's what people always say when they always don't. Yeah. I pretty much, I consistently pay more than the minimums all the time. So that's why I don't actually know what the minimum is. You know what happens every time someone does that? They spend more than they put towards it regardless. So it doesn't even make sense. Especially for your uncontrollably swiping and tapping. You don't even know what's happening. You're definitely spending more on them than you put towards them. Even if they're above the minimum. So it negates the entire thing anyway. And it's worse than just making the minimums to payment and not spending anything on there. I did notice that like a few months ago. Uh-huh. And then you didn't fix anything so great. Because I didn't really know how to. And then I realized I was doing it wrong. Oh, you don't swipe, you don't tap. So if your mother has made you a budget, why have you not gone and asked for a new budget? Now that you're on your own, no boyfriend, all that stuff. Well, because I was, I tried to do it on my own. I thought I could do it on my own. Well, that has failed. When did you think you could try to do it on your own? Well, I've kind of had like this budget for like a year and a half or two years now. You've had a budget for a year and a half to two years and you've ended up in this situation. Maybe your budget's not working. Well, clearly. Well, clearly. So why try that for a year and a half of not working? I don't know. I've like adjusted it a few times, but like. Adjusted it in what way? That's not, look where you are today. You can't tell me you're adjusting it and expect that to be an answer that's reasonable. Well, like I pay my bills and then I. Is what everyone says who has late payments. So let's find out. I promise you there's no late payments. Okay. Let's see if you're the first one in financial audit history. I do not have any late payments. Oh, I hope so for your sake. I'm not rooting for you to have late payments. But yeah, and then I just like it's, I guess it's the budget of like the leftover money that I don't really know what to do with. How do you have leftover money? Wouldn't your leftover money just go towards debt? You want to be debt free so you can take a lower paying job? Isn't that what you just said? Isn't that our entire entire. When the tax year ends on the 5th of April, valuable tax allowances may be lost simply because people left things too late. Thankfully, Vanguard is here to help you make well considered decisions, not rushed ones. Their tax year end hub is full of clear guidance, helpful tools and timely reminders to help you understand your allowances and give your investments the best chance to grow. Search Vanguard Investor to learn more. When investing, your capital is at risk. Tax rules apply. Isn't that what you're trying to do? Isn't that what your future is? So what leftover money? Your leftover money goes to paying off debt so you can do this job? Well, yeah. So then I'll like, I'll like. You live on your own? Yes. Okay. How do you afford that? What's your rent? Base rent without anything else, $16.90. Oh, f***. Yeah, that's chunky. With everything else? The only thing I don't pay in my rent is the electric. Why? I don't know. They have the Wi-Fi and the, like the internet is in my apartment, like in the total. Oh, you mean you pay your rent separately or your electricity separately? Oh, yeah, yeah. How much? My electric? Yes! On average, probably, well, it depends because it's Florida. Oh my f***. Well, you know, in the summer it's like a hundred and something dollars and in the winter it's like $50. So it just depends. $75. Okay. Is that the average? I'm not good at math. It sounds like it based on what you said. If you even know your f*** numbers, which I don't actually think you do. I did try to like figure out what my... It was like 1700. I did try to figure out what a month emergency savings was after watching your show. So I did... What did you determine? I don't have it memorized. It's on my iPad. Oh, good. 41% goes to rent and basic electricity. That's disgusting. And then you're going to take a pay cut regardless of your debt minimum to payments. There's no way you can survive on that. I can't keep working nights forever. I agree, but that doesn't mean the only other position you can take is one where you take a pay cut. That's what I'm trying to say. I can't leave my job in the next two years. Okay. Your rent is $18.42. Well, that's with everything. That's why I said base rent and then if you wanted to know everything. What's everything? Everything would be there's a community fee, Wi-Fi, and then like the water and whatever. You dumbass. Why would I ever want to know just base that doesn't... Well, I said rent question mark. You absolute stupid. I normally put like 18... 1950 is your rent and basic utility. Okay. Now we're at 47%. A budget 9... 47%! 47% and you're f***ed. Central Florida. Central Florida. Your job. Your job that you're choosing to get a pay cut of which now your rent's going to be like 55%. Well, I can't leave. And that's before that minimum monthly payments. And you're already in the negotiating phase for this job anyway. So you're going to have to pay cut regardless. No, I'm not. And this average pay, this average pay, remember it came with your average overtime. So this isn't even just base pay. No, that's not all the average overtime. What? I asked for your average f***ing pay, which included overtime and you said... Well, I would rather... Shut the f*** up. You said and with my overtime, I think it is 2100. Well, I would rather budget without the overtime. But you said and with my overtime, 2100. Sometimes it might be. Oh my f***. Oh, you broken individual. I know that like 2100 a paycheck is like pretty average of what I get. And I know you're not willing to move somewhere else because you're at a place that's a thousand square feet. I'm being told and you refuse to move to somewhere smaller. It's a nice area. Nowhere in central Florida is a nice area. One, two, but like, crime-wise. Still same applies. And two... Nothing really happens in my complex. A complex. Buddy, you can move to a smaller unit in a safe complex. Oh, well, yeah. But it's still going to be like base rent is still like 1500 most places. What is this? Oh, listen, all I care about is what it costs in the end regardless of base rent versus fees and all this sh***. Well, I don't know because I haven't moved. So I don't know what other people's fees and stuff are. That's the only way to figure out what rent is. You have to move to find out what rent is. Well, I just look and it's like base rent is like 1500. Bro, call. Email. What is wrong with you? Why do you have no ability to Google or do anything? I don't want to move. So yeah, but you might need to after the pay cut because with overtime. Yes. It is 4200. Well, that's what comes in and you're taking a pay cut. I'm at least stuck here until November. 3800. Looks like 3800. So if your rent is what did we determine like 2000 after everything? Right? I guess. 1950 after everything. Now we're going to bring this down to about 3800. Yeah, it's going to be 52% of your income. And again, that is before your debt. Before your debt. And I know there's extra on top of that too because you use your mom all the time. Use your mom to buy things. You know, like I'll just pay you back. I'll just pay you back. I'll just pay you back. Yeah, because we go do stuff together. So she'll pay for it and then I just split it usually. Yeah, but I'll just pay you back. Yeah. So calculate that with the 52% going to rent and that is before any extra things that are going to be done after your pay cut before any debt before any other living expense. There is no way you're going to be able to do this. You're done. Well, I can't leave my agency for two years. Why? What happened? Because they're tuition reimbursement. I'm like, I have to stay for two years after they pay for school. Okay, then, okay, what? Two years from when? Well, my last class will be a summer. So, and they'll, so I'll get the refund in August probably. Then I would grind for two years on the better pay worse job because at least you can live. Potentially gives you a better shot. And that sucks, but also you only be 31 at that time. Oh, scary. Stop it, Patrick. You're scaring him. Sounds scary. Oh yeah. I guess it is. It depends. It's more than night, like I, with the job, it's just the night shift thing. Like I want like a normal life. I don't have one. Well, the more and more you work there, the more leverage you have, right? To get the day shift. Well, I don't want to go to day shift. Well, I don't want to go. I hate the night shifts. I don't want the day shift. What is wrong with you? I don't want to go. You are such a brained individual. My therapist probably agrees, but. She does 100%. She probably also enables you. No, no, I have a really good therapist. Enables her. But I go 5.30 a.m. to 5.30 p.m. is not going to solve my life. I'd have to go to bed at like 7.30 p.m. That's crazy. Not necessarily, but it depends. I'd have to wake up at like 3.30. Choose. I hate the night shifts. I hate the day shift. Do you hate that job? Well, I want, no, I don't hate the actual job. But you hate either of the two shifts. Well, no, I just, I don't want to, I, sleeping wise, I'd like to just have like a 9 to 5. Like I'd rather have a normal life. I would rather that too, but you set yourself in a position where you can't. So grind for two years through the poopy position and then 9 to 5. But like the annals position. Oh my goodness. What? Well, they don't come up. What? What? It's like, they're very competitive. So you kind of have to like apply for them. Like I've been applying for like three years to get out. So it's like, you kind of have to apply every time they come up. Now, whether I take it or not is a different story, but like you kind of have to like get out there. I'm telling you, no. Do not. We focus on paying off debt and sending yourself up for success. Okay. I really don't want to, but okay. Is life all about want? You do have to pay for the mistakes you have made. I know. And you have to accept the reality of the rent. If you refuse to downgrade your rent situation, that is your choice. Your choice is making that you have to continue to make more money or downgrade your living situation. And you can take a pay cut. Well, eventually I'd also like to be with somebody so that it would. Well, good luck because who would want to be with you? I'm sure a lot of people. Okay. One, you're not willing to work on relationships in a healthy way. Two, you abandon them for LA immediately. Three, you make horrible career and spending choices. And then four, the moment you break up with them, you blame all your mistakes on them. I didn't blame all of it. Sorry, 50% of your mistakes on them. Freak. Like what? Of course. Who's choosing this? I'm sure a lot of people. When was it the last time you saw something that looked like her on screen? I don't think you're going to get a job. I don't think you're going to be on camera. Oh, we're back to acting. Okay. If budgeting apps make you feel like sh**, this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment. They're failing. Too many categories, too many rules, too many regulars, screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't common from your spending. It's common from having zero clarity and using tools that turn money into a failing grade. 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The number one ranked energy drink is Gamer Sobs. But literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10% off your order at GamerSubs.gg or click that link in the description below. Type in code Kaleb. Yeah, I just don't think it's gonna happen. I'm sorry. I mean, if it happens, it happens? I'm sorry, that's the cut the bulls***. Like, I'm not just saying something to be mean. I'm also not just gonna not say things to be nice. If that is what your actual aspirations are, you are in a beyond, beyond, beyond small percent. Well, my mindset right now with it is if it happens, it happens. If it doesn't, that's us. Yeah, but your time and energy could be focused on something that is more likely to actually benefit your life. Okay, well, it could be a fun hobby. Yes, but you are dying a debt. You can barely afford to rent your blame and everything on your ex. Fun hobby isn't necessarily the big conversation we're having when we have to clean up everything. All the mistakes you've made just trying to keep bills met. So I have to stay at this job? At a minimum, probably, unfortunately. But until you at least just pay off your debt, just that, or downgrade your living situation. Choose one. Well, I'm stuck in this lease until November, so... After that, dumbass. Okay, we'll see. What do you think your financial score is? 0 to 10, 0 being the absolute worst, 10 being the absolute best. Oh, it did take your quiz. It was either 1.7 or 2.7. And we love that quiz. Get your number, get your assessment at CalebHammer.com. Take the hammer financial score quiz. It just takes a few minutes and it is free. See where you stand in the world of money. And if you don't want to be like a guest who ended up on the show, especially her, it's perfect for her, download the dollar wise budget app. It is changing the entire budget in that marketplace. It is great. It is actually easy to use. You can actually use it without being overly complicated and confused, like all the other crappy things out there that try to sell you a bunch of different share. This is the one to use, dollarwise.com. Take a free trial to see if you even like it before you commit to anything. Then most people take the annual version because it saves about 50%. And then you get my personal 30 day meal plan that is based on a budget that you can use and stick to for every month, every day, every year, so that you can actually budget yourself and clean up your mess. Check it out. I will sign it and mail it directly to you. All right. Let's get into some ship. Let's get into some numbers, shall we? Now that I understand you. Okay. And then understanding is you're mentally. Yeah, probably. Yes. And I'm surprised. How was he not the one that left you? Genuinely. I don't know. I think he thought I was never going to leave. So 4,498 dollars and 17 cents. Oh, that's more than that now. It's higher. Why? Why? What did you do? What's the new balance? Probably like 56 or 57. Pull it up. I put my flight and hotel for this on there too. Pull it up. Pull it up. What are we doing? See, this is another thing. She opened this car because a random ex-boyfriend told her, do you have no personal ability to advocate for yourself? Well, they sound like they know more than I do. So then he told me to open it. Why? You have no knowledge? You can't check things on the internet? I always question everything. I don't know. I just like they sound like. Easy to manipulate. Like what? What? You just want to see the credit card? Yes. Holf, yep. 57, 0, 8, 80. Dude. Stupid. Minimum monthly payment on a situation where your rent is beyond your control is already $291.63. Because I have like pay plans on there for like. Why? I don't know. They offer it. Oh, they offer it. So we have to do it. Shut the f**k up. It's at a 20.49% interest rate of death insanity. Lift, door dash. It's on here. Door, your door dash and while here, you're here. Why are you door dashing? Well, last night I got back late. So I needed food before it closed. It was like 10 p. It was like 845. To where? Oh, I went to Pilates. You door dashed to Pilates? No. By the time I got back to the hotel, it was like 845 and everywhere was closing at like 10. So I just was like. Go get food. I don't have a car. Where did you stay? I don't like off of Fist Street. It's like fifth and. Go get food. It was dark. What? It's safer than Central Florida. I guarantee you that one. But anyway, so I was like, and I just like went on door dash really quick so I could get food before everything. Exactly. You're on fifth street, by the way, things are open past 10 on Fist Street. You're on Fist Street, Fist Street, downtown, east side. You could go anywhere. There's so many good restaurants and it is. Well, there was like overall safe. Most things were like over a 10 minute walk. It was dark. Oh my gosh. I'm by myself. First of all, no, it is not that dark on Fist Street. It's very well lit. It's dark. It's not. Why are you so afraid victim in this world? Oh my goodness. What is wrong with you? I figured it was safe. So many people live on Fist Street. You walk outside and yes, it's a 10 minute or five minute walk to something. I get. I didn't want to be there at like 9.30. Shut the f**k up. What map do you use? Google map, Apple map. Uh, Google map? No, Apple map. Sorry. Oh, I knew you. Show me your hotel. You are a broken individual. You did not have to door dash and that is a safe area. That is a safe area. I'm not from here. I don't know that. Oh my gosh. Look up. Anything. First of all, what do you think it's just going to die when you go outside? Well, no, I just again, when I wouldn't, I looked at restaurants on there. It said things were closing at 10 p.m. It was like 8 45. So I was like, I'm just going to door dash though. I can get it here before fricking things close. It's Monday. Things close early. I'm also kind of picky. So I don't know. It just was easy. Picky. What's picky? You have every food right there. It's an urban core. Like I said, I don't want to walk around in the dark. What everyone does. Okay. I'll give it a go tonight. What is wrong with you? Delicious. I'm just a couple little walk away. Yeah, that is 10, but you would have been fine. Like my goodness, you're, you're, you're the classic woman in 2026 just listening to true crime all day and you're terrified. Are you here? Something on TikTok and you think you're a little victim and everything. I'm really fine. The crime statistics aren't that crazy. Okay. I mean, I really don't like, I think your ration and I'm not going to live my life. But I'm literally being told. Yes, you do live your life in fear. You literally do not use dating apps because you think you'll get murdered is what you told Lindsay. You are irrational. You are a classic like you think everyone wants to kill women. Like this is not what happens. Yes, there is a statistical more likelihood chance to a woman than a man, but not just going outside the moment the sun is setting that all of a sudden everyone turns into werewolves and they start slashing women. That's not what happens. True crime listener living in fear for everything, not even using dating apps. Freak. I use them. I just like I'm very weary about cause you're afraid of everything irrationally. It makes no sense. TF user. What is that? Oh, I know for a fact you would open it. I need to see your card again. I need to see what other stupid mistakes you use. No, I actually genuine. What is that? It's something you would use now if it still existed. I genuinely. Okay. I don't know what that is. All this isn't TF conversation. This is financial audit. So I'm not having a full conversation regarding it. But not only that you door dashed three times yesterday. So what are we doing? So I think you door dash when the sun was nice and up as well. Yeah. When I first got here. So it's not the fear and you are. Shut the. God. What a fucking cup. Really hungry. Two minutes. A literal across the street. Every restaurant. Great choices. Well, then I also wanted to take a nap. So I figured I was already there. Good. Eat. Walk back. Sleep. Yeah. I guess I could have probably done that. Oh my goodness. And you could use some steps. Open it. And you're also late to the studio this morning because you door dashed to your hotel this morning, which by the way, I know this hotel. They have breakfast. Well, I didn't eat breakfast. I just got coffee. They have coffee. I don't like hot coffee. There are ice machines. Yeah, but like there's no way that. There's no way that coffee. You could have got coffee here. You know where we are. There is coffee options. I actually genuinely didn't. You don't use maps. Why don't you look things up? What is wrong with you? I could never live my life like you. You are a broken individual who can't open apps other than door dash. It's the only app you can open. I actually had to download door dash for this trip. Had to. Well, no, I just, I didn't have it on my prior getting here. You said you're a broken individual. Lift those lifts. You're lifting everywhere. So I don't have a car. You are in the dense area of Austin with walkable to everywhere. Well, I had to get from the airport to here. That one's one lift trip so far. And then I went to Pilates and back. You could have walked to Pilates. This is about five Pilates things around there. Not at the time. It was like seven p.m. I went to a seven p.m. class. There was not any. Where was it? Where was it? Where was it? Oh, I don't know. It was wherever I don't. Where was it? What did things look like? Um, there was a movie theater. Alamo. Yeah, I think so. You could have walked. No, it was like a 20 minute Uber or a lift drive. But I used class pass. I used the same thing. I used the same thing. I used the same thing. But I used class pass. So it's like I also could only go. I only went to the studios. You did a lot of lifts. This isn't just going to Pilates. It's the tips too. Yeah. Because I could charge a separate. Two of those were tips. Still a lot of lift. And I'm getting. Yeah. You were late here. Megan, me start late because you had a door dash to your place. Well, yeah. They got lost. Which by the way, here's the also thing. Okay. She couldn't drink her coffee there. Literally across the street is a coffee. Yeah. I'm not sure. I'm not sure. I'm not sure. I think I didn't get a chance to get a coffee there. Literally across the street is a coffee shop. So. She could have walked downstairs and got coffee and walked upstairs and. Oh, everything said it was like a 10 minute walk. And also a day like savings time. You're you're you're terrified times. No, it wasn't dark this morning. When I first woke up, it was still dark. You weren't late because you ordered right when you first woke up. We film the. What time did she have to get here? 9 30. 930 shut the fuck up. You have no idea what you're talking about ever about anything and number two you were terrified about The freaking out last night. It was still light at 730. It was light. I was out at 8. It was light. No, I got Yeah, I got home at like 845. It was dark The whole my almost my whole lift drive home was in the dark dark in the street lights of downtown I swear, what's you talking about? This Where's the Sun Pass? It's the tolls. Okay. Lots of tolls planned fee from Publix. Well, yeah, that's I Listen, I do not want to do this diminish that there are more statistical likely things to happen to a woman than a man Especially at night that is a statistical reality But you are clearly indicating you are you are clearly using this as a cope just like you use your break up as a cope Just like you use the acting thing everything you've done is a cop blame your accent What not your fear thing is because you wanted to door dash because you door dash coffee this morning when you're gonna walk Down stairs to got coffee in the daylight because you door dash when you first got there during the daylight Instead of actually going outside. It's well lit in a safe area. You would have statistically 99.99% Then fine just like anyone else. Okay, so I'm not does the minute not dismissing Potential extra realities if you're in a sketchy area or whatever you weren't whatever. Okay, I get it. Okay People call all the time. You're fine. You're not a random victim. Okay. I'll go out tonight. Oh, yeah, spend money I have to eat You know what mean my family used to do when we used to travel and do road trips and went to hotels We go to the grocery store when we got places because we couldn't afford going out Well, I did get some like drinks and stuff earlier. Okay, well, that's not like I brought snacks But I like still not food. How am I supposed to cook in a hotel? Oh my gosh, you know what we used to do we got cold meats Bread, huh? I don't like those. I don't care. You have no money get a banana you freak And Everywhere has the microwavable meals and I know that hotel you got a microwave. Yeah, okay So your minimums to payments higher now fucks gonna take 12 years to pay off now Yes, as I expected she does pay more than the minimum by like a hundred bucks and she $32 before she even purchased on her new shit and it's all stupid copes as usual It's not because you're a victim by being a woman. It is because you wanted to Do bullshit and go to this what is this? melee How am I caca what call it comeilaca? Me like Malay Okay pretzels bullshit food bullshit food bullshit food Mexican food Past month, that's fine. Sun pass. That's fine TJ max getting into bullshit all to $110 check full A Barnes and Noble It's not cuz you were gonna get going outside that you had to do all this And it wasn't cuz your boyfriend well that was a lot of that's Christmas. Okay all this stuff after Christmas I highly doubt this chick-fil-a was highly doubt that Starbucks was highly doubt that McDonald's was highly doubt that she After Christmas was highly doubt that membership after Christmas was highly doubt that Chipotle after Christmas was highly doubt that What is class pass? It's like a you can go to like different workout classes and stuff like that, okay Well, okay, that would be fine. I'd be okay with that highly doubt this cat you paint She's paying $30 for a casting network. Oh, so it's not it's not just free. That's not just free It's not just passion. Yeah, uh-huh. Okay, and that's not for Christmas and neither is TV's for Christmas So shut the fuck up. It's for Christmas. You know what you're talking about. You are coping. You're a coper You're a coping and you're getting fees on hotel and Yankee and Pilates and chewy So you have these financing fees that you're doing like Alta and Publix and Publix shut the fuck up $22 of fees this year so far already actually no that was just within January and within January 40 hours intro shut the Fuck up shut the fuck up shut the fuck up. You went to Disney for a bullshit wine festival that ain't Christmas shut the fuck up It was for my birthday. Shut the fuck up It was for my birthday. Okay, that ain't Christmas. I don't care you turn a scary age You don't you're not even happy about it shut up. I don't care you're coping you're coping you're coping about everything I have an excuse for everything and I don't want to hear it. I do not want to hear it You're already maxed out on buy now pay later and you're getting fees for it every second of your life Well, I thought I was I don't want to hear it I thought the plans would be less than you thought everything you know nothing Kind of true But I thought the plan I thought the plan option because it you don't get charged interest you get the plan fee I thought the plan fee would be less than the interest. So that's why I did them. I Don't know if that's true or not, but I don't So you know you can just not spend on a credit card You know you can just spend money not spend money you don't have and you'd be totally good Well at some point I was like that I Would say that's better at some point I was like, okay, I can I can pay this off and then it kind of got out of hand where I couldn't oh Because they are my friend shut the fuck up. No, like it just makes no sense. This is you this is your responsibility You're a child you're immature shut up. I'm sorry. Okay. This is your your coping excuses They're so stupid, especially when they're baked in irrational dumb assery. It's absolutely stupid listen Listen, I'll let you use the mine card used to be called the fizz card down It's a debit card that builds credit. I know you want to build credit Well, these are won't you won't let you spend more than what's in your checking account. Okay, that's the way to do it Here's the reality. You also have a Wells Fargo Platt and visa platinum card. Yeah, I open that one up for tuition What because it's tuition reimbursement, but and I didn't get approved for student loans So I just opened that up because it was zero percent. Why don't you approve for student loans? so I my my co-worker and I tried to figure this out. I think it's because The certificate is only four classes and I guess I don't actually like so you put it on a credit card How else was I gonna pay for the tuition? I would rather do a private student loan before a credit card What was 0% APR and so for now until it's not 20 years to pay off 2027 is next year. It's not that far away anymore I'll get but I'll get reimbursed and then I did do two balance transfers So it's just balance transfer balance transfer balance transfer. That's all it is and then you get the fees added to it. Yeah So this isn't the student loans is a balance transfer well It's student loans and or it's student loans and the balance transfer. What I don't see the student loans I see is it higher now because I only have a balance transfer 2567 um It I don't know cuz it December I got to Reimbursement oh I put the semester's tuition on it I So stupid What and Lindsay said you blame financial audit for doing the balance transfer cuz you didn't know what they were before yeah I didn't are specifically say every time someone does it don't do it until you change behavior Well, you can't blame me when I have that very clear caveat that I say every time it is higher. It's double It's five thousand five shut the fuck up what what what do you want? January January or the tuition for the semester now. It's still a balance five thousand five hundred fifty six thousand twenty nine cents Stupid that means the minimum to pay my tire stupid. It's like fifty three dollars. Yeah, stupid $53 higher asshole fifty six Me And the first balance transfer I did was from the chase car fees fees It's just getting dicked up and fees my goodness. What are we doing? What a joke? What if it's a joke and you're almost maxed out now? So good luck You're gonna get to that situation again that just happened with that other card You're gonna be done. You're gonna be done. Well get tuition reimbursement at the end of the semester card was a five hundred dollars in November Now it's over fifty six. You see the trend. This is happening five hundred dollars in like August and now it's at five thousand six hundred You see the Trent five thousand seven hundred We're doing well as far as it was nothing and then you Everything's going Sound effect at all. It's all going in the wrong direction But I'll get the tuition reimbursement you'll get the tuition reimbursement great So that covers half of it you and then the other Multi-thousand dollars will crew interest here soon plus you already had the fees added to it regardless So you're getting what it would have it what is it like a 12% 15% fee the private student loan would be like an 8% interest rate depending Would you look at 0% APR? Pay it off you only make your balances go higher. That's all you've done. That's all you've done in the last year So I don't want to hear it. Yes, I know it's your percent now, and I know it's gonna be different in a year That's not what matters what matters is the trend you're going on the trend that you're going on right now It's suggesting that you will not be able to touch it regardless nor pay off a bounce nor make any progress towards it What's so ever by the time the interest accrues? That's how the fear of the other than I buddy you just did to put tuition on well But I'm saying I opened it buddy buddy buddy buddy you just balance transferred and buddy buddy It's almost maxed out so you can't regardless so shut up and guess what buddy buddy buddy It really doesn't matter because you're using your freedom card until it's maxed out for those extra purchases And then you use your visa I see this every day of my in life I know where this story ends you can't define defend this and say well It doesn't matter zero percent right now Everything is going in the direction of up in the moment that that freedom card no longer has the ability to spend on it Because you have to door-dash because you're terrified of being a woman in 2016 Oh, that is very scary to have a pussy all of a sudden you're like shit I can't spend on there anymore, and I'm still a woman afraid of getting because it's dark outside Believe that word and then all of a sudden you're like oh, I gotta spend on my visa plan. I'm card my anti card It's Terry. It's like everything's just gonna get Well, I know besides the balance transfers and the Did you not just hear what I just said no, I'm not gonna use it No, did you not just hear what I just said? Well, I'm not gonna. Hey, what did I just say you said that once I max out the chase one or yeah the chase one I'm just gonna use this one that's why you're not using this one because you're using your chase card the moment You can't you will put that somewhere else because you need to spend more money than you have my chase one is like $20,000 limit that I'm not gonna use so well How can you suggest you're not gonna use it when it was zero when it was just a few hundred bucks a few months ago And now it is 5700 you literally are at this At this pace Actually in about a year and a half it will be max out of 20 at the pace you are going. Yes, you can't say no I've never had it that doesn't matter if you never have it the pace you are going now That's where it's going. You can't oh your copes are crazy. You can't just tell me you're not going to That's where it's going That's where it's going asshole. I'm not gonna use it That's good. Good news. He's not gonna use it All she's doing is only getting worse thank goodness. Oh, oh that makes me feel so much better. I'm so confident It's my I've labeled as my I don't give a shit Nothing you say is gonna impact how I view this I see your trend. I have these conversations every day of my life stop Will see fees up the deck Expiration is not far away. So it's a year away Saver card. What's going on here interests accruing? Um Well that one how was zero percent APR and until December and then all of a sudden interest started to turn It's weird how that works and then and the balance wasn't paid off. That's curious One of the how does that happen chat chat? How does that happen? That's weird That's weird. It was zero percent APR until it wasn't and it's weird Then the balance wasn't paid off by the time that zero percent APR ended and then interest started to turn It's really unique. I wonder if that would apply to anything else ever Well, that's really curious. I did a balance transfer for To the amount basically max out the wills Fargo Uh-huh because you can't make any progress anything You only kick the can down the road until you can anymore And then you're like we've seen in the show and those times and a balance transfer isn't even good anyway Cuz that doesn't change your behavior and you're gonna spend on this card regardless and it's gonna go up up Yes, and since you did the balance transfer like a month ago shut the fuck up you think that is a valid thing to say I Am so excited for you guys to finally get your hands on what I've been working on for a year The brand new dollar wise budgeting app and listen, I get it the first iteration was a disaster many reasons from working with an External agency to shit infrastructure that I could use but let's be honest That was on me So I put my money where my mouth is and after investing millions of dollars in hiring dozens of people We've completely rebuilt dollar wise and it is truly Incredible and to celebrate I am giving you some insane deals to sign up for the first time Or trying it again after you use the shitty version last year But these deals only last through March 31st, and then they're gone forever Download now take your free trial to test it out and get the monthly plan at a 33% discount for three months or take the annual plan for an insane 50% discount and with the annual you get my budget friendly cookbook signed by me and my brand new 30-day detailed budget meal plans signed by me as well both of them mailed directly to you But after March 31st the cookbook is gone forever So this is literally your last chance to get it don't miss this opportunity of a lifetime Download dollar wise and start your free trial go to dollar wise comm or click those links below Good morning I've been looking forward to this for the last year and a half once in a blue moon a Game-changing paradigm shift takes the industry by storm Financial audit has changed YouTube forever and dollar wise is about to alter the future of personal finances We know it ladies and gentlemen. It is my pleasure to introduce the next big thing in budgeting What are we doing here guys, what are we doing here? What are we doing here? What is What are we doing Caleb Caleb? Can you show them the new dollar wise logo? Introducing dollar wise reimagined Read write The old dollar wise is dead What'd you even open this card for I wanted to try to I I didn't get tickets to see Taylor Swift in Miami So they were doing a like a giveaway if you had a capital one card So what you open a capital one credit card just for the chance of a giveaway. Yeah, wasn't even to buy the tickets Yeah Bro, that is the most ridiculous thing I've ever heard in my Look that is for the chance of giveaway for a lotto Yeah, they did like a couple different ones, but like it was you just had to have a capital one card So I opened one I Don't even know what to think about that is the most does I've never heard of worse reason to open a credit card And did you get it no, yeah No, I did not yeah, but I tried I just I wanted to try to win Uh-huh. I know what you wanted again you equate want with needs like you equate want with excusable Like I really don't understand that And then you racked it all the way up and then did the balance transfer. Yeah, well, I didn't make a payment I originally there's still an interest you didn't balance transfer the whole thing Well, I couldn't because my tuition I had two classes last semester. So the tuition was on the card So I can't you see how this is going to add up. I balance transfer it as much as I could how this works guys So curious We don't have enough space to do the things we're trying to do all the sudden you run out of space You open new credit cards that only gets worse in your in an inescapable position Even now with the balance of being half less than half of 1678 and fifty two cents because he did the balance transfer It's still 11 years to pay off minimum the payments only without any purchases and you are a purchaser I haven't you are a purchaser Shut up. You can't tell me I use this card. You will this is how people like you work This is what you do you did it on the freedom card. Did you do anything checking the count? Here's the thing total income that came in was about six thousand. Okay. You had a great overtime month well done Well done. Well done. Your spending was ten thousand three hundred. So shut the off shut the up shut the Off you can't tell me. I'm just not spending on here. You will your spending is egregious It is twice what you make it is twice what you make Twice what you make you will rack it up at some point you will you already did you already did and then you had to balance transfer So shut the off Interest is accruing like none other you said I spent ten thousand dollars ten thousand five hundred. Oh I hadn't I did not know that That's shocking, okay Yeah, maybe use the dollar wise app asshole I did download it and then I didn't use it. Well, I get it for free Actually fix your life like tens of thousands of other people out there and use it dick. Oh You also use that card to get an iPad and Apple pencil critical for crime analysis Well, I don't have a laptop. So I needed so I just got see an iPad. No get a laptop Well, I don't know. I just I like tapping a little windows at laptop Well, my I had an iPad and I like $500 Apple Neo right now. I don't know what that is. It just came out and that would have been perfect for you Well, I needed something for school because I was gonna go back to that's what it would have been Well, you could also got a cheaper window. Well, how much did that cost that should expand? Well, I had to get a new Apple pencil with it. So it was like $895 There you go. You could have gone on a fine windows machine for 600 Well, just because I use my planner on my iPad So I was writing to use the calendar on your computer and a planner in your phone as well I like to my goodness your copes are insane. I don't care what you like It helps me I care about what you can afford. It's also called pen and paper What everyone has done for college since forever. Well, yeah, I tried to you I used to have like a planner like an actual planner But then like I would use it for like a month and then I would stop using it So it the digital one I've actually been using So you can't afford it. It's as simple as that. It's just as simple as that. What is this? You have a Walmart card? Oh I'm somebody see it cuz it's just no somebody opened a card in my name What have you done? This has been there no I Yeah, I just got a letter last month that was that they've proved it was for I caught and reported it to them But I didn't notice until like a month later. Good and then it took a while and They sent me a letter like last month. I think that said That it was proven that was fraud and closed and stuff like that But I still need they said they reported it to the credit bureaus But I still need a call and double check because it's still showing on everything as like a harding query and stuff like that So I don't know how long that normally takes. I don't have you called anyone. No, I like working nights It's like things are doing business hours, and I'm usually asleep you work seven days a week. No, but I Forget how many days a week you work. Well, it depends. Well, how about you use a special little planner? Okay. Yeah, that's true. Um, I just like I forget and then by the time I remember their clothes Like I'll remember all like wait as a week you work. Um on my short week like two to three normal week Well, every other week alternates one week is our long week and it's five the next week is two or three How many times you go to Pilates a week? Depends at least once or twice a week once or twice. Okay, you can call them. Give me your phone Hmm First thing that popped up by the way, and that is she just had it ready. I don't know why Uber door-dash hinge. I'm gonna stick with the critical ones. I was curious when I got here. So I downloaded it Oh, you find any good dick? No, not really. And that kind of the whole point. Well, I'd go tender for that same company I don't know. I just I've only ever released. Yeah, I was gonna say hinge and bumble with the two that I usually use but I was just curious when I go places all like if I'm single I download it just because I'm curious like What are you looking for? You're most used App is K actually for what it's all though. That's today. I don't care about today Here we go. Okay. Yes. So within a week here we go. Here we go She's on tiktok an average of four hours and 30 minutes every day. I do scroll at work. Mm-hmm That's great. Well people are actually doom for their life Instagram for two hours 30 minutes YouTube for two hours 30 minutes. She's texting for an hour and 40 minutes I don't know here texting she averages a day door-dash an hour 17 minutes I Scrolled a lot yesterday, but that's crazy spotify an hour and 11 minutes Apple Maps an hour and four minutes To be fair what I watched on YouTube is you pick up Instagram 81 times a day Door-dash 36 times a day We use it at work. It's not 35. Yeah, you just no longer have an excuse that you can't make one single phone call Well, a lot of it was when I'm at work like during downtime Which is at night. I have low power mode on oh because it like stops like notifications and stuff are like background stuff I'm happening. Yeah, but it makes your screen screen stuttering Freak. Oh, I didn't know that I don't have any issues Okay, it is Turn for what it's worth and also for what it's worth I That's not he's also he's also hot and a red wings fan, so we're a fan 29 6 foot doesn't smoke or do drugs works in digital marketing like sake Okay, sorry look Okay, he opened he said hey smile face. You said hey said how's the day going so far so far so good I was yours business Said to be home back to finally fighting every urge to have a ill time now for now Oh, well, I feel that I took a nap too That's my fear. I wish I could have earlier just did Pilates home Listen, you're the woman all the cards are in your favor. You have to pursue. He doesn't want to get canceled Listen, I wouldn't come on. Uh-huh. Listen. I'm only in town for tonight Then fly out tomorrow. I'm free for the rest of the day want to get together. There you go Make a move stop being a pussy. He's not gonna murder you Huh, I prefer man to make exactly but now everyone's afraid to statistically about 40% Well, I wouldn't cancel doesn't matter that is not what the ecosystem has led to there are consequences for how the culture has gone The last few years surprise how that works and surveys suggest so Cold approachings down. What is it like 70%? The statistics are bad. Yeah, thanks to people like you who are afraid of everything. Oh We do have a lot of things. Okay. Well, I'm glad this is a yeah, what's that minimum payment on the saver card? 55 hours, okay good But you need a call and if you can be on Instagram well, I have PTO so I would that's oh now I know why she's afraid of everything. She's on tiktok five and a half hours of every day She's getting brain-rodded by all the other victim people out there that are professional Tiktok diagnosed victims currently is punched the monkey and comedians. That's literally it. Uh-huh What's going on? I use that for like medical stuff and so like my therapies on it my cat had to go to the vet my cats vet plan is on there and Like dental stuff. Okay, why don't you have pet insurance? Well, I'd rather do that that'll save you way more in the long term if you have good pen insurance city pen insurance Well, I started this before I didn't know pet insurance was a thing So I but my you don't know anything you're not willing to look anything up That's so confusing but my bet had this plan and so yeah, they wanted to make money Okay, $1,100 on here minimum through payment thirty six dollars eight years to pay off minimum only Interest is accruing and Yep, there's your Banfield Pet Hospital plan. I would not do the Banfield Pet Hospital plan I'd get pet insurance because that will actually cover in an emergency. You are literally I guess you absolute creature you had Dude the referred interest ends in only a few months then you're gonna be the 33% Interest is charging at the $500 of the balance. This is a You're so I've never not until you do because you spend more money in your minutes of payments to get an even higher And you're gonna take a pay cut. No one ever does until they do that's how it works. It's weird how that happens Shut the fuck I've always paid I don't really care everyone always does until they don't You are headed down the wrong path in fact that you don't see that as the scariest thing in this entire conversation No one on this show No one on this show has ever been through bankruptcy until they've been through bankruptcy No one has ever missed the payment until they've missed the payment everyone has always made their payments until they don't No one's ever been homeless until they are Just because you haven't doesn't mean you won't just because never been in the car accident doesn't mean you won't just because you've never Anything it doesn't matter It's just how it works Then your car's insane. What is this this minimum to payment you can't afford this of five hundred sixteen dollars and sixty seven cents Well, you're taking a pay cut with a wrench you can't afford What the fuck is this car? It's a Toyota Corolla cross Why do you need such an expensive car right now? 24,993 thousand twenty cents. I got it in April and I didn't I don't know I Don't know what do you think it's worth like 28 27 you think it's up if you think you have 26, I don't know 22. Oh not that bad for a car. You're only down like three thousand bucks. That's even still it's new Yes, I only had like five miles on it when I got it. Yes, but the moment you drive it off the line You're yeah, then why'd you think it was worth more than you owe? Oh, I don't know I don't even Because you're broken what's the interest rate on this? 5.1% or something great, but it's minimum monthly payment worthy and tells paid off But I just this is too expensive of a car for you. What was your car situation? Um, I had like a My car was like 10 or 11 years old and it was doing okay But it was like but no it needed didn't need it yet Well, so too there was two reasons why I got a new car. Well, let me you deserved it I that you said I felt like I worked hard and like I was saving Math is the math is the math is the math the numbers are the numbers that reflects how hard you Like I did a lot of research and I saved up like I forgot how much I saved for my down payment But like I so I was saving for a down payment on a new car But hey that means we get a car we can't afford what okay, but well, I felt like I could afford it at the time Oh, that's good, and I'm glad it's about vibes and feelings But my last really are on take that call day my last car was like about like the mechanics of that they needed like Eight nine hundred dollars worth of stuff and I already had like a oh $900 versus $25,000 well no And then it was so I was putting more into the car than what it was worth and then on top of that $25,000 and now you're underwater by three thousand hours Which is less than you to put in to a car than it was worth but on top of that I felt like everyone wasn't seeing me on the road like in the past like two years or well last year It wasn't seeing me on the road like my car was smaller. You okay? I don't give a what they think I really don't it doesn't matter just so good news you're selling it Easy no you're in a blessed position where you're only three thousand under actually two thousand under there was seven hundred dollars So okay, yeah two thousand under so you sell it Because you're gonna borrow twelve thousand hours Ten of it for a new car a ten thousand our cars gonna be fine. You can get one where you're up It's gonna be used car a few years old You're gonna get it independently reviewed by multiple mechanics to at least before you purchase it ten thousand our car It's gonna be a what like a twenty Sixteen car twenty seventeen twenty eighteen maybe at best And that's fine. You're doing that for a few years while you clean up your death situation And then immediately improves their debt by ten thousand hours Is that like the only option yes do it? Welcome to sacrifice. You're not willing to move sell your car I'm gonna take a pay cut sell your car So if I move you don't sacrifice anything your entire life So if I move next year then I can keep my car no you can move if you move next year you can take the other job So if I keep my job I can keep my car you know you can't do anything regardless This doesn't fit in the budget and you'll see that I mean I assume this is insane. Let's keep looking You also have student loans of course. Yes, and these won't be paid off What do you mean? These will not be Reimbursed no, no, that's from my bachelor degree Right so seventeen thousand one hundred sixty four dollars and fifty five cents. So these deferred currently or do they not? Recognize your certification thing. Well it last semester it was but now they just told your minimum monthly payment 139 okay your interest is fine enough where I'm not freaking out about you paint it off early So a minimum to payments until they're paid off sitting between that three and four percent okay checking account started with one hundred thirty three dollars It's unacceptable that is scary that is terrifying that is with the thousand one hundred ninety left That's okay, so as you don't let it go below a thousand. She got an apple bow your zalina money Starbucks Starbucks Amazon tick-tock promote what the you promoting I forgot about that I was just curious what would happen. What would happen? What? I'm on what on tick-tock What do you mean? In case what would happen about what? I was just curious like how much that the promote actually helps helps what? Like what are you trying to achieve like anything like view? I was just curious so I did it My tick-tock what is your tick-tock? I don't know just like random shit The most broken person I've ever met in my life you're paying to promote your tick-tock about nothing Amazon Applebill Amazon Go in as I get into bull shit Kitten it kid in a box. Oh, maybe that means hardly wasted money. Just go to the door Zalina money Spotify D Define diff diffenin. Oh, I bought some workout clothes They don't have any of those I bet Two times a week three times a week probably hitting a workout clothes you Applebill vending machine Going inside get into bullshit so stupid Savings went down from a thousand nine hundred fifty two thousand one hundred Yes, she thinks she's never gonna be behind anything anything everything is going in the literal wrong direction I'll go off off off off off. Okay went down. Well, I have a Okay, you're right this savings account went from twenty five thousand one hundred seventy one Goff you're not gonna be able to survive Everything's going in the wrong direction Hey, this savings was in three hundred to five thirty like it's not making or breaking your life in your retirement at twenty two dollars that I honestly don't know what twenty two dollars and then this one's a A thousand one hundred twenty so everything's dramatically behind please. Maybe this one will have more Okay Thank you one good thing and I feel like what's unfortunate 46,000 and that's actually pretty good for your income level and that and I feel like because that's good And you feel like everything else is okay. Just because that number is good. I retirement I actually didn't know what it was until I looked at the statement. Oh great. So she's I just don't touch it. I don't have a budget Yes, I do I like I'm a liar Don't listen my line ass Okay, your income is for now before pay cut forty two hundred bucks What's your run again with fees and everything yes, it's that it's important. I think average is like 1850 Well, that's because like water is with it Okay What's all and then your utilities Average What was it like 75 I would probably go I feel like it's more like probably a hundred a hundred Get your debt minimums So you will say your car correct Correct Correct. Can we see what the budget like says first? Thank you. I really really don't want to Unless there's a new equate wants with unless that's really like the only option that I have It's it would pay off your debt immensely quicker Which I guess you don't care about I thought the entire tent was to get that free so we can take the pay cut Apparently not you want literally you want everything with sacrificing nothing to be very sure shut the shut the fuck up 1094 hours and 30 cents debt phone bill So I I meant to ask my mom For my phone and my insurance, but I pay 106 to her every paycheck, but that's my phone and car insurance Okay, it's fine. So I don't know what each it's fine I'm in talks. It's fine 212 I'm crossing out car insurance from from drive-drive gas. I'd say probably about $80. Okay, listen you can do Helium if T-Mobile is good in that area, which I assume it is in central, Florida I got a phone bill. I got a new phone 15 bucks. I have a new phone. I don't care. What's not paid off. Oh once you pay it off Good groceries 300 use our budget meal plan. It's very good. It's detailed It is a meal plan for every day of the month including drinks including snacks including everything. Okay, and that's based on 300 bucks T if you find anything else you need to survive make up 10 pounds all the good stuff hundred bucks Medical healthcare co-pays My therapy is $30. I go twice a month. Okay anything else? No, how much for fitness? Well, I was curious to see okay. No, because tell me I encourage fitness I wanted to see how my pilates is like I could buy the membership But I was trying to see if I could afford the monthly how much 229 geez man, but I can go less. So I just wanted to know what it was. What can you go less to 159 159 then Dude you can't answer questions to save your life. You need to tell a story for everything I just want a number Subscriptions $300 anything else that needs to be on pet insurance 50 bucks. How much for pet food? Probably like $30 a month. I buy it in bulk. So anything else besides a life story that needs to be in your budget Not that I can think of You have an extra 140 left 135 left on a monthly basis. So yes, sell your car get your debt your car for you until 300 that gives you an extra now you're at 250 left and 10,000 less on debt 10,000 less on debt We're gonna minus our student loans as well and Keep the fitness keep the fitness. That's fine So 50 7347 dollars and 39 cents a debt minus 10,000 in the car sale Minus the student loans of 17,164 dollars and 55 cents. This is before pay cut You still got 30,182 dollars of bad debt to pay off with 350 dollars off on a monthly basis is 86 months which Seven years so that's no longer an option either. Okay. The reality is is you saw the car Everything else besides this goes to debt and you're working overtime as much as possible at all times You bring an extra 500 dollars a month minimum, which is low on your end and you can pay off your dad in a couple years and that's fine There's two years Actually downgrade your living situation to you accelerated even quicker Maybe a year and a half your debt bad debt free besides the student loans You'll be fine You just have to work overtime bring an extra 500 to a thousand hours a month Which you can and you are you have the ability to do so which is nice in your bus position So take it downgrade to your place sell your car That's what you do your debt free in about two years you get an emergency fund and you keep going 50 30 20 live within your means Damn, it's as easy as that dude. It's as easy as No We're gonna call the boyfriend in the post show but they're the ex-boyfriend. Hopefully he picks up, but let's get the Hammer financial score first spending in a budget you overspend your out of 10 debt no collections. That is good You know, honestly won't for your income situation can give you better than a three out of ten Well, no, you're racking up the cards balance transfers to out of 10s emergency fund Wanted to attend at best retirement that was actually good and for your age is technically a 10 to 10 with your income So out of 10 for real estate hammer financial score retirement saving your life Hammer financial score rounded up to three out of ten get yours a kill of hammer calm download dollar wise a dollar wise calm now Join hammer leaves membership on YouTube three people just posted every single day six days a week the financial out of post Show an extra 20 minutes. We're gonna call the ex-boyfriend. See you there call him and she blames 50% at least of her financial situation of which is 57,000 hours of debt on you. It was an influence He was an influence Jesus hold up him to say that now maybe she should be on a financial show Maybe she'll be on like an AA show has a drinking problem. Oh my god This is the last week don't forget to download the new dollar wise budgeting app This is officially now the best budgeting app on the market and I'm giving you a special deal to download But only through March 31st take a free three-day trial to test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount with the annual you get my budget-friendly cookbook and my Brand-new 30-day detailed budget meal plan signed by me and mill directly to you after March 31st The cookbook is going away forever. So this is literally your last chance Don't miss the opportunity of a lifetime download dollar wise to search a free trial go to dollar wise.com or click the link below