ilmscore | Prediction Details
"So, debt equals $26,99322. Very bad for your income situation. The income is $1,900. Okay, let's add up these minimum monthly payments. Credit One $41. Amazon $35. Mer Bank $35. Capital Platinum $25. Venture One $25. Platinum number two $25. Target card $30. Torid card $30. Zubble $25. Quicksilver $25. The first affirm $40. Second Affirm $11. Goodyear $40. Personal loan $206.79. And then our new Nissan 508. That brings our minimum monthly payments to $1,11.79. Wonderful. Great. Now, what do you provide to the utilities and internet and all that stuff? How much money is that? So, I give my boyfriend about $200 each check. Check. Yeah. So, $400 a month. Yes. Okay. We're already up to $1,500, by the way. 1,900 to live off of. Great. What's your phone bill? Um, like 150. Why? Because you owe on your phone. When you're done, if T-Mobile's good in your area, switch to Helium. I only pay $8 for my phone. Because of a promotion, but so the whole service is 150. Okay, great. Well, switch once your phone is paid off again. Switch to a lower paying service. I do plan on it. That's how they get you. Oh, it's cheap. You know, my minimum payment for my phone, but you're paying a ton for your phone service. Okay. Vroom from drive. Drive. How much gas? Um a month. Yes. Like 40. Okay. Car insurance. 267. Uh we are now over budget officially, but you said you buy groceries for the house. Mhm. So for three people? Yes. Well, you can contribute uh 800 to that pile. Um uh that's insane. I would rather split $700 rent by the way than that cuz this math is no longer mathing. Uh uh TP if you found anything else you need to survive is 100 bucks. Medical health care any co-pays? Um they're usually 3530. Is that once a month? Like what? I don't go to the doctor often. Okay. So I don't put it in there then. Right. Well, I go to my I see a therapist once. How much? That's 35. Okay. 35. I dare to ask, but gym? No. Okay. Let's put in 50 bucks because you need to go to the gym. What kind of gym membership is that expensive? Well, let's just let's just call it 50 just to be safe cuz I don't know. Planet F might be cheaper. I don't know. Okay. Uh you said you have a pet, right? Yes. What? A cat. Age? He is like seven. Uh I don't know if you can get pet insurance on that. Maybe I'll I I'll put in 60 bucks cuz you need to make sure you get good pet insurance. How much for cat food? Um, maybe 20. Anything else that needs to be in your budget that I have not put in yet? I can't put anything in subscriptions cuz we're already over budget. So, um, okay, you can uh Brandon got his cat S7 pet insurance. So, anything else that needs to be in your budget? No. Okay. Well, $22923.79."
By Caleb Hammer | September 26, 2025 | Pending
From video
No F*cking Way | Financial Audit 01:22:41 - 01:26:14
Interpreted Prediction
The guest's total debt is $26,993.22 with a monthly income of $1,900. Minimum monthly payments for all their credit cards, personal loan, and car loan total $1,111.79. Including contributions to utilities, phone, gas, car insurance, groceries, and a therapist, the total monthly expenses reach $2,292.37, exceeding their income. The speaker advises against splitting food costs as it's not cost-effective and suggests renegotiating rent and utilities to save money. To become debt-free in five and a half years, the guest needs an additional $1,500-$1,600 per month, possibly from a second job. The current situation is unsustainable without significant financial changes.
AI Evaluation Notes
The prediction discusses the guest's financial situation as of September 2025 and suggests changes needed to become debt-free in five and a half years. It's now January 2026, and the prediction is more about the immediate unsustainable situation rather than a specific future outcome that can be evaluated at this time.

Prediction Details

Topic
Personal Finance Management

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