Madison, 24, Austin TX
Personal Life/Career:
Fashion/lifestyle brand, part of "philanthropy" team
"Philanthropy Specialist" - "Corporate CRS"
57'000
Thinks her income level is pretty okay
"I have a little debt but it's fine it's not that deep, to me"
"Why did you come on the show?" timestamp
She read comments saying they wanted someone normal and she decided she could be that person
"I feel like I'm one of the best you've had on the show"
"What are you looking to get out of the conversation" timestamp
- Going on a few trips in the future, wants advice on budgeting around those and her other debts
Doing some sidegigs? Never actually explained so I don't think she's actually started any
Financials
68'183 total debt
"Why do you have all this debt?" timestamp
- College expenses
Self-scores a 7/10
Credit Card 1 (Discover) ($3'600) timestamp
$99 minimum payment
$78 interest accrued, she didn't know that this was a thing
She's been throwing just a little above her minimum payment at all her debts?
Tries to explain how interest works to her with a graph timestamp
College card, had it paid off last year, then racked up a balance again "shopping issue"
Credit Card 2 (Amco) (6'486) timestamp
2500 credit remaining
233 minimum payment
Last payment was less than her minimum? "Oh, I might have forgot about that"
How'd that get up to nearly 7'000 dollars? timestamp
Thinks she balance transferred it from the Discover card?
Mostly spendthrift behaviors
How much does she think she spends in a month total? timestamp
- Thinks around 2'000 spent out a month total - actually it was $8'742
Credit Card 3 (Care Credit) (1'647) timestamp
"I've almost paid it off though I feel like timestamp
Was 2600 last year
"I think that's really good"
Brings up dying dog spending to deflect
Medical bill $124
- Forgot to pay it after they sent her the bill in the mail
He forgets her age and calls her 26 while she's defending calling herself above average timestamp
Car (2023 Rav4) () timestamp
9% rate
Didn't catch a total or a minimum payment for this but it started $40'000
- Around a 700 minimum payment?
August 2023
Used to have a Buick Encore, got into a wreck so she needed a new car
- Had gap insurance
She "wanted a new one"
"Mental math is not my strongest"
$193 insurance payment
Student Loans timestamp
Studied Marketing at Texas A&M
Most around 4.5%
"I haven't paid really any of it, I think I've kind just paid 30 bucks maybe 60 bucks on two of them"
Doesn't think she's on deferment, she just isn't paying them
10 year repayment plan
- Actually she might be on income driven repayment
$50 minimum payment? She's past due
Still hoping Biden forgives it
Pushback on why she deserves debt forgiveness timestamp
Extremely wishful thinking
Dreams of marrying into wealth
Got a D in finance, Barely passed Accounting
Personal Loan $183 timestamp
Took this out "a really long time ago"
- July 2022
Claims not to remember what it was for
545 credit score
Spending timestamp
Travel plans timestamp
Going to Europe
To see Taylor Swift in London
around $800 on just the plane ticket
"Already paid for the concert so that's kinda free in my head"
Spending Chart timestamp
Budget Chart timestamp
887 rent
1071 minimum payments
Refuses to sell the car because she likes it timestamp
"Hammer financial score, frick her"
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She should go on a diet audit show too
but she wouldn't be honest or remember what she ate 
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