She Thinks She's The Next Bonnie Blue | Financial Audit

Veronica, a 37-year-old from Las Vegas, Nevada, works in accounting construction, earning $76,000 annually. Her monthly take-home pay averages $4,880. She also harbors aspirations of becoming a professional dominatrix, believing she can earn $10,000 a week, not just from feet pictures, but from a variety of content including underwear, socks, and "fart content." She claims to have a "really nice ass" and has been told so by "many, many, many men," particularly "white guys who just really want to be human wallets." The host challenges her inflated self-worth and unrealistic financial expectations for her online endeavors, pointing out that she is still working in accounting, suggesting her plan isn't working. He rates her as a "four out of ten" in attractiveness, while she confidently rates herself a "seven." He emphasizes that the market is realistic, unlike her self-perception, and her current income from this venture is $0 despite investing in eight different apps, kink equipment, and filming equipment. She justifies this as "investing in her future." Veronica explains her recent divorce, stating she left her ex-husband because he was a "piece of shit" and a "drunk," blaming him for her debt because he "wasn't a partner." She describes moving into his parents' carriage house six months prior, claiming she "didn't really have a choice" as she had nowhere else to go. The host refutes this, highlighting her good income and lack of accountability. She admits to getting a raise this year, but insists she wasn't making good money recently. The conversation delves into her past financial struggles, including being fired from a job six years ago and having to pay her share of household expenses while her ex-husband, earning $55,000 a year, spent most of his income on alcohol and didn't financially assist her. She also revealed she financially supports her 72-year-old mother, paying for her phone and internet. The host questions her accountability, especially given that the period she describes was a strong employment market. She attributes her lack of income during a six-month period to a backlog in unemployment benefits during COVID-19. She confesses to intentionally overspending her money when her ex-boyfriend angered her, stating, "It's my money. I can do whatever the fuck I want with it." This reveals a pattern of retaliatory spending and a lack of financial discipline. Regarding her dominatrix ambitions, she clarifies she prefers in-person interactions to choose clientele and enjoys telling men what to do and getting paid without physical contact. However, she admits to struggling with asking for money and has only one subscriber on her online platform, which she found through TikTok. She hasn't made any money from it and doesn't know how much she's spent on equipment and masterclasses. She also mentions a plan to meet a man from Galveston for "practice sex" for free, as she's "never done the [dominatrix] thing" and struggles with "stage fright." The host criticizes her lack of a business plan, her reliance on "mingling and schmoozing" at BDSM conventions, and her expectation that her sister, who is currently taking care of their mother and going to school for marketing, will help her post content for free. He points out her sister is a "loser" with no job and that Veronica is simply replacing one dependent with another. Veronica reveals she cashed out her Roth IRA, initially intending to roll it into her 401k, but her boyfriend convinced her to use $8,000 of it to fix up her 1998 truck. The truck was later involved in an accident while her sister was driving it, and the insurance claim is still pending since Halloween. She also admits to not filing taxes this year and not knowing how much she owes, planning to "deal with it later." Her current living situation involves living rent-free with her best friend and her husband, but she still managed to spend $6,626 last month, exceeding her income of $4,100, despite not paying rent. She contributes to utility bills ($250/month) and groceries ($300/month). Her car insurance is $372 a month for two vehicles, and her phone bill is $180, covering her and her mom's phones. She has several credit cards with significant debt: * **Southwest Rapid Rewards:** $13,142.28 balance, $423 minimum monthly payment. She has accumulated nearly $4,000 in interest and numerous late fees, totaling over $3,000 last year. * **Quicksilver One:** $8,660.29 balance, past due. She claims it's due to a forgotten auto-pay setup, but records show multiple late fees. * **USAA:** $8,140.96 balance, over the credit limit, $148 minimum monthly payment. She opened this new card despite struggling with others and used it for everything after losing her debit card, including groceries, movies, and paying for her sister's haircut and lunch. * **PayPal Credit:** $8,58.17 balance, over the credit limit, $57 minimum monthly payment. Used for numerous TikTok Shop purchases, including toenail fungus cream and stretch mark cream (Lunavia), which she bought due to insecurities from her ex. * **eBay:** $1,366.38 balance, $49 minimum monthly payment. * **Synchrony (Marshalls):** $299.99 owed, $27 minimum payment. * **Amazon:** $296 balance, $29 minimum payment. She initially kept the balance low but it grew to $1,400 before she paid it down and called them to lower the credit limit to $300. * **Citi Simplicity:** $398.81 balance, $20 minimum monthly payment. * **Wells Fargo:** Oldest card, low balance, mostly paid off, used for Uber Eats. * **Personal Loan:** $10,000, 17% interest, $187 payment every two weeks. She took this out to pay off credit card debt but ended up with double the debt by continuing to spend. * **West Lake (Car Loan):** 2021 Hyundai Kona, $6,544 owed, $474 minimum monthly payment. The car is worth $2,570, indicating significant negative equity. Her total minimum monthly debt payments are $1,947.25. The host also addresses her health, noting her self-proclaimed "very healthy" status despite being morbidly obese. Her blood pressure is 144/87, indicating stage one hypertension. She weighs 243 pounds at 5'6", giving her a BMI of 39.2, classifying her as obesity class 2, just one pound shy of class 3 (morbidly obese). He stresses that her health impacts her ability to work, her expenses, and her longevity to enjoy the fruits of her financial efforts. She admits to having hereditary high cholesterol. Her spending habits include frequent fast food, miscellaneous dopamine hits, and numerous subscriptions. She runs a guild for the Renaissance Festival and teaches sewing classes, both unpaid hobbies. She also claims to have recently stopped drinking coffee, but is still consuming caffeinated energy drinks. The host outlines a budget for her, leaving $1,151.75 remaining monthly after essential expenses. With this, she could pay off her debt in 41 months (3.5 years). He advises strict budgeting, meal prepping, making drinks at home, establishing a six-month emergency fund, and then investing 50% on needs, 25% on fun, and 25% on investing. Her Hammer Financial Score is 0.5 out of 10, reflecting her zero out of ten for spending, emergency fund, retirement, and real estate, and a one out of ten for debt due to high minimum payments, dumb debt, and exceeding credit limits. In a post-show call with her ex-boyfriend, he reveals Veronica's claims about him were largely false. He states she had three DUIs and had been arrested seven times. He admits to becoming an alcoholic due to being with her for 13 miserable years.