Gaslighting. Toxic. B*tch. | Financial Audit
Published: 2025-08-22
Status:
Available
|
Analyzed
Published: 2025-08-22
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 0
Prediction
Topic
Status
The individual is aiming to improve their finances with the goal of purchasing a car with their boyfriend.
"I'm trying to get my finances right because my boyfriend and I want to buy a car."
Pending
The individual clarifies their goal is to buy a house with their boyfriend, correcting a previous statement about a car.
"Boyfriend and I want to buy a car. Sorry. Boyfriend and I want to buy a house."
Pending
The individual's goal is to begin looking for a house within the next year.
"If I get my situated, I'm trying to look for a house next year. That's the goal."
Pending
The individual aims to save $10,000 for a down payment on a house.
"I've had this just like $10,000 is what I'm trying to save to have $10,000 going in."
Pending
A prediction that the individual currently cannot afford to purchase a house.
"What I'm saying is you cannot afford a house."
Pending
Based on current financial situation, homeownership is not feasible for at least 10 years.
"house isn't even in the consideration for minimum 10 years."
Pending
The speaker predicts the individual wants to enter into a mortgage with her boyfriend primarily out of fear of him leaving, using the financial commitment as a way to 'trap' him.
"The relationship with this lady is deeply concerning to me. She confessed to me that she would rather get on a mortgage with you because she's afraid of you leaving and it would be harder for you to leave. She is literally trying to debt trap you."
Pending
To escape her current financial situation, the individual will likely need to work an extremely high number of hours per week, as her minimum debt payments consume her entire income before other essential expenses.
"You're going to have to 60, 70, 80 hours a week to work just to even have this a chance cuz your that minimum payments alone with the cycle you've gotten yourself in is your income."
Pending
The prediction is that the individual will need to wait several years and improve her financial situation before being able to afford a car like a Honda Accord. Current desires for certain vehicles are not financially feasible.
"You can get 100 accord in a few years when you're in a better position. You do not get the luxury of having whatever you want right now. You have to do this. It is not an option. This is just financial sanity."
Pending
The prediction is that the individual is fundamentally untrustworthy with credit cards and should not possess them due to her inability to manage them responsibly.
"You're not a credit card person. You can't be trusted with credit cards. You cannot have a credit card."
Pending
Without a fundamental change in spending behavior, any debt relief efforts like consolidation or balance transfers will be futile, as the individual is predicted to rack up debt again.
"If you do not change your behavior before a consolidation, before paying off with a, you know, a personal loan, or before a balance transfer, you yourself cuz she built it right back up with probably [ __ ] We're being honest. I mean, that's what you've self-confessed this entire conversation. So, it's definitely [ __ ]."
Pending
The individual is currently attempting to improve her credit score, which is at 630, by paying off credit cards.
"I'm trying to raise my credit. I'm trying to pay off my credit cards. I think right now it's at like 630."
Pending
The individual has been stuck in a cycle of using payday loan-like services (Earnin) for approximately two years, starting in 2021 when she first lived independently.
"I would say like officially stuck in the cycle for 2 years. It started in 2021. I lived on my own. Didn't get that much money. You lived at home. You lived outside of home one time in your adult life and you immediately all in. You're telling me you want to get a mortgage? Well, there's a lot less flexibility. You can't break that mortgage and move in with home."
Pending
The individual self-assesses her financial score as a zero out of ten.
"What do you think your financial score is? 0 to 10. Zero being the worst, 10 being the best. What do you think? It's probably a zero."
Pending
The total monthly spending is estimated to be around $17,000, which significantly exceeds her income.
"I'm just going through this. We'll find out. But listen, your earning counts, what you put towards it, what you spend on things, your rent counts. Now, of course, you had Zelen of 1805 and we can talk about that and we can add that. Say, okay, maybe she made like $6,000 total. Gotcha. $6,500. Cool. Still spend 17. So, it still doesn't make sense."
Pending
The individual has incurred nine overdraft fees this year on the Dave app, with a total owed amount of $624.
"You had four last month, nine this year. I don't even know what are you drafts 624 it's what you certainly owe on it."
Pending
The minimum monthly payment for her car loan is $514.82, with 25 payments remaining.
"minimum monthly payment $514.82. Still 25 payments."
Pending
The individual has a Bank of America credit card debt of $7,006.63, which would take 24 years to pay off making only minimum payments.
"This one is at $7,000, $70063. 24 years to pay this one off."
Pending
The Discover card has a balance of $4,723, and $526 in interest has been paid this year alone.
"balance owed on here $4,723. This year alone, you've paid $526 in interest on this."
Pending
The Macy's card has a balance of $2,570.90 with a minimum monthly payment of $896. The speaker expresses concern about the individual's relationship behavior, suggesting manipulation and dishonesty towards her boyfriend.
"She's at $2,57.90 with a minimum monthly payment of $896. I hope you're able to reflect on your behavior in relationship and the way that you are manipulating this man, gaslighting this man, lying to this man, and trying to trap this man."
Pending
The Victoria's Secret card is maxed out, with $56.85 in fees this year and a minimum payment of $40.
"And $56.85 of fees this year. Minimum payment $40. And yes, maxed out."
Pending
The individual took out a $400 Bank of America balance assist loan specifically to cover rent while living with her mother, despite spending significantly more on dining out and other discretionary items.
"This is a a balance assist loan agreement from Bank of America just to pay rent. What rent? Rent with your mom? Yes, that rent. so that you can go out and spend on Victoria's Secret and makeup and dumb which I guarantee you by the way we calculated your miscellaneous spending. Remember we have more to go through. You spent like 2,500 right? Is that what it was? Miscellaneous bull 2,600 going out to eat. 500 and yet you had to borrow 400. No, you spent $500 going out to eat. $500 going out to eat and you're spending $400 to pay rent."
Pending
The individual's car has an estimated trade-in value of $19,773, indicating an equity position.
"this is private sale. Trade in is about 19,773. So, you actually have an equity position in this car."
Pending
Due to her current financial situation, homeownership is not a realistic goal for at least 10 years.
"house isn't even in the consideration for minimum 10 years."
Pending
The speaker predicts that the individual's path to homeownership is at least 10 years away and contingent on either changing her behavior or going through bankruptcy.
"change your behavior going through bankruptcy, but house isn't even in the consideration for minimum 10 years. Sorry."
Pending
The individual admitted she wants to get on a mortgage with her boyfriend primarily due to a fear of him leaving the relationship, as a mortgage would make it harder for him to do so.
"She confessed to me that she would rather get on a mortgage with you because she's afraid of you leaving and it would be harder for you to leave."
Pending
The individual's overall financial score is calculated to be 0.5 out of 10, with specific scores of 0 for spending/budgeting, debt (excluding taxes), emergency fund/savings, and real estate, and a 1 for retirement/life insurance.
"Spending a budget over spend. 0 out of 10. Debt, no collections, but as bad as you can get without actually she owes tax money, which is how much? Uh, it's like 130. Zero out of 10. Emergency fund, nothing in savings, 0 out of 10. Retirement, the life insurance, you're at least you tried to do something. I'll give you a 1 out of 10 there. Real estate, 0. Hammer financial score, round it up to 0.5 out of 10."
Pending