Racist B*tch Has $0.02 To Her Name | Financial Audit
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Delilah, a 22-year-old dog groomer from Dallas, Texas, appears on 'Financial Audit' seeking to improve her finances while simultaneously trying to win back her ex-boyfriend—a man she left after discovering he brought another woman into their apartment the day after she moved out. Her financial situation is chaotic: she earns variable income from grooming, with paychecks ranging from $1,200 to $2,000, but claims to average $3,000 monthly. However, her spending is wildly out of control—she spends $50 weekly on groceries, $75 every two weeks on gas, and regularly dines out, with a $4,000 monthly outflow despite her income. She carries a $2,097.31 credit card balance with a $2,664.94 limit, a $13,831.45 car loan on a 2018 Audi A4 with 100,000+ miles, and a $35,000 debt to her parents from her former mobile grooming business. She tithes 10% of her income, sponsors a child through World Vision, and spends heavily on subscriptions and lifestyle items. The host dismantles her budgeting logic, exposing her reliance on overdraft protection, emotional spending, and a delusional belief that her income is stable. The episode culminates in a harsh assessment: her financial score is a 4/10, she’s trapped in a cycle of debt, and her plan to restart her business with an $80,000 loan is financially reckless. The host urges her to stop chasing her ex and focus on building real financial stability instead.
Your income variability doesn't justify inconsistent budgeting—use your lowest paycheck as your baseline.
Tithing and charity are noble, but they shouldn't come at the expense of paying off high-interest debt.
If you're spending more than you earn, no amount of religious or emotional justification changes the math.
A $13,831 car loan on a $9,500 car with 100,000 miles is a financial red flag—refinance or sell.
You cannot build a business on $80,000 in debt without a solid financial foundation.
…and 3 more takeaways available in PodZeus
The Ex Who Cheated the Day After She Left
“The day after you left he brought another girl into your guys' apartment. She was chopped. You know what this Christian white girl who lives in Texas means when she says she's chopped? It means she's black.”
Income Chaos: Paychecks from $1,200 to $2,000
Delilah claims her income varies wildly—some paychecks are $1,200, others $2,000—but insists she averages $3,000 monthly. The host challenges this, pointing out that without a consistent average, budgeting is impossible. She admits she can't track her actual spending, and her 'budget' is based on a single $2,040 paycheck that doesn't reflect reality.
The Credit Card Trap: $2,097.31 Balance
“You spent way more than you made. Download the DollarWise Budgeting app. It'll automate everything for you...”
The $13,831 Car Loan on a $9,500 Car
“It's at 100,000 miles. Whoa! Why'd you buy this? After you totaled that last car. It was the cheapest car on the lot that I could find.”
The $35,000 Debt to Her Parents
“I'm calling your dad in the post show and I'm going to tell him what you're spending is like today and how you're f***ing.”
“You're not going to be able to pay off your debt, especially with your mindset. You're going to go into more debt in order to open this business and good luck on all that shit.”
“You're not going to be able to pay off your debt, especially with your mindset. You're going to go into more debt in order to open this business and good luck on all that shit.”
“You're not going to be able to pay off your debt, especially with your mindset. You're going to go into more debt in order to open this business and good luck on all that shit.”
Host
Guest
Delilah
person
Caleb Hammer
person
Quicksilver Credit Card
product
DollarWise
product
Santana
person
Brandon
person
Jealous X
person
PDS Debt
product
Y-Refi
product
2018 Audi A4
product
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