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I'm Losing Brain Cells | Financial Audit
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is what you're doing in pain on this
is what you're doing in pain on this card is that really helping her I don't
card is that really helping her I don't
card is that really helping her I don't know if she's learned her lesson but I'm
know if she's learned her lesson but I'm
know if she's learned her lesson but I'm telling you I have the respond no it's
telling you I have the respond no it's
telling you I have the respond no it's not teaching her how to be responsible
not teaching her how to be responsible
not teaching her how to be responsible and how to budget her money better
and how to budget her money better
and how to budget her money better and my name is Riley I'm 20 years old
and my name is Riley I'm 20 years old
and my name is Riley I'm 20 years old I'm from San Antonio Texas and this is
I'm from San Antonio Texas and this is
I'm from San Antonio Texas and this is financial audit thanks for coming up
financial audit thanks for coming up
financial audit thanks for coming up from San Antonio we haven't uh had
from San Antonio we haven't uh had
from San Antonio we haven't uh had someone I think 20 in a while say we've
someone I think 20 in a while say we've
someone I think 20 in a while say we've been having more like upper 20s early
been having more like upper 20s early
been having more like upper 20s early 30s so this is pretty cool it's always
30s so this is pretty cool it's always
30s so this is pretty cool it's always good to catch Things Early financially
good to catch Things Early financially
good to catch Things Early financially uh what do you do what do you do there
uh what do you do what do you do there
uh what do you do what do you do there right now um I am a front desk person at
right now um I am a front desk person at
right now um I am a front desk person at a super rate Hotel down in San Antonio
a super rate Hotel down in San Antonio
a super rate Hotel down in San Antonio um it's not the best hotel it was just
um it's not the best hotel it was just
um it's not the best hotel it was just like a super R you kind of like flip
like a super R you kind of like flip
like a super R you kind of like flip into a book to find like a name and you
into a book to find like a name and you
into a book to find like a name and you put your name your finger on like the
put your name your finger on like the
put your name your finger on like the first name you find that was kind of how
first name you find that was kind of how
first name you find that was kind of how I found the job cuz I was struggling to
I found the job cuz I was struggling to
I found the job cuz I was struggling to find a new job because before I worked
find a new job because before I worked
find a new job because before I worked at um like a really high in a restaurant
at um like a really high in a restaurant
at um like a really high in a restaurant in Texas and they were underpaying me
in Texas and they were underpaying me
in Texas and they were underpaying me for how high-end and much of a
for how high-end and much of a
for how high-end and much of a government building it was um and before
government building it was um and before
government building it was um and before how much a government building it was
how much a government building it was
how much a government building it was yeah um so it was a high-end government
yeah um so it was a high-end government
yeah um so it was a high-end government it was the the Tower of the americaas in
it was the the Tower of the americaas in
it was the the Tower of the americaas in San Antonio it was like a tourist
San Antonio it was like a tourist
San Antonio it was like a tourist attraction area and that the restaurant
attraction area and that the restaurant
attraction area and that the restaurant in there is owned by the city yeah okay
in there is owned by the city yeah okay
in there is owned by the city yeah okay yeah how much were you making I was
yeah how much were you making I was
yeah how much were you making I was making $11 an hour what are you making
making $11 an hour what are you making
making $11 an hour what are you making now I am making 14 an hour okay how many
now I am making 14 an hour okay how many
now I am making 14 an hour okay how many hours a week are you working working 80
hours a week are you working working 80
hours a week are you working working 80 currently 80 hours a week no 40 hours a
currently 80 hours a week no 40 hours a
currently 80 hours a week no 40 hours a week so 80 hours every two weeks going
week so 80 hours every two weeks going
week so 80 hours every two weeks going say that would have been Insanity 80
say that would have been Insanity 80
say that would have been Insanity 80 hours every two weeks we had payroll com
hours every two weeks we had payroll com
hours every two weeks we had payroll com in of
in of
in of $1,646 I making more at a low costed
$1,646 I making more at a low costed
$1,646 I making more at a low costed Hotel than I am at a at a fancy
Hotel than I am at a at a fancy
Hotel than I am at a at a fancy restaurant building well that would be
restaurant building well that would be
restaurant building well that would be about
about
about 2,426 before taxes I'm making about two
2,426 before taxes I'm making about two
2,426 before taxes I'm making about two 2,000 a month roughly right now so
2,000 a month roughly right now so
2,000 a month roughly right now so you're not working a full 40 I am I am
you're not working a full 40 I am I am
you're not working a full 40 I am I am math is not mathy how okay you said 14
math is not mathy how okay you said 14
math is not mathy how okay you said 14 an hour right yeah times 40 times that
an hour right yeah times 40 times that
an hour right yeah times 40 times that by four
by four
by four 2,240 you say you're making 2,000 before
2,240 you say you're making 2,000 before
2,240 you say you're making 2,000 before taxes where's the mysterious 240 going
taxes where's the mysterious 240 going
taxes where's the mysterious 240 going are you being underpaid is there
are you being underpaid is there
are you being underpaid is there anything funky going on are you getting
anything funky going on are you getting
anything funky going on are you getting exactly 40
exactly 40
exactly 40 hours it would be sometimes like 38
hours it would be sometimes like 38
hours it would be sometimes like 38 sometimes 40 sometimes I'll skip a day
sometimes 40 sometimes I'll skip a day
sometimes 40 sometimes I'll skip a day of work and it'll be um cuz I have
of work and it'll be um cuz I have
of work and it'll be um cuz I have school still I I'm starting school again
school still I I'm starting school again
school still I I'm starting school again so I've kind of cut down my hours you
so I've kind of cut down my hours you
so I've kind of cut down my hours you yeah um I'm cutting down the hours to um
yeah um I'm cutting down the hours to um
yeah um I'm cutting down the hours to um I'm off two days a week even if we you
I'm off two days a week even if we you
I'm off two days a week even if we you know times it by 52 weeks and divided by
know times it by 52 weeks and divided by
know times it by 52 weeks and divided by 12 to give us an average it would be
12 to give us an average it would be
12 to give us an average it would be about 2,426 cuz some months are longer
about 2,426 cuz some months are longer
about 2,426 cuz some months are longer MH some months are shorter yeah this is
MH some months are shorter yeah this is
MH some months are shorter yeah this is a shorter month MH um all right so you
a shorter month MH um all right so you
a shorter month MH um all right so you went back to school going back to school
went back to school going back to school
went back to school going back to school what are you studying right now I'm
what are you studying right now I'm
what are you studying right now I'm studying
studying
studying psychology okay what it's just the the
psychology okay what it's just the the
psychology okay what it's just the the basic white girl degree to some people
basic white girl degree to some people
basic white girl degree to some people and it's a long it's a very long period
and it's a long it's a very long period
and it's a long it's a very long period I was told that oh if you want to do
I was told that oh if you want to do
I was told that oh if you want to do psychology you've got to you got to be
psychology you've got to you got to be
psychology you've got to you got to be able to you know withstand 12 years of
able to you know withstand 12 years of
able to you know withstand 12 years of college if you want to get a real a real
college if you want to get a real a real
college if you want to get a real a real pay a pay grade and I'm like well I so
pay a pay grade and I'm like well I so
pay a pay grade and I'm like well I so that's your plan no um I mean I can work
that's your plan no um I mean I can work
that's your plan no um I mean I can work with the Bachelors I want to work in ABA
with the Bachelors I want to work in ABA
with the Bachelors I want to work in ABA so with kids with autism yeah so um I
so with kids with autism yeah so um I
so with kids with autism yeah so um I can work for a bachelor's and still be
can work for a bachelor's and still be
can work for a bachelor's and still be making enough money how much I don't
making enough money how much I don't
making enough money how much I don't know come on you you Googled it right
know come on you you Googled it right
know come on you you Googled it right online it says I could be making up to
online it says I could be making up to
online it says I could be making up to $56 an hour with like A6 like a like a
$56 an hour with like A6 like a like a
$56 an hour with like A6 like a like a 56,000 a
56,000 a
56,000 a year no $6 an hour would give you twice
year no $6 an hour would give you twice
year no $6 an hour would give you twice that amount of money a year I'm just
that amount of money a year I'm just
that amount of money a year I'm just going based off what Google said Google
going based off what Google said Google
going based off what Google said Google said 56 if you're well it says up to so
said 56 if you're well it says up to so
said 56 if you're well it says up to so it's probably the extreme high end yeah
it's probably the extreme high end yeah
it's probably the extreme high end yeah up to yeah um I haven't minored in
up to yeah um I haven't minored in
up to yeah um I haven't minored in anything it went from I've changed it
anything it went from I've changed it
anything it went from I've changed it from nursing to psychology to criminal
from nursing to psychology to criminal
from nursing to psychology to criminal justice back to nursing and then back to
justice back to nursing and then back to
justice back to nursing and then back to psychology okay so I've changed how many
psychology okay so I've changed how many
psychology okay so I've changed how many years have you been in school I I
years have you been in school I I
years have you been in school I I enrolled in 21 so 3 years but I'm still
enrolled in 21 so 3 years but I'm still
enrolled in 21 so 3 years but I'm still a sophomore by credit hours yeah
a sophomore by credit hours yeah
a sophomore by credit hours yeah obtained I only have 18 credit hours
obtained I only have 18 credit hours
obtained I only have 18 credit hours right now and this is 100% what you want
right now and this is 100% what you want
right now and this is 100% what you want to do yeah okay what I don't I mean it's
to do yeah okay what I don't I mean it's
to do yeah okay what I don't I mean it's probably going to change in the ne when
probably going to change in the ne when
probably going to change in the ne when I why if this is 100% what you want to
I why if this is 100% what you want to
I why if this is 100% what you want to do why cuz I'm going to transfer to a
do why cuz I'm going to transfer to a
do why cuz I'm going to transfer to a university after cuz I've been in a my
university after cuz I've been in a my
university after cuz I've been in a my main go are you community college right
main go are you community college right
main go are you community college right now yeah okay so great it was getting
now yeah okay so great it was getting
now yeah okay so great it was getting the credentials out of the way and then
the credentials out of the way and then
the credentials out of the way and then they said that it was going to be a lot
they said that it was going to be a lot
they said that it was going to be a lot harder to change the degree once you
harder to change the degree once you
harder to change the degree once you moved to a community college and I was
moved to a community college and I was
moved to a community college and I was like okay you mean to a university yeah
like okay you mean to a university yeah
like okay you mean to a university yeah yeah yeah to a university and and I was
yeah yeah to a university and and I was
yeah yeah to a university and and I was like well once I get to University am I
like well once I get to University am I
like well once I get to University am I stuck and they're like not necessarily
stuck and they're like not necessarily
stuck and they're like not necessarily no people change mes all the time I did
no people change mes all the time I did
no people change mes all the time I did yeah and and um I was like okay so this
yeah and and um I was like okay so this
yeah and and um I was like okay so this is what I want to do okay well be
is what I want to do okay well be
is what I want to do okay well be careful because that's a 12 year plus
careful because that's a 12 year plus
careful because that's a 12 year plus degree that you got to focus on I know
degree that you got to focus on I know
degree that you got to focus on I know but we already talked about the job you
but we already talked about the job you
but we already talked about the job you want to do which I mean I personally do
want to do which I mean I personally do
want to do which I mean I personally do not know but you're saying it just
not know but you're saying it just
not know but you're saying it just requires the
requires the
requires the bachelor well no Masters um if I wanted
bachelor well no Masters um if I wanted
bachelor well no Masters um if I wanted to go ahead and start my Master's um it
to go ahead and start my Master's um it
to go ahead and start my Master's um it would still be paid for so I could if I
would still be paid for so I could if I
would still be paid for so I could if I wanted to what do you mean it'd be paid
wanted to what do you mean it'd be paid
wanted to what do you mean it'd be paid for so right now school's paid for yeah
for so right now school's paid for yeah
for so right now school's paid for yeah right now I get military benefit so I
right now I get military benefit so I
right now I get military benefit so I get money from the the military toay who
get money from the the military toay who
get money from the the military toay who served my dad okay MH okay um so my dad
served my dad okay MH okay um so my dad
served my dad okay MH okay um so my dad served military um and I I do um chapter
served military um and I I do um chapter
served military um and I I do um chapter 38 I think um so I was on academic
38 I think um so I was on academic
38 I think um so I was on academic dismissal for a year why meaning that
dismissal for a year why meaning that
dismissal for a year why meaning that they they kicked me out for a semester
they they kicked me out for a semester
they they kicked me out for a semester why because my GPA was below a 2.0
why because my GPA was below a 2.0
why because my GPA was below a 2.0 average why in Community College I mean
average why in Community College I mean
average why in Community College I mean Community College is great it's a great
Community College is great it's a great
Community College is great it's a great resource but it's also the Gen ads in
resource but it's also the Gen ads in
resource but it's also the Gen ads in Community College are pretty easy to
Community College are pretty easy to
Community College are pretty easy to pass the Gen EDS gen EDS specifically no
pass the Gen EDS gen EDS specifically no
pass the Gen EDS gen EDS specifically no I the I would have totally
I the I would have totally
I the I would have totally passed if math was never
passed if math was never
passed if math was never invented well a lot of it a lot of the
invented well a lot of it a lot of the
invented well a lot of it a lot of the world revolves around it yeah I know I
world revolves around it yeah I know I
world revolves around it yeah I know I mean I use really only very basic math
mean I use really only very basic math
mean I use really only very basic math in my job because things don't get too
in my job because things don't get too
in my job because things don't get too crazy so you probably won't use the
crazy so you probably won't use the
crazy so you probably won't use the majority of it but I mean
majority of it but I mean
majority of it but I mean we all had to take those classes yeah I
we all had to take those classes yeah I
we all had to take those classes yeah I mean in high school I had like special
mean in high school I had like special
mean in high school I had like special help with with math so those transcripts
help with with math so those transcripts
help with with math so those transcripts never like scheduled over to college and
never like scheduled over to college and
never like scheduled over to college and the college was basically just like well
the college was basically just like well
the college was basically just like well if you don't have your transcripts then
if you don't have your transcripts then
if you don't have your transcripts then we can't help you with your freaking
we can't help you with your freaking
we can't help you with your freaking Line to Line work with your um
Line to Line work with your um
Line to Line work with your um accommodations with with college
accommodations with with college
accommodations with with college basically meaning that they can't move
basically meaning that they can't move
basically meaning that they can't move over my my accommodations from high
over my my accommodations from high
over my my accommodations from high school algebra
school algebra
school algebra okay well guys it's a new year and you
okay well guys it's a new year and you
okay well guys it's a new year and you need to make your money work for you you
need to make your money work for you you
need to make your money work for you you can do exactly what I literally do right
can do exactly what I literally do right
can do exactly what I literally do right now and put my money in the best high
now and put my money in the best high
now and put my money in the best high yield savings account SOI I get a 4.6%
yield savings account SOI I get a 4.6%
yield savings account SOI I get a 4.6% yield on my money and I also took
yield on my money and I also took
yield on my money and I also took advantage of the bonus of up to $250
advantage of the bonus of up to $250
advantage of the bonus of up to $250 when I signed up you can start 2024 off
when I signed up you can start 2024 off
when I signed up you can start 2024 off Amazing by doing the same by going to
Amazing by doing the same by going to
Amazing by doing the same by going to the link in the description below it's
the link in the description below it's
the link in the description below it's not the worst in the world trust me I I
not the worst in the world trust me I I
not the worst in the world trust me I I wasn't great in math class but I got
wasn't great in math class but I got
wasn't great in math class but I got through it I know I failed it twice they
through it I know I failed it twice they
through it I know I failed it twice they said if I failed a third time they're
said if I failed a third time they're
said if I failed a third time they're going to put me on academic probation I
going to put me on academic probation I
going to put me on academic probation I got on academic probation and then oh so
got on academic probation and then oh so
got on academic probation and then oh so did you pass it no so you still have to
did you pass it no so you still have to
did you pass it no so you still have to do it I only have 18 credits in the span
do it I only have 18 credits in the span
do it I only have 18 credits in the span of a three-year period of me being in
of a three-year period of me being in
of a three-year period of me being in college so is college right for you dude
college so is college right for you dude
college so is college right for you dude is this the right path you're going down
is this the right path you're going down
is this the right path you're going down why yes I'm I'm really trying are you
why yes I'm I'm really trying are you
why yes I'm I'm really trying are you really trying three times in algebra get
really trying three times in algebra get
really trying three times in algebra get this though I moved out I'm paying my
this though I moved out I'm paying my
this though I moved out I'm paying my own bills too so I mean because I'm
own bills too so I mean because I'm
own bills too so I mean because I'm tired of living at home at 20 years old
tired of living at home at 20 years old
tired of living at home at 20 years old I mean I mean school is different from
I mean I mean school is different from
I mean I mean school is different from being independent and doing your own
being independent and doing your own
being independent and doing your own things at home so I feel like I work
things at home so I feel like I work
things at home so I feel like I work better I'm okay with you doing it I mean
better I'm okay with you doing it I mean
better I'm okay with you doing it I mean it's fine if why why I'm okay with you
it's fine if why why I'm okay with you
it's fine if why why I'm okay with you moving out oh well yeah you are okay um
moving out oh well yeah you are okay um
moving out oh well yeah you are okay um I mean if the finances support it yeah
I mean if the finances support it yeah
I mean if the finances support it yeah yeah are you going to be able to work a
yeah are you going to be able to work a
yeah are you going to be able to work a full 40 hours in you're back in school
full 40 hours in you're back in school
full 40 hours in you're back in school how many credit hours a week are you
how many credit hours a week are you
how many credit hours a week are you taking I'm only allowed eight credit
taking I'm only allowed eight credit
taking I'm only allowed eight credit hours right now what do you mean allowed
hours right now what do you mean allowed
hours right now what do you mean allowed the school will only allow me to take
the school will only allow me to take
the school will only allow me to take two class because you suck so much at
two class because you suck so much at
two class because you suck so much at school yeah um because that's probation
school yeah um because that's probation
school yeah um because that's probation since I was on the probation they won't
since I was on the probation they won't
since I was on the probation they won't allow me more than eight credit hours
allow me more than eight credit hours
allow me more than eight credit hours what do you do to get out of it I have
what do you do to get out of it I have
what do you do to get out of it I have to bring my GPA up at least to a 2.0
to bring my GPA up at least to a 2.0
to bring my GPA up at least to a 2.0 you're not at a 2. you're below a two
you're not at a 2. you're below a two
you're not at a 2. you're below a two yes
yes
yes sir math sucks I didn't fail one
sir math sucks I didn't fail one
sir math sucks I didn't fail one University class cuz it was
University class cuz it was
University class cuz it was just the I mean it was it was an
just the I mean it was it was an
just the I mean it was it was an advanced class as well yeah at least I'm
advanced class as well yeah at least I'm
advanced class as well yeah at least I'm like going through the the first sizes
like going through the the first sizes
like going through the the first sizes are kind of small typically Community
are kind of small typically Community
are kind of small typically Community College what is it what is it like 30 40
College what is it what is it like 30 40
College what is it what is it like 30 40 people in that math class like not even
people in that math class like not even
people in that math class like not even like maybe 15 dude that's so much better
like maybe 15 dude that's so much better
like maybe 15 dude that's so much better cuz if you were at a university that
cuz if you were at a university that
cuz if you were at a university that math class that algebra would probably
math class that algebra would probably
math class that algebra would probably be in a uh Auditorium with like 300 400
be in a uh Auditorium with like 300 400
be in a uh Auditorium with like 300 400 people no I couldn't do that there's
people no I couldn't do that there's
people no I couldn't do that there's even you can go to office hours and
even you can go to office hours and
even you can go to office hours and actually meet with the actual teacher
actually meet with the actual teacher
actually meet with the actual teacher not even a TA in your situation I can do
not even a TA in your situation I can do
not even a TA in your situation I can do homework at my job my job is so slow to
homework at my job my job is so slow to
homework at my job my job is so slow to where my manager like you know I don't
where my manager like you know I don't
where my manager like you know I don't give well again where is the issue then
give well again where is the issue then
give well again where is the issue then there isn't an issue there it's just the
there isn't an issue there it's just the
there isn't an issue there it's just the issue of like I guess there isn't an
issue of like I guess there isn't an
issue of like I guess there isn't an issue because I'm just trying to figure
issue because I'm just trying to figure
issue because I'm just trying to figure out if college is right for you maybe
out if college is right for you maybe
out if college is right for you maybe it's not maybe we go for certifications
it's not maybe we go for certifications
it's not maybe we go for certifications of some kind like what well I don't know
of some kind like what well I don't know
of some kind like what well I don't know what do you want to do I want to work in
what do you want to do I want to work in
what do you want to do I want to work in Psychology it's what I'm it's what I'm
Psychology it's what I'm it's what I'm
Psychology it's what I'm it's what I'm good at but you've changed major a
good at but you've changed major a
good at but you've changed major a million times and you said you might
million times and you said you might
million times and you said you might change it again yeah well I don't think
change it again yeah well I don't think
change it again yeah well I don't think I'm going to change again probably not
I'm going to change again probably not
I'm going to change again probably not no I'm not going to change again it's
no I'm not going to change again it's
no I'm not going to change again it's it's going to be psychology that gives
it's going to be psychology that gives
it's going to be psychology that gives me a lot of
me a lot of
me a lot of confidence no certifications going to be
confidence no certifications going to be
confidence no certifications going to be anything I you know probably not trade
anything I you know probably not trade
anything I you know probably not trade school from what you're talking about
school from what you're talking about
school from what you're talking about but there might be certifications for
but there might be certifications for
but there might be certifications for you to work with people with health
you to work with people with health
you to work with people with health issues and the uh in the kids side
issues and the uh in the kids side
issues and the uh in the kids side because I know that's in the schools in
because I know that's in the schools in
because I know that's in the schools in uh schools and daycare and through a lot
uh schools and daycare and through a lot
uh schools and daycare and through a lot of
of
of places I know that's an area where there
places I know that's an area where there
places I know that's an area where there needs to be qualified people who have a
needs to be qualified people who have a
needs to be qualified people who have a great heart who are willing to work a
great heart who are willing to work a
great heart who are willing to work a very hard job for a lot of hours and I'm
very hard job for a lot of hours and I'm
very hard job for a lot of hours and I'm sure there's uh certifications out there
sure there's uh certifications out there
sure there's uh certifications out there to get your foot in the door you might
to get your foot in the door you might
to get your foot in the door you might not be able to do the dream job you want
not be able to do the dream job you want
not be able to do the dream job you want to do but I bet you could do that cuz
to do but I bet you could do that cuz
to do but I bet you could do that cuz you're not required to take a bunch of
you're not required to take a bunch of
you're not required to take a bunch of math to get that and if you're going to
math to get that and if you're going to
math to get that and if you're going to fail for the third time and no longer be
fail for the third time and no longer be
fail for the third time and no longer be able to even go to school and we just
able to even go to school and we just
able to even go to school and we just waste all this time it's going to be bad
waste all this time it's going to be bad
waste all this time it's going to be bad I mean I always talk about my boys over
I mean I always talk about my boys over
I mean I always talk about my boys over at course careers for their Tech
at course careers for their Tech
at course careers for their Tech certifications but there's a lot of
certifications but there's a lot of
certifications but there's a lot of certifications outside of that that are
certifications outside of that that are
certifications outside of that that are good that could be good in like the
good that could be good in like the
good that could be good in like the medical field as well again you're not
medical field as well again you're not
medical field as well again you're not going to get the super high-end job
going to get the super high-end job
going to get the super high-end job probably in that situation because a lot
probably in that situation because a lot
probably in that situation because a lot of the medical things do require more
of the medical things do require more
of the medical things do require more degrees and then Advanced degrees we
degrees and then Advanced degrees we
degrees and then Advanced degrees we could get you in the door what would get
could get you in the door what would get
could get you in the door what would get me in the door we could get you in the
me in the door we could get you in the
me in the door we could get you in the door no please do Cuz I need
door no please do Cuz I need
door no please do Cuz I need help um cuz in RN if I wanted to go for
help um cuz in RN if I wanted to go for
help um cuz in RN if I wanted to go for nursing I have family um in the nursing
nursing I have family um in the nursing
nursing I have family um in the nursing field so if I were to be an RN nursing
field so if I were to be an RN nursing
field so if I were to be an RN nursing but you said you wanted to do psychology
but you said you wanted to do psychology
but you said you wanted to do psychology you're not going to change it why
you're not going to change it why
you're not going to change it why nursing I was panning out all of the
nursing I was panning out all of the
nursing I was panning out all of the different degrees that I I declined and
different degrees that I I declined and
different degrees that I I declined and I didn't want to do so I was it went
I didn't want to do so I was it went
I didn't want to do so I was it went from I also did I also wanted to do
from I also did I also wanted to do
from I also did I also wanted to do sociology too because soci I was recom
sociology too because soci I was recom
sociology too because soci I was recom the other generic yeah I was I was
the other generic yeah I was I was
the other generic yeah I was I was recommended sociology from somebody and
recommended sociology from somebody and
recommended sociology from somebody and they're like well do sociology cuz it's
they're like well do sociology cuz it's
they're like well do sociology cuz it's still psychology but in a different like
still psychology but in a different like
still psychology but in a different like yeah what would you do with that a lot
yeah what would you do with that a lot
yeah what would you do with that a lot of people get sociology then they go to
of people get sociology then they go to
of people get sociology then they go to law school or something yeah I don't
law school or something yeah I don't
law school or something yeah I don't think you're going to law school no most
think you're going to law school no most
think you're going to law school no most most of what I can probably do is just
most of what I can probably do is just
most of what I can probably do is just be a counselor at a high school I guess
be a counselor at a high school I guess
be a counselor at a high school I guess with a with the
with a with the
with a with the bachelor with a bachelor's
bachelor with a bachelor's
bachelor with a bachelor's yeah it doesn't require a master's no no
yeah it doesn't require a master's no no
yeah it doesn't require a master's no no okay I've had professors tell me all you
okay I've had professors tell me all you
okay I've had professors tell me all you need is a Bachelors and you can be at
need is a Bachelors and you can be at
need is a Bachelors and you can be at least a you work a lot of hours I do and
least a you work a lot of hours I do and
least a you work a lot of hours I do and you moved out yes but you have a this is
you moved out yes but you have a this is
you moved out yes but you have a this is a pretty chunky credit card mhm now you
a pretty chunky credit card mhm now you
a pretty chunky credit card mhm now you made a decent payment towards it but
made a decent payment towards it but
made a decent payment towards it but interest is acur it was
interest is acur it was
interest is acur it was $2,389 we took $1,000 off but interest
$2,389 we took $1,000 off but interest
$2,389 we took $1,000 off but interest of $29 83 brought it up to
of $29 83 brought it up to
of $29 83 brought it up to $1,418 what is going on with this why do
$1,418 what is going on with this why do
$1,418 what is going on with this why do you have this what sucks is that I have
you have this what sucks is that I have
you have this what sucks is that I have what you just said kind of sounds like
what you just said kind of sounds like
what you just said kind of sounds like Charlie Brown's teacher to me CU I know
Charlie Brown's teacher to me CU I know
Charlie Brown's teacher to me CU I know what interest is you really can't do
what interest is you really can't do
what interest is you really can't do math cuz numbers are scary I cannot
math cuz numbers are scary I cannot
math cuz numbers are scary I cannot literally I cannot like I know what
literally I cannot like I know what
literally I cannot like I know what interest is I know I have 18% interest
interest is I know I have 18% interest
interest is I know I have 18% interest so it's not the worst when it comes to
so it's not the worst when it comes to
so it's not the worst when it comes to credit cards surprisingly um but 16.24
credit cards surprisingly um but 16.24
credit cards surprisingly um but 16.24 with my credit card I maxed that out to
with my credit card I maxed that out to
with my credit card I maxed that out to 4,000 um what do you mean you Max it out
4,000 um what do you mean you Max it out
4,000 um what do you mean you Max it out Max it out or maxed it out Ma so my Max
Max it out or maxed it out Ma so my Max
Max it out or maxed it out Ma so my Max I got confused with the credit debt and
I got confused with the credit debt and
I got confused with the credit debt and credit limit so my parents got me a
credit limit so my parents got me a
credit limit so my parents got me a credit card and I ended up getting a Max
credit card and I ended up getting a Max
credit card and I ended up getting a Max credit limit of $8,000 so I could spend
credit limit of $8,000 so I could spend
credit limit of $8,000 so I could spend up to $8,000 that's what that means
up to $8,000 that's what that means
up to $8,000 that's what that means right so I I would use it and I would
right so I I would use it and I would
right so I I would use it and I would take my boyfriend we would we would just
take my boyfriend we would we would just
take my boyfriend we would we would just started dating we would go out is 12,500
started dating we would go out is 12,500
started dating we would go out is 12,500 on it now yeah well when I looked at at
on it now yeah well when I looked at at
on it now yeah well when I looked at at last yeah um me and my boyfriend me and
last yeah um me and my boyfriend me and
last yeah um me and my boyfriend me and my friends we would go out and I like oh
my friends we would go out and I like oh
my friends we would go out and I like oh I'll pay for everybody I got it I'll
I'll pay for everybody I got it I'll
I'll pay for everybody I got it I'll I'll I'll spend the money don't worry
I'll I'll spend the money don't worry
I'll I'll spend the money don't worry about it it's just a credit card so I
about it it's just a credit card so I
about it it's just a credit card so I would I would pay and pay and pay and
would I would pay and pay and pay and
would I would pay and pay and pay and pay and then I called my mom one day and
pay and then I called my mom one day and
pay and then I called my mom one day and I wanted her to be proud of me so it's
I wanted her to be proud of me so it's
I wanted her to be proud of me so it's just like hey I've got $4,000 credit on
just like hey I've got $4,000 credit on
just like hey I've got $4,000 credit on my credit card and she's like credit
my credit card and she's like credit
my credit card and she's like credit limit or credit debt I was like what's
limit or credit debt I was like what's
limit or credit debt I was like what's debt and she's like oh that's bad I'm
debt and she's like oh that's bad I'm
debt and she's like oh that's bad I'm like oh really okay um so it's $4,000
like oh really okay um so it's $4,000
like oh really okay um so it's $4,000 debt then she's like that's bad why did
debt then she's like that's bad why did
debt then she's like that's bad why did you do that I'm like I thought that was
you do that I'm like I thought that was
you do that I'm like I thought that was good and she's like no your credit limit
good and she's like no your credit limit
good and she's like no your credit limit at the time it was uh it was 8,000 so I
at the time it was uh it was 8,000 so I
at the time it was uh it was 8,000 so I was like okay well the credit limits
was like okay well the credit limits
was like okay well the credit limits 8,000 that's good right and she's like
8,000 that's good right and she's like
8,000 that's good right and she's like yes but you were $4,000 in debt so I
yes but you were $4,000 in debt so I
yes but you were $4,000 in debt so I started paying it off
started paying it off
started paying it off maybe
maybe
maybe like for a month and my mom and dad they
like for a month and my mom and dad they
like for a month and my mom and dad they were like when was this last year okay
were like when was this last year okay
were like when was this last year okay and then what and then they're like scr
and then what and then they're like scr
and then what and then they're like scr it you're not going to pay this off in
it you're not going to pay this off in
it you're not going to pay this off in time give it to me so my parents took it
time give it to me so my parents took it
time give it to me so my parents took it and they're still currently paying it
and they're still currently paying it
and they're still currently paying it off right now you didn't pay this
off right now you didn't pay this
off right now you didn't pay this $1,000 the four you mean the $4,000 on
$1,000 the four you mean the $4,000 on
$1,000 the four you mean the $4,000 on the the ,000 went to this card this last
the the ,000 went to this card this last
the the ,000 went to this card this last month was from them they they're they've
month was from them they they're they've
month was from them they they're they've been paying it off from 4,000 to where
been paying it off from 4,000 to where
been paying it off from 4,000 to where did they they just basically gave up and
did they they just basically gave up and
did they they just basically gave up and said you're not going to pay this in
said you're not going to pay this in
said you're not going to pay this in time after the people you're you're
time after the people you're you're
time after the people you're you're moving out and you have a $4,000 credit
moving out and you have a $4,000 credit
moving out and you have a $4,000 credit card you're not going to pay that off in
card you're not going to pay that off in
card you're not going to pay that off in time you're going to get so overwhelmed
time you're going to get so overwhelmed
time you're going to get so overwhelmed so just give it to me and then we'll pay
so just give it to me and then we'll pay
so just give it to me and then we'll pay it and then whenever well listen I don't
it and then whenever well listen I don't
it and then whenever well listen I don't want you to suffer in debt but is that
want you to suffer in debt but is that
want you to suffer in debt but is that helping you is that teaching you I don't
helping you is that teaching you I don't
helping you is that teaching you I don't think so I think they're done you get it
think so I think they're done you get it
think so I think they're done you get it to to zero and over the next couple
to to zero and over the next couple
to to zero and over the next couple years maybe even when you start making
years maybe even when you start making
years maybe even when you start making more money and you lifestyle inflate
more money and you lifestyle inflate
more money and you lifestyle inflate yourself you just bring it right up to
yourself you just bring it right up to
yourself you just bring it right up to the 12,500 that sounds like some forms
the 12,500 that sounds like some forms
the 12,500 that sounds like some forms of enablement to me well I mean they
of enablement to me well I mean they
of enablement to me well I mean they said well whenever we pay it off over
said well whenever we pay it off over
said well whenever we pay it off over time you can pay us back that 4,000 I'm
time you can pay us back that 4,000 I'm
time you can pay us back that 4,000 I'm like okay cool and they're like well
like okay cool and they're like well
like okay cool and they're like well we're going to keep it but if you need
we're going to keep it but if you need
we're going to keep it but if you need help with like something with your car
help with like something with your car
help with like something with your car with your cat or with your dog or
with your cat or with your dog or
with your cat or with your dog or something you can just ask us for it and
something you can just ask us for it and
something you can just ask us for it and you can use it and then you can pay that
you can use it and then you can pay that
you can use it and then you can pay that off where where they just well I'm
off where where they just well I'm
off where where they just well I'm curious why are they just like funding
curious why are they just like funding
curious why are they just like funding you you make money yeah where's the
you you make money yeah where's the
you you make money yeah where's the money going where you can't take care of
money going where you can't take care of
money going where you can't take care of yourself as an adult you wanted to move
yourself as an adult you wanted to move
yourself as an adult you wanted to move out like an adult yeah but you have to
out like an adult yeah but you have to
out like an adult yeah but you have to rely on them taking care of you I'm
rely on them taking care of you I'm
rely on them taking care of you I'm confused why can't you take care of your
confused why can't you take care of your
confused why can't you take care of your own well I can I can I mean then why
own well I can I can I mean then why
own well I can I can I mean then why don't you I do I do I mean if not from
don't you I do I do I mean if not from
don't you I do I do I mean if not from everything you just said my rent
everything you just said my rent
everything you just said my rent currently is
currently is
currently is a, like 1,400 something like that insane
a, like 1,400 something like that insane
a, like 1,400 something like that insane you can't afford to live you can't
you can't afford to live you can't
you can't afford to live you can't afford to go out yes I can no you can't
afford to go out yes I can no you can't
afford to go out yes I can no you can't no you can't income that came in with
no you can't income that came in with
no you can't income that came in with 1,600 rent is 12 yeah um that's not a
1,600 rent is 12 yeah um that's not a
1,600 rent is 12 yeah um that's not a foring that's your needs 80% girl M
foring that's your needs 80% girl M
foring that's your needs 80% girl M that's your this is not a joke I'm I'm
that's your this is not a joke I'm I'm
that's your this is not a joke I'm I'm not I'm not treating it as a joke I mean
not I'm not treating it as a joke I mean
not I'm not treating it as a joke I mean girl math math math says it's about 80%
girl math math math says it's about 80%
girl math math math says it's about 80% of your income yeah u i mean we get
of your income yeah u i mean we get
of your income yeah u i mean we get income from other other ways to um well
income from other other ways to um well
income from other other ways to um well I saw okay I saw 128 came in from
I saw okay I saw 128 came in from
I saw okay I saw 128 came in from Lackland and 263 came in from cash app
Lackland and 263 came in from cash app
Lackland and 263 came in from cash app so $2,000 so even still your rent of
so $2,000 so even still your rent of
so $2,000 so even still your rent of what again almost $1,400 okay okay it's
what again almost $1,400 okay okay it's
what again almost $1,400 okay okay it's 70% 70% you cannot afford it it
70% 70% you cannot afford it it
70% 70% you cannot afford it it shouldn't be higher than 30% well what I
shouldn't be higher than 30% well what I
shouldn't be higher than 30% well what I do is I go donate on the side too so
do is I go donate on the side too so
do is I go donate on the side too so there's where was it it didn't come in
there's where was it it didn't come in
there's where was it it didn't come in so you didn't I haven't done it in a
so you didn't I haven't done it in a
so you didn't I haven't done it in a long time I hate doing okay so don't say
long time I hate doing okay so don't say
long time I hate doing okay so don't say you do it but if if like for what
you do it but if if like for what
you do it but if if like for what whatever reason like I feel like we're
whatever reason like I feel like we're
whatever reason like I feel like we're low a couple hundred on rent we'll go
low a couple hundred on rent we'll go
low a couple hundred on rent we'll go donate for the first couple days before
donate for the first couple days before
donate for the first couple days before rent due we'll grab the money offense
rent due we'll grab the money offense
rent due we'll grab the money offense you could not move out I did though yeah
you could not move out I did though yeah
you could not move out I did though yeah but you're not affording it and don't
but you're not affording it and don't
but you're not affording it and don't say I am affording it cuz I'll tell you
say I am affording it cuz I'll tell you
say I am affording it cuz I'll tell you how you're not affording it they're
how you're not affording it they're
how you're not affording it they're paying your credit card bills they're
paying your credit card bills they're
paying your credit card bills they're taking care of expenses that pop up you
taking care of expenses that pop up you
taking care of expenses that pop up you can't afford it you're being enabled not
can't afford it you're being enabled not
can't afford it you're being enabled not being enabled yes because your money is
being enabled yes because your money is
being enabled yes because your money is going to
going to
going to you when only 2.4% of our spending goes
you when only 2.4% of our spending goes
you when only 2.4% of our spending goes to groceries but then 4% goes out to eat
to groceries but then 4% goes out to eat
to groceries but then 4% goes out to eat you're being enabled when money being
you're being enabled when money being
you're being enabled when money being spent on things that are not even close
spent on things that are not even close
spent on things that are not even close to needs in any way whatsoever just
to needs in any way whatsoever just
to needs in any way whatsoever just other miscellaneous is 10.8% of your
other miscellaneous is 10.8% of your
other miscellaneous is 10.8% of your spending you are being enabled cuz that
spending you are being enabled cuz that
spending you are being enabled cuz that should be going to credit card debt that
should be going to credit card debt that
should be going to credit card debt that should be going to other expenses that
should be going to other expenses that
should be going to other expenses that you can't take care of but they're
you can't take care of but they're
you can't take care of but they're paying for it when
paying for it when
paying for it when 99.1% is going to nail salon oh wait
99.1% is going to nail salon oh wait
99.1% is going to nail salon oh wait sorry it's going to Super rate the
sorry it's going to Super rate the
sorry it's going to Super rate the people that are supposed to pay you yeah
people that are supposed to pay you yeah
people that are supposed to pay you yeah why'd you rent a room long story
why'd you rent a room long story
why'd you rent a room long story curious I was being a helpful Guardian
curious I was being a helpful Guardian
curious I was being a helpful Guardian there was a um a veteran staying there
there was a um a veteran staying there
there was a um a veteran staying there and he couldn't pay the rest of his room
and he couldn't pay the rest of his room
and he couldn't pay the rest of his room so I I love the heart but I offered to
so I I love the heart but I offered to
so I I love the heart but I offered to pay the rest of his room for him because
pay the rest of his room for him because
pay the rest of his room for him because he was suffering and he needed help I
he was suffering and he needed help I
he was suffering and he needed help I love the heart I love the heart I have a
love the heart I love the heart I have a
love the heart I love the heart I have a very big heart yes I just don't know if
very big heart yes I just don't know if
very big heart yes I just don't know if what's being done for your financial
what's being done for your financial
what's being done for your financial situation is actually helping you long
situation is actually helping you long
situation is actually helping you long term because again I don't want you to
term because again I don't want you to
term because again I don't want you to have to pay off a bunch of credit card
have to pay off a bunch of credit card
have to pay off a bunch of credit card debt that that's not what I'm thrilled
debt that that's not what I'm thrilled
debt that that's not what I'm thrilled about I don't want to see you suffer I
about I don't want to see you suffer I
about I don't want to see you suffer I don't want to see you hurt I'm just
don't want to see you hurt I'm just
don't want to see you hurt I'm just afraid you didn't learn anything from it
afraid you didn't learn anything from it
afraid you didn't learn anything from it oh I'm definitely learning now I'm
oh I'm definitely learning now I'm
oh I'm definitely learning now I'm definitely I know but like before no I
definitely I know but like before no I
definitely I know but like before no I was very Reckless with my money and it
was very Reckless with my money and it
was very Reckless with my money and it was just before the credit card debt I
was just before the credit card debt I
was just before the credit card debt I was just very selfless with my money and
was just very selfless with my money and
was just very selfless with my money and if sometimes I would take money out of
if sometimes I would take money out of
if sometimes I would take money out of my uh my savings I was supposed to go to
my uh my savings I was supposed to go to
my uh my savings I was supposed to go to rent and just take like I don't know
rent and just take like I don't know
rent and just take like I don't know like5 $6 if I wanted coffee or something
like5 $6 if I wanted coffee or something
like5 $6 if I wanted coffee or something and then I would immediately go and
and then I would immediately go and
and then I would immediately go and donate the next day so I have enough
donate the next day so I have enough
donate the next day so I have enough more money to use for rent and have it
more money to use for rent and have it
more money to use for rent and have it paid off by the time that rents do um
paid off by the time that rents do um
paid off by the time that rents do um and then still have like 30 40 bucks for
and then still have like 30 40 bucks for
and then still have like 30 40 bucks for like gas and stuff like that so I was
like gas and stuff like that so I was
like gas and stuff like that so I was always like so cash after your spending
always like so cash after your spending
always like so cash after your spending account then no what is this what's the
account then no what is this what's the
account then no what is this what's the point of it I mean you're losing money
point of it I mean you're losing money
point of it I mean you're losing money on it you put in 146 146 went out but
on it you put in 146 146 went out but
on it you put in 146 146 went out but you also were charged $210 to use it so
you also were charged $210 to use it so
you also were charged $210 to use it so what's the point of this you already
what's the point of this you already
what's the point of this you already have your checking account what's the
have your checking account what's the
have your checking account what's the point of this I use cash app when I go
point of this I use cash app when I go
point of this I use cash app when I go to my tattoo shop because they they use
to my tattoo shop because they they use
to my tattoo shop because they they use cash app to pay pay so I get money put
cash app to pay pay so I get money put
cash app to pay pay so I get money put it in my cash app no why not just use
it in my cash app no why not just use
it in my cash app no why not just use cash app then it's free yeah instead of
cash app then it's free yeah instead of
cash app then it's free yeah instead of using this thing that you're paying a
using this thing that you're paying a
using this thing that you're paying a fee for but I have Navy Federal also no
fee for but I have Navy Federal also no
fee for but I have Navy Federal also no exactly cash app from Navy Federal to
exactly cash app from Navy Federal to
exactly cash app from Navy Federal to them instead of having this cash app
them instead of having this cash app
them instead of having this cash app like checking account thing that you
like checking account thing that you
like checking account thing that you have huh I don't know I could do that
have huh I don't know I could do that
have huh I don't know I could do that honestly you didn't know that you could
honestly you didn't know that you could
honestly you didn't know that you could use cash app in a normal way that
use cash app in a normal way that
use cash app in a normal way that everyone else uses it well I have a cash
everyone else uses it well I have a cash
everyone else uses it well I have a cash app card if that's what you're saying I
app card if that's what you're saying I
app card if that's what you're saying I know that's that's what's happening
know that's that's what's happening
know that's that's what's happening that's why you're being charged a fee a
that's why you're being charged a fee a
that's why you're being charged a fee a fee like the like to get to get money
fee like the like to get to get money
fee like the like to get to get money out of your checking account $210 was
out of your checking account $210 was
out of your checking account $210 was your fee to use the account that you
your fee to use the account that you
your fee to use the account that you have with them yeah yeah if you just use
have with them yeah yeah if you just use
have with them yeah yeah if you just use a normal cash app which takes from the
a normal cash app which takes from the
a normal cash app which takes from the checking account you already have to
checking account you already have to
checking account you already have to their cash app yeah account that's free
their cash app yeah account that's free
their cash app yeah account that's free yeah that's free yeah you could do that
yeah that's free yeah you could do that
yeah that's free yeah you could do that mhm I I do I use it for like little
mhm I I do I use it for like little
mhm I I do I use it for like little miscellaneous stuff I don't use it as
miscellaneous stuff I don't use it as
miscellaneous stuff I don't use it as like a a fall back what what are these
like a a fall back what what are these
like a a fall back what what are these they're blacked out it's $100 that you
they're blacked out it's $100 that you
they're blacked out it's $100 that you spent plus a
spent plus a
spent plus a fee than
fee than
fee than $20 than a dollar that's most likely
$20 than a dollar that's most likely
$20 than a dollar that's most likely from like my tattoos there's like the
from like my tattoos there's like the
from like my tattoos there's like the $20 fee was like the the down payment
$20 fee was like the the down payment
$20 fee was like the the down payment and then the the 100 was for my tattoo
and then the the 100 was for my tattoo
and then the the 100 was for my tattoo and then when my family finds out that
and then when my family finds out that
and then when my family finds out that I've gotten a tattoo and I ask for gas
I've gotten a tattoo and I ask for gas
I've gotten a tattoo and I ask for gas money they're like well you use your
money they're like well you use your
money they're like well you use your tattoo money to go get gas then and you
tattoo money to go get gas then and you
tattoo money to go get gas then and you bought a dollar of Apple stock yeah I
bought a dollar of Apple stock yeah I
bought a dollar of Apple stock yeah I tried I thought it would be cool I
tried I thought it would be cool I
tried I thought it would be cool I didn't like I'm opening up to new things
didn't like I'm opening up to new things
didn't like I'm opening up to new things you I thought I thought I don't know
you I thought I thought I don't know
you I thought I thought I don't know what it is I genuinely didn't know what
what it is I genuinely didn't know what
what it is I genuinely didn't know what it was but I like I've heard people like
it was but I like I've heard people like
it was but I like I've heard people like opening stocks and like getting more
opening stocks and like getting more
opening stocks and like getting more money and being successful with it so I
money and being successful with it so I
money and being successful with it so I was like let's try it and I got 96 cents
was like let's try it and I got 96 cents
was like let's try it and I got 96 cents out of it so what do you mean you got 96
out of it so what do you mean you got 96
out of it so what do you mean you got 96 cents it came back with like 96 cents in
cents it came back with like 96 cents in
cents it came back with like 96 cents in stocks for like Nike you put it what was
stocks for like Nike you put it what was
stocks for like Nike you put it what was it Nike or so you open like a new thing
it Nike or so you open like a new thing
it Nike or so you open like a new thing you got free yeah by the way you can do
you got free yeah by the way you can do
you got free yeah by the way you can do that with moomo links in the description
that with moomo links in the description
that with moomo links in the description below get a bunch of free stocks it's
below get a bunch of free stocks it's
below get a bunch of free stocks it's pretty sick that's what I personally use
pretty sick that's what I personally use
pretty sick that's what I personally use I use a lot of girl math I use a lot of
I use a lot of girl math I use a lot of
I use a lot of girl math I use a lot of like that I'm so that first of all that
like that I'm so that first of all that
like that I'm so that first of all that was a meme from like two months ago the
was a meme from like two months ago the
was a meme from like two months ago the internet moves quick H yeah and second
internet moves quick H yeah and second
internet moves quick H yeah and second of all it's back uh math math is the
of all it's back uh math math is the
of all it's back uh math math is the real math when we're actually talking
real math when we're actually talking
real math when we're actually talking about your life and improving your
about your life and improving your
about your life and improving your situation but if real
situation but if real
situation but if real math doesn't
work then we transition to girl math and
work then we transition to girl math and we use it to live but I I know you're
we use it to live but I I know you're
we use it to live but I I know you're saying that I'm not financially stable
saying that I'm not financially stable
saying that I'm not financially stable I'm not financially um well no because
I'm not financially um well no because
I'm not financially um well no because you can't take care of your own bills I
you can't take care of your own bills I
you can't take care of your own bills I can no you can't I have been no you
can no you can't I have been no you
can no you can't I have been no you haven't they're paying your credit card
haven't they're paying your credit card
haven't they're paying your credit card that's not I don't use that for my bills
that's not I don't use that for my bills
that's not I don't use that for my bills I have no no no but that is a bill you
I have no no no but that is a bill you
I have no no no but that is a bill you have to take care of and you are not
have to take care of and you are not
have to take care of and you are not taking care of it so you cannot take
taking care of it so you cannot take
taking care of it so you cannot take care of your bills I will be but you're
care of your bills I will be but you're
care of your bills I will be but you're not you're not and you said you are but
not you're not and you said you are but
not you're not and you said you are but you're not I have very understanding and
you're not I have very understanding and
you're not I have very understanding and caring parents no that's fantastic good
caring parents no that's fantastic good
caring parents no that's fantastic good good congratulations I'm thrilled for
good congratulations I'm thrilled for
good congratulations I'm thrilled for you but you're not taking care of your
you but you're not taking care of your
you but you're not taking care of your bills you're
bills you're
bills you're not I need to get back on that it's a
not I need to get back on that it's a
not I need to get back on that it's a it's a budgeting thing that's I've never
it's a budgeting thing that's I've never
it's a budgeting thing that's I've never learned how to budget nobody taught me
learned how to budget nobody taught me
learned how to budget nobody taught me how to budget that's the problem so I'm
how to budget that's the problem so I'm
how to budget that's the problem so I'm I'm going to like my sister um don't
I'm going to like my sister um don't
I'm going to like my sister um don't listen to your sister don't listen go
listen to your sister don't listen go
listen to your sister don't listen go because we everyone that comes on the
because we everyone that comes on the
because we everyone that comes on the show we give our budging program to free
show we give our budging program to free
show we give our budging program to free for free literally thousands of people
for free literally thousands of people
for free literally thousands of people tens of thousands have taken it and
tens of thousands have taken it and
tens of thousands have taken it and thousands of people have already reached
thousands of people have already reached
thousands of people have already reached back of How It's Chang their
back of How It's Chang their
back of How It's Chang their go through it please that'll actually
go through it please that'll actually
go through it please that'll actually teach you how to budget yeah and like I
teach you how to budget yeah and like I
teach you how to budget yeah and like I like I'll get my check in the first the
like I'll get my check in the first the
like I'll get my check in the first the beginning of the month I'll take out
beginning of the month I'll take out
beginning of the month I'll take out like3 $400 I'll take out like $300 and
like3 $400 I'll take out like $300 and
like3 $400 I'll take out like $300 and then my next check will come in and then
then my next check will come in and then
then my next check will come in and then I'll take out another 300 and that's 600
I'll take out another 300 and that's 600
I'll take out another 300 and that's 600 boom that's my part of the rent and then
boom that's my part of the rent and then
boom that's my part of the rent and then I pay my phone which is 120 I got a new
I pay my phone which is 120 I got a new
I pay my phone which is 120 I got a new phone I pay my car finan your phone [ __ ]
phone I pay my car finan your phone [ __ ]
phone I pay my car finan your phone [ __ ] yeah I don't have insurance on it too so
yeah I don't have insurance on it too so
yeah I don't have insurance on it too so I'm only paying it off and then when
I'm only paying it off and then when
I'm only paying it off and then when it's paid off I'm good
it's paid off I'm good
it's paid off I'm good um probably a bad idea cuz I dropped my
um probably a bad idea cuz I dropped my
um probably a bad idea cuz I dropped my phone a lot but you know it's okay um
phone a lot but you know it's okay um
phone a lot but you know it's okay um the case and then you um the company I
the case and then you um the company I
the case and then you um the company I use my car for they um they let me split
use my car for they um they let me split
use my car for they um they let me split up my insurance payments into two
up my insurance payments into two
up my insurance payments into two payments so I'm paying 126 on the 1 and
payments so I'm paying 126 on the 1 and
payments so I'm paying 126 on the 1 and another 126 on the 15th so pretty much
another 126 on the 15th so pretty much
another 126 on the 15th so pretty much the first of every month is my my car
the first of every month is my my car
the first of every month is my my car and my rent we'll teach you how an
and my rent we'll teach you how an
and my rent we'll teach you how an actually
actually
actually budget okay ended with a dollar 71 in
budget okay ended with a dollar 71 in
budget okay ended with a dollar 71 in your checking account and 276 in your
your checking account and 276 in your
your checking account and 276 in your savings a171 what happens if a payment
savings a171 what happens if a payment
savings a171 what happens if a payment hits I I that's one thing I do I am very
hits I I that's one thing I do I am very
hits I I that's one thing I do I am very careful as to what payments are going to
careful as to what payments are going to
careful as to what payments are going to be Auto collected out of my account and
be Auto collected out of my account and
be Auto collected out of my account and when I need to put money in the account
when I need to put money in the account
when I need to put money in the account um yeah it sounds like we can really
um yeah it sounds like we can really
um yeah it sounds like we can really afford to go to Dutch
afford to go to Dutch
afford to go to Dutch Bros Hobby Lobby some Taquito and
Bros Hobby Lobby some Taquito and
Bros Hobby Lobby some Taquito and Michael store and Little Caesars and
Michael store and Little Caesars and
Michael store and Little Caesars and cash apping out 61 bucks there's your
cash apping out 61 bucks there's your
cash apping out 61 bucks there's your super eight and PlayStation Network yeah
super eight and PlayStation Network yeah
super eight and PlayStation Network yeah we can that $20 when you're don't have
we can that $20 when you're don't have
we can that $20 when you're don't have money in your Che account I got a place
money in your Che account I got a place
money in your Che account I got a place like Cooper no you don't I got a place
like Cooper no you don't I got a place
like Cooper no you don't I got a place like and you cash app out a dollar and
like and you cash app out a dollar and
like and you cash app out a dollar and then McDonald's 15 bucks I'm hungry
then McDonald's 15 bucks I'm hungry
then McDonald's 15 bucks I'm hungry Starbucks congratulations make a
Starbucks congratulations make a
Starbucks congratulations make a sandwich if I've got the money that's
sandwich if I've got the money that's
sandwich if I've got the money that's that's my analogy if I have the money
that's my analogy if I have the money
that's my analogy if I have the money and it's it's available to me and I
and it's it's available to me and I
and it's it's available to me and I don't have to pay anything right then
don't have to pay anything right then
don't have to pay anything right then and there I'm going to I'm going to use
and there I'm going to I'm going to use
and there I'm going to I'm going to use it and then you have a brain use the
it and then you have a brain use the
it and then you have a brain use the brain as well I do and that no not
brain as well I do and that no not
brain as well I do and that no not financially that would say that that's
financially that would say that that's
financially that would say that that's not how finances work yeah that's not
not how finances work yeah that's not
not how finances work yeah that's not how finances work yeah you want to be
how finances work yeah you want to be
how finances work yeah you want to be able to retire at some point or do you
able to retire at some point or do you
able to retire at some point or do you want to work until you're 90 and drop
want to work until you're 90 and drop
want to work until you're 90 and drop that in the Walmart floor what's what
that in the Walmart floor what's what
that in the Walmart floor what's what what do you prefer i' like to have a
what do you prefer i' like to have a
what do you prefer i' like to have a 401k in the future yes oh that'd be
401k in the future yes oh that'd be
401k in the future yes oh that'd be great yes okay so um we cannot have a
great yes okay so um we cannot have a
great yes okay so um we cannot have a dollar to our name in that case because
dollar to our name in that case because
dollar to our name in that case because where does that money go how do we put
where does that money go how do we put
where does that money go how do we put into a 401k how do we put into a Roth
into a 401k how do we put into a Roth
into a 401k how do we put into a Roth IRA how do we put into individual stocks
IRA how do we put into individual stocks
IRA how do we put into individual stocks I cuz I don't know how to do that it's
I cuz I don't know how to do that it's
I cuz I don't know how to do that it's not about even knowing how to do it I'm
not about even knowing how to do it I'm
not about even knowing how to do it I'm saying even if you did know how too
saying even if you did know how too
saying even if you did know how too doesn't matter you have a
doesn't matter you have a
doesn't matter you have a dollar so that's where no you cannot
dollar so that's where no you cannot
dollar so that's where no you cannot afford things right now like the
afford things right now like the
afford things right now like the PlayStation
PlayStation
PlayStation Network yeah because you should now that
Network yeah because you should now that
Network yeah because you should now that you're 20 should be contributing to this
you're 20 should be contributing to this
you're 20 should be contributing to this because what's awesome I mean i' would
because what's awesome I mean i' would
because what's awesome I mean i' would rather you do 20 but even if you're
rather you do 20 but even if you're
rather you do 20 but even if you're doing 15% starting now on a monthly
doing 15% starting now on a monthly
doing 15% starting now on a monthly basis that goes into Investments man
basis that goes into Investments man
basis that goes into Investments man you're with the time on your side for
you're with the time on your side for
you're with the time on your side for compound growth it's insane you're
compound growth it's insane you're
compound growth it's insane you're retiring so you're just retiring
retiring so you're just retiring
retiring so you're just retiring comfortably and it's great with minimal
comfortably and it's great with minimal
comfortably and it's great with minimal effort mhm Etsy shine sheen sheen door
effort mhm Etsy shine sheen sheen door
effort mhm Etsy shine sheen sheen door Dash and Starbucks again great yeah we
Dash and Starbucks again great yeah we
Dash and Starbucks again great yeah we can afford that with a dollar on our
can afford that with a dollar on our
can afford that with a dollar on our check account these are all my
check account these are all my
check account these are all my miscellaneous things again if I have I
miscellaneous things again if I have I
miscellaneous things again if I have I know it's they're called B is what
know it's they're called B is what
know it's they're called B is what they're actually called if I have the
they're actually called if I have the
they're actually called if I have the money if I have the spare money or if I
money if I have the spare money or if I
money if I have the spare money or if I donate the day before I can use that
donate the day before I can use that
donate the day before I can use that donating money to get what I want so you
donating money to get what I want so you
donating money to get what I want so you disagree with everything I just said
disagree with everything I just said
disagree with everything I just said then no no no I agree with everything
then no no no I agree with everything
then no no no I agree with everything you're saying completely then why did
you're saying completely then why did
you're saying completely then why did you just say that you can do that cuz if
you just say that you can do that cuz if
you just say that you can do that cuz if I have the okay disagree with everything
I have the okay disagree with everything
I have the okay disagree with everything you're saying but again if I have why
you're saying but again if I have why
you're saying but again if I have why you don't want to be set up for success
you don't want to be set up for success
you don't want to be set up for success in the future I do I do my then your
in the future I do I do my then your
in the future I do I do my then your philosophy just completely counteracted
philosophy just completely counteracted
philosophy just completely counteracted that yeah I don't think I have like much
that yeah I don't think I have like much
that yeah I don't think I have like much of a fallback honestly I just I know you
of a fallback honestly I just I know you
of a fallback honestly I just I know you don't have an emergency fund that's like
don't have an emergency fund that's like
don't have an emergency fund that's like basic personal finance 101 my emergency
basic personal finance 101 my emergency
basic personal finance 101 my emergency fund would be my credit card no your
fund would be my credit card no your
fund would be my credit card no your emergency fund is your parents well
emergency fund is your parents well
emergency fund is your parents well again my parents have my credit card you
again my parents have my credit card you
again my parents have my credit card you can't take care of your own well I mean
can't take care of your own well I mean
can't take care of your own well I mean there good thing they have your credit
there good thing they have your credit
there good thing they have your credit card I would cut up your credit card
card I would cut up your credit card
card I would cut up your credit card you're not not a credit card person not
you're not not a credit card person not
you're not not a credit card person not even close to a credit card person yeah
even close to a credit card person yeah
even close to a credit card person yeah I mean the slap in the face really helps
I mean the slap in the face really helps
I mean the slap in the face really helps yeah but like I mean obviously having
yeah but like I mean obviously having
yeah but like I mean obviously having parents that I can go to in a time of
parents that I can go to in a time of
parents that I can go to in a time of need is great no that's good I'm not
need is great no that's good I'm not
need is great no that's good I'm not opposed to that the thing is is you are
opposed to that the thing is is you are
opposed to that the thing is is you are not independent like the way you're
not independent like the way you're
not independent like the way you're thinking you are not taking care of
thinking you are not taking care of
thinking you are not taking care of yourself like the way you think you are
yourself like the way you think you are
yourself like the way you think you are dollar in check account they're paying
dollar in check account they're paying
dollar in check account they're paying some of the bills that you're requireed
some of the bills that you're requireed
some of the bills that you're requireed to an emergency pop up they're there so
to an emergency pop up they're there so
to an emergency pop up they're there so what that is showing you not taking care
what that is showing you not taking care
what that is showing you not taking care of your accounts you not being set up
of your accounts you not being set up
of your accounts you not being set up for an emergency when you could be but
for an emergency when you could be but
for an emergency when you could be but you're deciding to again 9% on things
you're deciding to again 9% on things
you're deciding to again 9% on things that don't really matter 10% on things
that don't really matter 10% on things
that don't really matter 10% on things that definitely don't matter than going
that definitely don't matter than going
that definitely don't matter than going out to eat another
out to eat another
out to eat another 4% then they with those actions even
4% then they with those actions even
4% then they with those actions even though coming from a good place that I
though coming from a good place that I
though coming from a good place that I support the place in heart they are
support the place in heart they are
support the place in heart they are enabling you of going out and spending
enabling you of going out and spending
enabling you of going out and spending your bull instead of you actually taking
your bull instead of you actually taking
your bull instead of you actually taking control building an emergency fund
control building an emergency fund
control building an emergency fund paying off your debt starting to save
paying off your debt starting to save
paying off your debt starting to save for retirement because you know they are
for retirement because you know they are
for retirement because you know they are there for you to
there for you to
there for you to just fall back on yeah and I'm trying to
just fall back on yeah and I'm trying to
just fall back on yeah and I'm trying to get out of that I'm trying to I mean I'm
get out of that I'm trying to I mean I'm
get out of that I'm trying to I mean I'm paying little things here and there and
paying little things here and there and
paying little things here and there and I mean just being able to pay my bills
I mean just being able to pay my bills
I mean just being able to pay my bills is just showing them alone that I can I
is just showing them alone that I can I
is just showing them alone that I can I can not how many times have we been over
can not how many times have we been over
can not how many times have we been over this do you not know that your credit
this do you not know that your credit
this do you not know that your credit cards is a bill well yeah but that's not
cards is a bill well yeah but that's not
cards is a bill well yeah but that's not a bill that I'm worried about currently
a bill that I'm worried about currently
a bill that I'm worried about currently cuz it's
cuz it's
cuz it's exists bill that exists you don't get to
exists bill that exists you don't get to
exists bill that exists you don't get to pick and choose what bills we worry
pick and choose what bills we worry
pick and choose what bills we worry about the bills are the bills are the
about the bills are the bills are the
about the bills are the bills are the bills are the bills so no you are not
bills are the bills so no you are not
bills are the bills so no you are not paying your bills cuz you relying on
paying your bills cuz you relying on
paying your bills cuz you relying on them to pay some of your bills right so
them to pay some of your bills right so
them to pay some of your bills right so stop with that well everything aside
stop with that well everything aside
stop with that well everything aside from that bill that I can start to cool
from that bill that I can start to cool
from that bill that I can start to cool we're picking and choosing that's
we're picking and choosing that's
we're picking and choosing that's fantastic well what else am I supposed
fantastic well what else am I supposed
fantastic well what else am I supposed to do just admit that you're not taking
to do just admit that you're not taking
to do just admit that you're not taking care of I did I'm not of course I'm not
care of I did I'm not of course I'm not
care of I did I'm not of course I'm not there's there's a lot of other things
there's there's a lot of other things
there's there's a lot of other things that I could totally be paying and
that I could totally be paying and
that I could totally be paying and helping them pay off and it's from them
helping them pay off and it's from them
helping them pay off and it's from them it's a requirement that at some point I
it's a requirement that at some point I
it's a requirement that at some point I start paying it off because they've been
start paying it off because they've been
start paying it off because they've been paying it off since last year and and so
paying it off since last year and and so
paying it off since last year and and so on and so forth so um I mean with me
on and so forth so um I mean with me
on and so forth so um I mean with me paying off my because they basically
paying off my because they basically
paying off my because they basically said you move out you're going to be
said you move out you're going to be
said you move out you're going to be paying this and this and this so be
paying this and this and this so be
paying this and this and this so be prepared to do that if you want to move
prepared to do that if you want to move
prepared to do that if you want to move out I was like okay so we started slowly
out I was like okay so we started slowly
out I was like okay so we started slowly I started I took my um my phone bill off
I started I took my um my phone bill off
I started I took my um my phone bill off my credit card because my phone bill was
my credit card because my phone bill was
my credit card because my phone bill was connected to my credit card account so I
connected to my credit card account so I
connected to my credit card account so I took that off I started paying that it
took that off I started paying that it
took that off I started paying that it was 80 something a month cuz I had an 11
was 80 something a month cuz I had an 11
was 80 something a month cuz I had an 11 and I upgraded to a 14 so now it's 120
and I upgraded to a 14 so now it's 120
and I upgraded to a 14 so now it's 120 so I'm paying 120 for my phone right now
so I'm paying 120 for my phone right now
so I'm paying 120 for my phone right now and then um 1 1400 for rent yeah um and
and then um 1 1400 for rent yeah um and
and then um 1 1400 for rent yeah um and then my car is
then my car is
then my car is 126 um split into two payments wait what
126 um split into two payments wait what
126 um split into two payments wait what are you feeling a bit dirty are you a
are you feeling a bit dirty are you a
are you feeling a bit dirty are you a for index funds like me or maybe you
for index funds like me or maybe you
for index funds like me or maybe you prefer BDSM M bonds dividends
prefer BDSM M bonds dividends
prefer BDSM M bonds dividends stocks mutual funds if that sounds like
stocks mutual funds if that sounds like
stocks mutual funds if that sounds like you your Finance daddy is only giving
you your Finance daddy is only giving
you your Finance daddy is only giving you these exclusive designs to the end
you these exclusive designs to the end
you these exclusive designs to the end of this month and then they go away and
of this month and then they go away and
of this month and then they go away and if it's not for you you can eat my
if it's not for you you can eat my
if it's not for you you can eat my assets get your dirty money Shirts Mugs
assets get your dirty money Shirts Mugs
assets get your dirty money Shirts Mugs posters stickers and sweatshirts Before
posters stickers and sweatshirts Before
posters stickers and sweatshirts Before Time runs out at the end of this month
Time runs out at the end of this month
Time runs out at the end of this month go to shop. calb hammer.com dirty or
go to shop. calb hammer.com dirty or
go to shop. calb hammer.com dirty or click the link in the description below
click the link in the description below
click the link in the description below my insurance company for my car they're
my insurance company for my car they're
my insurance company for my car they're letting me oh but not not a car debt not
letting me oh but not not a car debt not
letting me oh but not not a car debt not car debt car insurance yeah Insurance
car debt car insurance yeah Insurance
car debt car insurance yeah Insurance how it split two payments a month yeah
how it split two payments a month yeah
how it split two payments a month yeah what's what's each
12605 that's
12605 that's disgusting so like 256 something right
disgusting so like 256 something right
disgusting so like 256 something right you know if you knew how to properly
you know if you knew how to properly
you know if you knew how to properly budget you would not need to split that
budget you would not need to split that
budget you would not need to split that in half it just seems easier at right
in half it just seems easier at right
in half it just seems easier at right now um it can be if you budget
now um it can be if you budget
now um it can be if you budget improperly but well I mean the the math
improperly but well I mean the the math
improperly but well I mean the the math that I'm doing in my head is I know all
that I'm doing in my head is I know all
that I'm doing in my head is I know all I'm saying is if you budget properly you
I'm saying is if you budget properly you
I'm saying is if you budget properly you will not have to do that yeah eventually
will not have to do that yeah eventually
will not have to do that yeah eventually I won't have to be able to do that once
I won't have to be able to do that once
I won't have to be able to do that once I actually get a degree and do the
I actually get a degree and do the
I actually get a degree and do the things that I need to do how are you
things that I need to do how are you
things that I need to do how are you going to get a degree though it sounds
going to get a degree though it sounds
going to get a degree though it sounds like you are not going to pass the class
like you are not going to pass the class
like you are not going to pass the class for the third time and if you fail the
for the third time and if you fail the
for the third time and if you fail the class for the third time what happens
class for the third time what happens
class for the third time what happens they kick me out yeah and how are you
they kick me out yeah and how are you
they kick me out yeah and how are you you said you're transferring to a
you said you're transferring to a
you said you're transferring to a university who's going to who why
university who's going to who why
university who's going to who why University is going to accept someone
University is going to accept someone
University is going to accept someone below 2.0 to Community College no
below 2.0 to Community College no
below 2.0 to Community College no University would do that okay so you're
University would do that okay so you're
University would do that okay so you're not transferring to a university I have
not transferring to a university I have
not transferring to a university I have to what I'm doing is basically just it's
to what I'm doing is basically just it's
to what I'm doing is basically just it's like University of Phoenix and they're
like University of Phoenix and they're
like University of Phoenix and they're just trying to scam you for money yeah
just trying to scam you for money yeah
just trying to scam you for money yeah yeah I tried that already um really you
yeah I tried that already um really you
yeah I tried that already um really you tried that um but then I slowly realized
tried that um but then I slowly realized
tried that um but then I slowly realized that the government would not pay for my
that the government would not pay for my
that the government would not pay for my school if it wasn't in Go full sale and
school if it wasn't in Go full sale and
school if it wasn't in Go full sale and get a worthless degree spend a lot of
get a worthless degree spend a lot of
get a worthless degree spend a lot of money yeah student loans no um but if I
money yeah student loans no um but if I
money yeah student loans no um but if I don't I'm not taking a math class
don't I'm not taking a math class
don't I'm not taking a math class currently so the classes I'm taking if I
currently so the classes I'm taking if I
currently so the classes I'm taking if I bring my GPA up a little bit then they
bring my GPA up a little bit then they
bring my GPA up a little bit then they can it'll raise and it'll be okay well
can it'll raise and it'll be okay well
can it'll raise and it'll be okay well now we can see what other classes we can
now we can see what other classes we can
now we can see what other classes we can get you into and see if you do good in
get you into and see if you do good in
get you into and see if you do good in those if I do good in those then it'll
those if I do good in those then it'll
those if I do good in those then it'll raise higher obviously and then I can
raise higher obviously and then I can
raise higher obviously and then I can get into the the two math I only need
get into the the two math I only need
get into the the two math I only need two math classes to to pass for this
two math classes to to pass for this
two math classes to to pass for this semester I know but you fit I only need
semester I know but you fit I only need
semester I know but you fit I only need G uh Al what's going to be different
G uh Al what's going to be different
G uh Al what's going to be different this time I feel that it's different
this time I feel that it's different
this time I feel that it's different because I've moved out and I have the
because I've moved out and I have the
because I've moved out and I have the independence by myself it's weird living
independence by myself it's weird living
independence by myself it's weird living at home I don't work well when I'm being
at home I don't work well when I'm being
at home I don't work well when I'm being consistently told what to do so if I'm
consistently told what to do so if I'm
consistently told what to do so if I'm by myself in my own apartment I can do
by myself in my own apartment I can do
by myself in my own apartment I can do my my work when will you know if You'
my my work when will you know if You'
my my work when will you know if You' passed or
passed or
passed or failed by the end of the semester and I
failed by the end of the semester and I
failed by the end of the semester and I when does the semester end you're in it
when does the semester end you're in it
when does the semester end you're in it right now yeah I started two weeks ago
right now yeah I started two weeks ago
right now yeah I started two weeks ago when does the semester end April
when does the semester end April
when does the semester end April 3rd please email us with an update on if
3rd please email us with an update on if
3rd please email us with an update on if you passed or failed yeah yeah please
you passed or failed yeah yeah please
you passed or failed yeah yeah please pass I will it's it's I'm really
pass I will it's it's I'm really
pass I will it's it's I'm really confident in English I'm in English and
confident in English I'm in English and
confident in English I'm in English and I'm in a that's great we're only talking
I'm in a that's great we're only talking
I'm in a that's great we're only talking about math yeah I'm in a Student Success
about math yeah I'm in a Student Success
about math yeah I'm in a Student Success class so that's a class that's just
class so that's a class that's just
class so that's a class that's just going to teach me how to study better
going to teach me how to study better
going to teach me how to study better and organize and stuff like that so
and organize and stuff like that so
and organize and stuff like that so those are two classes I'm very confident
those are two classes I'm very confident
those are two classes I'm very confident in so obviously my GPA is going to come
in so obviously my GPA is going to come
in so obviously my GPA is going to come up a little bit my GPA is a
up a little bit my GPA is a
up a little bit my GPA is a 1.8 so I'm not too far off from a 2.0
1.8 so I'm not too far off from a 2.0
1.8 so I'm not too far off from a 2.0 GPA um and I'm getting I'm getting the
GPA um and I'm getting I'm getting the
GPA um and I'm getting I'm getting the help I have a good support system and
help I have a good support system and
help I have a good support system and living on my own has given me the
living on my own has given me the
living on my own has given me the isolation to do things how are you how
isolation to do things how are you how
isolation to do things how are you how are you getting food are you grocery
are you getting food are you grocery
are you getting food are you grocery shopping and cooking other than the
shopping and cooking other than the
shopping and cooking other than the eating out you obviously did food stamps
eating out you obviously did food stamps
eating out you obviously did food stamps I my uh boyfriend has food stamps so you
I my uh boyfriend has food stamps so you
I my uh boyfriend has food stamps so you guys split rent huh you split rent well
guys split rent huh you split rent well
guys split rent huh you split rent well that's different what do you mean this
that's different what do you mean this
that's different what do you mean this is new what do you mean it's 1,200 total
is new what do you mean it's 1,200 total
is new what do you mean it's 1,200 total and you split it yeah okay so 600 and
and you split it yeah okay so 600 and
and you split it yeah okay so 600 and 600 oh thank goodness now that's
600 oh thank goodness now that's
600 oh thank goodness now that's unfortunately not super like reliable
unfortunately not super like reliable
unfortunately not super like reliable like you could break up yeah we break up
like you could break up yeah we break up
like you could break up yeah we break up I get the apartment
I get the apartment
I get the apartment yeah you get the rent bill yeah again
yeah you get the rent bill yeah again
yeah you get the rent bill yeah again with that I have an extremely amazing
with that I have an extremely amazing
with that I have an extremely amazing support team and it it all comes back
support team and it it all comes back
support team and it it all comes back to how much do you have to put into
to how much do you have to put into
to how much do you have to put into Groceries on a monthly basis I don't put
Groceries on a monthly basis I don't put
Groceries on a monthly basis I don't put in for groceries I put in for money
in for groceries I put in for money
in for groceries I put in for money items so basically well we share each
items so basically well we share each
items so basically well we share each Cooperative item that we need so money
Cooperative item that we need so money
Cooperative item that we need so money items you're talking like toilet paper
items you're talking like toilet paper
items you're talking like toilet paper toothbrush stuff like that yeah I'm
toothbrush stuff like that yeah I'm
toothbrush stuff like that yeah I'm giving you a 100 bucks for that about
giving you a 100 bucks for that about
giving you a 100 bucks for that about roughly yeah yeah it's called the toilet
roughly yeah yeah it's called the toilet
roughly yeah yeah it's called the toilet paper fund yeah and then we get nothing
paper fund yeah and then we get nothing
paper fund yeah and then we get nothing for groceries mom we get 300 stamps wait
for groceries mom we get 300 stamps wait
for groceries mom we get 300 stamps wait rent I thought rent was 1400 rent can be
rent I thought rent was 1400 rent can be
rent I thought rent was 1400 rent can be up to, 1400 I take a lot of I I use the
up to, 1400 I take a lot of I I use the
up to, 1400 I take a lot of I I use the water a lot so so that includes water so
water a lot so so that includes water so
water a lot so so that includes water so 700 for that okay cool what else you
700 for that okay cool what else you
700 for that okay cool what else you guys split utilities utilities yeah what
guys split utilities utilities yeah what
guys split utilities utilities yeah what are utilities going to come out to gas
are utilities going to come out to gas
are utilities going to come out to gas electric all that CPS
electric all that CPS
electric all that CPS water about 150
water about 150
water about 150 combined uh internet internet I don't
combined uh internet internet I don't
combined uh internet internet I don't know actually he takes care of the
know actually he takes care of the
know actually he takes care of the internet oh okay you don't have to pay
internet oh okay you don't have to pay
internet oh okay you don't have to pay the $43 minimum monly payment on your
the $43 minimum monly payment on your
the $43 minimum monly payment on your credit card very lucky for that yeah gas
credit card very lucky for that yeah gas
credit card very lucky for that yeah gas car gas vom vroom I got $107 so he uh
car gas vom vroom I got $107 so he uh
car gas vom vroom I got $107 so he uh good old boyfriend doesn't drive so um I
good old boyfriend doesn't drive so um I
good old boyfriend doesn't drive so um I basically take him everywhere um so I
basically take him everywhere um so I
basically take him everywhere um so I take him to work um sounds like he needs
take him to work um sounds like he needs
take him to work um sounds like he needs to be on the show why the is he like
to be on the show why the is he like
to be on the show why the is he like he's working right now how much uh he's
he's working right now how much uh he's
he's working right now how much uh he's doing a right now it took him to work at
doing a right now it took him to work at
doing a right now it took him to work at 9:00 yeah but how many hours a week I
9:00 yeah but how many hours a week I
9:00 yeah but how many hours a week I think 20 hours a week what a joke why
think 20 hours a week what a joke why
think 20 hours a week what a joke why isn't he working more right now it's
isn't he working more right now it's
isn't he working more right now it's it's stable for him right now he's
it's stable for him right now he's
it's stable for him right now he's making enough to pay rent right now and
making enough to pay rent right now and
making enough to pay rent right now and it's St but he should try to do better
it's St but he should try to do better
it's St but he should try to do better and he should try to get off uh the uh
and he should try to get off uh the uh
and he should try to get off uh the uh uh government programs right but with
uh government programs right but with
uh government programs right but with the government programs he needs to make
the government programs he needs to make
the government programs he needs to make a certain amount to stay on the
a certain amount to stay on the
a certain amount to stay on the government program so it' be better for
government program so it' be better for
government program so it' be better for what I no I know but wouldn't he rather
what I no I know but wouldn't he rather
what I no I know but wouldn't he rather be independent wouldn't he rather be
be independent wouldn't he rather be
be independent wouldn't he rather be considered like productive and like get
considered like productive and like get
considered like productive and like get himself to a point where he's
himself to a point where he's
himself to a point where he's contributing to his retirement doesn't
contributing to his retirement doesn't
contributing to his retirement doesn't have to live well why why should the
have to live well why why should the
have to live well why why should the goal be to stay on the program the
goal be to stay on the program the
goal be to stay on the program the programs there is to safety that cuz no
programs there is to safety that cuz no
programs there is to safety that cuz no one should die starving that's
one should die starving that's
one should die starving that's unacceptable but his goal shouldn't be
unacceptable but his goal shouldn't be
unacceptable but his goal shouldn't be to stay on it's not our goal and right
to stay on it's not our goal and right
to stay on it's not our goal and right now we are but what you just said right
now we are but what you just said right
now we are but what you just said right we were living off of uh PB and Jays and
we were living off of uh PB and Jays and
we were living off of uh PB and Jays and ramen for a good while while we're
ramen for a good while while we're
ramen for a good while while we're waiting for our food Sams to come in and
waiting for our food Sams to come in and
waiting for our food Sams to come in and uh he makes enough right now to
uh he makes enough right now to
uh he makes enough right now to sustainably
sustainably
sustainably pay rent for us each month and his half
pay rent for us each month and his half
pay rent for us each month and his half yeah and if each if one why doesn't he
yeah and if each if one why doesn't he
yeah and if each if one why doesn't he work more than 20 hours a
work more than 20 hours a
work more than 20 hours a week the place he works at it's a very
week the place he works at it's a very
week the place he works at it's a very non well-known company wonderful why
non well-known company wonderful why
non well-known company wonderful why doesn't he get another job we're working
doesn't he get another job we're working
doesn't he get another job we're working on that cuz yeah are we actually working
on that cuz yeah are we actually working
on that cuz yeah are we actually working on it cuz service is still desperate
on it cuz service is still desperate
on it cuz service is still desperate higher in major cities like San Antonio
higher in major cities like San Antonio
higher in major cities like San Antonio I know I know he could go working
I know I know he could go working
I know I know he could go working overnight at McDonald's 7 days a week
overnight at McDonald's 7 days a week
overnight at McDonald's 7 days a week that's what he we have we've applied
that's what he we have we've applied
that's what he we have we've applied there he's applied there never got back
there he's applied there never got back
there he's applied there never got back to him again whenever I'm working or I'm
to him again whenever I'm working or I'm
to him again whenever I'm working or I'm at school now he has to walk and there's
at school now he has to walk and there's
at school now he has to walk and there's very many places that are in walking
very many places that are in walking
very many places that are in walking distance just that he's working also and
distance just that he's working also and
distance just that he's working also and he's working on school as well so so
he's working on school as well so so
he's working on school as well so so he's also in school mhm full-time
he's also in school mhm full-time
he's also in school mhm full-time parttime so there's there's a lot of
parttime so there's there's a lot of
parttime so there's there's a lot of things in the middle that we're trying
things in the middle that we're trying
things in the middle that we're trying to get done to achieve rent each month
to get done to achieve rent each month
to get done to achieve rent each month while still balancing him getting a new
while still balancing him getting a new
while still balancing him getting a new job because right now he he feels stable
job because right now he he feels stable
job because right now he he feels stable in the job that he currently is in but
in the job that he currently is in but
in the job that he currently is in but he's not I mean he's collecting
he's not I mean he's collecting
he's not I mean he's collecting assistance yeah he not stable yeah I
assistance yeah he not stable yeah I
assistance yeah he not stable yeah I guess you could say that we're we're
guess you could say that we're we're
guess you could say that we're we're trying to work around a boundary to
trying to work around a boundary to
trying to work around a boundary to figure out what we can do in the future
figure out what we can do in the future
figure out what we can do in the future to make it so that we are comfortable
to make it so that we are comfortable
to make it so that we are comfortable and we can kind of lay back with paying
and we can kind of lay back with paying
and we can kind of lay back with paying rent how long have you guys been
rent how long have you guys been
rent how long have you guys been together 15 months okay about a year and
together 15 months okay about a year and
together 15 months okay about a year and some change so um first apartment ever
some change so um first apartment ever
some change so um first apartment ever um so living together has been a hoot
um so living together has been a hoot
um so living together has been a hoot but we are struggling to financially
but we are struggling to financially
but we are struggling to financially figure out cuz we've gotten a couple
figure out cuz we've gotten a couple
figure out cuz we've gotten a couple arguments here and there and I've been
arguments here and there and I've been
arguments here and there and I've been yelled at for buying things I shouldn't
yelled at for buying things I shouldn't
yelled at for buying things I shouldn't be buying and um spending money that
be buying and um spending money that
be buying and um spending money that should be spending so I don't like
should be spending so I don't like
should be spending so I don't like anyone getting like yelled at from a
anyone getting like yelled at from a
anyone getting like yelled at from a significant other that's no no it's not
significant other that's no no it's not
significant other that's no no it's not like that not like that at all but it's
like that not like that at all but it's
like that not like that at all but it's just like little nagging like we need to
just like little nagging like we need to
just like little nagging like we need to save money I do the same thing yeah I do
save money I do the same thing yeah I do
save money I do the same thing yeah I do the same thing you need to work more and
the same thing you need to work more and
the same thing you need to work more and you need to save more yeah so 1007 is
you need to save more yeah so 1007 is
you need to save more yeah so 1007 is what I had for guest does that sound
what I had for guest does that sound
what I had for guest does that sound right about like each month about yes
right about like each month about yes
right about like each month about yes mhm anything else you need to survive
mhm anything else you need to survive
mhm anything else you need to survive health insurance through the
health insurance through the
health insurance through the family okay uh anything else any ongoing
family okay uh anything else any ongoing
family okay uh anything else any ongoing medical expenses that you have to do for
medical expenses that you have to do for
medical expenses that you have to do for you're canceling all subscriptions they
you're canceling all subscriptions they
you're canceling all subscriptions they do not matter mhm anything else I go to
do not matter mhm anything else I go to
do not matter mhm anything else I go to therapy sure what's your co-pay uh $35
therapy sure what's your co-pay uh $35
therapy sure what's your co-pay uh $35 and you pay it mhm a week or month uh I
and you pay it mhm a week or month uh I
and you pay it mhm a week or month uh I go maybe I don't go as much as I should
go maybe I don't go as much as I should
go maybe I don't go as much as I should but how do you go um maybe twice a month
but how do you go um maybe twice a month
but how do you go um maybe twice a month okay so 70 bucks mhm and I totally
okay so 70 bucks mhm and I totally
okay so 70 bucks mhm and I totally support it feel free to double it if you
support it feel free to double it if you
support it feel free to double it if you want to always worth fitting in the
want to always worth fitting in the
want to always worth fitting in the budget same with like a gym or something
budget same with like a gym or something
budget same with like a gym or something but we did not have that I would if I
but we did not have that I would if I
but we did not have that I would if I could Walmart was 51 bucks but based on
could Walmart was 51 bucks but based on
could Walmart was 51 bucks but based on what you said it was probably all bull
what you said it was probably all bull
what you said it was probably all bull you don't grocery shop mhm so great
you don't grocery shop mhm so great
you don't grocery shop mhm so great that's another 2% of your spending that
that's another 2% of your spending that
that's another 2% of your spending that could have went towards that didn't
could have went towards that didn't
could have went towards that didn't could have went towards an emergency
could have went towards an emergency
could have went towards an emergency fund didn't could have went towards your
fund didn't could have went towards your
fund didn't could have went towards your retirement didn't I've started a savings
retirement didn't I've started a savings
retirement didn't I've started a savings but then something started a savings
but then something started a savings
but then something started a savings something radical would happen in my
something radical would happen in my
something radical would happen in my life of savings is for so what are you
life of savings is for so what are you
life of savings is for so what are you going to do if you don't start a savings
going to do if you don't start a savings
going to do if you don't start a savings and the next radical thing happens it
and the next radical thing happens it
and the next radical thing happens it just got to sit in a corner and cry at
just got to sit in a corner and cry at
just got to sit in a corner and cry at that point or just no you fall on your
that point or just no you fall on your
that point or just no you fall on your support system I don't fall on the
support system I don't fall on the
support system I don't fall on the support system I let them know that it
support system I let them know that it
support system I let them know that it happened whether they I'm not going to
happened whether they I'm not going to
happened whether they I'm not going to sit here and say I go spare change I
sit here and say I go spare change I
sit here and say I go spare change I don't I don't I don't spare change
don't I don't I don't spare change
don't I don't I don't spare change anybody but I tell them it happened I
anybody but I tell them it happened I
anybody but I tell them it happened I know but you'll never need an emergency
know but you'll never need an emergency
know but you'll never need an emergency Fone ever in your life if that just
Fone ever in your life if that just
Fone ever in your life if that just continues to happen yeah they they do
continues to happen yeah they they do
continues to happen yeah they they do help me out a lot they I I do tend to
help me out a lot they I I do tend to
help me out a lot they I I do tend to fall back on them and it's I feel bad
fall back on them and it's I feel bad
fall back on them and it's I feel bad for it but at the same time something I
for it but at the same time something I
for it but at the same time something I do I try I don't try I'm trying to
do I try I don't try I'm trying to
do I try I don't try I'm trying to figure out what that I what I can do to
figure out what that I what I can do to
figure out what that I what I can do to not have to fall back on them because
not have to fall back on them because
not have to fall back on them because before I was asking for gas like every
before I was asking for gas like every
before I was asking for gas like every day every hour every week but it's been
day every hour every week but it's been
day every hour every week but it's been a while since I've asked for gas money
a while since I've asked for gas money
a while since I've asked for gas money so I feel proud kind of that I'm not I'm
so I feel proud kind of that I'm not I'm
so I feel proud kind of that I'm not I'm not asking for money here and there
not asking for money here and there
not asking for money here and there anymore um but I haven't had a time of
anymore um but I haven't had a time of
anymore um but I haven't had a time of Crisis yet so I haven't had you know
Crisis yet so I haven't had you know
Crisis yet so I haven't had you know needed anything for my from my parents
needed anything for my from my parents
needed anything for my from my parents just yet to unwillingly by the way cuz
just yet to unwillingly by the way cuz
just yet to unwillingly by the way cuz sometimes they'll just send me money
sometimes they'll just send me money
sometimes they'll just send me money here and there there just because out of
here and there there just because out of
here and there there just because out of common courtesy of their hearts cuz they
common courtesy of their hearts cuz they
common courtesy of their hearts cuz they know that again I'm not against the
know that again I'm not against the
know that again I'm not against the concept and the Heart of it it's just
concept and the Heart of it it's just
concept and the Heart of it it's just it's just you learning and actually
it's just you learning and actually
it's just you learning and actually being an independent right which you are
being an independent right which you are
being an independent right which you are very much not I'm trying to be there's
very much not I'm trying to be there's
very much not I'm trying to be there's Stepping Stones to these things I
Stepping Stones to these things I
Stepping Stones to these things I certainly did not see any Stones stepped
certainly did not see any Stones stepped
certainly did not see any Stones stepped on yeah some some cracked and some flew
on yeah some some cracked and some flew
on yeah some some cracked and some flew away so you know uh that's why I'm in
away so you know uh that's why I'm in
away so you know uh that's why I'm in school it's a learning process I'm also
school it's a learning process I'm also
school it's a learning process I'm also looking into find financing more tattoos
looking into find financing more tattoos
looking into find financing more tattoos in the future so
in the future so
in the future so why because I'm independent now but
why because I'm independent now but
why because I'm independent now but financing yeah so debt my my not is that
financing yeah so debt my my not is that
financing yeah so debt my my not is that debt well financing would be debt so my
debt well financing would be debt so my
debt well financing would be debt so my tattoo company they offer like a f if
tattoo company they offer like a f if
tattoo company they offer like a f if you want to get like a tattoo that's
you want to get like a tattoo that's
you want to get like a tattoo that's like $1,000 or more and you can't pay it
like $1,000 or more and you can't pay it
like $1,000 or more and you can't pay it right there oh no um they can pass like
right there oh no um they can pass like
right there oh no um they can pass like a credit check on you to see if you can
a credit check on you to see if you can
a credit check on you to see if you can see if you can Finance
see if you can Finance
see if you can Finance yeah yeah yeah yeah so
yeah yeah yeah yeah so
yeah yeah yeah yeah so um uh I didn't get approved for that
um uh I didn't get approved for that
um uh I didn't get approved for that because I don't have enough credit yeah
because I don't have enough credit yeah
because I don't have enough credit yeah you don't have anything this is this is
you don't have anything this is this is
you don't have anything this is this is this is what I was talking about with
this is what I was talking about with
this is what I was talking about with the enablement thing and this is where
the enablement thing and this is where
the enablement thing and this is where I'm like I don't think you've learned
I'm like I don't think you've learned
I'm like I don't think you've learned your lesson so I think we bring your mom
your lesson so I think we bring your mom
your lesson so I think we bring your mom into this conversation she does not want
into this conversation she does not want
into this conversation she does not want to be on camera uh but we will bring you
to be on camera uh but we will bring you
to be on camera uh but we will bring you nameless uh just Audio Only so I mean
nameless uh just Audio Only so I mean
nameless uh just Audio Only so I mean okay you were sitting on in the um guest
okay you were sitting on in the um guest
okay you were sitting on in the um guest area Lobby during this conversation
area Lobby during this conversation
area Lobby during this conversation my big fear and what I kind of want to
my big fear and what I kind of want to
my big fear and what I kind of want to just con not necessarily confront you on
just con not necessarily confront you on
just con not necessarily confront you on but ask questions is this credit card
but ask questions is this credit card
but ask questions is this credit card debt she obviously built up a big
debt she obviously built up a big
debt she obviously built up a big balance on the credit card debt um and
balance on the credit card debt um and
balance on the credit card debt um and she was moving out and what she was
she was moving out and what she was
she was moving out and what she was telling me the whole time is that she's
telling me the whole time is that she's
telling me the whole time is that she's essentially independent and taking care
essentially independent and taking care
essentially independent and taking care of her bills but she's not you guys are
of her bills but she's not you guys are
of her bills but she's not you guys are paying for the credit card debt now my
paying for the credit card debt now my
paying for the credit card debt now my big concern is especially with what she
big concern is especially with what she
big concern is especially with what she just said going and just blowing all the
just said going and just blowing all the
just said going and just blowing all the money and financing on some tattoos is
money and financing on some tattoos is
money and financing on some tattoos is what you're doing in pain on this card
what you're doing in pain on this card
what you're doing in pain on this card is that really helping her I don't know
is that really helping her I don't know
is that really helping her I don't know if she's learned her less but I'm
if she's learned her less but I'm
if she's learned her less but I'm telling you I have the let her respond
telling you I have the let her respond
telling you I have the let her respond no it's not teaching her how to be
no it's not teaching her how to be
no it's not teaching her how to be responsible and how to budget her money
responsible and how to budget her money
responsible and how to budget her money better
better
better and how
and how
and how to ask herself do I need this or do I
to ask herself do I need this or do I
to ask herself do I need this or do I want
want
want this and to do to do with what you have
this and to do to do with what you have
this and to do to do with what you have mhm why are you guys paying for it then
mhm why are you guys paying for it then
mhm why are you guys paying for it then cuz it's I think it's like harming her
cuz it's I think it's like harming her
cuz it's I think it's like harming her actual future not that I again not that
actual future not that I again not that
actual future not that I again not that I want her to have to pay off debt right
I want her to have to pay off debt right
I want her to have to pay off debt right but clearly from what you were just
but clearly from what you were just
but clearly from what you were just talking about I don't think it's uping
talking about I don't think it's uping
talking about I don't think it's uping her so why why are we doing it uh cuz
her so why why are we doing it uh cuz
her so why why are we doing it uh cuz you love
you love
you love me she was doing well with the credit
me she was doing well with the credit
me she was doing well with the credit card she would you know put a gas in her
card she would you know put a gas in her
card she would you know put a gas in her car and she would charge it and she'd
car and she would charge it and she'd
car and she would charge it and she'd pay it off and it went really well she
pay it off and it went really well she
pay it off and it went really well she would would get the credit card up to
would would get the credit card up to
would would get the credit card up to you know $2 $300 she'd pay it off and
you know $2 $300 she'd pay it off and
you know $2 $300 she'd pay it off and we're like wow you're doing great with
we're like wow you're doing great with
we're like wow you're doing great with it and then I kind of like put it in the
it and then I kind of like put it in the
it and then I kind of like put it in the back of my mind and then a few months
back of my mind and then a few months
back of my mind and then a few months later I asked her oh how's the credit
later I asked her oh how's the credit
later I asked her oh how's the credit card doing and she's like oh it's about
$4,000 and so my husband said no more so
$4,000 and so my husband said no more so he took it he took it and we knew that
he took it he took it and we knew that
he took it he took it and we knew that she couldn't pay it on her own since she
she couldn't pay it on her own since she
she couldn't pay it on her own since she had just moved out but why not like
had just moved out but why not like
had just moved out but why not like match it with behavioral changes then
match it with behavioral changes then
match it with behavioral changes then cuz she's still going out and blowing a
cuz she's still going out and blowing a
cuz she's still going out and blowing a solid 33 maybe close to 40% overall I'd
solid 33 maybe close to 40% overall I'd
solid 33 maybe close to 40% overall I'd say closer to like 30% actually of her
say closer to like 30% actually of her
say closer to like 30% actually of her money on things that she doesn't need
money on things that she doesn't need
money on things that she doesn't need she not only does not need does not
she not only does not need does not
she not only does not need does not benefit her at all in any way it's not
benefit her at all in any way it's not
benefit her at all in any way it's not getting her towards anything she doesn't
getting her towards anything she doesn't
getting her towards anything she doesn't have an emergency fund she's not paying
have an emergency fund she's not paying
have an emergency fund she's not paying on the CR card so why didn't we balance
on the CR card so why didn't we balance
on the CR card so why didn't we balance that with like okay I'm okay with you
that with like okay I'm okay with you
that with like okay I'm okay with you guys putting money towards it but why
guys putting money towards it but why
guys putting money towards it but why not make it where she has to change
not make it where she has to change
not make it where she has to change behavior in order to do it because again
behavior in order to do it because again
behavior in order to do it because again I don't think we've changed anything
I don't think we've changed anything
I don't think we've changed anything here no but no you know that's I think
here no but no you know that's I think
here no but no you know that's I think it's a bad thing on the parental part of
it's a bad thing on the parental part of
it's a bad thing on the parental part of it what there's a balance left of
it what there's a balance left of
it what there's a balance left of 1,418 yeah would you be open I hate this
1,418 yeah would you be open I hate this
1,418 yeah would you be open I hate this it sucks would you be open with just I I
it sucks would you be open with just I I
it sucks would you be open with just I I think she has to pay off the remaining
think she has to pay off the remaining
think she has to pay off the remaining don't don't don't don't I think you have
don't don't don't don't I think you have
don't don't don't don't I think you have to I think you need to learn dude that's
to I think you need to learn dude that's
to I think you need to learn dude that's going to you know what that's going to
going to you know what that's going to
going to you know what that's going to turn into you saying that is going to is
turn into you saying that is going to is
turn into you saying that is going to is going to make my the budget that I have
going to make my the budget that I have
going to make my the budget that I have in my girl brain go down and then it's
in my girl brain go down and then it's
in my girl brain go down and then it's your debt I'm going to it is your debt
your debt I'm going to it is your debt
your debt I'm going to it is your debt but then I'm going to have that's
but then I'm going to have that's
but then I'm going to have that's another thing that I'm going to owe and
another thing that I'm going to owe and
another thing that I'm going to owe and then if you're saying that I owe if that
then if you're saying that I owe if that
then if you're saying that I owe if that like tell you how the math Works my
like tell you how the math Works my
like tell you how the math Works my budget with the money that comes in and
budget with the money that comes in and
budget with the money that comes in and the money that's left you have an extra
the money that's left you have an extra
the money that's left you have an extra 576 the minimum mon you pay p on this is
576 the minimum mon you pay p on this is
576 the minimum mon you pay p on this is $43 you can easily fit that in your
$43 you can easily fit that in your
$43 you can easily fit that in your budget so on a minimum monthly basis and
budget so on a minimum monthly basis and
budget so on a minimum monthly basis and then what you're learning for the first
then what you're learning for the first
then what you're learning for the first time in your life is how to sacrifice
time in your life is how to sacrifice
time in your life is how to sacrifice your finances being an adult financially
your finances being an adult financially
your finances being an adult financially in the extra $350 or so will go towards
in the extra $350 or so will go towards
in the extra $350 or so will go towards paying this off and you'll pay this off
paying this off and you'll pay this off
paying this off and you'll pay this off within like six months or so a little
within like six months or so a little
within like six months or so a little more than that closer to a year where's
more than that closer to a year where's
more than that closer to a year where's the money for me though no where's no
the money for me though no where's no
the money for me though no where's no that's a genuine question where's the
that's a genuine question where's the
that's a genuine question where's the money for me though no no nope cuz
money for me though no no nope cuz
money for me though no no nope cuz you're you're an adult I am yeah no no
you're you're an adult I am yeah no no
you're you're an adult I am yeah no no no you're in this situation you will be
no you're in this situation you will be
no you're in this situation you will be an adult and you're actually taking care
an adult and you're actually taking care
an adult and you're actually taking care of yourself you're learning sacrifice
of yourself you're learning sacrifice
of yourself you're learning sacrifice for the first time you're learning
for the first time you're learning
for the first time you're learning Independence because you actually want
Independence because you actually want
Independence because you actually want to be independent like you said you're
to be independent like you said you're
to be independent like you said you're actually taking responsibility for the
actually taking responsibility for the
actually taking responsibility for the first time in your life and that's trust
first time in your life and that's trust
first time in your life and that's trust me that is taking care of yourself more
me that is taking care of yourself more
me that is taking care of yourself more than any bull extra things that you're
than any bull extra things that you're
than any bull extra things that you're spending on McDonald's and Starbucks
spending on McDonald's and Starbucks
spending on McDonald's and Starbucks you're actually taking care of yourself
you're actually taking care of yourself
you're actually taking care of yourself and learning valuable lessons for the
and learning valuable lessons for the
and learning valuable lessons for the first time in your life which set you up
first time in your life which set you up
first time in your life which set you up for success in the remaining 60 Decades
for success in the remaining 60 Decades
for success in the remaining 60 Decades of your life hopefully more than that
of your life hopefully more than that
of your life hopefully more than that let's live a long healthy life but
let's live a long healthy life but
let's live a long healthy life but remaining it's not 60 six decades seven
remaining it's not 60 six decades seven
remaining it's not 60 six decades seven decades let's go eight Decades of your
decades let's go eight Decades of your
decades let's go eight Decades of your life but that's what that setting youf
life but that's what that setting youf
life but that's what that setting youf for money for myself money for myself
for money for myself money for myself
for money for myself money for myself those words there is just stems from
those words there is just stems from
those words there is just stems from complete immaturity and lack of
complete immaturity and lack of
complete immaturity and lack of sacrifice but there's always room for
sacrifice but there's always room for
sacrifice but there's always room for not impr there's always room for like
not impr there's always room for like
not impr there's always room for like cuz the money this the what's the word
cuz the money this the what's the word
cuz the money this the what's the word the miscellaneous money that I have left
the miscellaneous money that I have left
the miscellaneous money that I have left that either goes to food tattoos Vapes
that either goes to food tattoos Vapes
that either goes to food tattoos Vapes or my own self either Vapes yeah what
or my own self either Vapes yeah what
or my own self either Vapes yeah what you know I Vape don't even start oh god
you know I Vape don't even start oh god
you know I Vape don't even start oh god well that's well first of all that's
well that's well first of all that's
well that's well first of all that's double bad that's financially bad and
double bad that's financially bad and
double bad that's financially bad and that's terrible for your house yeah
that's terrible for your house yeah
that's terrible for your house yeah we've been through the the years of
we've been through the the years of
we've been through the the years of smashing them as my dad finds them and
smashing them as my dad finds them and
smashing them as my dad finds them and then they just gave up and I still use
then they just gave up and I still use
then they just gave up and I still use them well smashing is probably not going
them well smashing is probably not going
them well smashing is probably not going to be what's actually effective to quit
to be what's actually effective to quit
to be what's actually effective to quit but no uh I wouldn't also just continue
but no uh I wouldn't also just continue
but no uh I wouldn't also just continue and just allow that to be your Future No
and just allow that to be your Future No
and just allow that to be your Future No Matter What like I would try to see very
Matter What like I would try to see very
Matter What like I would try to see very hard process to stop but no of course of
hard process to stop but no of course of
hard process to stop but no of course of course I I I am not dismissing that by
course I I I am not dismissing that by
course I I I am not dismissing that by any means but I don't think we put that
any means but I don't think we put that
any means but I don't think we put that in the budget you can't afford it in
in the budget you can't afford it in
in the budget you can't afford it in your healthwise cannot afford it
your healthwise cannot afford it
your healthwise cannot afford it remember when I said 6 s eight decades
remember when I said 6 s eight decades
remember when I said 6 s eight decades yeah we're not going to get there if
yeah we're not going to get there if
yeah we're not going to get there if we're putting things in our lungs I mean
we're putting things in our lungs I mean
we're putting things in our lungs I mean with that if I have the money like10 $20
with that if I have the money like10 $20
with that if I have the money like10 $20 you don't but I do no no not not no no
you don't but I do no no not not no no
you don't but I do no no not not no no no not if you want to pay off your
no not if you want to pay off your
no not if you want to pay off your credit card and win uh they stop putting
credit card and win uh they stop putting
credit card and win uh they stop putting money to your credit card but you're
money to your credit card but you're
money to your credit card but you're scaring me now this conversation's gone
scaring me now this conversation's gone
scaring me now this conversation's gone to a place where I'm scared for you when
to a place where I'm scared for you when
to a place where I'm scared for you when I go home today I feel immaturely I know
I go home today I feel immaturely I know
I go home today I feel immaturely I know being being honest immaturely I'm going
being being honest immaturely I'm going
being being honest immaturely I'm going to want to take what I have for rent
to want to take what I have for rent
to want to take what I have for rent right now out and go get food and then
right now out and go get food and then
right now out and go get food and then say to myself I'm going to go donate
say to myself I'm going to go donate
say to myself I'm going to go donate plasma they're going to give me $100 and
plasma they're going to give me $100 and
plasma they're going to give me $100 and I have that back okay so instead of
I have that back okay so instead of
I have that back okay so instead of saying that to yourself we say we're an
saying that to yourself we say we're an
saying that to yourself we say we're an adult and uh that's obviously wrong oh I
adult and uh that's obviously wrong oh I
adult and uh that's obviously wrong oh I just said it well I just said it for you
just said it well I just said it for you
just said it well I just said it for you will you will you listen are you open to
will you will you listen are you open to
will you will you listen are you open to listening to people I am very open to
listening to people I am very open to
listening to people I am very open to listening to people
listening to people
listening to people Yeah but whether or not I take the
Yeah but whether or not I take the
Yeah but whether or not I take the advice when I come home why because you
advice when I come home why because you
advice when I come home why because you know it's a choice though it is you're
know it's a choice though it is you're
know it's a choice though it is you're literally choosing it so why do why
literally choosing it so why do why
literally choosing it so why do why won't you choose for a better
won't you choose for a better
won't you choose for a better future I feel like just like the credit
future I feel like just like the credit
future I feel like just like the credit card I feel like I've got to get hit in
card I feel like I've got to get hit in
card I feel like I've got to get hit in the face mentally she needs to get hit
the face mentally she needs to get hit
the face mentally she needs to get hit in the face mentally so what I almost
in the face mentally so what I almost
in the face mentally so what I almost beg of you and I again hate that you
beg of you and I again hate that you
beg of you and I again hate that you have to do it please don't put another
have to do it please don't put another
have to do it please don't put another dollar towards a credit card I think she
dollar towards a credit card I think she
dollar towards a credit card I think she needs to learn for the first time in her
needs to learn for the first time in her
needs to learn for the first time in her life how to be responsible yep or else I
life how to be responsible yep or else I
life how to be responsible yep or else I think when you guys pay off this credit
think when you guys pay off this credit
think when you guys pay off this credit card I think in the future she's going
card I think in the future she's going
card I think in the future she's going to build the balance all the way back up
to build the balance all the way back up
to build the balance all the way back up again and then that's totally on her yep
again and then that's totally on her yep
again and then that's totally on her yep but I think if she doesn't have to take
but I think if she doesn't have to take
but I think if she doesn't have to take care of this remaining 1,500 I think she
care of this remaining 1,500 I think she
care of this remaining 1,500 I think she will do that but I think if she has to
will do that but I think if she has to
will do that but I think if she has to take care of this remaining th500 by
take care of this remaining th500 by
take care of this remaining th500 by sacrificing I think that'll prevent her
sacrificing I think that'll prevent her
sacrificing I think that'll prevent her from just building up a credit card
from just building up a credit card
from just building up a credit card balance again now to be very clear when
balance again now to be very clear when
balance again now to be very clear when I was your age I was doing much worse
I was your age I was doing much worse
I was your age I was doing much worse and then I but I actually learned I
and then I but I actually learned I
and then I but I actually learned I started to have this conversation the
started to have this conversation the
started to have this conversation the conversations that I give or the ones
conversations that I give or the ones
conversations that I give or the ones that I needed in a very forward direct
that I needed in a very forward direct
that I needed in a very forward direct way you know people started to tell me
way you know people started to tell me
way you know people started to tell me this is bad and I started to learn more
this is bad and I started to learn more
this is bad and I started to learn more about personal finances and I sacrificed
about personal finances and I sacrificed
about personal finances and I sacrificed everything to get out of the much worse
everything to get out of the much worse
everything to get out of the much worse debt but that's what you need to go
debt but that's what you need to go
debt but that's what you need to go through and I promise I would love you
through and I promise I would love you
through and I promise I would love you to be in a better place than I am at 29
to be in a better place than I am at 29
to be in a better place than I am at 29 now almost 29 now and you can do that
now almost 29 now and you can do that
now almost 29 now and you can do that because you'll have more time on your
because you'll have more time on your
because you'll have more time on your side by starting early so just do that
side by starting early so just do that
side by starting early so just do that now it's so worth it it's the people
now it's so worth it it's the people
now it's so worth it it's the people that I surround myself with that okay
that I surround myself with that okay
that I surround myself with that okay well now we're just making excuses I'm
well now we're just making excuses I'm
well now we're just making excuses I'm not making excuses it's genuinely a
not making excuses it's genuinely a
not making excuses it's genuinely a problem it's the people that I people
problem it's the people that I people
problem it's the people that I people around her yes I'm getting a big yeah
around her yes I'm getting a big yeah
around her yes I'm getting a big yeah yep so why do we surround ourselves with
yep so why do we surround ourselves with
yep so why do we surround ourselves with people we actively know or about because
people we actively know or about because
people we actively know or about because we struggle to make friends so that's
we struggle to make friends so that's
we struggle to make friends so that's hard that's a very hard part especially
hard that's a very hard part especially
hard that's a very hard part especially of adulthood I'm in my 20s and I do not
of adulthood I'm in my 20s and I do not
of adulthood I'm in my 20s and I do not I do not have friends um I have friends
I do not have friends um I have friends
I do not have friends um I have friends who I've known since high school but
who I've known since high school but
who I've known since high school but they're bad influence very bad influence
they're bad influence very bad influence
they're bad influence very bad influence yes okay I'm sorry and again this sucks
yes okay I'm sorry and again this sucks
yes okay I'm sorry and again this sucks this is not AI want to do type thing but
this is not AI want to do type thing but
this is not AI want to do type thing but it's like if there're a negative impact
it's like if there're a negative impact
it's like if there're a negative impact on your life even if that means we're a
on your life even if that means we're a
on your life even if that means we're a little more lonely for a bit I know it's
little more lonely for a bit I know it's
little more lonely for a bit I know it's another Interruption but you can get
another Interruption but you can get
another Interruption but you can get $55,000 by listening to the end of this
$55,000 by listening to the end of this
$55,000 by listening to the end of this right now if you transfer your portfolio
right now if you transfer your portfolio
right now if you transfer your portfolio to Mumu which I personally use for my
to Mumu which I personally use for my
to Mumu which I personally use for my individual stock picks you can get up to
individual stock picks you can get up to
individual stock picks you can get up to $5,000 it's literally free money and an
$5,000 it's literally free money and an
$5,000 it's literally free money and an amazing investment platform and it's
amazing investment platform and it's
amazing investment platform and it's what I personally use so check it out in
what I personally use so check it out in
what I personally use so check it out in the description below I highly recommend
the description below I highly recommend
the description below I highly recommend it I know that sucks so much I hate that
it I know that sucks so much I hate that
it I know that sucks so much I hate that you have no idea how much I hate that I
you have no idea how much I hate that I
you have no idea how much I hate that I do not want to say that but if someone
do not want to say that but if someone
do not want to say that but if someone is negatively impacting your life we
is negatively impacting your life we
is negatively impacting your life we have to cut TI I I need someone to their
have to cut TI I I need someone to their
have to cut TI I I need someone to their for smack me in the face so that I can
for smack me in the face so that I can
for smack me in the face so that I can understand that I'm slowly understanding
understand that I'm slowly understanding
understand that I'm slowly understanding that but with El slap you in the face
that but with El slap you in the face
that but with El slap you in the face please don't um um with working at the
please don't um um with working at the
please don't um um with working at the hotel that I work
hotel that I work
hotel that I work at the money is totally worth it because
at the money is totally worth it because
at the money is totally worth it because I deal with nothing but crackheads
I deal with nothing but crackheads
I deal with nothing but crackheads prostitutes and people that are there to
prostitutes and people that are there to
prostitutes and people that are there to just pass by so it's a super rate it's a
just pass by so it's a super rate it's a
just pass by so it's a super rate it's a very rundown super rate so what what do
very rundown super rate so what what do
very rundown super rate so what what do you what are you trying the fact that I
you what are you trying the fact that I
you what are you trying the fact that I don't know the fact that like that
don't know the fact that like that
don't know the fact that like that doesn't mean you should still hang out
doesn't mean you should still hang out
doesn't mean you should still hang out with people that are going to be bad for
with people that are going to be bad for
with people that are going to be bad for you your future that job gives me
you your future that job gives me
you your future that job gives me thicker skin it's given me so much
thicker skin it's given me so much
thicker skin it's given me so much thicker skin to not give a crap so the
thicker skin to not give a crap so the
thicker skin to not give a crap so the people that I hang around with I'm about
people that I hang around with I'm about
people that I hang around with I'm about your boyfriend is he a part of this
your boyfriend is he a part of this
your boyfriend is he a part of this group the bad influence yeah no okay
group the bad influence yeah no okay
group the bad influence yeah no okay then rely on your boyfriend allow your
then rely on your boyfriend allow your
then rely on your boyfriend allow your boyfriend to be your best friend he
boyfriend to be your best friend he
boyfriend to be your best friend he already is but allow him to be your best
already is but allow him to be your best
already is but allow him to be your best friend and just you I if they're a bad
friend and just you I if they're a bad
friend and just you I if they're a bad group of people man I think so I I would
group of people man I think so I I would
group of people man I think so I I would never want to push blame on other people
never want to push blame on other people
never want to push blame on other people but I will just go back to my past and
but I will just go back to my past and
but I will just go back to my past and I've talked about it many times on the
I've talked about it many times on the
I've talked about it many times on the show like big piece of many many errors
show like big piece of many many errors
show like big piece of many many errors and things I've done wrong and it took
and things I've done wrong and it took
and things I've done wrong and it took me a lot of mental health help and
me a lot of mental health help and
me a lot of mental health help and self-discovery and hard conversations to
self-discovery and hard conversations to
self-discovery and hard conversations to improve my life and a lot of the initial
improve my life and a lot of the initial
improve my life and a lot of the initial things it's no one else's fault but I
things it's no one else's fault but I
things it's no one else's fault but I was in a bad group when I was younger
was in a bad group when I was younger
was in a bad group when I was younger and eventually finding new friends that
and eventually finding new friends that
and eventually finding new friends that are great people was a massive thing for
are great people was a massive thing for
are great people was a massive thing for me in my development in life you're not
me in my development in life you're not
me in my development in life you're not going to get anywhere in that part of
going to get anywhere in that part of
going to get anywhere in that part of life if we just sit with the old group
life if we just sit with the old group
life if we just sit with the old group I'm a people pleaser I've had people
I'm a people pleaser I've had people
I'm a people pleaser I've had people tell me just to shut the and set the
tell me just to shut the and set the
tell me just to shut the and set the down and not worry about past present
down and not worry about past present
down and not worry about past present and future and just well stop stop you
and future and just well stop stop you
and future and just well stop stop you go to therapy twice a month talk to your
go to therapy twice a month talk to your
go to therapy twice a month talk to your therapist about this and work on
therapist about this and work on
therapist about this and work on different mechanisms around that you're
different mechanisms around that you're
different mechanisms around that you're going to be paying the co-pay don't go
going to be paying the co-pay don't go
going to be paying the co-pay don't go in there and just say what you want the
in there and just say what you want the
in there and just say what you want the therapist to hear which is what a lot of
therapist to hear which is what a lot of
therapist to hear which is what a lot of people do especially on this show I'm
people do especially on this show I'm
people do especially on this show I'm going be off of TR care in what
going be off of TR care in what
going be off of TR care in what 2026 so I'm going have to find an
2026 so I'm going have to find an
2026 so I'm going have to find an insurance company first either when you
insurance company first either when you
insurance company first either when you graduate college or when you turn 26
graduate college or when you turn 26
graduate college or when you turn 26 yeah damn
yeah damn
yeah damn so but you will we we'll have like a you
so but you will we we'll have like a you
so but you will we we'll have like a you know a good career position is what
know a good career position is what
know a good career position is what we're going to aim for by then that's
we're going to aim for by then that's
we're going to aim for by then that's where that 26 age comes from is giving
where that 26 age comes from is giving
where that 26 age comes from is giving you that chance in between college and
you that chance in between college and
you that chance in between college and then to hopefully start Landing into a
then to hopefully start Landing into a
then to hopefully start Landing into a good career position that comes with
good career position that comes with
good career position that comes with Benefits yeah then I want you to do
Benefits yeah then I want you to do
Benefits yeah then I want you to do there and a lot of that requires also
there and a lot of that requires also
there and a lot of that requires also you just figuring College out as well
you just figuring College out as well
you just figuring College out as well which is a whole other part of this
which is a whole other part of this
which is a whole other part of this conversation so thank you Mom for making
conversation so thank you Mom for making
conversation so thank you Mom for making you pay 1,500 I know that we're going to
you pay 1,500 I know that we're going to
you pay 1,500 I know that we're going to have a talk on the two I drive home
have a talk on the two I drive home
have a talk on the two I drive home please don't give in I know I know it's
please don't give in I know I know it's
please don't give in I know I know it's so hard whatever crying and yelling
so hard whatever crying and yelling
so hard whatever crying and yelling might
might
might happen whatever crying and yelling might
happen whatever crying and yelling might
happen whatever crying and yelling might happen please do not give me because
happen please do not give me because
happen please do not give me because your future you're going to hate it but
your future you're going to hate it but
your future you're going to hate it but your future is so much more important
your future is so much more important
your future is so much more important know so much more she knows I'm going to
know so much more she knows I'm going to
know so much more she knows I'm going to get a tattoo next week so oh no I don't
get a tattoo next week so oh no I don't
get a tattoo next week so oh no I don't you never told me well I do oh no Riley
you never told me well I do oh no Riley
you never told me well I do oh no Riley paydays on the first you care I do care
paydays on the first you care I do care
paydays on the first you care I do care no she doesn't yes I do with the with
no she doesn't yes I do with the with
no she doesn't yes I do with the with the language you're using and your mom
the language you're using and your mom
the language you're using and your mom knows you better than anyone mhm I don't
knows you better than anyone mhm I don't
knows you better than anyone mhm I don't think you care no if I know in my head
think you care no if I know in my head
think you care no if I know in my head that I can pay everything off
that I can pay everything off
that I can pay everything off comfortably when I can the money I have
comfortably when I can the money I have
comfortably when I can the money I have left over the math goes there's no money
left over the math goes there's no money
left over the math goes there's no money left over you have
left over you have
left over you have $1,500 and uh you're going to have an
$1,500 and uh you're going to have an
$1,500 and uh you're going to have an extra $500 on a mon okay wait wait
extra $500 on a mon okay wait wait
extra $500 on a mon okay wait wait $1,489 what you have to pay off on those
$1,489 what you have to pay off on those
$1,489 what you have to pay off on those credit card you have an extra $500 left
credit card you have an extra $500 left
credit card you have an extra $500 left over after the new minimum monthly
over after the new minimum monthly
over after the new minimum monthly payment that you need to start putting
payment that you need to start putting
payment that you need to start putting towards this that's going to take you
towards this that's going to take you
towards this that's going to take you three months three months to pay off a
three months three months to pay off a
three months three months to pay off a card but you won't have extra money for
card but you won't have extra money for
card but you won't have extra money for those three months what's the minimum
those three months what's the minimum
those three months what's the minimum payment of that the minimum payment is
payment of that the minimum payment is
payment of that the minimum payment is $43 so technically you have a little
$43 so technically you have a little
$43 so technically you have a little more money so if I pay $43 and above the
more money so if I pay $43 and above the
more money so if I pay $43 and above the minimum balance in 3 months I'll have it
minimum balance in 3 months I'll have it
minimum balance in 3 months I'll have it double no no no no I'm saying if you pay
double no no no no I'm saying if you pay
double no no no no I'm saying if you pay the remaining $500 you have left over
the remaining $500 you have left over
the remaining $500 you have left over after your needs that's when you pay it
after your needs that's when you pay it
after your needs that's when you pay it off in three months uhuh well I mean I
off in three months uhuh well I mean I
off in three months uhuh well I mean I if I say I'm confident in paying that
if I say I'm confident in paying that
if I say I'm confident in paying that and I still have money left over I'll
and I still have money left over I'll
and I still have money left over I'll put but you won't I put I gave you yes I
put but you won't I put I gave you yes I
put but you won't I put I gave you yes I will all the money that you put towards
will all the money that you put towards
will all the money that you put towards it is all the moneyy you have left over
it is all the moneyy you have left over
it is all the moneyy you have left over but I still make a good I can separate
but I still make a good I can separate
but I still make a good I can separate all of my expenses into the two
all of my expenses into the two
all of my expenses into the two paychecks that I make a month with the
paychecks that I make a month with the
paychecks that I make a month with the $80 you not understand I made your
$80 you not understand I made your
$80 you not understand I made your budget with every dollar that has come
budget with every dollar that has come
budget with every dollar that has come in yeah after every mandatory expense
in yeah after every mandatory expense
in yeah after every mandatory expense you have to live you have an extra $576
you have to live you have an extra $576
you have to live you have an extra $576 left I'm just taking that $76 away for
left I'm just taking that $76 away for
left I'm just taking that $76 away for the new minimum monthly payment just a
the new minimum monthly payment just a
the new minimum monthly payment just a little wiggle room and that extra $500
little wiggle room and that extra $500
little wiggle room and that extra $500 which is all you have left unless you go
which is all you have left unless you go
which is all you have left unless you go make more money that's the only part I
make more money that's the only part I
make more money that's the only part I would make more money but if you make
would make more money but if you make
would make more money but if you make more money also put that at the credit
more money also put that at the credit
more money also put that at the credit card so it's almost done y so it goes
card so it's almost done y so it goes
card so it's almost done y so it goes quicker and what you also need this was
quicker and what you also need this was
quicker and what you also need this was another thing that she was talking about
another thing that she was talking about
another thing that she was talking about when it was coming to leaning on you
when it was coming to leaning on you
when it was coming to leaning on you guys she goes and spends the 30% on BS
guys she goes and spends the 30% on BS
guys she goes and spends the 30% on BS that could be going towards eventually
that could be going towards eventually
that could be going towards eventually an emergency fund because she thinks if
an emergency fund because she thinks if
an emergency fund because she thinks if something bad happens she can just lean
something bad happens she can just lean
something bad happens she can just lean on you guys to cover for an emergency
on you guys to cover for an emergency
on you guys to cover for an emergency thing now of course that's a good heart
thing now of course that's a good heart
thing now of course that's a good heart that's a very good heart and I wouldn't
that's a very good heart and I wouldn't
that's a very good heart and I wouldn't want to see you get kicked out on the
want to see you get kicked out on the
want to see you get kicked out on the street or anything like that so I think
street or anything like that so I think
street or anything like that so I think again I'm good with helping in a
again I'm good with helping in a
again I'm good with helping in a situation as long as you see that she is
situation as long as you see that she is
situation as long as you see that she is putting all the money she has left over
putting all the money she has left over
putting all the money she has left over to go towards an emergency fund if the
to go towards an emergency fund if the
to go towards an emergency fund if the behavior is correct then we can help
behavior is correct then we can help
behavior is correct then we can help support but if you're going to just BS
support but if you're going to just BS
support but if you're going to just BS in then you need to learn some tough
in then you need to learn some tough
in then you need to learn some tough life lessons so after the three months
life lessons so after the three months
life lessons so after the three months of all your money going towards the
of all your money going towards the
of all your money going towards the credit card I still need to save up a
credit card I still need to save up a
credit card I still need to save up a fully funded emergency fund which is 6
fully funded emergency fund which is 6
fully funded emergency fund which is 6 months of
1,424 but I mean do you like my my
1,424 but I mean do you like my my dinosaur tattoo I'm sure it's fantastic
dinosaur tattoo I'm sure it's fantastic
dinosaur tattoo I'm sure it's fantastic it was $100 so $10,000 is what I need
it was $100 so $10,000 is what I need
it was $100 so $10,000 is what I need you to have saved up $10,000 yes because
you to have saved up $10,000 yes because
you to have saved up $10,000 yes because I it's either a six-month emergency
I it's either a six-month emergency
I it's either a six-month emergency phone or $10,000 which every one is
phone or $10,000 which every one is
phone or $10,000 which every one is bigger and the reason why I do that is
bigger and the reason why I do that is
bigger and the reason why I do that is because dude you've never had anything
because dude you've never had anything
because dude you've never had anything crazy medical happened to you as far as
crazy medical happened to you as far as
crazy medical happened to you as far as I know never had a major car thing
I know never had a major car thing
I know never had a major car thing happen to you that you've had to pay for
happen to you that you've had to pay for
happen to you that you've had to pay for as far as I know $10,000 is the bare
as far as I know $10,000 is the bare
as far as I know $10,000 is the bare minimum that you're going to need in
minimum that you're going to need in
minimum that you're going to need in this life that you live at 20 years old
this life that you live at 20 years old
this life that you live at 20 years old yes you expect me to have $10,000 saved
yes you expect me to have $10,000 saved
yes you expect me to have $10,000 saved up
up
up not expect I'm getting you there I'm
not expect I'm getting you there I'm
not expect I'm getting you there I'm getting you there I'm not
getting you there I'm not
getting you there I'm not saying you should really everyone should
saying you should really everyone should
saying you should really everyone should start at 18 it's so much easier said
start at 18 it's so much easier said
start at 18 it's so much easier said than done but this is where I want to
than done but this is where I want to
than done but this is where I want to get you too out of just you just being
get you too out of just you just being
get you too out of just you just being healthy and safe financially for the
healthy and safe financially for the
healthy and safe financially for the rest of your life yeah I can live off of
rest of your life yeah I can live off of
rest of your life yeah I can live off of PB and JS and R you find a better job
PB and JS and R you find a better job
PB and JS and R you find a better job I'm okay with the job that I'm currently
I'm okay with the job that I'm currently
I'm okay with the job that I'm currently a better job will get you there a lot
a better job will get you there a lot
a better job will get you there a lot quicker cuz this will still take an
quicker cuz this will still take an
quicker cuz this will still take an additional 20 months at that point which
additional 20 months at that point which
additional 20 months at that point which is almost two years it's like a year and
is almost two years it's like a year and
is almost two years it's like a year and a half but buying these is like two
a half but buying these is like two
a half but buying these is like two years to get rid of the one little
years to get rid of the one little
years to get rid of the one little credit card and get a six-month
credit card and get a six-month
credit card and get a six-month emergency fund I also have a cat that I
emergency fund I also have a cat that I
emergency fund I also have a cat that I have to take care of as well at home so
have to take care of as well at home so
have to take care of as well at home so well okay don't know why you have the
well okay don't know why you have the
well okay don't know why you have the cat the extra $76 that was there we can
cat the extra $76 that was there we can
cat the extra $76 that was there we can put that towards the cat outside of the
put that towards the cat outside of the
put that towards the cat outside of the $40 minute monthy payment
$40 minute monthy payment
$40 minute monthy payment so this is a two-year process if you
so this is a two-year process if you
so this is a two-year process if you don't change jobs if you sacrifice
don't change jobs if you sacrifice
don't change jobs if you sacrifice completely and that scares me because
completely and that scares me because
completely and that scares me because from everything you've said lack of
from everything you've said lack of
from everything you've said lack of maturity lack of responsibility I don't
maturity lack of responsibility I don't
maturity lack of responsibility I don't think you're going to be able to
think you're going to be able to
think you're going to be able to maintain that for 2 years M and I think
maintain that for 2 years M and I think
maintain that for 2 years M and I think you're going to beg no for Mom and Dad
you're going to beg no for Mom and Dad
you're going to beg no for Mom and Dad to pick up the yes they they know that
to pick up the yes they they know that
to pick up the yes they they know that at some point any some way shape or form
at some point any some way shape or form
at some point any some way shape or form that I'd be able to repay them back at
that I'd be able to repay them back at
that I'd be able to repay them back at some point whenever I am stable enough
some point whenever I am stable enough
some point whenever I am stable enough and mure mature enough we're not going
and mure mature enough we're not going
and mure mature enough we're not going to live forever well you know by the
to live forever well you know by the
to live forever well you know by the time you're 80 we're hoping for a very
time you're 80 we're hoping for a very
time you're 80 we're hoping for a very long time by the time you're 80 I'll
long time by the time you're 80 I'll
long time by the time you're 80 I'll come to you with like a grand and you'll
come to you with like a grand and you'll
come to you with like a grand and you'll be good right add that to your 401k mom
be good right add that to your 401k mom
be good right add that to your 401k mom l you said why do you roll your eyes
l you said why do you roll your eyes
l you said why do you roll your eyes 401K you want a 401k I do want a 401k so
401K you want a 401k I do want a 401k so
401K you want a 401k I do want a 401k so all I'm saying is I mean what you just
all I'm saying is I mean what you just
all I'm saying is I mean what you just said was eventually when I'm mature blah
said was eventually when I'm mature blah
said was eventually when I'm mature blah blah blah enough you're an adult you're
blah blah enough you're an adult you're
blah blah enough you're an adult you're two years into adulthood be mature grow
two years into adulthood be mature grow
two years into adulthood be mature grow up it's done no more being a child yeah
up it's done no more being a child yeah
up it's done no more being a child yeah I I know no you don't cuz you just said
I I know no you don't cuz you just said
I I know no you don't cuz you just said when I'm mature enough I'll pay it back
when I'm mature enough I'll pay it back
when I'm mature enough I'll pay it back so no you don't no you don't don't lie
so no you don't no you don't don't lie
so no you don't no you don't don't lie there is always room for improvement
there is always room for improvement
there is always room for improvement always for everyone but you're already
always for everyone but you're already
always for everyone but you're already using the self-justification of when I
using the self-justification of when I
using the self-justification of when I become mature enough I'll pay it back
become mature enough I'll pay it back
become mature enough I'll pay it back that's unacceptable I've been surviving
that's unacceptable I've been surviving
that's unacceptable I've been surviving for the past 3 months the four months
for the past 3 months the four months
for the past 3 months the four months that I've been in my apartment though
that I've been in my apartment though
that I've been in my apartment though right you have not no you have not
right you have not no you have not
right you have not no you have not remember she's paying the bills and
remember she's paying the bills and
remember she's paying the bills and she's she's in the backdrop if an
she's she's in the backdrop if an
she's she's in the backdrop if an emergency happens if you can't pay rent
emergency happens if you can't pay rent
emergency happens if you can't pay rent you're relying on her to pay for it
you're relying on her to pay for it
you're relying on her to pay for it she's paying for your credit card no you
she's paying for your credit card no you
she's paying for your credit card no you are not surviving how many times do we
are not surviving how many times do we
are not surviving how many times do we need to have this specific
need to have this specific
need to have this specific conversation asking them for money
conversation asking them for money
conversation asking them for money though no did I I never suggested that
though no did I I never suggested that
though no did I I never suggested that but you're allow you're saying you're
but you're allow you're saying you're
but you're allow you're saying you're surviving but you're not they're paying
surviving but you're not they're paying
surviving but you're not they're paying for it I don't think I'm getting through
for it I don't think I'm getting through
for it I don't think I'm getting through in this conversation I am more mature
in this conversation I am more mature
in this conversation I am more mature now than I was when I did the fort
now than I was when I did the fort
now than I was when I did the fort credit and I'm more mat return now than
credit and I'm more mat return now than
credit and I'm more mat return now than I was 3 weeks ago that's how it works
I was 3 weeks ago that's how it works
I was 3 weeks ago that's how it works but don't use it as a preemptive excuse
but don't use it as a preemptive excuse
but don't use it as a preemptive excuse to make ex things are going to happen
to make ex things are going to happen
to make ex things are going to happen but don't preemptively excuse it then
but don't preemptively excuse it then
but don't preemptively excuse it then you're just allowing yourself to justify
you're just allowing yourself to justify
you're just allowing yourself to justify it in the future I will pay off the
it in the future I will pay off the
it in the future I will pay off the credit card and then if some major
credit card and then if some major
credit card and then if some major instance happens that credit card will
instance happens that credit card will
instance happens that credit card will be used for that major instance and then
be used for that major instance and then
be used for that major instance and then it'll all come together it'll be paid
it'll all come together it'll be paid
it'll all come together it'll be paid off and once it's paid off I can come
off and once it's paid off I can come
off and once it's paid off I can come back to you and you can Pat me on the
back to you and you can Pat me on the
back to you and you can Pat me on the shoulder we'll be good to go I hope so
shoulder we'll be good to go I hope so
shoulder we'll be good to go I hope so but I'm sorry from everything you've
but I'm sorry from everything you've
but I'm sorry from everything you've just said in this final like 20 minutes
just said in this final like 20 minutes
just said in this final like 20 minutes or so I don't think this conversation's
or so I don't think this conversation's
or so I don't think this conversation's gotten through to you no I'm I'm really
gotten through to you no I'm I'm really
gotten through to you no I'm I'm really sorry for the conversation you're about
sorry for the conversation you're about
sorry for the conversation you're about to have on the road home uh but really
to have on the road home uh but really
to have on the road home uh but really stick to your guns please cuz it is for
stick to your guns please cuz it is for
stick to your guns please cuz it is for her future and I've seen too many people
her future and I've seen too many people
her future and I've seen too many people who were in her situation at 20 who are
who were in her situation at 20 who are
who were in her situation at 20 who are now 30 who have been on my show that are
now 30 who have been on my show that are
now 30 who have been on my show that are in 20 times worse situations because
in 20 times worse situations because
in 20 times worse situations because they never had someone that was able to
they never had someone that was able to
they never had someone that was able to actually put them in the right place so
actually put them in the right place so
actually put them in the right place so please for her future I promise
please for her future I promise
please for her future I promise if you put anything extra towards the
if you put anything extra towards the
if you put anything extra towards the credit card if you put anything towards
credit card if you put anything towards
credit card if you put anything towards any kind of emergency fund make sure
any kind of emergency fund make sure
any kind of emergency fund make sure it's coinciding with her behavioral
it's coinciding with her behavioral
it's coinciding with her behavioral changes properly budgeting taking our
changes properly budgeting taking our
changes properly budgeting taking our budgeting program you guys can take our
budgeting program you guys can take our
budgeting program you guys can take our budgeting program together you can take
budgeting program together you can take
budgeting program together you can take it with your boyfriend as well it's it's
it with your boyfriend as well it's it's
it with your boyfriend as well it's it's all for you guys we're going to hold her
all for you guys we're going to hold her
all for you guys we're going to hold her feet to the fire please do I don't want
feet to the fire please do I don't want
feet to the fire please do I don't want to burn I think you need to don't burn
to burn I think you need to don't burn
to burn I think you need to don't burn me yep don't burn my bank either when I
me yep don't burn my bank either when I
me yep don't burn my bank either when I was her age oh God and my husband and I
was her age oh God and my husband and I
was her age oh God and my husband and I I worked two jobs my husband worked
I worked two jobs my husband worked
I worked two jobs my husband worked three jobs and we were still struggling
three jobs and we were still struggling
three jobs and we were still struggling yeah still eating cereal for dinner
yeah still eating cereal for dinner
yeah still eating cereal for dinner still and
still and
still and ramen and uh and you nag at me that I'm
ramen and uh and you nag at me that I'm
ramen and uh and you nag at me that I'm doing this no that's how you start out
doing this no that's how you start out
doing this no that's how you start out no they were taking care of their stuff
no they were taking care of their stuff
no they were taking care of their stuff without relying on someone else correct
without relying on someone else correct
without relying on someone else correct we took care of the bills we didn't go
we took care of the bills we didn't go
we took care of the bills we didn't go out to eat we didn't she asked my
out to eat we didn't she asked my
out to eat we didn't she asked my grandmother she asked my grandmother for
grandmother she asked my grandmother for
grandmother she asked my grandmother for $120 here as well don't lie no I'm not
$120 here as well don't lie no I'm not
$120 here as well don't lie no I'm not saying it's completely wrong for you to
saying it's completely wrong for you to
saying it's completely wrong for you to ask for help again it's with the
ask for help again it's with the
ask for help again it's with the behavior it's you're going and spending
behavior it's you're going and spending
behavior it's you're going and spending the money and then going to someone and
the money and then going to someone and
the money and then going to someone and bull crap that doesn't matter bull sorry
bull crap that doesn't matter bull sorry
bull crap that doesn't matter bull sorry I swear mom I know you you you were out
I swear mom I know you you you were out
I swear mom I know you you you were out there and now I feel like I need to you
there and now I feel like I need to you
there and now I feel like I need to you know but um good uh you're going and
know but um good uh you're going and
know but um good uh you're going and spending the B and expecting to be able
spending the B and expecting to be able
spending the B and expecting to be able to go ask for the money if they went and
to go ask for the money if they went and
to go ask for the money if they went and had to ask for the money but they were
had to ask for the money but they were
had to ask for the money but they were sacrificing on everything that's a
sacrificing on everything that's a
sacrificing on everything that's a completely different situation I would
completely different situation I would
completely different situation I would be okay with me supporting you me
be okay with me supporting you me
be okay with me supporting you me supporting you if you completely
supporting you if you completely
supporting you if you completely buckling down you're like crap I buckled
buckling down you're like crap I buckled
buckling down you're like crap I buckled down here's months of proof to do it and
down here's months of proof to do it and
down here's months of proof to do it and this thing came up and that's different
this thing came up and that's different
this thing came up and that's different I had to learn myself about credit I I
I had to learn myself about credit I I
I had to learn myself about credit I I asked a couple questions here and there
asked a couple questions here and there
asked a couple questions here and there to her and then she would explain it to
to her and then she would explain it to
to her and then she would explain it to me and you know how I'm bad at math so
me and you know how I'm bad at math so
me and you know how I'm bad at math so she'd explain it to me and then I'd be
she'd explain it to me and then I'd be
she'd explain it to me and then I'd be like okay I understand you're deflecting
like okay I understand you're deflecting
like okay I understand you're deflecting you're justifying I'm done with this
you're justifying I'm done with this
you're justifying I'm done with this conversation do you have any do you have
conversation do you have any do you have
conversation do you have any do you have any final thoughts I do not I'm scared
any final thoughts I do not I'm scared
any final thoughts I do not I'm scared for your future please get it together
for your future please get it together
for your future please get it together and I'm going to this this has
and I'm going to this this has
and I'm going to this this has definitely changed my perspective on
definitely changed my perspective on
definitely changed my perspective on life and how I deal with I hope so
life and how I deal with I hope so
life and how I deal with I hope so because you are not showing that in your
because you are not showing that in your
because you are not showing that in your language and conversations I tend not to
language and conversations I tend not to
language and conversations I tend not to make eye contact very
easily cool thanks to all of our patreon
easily cool thanks to all of our patreon producers for making this episode
producers for making this episode
producers for making this episode possible if you want to participate in
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able to make it to Austin Texas please fill out an application in the survey
fill out an application in the survey
fill out an application in the survey Linked In the description below you can
Linked In the description below you can
Linked In the description below you can also send a link to your friends or
also send a link to your friends or
also send a link to your friends or family who you think might be good to be
family who you think might be good to be
family who you think might be good to be on the show if you have any questions
on the show if you have any questions
on the show if you have any questions you can email casting cam.com
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