Blowing 200% of her income to maintain mass

He fricked up the audio normalization so his shill sections are 5 times as loud as the rest of the video

Sophia, 23, Dallas TX

Personal Life:

• No college

• Her mentality about money timestamp

  • mentions that she is often a passenger on roommate's motorcycles

Career:

• "Plan Administrator"

  • Company works at post office

  • Sounds like a makework job

  • 20 an hour. 40'000

    • 40 hour weeks

• Her career plans timestamp

  • Sounds like makework job harassing actual workers with dumb regulations

• Was doing safety audits in warehouses previously?

• "Where do you want to be in 5 years?" timestamp

• Also door to door sales for a window cleaning company timestamp

  • Made a single sale since February

Financials:

• "Why are we in so much debt today?" timestamp

  • Claims she moved to arlington then moved back and cost of living there was more expensive

  • Host pushes back, she's spending $800 a just on eating out (rent was $650 at its highest)

• Self-scored financials out of 10 timestamp

  • 2

• Credit Card 1 (Capital One Quicksilver) ($6360) timestamp

  • $209 minimum payment

  • $146 interest accrued

  • $7000 credit limit

  • Made minimum payment and also made $1095 in new transactions

  • "Nice things like nick-knacks"

  • Claims she budgets timestamp

    • Later she gives more details about how she "budgets" timestamp

  • She defends her gas station snacks timestamp

  • "I saw that I could get more points" timestamp

• Shares an account with her parents? timestamp

• "What about my credit" timestamp

  • She's watched his show but somehow doesn't understand anything

• Credit Card 2 ($4879) timestamp

  • $170 minimum payment

  • $175 paid

  • $142 new purchases

  • $121 interest accrued

  • 30.74% interest rate

• Credit Card 3 (Apple) ($4816)

  • $137 minimum payment

  • $87 interest accrued

  • No new purchases

• Car timestamp

  • 2021 Kia Rio

  • 66'000 miles

  • $273 minimum payment

  • $10'195 remaining

  • 72 months remaining

    • She tries to justify why she went with such a long term

  • 6% interest

• Checking Account timestamp

  • $644 in there current "That's bill money, can't touch that"

  • Some discussion about cleaning her car, apparently it's constantly messy and she's spending a lot to clean it?

  • Tons of eating out in her checking

• Fell for the dumbest crypto scam on the planet $40 timestamp

  • Posts thirst traps on twitter and got scammed by a based thirst trap trapper bot

Spending Pie Chart timestamp

• Spends near double what she makes

• 15% housing

• 4% debt payments

• 3.4% phone

  • Financed her phone, $137 a month

  • Mentions she forgot her phone was financed and financed a second phone timestamp

• 18% transport

• 18.4% eating out/snacks

  • Goes through the details of these, there's so much timestamp

• 15% shopping

• 6.6% medical

  • "started therapy recently, also $1'000 of medical debt"

• 7% Misc

• 7.3% "Other Large Purchases"

Hypothetical Budget pie chart timestamp

"I love frogs" timestamp

• "all my frog stuff is still being put up"

• "I buy things like that"

• mentions about frog conventions, wants to include them in her budget