Financial Audit: Doomsday

Freya's felony drug charge at age 18, followed by a failure to complete probation due to smoking weed, permanently mars her record. This history severely limits her job opportunities, confining her to lower-paying positions like warehouse work, and making it difficult to advance or secure remote work.

Freya received a felony charge at 18 for drug possession, served 11 months and 29 days, and failed probation by smoking weed, making the felony permanent. The host states, 'you're never going to get a great I mean, yeah, this is lower. It's going to be harder for you to get places.'

Despite achieving 8 years of sobriety from opiates and 1 year from alcohol, Freya has displaced her addictions onto medical marijuana and vaping. Her monthly spending of $400 on weed and $120 on vapes consumes a significant portion (25%) of her $2,200 net income, hindering her ability to pay off debt or save.

Freya admits to spending 'like 400' dollars a month on weed (with a medical card) and an additional $120 a month on vapes. The host calculates this as 'almost 25% of your income.'

Freya exhibits a consistent pattern of moving in with partners almost immediately after meeting them, becoming financially dependent. This behavior has recurred across her two previous marriages and her current engagement, preventing her from developing true financial independence.

Freya states she moved in with her current fiancé after two dates and that 'he is' paying for everything. The host points out, 'You're continuing this pattern of you find someone. You can't be single... You have to have a man or a partner... And you immediately move in.' She admits to being married twice before, now on her third engagement at 31.

Influenced by her fiancé, Freya has adopted a doomsday prepper mindset, investing time and money into activities like extensive gardening for self-sufficiency and planning for a shipping container bunker. These expenses divert funds from critical financial needs like debt repayment and building an emergency fund.

Freya discusses growing watermelons, peas, cucumbers, broccoli, plums, and peach trees, aiming for 50% homegrown food. She also mentions plans to buy a $2,500 shipping container bunker and a Tesla Model X for doomsday scenarios. The host criticizes this, stating, 'You're prepping for a foreign invader? That's batshit insane.'

Freya carries approximately $18,000 in debt, primarily from medical bills and multiple credit cards that have gone to collections. Her credit score of 546 reflects a history of missed payments and financial mismanagement, making it challenging to secure favorable loans or housing.

Freya has an $1,177 collection from an emergency room visit, and multiple credit cards in collections, including $424 to First National Bank, $1,115 to Capital One, and $5,143 to Sun Coast. Her credit score is 546.