- (gasps)
- Ditch!
- Jeffrey!
- Look, look, you aint gotta be...
- Mmm.
- Look, it's already disrespectful,
you don't have to add to it.
(lively drums)
I'm Jeff.
- I'm Destiny.
- Hi, my name is Sean.
I'm a proud cheapskate.
(both laugh)
- My name is Jojo
and I wanna say I'm kind of a big spender.
- And, today we're gonna be
comparing our spending habits.
(lively drums)
- Oh.
- Oh, so we gonna be throwing shade?
That's what it is.
- I don't know.
I feel like for everyone, food is just a big one.
(Jojo laughs)
I don't eat out as much as other people, but.
- [Producer] This isn't about you.
- I would say, I mean
'cause I see him around all the time,
so I would say clothes.
- Oh.
- He's always dressed like really nice
- Oh, thank you, thank you.
This is actually from my mother's closet.
(both laugh)
- Okay, if I had to guess, I know
all of Jeff's money goes to food,
for a fact,
I just know.
- Don't be like that, first off.
And if it does go to food,
it's macaroni and cheese.
(Destiny laughs)
But, that's beside the point,
gotta be clothes.
It gotta be clothes, whether it's online
or in the store, it gotta be clothes.
I was texting her the other day,
I was like where you at?
"The mall," I didn't need
to ask her where she was at.
(lively drums)
Destiny.
- On all of them?
- Yeah, on the whole thing.
- I mean, I would probably say me.
Just knowing like what I buy,
'cause you know
I don't really see price tags, so.
- Money banks over here, it's for sure Destiny.
- Yeah, I think that I spend the most
on every category there could be.
- I'm also gonna just say give it to her.
Just 'cause, I'm that confident
in how frugal I am.
I wear it like a trophy.
(upbeat music)
- Look, Destiny, all I'm saying is
when I do eat out,
there's green stuff on there, I swear.
- (gasps)
- Ditch!
Jeffrey!
- Look, it's already disrespectful,
you don't have to add to it-
- Jeffrey.
- Look.
- (Exhales loudly)
- Right!
- Jeffrey,
this is disrespectful.
- Look, if you come for me, I'm coming for you.
So, what's good?
- You can, but I have two things.
- All of these have three digits except travel.
- You were offended when I said
you probably spend the least on clothing.
- Look, I spend a decent amount.
- Where is, what, where?
Like, what, what, what...
- I said, on travel, that's travel-
- $350 on clothing.
Show me the Gucci belt.
'Cause obviously you have it.
- Jordans cost a lot.
- Okay. Okay.
That's fair, that's fair that's fair.
- Um...
- I might be adulting kind of wrong here, like...
(laughs)
So for eating out,
50, 60 dollars.
- That's my actual total for last month.
- 27?
(Sean laughs)
- I'm about to just really drag you.
- Honestly? Honestly, if we're going to be real about it,
full transparency.
There was a lot of like dates in there,
it was like 'Oh, we're gonna get drinks." $70.
- Can I share the number?
- Stop it.
No you ain't got to, okay.
- Can I share?
- Proceed.
- If you're uncomfortable,
I won't share it.
- Nah, I mean, it's life.
- This is for a month,
listen, and I am also trash,
so drag us both,
but Jeffrey spent $730 on
eating out in one month.
- See, what had happened was...
- You spent $650 on cosmetics?
- Okay, see, this hair, by itself
was almost like 500.
A little over 500.
You know, then the products that I use.
That's like another 30, 40.
- Wow.
On the other hand, this cost me $25.
- Yeah, I'm looking at that, $25.
- Right there, yeah.
That's actually probably my biggest expense.
- No. What had happened was
I dined out a couple times.
I didn't see a couple friends this month,
so I had to see what's up, like,
"Oh, let's go grab dinner,
let's go grab lunch."
- 700 and...
One, that's 30 days.
You must have had been having
multiple meals a day.
- Yes.
I eat breakfast, lunch, and dinner.
- So there's...
- You don't make any of that?
This isn't...
(Jeffrey interjects)
No, no, no.
This isn't,
"Oh I had Starbucks for breakfast,
I had Chick Fil-A for lunch,
and In-N-Out for dinner."
This is, "We had steak and lobster
all three meals every day of this month."
(laughs)
- Sometimes when you want to take out
a nice lady, you like,
we gotta wine and dine.
Wining and dining,
you don't get that for $50!
You gotta spend a couple dollars!
Look...
- Listen.
- I'm not trying to be no average guy
on the street.
(laughing)
- I'm wining and dining!
- Okay. Okay. Okay.
- Hopefully not like that,
'cause I really can't afford that.
- I see that.
- Fun stuff: you spent five to 10 dollars
for bubble tea and ice cream?
- Yeah. (laughs)
That's really all you need, you know.
Friends are free.
You know, if you have nice friends,
sometimes they'll pay for you,
but you don't always have to
spend money to have fun
with your friends.
You know?
- Uh...
- Oh no.
- That's more than I spent.
- I know you lying.
You got $30 for clothing?
- I don't buy clothes every month like that.
Thank you. Very much.
I don't!
I'm good on my clothing.
Toiletries, I also try to be good on.
As a woman, make-up.
Ladies, you know,
make-up can last for months.
This is not something you have
to buy every month.
- Somehow you spent $30 on clothes,
but somehow you got $200
worth of transportation.
Where are you going?
I'm about to put out all your information,
and tell them where you live at!
(both laugh)
But you live down the street!
- Okay. Mine was, this was a very busy time,
so I was going to different events,
and like, you know me,
I like to be on the scene,
and if you're gonna have a drink or two,
you should not be driving.
So,
- All right, Miss Influencer, I forgot.
- Yes.
- I love how cosmetics is 128.
Toiletries, $10.
(both laugh)
Priorities here.
Toilet paper... Kylie cosmetics.
- Kylie's Lip Kit, right.
- You don't spend any money on clothes?
- I really don't, like,
honestly speaking I haven't
properly updated my wardrobe
since high school.
I think.
- Seriously?
- I think so! I mean, I'll buy like
one or two items during like
a holiday sale.
But that's literally like twice a year.
- He said one or two.
I'm walking out of the store with bags.
(upbeat music)
- Yes! See?
- Hell yeah!
- See? Jeff's budget,
makes me feel a hell of a lot better
about my trash spending.
- See, my own budget makes me wanna cry.
I don't need to see someone else's better budget!
- Most definitely.
- I think this just kind of
confirms that I'm on the right path.
(both laugh)
- This is... the comparison is like...
I don't know where I went wrong
in my life, but like...
- Don't say that. Don't say that.
(laughs)
- I feel like, I don't know,
I guess a regular adult.
I might still be kind of
childish at heart, I guess.
- I still think I need to cut back like,
this is like too much.
But seeing his budget,
I feel so much better about myself.
I feel rich! Now I'm like,
"Well now I'm about to go
Postmates me a meal after this, like."
- No! See, but...
Seeing horrible though don't mean
bad is good.
- It's like if you can do it,
if you can swing it,
I can swing it.
- I thought money banks over here
was spending more than me.
I don't know where this is coming from.
- Wow.
(upbeat music)
- Say no.
To everything.
Like,just say no!
Also, eat before you go out.
- Fact.
- If you're not gonna be drinking,
drive somewhere,
or, this is something I've done before,
if I'm not drinking,
I'll make sure to drive somewhere
close to where I'm going,
and then catch a $3 rideshare
to the location,
but park for free somewhere.
Look at your bank statements
more than once a year,
so you can actually understand,
because a month isn't that long,
but it is when you're swiping your card
five times a day.
- Yeah. Things I learned...
God, don't eat out.
Guys, if you're trying to splurge,
kind of go out,
go get drinks on the first date.
You ain't gotta get dinner!
Pick the spot.
I'm not saying that's all my money's at,
- Okay, thank you.
- But I'm saying that was a thing.
- Or, something else I've done that you,
I think, some advice for you, Jeffrey,
pack a lunch...
- She used my whole name.
You know it's serious.
(laughs)
- Jeffrey, pack a lunch,
Monday through Friday.
Or Monday through Thursday.
Friday, Saturday, treat yourself.
Do you know what it means to pack a lunch?
- All right. First off,
how many times can I have
chicken, steak, or pork chops?
- First of all, you're pack a lunch wrong.
Make a sandwich.
- Ugh.
- Hide your debit card?
- Just know your priorities.
Know what you need to spend money on,
and what you want to spend money on.
Not everything in life is a necessity.
Keep a ledger.
Write down all of your expenses,
(Jojo laughs)
and then, at the end of each month
take time to reflect on
what you spent on,
and going forward,
strategize how you plan on
attacking the next month,
and, at the end of each year,
show your fiscal calendar.
Show all the expenses.
Show all your liabilities.
I was also an accounting major
in college, so...
It's okay, I can help you too.
(lively music)