Published: 2025-09-22
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 3
Prediction
Topic
Status
The speaker mentions a Prime Visa and a Chase Prime Visa credit card, indicating potential combined debt or shared financial responsibility with Joey. The context involves discussions about a past break and relationship reconciliation, suggesting this debt may be linked to their relationship status.
"I have this Prime Visa, but I don't have like a B again. You guys aren't giving statements. What? Someone pull up the the the Chase Prime Visa. Is Is that you and Joey? Yeah. I don't know if I can get Uh, that she wasn't really into women. And so when that's complicated. Yeah. And every Joey kept saying no, it's fine. And then it turned out no, she really didn't think she was at the time. Wasn't sure. I wasn't sure. So then uh we we were you know, on a break for a while and then we had a lot of discussions when we finally did get back together and things have been like way better. Like way better."
Pending
The speaker is referencing a student loan balance of $21,169. Alice is primarily responsible for this debt, which transferred from Great Lakes to Nelnet. The balance increased significantly due to accrued interest during a period of no payments.
"You said it. Yeah, I'm a sorry. No, I mean, you're a sorry. Oh, my God. Are you kidding? You've been dealing with so much and you've been doing it all alone. And it's not just us. It's us. Yeah. And maybe there'll be more. Maybe there'll be more rings. Maybe you'll have a whole handful of rings. Right now, I wanted to at least Yeah."
Pending
Alice has a certificate in Automated Computer Specialist, but believes it's no longer a viable career path, equating it to being a secretary. She has been applying for jobs but finds limited opportunities for her qualification, suggesting a need for further education or a career change to increase her earning potential.
"I have a plan of basically everything that comes up. I apply at basically anything that makes Well, I'm sure there's not many opportunities in that area. No offense. Not really. No, there's not. I have a plan of basically everything that comes up."
Correct
The transcript details significant credit card debt and spending habits. A specific credit card has a balance of $3,863.86 with a 20.15% interest rate. Another card has a balance of $7,023.35 with a minimum payment of $226, taking an estimated 15 years to pay off without further purchases. The speaker emphasizes the impact of frequent fast food and vending machine purchases on this debt.
"The $3,000 she spent on fast food in a month was highlighted as a significant issue, especially in contrast to the inability to make a $1,000 credit card payment. The speaker points out that avoiding fast food for two months could have covered the missed credit card payment, suggesting a behavioral issue with spending."
Pending
Alice has a $10,000 Upstart loan for an RV purchased in 2021 for $25,000. She sold the RV for $14,000 but still owes $10,000 due to being unable to afford payments after her separation and other debts going into relief/collections. She plans to negotiate this loan herself after it went to collections during debt negotiation.
"I have a plan of basically everything that comes up. I apply at basically anything that makes Well, I'm sure there's not many opportunities in that area. No offense. Not really. No, there's not. I have a plan of basically everything that comes up. So, the only um the other debt I have is $10,000 with Upstart. It was a part of the debt relief program, but I'm breaking off from it and just going to try and negotiate myself."
Pending
Alice owes $5,000 to a friend for a car purchased in 2022. The car, a Nissan Versa Note, has a low market value and has been experiencing mechanical issues since it was bought 'as is'. The loan has an unknown interest rate, and the car's unreliability poses a risk to Alice's commute to work.
"She owes her friend $5,000 for a car. It's a loan from a bank with an unknown interest rate, taken out in 2022. The car is a Nissan Versa Note with a very low value (estimated at $1,500) and has been experiencing engine leaks and other issues since purchase. The minimum monthly payment is $150, and the car is not expected to last much longer."
Pending
The household's financial situation is dire, with monthly expenses significantly exceeding income after accounting for non-mortgage debt, utilities, car payments, and personal spending. The analysis reveals a severe lack of financial discipline, particularly concerning discretionary spending like frequent fast food and vending machine purchases, which contribute to a projected 95-year payoff timeline for their debt.
"The household income is $9,900, but expenses, excluding the mortgage, are estimated at $9,813.34 per month, leaving only $86.66. This does not include the mortgage, collections, or student loans. The analysis highlights excessive spending on fast food ($1,035 in one month), vending machines, and other non-essential items. The speakers advocate for significant budget cuts and a potential shift in financial management responsibilities."
Pending
Joey and his family relocated from Arizona to New Hampshire due to concerns about job security during economic downturns and a desire to align with libertarian principles. Despite anticipating job loss, Joey received a promotion, complicating their initial decision-making process for the move and subsequent financial planning.
"The decision to move to New Hampshire was influenced by Joey's job experiencing significant cuts and his libertarian ideology, aligning with New Hampshire's reputation as a 'libertarian capital'. He anticipated job loss and sought a more favorable environment. They sold their Arizona home and moved, but he did not lose his job; instead, he received a promotion, which was a surprise."
Correct
The household's retirement savings are significantly behind, with a combined total of $35,000. This is considered inadequate given their current financial situation and future needs, indicating a pressing need to prioritize retirement contributions.
"The household is described as 'dramatically behind' on retirement savings, with a total of $35,000 across two retirement accounts. This is considered insufficient for their current age and future financial security, highlighting a critical need for increased contributions."
Pending
The household has a mortgage of $3,100.17, which consumes a significant portion of their income. This payment is on a house that is 34% of their gross income. The speakers express concern about the size of this payment and its impact on their overall financial health.
"The mortgage payment is $3,100.17 on a house valued around $437,911.6. The mortgage interest rate is 6%, which was a reduction from an initial 7%. The high mortgage payment represents 34% of their current gross income ($8,900), which is considered within a 'reason' range but still a significant financial burden."
Correct
The transcript delves into the complexities of a polyamorous relationship, exploring the emotional dynamics between the partners. Alice expresses concern over Joey's emotional reactions and lack of financial involvement, while Joey admits to feeling overwhelmed and unprepared for the situation. Ariel confirms a long-standing connection with Joey, suggesting a stable emotional foundation within the relationship.
"The conversation touches upon the dynamics of a polyamorous relationship, with questions about relationship structure, feelings of jealousy, and the emotional impact of the situation. Alice expresses concerns about Joey's fear and shut-down behavior, while Joey acknowledges his own lack of involvement and the need for change. The new partner, Ariel, expresses long-standing feelings for Joey and the ongoing nature of their relationship."
Unrated
Alice is actively working to manage her debt through a relief program, with plans to pay off smaller debts and then address larger ones. However, Joey's lack of financial involvement has contributed to the household's overall debt crisis. The speakers highlight the necessity of both partners taking responsibility for their finances to achieve their goals.
"Alice is currently participating in a debt relief program for one of her credit cards, with two payments remaining. She plans to pay off her smaller debts and then address her other debts. Joey, on the other hand, has been largely uninvolved in financial matters, leading to significant debt accumulation and a lack of clarity on their financial situation. The speakers emphasize the need for combined financial responsibility and a clear plan to manage their debt."
Pending
The household received a very low financial score of 2 out of 10, reflecting their dire financial situation. The recommended solutions include increasing income, drastic budget cuts, and potentially bankruptcy. The speakers stress the importance of behavioral change, budgeting, and open communication to improve their financial standing.
"The household's financial score is a dismal 2 out of 10. They are advised to drastically cut expenses, tighten their budget, and potentially consider bankruptcy or a strict repayment plan. The speakers emphasize the need for behavioral change, budgeting, and open communication about finances."
Pending
The family experienced a financial loss on a New Hampshire property, selling it for $5,000 less than they purchased it for. This event, coupled with their current financial struggles, suggests a history of making poor real estate investment decisions. The speakers advise caution regarding further property ventures given their current debt burden.
"The speakers discuss the financial implications of selling their New Hampshire property. They bought it for $140,000 and sold it for $135,000, resulting in a $5,000 loss. This loss, combined with the existing personal loan for the RV, indicates a pattern of poor financial decisions related to property acquisition and sale. The house they currently own also has minimal equity, making a sale financially unadvantageous."
Correct
Alice's student loan balance of $21,169 has grown due to accrued interest while payments were deferred. She has requested an extension until November, indicating a need to manage this debt strategically as part of her overall financial plan.
"Alice has a student loan balance of $21,169, transferred from Great Lakes to Nelnet. She requested an extension on payments, which was granted until November. The balance increased significantly due to accrued interest during a period when payments were not required."
Pending
The combined non-mortgage debt is $113,631, and with the current payoff rate, it will take over 95 years to clear.
"We have $113,631 of debt, not including the mortgage, that will take $1,145 months to pay off."
Pending
A prediction that one individual in the household desires to consolidate all finances into a single account and distribute allowances, with the implication that this arrangement might be financially unsustainable for the non-earning party.
"She wants everything to come into one account and then give you two allowances. The one who makes no money handing out allowances."
Pending
The household's average monthly income is approximately $9,000.
"You guys bringing an average of like $9,000 bucks a month."
Pending
A prediction that adding a third income source to the household will result in a triple income situation, with a follow-up question about what that third income contribution would be.
"Bring in a third and all of a sudden you got a triple income household. No. What? What are you bringing in a guy?"
Incorrect
A prediction that the current financial situation is precarious ('fix') and that confidence in the financial standing is low.
"We are looking at fix. How do you feel about that? That must not be great. I wouldn't be very confident."
Pending
The combined minimum monthly payments for all debts, excluding the mortgage, amount to $2,366.17.
"Our debt minimum monthly payments without mortgage is $2,366.17."
Pending
The household's minimum monthly debt payments, excluding the mortgage, total $2,660.
"Our expenses, not including the mortgage, are $2,660 for minimum payments alone."
Pending
A prediction that one party in the relationship has a significant amount of debt.
"I know that they have a lot of debt."
Unrated
A prediction that the combined debt of the household is significant and will be a major factor in their financial planning.
"What's the combined debt? If we're combining, what's the combined debt?"
Pending
One individual in the household is behind on two credit card payments.
"She's behind on uh two payments so far."
Pending
A prediction that selling the current house will result in breaking even or a financial loss after accounting for fees and commissions.
"You guys would break even after fees and commission maybe even lose money so Yes."
Pending
An individual has a student loan balance of $21,169.
"I have a student loan balance of $21,169."
Pending
A prediction that in the current buyer's market, the sellers will likely have to cover realtor commissions, potentially impacting their net proceeds from a sale.
"You're going to have to do probably 6% for, you know, realtor commission on both ends. You know, 3% each. Now, it can be less and now it can be paid by this uh buyer, but we're in a buyer market. So, good luck with that. It's going to be paid by you."
Correct
There is a $10,000 personal loan from Upstart that was used to purchase an RV.
"My other debt is $10,000 with Upstart, which was for an RV."
Correct
A prediction that paying off student loans at a rate of $250 per month will take approximately 10 years.
"The payment's going to be about if you want to get it paid in about 10 years, 250 bucks a month added to your guys' stack."
Pending
An RV was purchased for $25,000, sold for $14,000, resulting in a $11,000 loss, with $10,000 still owed on the loan.
"I bought it for $25,000 and sold it for $14,000, and I still owe $10,000."
Correct
A prediction that the minimum monthly payments for the household are approximately $2,660 and likely closer to $3,000-$4,000, indicating a significant financial strain.
"We're going to go over minimum $2,660 of bull minimum minimum that's what he's asking about that's what he's been asking about not your past mortgage double mortgage your past blah blah blah blah blah last month alone was $2660 of bullum and it's likely closer to like 3 to 4,000. Okay, cuz that's what we usually see."
Pending
There are outstanding debts in collections: $615 for Best Buy and $295 for Verizon.
"I have collections for Best Buy for $615 and Verizon for $295."
Pending
A prediction that if academic pursuits for higher income are unsuccessful, individuals will need to find employment in any available job, including gig economy work like Uber Eats.
"I hope you get accepted to school. Take that turn into a higher paying job. If you do not, you are going and working literally any job that exists. I don't care what it is. They could be driving Uber Eats. They could be doing whatever."
Correct
There is a $5,000 loan owed to a friend for a Nissan Versa Note purchased in 2022.
"I owe my friend $5,000 for a Nissan Versa Note, which I bought from them."
Pending
A prediction that therapy might be beneficial for managing the overwhelming financial situation, given the emotional toll it is taking, and that future financial decisions are at stake.
"I think that first of all, therapy might not be the worst idea. This has come up a couple of times. And after this, like — I was so sick seeing all of this that I had to leave the room. Like, I I I couldn't even be near it. And this is this is my future that we're talking about."
Pending
The car has an engine leak, is valued at approximately $1,500, and is expected to have future issues, making it unlikely to cover the loan amount upon trade-in.
"The car has an engine leak and the value is probably like $1,500. It's already having issues."
Incorrect
A prediction that a loan with a balance of $3,863.86 at a 10% interest rate will be paid off over a significant period, with a minimum monthly payment of $226, implying a long-term repayment plan.
"So $3,863.86 is your minimum monthly payment with an interest rate of 10%. What am I looking at? Uh, that is the loan we got. Uh, Yes."
Correct
A Visa Signature credit card has a balance of $7,023.35 with a minimum monthly payment of $226.
"This Visa Signature card has a balance of $7,023.35 and a minimum payment of $226."
Pending
A prediction that a student loan can be paid off in 10 years with monthly payments of $250.
"The payment's going to be about if you want to get it paid in about 10 years, 250 bucks a month added to your guys' stack."
Pending
A USA Classic checking account has a balance of $3,863.86 with a minimum monthly payment of $16.
"This USA Classic checking account has a balance of $3,863.86 with a minimum monthly payment of $16."
Correct
A prediction that the individual will need to pay off a $10,000 loan for an RV, which was purchased for $25,000 and sold for $14,000, due to financial difficulties following a separation.
"I went from 25,000. Oh, and it was with Why did you stop paying? I couldn't afford this. Was at the same time where all my stuff kind of went into either debt relief or collections when we separated. I couldn't afford it anymore."
Correct
A prediction that the household will need to embrace saying 'no' to spending and that blaming children for financial issues is unfair, as the adults also contribute to poor spending habits.
"We're going to need to start getting real comfortable with the word no. And I I think that it's unfair to blame all of this on the kids here."
Correct
An Alon Financial credit card has a balance of $8,926 with a minimum monthly payment of $446.
"This Alon Financial credit card has a balance of $8,926 with a minimum monthly payment of $446."
Pending
A prediction that the individuals are motivated to improve their financial situation to ensure the stability of their relationship and build a secure future together.
"We want our lives to be better and we want her to not have reasons to walk away from us. We want to build something worthwhile."
Correct
A Prime Visa credit card has a balance of $3,863.86 with a minimum monthly payment of $16.
"This Prime Visa has a balance of $3,863.86 with a minimum monthly payment of $16."
Pending
A Chase credit card has a balance of $3,907.37 with a minimum monthly payment of $226.
"This Chase credit card has a balance of $3,907.37 with a minimum monthly payment of $226."
Pending
A prediction that the household is significantly behind on retirement savings, with a total of $31,000 across two retirement accounts, which is considered inadequate for their age and financial situation.
"We are dramatically behind as a household in retirement. What is this additional Oh, thrift savings. So, this would be you. 6,000 in there, right? So, 15 plus the six. Yeah. So, or 25 plus the six. Yeah."
Pending
Two 401k loans were taken out: one to pay off a credit card and another for a funeral.
"I took out a 401k loan to pay off a credit card, and I had to take out a second one for a funeral."
Correct
A prediction that the household's overall financial score, based on the Hammer Financial assessment, is a low 2 out of 10.
"It's going to be a Hammer financial score just barely rounded up to a two out of 10."
Pending
Student loans have been deferred until next year, with an extension requested. The total balance is $21,169.
"My student loans are deferred until next year, and I requested an extension."
Correct
A prediction that therapy might be beneficial for addressing the overwhelming financial situation and its personal impact, suggesting a need for professional support to manage future financial challenges.
"I think that first of all, therapy might not be the worst idea. This has come up a couple of times. And after this, like — I was so sick seeing all of this that I had to leave the room. Like, I I I couldn't even be near it. And this is this is my future that we're talking about."
Pending
The household's minimum monthly debt payments are $2,600, exacerbated by significant spending on non-essential items like fast food, vending machines, and subscriptions.
"We are blowing $2,600 minimum on bull, with additional spending on fast food, vending machines, and subscriptions."
Pending
A prediction that bankruptcy might be a potential solution for the household's debt, but only after a sustained period of behavioral change, and that the bankruptcy process would likely not involve all three individuals.
"The solution might be once you guys change your behavior for three months, go through bankruptcy and do a clean state slate. I don't love it. It's expensive. It's stressful. And it's weird. Once we get three people involved, it won't be a three person bankruptcy."
Pending
Current spending habits are jeopardizing the children's financial future, potentially leading to them having to support their parents in retirement due to a lack of savings and reduced social security.
"If we continue this spending, my children will not be able to retire and will have to care for us."
Pending
A prediction that the individuals are committed to improving their financial situation to build a secure life together and that it is unfair to involve a new person in their existing financial crisis due to past mismanagement.
"We really want to fix this. This way we can build a a more secure and decent life together. And it's really unfair to bring Ella in on the the disaster that our life has become because I I haven't been doing the right thing. And Alice thought she had it handled and she didn't. And I I never"
Pending
The combined retirement savings of $31,000 are significantly insufficient for the household's age and financial situation.
"We have a total of $31,000 in retirement savings, which is dramatically behind for our age."
Incorrect
The household received a low financial score of 2 out of 10, reflecting poor performance in areas like overspending, debt management, and emergency fund creation.
"Our overall Hammer Financial Score is a 2 out of 10 due to overspending, debt, and lack of emergency savings."
Correct
Selling the current house is not financially advantageous due to minimal equity and market conditions, which would likely result in a loss after selling costs.
"Selling the house now would result in breaking even or losing money after fees and commissions, as there's barely any equity."
Pending
There is a realization of significant financial mismanagement and a lack of oversight, with the current situation being both detrimental and foolish.
"I was under the impression this was getting taken care of, but it clearly hasn't been. It's bad and stupid."
Pending
There is a suggestion to shift financial management responsibilities, with one individual possibly managing all finances and another receiving a stipend, implying a need for a new approach to income and expense management.
"I'm wondering if maybe I should be the one who's dealing with all this and maybe Alice ought to be on a stipend."
Pending
The current financial strategy is not collaborative, and for the household to overcome debt, all members need to be involved and accountable for financial decisions.
"We're not going to get out of this together if it's all about you. You should have been involved."
Pending
Both individuals acknowledge a shared tendency towards impulse purchases of 'sweet treats,' indicating a need for behavioral change to manage spending effectively.
"We are both going to still talk about her. We are both sweet treat vampires."
Unrated
The desire is to create a more stable future together and avoid burdening a new partner with the existing financial problems, highlighting the need for significant financial reform.
"We want to fix this so we can build a more secure and decent life together, and it's unfair to bring Ella into our disaster."
Pending