His Wife Stormed Off Financial Audit
Published: 2025-06-23
Status:
Available
|
Analyzed
Published: 2025-06-23
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 7
Prediction
Topic
Status
Colt plans to open a business and will need to secure a $50,000 loan for it.
"Colt is planning on opening a business thing. You didn't tell me this. I thought I did. No, he'll have to take out a $50,000 loan."
Incorrect
The immigration process for the applicant is expected to take approximately 24 months, with an interview scheduled for the upcoming week and a resolution expected two to three weeks after that.
"Um well the lawyer originally said that like it the allocated time is 24 months. Yeah. But um but it goes a little quicker than that. Yeah. Sometimes depending on like where your paperwork is in the line and you and how long have it been? So we put in the paperwork officially last year was February and we have an interview coming up next week and then two to three weeks after that we'll get"
Pending
The housing market at the time of purchase made it financially sensible to buy, and the house has since appreciated in value, increasing from $190,000.
"the way that the housing market was at the time, it just made sense to get into it now rather than later. This never makes sense again. Look what it's done. The house has gone up from 190."
Correct
Student loan refinancing rates are currently below 6%, which is considered exceptionally low in the current market.
"By the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle."
Incorrect
Some private student loan lenders are charging excessively high interest rates.
"I mean, some lenders want to charge you so much, you swear they were putting your first born on layaway."
Correct
If only minimum payments are made on a credit card without further purchases, it could take 10-12 years, or even up to 21 years, to pay off the debt.
"Hey buddy, how long does this take to pay off if you only make your minimumly payments and you don't purchase on it? Which you can still pull up your phone. That's not an excuse to put it away. If you only make your minimum payments and you do not purchase, of which you are incapable of not purchasing. But how long does it take? Uh, forever. How long does it take, do you think? I mean, it's probably like 10 years, 12 years, 21."
Pending
The car's value is estimated at $8,000, while the outstanding loan amount is $16,468.29, indicating the owner is significantly underwater on the loan.
"You owe $16,46829. It's over $100,000. So it's I'm just miles he's saying. Yeah, cuz he only speaks in half sentences. It uh I'm just going to drive it to the ground. It's There's no way. What's it worth? like probably like four. No, we're seeing about 8,000 probably."
Correct
The interest rate on the car loan is 10.09%.
"What's the interest? It's at a 10.09% interest rate for a car."
Incorrect
The mortgage has a principal balance of $32,000 with an interest rate of 6.375%.
"Yo, $32,000. $5729 at a 6.375% interest rate. Not horrible."
Correct
The minimum monthly payment for the mortgage is $2,195.71.
"And our minimum monthly payment is $2,195.71."
Pending
The individual has had to borrow money to cover mortgage payments once or twice in the past year, particularly when payments fall over weekends or when other bills are due.
"So, it it's the months that like it's over a weekend so it takes longer for it to happen. Uhhuh. Like the the AC transaction takes longer. So other things come in. Yeah. So it's fine. What? I'm confused. What's your issue? Other bills shoot in before. Why aren't you budgeting? If you literally just budget, you're fine."
Pending
A credit card with a 28.99% interest rate was opened about a year ago and has a payoff timeline that seems to be considered 'over'.
"So a 28.99% interest rate. So I assume you open this after the service or in the service. How long has this been open? Uh only like a year. That's over. Matt's out."
Incorrect
A personal loan with a 6-7% interest rate was taken out for wedding expenses, facilitated by the mother's employment at the bank.
"Okay. So, we took out a personal loan at what percent interest? Uh, it was like seven or six because my mom works at that bank."
Pending
The minimum monthly payment for the personal loan taken out for the wedding is $230.51.
"What's your minimum monthly payment on this? Looks like 230.51."
Pending
The individual pays $275 towards a personal loan and an additional $275 to their mother, a strategy that is not aligned with standard debt payoff methods like avalanche or snowball.
"I pay 275. Why? What's your strategy there? It doesn't make any sense. That's not avalanche. That's not snowball. I put money onto the checking account every paycheck and 275 goes to that loan. 275 goes to my mom."
Pending
The individual financed a bed frame, which is considered unnecessary given their income level.
"What is this for? This is for the the bed frame. Oh my [ __ ] you guys. You guys. You animals. You do not make insignificant money. You You absolute tit. You did not make any significant money. You don't need to finance a bed frame."
Pending
A bed frame was financed through a 0% interest offer for two years.
"when we went there I just was looking and they gave me this which was 0% for 2 years. What the one place you went? Great. Smart. Hey, guess what?"
Correct
The individual's debt payoff strategy is described as 'little by little' or 'anti-snowball avalanche,' which involves keeping credit cards above their maximum limit.
"It's the cult little by little, also known as keeping our credit cards above their max. It's the anti- snowball avalanche strategy."
Pending
Colt owes his father $300 for an Xbox purchased for work travel, as he did not have the funds at the time and is making $100 monthly payments towards it.
"Buddy, I'm asking. Can you please ask this? Why did you not have enough money? And why did you have to ask dad for the money? Because I was going to get paid later that week and we were sitting around for a few days waiting. Why haven't you paid it off then? Uh, I'm in progress of that. What's your progress? I see 300 owed. Max is what? 350. I'm send I'm sending 300 or 100 every month."
Correct
Colt's mother paid $5,250 for immigration-related expenses.
"Why do I see debt to mom? $5,250. That was for the immigration stuff. She you had to use your your mama to pay for hering immigration."
Correct
USCIS only accepts money orders for payments, not installment plans, necessitating full payment upfront for immigration processes.
"Well, the damn USCIS takes only money orders. They don't take payments. So, you had to have it all. said it's a payment. You mean payment plans? Is that what you're saying? Yeah. You shouldn't have to. You make money."
Incorrect
A total of $550 ($275 to mother and $275 to the personal loan) is paid from paychecks monthly, with the mother having co-signed the personal loan for the wedding.
"So 275 goes to her. 275 goes to the loan. Did she take out the personal loan for the wedding? She cosigned it. That's why it's so low. Okay. So 275 goes to that and then 275 goes to this. Yes. Okay. So 500 total."
Pending
An additional $1,000 was borrowed from grandmother for repairs.
"Grandma, I see an additional $1,000. What's that for? Uh for some repairs."
Correct
The individual previously had a 25% interest car loan (referred to as 'Sand tender') which they refinanced because they didn't understand how to manage it.
"I originally had Sentender cuz I was a dumb kid who didn't know. You had what? Sand tender. Is that a car? It's a loan. And it's just like Okay. It's like 25%. Yeah. Yeah. Yeah. Yeah. I know what you're talking about. So, I refinanced it to that because I didn't know how to."
Correct
The outstanding car loan balance is significantly higher than the car's actual value, with the owner being 'dramatically underwater' by approximately half.
"Oh, but even still, you're dramatically underwater by half."
Pending
The individual sometimes needs to borrow money to cover mortgage payments due to the timing of other bills and weekend payment processing, suggesting a lack of proper budgeting.
"So, it it's the months that like it's over a weekend so it takes longer for it to happen. Uhhuh. Like the the AC transaction takes longer. So other things come in. Yeah. So it's fine. What? I'm confused. What's your issue? Other bills shoot in before. Why aren't you budgeting? If you literally just budget, you're fine."
Pending
The checking account balance is $26, with numerous recurring charges for Apple, Microsoft, Netflix, Hulu, and PlayStation services.
"checking account any balance. $26. Says Apple bill. Apple bill. Microsoft. Apple bill. Cloaked cloaked. Netflix. Hulu. Apple bill. Apple bill. What a joke. Microsoft Apple bill, PlayStation Apple Bill."
Pending
A significant portion of spending is on subscriptions, and there's a mention of needing a new phone.
"It's mostly just subscriptions. Yeah. No. And that's what I'm looking at for uh just give me your phone. Great. Brand new phone. That's what he needs."
Pending
There are multiple charges for Apple Care Plus, indicating coverage on several devices.
"Oh my gosh. Apple Care Plus, Apple Care Plus, Apple Care Plus, three Apple Care Pluses."
Correct
The speaker's own budgeting app, Dollarwise, has a feature where if an account doesn't connect, it falls back to other methods, a feature not found in other apps. The previous app mentioned was criticized as 'sucks'.
"Quick and Simplified Budgeting App, which you said sucks, so I would just do Dollarise. We switched our payment structure so that if an account doesn't connect, it falls back and there's multiple ways to make an account connect. Other budgeting apps do not have this. We do. We invested the money for it. Dollarwise.com."
Pending
There is a subscription service for recipes named 'Reign me recipes'.
"Reign me recipes. Is that you're paying subscription for recipes?"
Incorrect
The previous checking account has had two overdrafts this year.
"Oh, good. Two overdrafts this year so far on the previous checking account. Who would have thought?"
Pending
There is significant spending on video games, indicated by purchases from Microsoft Store and PlayStation Network, described as 'every second of his life'.
"Microsoft Store. Do Door Dash? He buys video games every second of his life. Amazon. SiriusXM. Who the [ __ ] has that? McDonald's. Serious. What do you mean you keep trying? Call Fox and Hair or email or [ __ ] This is stupid. Stupid stupid stupid. Stupid stupid stupid."
Pending
An ATM withdrawal of $43 was made, with speculation it was for alcohol.
"$56 in this one. Oh, good. ATM withdraw $43. Who knows where the [ __ ] that went? Liquor to drink through the conversations with her. I bet."
Pending
There is a purchase of an Oculus VR headset, alongside other gaming-related expenses.
"Oculus. Oh my gosh. How much gaming? Kim, Sonic Driving, Oculus, Canva, Apple, Amazon Prime."
Correct
Extensive spending occurs on dining out (Kim's, Denny's, McDonald's, Hawaiian Bros, Panda Express, Taco Bell, Chick-fil-A, El Toro, Sonic Drive-In, Uptown Restaurant), Door Dash, Ubering, Amazon purchases, and various subscription services like Apple Bill, Steam Games, Hulu, Netflix, Tractor Supply, and Cloaks.
"Kim, Denny's, Tractor Supply, Amazon, Amazon, McDonald's, Ubering, Ubering, Door Dashing, Uptown Restaurant, Door Dashing, Hawaiian Bros, Russia Stover, Amazon, going in getting some bull, Door Dashing, Panda Express, Sonic Drive-In, Apple Bill, Steam Games, Apple Bill, Door Dash, Hulu, Taco Bell, El Toro, Tractor Supply, Cloaks, Netflix, Apple Bill, Amazon, Apple Bill, Chick-fil-A, Apple Bill, Kim, You have no sympathy for me. Your spending is [ __ ] [ __ ]"
Pending
Colt plans to start a business and will require a $50,000 loan to do so.
"Colt is planning on opening a business thing. You didn't tell me this. I thought I did. No, he'll have to take out a $50,000 loan."
Incorrect