Financial Audit - She's Dominating Me

Episode Date: March 25, 2024

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I'm very optimistic. Something will happen. Yeah, but that's stupid as fuck. You gotta live in the real world. I mean, sometimes you have to take a risk. That's not taking a risk. That's being a dog. Most business owners took a risk and were in debt.

You're just not paying because you're like, I'm hoping it'll be forgiven. That's completely different than what you just said. How do I pay it if I have a business? Money. Hey, my name is Val. I'm 28 years old. I'm from Los Angeles, California, and this is financial audit. What do you do for a living in Los Angeles?

I own a juice shop inside of a church. A what show? A juice shop? Juice. Yeah, not Jew. Yeah. Inside of a church, I was like, wait. Yeah, yeah, yeah.

No, no, no. What's happening? Juice, cold press juice. Co-conversions shop in the church. Okay. Cool. And how does that do? Not good.

It's inside of a church. Why did you open up a juice shop inside of a church? Because it was only $390. So. What was only $390? The rent. But it's in a church, which is probably why the rent was. I know.

I realize that. That's why I'm in debt. Okay. Well, how much does the church? church bring in? Not the church, the, the juice shop. The juice shop. For six months, I was only bringing in about $3,000 a month, which is insane. That was barely enough to pay for my employee and for produce supplies. What are you ever employee? I thought it was going to be booming. No, you launch it. You launch, you launch it. And then you bring on employees when you scale.

That's what I did. I mean, Downey is like the, they call it the Beverly Hills for Mexicans. So I figured, you know what? I made it. I made it into the Beverly Hills of Mexicans. I thought this place is going to be booming. I need an employee. Did you question why the rent was so cheap? I didn't. I did not. Okay. So $3,000 is what you were making and... And then I decided to take a three month break because I was spiraling out of control and I started doing Uber for three months until I dug myself out of the hole. And now it makes... Oh, my debt hole. I'm not out of your debt hole. I'm not. Okay. Uh-huh.

But now I probably make, I want to say that combined with my street vending that I do on Sundays, I make around $7,000 to $9,000 in total revenue. I think you're missing one of your key jobs. Yeah. Yeah. Oh, what's the other one? Um, having pay pigs. Pets.

Wild time. Uh-huh. Yeah. That's another stream of income. come. How much comes in from pay pigs? So I just got a pay pig 10 days ago and I've gone a thousand dollars so far. What do you have to do as a pay pig? I have to humiliate them. I have to call them losers and tell them they have small like that's all I have to do. Like just text them that? Yeah, text them message. No, no video chat. No video chat. No pictures.

You get a thousand dollars? Yeah. One time he did ask me to send him a selfie of me flipping him off but that's about it and he said me like he could just be i feel like he could just talk to a i and the i would just tell him he's a loser but see it's it's the charisma the personality that they're i guess striving for it's not the same so you just got one i just got one how do you how okay so after i went broke and i took a break from my business i decided to hop on social media i was like you know what my life is a disaster let me just put my life on there for for cloud maybe it'll help my business life on what my like my disaster my life yeah on instagram mostly i could understand tic talk but mostly on instagram and i guess there was so many

hate comments from men that i just decided to talk back to them and i guess the pay pig realized oh this girl can humiliate me and he message me he's like hey can i pay for your clothes and i'm like sure he's like but you just got to call me a small a small loser and i was like okay Sure, and then next you know cash app, 150. And then next $50. Oh, I saw. Oh, I saw. Yeah.

There's a boyfriend sitting over there. How does he feel? He completely sponsors it. All right. Yeah. As long as I'm not sending anything inappropriate, that's all for it. Helps buy us dinner, as we call it Dinden. We call him the guinea pig.

Okay, so we're making $7 to $9,000 a month. A lot of itself employed. Are we setting money aside for taxes? We are not. How is this like the ongoing narrative for every single person in the history of this world? It's like, okay, do I pay my taxes or do I invest in the business? Pay your taxes. I owe so much in taxes.

I think I owe seven. I owe $9,000 now. And that's only from like four quarters or three quarters maybe. We didn't even have that, did we? That's wild. Yeah. Yeah. So I don't have.

$9,000 right now. You make $9,000 a month. If you budgeted correctly, you, I know what your spending looks like. You could have $9,000. I, if I make $9,000, how am I going to pay $9,000 in taxes? Not in a single fucking month, but you could do this over the course of a couple quarters if your spending wasn't what it is. And I know what it is.

But the IRS is going to get me either way. So might as well keep, I don't know, investing in my business. That doesn't make any sense. That doesn't make any sense. It's like, okay. If they will get you either way, why not be prepared for the time they come and get you? Okay, look. What's going to happen?

I could give them the $9,000, but then my business will stay where it's at, or I can use that money, try to... Or they'll just come and destroy you. I think they'll be nicer. They can. I'm in a church. If you proactively reach out, you're a private business within the church. Yeah. Yeah, one time they reached out and I accidentally answered, and the lady just killed me.

she completely like nailed me down. She's like, you're so responsible. I'm like, look, lady. So you think they're going to be nice after the one phone call you've had with them was not nice. I thought they'd be understanding. Apparently, they didn't care. You're willing to be more understanding. If you reach out, be like, you up a little bit.

I heard horror stories of like, you know what? They're going to take away your business. Exactly. So you're just putting it off. That's going to make it bad. I know. I took the risk and I said, you know what? Maybe my business can grow.

And then I can give them. Has the business grown? Slightly. Very slightly. Not enough to pay. To $3,000 to what? To 7 to $8,000? So it's more than doubled.

It's more than doubled, but I have so much debt that I don't know what to pay. So do I pay the IRS? Yeah. Always pay the IRS is the rule. Uh-huh. It is the rule. It's like, do I pay my business? Do I invest in it?

Do I pay the IRS? Do I pay collections? What do I pay? Like, what do I do I do? I'm going to call him out by name because he deserves it for this one. Oh, God. But my producer, Noah, wants you to do a pay pig role play with me. Okay.

So if you want to see that, stick to the end of this episode. Oh, my gosh. Will I be the pay pig or will you... You know what? Actually, let's do that in the post show. We'll do that in the post show. Okay. Because that isn't...

As the Krispy Chicken sandwich from 7-Eleven, people always call me loud. And I'm like, yeah, I know. I'm crispy. Did you expect me to whisper? If you want quiet, go. eat some soup and reflect. Like I know I'm a handful. I'm bold. I'm juicy. Throw some pickles and barbecue sauce on me and baby I'm a whole meal. And with seven rewards, I'm just $4. Quiet. No. Krispy, saucy and $4. Very. Only at 711. Valley through 62326 participating stores only while supplies

lastly out for full terms. Fit in financial auto. So we'll do that in the post show. Okay. You might be into it. Who knows? You might be into it. I am taken. Thank you very much. So am I. You're right. Yeah. If you're looking to save on your expenses, a great place to start looking is at your phone bill. I've recently had a lot of people around me switch to Helium Mobile, and it's been awesome for them when they're trying to budget. It has unlimited data, texts, and calls with amazing coverage just for $20.

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paid off about halfway through. Correct. Cool. Now, with this car, the interest rate is not that insane. But we're sitting on a total balance of $12,891.79. With a minimum monthly payment of 403 a month, and I can see that hurting when the business wasn't making much money. Definitely. It's a big chunk.

You see, I was able to afford it up until last year. I was pretty responsible up until last year. And now I'm in this big hole. And sitting at 5.49% interest. What happened last year? I took the risk of opening in a church. And that completely... So that was last year?

That was last year. That was during the summer. Before that was pretty responsible. I think I had like a... Calls your lease. It's supposed to end in June. And then I'm supposed to possibly renew it if they... Well, obviously don't, right?

If you're sowing a little bit of success in there, maybe take it to a place that has more foot traffic. I assume there's decent foot traffic in there. But I mean, I'm just speaking my own... history on this one? Are people, when they go to church, are they getting juice? I think they're getting coffee and donuts. I'm not allowed to sell to the church people. Okay.

Is this like an Uber mega church where it's like a mall? So this church is historic. It's like 130 years old. But legally, there cannot be a commercial business in a church. So there's a nonprofit that reached out to me who rents in the church who's like, hey, why aren't you an extension? Or why? Let's invite you over to be an extension of our program.

So that's the only way I was able to sell in theirs. But the loophole, the loophole is I can only open four hours a day, weekdays. Okay, when that lease is done, I think we're moving. You're going to have a more expensive rent, but if you're able to prove the business model anyway, what's so special about your juice? My juice? Yeah. Well, it's fresh. It's healthy.

And I do live. It sounds like every juice spot in Austin. I do live in like a low-income community. so I guess cold pressed juice is a very relatively new topic. So that's why I was a hit where I originally started selling. But once I moved to Downey, where there's a higher- Where were you before? In Cadehay.

Well, and just like what kind of- Street vending. Street vending. Yeah, and I still do that on Sundays, and that does way better than the Downy. What I'm doing? I know. It doesn't sound like a-

I know. But believe it or not, I have so many other business friends that took the same route, and now they have like three restaurants. And they owe like a quarter million in taxes. So it's like, well, If they did it and they have so many restaurants, why don't I do it? All right.

Let's try to... It's a mess. I don't know where to start. We'll talk about that more in a bit. Let's see where your financial situation stands. Student loans. This is... $7,000.

Taxes. Oh, that's... But I haven't filed two quarters. So now I probably... So now I probably owe $9,000 on this. And not too, not to and your taxes are your student loans. Are you paying minimum monthly payments on these? I have never made a payment.

Okay, are payments required currently. I think they are. They started, I believe, last year. You see, I graduated in 2019. COVID happened right afterwards. So we didn't have to pay for two years. And then by the time we had to pay, I was in a deep hole. I was in deep.

You let them know your dad. do you ask for deferral or you ask to be put on an income-based payment. We don't just not pay them. They will garnish your wages. They will fuck you. I was waiting for Biden to- And not in the good ways that you do with your little piggies. I don't do that.

They wish I did that. But I was waiting for Biden to forgive them. Yeah. How'd that go? He's going to get it. No, he's not. The Supreme Court said no. He's going to try again.

The Supreme Court said no. It doesn't matter. I have hope. Hope doesn't really pay off debt. I have hope. Our next president will help. The next president is either Biden or Trump. I know.

Maybe Trump will find it in his heart to forgive us. No, he doesn't want to. He's not for that. Something will happen. How are you just saying that? What do you mean? Is this how you live your life? Yes, I'm very optimistic.

Something will happen. Yeah, but that's stupid as f***. You've got to live in the real world. I mean, sometimes you have to take a risk. That's not taking a risk. That's being a dach. I don't know. I mean, most business owners

took a risk and we're in debt. No, you're just not paying because you're like, I'm hoping it'll be forgiven. That's completely different than what you just said. But it's like, how do I pay it if I have a money? But I need to pay my other debts too. So what do I pay first? Your other debts are in collections that don't require minimum monthly payments anyway. This one at least requires a minimum monthly payment. So what the fuck are you talking about? What about the debt title to my loved ones? Well, I don't know about those. So, but I'm guessing what's your minimum monthly payment on the Okay, on the student loans? Student loans.

I don't need, I haven't checked. Guessing about $100 a month. For each one or for all of them? Total. Okay. Yeah, they sold the company so I don't even have the portal anymore. And I had to. You got transferred probably.

Yeah. You get an email and you just fucking look at it like every other human being did because we all have student loans. You're not special. You're not unique. I was stressed. Take care of your shit. You're going to be more stress when they start garnishing from your wages.

Self care. They actually start. I started garnishing my wages, one of my creditors. But you make videos where you see, so I know you like to kink humiliate other people, but you essentially make videos where you can't humiliate yourself based on how bad your own finances are. Mm-hmm. So like, why not, like you're here now? Uh-huh.

Cool. Let's have the conversation. Why not try to improve them? I'm trying, but there's just so many. Not from anything you just said. There's just so many that I don't know where to start. It's like, do I, like I said, invest my business? It doesn't even matter if you know where to start because you're so, you're, you're, you're,

absolutely ridiculously dumb on everything I just said when it comes to student loans. Uh-huh. That doesn't give me any hope. But it's like I have my business taxes. That would be more responsible to pay first. If you said there were business one more time, I am burning this building to the ground. I don't know what to tell you. I have hope that I'll be able to pay everything, but I need to, as you said, maybe contact them first.

Porto. Credit card. Okay. Gotcha. 553. Yeah. When's the last time you filed taxes? Last year.

For 2022? Okay. Yes. I used the Keeper app though. Because at the time, like I was struggling financially and I think they only charged me 100 to file them. I don't even. What is this?

It's from Sheehan. Congratulations. What the fuck is this? I have no idea. It's probably cancerous. But it's cheap. It was like a dollar. It's a weird.

Very weird texture. Okay. So, yep. there's the You have a missed payment on your car. I do. Think about it. I do.

They ended up extending my contract by two months. Huh? Yeah, they made me pay one payment and then they extended the last two payments I was behind. Why? I was struggling again. Oh. There's just so many expenses.

Then the collections. Oh, this is endless. I know. Oh, this is endless. What are you using for $652? You're going to hate me for saying this post. Trying to be a bit more mindful of things you buy for you and your family? Well, when it comes to laundry, choose All Free Clear.

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What was it? A juicer costs $7,000. So in 2022, my business actually got really busy to the point that I had to buy a second juicer. But then five months later, the business started dying off. So then I couldn't afford that loan anymore. Oh, this is why we don't leverage it, man. Afford it when you can afford it. Buy it when you can afford it.

I thought it was an investment. Oh, look at this bullshit. Uber Eats just popped up with a notification on your phone. I think it's the last thing that someone in your position, I can't pay on my debts. I can't pay a minimum multi payment on my car. Can't pay a minimum monthly payment on my student loans. I don't think we have the Uber Eats app downloaded on our phone. Are you kidding me?

Are you kidding me? Are you kidding me? I have the monthly subscription, so it's only for like $2 more. What are you? It's just $2 more. Oh, $2 more what? To get it delivered. I get free delivery.

And then you tip the driver. Businesses have their prices more expensive on Uber Eats. Regardless, the food prices are more expensive there. Time is money, though. So when I don't have money. You don't make any money. So what time? This is the...

You say the business brings in this money. That's not what you bring home. You bring home like $1,328 dollars in profits. So you don't make money. Time equals more money. Time equals money. You must have no time because you have no money. Uh-huh.

See, if I were going out to eat or cooking, I would have less time. Sandwich, sandwich, sandwich, sandwich, five minutes, five minutes, five minutes. What was $5,625? That was, okay, so I took out $15,000 in total. So it was two loans, $10,000, one $10,000, one $5,000, juicer and other business equipment. Other business equipment. Yes. So that's what I spent in summer of 2022.

And I believe I did five payments. And then that's when I completely crashed in the beginning of 2020. And that's when I decided. Has you moved into the church? Not yet. It was slow season. It was slow season. So winter is that mean winter?

Yeah, it's juice cold items. So wintertime's the worst time. So I couldn't afford the $700 payment a month. Why'd you take out of debt then? You know what cold season's coming. No one's buying juice in the cold? Some winters they do. This past winter was kind of okayish.

But some winters they do. But that was my first lesson. And then that's when I decided, you know what? I'm drowning in credit card debt that I took out when I was a teen. I'm drowning in this business debt. So I'm just going to file bankruptcy. And I tried to file bankruptcy. And I went to a lawyer, an attorney.

And we were going to go through with it. But I didn't have the $1,000 to pay for the whole process. So he told me to come back whenever I had it. So I started saving for it. But then I was presented the opportunity to sell in the church. And I decided to just use those $1,000 to invest in the church. So I guess you have $0 in retirement. Zero.

I believe I had money into an IRA, but I took it out when COVID happened. Why? Because that was also another. There's penalties to take it out. Yep. I think they took $2,000 of the penalties. I ended up only getting like $3,000. That was the first time I fell into a whole.

hole and then the second time was this past year. Listen, this conversation hurts. If you've made financial progress anywhere over the last year, I want to know what it is. Tell me in the comments below. Make my day brighter. It's getting better. At least now I have the pay pig to keep me afloat. While business speeds up, we're getting to spring now.

We're getting into summer. That's the busy time of my business. It's our entire future. of our life going to depend on micro- I don't think so that doesn't sound like a future plan just for now until things start picking up again well that's a hope thing it's a hope thing mm-hmm I'm marketing I've improved the recipes I've improved the consistency the texture

do you have any juice here that I can try I couldn't fly it over TSA took it you couldn't make it here no I can't the juicer weighs 90 pounds oh you could have made it like a version, right? It's not the same though. Cold press juice, it's the quality of it. That's what's so expensive. See, I have a good product. I have every good concept.

It's just the location. And it's like, I can't afford to move. I hope it's just the location because the market also might be just telling you they don't like it. No, no, I have great products. It's just a location. And I can't afford a storefront. So now I'm in a pickle where I don't know. You were doing great on the street.

But it's illegal at the end of the day. Oh, it is? Yeah. it's illegal. But our city's super cool. Our mayor is 28. She went to high school with me. So she's super supportive.

Other than that, we would get our stuff taken in any other city. Yeah. So it's a little controversial. Some people are against street vendors, but because some don't pay taxes. Well, you should pay taxes. Uh-huh. And I think it should be illegal and you should pay taxes and you're not harassing like customers. Like, hey, you come here.

Come here. Get that. Oh, yeah. Of course not. So I was just like, oh, cool food in a park. Like, I'm all. Yeah, it's cool, but it's not sustainable for like long term. Oh, here came little micro $15, $15, micro, $20, microdick, $100, $160 micro, and a $5 microdiff.

Uh-huh. All right. There are other followers, too, who just like my content of me humiliating myself, talking about my struggles. And they sometimes... Is that? That's not why you're here, right? You're not getting, like, worked up over there.

No. From getting your money shit. You see, I shared, the thing that I'd like to do is share with people that despite having struggles, you can still, you know, follow your dreams, keep going, keep going at it. And then one of my videos where I was being transparent about being in so much debt because of school or my car or my business, a lot of men did not like that. And they had a lot of ugly things to say. And many people actually tagged you. And that's how I found out about the show. I had so many people tag you on that video, completely shaming me, calling me, calling me,

irresponsible so that's why I came here and flew all the way here to confirm whether well to be clear don't be mean the guest is on the show to get their wake-up call they've agreed to me being a little but don't be mean support them I wanted to come here to hear it from you it sounds like she might get excited from it but everyone else I do not have a humiliation kink I do not I'm just very honest very transparent I want to guide other girls and women that are in my shoes too. I have like 40 bucks in a checking account. That's Mm-hmm.

This is Zell's coming in and GoFund me and Square, that's the business. Okay, yeah, that makes sense. See, my spending isn't irresponsible. I hardly need that. I haven't gotten to your spending. It's not a responsible. This is money coming in. Mm-hmm. What are you talking about? I've seen your spending. You don't know what you're, what are you? I don't shop. I don't eat out.

Zeld, Zeld, Zeld, Zeld, Zeld. That's for purchases. For street vending. Some people paid through. Order payroll. So you still pay someone? Legal order, that was when my wages were being garnished. So I had the bank cancel that. You've already had your wages garnished. What was that for?

Chase and speedy cash. And then ADP payroll? That is my payroll company, but they just terminated me because I was inactive because I was not using it. Good. Mm-hmm. Lots of Zells. Zells for days. Apple Cash, Door, Dash. Yeah, that makes sense in our situation.

ATM. Who knows where that $600 went? I think it's rent money. Huh? I think that's the rent money. Rent. Okay. Amazon, Applebee's. At least eat real food. McDonald's. Tequitos.

DoorDash. Pizza Hut. Clarna. Wendys. Every table. That's healthy and it's cheap. Every table? Yeah, it's only $7.

Yeah, I bought five meals. It's affordable. It's not the worst. Netflix. More every table. But that was like a day in between. So that doesn't make any sense. I really like their meals.

Okay. So you just slam them down. Well, that doesn't make any sense. More affirm. Amazon. Grubhub. Poro Cafe. That's what everyone says.

And that's why I'm about to yell at you. Apple, Apollo's bakery. Afterpay, Hulu, coffee, Amazon. If you divide that by 30 days, it's not bad. We're getting like one a day at this point. California chicken, Amazon, Amazon, McDonald's, Starbucks, DoorDash, Dog House, Apple Bill, Apple Bill. Quickly clean car wash.

That's what we absolutely need to survive. It's only like $5. $4.000. It was 12. So that's up. Square webley. So is that your website? Yeah.

A website. But two? Okay. More every table, Pizza Hut. Shahabad, Shahabad. I think that's a gas station. Okay. Apple Bill,

tacos, Amazon, Amazon, coffee, Panera bread, Facebook, maybe advertisement on there. Okay, Florence Express.

What is Smart and Final? So any grocery charge on there will be for produce, for my business. I used to do wholesale. This isn't a business checking account, is it? Yeah, it is,

but that's the only one I have. My... But that doesn't make any sense. My personal account was closed because I had some... How are you separating personal and business then? I'm not. Well, that's fucking terrible.

I know. I know. Then why aren't you? Because I'm on bad terms with Chase and Bank of America because of my... Go to any other thousand banks then. They're far away from where I live, so it's a little bit more difficult. You don't have to be there in person at all times. What? You go to your bank once a day?

Probably, but when I need cash. If this is your personal checking account, it's a little different. Maybe your business one, you need quick access to. I need to do that. I need to get another account to separate my personal and my business. But I hardly spend on myself, though. So at the moment, I don't think it's that much of an issue. Chipotle.

I need to eat. Chipotle, it's affordable. It's very affordable. No, that's stupid as $25. That doesn't make any sense. Make a sandwich. Are you kidding me? Get some beans.

Get some beans. Get some beans. Beans. Oh my gosh. Get some beans. Get some steak. Cook the steak. Meal prep.

Meal prep. Beans. Could have said something else besides beans. I was just thinking of a Chopole bowl. Mm-hmm. All right. Reddit will have a field day with that. Apple, affirm, DoorDash Dashpass.

So we have the Uber Eats one and DoorDash. Great, that's smart. DoorDash, afterpay, Starbucks. Oh, we don't support Starbucks, but anyways. Well, you did. I was really hungry. That was the only thing open. Hungry, that's what I think.

Starbucks. But see, it wasn't that bad. So you only bring in like $2,000 a month, like actually into your account? Probably. How do you pay rent? Because that dude over there? Rent. See how you're surviving?

No. Rent's a thousand. Well, okay. One person who should not be named is one of my personal creditors that let me borrow $8,000. Well, I forgot about those. Okay. So there's a person. Yes.

I have two individuals who each let me borrow $8,000. What are their relationships without naming them? One is my grandmother. Oh, that's terrible. Who I live with, but I take care of her. Yeah, but you're borrowing money from her. What's person two? Person two is anonymous.

Are you able to say your relationship? Like how they're in your life and anything kind of way? They're a close friend who prefers to be anonymous. So it's a friend? A friend. Okay. Yeah. And they truly believe that I was not being irresponsible and they were there.

Well, they're incorrect. It was for the business. Yeah. It's Uber successful business that only. needs money going into it and can't take any out. Yeah, okay. Within five years, I will have a franchise. I believe it. I see it.

I trust the process. Oh, what process? I trusted it. What process? What process are you possibly processing process? I mean, you're a business owner. You know the process. You have to start from the bottom and struggle for the first three, four, five years.

I started a business. I didn't hire anyone until I could afford it. I didn't buy any equipment until I could afford it. I didn't take out debt to grow my business. I didn't quit my full-time job until this was enough to live off of. I scaled my business with the money coming in. Process. Don't tell me about a process.

You didn't have a process. Your process is getting f***ed and hoping you get unficked in the future. But then how do you keep up with all the labor if you don't have any employees? If you, okay, okay. Okay. if you need labor, because there's that much business, then your prices are incorrect if you're not able to offset it and bring some in. Labor is an investment.

These people were an investment that I knew would drive more revenue. Your prices are either incorrect or there's not enough demand that you actually need to bring in this labor and you're just being lazy. If you're chasing data down instead of seeing it in one place, you need the internet. Intuit ERP. Intuit Enterprise Suite. All your data in one place with built-in AI for real-time insights. Learn more at Intuit.com slash ERP. Three hours a day.

Four. So I don't know what the fuck they're talking about labor. See, I let my employee go. So now I run it by myself. Oh, well, there you go. I still have one for the weekend. But now it's tough because now that business starting picking up, I'm like, oh, no, I do not want to fall back into this hole of getting an employee. Don't.

So I stick it out. Yeah, work your fucking ass off until you can't. Until you are literally turning down business because you do not have enough time. Then you're bringing on people. Until then you're working yourself to your just bones. As a business owner, as an entrepreneur, grinding it out. That's why I get DoorDash. I had the polar opposite of you here.

I had Jenny, she's a YouTuber. We hung out these last couple days. She was awesome. and she grinds every second of her life. She's built up to 2 million subscribers. She's being very successful. She's doing all this. She's working like 18 hours a day.

And she's only started to bring on a little bit of help because she knows it delivers even more and more value that she is no longer capable of because she's working too many hours. That's an entrepreneur. That's someone who's working. That's someone who's bringing value to the marketplace. That's someone who's being successful. because oh, there's a little bit of work.

It doesn't mean we're bringing on an employee that you're eventually going to have to let go. That's irresponsible as a boss and just rude. Yeah, yeah. I would never even come close to hiring one of them if I thought there was a potential that in six months I might have to lay them off.

Might is always a possibility, but you don't go into that hiring with the uncertainty that they could get laid off. It's more of, you know they'll bring value to the business and continue accelerating it so that I can keep them on so they can pay their bills. It's irresponsible as a business owner, as a boss, as an entrepreneur, to bring people on in a position where they'll likely get laid off. And that actually pisses me off, I'll be honest.

It pissed me off. That was one of the- But you're considering doing it again. So fuck you. I have to. I have to. No, you don't. You're open three, four hours a day.

What do you mean you have to? Juicing takes a long time. Where? A long time. It's like I have to market. Okay. Okay. But you're not going to make a, you make no, basically no profit by yourself.

If you're bringing on this other person and it's not driving extra revenue, you're going to be making no profits, of which case your business model is proven as a failure. It's as easy as that. No one's entitled to have a business be successful. So what, as you as a business owner, what is the next step? What can I do? Work until you cannot work anymore. One, I would not have signed that terrible lease. I would just try to break it if possible.

And I would just be, if you have that relationship with the mayor and you're able to be on that street, be in the busiest spots at all times. Save up your money. Don't take out any more debt. Pay off the debt. Save up enough money to be able to get a storefront in an area that actually makes sense if that's what you want to do is a physical location. And then work it, work it, work it until you literally cannot work anymore. And only then, then and only then can you bring someone on as long as it makes economic sense for the business or else you're just throwing your dream down the drain for a little extra help. It was just such a good offer to turn away.

390 a month, a big space. A space that big would have cost me $5,000 commercially. There's a reason why they rents that cheap because you're making nothing from it. It's a shi location. So don't say that again. That's the stupidest thing I've ever heard in my life. And you're doing a merch launch next month? I am.

Who's buying your merch? You'd be surprised. A lot of people enjoy seeing my struggles and seeing how far I've gotten and how I've gotten here. Yeah, well, they spend money on merch? What's your merch? What's your merch idea? One of them is tortilla smuggler because last winter, well, yeah, what was it, November, December, January, when I decided to close the business and do Uber to recover, I took on side gigs and one of them was smuggling tortillas.

across the Mexican border. What the fuck? Paid $2,000 after gas. What? They're tortillas. Because you need a permit. And the restaurant that I was doing it for didn't have the permit yet. And then they just exhausted their smuggling capacity.

So they asked me to smuggle them. So I did that for an entire month. Yes. Yes. You'd be surprised how there's a market for tortilla smuggling. The best tortillas are in Tijuana. They're handmade. They're vegan.

So they were paying me $200 a trip. And then sometimes they would pay me for gas. So I would profit about $200. And I would go two, three times a week. And that helped me come out of my little, that whole, a little bit. So I was able to reopen the business again in January. So you were very much breaking the law. It's not breaking the law because they let me through.

Huh? Okay. So technically I need a permit, but sometimes they'd be nice about it. They asked me why I had so many. I told them I worked out a record label. You lied? Yes, but they kind of already knew. Why doesn't make any sense?

Why do you have so many tortillas? Because I have a record label. Well, then you're good. Mexican regional artists like tortillas. So I told them I worked for Pesso Pluma, which is one of the top artists right now. And that we had events every week and we use the tortillas and I would pass them through. Sometimes I would believe me. Sometimes they wouldn't.

Sometimes they would drug search me thinking I had drugs in the tortillas, which was better for me because I knew all I had was the tortillas. And that helped me for about a month. And I started posting videos about things that I would do to get out of my. whole and people started liking them and they've been keeping up with my whole journey of open being a street vendor and smuggling tortillas and being in debt and my profits for caterings profits for street vending and now i have a good little cult falling of people who actually are here to see me open that first store what's your merch plan strategy merch strategy is first i started with the debt video and i told people that this is i'm going to start paying my debt originally my plan was to use

these profits to open or say for a storefront but then then it hit me once I made the debt video that I should probably pay my debt first. And I probably can't open a storefront if I declare bankruptcy. So now I'm geared more towards paying my rent. I'm sorry, not my rent, my debt and then opening a storefront. So now the merch strategy is to let people know that part one is paying off my debt. So that's my first strategy. If they're supporters and they like my content, want to see me get the storefront,

a T-shirt would help fund that dream. and yeah and people really like the designs I'm also an artist as a side gig Can I see the designs? Yeah, of course One of them is Tortillas smuggler And the other one is

It's um, it's um, me valemadre which is I don't Oh it's me valemadre Echele ganas, which is in English I don't give a f*** Keep going, you can do it So you're relying on them to be able to speak Spanish

Majority of my Customers speak Spanish Like 95% of them Customers? Customers, fans, followers Fans, fall, okay. Yeah. It's for my business and for my followers.

I don't want you to narrow your audience, but if that's where it's, can I see? Yeah, yeah, gotcha. And then the third shirt is just a caricature of my business. So me as a curricature. And you're banking a decent amount. Yes, so. It costs money for you to do this. Yes, so my friend has a printing business.

So they're funding the shirts and the prints. And then once I make the sales, I'll be able to pay them. I think $1,500. You don't do anything without going into debt, do you? You don't wake up in the morning without going in a debt to someone. That's the first thing you do when you wake up is who can I owe money to? You got a risk. And if people trust you.

You don't, your risk is very confusing. Your risk is stupid. There are risks that people take and that is good to take. Your risk is just like, I'm going to throw everything away and just hope it works. It's stupid. It's dumb. I want to die. I'm very fortunate.

that people actually trust me. They trust me and they see where it's going. That makes no sense. I don't know how anyone trusts you. You don't pay your taxes. They know my character. They trust it. A Lego set is a gift that always clicks.

And clicks. For kids who love to save the day, choose a Lego set. A gift that always clicks. I don't know. Whatever you present yourself as is whatever. The proof is in the pudding. You do not pay your bills.

Okay, here's the first design. It's earthy. It's me as a caricature. So my business is called Earthy Press. So that's me. It's very cute. Very, very appropriate. So hoping on businesses to do this.

And then here is the one that's like the I don't give a fuck one, but in Spanish. It's me valemadre and has a little juice on it. It's cute, right? I'll send you one. I'll send you one. No, it's cute. But I mean, we personally struggled with that. Uh-huh.

Tax like that, that was our like, we were worst performing merchandise. So just a little nervous. Yeah, you have merch, right? I like it. This was very successful. But when we had texts going up and around something, it was not as successful because it's harder. You don't have that quick instant like, oh, I know what's going on.

And then their last one is the tortillas mug. This is more like a male shirt. We had a good amount of male followers that were into this. I don't like that one. I like the first one, though. The first one's cute, right? I am confident that they'll sell either from my business following, my customers.

Investment strategy. Are my supporters. So you owe $2,500. There's another debt. then you started to go fund me that's kind of gross i don't like that i know i took it down good i took it down good originally it was take care of your own yeah it was meant for the storefront and so many people were encouraging me to do it they're like what people think just do it like we're low-income people first-gen people like you know we have to start somewhere then i did it and then i realized

how much debt i was in and i realized i'm not going to declare bankruptcy anymore so i probably am not ready for the storefront so I shut it down I had only collected I think $600. Originally my plan was to collect $100,000 to open a storefront so 30 would come from the GoFundMe 30 would be saved from myself and then another 30 I was hoping to find randomly. So when it comes to your overall spending, let's see what we got? Debt repayment only 4.4% is that for everything? That's a joke. Is that everything altogether?

Yeah. Okay. Including the car? Yeah. Transportation, 2.1%. That doesn't include the car payment because also, you weren't paying on the car anyway, so it doesn't even matter. Like, you know, we only calculate what you actually put towards it. So necessary food, which you put all in the business card, I don't know how you're planning on doing any kind of deductions or write-offs. Good fucking luck.

12% bull food going out to eat, 10.2%. Unknown shopping, 21%. That's pretty aggressive. That's usually Amazon or just things that we can't tell what it is. And it sounds like a lot went to the business, but you were pumping a lot of money into this business and not really getting any return. I think 100% of it. Man, imagine if you just put that money in the fucking market. I know.

I know. I think food industry is one of the worst industries for profit. Restaurants have a 5% profit. And chance of success. Medical and health care, 1.6%, 0.8% for subscriptions. Misaliening is bullshit getting some tequitos, 1.8%. Another large purchases, 40, 5.6%. Let's look at those other large purchases.

We have a lot of them are ATM withdraws. Yes. You said one of those was rent. Yes. Or sometimes I. What about your rent? How is housing not because we just didn't see it? Like, how is your housing paid for?

I live with my grandma. So we live in an apartment and we've been living there like 30 years. So we pay, she pays $1,000. I pay $1,000. So we pay that in cash. So many of those transactions. are to This is all

because we had $740 coming out from ATM and there was the payroll there was a legal order square payments going out Zemma

Vell Zell yeah Venmo cash app out $926 yeah or sometimes I do pay

some of my creditors Oh that's my rent for the church that was 389 bottle supply

Linktree was $90 yeah and I never used it cancel it yeah Staples Weebly U-Haul okay there's not much extra spending

you have to agree to that's all what do you mean purposeful well well the ATEMor again I can't tell exactly where that's going but food going out to eat 10.2%

yeah is that necessary spending no not when we have debt to pay off that doesn't make any fissue ticato's 2% doesn't make any f***ing sense monthly it's only like $200 $300 at most

that could be going to debt even if that's the correct percentage first of all all the money that came in and then I have to feed my grandma after profits after profits was about $2,000 is that with or without the pay pig

all the money that came in regardless before any expenditures all the money that came in from the business and pay pigs and everything even the go fund me was $5,759 and $38 with $6,076.65 cents went out that it's not including cash transactions

So with cash transactions, I don't deposit. Sometimes I just use it to spend on produce or rent or whatever I need. Does it all just go to zero then? Yeah, pretty much. I don't have anything. Well, then it doesn't count. You still spend more money than you make. Yeah.

By $300. Yep. So now it's like, do I cut on spending? Do I make more money? This business is not successful. It's not making anything. It's paying me, though. So it's going.

You spent more money, more money went out than went in this last month. Uh-huh. Y'all, this is the time to switch to my favorite high-yield savings account. With SoFi, you can get 4.6% on your money. I hate when my money is just losing value, so make sure you're keeping up with inflation at the very least. You can also get FDIC insurance on that money up to $2 million with them. Plus, they'll give you money up to $300 when you set up an account with them.

There's even extra perks like being able to get paid a couple days early. So far is what I use when I'm setting money aside, and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. I think if it weren't for my debt, I think... The amount of hours you put into it, if that was to set a job, you'd be doing so much better. Uh-huh. What's your phone bill total?

I think $50. It's pretty good. You should do $20 with helium. They're a partner. We can get you set up. For my bills, I think I spend around $2,000. Gas, maybe $200. a month. I used to do Uber, but now I don't do Uber anymore because things started picking up a little.

Car insurance? 100. Do you pay it? I'm missing one. I know. Something in my brain told me to ask, and now I see why. Sometimes I pick between bills or paying for business expenses. Again?

Mm-hmm. Again, you spent hundreds of dollars eating out. I would spend hundreds if I cook too and have less time. You already spent hundreds on groceries. Not for myself. They're all for the business. I don't buy groceries. I just...

You have to be consuming some because you also don't... You're not just getting on meal a day. We have a schedule. My grandma and I, so she cooks breakfast and then I buy lunch. With her own groceries? Yes. And then I buy lunch for us. Oh.

And then... Cook lunch. Sandwich. well starve I'm in the health field Like you really need to eat healthy To do good Yeah make healthy food dude

That takes like a salad There's no protein in the salad With cut chicken pieces Maybe if I get like a rotissory chicken From Walmart Congratulations you solved your entire issue I can work I could probably work

I could probably eat less I mean not eat less but Eat out Eat out less Yeah I mean even though Chipotle is like A buck but, yeah.

But the rotissary chicken is $8. I know, and you can stretch that for a week. That's true. That's true. Well, for one person. That's true. Okay, food, you're putting towards groceries for yourself, $300. Not doing business funds in here because you've got a separate.

$100 for TP fund. That's anything else you need to survive in life. That's makeup. That's toilet paper. It's whatever. It's the hygiene things. All the good goodies, good, good, good. Get.

Oh, you already told me, yes. Housing total is $1,000 for yourself. This is Euphoria Calvin Klein, the new elixir collection, featuring three perfum intense scents, inspired by a unique orchid accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, addictive, magnetic elixir, sweet and romantic like a lingering touch, solar elixir, a radiant expression of joy, ultra concentrated for amplified impact and lasting power. Find your euphoria. Discover the Euphoria Elixir Collection by Calvin Klein. What about putting towards utilities and stuff like that? Probably 100. Okay. And then what about internet? No internet.

I don't know how. How? I had to cut it. Medical health care. There was some stuff. Is it a gym? Is there, what is it? Medical health.

I think I have a gym membership. It's 50 a month. Okay. That's about it. Subscriptions. You're going to have business subscriptions, but personal no-up, cancel the Netflix, cancel the Hulu. Got you.

It doesn't make any sense. You shouldn't have time to be doing it anyway if you're trying to build a successful business for being completely. honest. Renters insurance. Renters insurance? None. Okay, $10. Get it. Okay. Now, we're not doing the business and your minimum monthly payments on debt other than your car aren't that much. It's $100 to the student loans, but they're not that much because you don't have the minimum monthly payment in terms of the merchandise or person one or person two or the collections or the taxes because you haven't even like talked to them.

So you're just it all up. So either way, you need to get on a payment plan. Talk to them. My gosh. Okay, we have car payment, student loans, 100, taxes, probably create a payment plan, call them. Yes. Okay. And then we have collections. That's a big one. Yeah. You haven't touched on.

Okay. So what you need to survive, your minimum survival, not business, is $2,4.14. So after the profits of your business, you're already behind by $4.34. Yes. So, a lot of this is going to come down. to um unfortunately it's one of those income situations i feel like we've had more of those recently um but your income is it's an interesting way because you're you're running it's through the business the business that you own the business that you run yes it's like it's been three years it just needs

a little bit more a little bit more and then i'm when do you give up i don't i think i'm stuck with this i'm not good i'm stuck with that's not good that's not real world no You're considered, no. An investment, you're looking to get a return. You're not getting a return. I think for you, man, we could make $2,413 at a job without you putting expenses in. I'm not saying go do that necessarily, but it's like break that lease. If you can, try on the daily basis out there in a food cart situation that you did.

See if we can make anything more that way. you need to find a way to maximize business revenue actually do the books on the business do you how like hmm how thorough are you I'm on top I'm very thorough well just 2023 I gave up doubt I gave up I'm very thorough oh but you have business and personal all in one account so I again doubt I know what's coming in and out of the business just not my debts I chose to ignore those but business I'm on top of that I know the numbers we have a 20% profit right now after I pay my income or after I do the debt payments that's what's coming in 20% which is pretty good compared to the market the market's 5% yeah your business makes no money

the profit margins are good though business makes when on me so it doesn't matter it just needs a little bit more if I could get up to like $12,000 in sales then I could make it okay that's an F you doing that there it's been three years and I still have loyal customers it's getting there It's getting there. Saying you still have loyal customers isn't a good thing. We need to be acquiring new customers. I have new. And I'm saying the product is good that people stick around for three years.

So that must say something about the business. Yeah, we need to break that lease and get it in an area. So a better area. Yes, of course. Not in a dead zone. Yeah. For $3.90. And if you can't, you need to start.

How many hours a day do you work? Be honest. Don't fucking me. Like, I wake up at 4 in the morning. and I start working at 6 in the morning and then I leave the shop at 6 p.m. So 12 hours. Okay, this part sucks.

Just because you're just going further in debt and things just aren't going well and it's going to shut down your business. After that, a few nights a week, we need to work an extra four or five hours somewhere. Yeah. And the coffee shop, anything, I don't care, whatever.

Yeah. For maybe Monday, Wednesday, Friday type situation or Tuesday, Wednesday, Thursday, just so you can bring in the extra money and just at least break even. Breaking even is not doing anything for us though because the car, the interest rate, you know, maybe we're a minimum monthly payment until it's paid off. The term is probably longer than I'd like,

but either way, that's not our make a break. The taxes, we need to start paying. We need to, if we get on a payment plan, all of a sudden, that's like 500 bucks a month,

then you need to make an extra $1,000 a month, which is really scary. Yeah. Because you're not willing to give up this business, and you're already put a lot of hours towards it. You're considering hiring something that's a terrible idea. Then the collections, I mean, you want to negotiate them,

but the taxes come first. And then you deal with the person number one and then the person number two. Jeez, and this merch, this merch, this merch, I hope it works. One of the designs were, was okay. Uh-huh. And you owe money from it.

Uh-huh. It's going to sell, positive. It's going to sell. People believe in what I'm saying. They do. You believe. in what you're saying. Once I make it,

you're going to be like, oh, damn, she'll be what she's doing it. When is it launching? It's launching next week. You tell us by the end of next week, why happens? I'm going to tell you guys,

I'm going to send your shirt. I'll ship it over. Well, no, don't do that because I need you to make money. I don't want you to put any extra money into this. I appreciate the heart, and I would like it. We'd frame it or something,

but I don't need you. Okay. You're doing 200 shirts. 200 shirts. How long until you think you sell 200. I think less than a week. Okay, by the end of next week, I want to see proof. I was showing you guys. I want to see proof.

And this video won't have come out by then. So, because we're really ahead, which is yay. That's nice. And I'll put in the pin comment. And you're going to prove to the audience whether or not this is actually a successful thing. I'm very nervous. Are you planning to get more micro-piggies or something?

Yeah, I think that's it. Just that one. Okay. So you're not into it. I like seeing the payments. It's helping me stay aboard. Okay. You're into the money.

What about the work behind the money? I don't like being mean. I don't like doing that. Okay. But some people are into it, so it makes me happy that at least he's happy. Well, what's scared me is like the $2,000 that you get a month. You need $2,400 to survive. And that's not making any progress on taxes or anything.

Requires this debt picky thing. If you stop that, he stops it. Then we're like $1,000. and the whole 1,200, something like that. And that's just a disaster. Then we need to make like $2,000 minimum extra a month in our pockets after taxes, after whatever. And you need to be setting money aside for taxes like, this is all. Yes.

In California, they don't have the nicest taxes either for businesses and stuff. So it's like this is. It's a nightmare. It's a nightmare. I need at least $10,000. I just wish you were working a job. I'm sorry. I don't want to crush any small businesses dream.

I One thing I would say is if I could go back I would start my business with a savings account I started with zero dollars I would have changed that if I knew better I would have not spent my unemployment money because that's when I came up with a business concept unemployment gave me $60,000

because at the time during COVID California was giving everyone $600 on top every single week of what everyone was getting monthly Plus the extra federal money. Yeah. So we're getting around $5,000 to $6,000 every month for the entirety of 2020. I would have saved that money to start a business. It was until the end.

What you do with it instead? So my expense of the time, including my credit cards, were $4,000. So I had an extra $1,000,000,500 every month that I used to buy a car. I got a root canal. I bought my grandma furniture. Maybe I spent a little on clothes. Maybe I spent a lot on clothes. And then I took a road trip across California.

And then by the end of that year when unemployment ended, I got COVID finally. And I was quarantined for a month. I had $100 left. And I thought, what the hell do I do? Either one, go back to my job as a behavior therapist for children with autism, which I hated and I quit. And that's how I started this whole journey. And or I can open a business, work for myself. And that's what I decided to do.

I originally wanted coffee shop, but I didn't have money, so I did juice. Stop. I know. I appreciate the entrepreneurial spirit. This is the scary part at some point. I think you need to realize, is it worth continuing or not? I hope it's worth continuing. I do.

I'm rooting for it. I'm rooting for you. There's also the real world, and it doesn't really matter if I want to continue or if you want it to continue. The market will tell you. So there is that. There's also the fact you need to go bring in an extra, you need to double your income right now, essentially, to make up for, little Miss Piggy like no longer wanting to give any money

which would happen at any time like you don't need that thousand dollars is not guaranteed might move on to a different more exciting kink who knows so if I were to find other revenues should I keep going with my business should I keep the dream alive

should and would and Ken is completely different and you won't listen to should or what I what I will say is that sure. So you can. If you bring in an extra $1,500 a month, $2,000, I would shoot for an extra $2,000 a month right now because I don't think my is going to last for long.

So it's just like, okay, that will at least know that we have an extra $1,000 in our pocket. Oh, that's how I need. $2,000. $2,000 more. That's how I need, right? Net, net. Uh-huh. Yeah.

So we can start paying on our taxes and that's going to take what feels like forever to pay off. Start negotiating in our collections one at a time, probably small is the largest. And that's already, that's a whole thing within itself. Then start paying off the personal loans and merchandise. Oh my gosh. There's a lot. But if you're able to bring an extra $2,000 a month,

then feel free to continue this thing. But it's going to be an aggressively long process. And I'd cut out any you do not need until then. And I would eat as cheap as possible that is healthy. When you go through our budgeting program, you're going to find, we're going to give you a menu that is meal prepping that you can do $300 for a single person, $250 actually, but we stretch it to $300 by upgrading some things in there and snacks and desserts.

With beans? Are beans included? I think beans are included. Thank you. I was hoping there were beans on there. Of course. That's great. I'm excited to eat healthy and less.

I think that might make a difference. That might make a difference. Not much. Maybe like $100. a month but still 100 is something that's a thousand a year. That is in a situation. A thousand a year. That's something. More than a thousand. Yeah. But I can pay someone off. Yeah. So make more money and eat out less. Let's get your hammer financial score. If you watch your hammer financial score. It's a link in the description below. It is free. What is

happening? I can't go. Okay. Spending in a budget wasn't great. Not much went to debt when everything should be going to debt and you're eating now. decently, but a lot was also going to the business, so it's kind of confusing. Three out of ten, debt, all year in collections, immediate zero out of ten, and money to taxes, so it's a zero out of ten. Emergency fund, there's nothing in savings retirement. There's nothing in real estate.

There's nothing. Oh, that sucks. Hammer Finance score 0.5 out of 10. Join us for the post show. Oh, my goodness. Where she's going to, this is going to get weird. But also check out all the links in the description below. Is there resources that I use or would use in specific situations,

including the best budgeting program in the history of the internet. Now join us for the post show. Today on the financial audit post show. You're going to have to free hand for this because I don't think I'm necessarily into it. The pigs are just into being called a loser with a small... Say... Call me a loser with a small p. Caleb, you...

You better give me financial advice. To watch the financial audit post show, click the join button below.