$60,000+ For New Boobs | Financial Audit
Published: 2025-09-12
Status:
Available
|
Analyzed
Published: 2025-09-12
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 7
Prediction
Topic
Status
The average interest rate for a car loan for someone with the guest's credit score is predicted to be 19%.
"So, you're likely at a 19% interest rate. That's what we're seeing on average for someone with your credit score. 19%."
Incorrect
It is predicted to take approximately 2.5 to 3 years to pay off the existing debt.
"Divided that by a,000. I mean, it's pretty basic math at that point, but that is 33 months. That is not the worst. Uh we're talking about two and a half years, close to three years actually to get paid off."
Pending
It is predicted to take 2.5 years to build a fully funded emergency fund.
"So, call it 2 and 1/2 years to have a fully funed emergency fund."
Correct
After paying off debt and building an emergency fund, retirement savings should begin, with a potential for starting retirement contributions in the mid-30s. This implies a long-term retirement savings strategy.
"So, call it 2 and 1/2 years to have a fully funed emergency fund. ... Then we are doing 50 30 20 ... maybe 30 25 cuz you'll be starting mid mid30s retirement."
Pending
It is advised to wait to buy a car until after debt is paid off and an emergency fund is established. The recommendation is to save $5,000 for a down payment on a $10,000 car and aggressively pay off the remaining balance.
"Do not get a car yet. Do not get a car. And then at that point, we are saving up $5,000. I'll let you put $5,000 down on a $10,000 car. And then you aggressively pay off that $5,000."
Pending
A $10,000 car is expected to last for a 'while'.
"How long is a $10,000 car going to last me though? For a while, dude."
Unrated
It is recommended to have any used car purchase inspected by two mechanics to ensure safety and longevity before buying.
"And no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it. So, you're going to pay for them to look at it and give their full sign off that this is going to be safe. This is going to last you for a few years without major repairs..."
Correct
A property management company refused partial payments for apartment debt, indicating a strict collection policy.
"So, what's your method to pay this back? What has been the idea? cuz this is,000 hours is insane. Well, so they The thing is with the apartment desk like the apparently the property management company, they can't they won't take a partial payments cuz I was like, can I make payments on it? And they were Yeah, I know. It was really weird."
Pending
The previous landlord debt has been placed on a payment plan.
"Yeah. So, now it is on a payment plan. Yeah. Yeah. In the like debt like Okay. So, I signed"
Pending
The total estimated debt, excluding the hot tub loan and previous landlord debts, is over $33,980, comprised of credit card debt, a line of credit, money owed to a boyfriend and friend.
"So, you owe $30,691 plus $1,389 from the line of credit plus 1,200 from the boyfriend, plus 700 from the friend, not doing the hot tub debt, and we obviously the first one was the national credit relief, debt relief, divided that by a,000."
Pending
The balance on the Capital One credit card is $21,577.
"The Capital One itself is $21,577."
Pending
The balance on the Apple credit card is approximately $5,000, with $3,000 potentially already paid off.
"Goldman Sachs. Then that's my Apple credit card. Oh, you owed 5,000. 3,000."
Pending
Vaping expenses are equivalent to an extra annual payment towards National Debt Relief, equating to $500 per month.
"And then you got $25, it's like 500 bucks. So, $500 a month. That is an extra payment on your national debt relief a year. That is an extra payment on your national debt relief a year."
Pending
The current total debt, after accounting for some landlord debts, is $30,691, primarily consisting of Capital One credit card debt, along with other debts.
"So, you owe $30,691 on here. Now we're crossing off of the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit, and now this $30,691 of debt, which most of it is that Capital One, which is crazy."
Pending
The monthly payment for National Debt Relief is $544.
"Now I pay it all like Yes, I pay I pay 544 a month."
Pending
Monthly Uber expenses are estimated at $520, which is comparable to a car payment but does not result in an asset.
"So, $520 a month in Ubering. That's chunky. That is a car payment, but you're not taking into account the interest that goes with it. Of course, you get an asset in the end. Declining asset. Absolutely. Let's save up. Let's get a car."
Pending
A recommended monthly transportation budget is $300, with allowance for some Ubers.
"Transportation budget, I think you can do 300 bucks a month. Let's try to cut this down. Let's grind to the bone. 300. And that's me being generous, giving some Ubers here and there."
Pending
A recommended monthly food budget is $300, with the suggestion to use a budget-friendly cookbook.
"Food, you can do 300 for yourself. We'll give you the Uh Can I hand that? We'll get you set up with the budget friendly cookbook. You follow it. 300 bucks a month. It's good."
Incorrect
Monthly expenses for dog food are estimated at $80, with an additional $34 per month allocated for flea and tick prevention.
"Probably about 80. Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs? I mean, just flee and tick stuff every like 3 months. Um about 100 bucks for both of them. So we'll call it 34 bucks for dogs under health."
Pending
A gym membership is factored into the budget at $50 per month, though a $25 option is also mentioned.
"What about a $25 gym? Well, okay. Let's see if we can do the same. Let's see if we can do it. Let's see if we can do it. 50 bucks"
Correct
The budget for subscription services is recommended to be $30 per month.
"Subscriptions. Let's see if we can do $30."
Pending
The estimated monthly expenses required for survival are $2,946.
"All right, let me do the math. What you need to survive is $2,946 a month."
Pending
After covering survival expenses, there is an estimated $1,000 to $1,170 remaining monthly for debt repayment and savings.
"So, what are we doing here? This is totally fine. Let's Let's just round it. Give you $170 of wiggle room since this is, you know, a lighter budget. We're kind of, you know, you will dive deep in and you'll figure things out. But let's say you have $1,000 left over"
Pending
By boosting income with a second job, the existing debt can be paid off in approximately 2 years.
"Boost your income. Get a second job. Boom. We get this paid off in 2 years total."
Pending
After debt is paid off, the goal is to build a fully funded emergency fund, aiming for one month's worth of expenses, or approximately $12,000, within an additional six months.
"And then call in another six months to build a fully funed emergency fund. Okay. I'd get a one month emergency fund or save off whatever your highest deductible for any of your"
Pending
A car purchase is advised against until after debt is paid off and an emergency fund is established (approximately 3 years from now). The plan involves saving $5,000 for a down payment on a $10,000 car.
"So, call it 2 and 1/2 years to have a fully funed emergency fund. All bad debt paid off. Keep taking public transportation through there as long as you absolutely can with a little bit of Ubering. Do not get a car yet. Do not get a car. And then at that point, we are saving up $5,000. I'll let you put $5,000 down on a $10,000 car."
Pending
Due to lost time for compound growth in the market, a more aggressive investing strategy (potentially 25-30% of income) is recommended starting in the mid-30s to ensure a chance at retirement.
"Then we are doing 50 30 20 50% on your needs 30% on wants and 20% to investing maybe 30 25 cuz you'll be starting mid mid30s retirement. So you last you lost the best decade of your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so we have a shot at retirement."
Pending
To accelerate debt payoff, an additional $500 per month in income is recommended, possibly from a second job.
"I want you to pick up a second job. Bring in an extra $500. Pay this off in 2 years."
Pending
The guest disputes the amount of $8,000 owed to a previous landlord, believing the calculation is incorrect.
"I don't think she did the math right either. I don't think it's that much."
Pending
A landlord reportedly caught the guest's dog urinating on the carpet.
"The landlord caught the dog peeing on the carpet in one of the places."
Correct
The guest plans to ask a former roommate to document the condition of the previous rental property to potentially dispute the landlord's charges.
"I might get my old roommate to do that for me cuz there's still nobody living in there."
Pending
The guest used a line of credit to pay rent, contradicting previous statements about not using credit cards.
"Why would I get a line of credit and not use it? I needed it for what? ... to pay rent."
Pending
The guest's line of credit balance has exceeded the credit limit.
"The balance went up to $1,38942. What? It's over the credit limit."
Correct
The debt relief program has accumulated $2,700 in an account, which is being used for negotiation purposes.
"So, like that they're using to negotiate. Okay. So, that's what's in there. Okay, I got it. That's rough, man. That's rough."
Pending
The balance on the Capital One credit card is $21,577.
"The Capital One itself is $21,577."
Pending
The Apple Card balance, identified as a Marcus loan by Goldman Sachs, is approximately $5,000, with $3,000 possibly paid off.
"Goldman Sachs. Then that's my Apple credit card. Oh, you owed 5,000. 3,000. Yeah, that's That sounds right."
Pending
The remaining debt on the boob job is approximately a few hundred dollars, which was incorporated into the debt relief program after payments were stopped.
"And that's what was owed left on the boob job. She She Oh god. She national debt relief her boobs. She national debt relief hering. Well, it's I stopped making the payments on them and so they just like looped all into one payment."
Pending
The total debt is approximately $30,691, primarily from Capital One, excluding other debts like those owed to the boyfriend, friend, hot tub loan, and line of credit.
"So, you owe $30,691 on here. Now we're crossing off of the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit, and now this $30,691 of debt, which most of it is that Capital One, which is crazy."
Pending
The monthly payment for National Debt Relief is $544.
"Now I pay it all like Yes, I pay I pay 544 a month."
Pending
Monthly Uber expenses are estimated at $520, which is significant and comparable to a car payment.
"So, $520 a month in Ubering. That's chunky. That is a car payment, but you're not taking into account the interest that goes with it. Of course, you get an asset in the end. Declining asset. Absolutely. Let's save up. Let's get a car."
Pending
The recommended monthly transportation budget is $300, which includes some Uber use.
"Transportation budget, I think you can do 300 bucks a month. Let's try to cut this down. Let's grind to the bone. 300. And that's me being generous, giving some Ubers here and there."
Pending
A monthly food budget of $300 is recommended, with the suggestion to use a budget-friendly cookbook.
"Food, you can do 300 for yourself. We'll give you the Uh Can I hand that? We'll get you set up with the budget friendly cookbook. You follow it. 300 bucks a month. It's good."
Correct
Monthly dog food costs are estimated at $80, with an additional $34 per month for flea and tick treatment.
"Probably about 80. Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs? I mean, just flee and tick stuff every like 3 months. Um about 100 bucks for both of them. So we'll call it 34 bucks for dogs under health."
Correct
A monthly gym membership is budgeted at $50, with a $25 option also mentioned.
"What about a $25 gym? Well, okay. Let's see if we can do the same. Let's see if we can do it. Let's see if we can do it. 50 bucks"
Correct
The monthly budget for subscription services is recommended to be $30.
"Subscriptions. Let's see if we can do $30."
Pending
The estimated monthly cost of survival is $2,946.
"All right, let me do the math. What you need to survive is $2,946 a month."
Incorrect
After covering survival expenses, approximately $1,000 to $1,170 is available monthly for debt repayment and savings.
"So, what are we doing here? This is totally fine. Let's Let's just round it. Give you $170 of wiggle room since this is, you know, a lighter budget. We're kind of, you know, you will dive deep in and you'll figure things out. But let's say you have $1,000 left over"
Pending
To achieve debt freedom in 2 years, increasing income through a second job is recommended, aiming for an extra $500 per month.
"Boost your income. Get a second job. Boom. We get this paid off in 2 years total."
Pending
A fully funded emergency fund is projected to be achievable within 2.5 years.
"So, call it 2 and 1/2 years to have a fully funed emergency fund."
Pending
It is advised to postpone car purchase until after debt and emergency fund goals are met, with a plan to save $5,000 for a down payment on a $10,000 car.
"Do not get a car yet. Do not get a car. And then at that point, we are saving up $5,000. I'll let you put $5,000 down on a $10,000 car."
Correct
Given the delayed start, a more aggressive investment strategy (25-30% of income) is recommended from the mid-30s onwards to secure retirement.
"Then we are doing 50 30 20 50% on your needs 30% on wants and 20% to investing maybe 30 25 cuz you'll be starting mid mid30s retirement. So you last you lost the best decade of your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so we have a shot at retirement."
Pending
All used car purchases should undergo inspections by two mechanics to ensure safety and reliability.
"And no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it. So, you're going to pay for them to look at it and give their full sign off that this is going to be safe. This is going to last you for a few years without major repairs..."
Pending
The guest questions the accuracy of a landlord's calculation for alleged damages.
"I don't think she did the math right either. I don't think it's that much."
Pending
A landlord reported finding the guest's dog urinating on the carpet.
"The landlord caught the dog peeing on the carpet in one of the places."
Correct
The guest intends to ask a former roommate to document the condition of the previous rental to dispute landlord claims.
"I might get my old roommate to do that for me cuz there's still nobody living in there."
Pending
The guest admits to using a line of credit to cover rent payments, which contradicts earlier statements about avoiding credit card spending.
"Why would I get a line of credit and not use it? I needed it for what? ... to pay rent."
Correct
The balance on the line of credit has exceeded its limit.
"The balance went up to $1,38942. What? It's over the credit limit."
Correct
The debt relief program has $2,700 available for negotiation.
"So, like that they're using to negotiate. Okay. So, that's what's in there. Okay, I got it. That's rough, man. That's rough."
Pending
The balance on the Capital One credit card is $21,577.
"The Capital One itself is $21,577."
Pending
The Apple Card debt, identified as a Marcus loan by Goldman Sachs, is around $5,000, with $3,000 potentially paid.
"Goldman Sachs. Then that's my Apple credit card. Oh, you owed 5,000. 3,000. Yeah, that's That sounds right."
Pending
The remaining debt for the boob job is a few hundred dollars and has been included in the debt relief program due to missed payments.
"And that's what was owed left on the boob job. She She Oh god. She national debt relief her boobs. She national debt relief hering. Well, it's I stopped making the payments on them and so they just like looped all into one payment."
Correct
The current total debt is approximately $30,691, primarily from Capital One, in addition to other outstanding debts.
"So, you owe $30,691 on here. Now we're crossing off of the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit, and now this $30,691 of debt, which most of it is that Capital One, which is crazy."
Pending
The monthly payment for the National Debt Relief program is $544.
"Now I pay it all like Yes, I pay I pay 544 a month."
Pending
Monthly Uber expenses are estimated at $520, which is considered substantial and comparable to a car payment.
"So, $520 a month in Ubering. That's chunky. That is a car payment, but you're not taking into account the interest that goes with it. Of course, you get an asset in the end. Declining asset. Absolutely. Let's save up. Let's get a car."
Pending
A monthly transportation budget of $300 is recommended, allowing for some Uber usage.
"Transportation budget, I think you can do 300 bucks a month. Let's try to cut this down. Let's grind to the bone. 300. And that's me being generous, giving some Ubers here and there."
Pending
A monthly food budget of $300 is recommended, with the suggestion to utilize a budget-friendly cookbook.
"Food, you can do 300 for yourself. We'll give you the Uh Can I hand that? We'll get you set up with the budget friendly cookbook. You follow it. 300 bucks a month. It's good."
Incorrect
Monthly dog food expenses are estimated at $80, with an additional $34 per month for flea and tick treatment.
"Probably about 80. Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs? I mean, just flee and tick stuff every like 3 months. Um about 100 bucks for both of them. So we'll call it 34 bucks for dogs under health."
Incorrect
A monthly gym membership is budgeted at $50, with a $25 option mentioned as well.
"What about a $25 gym? Well, okay. Let's see if we can do the same. Let's see if we can do it. Let's see if we can do it. 50 bucks"
Incorrect
The monthly budget for subscription services is recommended to be $30.
"Subscriptions. Let's see if we can do $30."
Pending
The estimated monthly cost of survival is $2,946.
"All right, let me do the math. What you need to survive is $2,946 a month."
Correct
After covering survival expenses, approximately $1,000 to $1,170 is available monthly for debt repayment and savings.
"So, what are we doing here? This is totally fine. Let's Let's just round it. Give you $170 of wiggle room since this is, you know, a lighter budget. We're kind of, you know, you will dive deep in and you'll figure things out. But let's say you have $1,000 left over"
Pending
To achieve debt freedom in 2 years, increasing income through a second job is recommended, aiming for an extra $500 per month.
"Boost your income. Get a second job. Boom. We get this paid off in 2 years total."
Pending
A fully funded emergency fund is projected to be achievable within 2.5 years.
"So, call it 2 and 1/2 years to have a fully funed emergency fund."
Pending
It is advised to postpone car purchase until after debt and emergency fund goals are met, with a plan to save $5,000 for a down payment on a $10,000 car.
"Do not get a car yet. Do not get a car. And then at that point, we are saving up $5,000. I'll let you put $5,000 down on a $10,000 car."
Pending
Given the delayed start, a more aggressive investment strategy (25-30% of income) is recommended from the mid-30s onwards to secure retirement.
"Then we are doing 50 30 20 50% on your needs 30% on wants and 20% to investing maybe 30 25 cuz you'll be starting mid mid30s retirement. So you last you lost the best decade of your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so we have a shot at retirement."
Pending
All used car purchases should undergo inspections by two mechanics to ensure safety and reliability.
"And no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it. So, you're going to pay for them to look at it and give their full sign off that this is going to be safe. This is going to last you for a few years without major repairs..."
Incorrect