Kween doesn't budget well, doesn't want to cut back.

This woman won't be changing shit, there's no way

Steysha, Nashville TN, 27

Self-rated 7/10

Personal Life:

• Vacationaholic

  • "I actually have two trips coming up but after that I'm done" timestamp

  • Flying to Houston, then New York

• Around 30 minutes in she mentions that she has a daughter timestamp

  • Father mentioned soon after but that's a lot of vacations to be taking with a kid

    • Doesn't live there, has his own house, comes over sometimes?

    • Father pays for most of the groceries?

Career:

• Compliance Analyst

  • Software company

  • 8 months

  • prior did the same thing at a different company

  • 84'000 a year (including 4k guaranteed bonuses)

  • Work from home

• Contributing 6% matched

Debts/Expenses:

• Discussion about her budgeting timestamp

• Car Mazda CX-5 $18'818:

  • Bought in 2021,

  • 46'000 miles

  • Might be down to 17k now

  • 6% interest

  • "I didn't put anything down"

  • 482 minimum payment

• Ally Loan 10'537

  • $152 payment, 10% interest

  • Had to get a new HVAC

    • Didn't price shop

  • Had no emergency fund

• Credit Card (No balances?):

  • Lots of eating out

  • Lots of Vape CBD stuff, about $50 a pop

• Student Loans 34'000

  • All federal

  • South College

    • Degree in Health Science

  • "I haven't paid anything... ever"

    • Graduated post-pandemic

  • She didn't ever think about the minimum payment for it

    • "400? That's a lot" timestamp

• House 123k (deets in savings section)

• Thinks $400 a month in gas

Savings/Retirement:

• 401k for current job

  • 5'000

• Has taken out her 401k multiple times timestamp

  • "I regret it now but..."

  • Did it in both 2020 and 2019

  • Used some of it when she purchased a house

    • IRA lets you withdraw penalty free, 401k does not (Caleb confuses this when talking about it and corrects himself later)

  • House was 130k

    • 45 minutes outside of Nashville

    • Put down 3%

    • Remaining balance on house is at around a 123k balance, refinanced it in 2020

      • Bought it in 2018?

      • Was 6% now 3%

    • $1049 payment on the house

    • Estimate 242k zillow estimate on the price

• Checking

  • didn't catch the balance if it was mentioned

• Savings - $3'012

  • "So I do have an emergency fund timestamp

Budgeting:

• Umm... Can you add a going out to eat budget timestamp