Financial Audit - Dumb Naughty Dancer Blows My Mind

Episode Date: March 11, 2024

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Oh, shut the fuck. You're going to die in poverty. I'm already rich. And that poverty will be, you are not even close to rich. It's not even close. You're going to die in poverty and you're just going to call you living under the bridge being energy. My name is Priscilla. I am 25 years old.

and this is financial audit. So you're an interesting creature. Thank you for noticing me. We've never had someone, a guest on this show that we've had so much trouble with getting documents. I'm just going to call that out of the gate. You just like, we've never had to get someone to come here. We already have people get here like 45 minutes early to go through work and a bunch of stuff and help them. We had you come an hour and 45 minutes early.

so that they could help you pull documents because you didn't even know how to like access your accounts, which makes me very nervous going through your finances. And unlike most people who come on this show, we have a more thorough analysis of their finances done, given that you could literally not give us anything, but you were like, I need help. We were like, okay, well, let's do it. But also, this is going to be impromptu as. Wow, okay. I mean, it was a lot of work for my team, but you can laugh.

To be fair. To be fair, I was still a little late to the early arrangement. Yeah. I was still a little like 20 minutes late to the original Be Here a whole hour early before we start performing today. So I was late to being early late again. So just to throw that out there, I think that initializes some character. And as far as-

Well, initializes some character? I think so. What does that mean? I think that the type of person I am, the type of identity I'm so comfortable with like I show up late and sit up straight. Like if I need help with finances, which is like personally the most boring thing

I could possibly lay my eyes on. If I need help with that. Right. That's what I need help with. I love needing help with things that I find insanely. But why show up late and not be able to like help at any way? Right, right, right.

Like for me, but you're not willing to help yourself get help. So this is me getting help by the way. Like I am. No, I know. I am getting help right now. But the effort you put in. In my opinion, from the maximum of effort for the thing that I have interest in,

makes me the most realest character in my opinion. I can't fake. What is this character thing you're mentioning? Yeah, like for me, it's like the way I do things in the way I... Do you view yourself as like a character in life or something? I actually do. Yeah, that's what I'm getting from your language. I do.

Like, I actually vivid. people are gonna like care like I genuinely care about like my character and the stuff I know awesome why are you talking like an LA girl really am I I I've never been to I've never I've never been to LA never been to LA in my life I'm from the like this small town that probably no one's ever heard of and that's probably where you're hearing like a huge accent from maybe but I've never in my life but yes why were you how are you? How are your finances? Because you weren't able to get... I want to talk... Well, because you said something that was cool to me.

You were like, oh, you know, you needed a lot of help and, like, you didn't put in maximum effort. At least that's what I got for my people here. And I'm just like, kind of like said back a little bit. So it's like, actually, I did put all the help. Like, I did do a lot. And I've... What did you do? I sent over like all the maximum possible paperwork. No, you didn't. You had to get here early and they helped you do it, which we'd never had to do. We filmed like five episodes a week and we never had to do that within our eyes ever. For a person that genuinely doesn't know what the fuck she's doing, genuinely, like I tried, my absolute best. And that is so good for me.

Like, I do things to the maximum of my talents because I am so independent and I am doing so much. And I really gave like my 100% awe to y'all. So that's like mind blowing to here. But you are like bubbly. I am. You are. I am. But I did put like.

So I generally thought like- To be good context, we've been sitting here for a little bit, obviously, as I've essentially said, we've been sitting here for a little bit. You are interesting. I mean. I did not know what to expect walking in here. And you are like, people are going to think you're like, well, I mean, you said the word character, but they're going to think of you as a character like a TV character. You're just like, you're interesting. I am.

Your character. Yeah. My identity, right? Who I am. How was I getting, so where are your finances today? you and that character. Yeah, I mean, my character... The character very much as me,

just so we're like, clear as... I am my character, I am my idea. No, I know, and that's what I was saying. Okay, okay, wait. Because, like, you separated the character in me right now. That was weird. I am the character. I am the character that comes in, sits up late,

comes in, late, sits up straight. How are your finances? That is me. How are your finances? Good. That's your job, Caleb. Show me how my finances are. That's the part I need help with.

That's why I came in here Because I was like I need help with this department And I was actually excited for your team To work with me So I was like maybe they can shed some light On my situation here Because I've been independently financially

Can you give me any context Can you give me any context of your life Like good Death Okay Sorry Sorry Tell me more

I think I want a more specific question maybe I'm just turned Sorry The moment you say that you immediately have this bubbly smile. Should I not smile for you, Caleb? No, no, you just remind me of like a Powerpuff girl or something. I am the most powerful Powerpuff girl you've ever met.

Financial statement. No, I like it. Like, I kind of... Give me some financial advice, Caleb. Come on. It's just like a part of me. I kind of wish, like, I had that brain because you're just like so happy. So you want my brain.

So you're fine. I thought I was the one that didn't care. Come on, financial me. I need help in this department. for real. Okay. You just lost your job, right? Yeah. Okay. Why'd you get fired from? Can I be super honest with y'all? That's what you need to do. I just want to trigger warn all the audience. Trigger warn everybody. Trigger warn. They're not weak. They choose to watch this content. I enjoy people that that find strength and moments like this, right? So anyway, um,

trigger warning. I lost my job, uh, genuinely for like some made up that happened. Um, I've been dancing for a year and dancing genuinely has like saved my life and financially and just like all together grabbing my power back and standing up for that doesn't matter anymore and so losing my job for like no reason at all really give me the reason even if you say it's there was there was no reason I went into work reasons what were the reasons they gave you I went into work and they did not let me access my job they fired me no what did they say you could not work here anymore Look at me. You cannot work here anymore.

Yeah. Did you ask why? It doesn't matter in a place like that. No, did you ask why? No. Okay. And no one ever told you why. So you do not know why.

So you said for the reasons, but you don't know the reasons. There's drama. Okay, tell me the drama. There's people outside. Yeah. Like, I can help you with that. But like, it just sounds so phony. Because it's like the reason that I was given through the manager that fired me was,

was you are you are fired you are fired okay you cannot work her anymore tell me well the way that my brain works to the matter is from you know perhaps the manager there was a woman manager that was new there and you know uh she just she didn't I never spoke to her in my life it feels weird saying this lie but you know I believe that's the woman that was just kind of I guess didn't like me and wanted me gone so you know you said there was drama what was the drama all right I'll get into it with you, Caleb. So at my job, you cannot wear thongs. At my, at my dancing joint, yes, you cannot wear thongs. You have to wear like panties that can, like cover, like actual panties, panties that, you know, not thongs, whatever. So. With that cover more? Cover more.

Yes. Okay, cool. So I'm there one afternoon doing my dancing thing. And the girl manager and the male manager that fires me comes up to me right and um girl manager doesn't talk to me at all and the guy manager's like hey you need to change out your panties and i like kind of laugh at them because i'm like because this was too revealing i didn't know what they meant at that time though because i didn't realize the rules and the severity of citrus i like laugh at them i'm like okay like for real and they're like yeah go change your panties like this is a law like this is really serious like you can get fired i can get fired yeah and i'm like oh yeah so i'm like oh cool like let me go change my panties somewhere in that incident I offended someone and somehow I got fired from that.

What did you say? Come on, you are, you are the ultimate not-a-a-answered person. I genuinely wish I said something else in that moment. What did you say? With this channel growing, my schedule has become busier than ever. So today, I'm excited to talk about Factor, the reason why I still manage to eat healthy meals despite a tight schedule. Factor makes eating clean effortless. And trust me, I need it as you know.

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for every order while you're still an active subscription. Again, that's code Hammer 50 to get 50% off your first factor box when you click the link in the description below. I wish I knew. No, what did you say? Dude, Caleb, I wish I knew. That is the type of life that happens. Like, that is when you don't belong some- You don't remember things?

Dude, that is what it was. That is what happened. I remembered it like it was fucking last night. If you remember, it was last night, then tell me what you said. That is what I did tell you what was said. That's what was said. No, you said, you said, you said, something that people took the wrong way and you got fired for it. Oh, I, I chuckled at them when I was like, what's the big deal about my panties. Ha ha ha ha. That's what like was the big, the big statement

that I said. Well, I mean, that could be very serious though. They could get their business shut down by you not following legal regulation. So it makes sense to you to get fired. Well, you said there's reasons, but that actually makes sense. Now I would have never got a warning. I also don't know that. I also don't know that. I also don't know that industry. So I can't say if they should have given a morning or not. It's an industry I'm interested in. But fun fact, I've never even been to this. That's lame.

Oh, well, actually, my friends and I, we talked about going once a couple years ago just so we could all go one time. Yeah, please go. But also, I envision it being stinky and sticky, and also, I don't get it. But whatever. How does that make you feel, Caleb? Stinky and sticky? Yeah.

I don't like stinky and sticky. You don't? You do? I mean, sometimes occasionally. You are so. what you hurt i think it's something people should experience once in a lifetime for real stinky and sticky yeah if you've never danced on a stage before and got a little stinky and sweaty like on stage and enjoyed life to let your hair down you should really

do it well i'm not listen again i'm not against it i just never gone sounds like you are no i'm just saying i don't know the industry so but with uh with the potential regulations and laws around things it could have put them in a rescue position if you're wearing something that was against the law oh yeah i completely i'm completely like aware. I'm a completely aware person. You said to a fight for a bullshit reason and potentially not is all I'm saying. I just wish. You immediately tried to deflect it on that's what I'm trying to get across. Yeah. Fair statement. Fair statement. I just feel like in that particular moment, the way it made me feel was like I every day I show up into a place and I'm super, super, super happy.

Kind of like how you met me today. Like super happy, super bubbly, super this like whatever type of person. Just really happy kid, you know? And then to get five. 25. I'm a fair to say. I'm like, I hope people see me as a fucking kid still, by the way. But anyways, like, I hope so. Like, is that such a big crime? Like, I know the real, like, a kid dancing with a f*** out. Yeah, that would be a crime. The reality of it is that I do have the adult measurements to take in hand.

But is it okay to have a balance of living out my little kid-ish life? Yeah, why not? Throw it in there. Well, okay. No, no, no. For what it's worth. I mean, I'll embrace a part of that. I love with my friends, when I get with my friends, like, I just go completely immature.

I just let out all the immaturity. and it's fun, it's great. There are certain points in life, like, for example, right now, where just like immaturity is not the best thing because we're trying to deal with your future and trying to also diagnose things based on what you've done. And you immediately, the first thing we talked about,

you deflected, saying that you were fired for some reason and you couldn't answer questions without me just digging, digging, digging. And that makes me very nervous for the future of this conversation, but you sought us out. Yeah, I mean. So we're going to go through things. Okay, so as you know, we have the financial score. So give yourself zero being worst, 10 being the best.

Where do you think your finances lie today? Zero. That's good and honest. If you want your hammer financial score, link in the description below. It's free. Make sure to give this video a like, by the way. It really helps this channel out. You have no idea.

Okay, so zero out of ten. I appreciate the honesty. Now, why do you think it's a zero out of ten? Yeah, I just... I want to stay away from like, oh, I'm just nowhere where I want to be right now, but I mean, I'm just nowhere I want to be right now. Like financially, I have no savings financially. The investments I'm making are really nice, but they all take time and it's kind of like...

What investments are you making? Investments just like into myself, too, for future businesses and stuff like that. Like, for example... I don't know the one of these legitimately. Come on. Yeah, like, that's the route I've been taking. just trying to find the last person who said that tried to cancel me you're going to try to cancel me cancel you what does that mean yeah the last person who's like oh i'm just investing only in myself like are you going to be one of those i don't want you to be like what does cancel me

oh i'm not going to go into that but i'm just saying no i'm not going to do what you did no i'm just i'm just saying that does not align well the fact that i've heard other people who are not great will i say that that's still my current mindset. Will I say that I was in a place where that once was when I invested and I learned lessons? F F F-Fes. Yes. How are you taking care of yourself

today after losing a job, though? Yeah. Thankfully, I just have like my clients just literally taking-clients. Clients from the club, just literally taking care of me. Like, uh... Sugar Daddy is? Like actual clients. Okay, what are you servicing? Uh, my personality. My, um,

attention? My time. Is that not Sugar Daddy's Sugar Baby? Uh, I don't know. I thought Sugar Daddy's you had to like do things with them, like sexually. Again, again, this one's outside of my. Okay, okay, okay. But the, I don't know the correct terminology. So people are paying you to hang out with them.

Donating. And saying it that way is kind of weird, actually. But. Can you move it a little further away from you? Sorry. Yeah. She's very excited. I am.

Uh, right. Okay. Uh, okay. Well, how much do you make a month? How much? So very recently. that's been happening for like a week barely. Like it's not, I just got fired.

Okay, well that's not consistent. And first of all, do you even, do you like it? Does it feel right? Is this something you like? If you, if you like it, I believe consent to be able to do whatever. It's not something I want to like, yeah, I hear you. I appreciate you. It is something that I don't feel bad about, I guess, because it is very.

Do you feel good about it? Do you like this? It's not something that I'm like. And what do people want to take it to that next level, though? Because it's only been one week. Oh, yeah. And there's, yeah, no. It's super like, it's not like, oh,

I just met this new person. No, this is a person that... My people are like people that I've been dancing for for like a year. So what? They have you come over and you dance with them? No, no. We just, you know, go on a date and I casually tell them like, hey, like, this is my circumstances right now. But it's not an actual date.

It's an actual date. No, you meet them so that you get money from them. I mean, I sometimes don't get money from them. Like sometimes I just go on dates just to see like, hey, maybe one day I will, you know, be with you forever. Who knows? Like, I'm single, you know? I might actually... I might actually pick up one of my suitors and like marry them with it.

How old are these people? They all range between like 25 to like 32 maybe. Wow, I just don't picture people that young. Yeah. Doing this. Sorry. Yeah. Really.

Well, this is actually very interesting to me because this is an industry. I don't know. Yeah. Yeah. I feel like the type of personality I am gives very like, I don't know what other word to use, but like it's just a healing energy. I guess I just always assumed rich old people. Yeah.

No, actually none of my clients are rich are old. All struggling together, we are. And they get it. They're like, yeah, let me help her out a little bit as much as I can. And it's just the way it is, you know? Just where I am now. Yeah. So it sounds like you're surviving everything being...

Definitely surviving. Definitely the way it's being. By everything being gifted to you. For now. Your car was gifted to you. Yeah. Your parmint was gifted to you. It was.

You're an influencer and life coach? I am. Who the fuck are you coaching? Dude, I know, right? Yeah, so like everything with me. I mean, you're happy. I'm sure you make other people feel happy, which is good. But, like, you don't seem responsible in the slightest.

Like, should you be coaching people? Is that responsible? Coaching's all about energy. So when you've been through a great deal of energy and you can work with... Been through energy? Yeah, that's totally probably way beyond your radar. Like, no hate or anything. No tear or anything.

You know, it's just you talk about material things and like third dimensional stuff. No, I talk about reality. I talk about reality. Okay. Yeah, yeah, yeah. I talk about like real world. Like the planet we're living on and the things that happen in this planet, like actual reality. Yeah, yeah, yeah, yeah.

It's just like. I just can't believe how many people there are like you out there. It's okay if it makes you happy and stuff. I'm not against that. I just don't like when we use it as justifications to like not actually take care of our lives and have maturity and set ourselves up for success. Yeah. And not act like. There is plans.

You know, there's industry. You want to be in the entertainment industry. So technically, okay. Yeah, I know. I get it. I hope that's. I mean, I could take it on that life road coach because the life road coach is very much so, you know, you said something important to me and you said something about not being responsible.

And may I say, like, I am a student of life coach. So you want to go from Stripper, which is okay. Yeah, yeah, yeah. You no longer want to do that? I love to talk about life coaching and you said something super cool. You were like, dude, you have like, you start. struggle in like your responsibilities and you struggle in and things like that and it's so it's very obvious yeah uh why should you be coaching other it's not why should i coach it's what i that's what's

i i definitely am already like this particular coach like i have to go through the hardships to be able to teach somebody what hardships have you been through i mean i've lived alone since i was 14 really what happened i've had some heavy had some heavy dark cycles why have you been living and a long since 14? 14 years old, I just had a very toxic home and just had to leave at a very young age and started to just financially develop, not even just financially, like life itself was just something I started to learn very well. And I realized like the small bracket I had for financial things.

Where'd you live? Financial things were never an issue with me. I've lived in San Antonio my whole life. No, but like, who'd you live with? I was staying with my mom and my stepfather at the time. In my 13, you said you had to move out. Oh, I was living by myself. Yeah.

San Antonio. Yeah. Okay. Funded by the parents. My mother. Okay. Yeah, yeah. So they put you up somewhere.

It wasn't like you left and you had nowhere to go. It was, so that's different. It was a rough situation. For sure. Okay. Yeah. All right. Well, we have a credit report that we made you pull because you didn't know how to do things.

There's an $8,000 U.S.AA card. Well, $8,000 limit, but you're at $6,052 with a monthly payment of $168. Oh, my, what are you? You've, you've missed one, two, three, four, five payments. Is that a credit card? Yes. Oh, shit. Okay.

Cool. Yeah, that card's not mine It's not my credit card What do you mean? I don't make payments to that credit card What do you mean it's not yours? I mean it's under my name and all But it's like it's under mine and my mother's name Oh, fuck So yeah

Why are you on it? It's one of those things Why are you on it? It's one of those things where It was helping her more than it helped me Yeah, why are you on it? Does she come to you and be like, yo come on this? Yeah, I was just super young It was just like a super young thing. I was still living with her.

So, I don't know, like a teenager. Just like a teenager. So I've never even paid. I've never even used that money. Like, I've never even... Well, I see it go back to 2021 unless it's only reporting four years. Don't know. But yeah, I just know that.

Yeah, I don't know. I don't know that credit card, actually. I pay zero mine to that credit card. But that's not good. This is fucking new, you know? Yeah, like what the fuck? It's also been closed. It's not like I don't have, like, I don't have, like,

the financial aid to take care of that. Well, it's been closed, so she's not spending on it anymore, but we're, like, missing payments. Yeah, it's something she, like knows that I'm upset about and stuff, but, like, what's supposed to do? Like, it's like... You guys have a strained relationship, clearly. Oh, no. Me and her are very wobbly terms.

So, a strained relationship. Oh, sorry, I don't know what straighted in meant. Thought that was like a good... Oh, I thought you meant like a good relationship. It's wobbly relationship, for sure. Just to clarify. So, wow. what are the conversations you guys have had around this card uh she you know promises payments and

stuff and promises to stay on top of it and you know have access to the login or anything what do you mean do you have access to the log in it for the login um i swear it's almost hard to hear you by apologies but um yeah no i i have login to the information i see that account all the time it's on my bank accounts like all of my other like uh checking and savings when i see that I totally am aware of it. I totally know that it's there and exists. Like, it's this, it's there, you know. I plan on eventually taking care of it.

Just I don't have the fucking funds for it now. So. Okay. Yeah. Okay. And with your life coaching, actually, I guess I didn't get your income. How much are we making right now? Life coaching is zero dollars.

That is straight school. What? Yeah. What is straight school? Life coaching is, life coaching is my clients that I have right now. I'm not getting paid for them. They're just like a... What is it called?

How are you surviving? Oh, because of Sugar Daddy's for a week so far. How much were you making from the fucking position? Oh, my God. So my shipping position, I got like maybe like a good 2K on a good night. How many a... How much a week on average? Every week's really different.

On average is what I asked. I mean, I kind of want to say like 2K is kind of where I go. Like if... But you said 2K and a good night. Right. So if I make 2K and one night, then I only work one night. Why? Why not just go make more money?

That doesn't make sense. Why limit yourself to that? I'm a busy person. With what? You're doing nothing? Pursuing like three different schools and three different... Schools you're in school? Yeah.

The quantum coaching, the life coaching that I was talking about. Yeah. I'm in schools. I do other things as hobbies on the side right now. Okay. Let me ask a frank question. Because I talked to you before this, and this is your personality. But now that we're sitting here and a lot of people are going to be confused.

Can't wait. Is this, is this serious, dear? Is this a big fucking joke? Because you're just sitting there, you're like life coaching and all this stuff. This is so serious. I hope that I can get a plan out of this. So that's just your personality. This is just my personality.

You're just, you're like, after everything you say, you're just like. So I'm the type of person that when you go, when you go through things in life, you can't, you're not fazed by stuff. like this. Like, I'm aware, I have awareness of the severity of the situation. I just not going to sit here and stress too much about it. I'd rather just get a plan and then go from there. No, I know, but you acted like it was a joke that you're doing three different kinds of schooling or whatever. It isn't, it's not a joke. It's phenomenal to me. Like, I'm impressed. I'm impressed the fact that I can. What is the school? What is the school? Is it a university? Are they certifications or the code? What the fuck are they? Certifications.

Why don't you get a real certification to like, like, in course careers or something? My goodness. Yeah. I don't know. I feel like maybe you have to check it. out so you can know what I'm talking about. No, because those ones actually lead to income. I'm like what you're doing. We'll see. So what are the different, so okay, what are the, what are the different certifications you're getting? Um, so there's like eight different certificates that I'm getting that. Oh, my life. Okay. What? I mean, I don't, I don't, I don't have like the whole Muslim right now, but it's just like, you're pursuing them. And, and you're not know what you signed up for. So a little different high, like one of them's, um, it's a NLP practitioner. Um, um, um,

It is relationship. What's that NOP? Oh, like, it's like a, with your mind. Oh my gosh. Yeah. What about, what about the mind? Where you work with the mind and you learn how to untrain bad habits and, and you're retraining your subconscious.

This is clinical. Yeah, yeah. Everything is super legit. Everything is super, super, um, I don't know why. I don't trust you. What is it called like a certified? Everything's super certified through it all. Well, it's a certification, but what's it based in?

Like I was trying to tell you like There's life coaching there The main person that it's all under Is caught I'm asking. Oh my kill me I think maybe what you're asking is Ashley Gordon Which is like the main headquarter The main person

Nobody knows what that means So I just need you to tell me Yeah What is it based in? What science is it based in or for a lot? Like what? Yeah it's like it's like I mean it's it's quantum coaching

That's what it's called Like a lot of people actually That did not answer my question good. Please. Please answer a question. Please answer a question. Yeah.

What is it based on? Is it what, like, is it what form of psychology is it based on? Is it spiritual? Is it what is it? Okay, well that's, it's like spiritual stuff. But that, okay, yes, some people might be able to get some help. But like, you talked about it being, coming from a place of science and it's not.

It's spiritual. Okay. That could be dangerous to market. Okay. That's just like, because people like need actual help that real qualified people. Yeah. Would be needed in that situation and they could get,

their life could be harmed. I mean, going to people that are not based in reality. Well, first, that's why it's like not qualified coach just yet, right? So have like a whole year of schooling. But I will say that the type of clients I would be helping would be people that.

are needing that help. You know, my audience went to the audience that are like, yeah, yeah, yeah. I'm done. I'm done. That's so, I don't. Okay, cool. I don't care. Good. Good, good, good. This is. It's your jam. Cool, cool, cool. It's not your jam. Cool. Well, reality is my jam. But either way. Cool. Everyone has different realities. No. Okay. That's cool, too.

But that's not true. We all. It's your perspective. Sure, there's different perspectives. We all live in the same reality. We all live in the same economic system here in the United States. You need to do certain things in order to be successful in our current economic system. Your perspective differs from your reality. Your reality differs from your perspective. Your reality looks different than mine. So I would hope your reality is much different than my reality is all I'm saying.

I want that. Do you mean more experience? No. I mean the way you see your reality is different than mine. I tried to give you an out to make you seem logical. You didn't take it. Okay. Hmm.

Okay. Potatoes. Your friendly neighborhood finance daddy has some exciting, limited time St. Patty's Day, crack for you. But only if you're not acting the maggot. Okay, so my Irish accent isn't great, so I'll stop that for the rest of this spot now. We always talk about how important retirement savings are here, but remember, it's not luck, it's basic math. And if you want to get there, you need to make sure your black stuff, also known as Guinness,

fits in your 50, 30, 20. But if none of these are for you, that's okay. You can still kiss me. I have an emergency fund. Now, fuck off! Why have we not tried to get another dancing job if we like that? While wearing the proper... Tennyson.

...that's exactly how I feel. Maybe. You know, maybe. Which is because you're making nothing right now. A week of Sugar Daddy, longevity, I'm not sure. I feel so like... I don't like that we call it Sugar Daddy, if I'm being honest. I don't see... Give me another word to use and I'll use it.

It genuinely feels like... Like help. Clients help. That's what it feels like. Like clients. Yeah, but you're servicing by going and hanging out with them. Not necessarily.

Like they're genuinely like friends to me. Okay, fine, fine, fine. For real. I mean that. I like have a lot of honor. Okay. Donations. Okay, fine.

That's how you're making money for a week. That does not scream longevity. So. So other than getting 10 certifications, have you considered applying to different clubs, I guess? I mean, yeah, it's crossed my mind. I don't plan on doing it just yet. I'm really hoping I don't have to do that entertainment anymore.

I'm really hoping. Well, if you don't want to, I don't want you to because that's obviously puts that's different. Yeah. If you're working at McDonald's drug, I just don't want to work at McDonald's Newark because it's too hard. I'm like, grow the, but this is like, this is like, okay, I'm going to take a assumption here.

Okay. I assume you were naked on stage. What is it called? Like the Panny and Brawl. Okay. Well, even still, that is very revealing. That is a much more. more sensitive thing and if that's something you do not feel comfortable with and do not want to do

that is completely different than not wanting to work a service job so i'm just like so i support you not what is it then no i just think your perspective's adorable on dancers but no uh no i'm also trying to be innocent because everyone's sensitive it's it's just quite adorable to me and thank you for including my sensitivity no so yeah no it's like more it's more like empowering it's not very like i'm f f***ed right now and i'm uncomfortable with this no it's like i wish i can be bare naked all the fucking time and people just like respect that so much that they give me money because like I'm just that fucking bitch. Like they're like, damn.

I wish I can go to H.E.B., but naked and they'd be like, here's free food. And I'm like, yeah, thank you. I've done my service today. Thank you. This feels right. This feels right. This feels very much not Caleb reality and I'm glad. You know what I mean?

This feels very much like my reality. I have nothing against nudity? I don't think you do. You're great at protecting your data. But lots of places could still expose you to identity theft. I thought it was safe. If that happens, LifeLock gives you a U.S.-based restoration agent who will stick by your side from start to finish. Phone calls, filing documentation, preparing insurance claims, your agent handles it all.

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Yeah. That would be the real problem. We'd have a whole other show. Yeah. No, it's just like for me, energy matters. The way I focus on something. You didn't answer my question. Oh.

I said you went down a tangent of boobies. And I'm just like, answer my question. Okay. Let's do it again. Why don't you want to do it again? Because you said it wasn't because of those sensitivities. I just want to try something new. So you want to try something new?

Okay. I just want to do something different. I'm concerned of your lack of income. I'm not. Why? I mean, I know it's going to come. It's not how that works. Maybe for you.

It's not how it works for anyone. I mean, I've survived. You don't just know it's going to come. I'm in. I'm making it. Yes, for a week. I mean, since I was 14 years old. Yeah, but are you making it because everything's just going to, like,

You're not making, you're not making, you're not making it. People, people confused that being in debt as making it. Yeah. I think there's, uh, some like, you have a car and it's a Honda accord. Yeah. How many miles? What year? Uh, I don't know how many miles on that thing.

Um, it's, I think it's a 20, 20, 2014. I think we're going to have to have Noah come in here. Uh, it's 2014. Something. Because again, you did not know how to access a single financial document in the history of your life. Are these two separate things? This is in her grandfather's name.

So he's paying, you're not. No, I'm paying it. You're paying to him? No, I'm paying to the Carmax. It's under his name. Are these separate? Are these two separate things? Up here and down there.

So is this thing you borrowed $18,220 and what's remaining is $5,843? You would understand it more than I, but I do know that my remainder balance is that $5,000. This is so out of context. Oh, okay, then, yes, that's what it would be. What's the year and how many miles on the car? Yes. Year, I think it's a 2014 miles. I don't know.

Can we just like make up a number on miles? Does it really matter? Yes. Yeah, I don't know. It does. I really don't know. Okay, you owe $5,8,8.45% interest rate with a minimum monthly payment of $3.30. Have you ever missed the payment?

Oh, God, no. Good. Yeah. Yeah, the stuff that's mine I pay for, you know? you smile enough for the both of us for like the rest of my life yeah she feels so you feel so stressed out you know i'm yeah i'm yeah i'm gonna stress this friend are you kidding me yeah this is insane i don't i don't know how to navigate this conversation like genuinely like like yeah i want to plan i hope there's a plan i hope we get a plan out of dude i hope so too but this is like it's like

it's like legitimately hard like i don't think people realize out there like how actually hard this is right now this isn't like it's not it's not it's not it's not it's not it's numbers. I was surprised when you were into the number thing too, to be honest. It was like actually happening right now to me. Okay. You can do it. It's like a Easter egg hunt. $12,000 bed and couch. Your ex-boyfriend is currently paying off the couch? He is. Hopefully it's already like being paid like hopefully paid off. Is your name on it? It is. Unfortunately. It's a yucky situation.

How much is owed? in total for the bed? The bed, we put 1,200. No, how much do you owe currently for the bed, dude? Yeah, it's like $1,200. Okay. No. You're paying $100 a month?

Yes. And we're just hoping the boyfriend's paying off the other. We're hoping. Ex-boyfriend. Yeah, haven't had any flags just yet. Any what? Like, people telling me and hasn't been paid for. Did you guys end on good terms?

Oh, no, we did. Yeah, we're great friends. Yeah, we're cool. Perfect, okay. Yeah, yeah, yeah. That makes this much easier. Yeah, yeah, yeah, yeah, no. Super great friends.

Oh gosh Thank you Caleb Thank you Caleb for dealing with me And then you're also trying to model So you have a modeling So you did one of those like pre-signups Where they take care of some stuff And now you owe them $2,000

Dude yes that actually I'm I hate those predatory Yeah that's my stuff Yeah that's actually is eating my ass Yeah you can yell at me No that's what they We can be fucking We can be fucking frustrated together on that one

because you fucking got me, okay? You didn't allow me to make my absolutely hilarious and inappropriate joke. And I'm a, you know, I don't really know modeling, so I can't say if they're good or not. No, no, no, no, you look great. You look great. I just don't know how to say if something's good or not.

I think this picture in particularly, I'm like, that's a good picture. That's a good picture of just you in general. Yeah, yeah, yeah, yeah, yeah. I like it. It's a lot of fun. But Brandon are one of our editors. He's the one that does photography,

so I really, I don't know what counts as good as not or not. That's so cool. And I don't know how to make money off of this either. Yeah, it's kind of where I'm at. I'm like, I know I'm awesome. So let's like make this awesome. All right.

Okay. Once you've entered the same. Okay. Is there a monthly payment or do you just owe $2,000? I just owe $2,000. Okay. How many pictures? Was this all the pictures?

So it was only that and you owe $2,000 for that? Yeah. So it's like a whole platform. They're like always sitting my information out to agencies and stuff. Like, I knew it was going to be one of those. Yeah. Oh my gosh.

What's golden age? Alchemy a cat. This is a fucking ruin scape. Like, this is like real life. What are you doing alchemy? What are you? What are you? Yeah, that's dangerous.

Yeah, I love that. What is? Oh, no. Are you going to like cast something on it? What the fuck? No, alchemy is just an innocent word to heal yourself. You're just healing.

You're just healing yourself. That's all. Oh, my gosh. A lot of like meditation. You're a lot of like meditation. You're a lot. You're a. stealing their

wallets with 9,440 9,444. Dude, it actually has been an amazing investment. That's been an amazing investment. Is that correct? 9,000,

444. 9,000? That's 444. Okay. See, the 4,000. Yeah, yeah, yeah. 4,000.

That's why I'm asking. 4,000. You don't know how to answer questions. Okay. Yes. My gosh. I don't even know what to think of you. I'm sure.

Dude, I'm sure you're like an actual, like, joy to be around outside of a conversation like this. But this is, this is, hard man this is one of the hardest conversations we've ever had to go through on this show oh

it's because you're just impossible somehow i don't know how to explain it i think i like that's cool how's that cool i thought you said you wanted to get help you came here you reached out to get help so how's that cool how's that cool fuck you sorry no not not to the point to where i want you to be stressed out but for me like my innocent curiosity is like i wonder if there is anyone that can help me here. Like, I don't, I hope it wouldn't be. Is this a monthly payment? Is this a monthly payment? Or is that what you owe right? Oh, yeah. That is actually, that is actually my, uh, total amount of. Is there a monthly payment? Oh, a monthly payment for that is $700. Oh. Yeah. What are you? So actually, I love that payment. That is, I will spend $700 every month on that. Like, I would rather live in a box. Like, that is how, you'd rather live in a box? You're

going to. You're going to. You make no money and you have a seven-hour game to Alchemy. You're going to be in a box under a bridge. You're going to live under the South Congress Bridge with the bats. Oh, poor Caleb. I need to stress you out. I hate to stress you out like that. Dude, this impacts an hour and a half of my time.

This impacts your entire life. So, fuck me. I don't matter in this. The fact that you, again, it's just your personality. So I'm not, I'm assuming you're not just being a dismissive. So, but the fact that, um, I, I'm, I don't know. I just, I see this. And I see this is a pleasant person. And this person's entire future is going to be f***ed. Because they just have a lack of maturity and understanding. And this is, it's, it's, it's, it's, it's, it's, it's, it's off.

Like the way I handle the, uh, the way I handle it may be perceived as naive or unaware or childish. But in reality, I don't see much point of stressing about something that I'm aware of stress. I don't want to accumulate more stress. Like I said, I'd rather just... I'm saying you have to be stressed, but being acknowledging that something's bad in reality is the situation. I've known about this for a while.

Yes, but you're doing nothing about it and you're not taking it seriously. And it is not a joke. I know, you're not laughing because of that. It's super serious. Okay, quantum coaching, quantum coaching. Going to the... This isn't Ant-Man quantum man.

Quantumania. Like, what are we? Quantum coaching. Yeah. Where we're going? Yeah, it's not something for everyone, for sure. Same with the alchemy thing. It's not for everyone. Yeah, but you're paying for all of this.

Why not just see if it's a proven market that you can be successful in before. Yeah. Let me sign up for this. Let me sign up for this. What's the monthly on this? Fair, yes. What's the monthly on this? Oh, on the quantum coaching?

Are you talking about the quantum coaching now? Are you talking about the quantum coaching now? Some of the people out there, some of the people out there that are weird and don't know how to comprehend any basic reality. are going to think that I am raising my voice at you because you're a woman. I am raising my voice at you because you do not know how to answer a single question. I enjoy getting this anger out of you, actually. I don't know why. I actually enjoy seeing you like this.

I'm not too sure why. I hope that doesn't offend you. This is your king? Because it's not mine. I don't know why. I don't know why. I don't know why. What is the monthly payment, dude?

Is it the quantum coaching? Oh, yes, it is. Good. $300. So $1,000 hours for coaching so far A month A month

A month Then you make 2,000 hours a month Is what you said you did College College Wait, what is all this stuff This is so much more Yeah

Oh just please stop smiling Just for me Just so I can think you're being Just because I Regardless if it's your personality It's starting to piss me off It's more stuff Stop

I know what did you try to do what was vista college um i think that's the 1300 one yes what was it oh that's uh that's my um community colleges i got associate's degree from i got like fine fine fine arts and science just like really lame stuff oh it's lame about science and family it's just not my tea party it's just not my tea party i don't like it you smile after everything you say it's so unique and so i just generally don't like it i like to do my tea party i don't like it i like to do more stuff that's a little bit more entertaining. Kind of like how you're talking to me right now.

It's certainly entertaining to me. I like it. Maybe what? That's why. It's just a perspective. Maybe that's why we've been successful so far. But I will suffer every day for it. Yeah.

Is there a minimum monthly payment for this? No payment on that one. AT&T, you owe them money? I know. I'm not paying them. Why? You signed the bill. Why not?

Be a mature adult. You're 25. You're so funny. No, I am. We're currently trying to dispute that. there. What is it for? So they basically conned me into getting a cell phone that I didn't need to buy. Yeah. Like it's a show. It is actually a f***o. Like they and they know, condo. What do you mean? It's such a circus. It sucks a circus. I can explain. So I go to an AT&T store, right? Let me explain.

I go to an AT&T store. I have my own phone and I want to purchase a phone line with them. Right. I'm like, hey, can I pay this phone line with y'all? I need a phone line. I have my own phone. It's already paid. I bought my own phone into the store. I need a line to actually use the phone and activate it. Right. So I go in there. I activated. I buy the line. They're like, oh, this is only going to be 40 bucks a month. Well, the first payment comes around and they charge me for a whole new phone and the line. That's where that $300 comes up. And I'm like, hey, that's not even true. That's not even what happened. They are aware that that is, that they are doing that. And it's currently, I currently sent out, I think it's got a dispute. Currently sent some type of paperwork.

The dispute with who? The credit agencies? Is it in collections? Probably yes. Like I actually did this. Oh, I doubt you're going to win that. Yeah. I hope I'm not paying that.

I hope I'm not paying that. What is the spring 2024? Are we in spring? We already talked about that. That's the 1300, the science thing that I don't want to pursue because it's, you know, not my thing. Wait, wait, wait, wait, wait. Wait, wait, would you owe it, though?

right? Uh, sure, yeah. I don't think I have it down in my total debts. That's a debt that you owe, though. Yeah, I technically do. I'm also trying to- The first one I wrote down was a $6,000 visa. So let me explain, let me explain. So that payment, I usually get my school paid for it through a scholarship, but because my, yeah. Long story short, I usually get this bill paid for that you're seeing in there. I usually get that paid for naturally through my scholarship. But I selected classes. For what? Are you in college or no? It's a veteran benefit thing. Ex-veteran, my mom's married to a veteran, so I get benefits through him. Long story short, I get my school paid for. What school are you in right now besides all the... That one that you're particularly talking about, it's called Vista. It's like a community college. Why don't you focus in on one thing and just trying to make it successful instead of like...

I can't. I like doing multiple things. Yeah, and then you're never going to be successful in any of them because you don't focus up. We'll see. We'll see. We'll see to be continued. If only there is an example of three episodes a week on this show of people. I know, I should come back.

You should follow the example. That's why this is more educational for the audience than it is you, because my goodness, if you know anyone like this, please just send this to them. Like this. Like, I'm not sorry, that sounded insulting, but it's just like. I mean, I'm good. I know. It's more of a, you're not an individual, special little super unique thing compared to everyone else and every single person that. that I've talked to that,

I've had the same mindset of you has not been successful so far in trying all these variety of things. We know that people that are most successful narrow in on the thing they're trying to do the best, become as educated and skilled in that as they possibly can and then pursue it to their fullest ability. Okay.

I do that with like three different things. All right, it's going to complain about this episode. Let me tell you. And then you have a cash-up account. Oh, God. Cash-up. No, I love Cash-Up so much. I'm so glad for its existence.

It's just so great. I really do love cash up. All right. I do. Who the fuck John? Who the f***es John? You give them money all the time. Oh, are these are the people that are paying you?

Oh, yeah. Oh, great. So that's why it's just a bunch of dude names. Yeah, I was like, I don't know. One of them is Jesus. Aw. See, I told you, taking care of, bro. Taken care of.

Mad confirmation. See? Big J gave you $50. I don't know how you're. How long you'll be able to survive on that? Man, big jig. I'd be more grateful. In a USAA account.

McDonald's. Mm. Yes. Yes, dude. Ross stores. Coldenage Canada is. It's more expensive than you said. It's $7.59 a month.

I hate numbers. Hate numbers. Spotify. DoorDash. DoorDash, you're not making any money. You don't have a fucking. job. There's more McD's. It's needed. Sometimes. It's just need it. Self care.

Oh my gosh. For real, though. It's for real. It's needed. McDonald's? Oh, no, not McDonald's. That's. That's terrible. You can say that's terrible. DoorDash. DoorDash, Bigdollals, terrible. Bad mistake. What was needed? Nothing. That's wrong. Yeah, I thought we were talking about. Where am I? I didn't really. We're still on the McDonald's thing.

Just shut up for a second, please. Like, actually. Kill me. Mama Margie, Sonic Drive-in. Aidian style, H&M, Clares, so I'm getting some, let me see your nails. Was that really worth $100? I don't know.

I don't pay for anything. I never see it as me paying for it. It's weird like that. It's weird seeing it that way. I never pay for anything. I mean, yeah, it did. Money's just energy. It's not like a big thing to me.

Oh, shut the fuck. You're going to die in poverty. I mean, that's just what I feel like. You're going to die in poverty. I'm already rich. And that poverty will be, you are not even close to rich. It's not even close.

You're going to die in poverty and you're just going to call you living under the bridge being energy. It's just a mindset. Shut the thing's a reflection. McDonald's? Everything's reflection. Oh, my goodness. Apple bill. Apple bill.

Jim, that's okay. That's good. You're going to need it because that's the only place you'll be able to bathe in the future. DoorDash, Netflix. I think that's a cute statement. I'm just saying, come on. It's a cute statement. You don't actually believe that, do you?

Dude, I don't know. In reality? Well, let's be real world for a second. This is going to be insulting. People are going to find it insulting, but this whole conversation's been out of whack and personal. You're making money from these dudes right now because you're attractive. You're objectively attractive.

What happens when you age out of what people consider they like? And then all of a sudden you're not making any money because you haven't pursued any career and you're just going to debt further and further and further and further and further and further and further and further. Then yes, I do believe at that point that unless you have people to lean on like family or a significant other or something like that, I think you are going to be financially. which could land someone in a hound house situation.

It's happened plenty of times in this country. So I do not hope that happens to you, but just being real world of how you're getting just your little bit of money right now? No, I think it could. It is a possibility. Don't want it. It's a possibility.

Especially when your door dashing McDonald's instead of paying off debt. Great. Fantastic. Yeah, that's hilarious. It's because like... What is this? What is this? Manifesting without.

you pay $305? That's my school. It's my school. It's my school. I feel like you need some of these classes that I do. People really don't like it when I end the conversation without making a budget, but I don't want to continue this. I feel like you can benefit off of it.

Shut the shut. I really do. Shut! But for them, I am considering, I'm still going through with this. Life insurance. You're paying life insurance? Who's the pen and I'm so weird?

on you. Why do you need life insurance? It's for... Life insurance is not a bad thing, but I don't get why you're paying it to it. I have nieces and nephews, you know. Just want to make sure that... Do they have parents? Yes, they do, but are they... Do they have life insurance? It's complicated. No, they don't.

It's complicated. All right, whatever. Adrian style, liquor, water burger. Great. Hmm. I need to do more of that. The peg. Let question mark as, be honest. I don't know what this is, but it's just... I don't know what they either. You're just spending money on...

When there's debt to pay off, you don't have a job. You don't have a career path. You don't even know what you want to do because you're pursuing like 50,000 different things. Fair. You can't, we don't know how much money is coming in because we don't. We don't. We really don't. So how can I make you a budget if I don't know how much is coming in? I would really love to have.

Do you pay your own rent? Yeah. How much is it? $1,400. Oh my. No wonder you're in debt. $1,400 rent and your minimum monthly payments just on the schools alone are $1,000. But you said you only bring in $2,000 a month with the street.

before. No, it was a week. Yeah. Oh, oh, thank goodness. Okay. I was so, I have like, I'm like very like, like, like, maybe not in this paperwork. I don't look very good. You don't have any savings. You don't have anything invested. So, dude, no, it's bad. I don't have anything like banking-wise savings. Like anything like real savings, like a real like investment. What if those savings exist? I don't know what they're called like stocks and stuff. Like I would like to get in. Yeah, I want to like get into it. No, no. Do you have those? Oh, no. No. No, in my, I don't. That's what I want to get into, though. Like, I need a person that's like, when you're ready, I'll get you, like, connected with different things.

I know that that's going to happen. I buy some stocks in Mumu. It's fun, but you are not even close. You are not even close to that. We'll see. Yeah, we'll see. But you're not. Yeah, yeah, yeah.

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I always want my money to be making more money, so don't lose money on yours. I'm not even going to go over your spending because who knows, it's probably not even accurate. Yeah, I want like a plan. Hopefully I can have some type of plan. I don't know how to. Like a goal. Shut! I don't know how to make a plan for you.

Oh. I'm sorry, I'm being rude. I'm losing it. I thought you were the number guy. That's, I thought you were, I thought, yeah,

but you don't have numbers to give me because you're not bringing in money. So I don't create a plan without that baseline. What if we distract money and just like worry about a plan, like a goal number that I could hit? Like,

you know what I mean? Like every month have like, this is the goal number to hit. So what you need to get? Okay, fine. Yeah, yeah,

yeah, sure. I got you. Thank you. That would help me a lot. Okay. That would really help me a lot. Well,

if that's what you would walk away with as help. Yes. Give me your rent again, one more time. So I have like $1,400 in rent. Water and electric and gas. This is like $70. Internet? $50.

Render's insurance? Like $100. No. It's with my car. Has my car tagged to that. An insurance with my car. That's actually not bad. Yeah, it's actually not bad.

How much and gas on a monthly basis? Do you even know? Probably not. Let's just do like 60 bucks. 30 bucks to fill up the tank. Do that twice. You don't know. Is that how often you fill up your tank?

Twice, yeah. Most of my stuff's from home. I have $134 from this last month. Oh, nice. That's what I said. You said 60. 60. I think that's good.

I think 130 bucks is a really good. Like, I think that's not that bad. $130. Yeah, I don't think that's very bad at all. I don't think that's very bad at all. I don't. I do not I don't know what to think about you

I think like $500 would be way different Then I'd be like yeah I was way off But 100 bucks 50 bucks whatever That's not a big difference I've never met anyone like you No Here I am You're delusional

You have to play a little bit of it actually Yeah I take a little pride into just being a little bit Delusional with my success Just a little bit With your success You don't have any success Success comes in

That's perspective perspective of what success is. Success to me. What's your success that you've had? Success for me is simply just being myself and things naturally being magnet to me. Not really worrying about the like how, just knowing that that's going to come your way. So that's success to me. That's a perspective. It's your reality.

Reality's all that matters. $300 a month for food. Perspective is reality. $100 a month for total paper fund. This is anything else you need to survive. This can be makeup. if this is going to be anything. It's $100. That's what you got. Anything like extra to my life? Like groceries too.

I said $300 for groceries. Okay. Yeah, that's pretty good. It's pretty good. Now, I'm creating this for you. And then what you're going to do is you're going to go through our actual budgeting program. Thank God. I don't. I don't. I don't. Is the last thing you need is more schooling? No offense, but you seem to think that $130 was somehow smaller than $60. So I don't know how you're going to go through. our budgeting program and actually take our quizzes and answer them. Would you say smaller? Yeah, the way you were talking about it.

That's the wrong assumption. Just thought they were close. It was over double. Well, that's why I was like if it was 500, then that would be a ridiculous distance. Okay, well, you're going to go through the budgeting program. You'll make your official budget. You'll follow it. You can use us for help.

It's changed thousands of people's lives. I don't know how you're going to get through it, to be completely honest. And I sound like a dick for saying that, but... I believe in myself and enough for the bulk of this. Fantastic. Do you have any medical health care? is ongoing on a monthly basis No, no I don't

What was that gym membership? How much does it cost? I think it's like 30 bucks It's like a really good membership You should do it's like to where you can have memberships To all of them Not just one What are you about to say? What are you about to say?

Are you about to say I should try it? Call me fat Okay I know I'm with a No, shut up Shut up No but like for real that membership's really cool

Because like you can go to all of them Not just like one specific like gold Yeah welcome to a gym Yeah, yeah. It's cool. I like it. You can go to all of them, all different gyms. What's your phone, what's your phone bill?

It's 70 bucks. You need to switch to helium and get that for $20 a month. I'll get you set up with that after the show. Dude, let me know. Yeah, because you're, I don't know. I know the help I can get. Yes, you do. I need Caleb.

Caleb. Okay, don't say that. That's getting weird. It is not that kind of show. your debt minimum monthly payments $1,665.70. Anything else you need? I'll go over it again for you.

Debt payments, your minimum monthly debt payments. Your rent is $400. Your gas water electricity is all 70. Internet's 50. Renters' insurance and car insurance is $100. Your phone is $70. We're going to get that down to $20, but it's $70 now. $130 for gas.

$300 for gross. three's hundred dollars for your TP fund this is everything else you need to survive in makeup okay thirty dollars for gym anything else no it's a lot it's a lot of stuff it is right why do you have multiple phones do I well there's the AT&T thing oh I think he yeah you're just and then Cricket yeah yeah crickett's mine cook it's mine but then also Russell cellular I don't know what that is I have no idea what that is right it's a phone says phone service is it cellular What the f f f f f- Yeah, I don't know what that is. I don't know what that is.

Okay. When you go through the budgeting program, I need you to go through every single expense that comes out, and you need to put it in places and cancel things that you don't need. Dude, yes. Including subscriptions that I saw that you do not need. Oh, my God. Thank God. Let's get your minimum to survive, which is basically what you asked for.

And then I want to leave. Okay, minimum to survive. $2,815. $0.70. Nice. That's what you need to bring in. That's nice. That's a good number.

Pretty solid. Yeah. Or $33,700 a year, essentially. Ooh. That's too much to think about. That is, I can think about that, though. Yeah, 25. It's a good number.

If that's how old I am. If that's how you are, pretty fine. Yeah. You need to bring that in. Yes, it can happen. Through what, though? Through what? What's your going to be your instant income other than donations from the fucking

right now? Um, you know, collaborate. It's just so, when you say it like that, by the way. But I'll just for the sake of,

for the sake of time. That's the weird thing out of all of this. That's the weird thing. That is the weirdest thing out of all of this because it doesn't feel like that for me. Like, it doesn't feel like that. Well, I'm mostly just meme it on you,

but. Yeah, I just feel like there's genuine people that have grown a relationship with me that want to see me. Yeah, they want to see me. They're like, I want to take care. I'm not there.

I don't want to be there. So I don't know. Yeah, yeah, yeah. Respect. Okay. Other than that, how are you bringing in the money? Yeah, I mean, I'm feeling pretty comfortable as far as being able to find new work and different. Well, that's not the answer.

That's not unanswer. Yeah. I'm feeling confident in that, though. I'm really, I really am. I'm feeling really confident in that. Yeah. I am. I'm not.

Yeah, I am. I'm feeling confident. I've survived since I was 14. I think I can keep kicking a little bit. longer. Yeah, your survival's based on death, though. Like, you're just going further and further than your debt and taking up more and more education. Eventually, it catches up. Right now, your survival's kicking the can down the road. Eventually, the can becomes a massive boulder and lands on your head. There's, there's mad, there's mad faith to, to investment. There's mad

faith into finishing this. Like, I really do think one day that I'll be able to convey money to get this through. Like, I'm, I may take a long time, may take 10 years or so, but it will get done. Like, I'm not. But every, you know. a year that you're not investing, you're losing super valuable time for that money to compound in the market. I agree. So that your actions are not in your statement before that are not indicating that you agree. You just said if it takes 10 years, that's okay.

But then you miss the best decade and a half of your life for compound growth. So I don't really get it. Yeah, I agree. That's a storm. Like I actually, yeah, I completely. Then why aren't you going and working right now in an industry you know that you're okay with and you are happy to do? I understand wanting to try different things, but work while you're trying to do other things,

especially since you said you could do it once a week. I mean, come on. No, I feel like I am. I feel like I am. I've been like really working hard and getting little gigs here and there and really, really doing my thing. Like, I really do feel like I am. Yeah. So you can coach. You think you can coach for money. I know I can. Okay. Prove it. Coach me. Okay. Coach me.

What would you like to work on today? I don't know. What do you think is my like biggest flaw that I would need for coaching? I mean, I get angry easily. You want to work on your anger? Well, I don't know. I don't really care. How does that make you feel? Why again, I don't really care. Well, so would you? Anxiety. I have anxiety issues. Anxiety. That's beautiful. Thank you for that. No, it sucks, but go ahead. Well, thank you for sharing that. I agree, you know. I respect the fact that it sucks.

What would be your specific? That's what I just paid for? That's the coaching I just paid for? What would be your specific goal out of this? How did they coach you? What would it exactly look like for you? Overcome my anxiety, overcome my panic disorder so I could live life to the fullest. Okay, yeah, let's go there. What would that look like for you? Do you have a picture in your head what that looks like?

Not having a panic disorder? Yeah. What is it? What does it look like? Where are you at? Being able to do the things that are being prevented in my life by that fear of having a panic attack in a place that I can't escape. Do you have like an actual picture of that in your brain, though? Sure. Flying anywhere and everywhere.

With no issues. Flying? Yeah. I think that's one of my major hurdles right now. I don't know what that means. Can you be there in the airplane right now? Can you feel? Sure.

Yes. Can you feel yourself sitting in the airplane? I do. Can you feel the rush of being in an airplane? Yeah. Can you feel the height of being off the floor and in the air? Yeah, that doesn't bother me. Is it feel invincible?

Can you feel electrifying? Do you feel happy? Nervous. Nervous? Is there excitement? No, nervous that I'm stuck somewhere. Do you want to get out of this area? I'm afraid that I won't be able to if an anxiety attack happens.

Do you like this area? Are you calm here? No, I just said I'm nervous. You're quite nervous here? Go somewhere else. Clean the slate. Go somewhere where... I can't.

I'm on a plane. Clean the slate. Go somewhere where you feel no anxiety. Go somewhere where you feel no anxiety. That's what a panic disorder is. That's what do you not understand. That's why I think in order for you to have these conversations to people, you need to be clinically certified, because that right there was as dangerous.

Because what people like me are trying to work on with our panic disorder is we run from those things, like being on a plane to get to our comfort zone, our safe space. And that is our major thing that's holding me back. And you just told me to go do that. And that's probably dangerous. And I bet a lot of clinical psychologists who focus on panic disorder would also agree that that's dangerous. So I don't think anyone should pay for you to do that. You could have just harmed me if I continued to listen to that.

That was a joke. That was embarrassing. I'm embarrassed for you. I'm pissed off. This was a waste of a fucking hour. Sure, I'm sure people will find it entertaining. Great. I don't give it.

This is done. I'm pissed. Your Hammer Financial score is zero out ten. I don't want you to say another word. Make sure you check out all the resources. Linked in the description below there, what I use or would use in specific situations, including the best budgeting program in the history of the internet that she has no chance of getting through.

Thanks to all of our Patreon producers for making this episode possible. If you want to participate in an episode of Financial Audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.