Financial Audit of "Spiritual Coach"

Spiritual Coach - Claims age is 27. That drug dealer a few episodes back had a better head on his shoulders. I'd rather take life advice from him.

"It's hard not to spend"

Credit Cards -

• First credit card two years ago

  • Had no experience with her job, she did not understand that there would be ups and downs in spiritual revenue coaching

  • "It's on my vision board to have all my debts be cleared"

Money:

• Alleged Income:

  • Low: between two and three thousand

  • Average: $6500 (wtf?!)

• 4k currently in checking account (? This is odd)

• $600 in cash right now? Something's off about this because they talk like that checking number doesn't exist later

• Using Acorns as a savings/investment account?

  • $100 or so left, used to be ~$500

• Phone is owned (now) but has a $99 rate for her cell plan, used to be $120 when still paying off phone

• Addicted to spending, lifestyle creep and abused credit card to enable this

• Used to meal prep

  • rationalizes current spending as meal prep taking too long usual platitudes

Credit Card:

• Previous balance - $1846 on a $2000 limit

  • $299 payments

  • $343.67 purchases

  • $41 interest

• Previous balance - $2648, limit not mentioned

  • $53 payments

  • no interest, calls it a "balance transfer card"

• Previous balance - $4845 on a $5000 limit

  • $848.00 payments

  • $848.11 purchases

  • no interest

  • recently opened

• Wants to spend money with CC instead of using her own money? But doesn't pay off the CC

Car Loan

• Toyota Rav 4 2019, (used?)

• Previously had a Camry with two payments left that got stolen, used the insurance for part of the 16k downpayment on this newer one

• 30000 car loan

  • Car loan is $530 a month

  • 7.5% interest

• Got from Capital Motors - XLE Premium

• Caleb claims that the car is worth 30k tops

Taxes - This whole topic is weird

• Friend does her taxes in return for spiritual coaching?

• Claims she paid taxes?

  • Friend paid to do her taxes? A couple hundred?

  • Has someone else do

  • Clearly has not paid her taxes in full with how she's talking

Work:

• Most money coming in under the table

• Works 5 hours a day average

  • This is brought up in a discussion about how little time she has to cook

Credit Score:

• 593, 607 a year ago

• 89% credit card use

• No missed payments

Investments

• $1900 sitting in Robin Hood (down from 2500)

• $1888 in Bitcoin down from $3000

• $440 in something else

Minimum payments on everything including rent totals up to $3551 holy shit