No F*cking Way | Financial Audit

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"So, you're never behind on your bills then is what you're telling me. I've not I'm not going to lie. I've been behind before, but I Not within like a year or two, I feel like. Uh, by the way, it was April. When? Which one? April. But what was I late on? I don't have that data, but that's what you we've established you and the producer. That might that might have been credit one. What do you think behind What do you think qualifies as behind you, dude? Oh, good. We got gel pens, headphones. I like breathing nasal strips. I snore. Yeah. You probably do too. Girl, I'm sorry. I don't think we should do the comparing game. I'm sorry. A hat. A tumbler. Solid color bathrobe. Another tumbler. Another tumbler. Another tumbler. I like cups, too. Wi-Fi. Oh, good. I'm glad that's I'm like, woo. Yippee. You like cups? Yep. Snoring last night, 0%. You do that with your Apple Watch. I do this with Eight Sleep. What's that? They were a sponsor. I I mean, they're not sponsoring this episode, but they are very good for what it's worth. I bought her before they were a sponsor. It's an app. Oh, they are a sponsor. Uh well, no, no, it's like it cools and heats your bed, but it also tracks your stuff. I need that cuz if I if I had the money, if I had the money, It is a high price item, but for those who can afford it, it's pretty sick. I'm not going to lie. Zero pore pads again. Lavender op. Dude, you're just filled with this is just got a cosmetic bag little What is this? Uh cushion cushion woman's lane corkfoot [__] more put on. You love foof foos wearable blankets. Dude, why don't you just Some of that's for my boyfriend. Can you like just act like a normal person for my boyfriend? We got We need a little seat and I need to buy him a gift. His birthday pass and you didn't get him the gift already. Wow. What? I'm glad he's subsidizing you. I already got him new work boots. He's really taken care of. Oh, wow. His favorite sunflower wall hook. He asked for those and I got them. He asked for them. Yeah."

"I had to ask for an extension. No, because when I got in my car accident in August, I was out of work for a few days. This was told to Colton in the green room right before filming this. Well, yeah, because I just asked for the extension yesterday because my payment was about to come up like literally tomorrow. But I'm glad we're getting Door Dash within the last month. I'm glad we're getting CL of La Boooo within this last month. Now we have to call and get our loan extended. Well done. Maturity at its prime. Great. What is the interest rate on this thing? Huh? I don't know. Great. Well, neither do I cuz it's not on here. How do you not know anything? I can look it up if you want. No, I'm going to calculate it. Okay. I asked for like asked I asked for a month extension and and they gave me two. So now I don't have a payment till November. It's a 28% interest rate. 29. Oh, we went to a Pokemon convention, too. Wonderful. Yeah. Well, a couple years. No, last year. All right, this. Oh, she has a payday loan. That's not a payday loan. No, that's pay Oh, it says pay loan. Sorry, I'm going from your existence in front of me. You're right. But the product is called Grow Up. That would be nice. I have that's my Gerber life insurance policy that my mom took out for me when I was young. And I took a loan out from that to try to consolidate my debt."

"I do have the information for my new car loan. Well, we don't have it. No, cuz it I just got it on Monday. It's a 2019 Nissan Rogue. Have we done the value check on that? Uh, let's take a look. Let's take a look. Let's find a 2019 Nissan Rogue. How many miles? Uh, 80. When I got it, it was like 79, but I've put like 500, so like 80,000. 80,000 miles. 2019 Nissan Rogue. Condition pretty good. Mhm. Okay. What do you want? What's the balance? So, the balance is like $18,000. Like 18,000. Okay. What's your minimum monthly payment? 508. What's the interest? 17.6. What the are we doing here? Cuz your credit's death and you had to get a predatory loan if you were going to get a loan on a car? How it goes. Oh, and you got a co-signer from your boyfriend, right? So, he is actually the main like they put him as the main person cuz his credit's a little bit better and I'm the co-borrower, but the car is mine."

"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."

"Spending in a budget. You ever spent zero out of 10 debt? Well, this is as bad as you can get without collections of IRS debt. So, one out of 10. Emergency fund. Well, nothing. Zero out of 10. Retirement. I don't even know. 0 out of 10. Real estate 0 out of 10. It's going to be a hammer financial score. Round it up to a 0.5 out of 10."

"The meal prepping is going to help with that. And I put it in a gym. That's going to help with that. Let's start taking that seriously because I want you to be around, okay? Okay. We got to film follow-ups together, right? So, let's let's stay let's stay on the planet for a good long while. Um, so that's what you got to do. What I would prefer is that you go and just get a better job at a different place. And then we always shop around until you land somewhere that you like that you are getting paid well for. That is the ultimate goal. But you need to bring in a minimum extra,000 where you are now. And you need to split rent utilities and take care of your own food. Sprint utilities is you split down the middle. That'll bring you down to about $2,500 cuz right now you need to bring an extra $1,500, $1,600 in order to have a chance to pay this off in five and a half years. and then fully fun emergency fund a year after that maybe. Okay, so that's where we are."