To watch episodes of Financial Audit a week earlier, check us out on YouTube. That is so dumb! Payday loans to buy drinks for other people. There's other things at the smoke shop. Why? Just why? This is the kind of shit can bring into a relationship. I actually didn't tell him because I'm so embarrassed. Why bull-boh? We don't get to the good place you want to get if we're lying to each other. Just wanted to forget that any of the debt exists. You're not a five-year-old.

Your brain is not literal much. Financial Audit Live in Austin, Texas on February 22nd. Go to Calebhammer.com slash live or check out the link in the description below. Hi, my name is Brooke. I'm 28. I live in Austin, Texas, and this is Financial Audit. Thanks for coming in. What do you do for a living here in Austin? I manage a grocery store. The whole store? Well, yeah. Okay. I know. It's a big one. So like that actually must be a lot of work. Do you get good money for the big amount of work that this is? What do you get paid? I get paid, let's see, about $78,000 a year. That is good. Yeah. People say, we're not saying which one. But people say you can actually make good careers there. Yeah, you can. Yeah. And like you're kind of demonstrating that you can. Yeah. 78,000. Yeah. How do you feel living in Austin? 78,000 is good for, if I'm not, you're pretty, you're 2,000 below. I think the Austin median household income and you're 28 years old, 78,000. Wow, that makes me. So how do you feel living in Austin? It's a little challenging. I'd like to move up north because South Austin is

a little far away from everything. Yeah, North Austin is a little more expensive. But like pay and survival

and stuff. How do you feel? No, I think I do it well for myself. Interesting. Why are you taking out

payday loans every second of your life in order to survive and everything? That's a great question.

I think part of it is to have fun.

Part of it is I'm just kind of ignoring what's going on with my fine.

Why is payday loan equal have fun?

You know, I don't have an answer to that.

Let's see.

Let's try to have some answers.

We're on a podcast.

Well, okay, which payday loan specifically? Because there's a couple different ones. Oh, we'll definitely get into that. I just don't understand because you make good money. I do. Austin is an expensive area. It's the most expensive area in Texas in terms of major city. I don't know that. Really? Yeah, no, I didn't know that. I think it would be Houston. I don't know. No, I mean, you can get specific neighborhoods that are ridiculous,

but in terms of, like, the city,

Austin is the most expensive in Texas, for sure. So it can be harder to live here. It really can. You don't make a bad income, especially for a single person. No, you actually make a good income, and I'm very happy to see it. You've made a great progress in a career before 30.

Why would we be struggling?

And you say you're not struggling, but you don't recognize it for taking out payday loans.

Yes, I think I am definitely struggling.

You said you were doing like, okay. I forgot the exact phrase you used.

Well, okay, okay. The people who exact phrase you used. Well, okay.

Do people who are okay take out paid and loans?

So I do pretty well for myself, but I started way early on.

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