The Most Insane Debt I've Ever Seen | Financial Audit
Published: 2025-09-19
Status:
Available
|
Analyzed
Published: 2025-09-19
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 1
Prediction
Topic
Status
The speaker believes that converting a garage in a small house, especially in a less desirable town, will negatively impact its future resale value and make it harder to sell.
"Americans are obsessive over garages. So, you're making this house even harder to sell in the future. But it is it's the only twotory house and it's a corner lot in that town. A lot of places have a town no one wants to live in."
Pending
A significant purchase of a high-end gaming PC (costing over $3,300) was made, ostensibly as a splurge for someone who rarely buys things for themselves, despite not having a child on the way and having an older computer.
"So, that was my it we're not having a kid purchase and uh they sent it with His computer was old and I had told him I'm like, you You know you you know you never buy anything for yourself you're always buying stuff for me I was like, why don't you go ahead and just splurge and buy yourself $3,354 is a nice computer yeah they sure should have been"
Correct
The speaker believes that bans for being 'an' (likely referring to being an annoyance or difficult player) in online gaming are overly sensitive and that toxicity, or at least not being overly sensitive, is a part of the gaming experience.
"So now I am not toxic on video games. How are you banned? Don't be toxic, kids. No, be toxic in video games. Stop banning people. We need to bring back toxity in the thing, right? Like if if I had said something racist or hate speech or any of that, I would have been fine with Ben. But it was really just me being an which is I think that that you shouldn't be sensitive enough like that on a video game."
Pending
The speaker criticizes the idea of returning to school as a way to avoid a $100 student loan payment, calling it lazy and suggesting it will only balloon debt further. They imply that the individual should focus on earning money and starting a career instead of deferring payments by re-enrolling in school.
"So, we're going to skin of our teeth it for a little bit longer and hopefully get somewhere eventually. But I was kind of hoping I could like start school back up and not have to worry about it. Why? Why is that always the excuse? That's for the laziest motheruckers that are This is a $100 payment. Go make money. Start a career. You're a mother! [screaming] Almost."
Pending
This appears to be a highly sexualized and nonsensical statement, likely a misinterpretation or garbled audio. It's not a financial prediction or actionable insight. It's included here for completeness but should be disregarded for practical analysis.
"And you guys talked about bringing in a second dick. It would get more affordable. Just a penis. It'd be a loved penis."
Pending
The speaker criticizes the idea of returning to school as a way to avoid a $100 student loan payment, calling it lazy and suggesting that the individual should focus on earning money and starting a career instead. The reference to 'mother' is in the context of an impending child, highlighting the financial irresponsibility.
"So, we're going to skin of our teeth it for a little bit longer and hopefully get somewhere eventually. But I was kind of hoping I could like start school back up and not have to worry about it. Why? Why is that always the excuse? That's for the laziest motheruckers that are This is a $100 payment. Go make money. Start a career. You're a mother! [screaming] Almost."
Pending
The speaker was only approved for a car loan at a 'buy here, pay here' dealership with a high 21% interest rate, indicating a severe issue with their creditworthiness.
"I got turned down at the dealership where they had like buy here, pay here 10,000 at a 21% interest rate. Yes. That's why I said that's the left. Yes. Yes. That is the only dealership that approved me for anything."
Correct
The speaker suggests that a garage conversion may negatively impact the resale value of a house, especially in a less desirable military town where housing options are limited and may not be optional for residents.
"Americans are obsessive over garages. So, you're making this house even harder to sell in the future. But it is it's the only twotory house and it's a corner lot in that town. A lot of places have a town no one wants to live in. No, it's a military town, they have to live there. It's not optional for most people."
Pending
The speaker is critical of using returning to school as a way to avoid a $100 student loan payment, labeling it lazy behavior and urging the individual to focus on earning money and starting a career, especially given their impending parenthood.
"So, we're going to skin of our teeth it for a little bit longer and hopefully get somewhere eventually. But I was kind of hoping I could like start school back up and not have to worry about it. Why? Why is that always the excuse? That's for the laziest motheruckers that are This is a $100 payment. Go make money. Start a career. You're a mother! [screaming] Almost."
Pending
A high-end computer was purchased for over $3,300, with a total cost expected to reach nearly $4,000 due to interest. The computer arrived with a broken graphics card, rendering it unusable for its intended purpose, and the minimum monthly payment is equivalent to a car payment.
"This is a [$3,354] computer with the fastest possible processor you can have in a computer and a 2060 graphics card. The 30 series are pretty cheap these days, but obviously you can't. I just I just put in what we had in the house, so I'm not dealing with that. Oh, good. Good. Well, that's actually a proper decision, but yeah, this is getting this was alone was absolutely ridiculous. $3,354.80 is what was spent, but you're going to spend a total of $3,914 on this. And it's didn't work. It's broken. Minimum monthly payments alone, you're doing a car payment on this PC tower, $3269."
Pending
Due to poor credit, the speaker was only approved for a car loan at a 'buy here, pay here' dealership with a high 21% interest rate, suggesting a significant financial challenge.
"I got turned down at the dealership where they had like buy here, pay here 10,000 at a 21% interest rate. Yes. That's why I said that's the left. Yes. Yes. That is the only dealership that approved me for anything."
Correct
The speaker is projecting the total cost of a computer purchased from Cyber Power to be around $3,900 after interest, despite encountering issues with a faulty graphics card.
"So, I sold it four parts and now I have a 3,300. I think it's like 3,900 after the interested computer with the fastest possible processor you can have in a computer and a 2060 graphics card."
Pending
The speaker admits to spending $92,000 on in-game skins when they were 19.
"Uh like 92,000. So, $92,000 hours on in-game skins."
Unrated
The speaker was banned from League of Legends for being toxic, not for using racial slurs.
"So now I am not toxic on video games. How are you banned? Don't be toxic, kids."
Unrated
There's a prediction that student loan defaults could lead to wage garnishment by the government, where pay is intercepted before it reaches the individual's account.
"The government will contact your employer of which, trust me, they know who they are, and they will take your pay before it even hits your account. It's called garnishment."
Correct
The speaker bought a computer for $3,354.80 which was delivered with a faulty graphics card and the seller refused to resolve the issue, leading to a total cost of $3,914 for a broken product.
"So Cyber Power screwed me on that. So I sold it four parts and now I have $3,354.80 is what was spent, but you're going to spend a total of $3,914 on this. And it's didn't work. It's broken."
Pending
The speaker spent $92,000 on in-game skins at age 19, but lost all of them due to being banned from the game.
"I spent $92,000 on skins. That's the best part is I don't have any of them anymore. I got banned."
Pending
The speaker's partner has multiple credit cards and loans in collections totaling over $3,500, including a GameStop card and a J.C. Penney card opened for a specific purchase.
"So, we have her two payday loans that she stopped paying on. One for $1,300, the other one for $800. He also has a payday loan for about $200. No, it's in collections. Yeah, it should have been on that credit card. Yeah, I don't. So then she has two Capital One cards that are both in collections. She's a GameStop card that's in collections for $620. A J C Penney uh card in collection $655."
Pending
The speaker was unaware that their student loans were out of forbearance and anticipates a $100 monthly payment, but will need to make up for missed payments.
"I was going to pay them, but I didn't know they were out of forbearance. So, I need to jump on that. I'm going to assume it's a $100 payment on a monthly basis, but you're going to have to make up for it."
Pending
The couple has two car loans that are underwater. One car has a $26,152 balance with 12% interest, and the speaker was approved for another car at a buy-here-pay-here dealership with a $10,000 loan at 21% interest after being denied elsewhere.
"My 2019 Toyota Camry has a 12% interest rate. The balance is $26,152. We're underwater on both. Also, this is interesting. You told Lindsay that you got turned down for a $9,000 car. How'd you get magically approved for? I got turned down at the dealership where they had like buy here, pay here $10,000 at a 21% interest rate."
Correct
Both partners have payday loans in collections, totaling over $2,300.
"So, we have her two payday loans that she stopped paying on. One for $1,300, the other one for $800. He also has a payday loan for about $200. No, it's in collections."
Correct
The partner owes $1,114 for a debt consolidation loan that has gone to collections.
"Then she has a $1,114 collection for uh debt consolidation."
Pending
The partner owes nearly $3,000 to Verizon for multiple devices (phone, backup phone, tablet, watch) that she stopped paying for.
"She also owes Verizon almost $3,000. Um, she had a phone, a backup phone, a tablet, and a watch, and she just stopped paying on that."
Pending
A credit card with a $300 limit has a balance of over $360, indicating it is over the limit and likely incurring significant fees.
"The limit's 300. You're over the limit. You're over. What are we doing? This is just You're hitting every financial a milestone you could possibly hit. $35 $25 minimum monthly payment. Yeah, you purchased it was at $360. You're already over."
Correct
A credit card has accrued $118 in fees and $77 in interest within the current year, with a balance of $490 and a $30 minimum monthly payment.
"It's at $490 and that was going to be like our e $118 in fees this year so far. $77 of interest, $30 minimum monthly payment."
Pending
The speaker admits to deferring payments on a credit card debt of approximately $600-$900, justifying it by saying they'll call back when they can afford it, but never following through.
"I'm I always try to push it off and try to justify it. I say, 'Oh, yeah. When I can afford that $900 every [pause] Yeah. So, we'll call it $600. I'll put it in parentheses.' Oh, I'll call back when I can afford it. But I I never can, so I never call back."
Pending
A 'Star Card' debt, initially around $1,800, has been taken by collections twice after interest accrued, with balances updating yearly and a reported 800% interest rate.
"And then the next year they took it again. Still didn't pay it off cuz apparently in that year of interest, it acrewed back over what it was at. And so now it's back. It's not It won't show up on there. I don't know why the star card will not show up on there. And when I try to call them, it shows up, but it won't show me the amount. The the balance updates like once a year. So, what's owed on it? Um, right now 1,800, I think, is. Yeah. It just racks up so so fast. And they're supposed to be low interest. That's their whole selling point. And then I went to collections and they were like, 'Ah, no. It's like 800% about this, man.'"
Pending
The speaker purchased a computer for $3,354.80 which arrived with a defective graphics card, and after multiple attempts to get a replacement, ended up with a broken $3,914 product.
"So, Cyber Power screwed me on that. So I sold it four parts and now I have $3,354.80 is what was spent, but you're going to spend a total of $3,914 on this. And it's didn't work. It's broken."
Pending
The speaker justifies owning a large truck by stating they cannot fit comfortably in their partner's car, which is only drivable for short distances.
"I will die on the hill that that truck is all I had. I cannot be in a in a car car like her car. I can't drive it more than 10 minutes. No, barely. Nope. Uh, economy plus maybe if I sit like fetal position and cry the whole way. Maybe."
Pending
The speaker criticizes the idea of returning to school to avoid a $100 student loan payment, suggesting it's a strategy to defer debt and balloon it further.
"Why is it go back to school to avoid a $100 payment? So, you're going to balloon your debt even more and then always defer it by going back to school endlessly."
Correct
The speaker questions the justification for purchasing a new laptop for D&D map making, given the 200 hours spent on it in 3 weeks while debt remains unpaid.
"You wanted to play to make maps for D and D campaign. Yeah, and I've already put over 200 hours on the laptop in 3 weeks. Dude, what the spend 200 hours going and working and paying down this debt?"
Pending
A credit card with a $300 limit is over the limit at $360, with a minimum monthly payment of $35.25, indicating a pattern of exceeding limits and accumulating debt.
"The limit's 300. You're over the limit. You're over. What are we doing? This is just You're hitting every financial a milestone you could possibly hit. $35 $25 minimum monthly payment. Yeah, you purchased it was at $360. You're already over."
Correct
The speaker was unaware their student loans were out of forbearance and plans to address the payments immediately upon receiving their next paycheck.
"I had her look into it and we get paid tomorrow and we're jumping on it cuz I did not know they were out of forbearance."
Correct
The speaker's 2019 Toyota Camry has a balance of $26,152 with a 12% interest rate, and the vehicle is worth less than the loan amount, meaning they are 'underwater'.
"My 2019 Toyota Camry has a 12% interest rate. The balance is $26,152. We're underwater on both."
Pending
The speaker was only approved for a car loan at a 'buy here, pay here' dealership with a $10,000 loan at a 21% interest rate after being rejected by other dealerships.
"I got turned down at the dealership where they had like buy here, pay here $10,000 at a 21% interest rate. Yes. That's why I said that's the left. Yes. That's the only dealership that approved me for anything."
Correct
If student loans go into default, the government can garnish wages directly from the employer before the funds are deposited into the employee's account.
"They're about to be in default pretty damn quick. And the government will contact your employer of which, trust me, they know who they are, and they will take your pay before it even hits your account. It's called garnishment."
Correct
The partner purchased a Switch Light, disliked it, upgraded to a standard Switch, and then within two weeks, traded that in for the OLED model, incurring additional costs each time.
"So, she got a credit card for GameStop specifically to get a Switch light. She had the Switch light for a week. Hated it. Upgraded to a Switch. She did, but you had to pay extra on top of it. And then two weeks later, she wanted the OLED. So, she traded in her Switch for an OLED because I'm like, if it's I If I'm going to spend the money, I'd rather get the the best one."
Correct
A $3,354 gaming PC was purchased as a splurge, but arrived with a bricked graphics card, and subsequent replacements also had faulty graphics cards.
"So, that was my it we're not having a kid purchase and uh they sent it with his computer was old and I had told him I'm like, you never buy anything for yourself you're always buying stuff for me I was like, why don't you go ahead and just splurge and buy yourself a $3,354 is a nice computer yeah they sure should have been oh that company needs to burn to the ground so they sent me it with a bricked graphics card right and then I RM the graphics card they sent back a bricked graphics card"
Correct
A $3,354 computer purchase from Cyber Power, which arrived with a faulty graphics card and was eventually sold for parts, resulted in a total debt of $3,914 after interest, with minimum monthly payments of $326.90.
"Cyber Power screwed me on that. So I sold it four parts and now I have $3,354.80 is what was spent, but you're going to spend a total of $3,914 on this. And it's didn't work. It's broken. Minimum monthly payments alone, you're doing a car payment on this PC tower, $3269."
Correct
A user spent $92,000 on in-game skins at age 19, which would have been worth approximately $2.3 million if invested in the stock market by retirement age.
"So, I spent uh like $92,000 on skins."
Incorrect
After being denied a $9,000 car loan, the individual secured a different vehicle at a dealership with a 21% interest rate on a $10,000 loan.
"Also, this is interesting. I mean, you told Lindsay that you got turned down for a $9,000 car. How'd you get magically approved for? I got turned down at the dealership where they had like buy here, pay here $10,000 at a 21% interest rate. Yes. That's why I said that's the left. Yes."
Pending
A $27,128 car loan with a $742.19 minimum monthly payment and a 12% interest rate is considered a significant financial burden for the household's income.
"$27,128.45 with minimum monthly payment, which is absolutely disgusting for your household, but we're justifying it to death. $742.19."
Pending
Student loan payments, which were not budgeted for due to a lack of communication, are at risk of garnishment if not paid, with potential default and employer notification.
"Yeah, she didn't tell me. Um, so it wasn't even in the budget. I found out when we were calling for the show, you know, they're about to be in default pretty damn quick. And the government will contact your employer of which, trust me, they know who they are, and they will take your pay before it even hits your account. It's called garnishment."
Correct
Two Capital One credit cards and a GameStop card are in collections, with the GameStop card balance at $620.
"Yeah, I don't know. So then she has two Capital One cards that are both in collections. She's a GameStop card that's in collections for $620."
Pending
An individual has become trapped in a cycle of using payday advances due to previous misuse, necessitating repeated reliance on them.
"Well now I have to use it again and again and again."
Correct
The individual has repeatedly failed to pay off a 'Star Card' debt, missing opportunities to complete the payments over time.
"I've been jumping through hoops for this damn star card for I could have finished it. Multiple times."
Pending
The overall financial health of the household is rated at a very low 2 out of 10.
"Hammer Financial Score rounded up two out of 10."
Unrated
Returning to school to defer student loan payments is discouraged due to the increasing debt and potentially less forgiving loan terms, especially after having already re-enrolled once without completing the program.
"So, you're going to balloon your debt even more and then always defer it by going back to school endlessly. And now the student loans are different anyway. New student loans you take out are not as forgiving anymore. They're still very forgiving for worse. It's worse than that cuz she already went back to school once."
Correct