You’re Going To Hate Her | Financial Audit

"You've never lived through a recession. You don't know what is happening. Like a real deep recession."

"In the healthcare field, we don't get affected by recessions. You've already got a pay decrease."

"Let's say that affects Long Island. Let's say, you know, people are leaving coastal cities. They're moving to places like Tennessee and Texas. That is something that is happening. Okay, let's say that happens and it affects Long Island more. There's less patients. They downsize a hospital. You don't know what can happen."

"private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y refi is here to help."

"With guaranteed interest rates under 6%, they offer a pathway towards lower monthly payments."

"When we got together, combined, we had 30,000 saved. Then we moved in together. Combined? Yeah. How much did he bring? How much did you bring? He brought 10. I brought 20."

"One day it was 50,000 and the next day it was 10."

"You're underwater by $663.59."

"If you make five Yeah, I just did the calculations. Pay $110 a month. Hey, hey, I just did the calculation. Boop boop boop. I did it. If you make 5,800, you can't pay your $6,200 required on a monthly basis. But that hasn't happened yet. Yet. You just lost your body. You just got a demotion. No, I didn't. And take home pay. Yes, you did. Yeah, dude. How do you not realize that if you do not make the money to be I don't give a fuck what you You're going to help me figure it out. Isn't that what you're here for? No. Yeah, I can't just say go go get paid better"

"$46,000 in this retirement account."

"What's the equity position of the house? What's it worth the house? Uh, it's worth 550 now."

"$49,154.86. Minimum monthly payment $3,738.90."

"The Toyota RAV 4. I don't know. Like a commercial. 97. So, you're not terribly underwater. The interest rate's not disgustingly the worst."

"14 years to pay off if you don't actually purchase and make the minimum, but you only know how to purchase. Well, $634. Why wouldn't you purchase on a card that it's at least not acrewing interest? Like, if we're just being like, logical about it, I don't get it. $63.14 of interest is acrewing and then you go and purchase on here. Like, what the what what the fuck are we doing?"

"18 years to pay off your Christian. He'll need you'll want to remodel it by 0% promotion. And if I pay literally interest charging to some things, not the full balance. Okay. Well, interest probably to like $200. I don't care. Interest is charging."

"9 years to pay off. Interest is zero for now. Nine years. Nine years. Oh. To pay off. Not 9 years. Interest free. No. Interest free until all depends on them. Many of them. No. Some start in October. Lady. June 14th. September 14th. I don't see a June, but I do see October. September. Uh, wait. Sorry. October. November. November. November. And then February. February. So that's a lot to pay off by then when they started and that and interest is acrewing like crazy."

"14 years to pay off."

"15 years, which is still insane. You're okay with 25 years cuz look, guess what? You're purchasing on it. You put $500 towards it. That would seem like a great amount of money, but guess what? You purchased $649."

"6 years to pay off."

"8 years to pay off."

"3 years to pay off."

"10 months. No, the interest rate period. It takes four years to pay off."

"It is not a 2-year loan. It is a 4-year loan."

"It is a 4-year loan. Four to five year loan. You think that's okay? That's That's 4 and 1/2 years. I have it being paid back in 2027. So 3 years."

"This takes 3 and 1/2 years from today."

"Consolidated a different one? It was the same time. It was an extra thing. This was the cash that she gifted you and then she took out her credit card cuz she didn't have enough money. But she's enabling her children. What a You are Oh, the way you guys are using your mother is disgusting."

"Your minimum payments, including your mortgage, is $2,886. Okay, mortgage is $3,738.90. I know we will incorporate that additional income here in a second, but what about utilities? How much goes out in total? So, electricity is 254. Internet internet is 80. Car insurance is 438. But no, I'm saying utilities. Oh, sorry. Is there gas? Utility gas like for my house? Yes. Oil. Huh? Oil. But it's okay. How much? I don't know because we only fill it twice a year. It's about 2,000 a year. Okay. So, a thousand. So, 2,000 2. You've you've killed me. What was the electricity again? 254. What was uh the internet? 80. Okay. Utilities. Would you live in the fucking middle of nowhere? That's so weird. Utilities is $5001. Okay. What's your car insurance? 438 gas v from drive drive 180. No, for both. Sorry, I was doing two weeks. 360 phone bill. 360 phone bill. 210, but my mother-in-law pays $40 towards it. Well, great. We've saved so much money. $170. Well, I want to switch, but necessary food $600. 600. Use the cookbook 600. Meal prep 600. Yes, you can do it. Okay. TP fund. Anything else you need? $550. No subscription. Well, sub fine. Whatever. Let's say you have a few subscriptions. $25. How much for the gym? 30."

"So, okay, how much comes in for rent? 1300. Okay, great. So, the entire household income is 7,600. How did you think you were making this? I'm so confused. $8,263.59. You're underwater by $663.59. The only option is he goes gets another job, you go get another job because there is no survival here."

"Bring an extra $1,000 a month net which is definitely sorry. No, no, $1,663 net. If you go and bring that in, that still takes what? Eight Six years to pay off."

"But do not do any kind of debt shortcut until you fix your behavior or we will be having this conversation again in just a year. Yeah. Well, so if you can fix your behavior in 6 months, come back on the follow-up channel and then I will give you permission for consolidation or for or bankruptcy. But until then, you need to fucking grind this and go make that extra money cuz that's it. Spending a budget, you overspend 010."

"Hammer financial score rounded up three out of 10."

"This kid's going to grow up on the streets. That's what we're hoping. What? That'll grow up on the streets."

"How much high interest bad debt do you guys do you think you guys have? 20,000 buddy. It's $7,000. $70,000."