Financial Audit - Wannabe OF Model Made $0.52 Last Month | Financial Audit

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. Why'd you get into being a... I'm a little overqualified for certain jobs. How were you overqualified? You know, I was a leasing agent. Okay. And so I don't want to go work at McDonald's now. What?

Starting point is 00:00:15 I'm too cute to be doing stuff like that. Ending ballots, $1.25. How the fuck are you surviving right now? Nice gentleman on the internet. You're... It's just a little jumbled up. What have you done? I just like, you know, get overwhelmed and then like slam my head into walls.

Starting point is 00:00:33 You slam your heads into walls? Yeah. You bashed your head into walls. Yeah. Otherwise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane discount.

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Starting point is 00:01:25 to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below. Hi, my name is Vanessa. I'm from West Texas and I'm 24. And this is financial audit. Yes, it is. You work in oil because that is the only thing out in West Texas. I'll be honest.

Starting point is 00:01:47 And it's really good money. But it's just like, I mean, if you've seen Landman of it, it's pretty much all it is. Or you're servicing people that work in oil. What do you do out there for a living? You don't look like you came from the field. I do content creation. and...

Starting point is 00:02:01 Oh, the accent is there. And business. Okay, content creation. Yeah. Well, we all see the tits. Yep. They're large and they are bouncing. Yeah, absolutely.

Starting point is 00:02:12 Should I guess the kind of content creation? Because I actually don't know, but like, unfortunately, it probably only leads to one area. Yes, it does. Yeah. Yeah. Well, there it is. Okay. If you got it, flaunt it.

Starting point is 00:02:24 I mean, no, I mean, don't give me wrong. I mean, I got some tits. But if I had a bigger pair of tits and I was an attractive woman, yeah, I mean, listen, I think it is a little demoralizing. Maybe it's not the best for our culture. But I mean, it is easy money. Of course I understand why so many people are drawn to it. What is it like 20% of Gen Z women that are 18 or older have it?

Starting point is 00:02:45 Something insane. So it's like later in life when your kids are like, oh. That accent is crazy. What are you? Okay, so is that your full time? Well, you said something else, right? I do business on the side. You do business.

Starting point is 00:02:59 Yes. I love doing business. I do business too. Like Facebook Marketplace and stuff. Okay. Okay. Okay. So this content creation. Let's talk income there. I'm assuming it is the OF because... And it's TikTok like going live on TikTok and stuff like that. Oh, there actually is like content. Okay. Outside of it. Wow. Okay. Something potentially creative. What are you doing on TikTok? I'm sewing on TikTok. What? Mm-hmm.

Starting point is 00:03:28 That converts to the titty booby? You would watch any pretty girl with big titties out doing something. Actually, I just watched documentaries about current global conflicts. You don't ever just like scroll? No, that's when I watch P-Cum in five seconds. In five seconds? Well, you know, I got to get back to the documentaries. Important shit's going on in this world.

Starting point is 00:03:48 Oh, important shit. I don't think everyone's simple enough to just fall into the goon bait constantly. Well, I think enough are for people like you to make money, which is just kind of crazy. but I guess your TikTok people are haters, I'm being told. Yes. What does that mean? I'm just constantly being banned no matter what. Oh, TikTok is haters.

Starting point is 00:04:07 Yeah. Well, maybe, okay, show me your content. It's just like. Show me your content. Oh, God. The TikTok version, by the way. It's just thirst traps. Well, there you go.

Starting point is 00:04:19 That's probably why you're getting banned. It's probably right there on the edge. We'll blur the name because we don't know a lot of plugs. No plugs. But no, but no, no. But I'll show some of the videos. talk live and I'm doing... Show me. Show me like a previous.

Starting point is 00:04:32 Okay, a previous one. Did you like water this or are you sweating? No, it's just sparkly. Huh? It's just sparkly. Oh, that's sparkle? Good. Okay, are we surprised? Let's make sure, okay, send this to Lindsay afterwards.

Starting point is 00:04:49 She's literally... So only because I'm a hashtag young ho. Are we surprised you're getting banned? Yeah, because I've seen 10 times... 758 followers isn't making a living. You're like the pink hair Twitch streamer that came on. She's like, I'm a social media creator. It's like, this isn't making a followman.

Starting point is 00:05:09 That's 700 people within like two months. Is that good? Yeah. I don't necessarily think so. This content's kind of not... Some of them are just like post from the lives. But is this like... What the fuck is unique here?

Starting point is 00:05:28 Me. My goodness, if you have a pair of boobs, literally the effort you have to put into things to make money is practically nothing. There's the sewing. My previous account that I had, I had $15,000 on there. Okay, well, that is something. That one was completely banned. When was that banned? I want to say like three months ago.

Starting point is 00:05:46 Okay, why was it banned? What was the official thing? It was a TikTok live. What did you do? I was just bouncing. And how much of it showed? A little bit spillage came out. A little bit of...

Starting point is 00:05:59 There was a titt. There was a nipple. Okay, well, that's bannable. That's fair. It was an accident, though. It doesn't matter. It still happened. When I did my streaming for a couple months,

Starting point is 00:06:08 Sydney, Sydney's Sweeney's tits accidentally popped up on my Twitter and I was banned. Oopsie. That happens. That wasn't even my thing. I was just scrolling. You just move past it and then I made another one and we just grow it from there. One, it's like 400 followers.

Starting point is 00:06:22 Okay. How much are we making? I need an income here. Really, the income is just from, random men online. Like randomly, like, so on. I was asking for a number. Um, there is no specific number.

Starting point is 00:06:36 Okay, lots of, I have, but how long if you've been doing it? You're 24. Did you do like the 18? Here we go. No, so I did, I started it like about a year ago. And then I got in with like a whole management company, Abella Danger. What were you doing before a year ago? Why'd you get into being a...

Starting point is 00:06:57 Um, I. I was a housekeeper and I had nothing else to do. And I lived and worked on property. So then I was like, I'll just, one of my friends was like, just make. And what else happened on property? A lot of, I was drunk a lot, but. Huh? Yeah, just working and drinking, but.

Starting point is 00:07:15 I was assuming the dad that lived there, f***ed you. Mm-mm. Okay. I started making content when I worked there. And I went ham on it within like the first couple months. No, no, no, no. I'm being told you were sleeping with staff. and a resident.

Starting point is 00:07:29 Yeah, that was a different one. That was a different apartment complex. Wait, wait. I've worked at two apartment complex. Oh, this is an apartment complex. So why did I think you were like in-home staff for like a wealthy person? Why?

Starting point is 00:07:39 What, okay, you were just working at an apartment complex. Yeah. In cleaning? What do you mean? Like just mocking the floors? Well, like when people moved out. Oh, that's enough for a full-time position on? Yeah.

Starting point is 00:07:52 Oh, okay. And you were just being around with staff. And then, yeah. How much is this stuff? Staff? Just one of them. That's not that crazy. People that work in restaurants, they sleep together.

Starting point is 00:08:03 Okay, I'm not freaking out about that. I thought you were like, you were someone's maid. No, no. Sleeping with the resident, I mean, probably a little riskier. It was like a company. And so I'm just like the housekeeper for the company. And the resident just like hit on you when you were there? Yeah.

Starting point is 00:08:18 I mean, I don't really care of them. I mean, that's a little different. I thought you were like sleeping with like someone you were personally with. Nah, consenting adults don't really give up. But I don't know. Did that get you in trouble? No. Okay.

Starting point is 00:08:29 So why did you get into being a whore? Because. Not that you weren't before. I wasn't before, actually. Wasn't at all. I was, I did, like, taught special needs kids for a while. That was, like, my favorite job. But then I just decided one day, fuck it.

Starting point is 00:08:45 I'm just going to make, just see if I can make money. Why? Just because. Why not? Okay, but the thing is, if you're not making enough now to make the, to make it for the rest of your life, you're, the rest of your life doing it. started it. It was just kind of like for shits and giggles money. But that can still f-you for the rest of your life.

Starting point is 00:09:03 A digital footprint forever. Oh, yeah. I'm sure they're online. I'm sure I could find leaks right now. Oh, 100%. And it's just, it's there. It's there forever. Yeah. And do you think they're going to want you in the school again? No. That was your favorite job. Why destroy that? Because, I mean, what? Because I wouldn't do it again.

Starting point is 00:09:20 Especially those things, they're going to get saggy real quick. I mean, you're not going to be able to do this for that much longer. Yeah, no. And I know that. And that's why. So you've destroyed your life already. All for what? Not for millions. If you're a Sophie rain level making that kind of money, yeah, you'd be surviving for the rest of your life.

Starting point is 00:09:36 That's fine. But at this point, what's the point? You destroy your life. It's not destroying my life. Everybody in their mom. You haven't had the consequences. Everybody and their mom has made an only. No.

Starting point is 00:09:48 No. Among people around your age, yes, a higher percent than ever before is doing. But even still, I mean, if you're making an up, over the last year to have leaks, then that shit's going to be there. If someone just starts, puts a tip pick online, and then no one really sees, that's not going to follow them that much.

Starting point is 00:10:07 It sounds like you're in a place where this is going to follow you forever now. Yeah. And I'm assuming not making enough. Yeah, no. Exactly, or else you wouldn't be on this show for it to make a difference in the future and actually be able to sustain you post OF.

Starting point is 00:10:21 Yeah. So again, okay, fine, what was your highest income earning month from OF? So I actually got into a contract with A Bella Danger's manager. I don't know what that is. Abella Danger, you know who that is. No. That's a B.

Starting point is 00:10:36 Okay. I actually don't know anyone by the... I know Sophie Ring because her manager... Well, no, no, I knew her, but she said she wanted to come on the show and then I guess she never did. And then, so I got contracted with them within the first... Oh, Bonnie Blue, because she, like, probably has AIDS. Yeah, probably. Keep going.

Starting point is 00:10:53 I made five grand within... a month and a half just on only five grand we're destroying our life for five grand one time yeah when i ask for your height you're giving me five grand yeah how the f f f you surviving right now because there's nice gentlemen not because i said how nice gentleman on the internet oh are you being a sugar baby okay is this not so degrading and pathetic have sex sex sex sex is fun. We all do it. But, I mean, if we start doing it for money... Then what? It's just like, at that point, I mean, it's just...

Starting point is 00:11:35 More degrading. To who? I guess to me. It just seems, I mean, like being a horror. Again, I think... Have fun, but... Exactly. Well, okay, okay, okay. Give me examples of what's going on now. Um, so just like on, I'll sometimes scam in out of money. Scam? Uh, sometimes.

Starting point is 00:11:58 I thought we were sugar, no, no, no, no, no, no, tell me the scam. There's just like, there's so many different ones. Tell me, tell me. Give me an example of that. That's like, crazy. It's like, okay, 100 bucks. A hundred bucks and I'll FaceTime you. And so then they send me 100 bucks and I just block them.

Starting point is 00:12:19 Where do they find you? Snapchat, TikTok. What? Oh, okay. TikTok. How do they find you on Snapchat? Because if you post on your public story, so like my IP address is banned, like Snapchat, I can't have another one at all. Why? Because I got banned so many times. Why?

Starting point is 00:12:37 For posting provocative pictures. Was it provocative pictures or were they nude? They weren't nude. None of them were ever nude. No tit? No tit. No sign of flappage. Mm-mm. Okay, that's a bit weird.

Starting point is 00:12:51 Okay, so they find you and you're like, in order to FaceTime me, send me $100 and then you block them? Well, they usually swipe up and they say, you selling? What is, what are men doing? How are we, how, what the fuck? Exactly. And also sex is not difficult. What are we doing? Why are people asking for images?

Starting point is 00:13:09 A woman they don't know. Yeah. A woman they don't know. How is seeing her? And that's exactly why I scam them because it's like, why are you buying pussy off Snapchat? Okay. I mean, you're the one selling. Yeah.

Starting point is 00:13:23 Come on. How are you to judge? Again, sex. Okay. Okay. Okay. Okay. So, um, all right.

Starting point is 00:13:32 And then the people you're not scamming? Because you're not going to make $100. Yeah. Just like sending videos. Sending videos. Yeah. What kind of videos? Wouldn't you like to know, weather boy?

Starting point is 00:13:45 Where are your parents? Um, I have sent. How many people you got? Well, it's just like, it's different platforms. It's different things. But men scammed me in the beginning too. I don't care. You deserve it now. Fuck you.

Starting point is 00:13:59 How'd you get scammed? Well, there would be times where they'd be like, send the video and then I'll send you the money. No, no, no, obviously you can't do that. That's just you'd be in a... No, 100%. That was just me falling into that. But at the end of the day, it was like, fuck you. Now I'm just gonna scam you. Okay, well, that doesn't make sense.

Starting point is 00:14:18 Don't be... Someone is a piece of shit, don't be a piece of shit. Shit. So do you have sugar daddies right now? I have a sugar daddy. A. Okay. So what happens there? We just meet up and he gives me 500 bucks. And you... Have sex.

Starting point is 00:14:36 Is he incredibly ugly? No. He's just kind of older. Why don't you just have sex with him then? Because... Because... I can get $500 out of it. How old is he? Probably like 50 something.

Starting point is 00:14:53 Are you getting tested? Yeah. Are you letting this man go for a little? Huh? You're letting him go unwrapped? Uh-uh. Oh, good. Okay, my goodness, I was going to say.

Starting point is 00:15:05 I don't. You're... No. Okay, you're meeting to have sex for $500 as a... No, we're having a mutual spoiling. What? Okay. How frequently do we do this?

Starting point is 00:15:22 Like, maybe twice a month. How'd you meet them? On shi-f-com. Oh, that's an actual website That is so just clear is day What it's for That's crazy Yeah

Starting point is 00:15:34 Okay, so it's basically a website, got it I guess when I get old If I'm that desperate, geez Let me see what this guy looks like I'm not gonna put it on camera I don't even have a picture What the fuck you know his name

Starting point is 00:15:46 You can look him up online I know his Sugar Daddy name Oh my goodness Is he married? Is he married? I don't know don't know.

Starting point is 00:15:57 No way you don't know. You haven't picked, you haven't chatted at all about anything. I know he has a kid. He's married. Well, that's on him. Yeah, no, it is on him. It is on him for what it's worth.

Starting point is 00:16:11 Okay, show me this Sugar Daddy thing. Show me the Sugar Daddy website. Let me see. Let's see your profile. So, but $500 twice a month, that's a thousand hours a month. Again, math isn't adding up. And I know you're not at your peak of,

Starting point is 00:16:25 so how much you're making a month? What did you make last month? month. Enough to get by, which is probably just like maybe like two grand. What the fuck? Where the other two grand come from? Or the other one grand come from from your $1,000? Well, then there's just the random guys that. And then sometimes they'll just be like, hey, do you need anything? And I'm like, yeah, a hundred bucks. And they just send it to me. Through what platforms? TikTok. They just find me. And then they're like, if you need anything, just let me know. They message you on TikTok. What the fuck is happening? Our society.

Starting point is 00:16:58 is collapsing. This is insane. Oh, we are going to be like the next South Korea. We are so done. This is crazy. So what's your future? Because 2000 gets us nowhere. You're 24 a year. I don't even know how you're living. I got to learn more

Starting point is 00:17:16 about that. Oh, yeah, let's see. Okay. Okay, here's the Sugar Daddy website. I'm going to record it. Yeah, they're attractive pictures, I guess. Is this an app? No, it's just a website. but I just added it to my home screen like an app. That's crazy.

Starting point is 00:17:32 Okay, let's see what's going on here. You have no active conversations. You have no active conversations. No, because they all disappeared. I had quite a bit. Oh, good death. Oh, fuck. They're all so old.

Starting point is 00:17:44 They are all so old. Let's see. Some of them are decrepit. Yeah, but you match with them. Yeah, because they'll send money. I spoil. Oh. See?

Starting point is 00:17:55 Everybody's looking for a mutual spoil. Dude's tall for it's worth A doctoral net worth 1 to 10 What the fuck is happening here This is crazy What is going on here? I like I need a date in West Texas

Starting point is 00:18:14 This is wild man This is crazy Chat are you seeing this is wild Okay so you have this guy's albums Okay so they give you access to their album And then you can see their picture Oh my gosh I mean we're all gonna

Starting point is 00:18:34 I guess turn into this someday Okay, so this is you. Let's see. The one place on Earth I want to be, and then you didn't finish the sentence. Nothing on Earth. Did I just chat. GPT to everything? I guess you really don't have to do anything because you're the woman.

Starting point is 00:18:48 On paper, most of the practice. Just being a model? You're a model? No, you just started her only on a model. I get happy if I could finally pay my debt. Well, use your sugar money and then actually pay your debt instead of doing whatever. Oh, despite all my complaints, my exes could all agree that I'm crazy. Yeah. You're crazy.

Starting point is 00:19:05 Yeah. Well, that's not good Yeah How are you crazy? Just It's just a little What have you done? What have you done?

Starting point is 00:19:12 Nothing, nothing bad. Crazy shit if you done I just like, you know Get overwhelmed and then like slam my head into walls So that's it You slam your heads into walls Yeah You bashed your head into walls

Starting point is 00:19:23 Yeah How frequently are you bashing your head into walls? I haven't done it in like A couple months What the fuck? What the fuck is this? What? Like

Starting point is 00:19:34 Mm-hmm. So if I was in an argument with me and my ex and it was like a screaming battle and it was really bad. What were you guys fighting about? Of breathing at that point. Okay. So this is a recent ex? Oh, you broke up with your, you had a fiancé? Yes.

Starting point is 00:19:51 So I quit doing first time because... Oh, you've done it multiple times. Okay. I got engaged to him and it was a really toxic bad relationship. I was basically lost. in the bedroom. I wasn't allowed to leave the room because he thought I was going to fuck the roommate.

Starting point is 00:20:10 What the fuck? Why would he think that? Just because he was insecure. Good death. Okay, let's see what's going on on TikTok here. We'll probably go through more on the post show. Active now. What's this guy doing?

Starting point is 00:20:29 Okay. This dude's... Why you're following these weird people? What the fuck is happening here? It must be a whole different person or a scammer. Huh? Hello, spend, I want some money.

Starting point is 00:20:48 Okay, so you're actively asking for money. Yeah. What the fuck is happening? This is pretty easy, man. Are you doing it on... Okay, so you don't have Hinge downloaded. No, I saw my other phone. Oh, we have a whore phone.

Starting point is 00:21:06 Yeah. Okay, show me your horror phone. I don't even have it on me. Well, you put the guy last night that your ex forbade you for being with. Yeah. Why? Or like, what? What happened there?

Starting point is 00:21:18 I was just, it was just hung out. He's just, he's just a cool dude. He was just a cool dude. We were just hanging out. You don't have a f***ing. It's my guns. Dude, you did that as revenge for your ex. Well, I, I, yeah, basically.

Starting point is 00:21:44 And did he pay you? No. Well, that's good. I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different. Your payments are different. Your

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Starting point is 00:23:58 I don't have rent. I live with my parents. Okay, that makes more sense. So what are you trying to do in the future? Okay, so how many people are you texting on here? Just get out. Oh, a lot. July 17th.

Starting point is 00:24:10 That was a few days ago. Okay, so what are you... You're getting real click happy over there. I'm scared. I mean, yeah, those are your tits, but that is only... Okay, I mean, they're large. But these aren't people even asking for anything.

Starting point is 00:24:26 You're just sending. I'm so confused. Is that only? Well, yeah, I'm looking through the messages. I haven't created any content in probably like a month for a... You shouldn't. You should stop. You should do something with your life.

Starting point is 00:24:38 I don't even know. This is... And that's like, that's what I wanted to do. Like, I haven't wanted to continue to do... ...anymore because it... It's a lot of work. So what were you fighting about that made you bang your head into the wall, though? I really don't remember.

Starting point is 00:24:57 We were just getting to, like, screaming matches, and I just, like, couldn't take it. And so I just... You're insane. Yeah. Yeah. So what's the future? You want to get out of the house. No shit.

Starting point is 00:25:08 That's pretty basic. Yeah. But how are you doing that? What's the plan? Well, the most recent plan is I... It's $1,300 to get your real estate license. Oh, my first. What is it with everyone

Starting point is 00:25:22 of the parents that thinks they're going to do? You live in West Texas. Go on. Because I was a leasing agent and I loved it. I loved being a leasing agent. That was so fun. And it's like real estate, there's more money. You're not going to be successful in that.

Starting point is 00:25:38 Why? Because, like, 80% aren't. And I'm sorry, I don't. It's just like you bang your heads and walls. You were a leasing agent. And? You just do. I don't see.

Starting point is 00:25:52 this life skill? What entrepreneurial thing have you ever done? That'll get you to, that is indicated that you would somehow be good at real estate. The leasing job. That's going to show 100%. I leased over apartments signed within 90 days, less than 90 days. Are you applying to jobs in the meantime, please? Yes. Think anything lining up. I've got an interview on Thursday. Good for what? A leasing agent job. Oh, thank you. Well, were you fired from your previous ones?

Starting point is 00:26:26 No, I got fucked over from the last one that I just worked out. I quit before my 90 days was up. And so they didn't pay me my commission. You quit before 90 days? Yeah. Why? The apartment complex, it just corporate didn't like me. See, if you can't even sick out for 90 days, like you don't how long.

Starting point is 00:26:45 Like, most people don't make money in their first year of being a real estate agent. Yeah, no. That can't be your plan. you're doing some door-to-door sales a month ago. Oh, you lasted one week. Great. What were you selling? Windows. Okay, you aren't not going to be successful in a real estate. You need to work for someone. You need to work for someone at a desk doing something. You can't do sales. You are not

Starting point is 00:27:06 someone that can do that. Why? Look at you. Less than 90 days at that previous position, you can't even stick out. Less than 90 days, but I still leased 35 apartments. And then you lasted only a week. You last a week at the sales job door to door. Yeah, because I'm too small. I'm too cute. Oh, shut the f***. I'm going to be f***able. Oh, shut the f-th. You'll be kidnappable in real estate as well then. Yeah, but at least I'm not going door to door. I'm not invading people's spaces.

Starting point is 00:27:33 No, but you're meeting up with random people who say that want to buy a house or sell a house. Good luck. Okay. Okay, so this isn't a real plan. But, okay, maybe you'll be this real estate person. Anything else going on? I do sewing and stuff on the side. You do sew it. Okay, what's that? I just, I sew bags. And I, I, I, I, I, I, I, sew bags. And I like repurpose and recycle and reuse. So I'll go to like their stores and get like wrangler pants.

Starting point is 00:27:57 Is this an actual business? Yeah. Like people are like actively like ordering and buying from me. Okay. Tell me about the business. First into the tank is a whore who thinks she could make bags but can't even spell what's on it correctly. Hi, sharks. My name is Vanessa and I'm from West Texas.

Starting point is 00:28:28 I am here seeking $5,000 for 5% of my company. Every person needs a bag, whether it's for travel, for daily use. In an age of mass production, more and more people want customized pieces that reflect who they are and where they go. Growing up taught me that you don't throw things away just because they're worn out. You figure out how to give them another life. That's become the foundation of my business. started teaching myself to sew over six years ago and what began as a hobby turned into an obsession. Today I create custom bags and accessories by repurposing clothing, workwear, vintage textiles,

Starting point is 00:29:10 and other materials that would normally end up in a landfill. Every piece is handmade and one of a kind. I don't want to stop at custom orders. I want to build a recognizable brand where every product has a story, whether it's turning an old Carhart jacket into a backpack, making a cable, bag for musicians, creating organizers, or repairing someone's favorite piece of clothing instead of replacing it. I also document the entire creative process. Customers can watch their item being made from start to finish. That content builds trust, grows with the brand and the creator, an additional source of income through social media. Eventually, I want to offer nationwide mail-in repairs so people can restore the clothing and the bags they already love instead of replacing them.

Starting point is 00:30:03 Why I'm seeking investment? My biggest challenge isn't making the products. It's growing the business. An investment would allow me to improve my workspace, purchase equipment, and materials, build a professional website, and consistently create content that reaches more customers. I'm not trying to build another fast fashion company. I want to build a brand that celebrates craftsmanship, sustainability, and creativity while proving handmade products still have a place in today's world. With the right support, I believe this business can grow into something much bigger than custom bags.

Starting point is 00:30:42 Any questions? What did the bags? This is one that I made for Caleb. Okay. So it's got like a zipper. This took me about eight hours. So it's got like zipper here, zipper here. And then on the inside, it's got a place for a laptop.

Starting point is 00:31:04 And then there's a cord bag in there, too, that I made. Hmm. So it's like completely customizable. There's a water bottle pocket on the side. There's places where you can clip things. And how much does this cost for you to produce? This only costed me $12. Costed, $12.

Starting point is 00:31:24 And what do you sell? it for? I sell it for around 150. Wow. So that's a premium product, 150 bucks. Vanessa, is this a new business? I mean, are we still in the conceptual stage? How much, how much revenue have you had come through in sales? I'll be honest with you. It is quite a newer business. I've had about eight bags sold so far, but I've been going live on TikTok and just sewing and making stuff. and people are so intrigued by the process of me making these bags and they get so interested in them,

Starting point is 00:32:01 you know, eventually they're like, hey, I would love to order a custom bag from you. Okay. Or something as much as like them sending in, like maybe their favorite pair of pants, and I can make that. So how many followers do you have on TikTok that you're showing this all too?

Starting point is 00:32:14 At the moment, it's only 700 that I'm showing you to. Okay, and just to bring other sharks up to speed, Have you ever had another TikTok? I have had another TikTok, and I had like 15,000 followers on it. That's interesting. What happened? It did get banned because I was doing content creation, adult content creation. Oh. And so it got banned for that reason.

Starting point is 00:32:43 So here's my thoughts. I'm going to tell you how you actually grow this business. I think it would be very unique if you show yourself making these bags, but you make just crazy custom one-offs, you document the process. and then you sell it to the people who are watching. Like, I see people do this all the time with art. They create these amazing art pieces. They document the process.

Starting point is 00:33:01 Some of them get a lot of views, and then they sell them. But I don't think this is quite a business that you could scale easily unless you just happen to go crazy viral. I do want to know. How did you come up with your valuation? You said $5,000 for 5%. Yes, $5,000. So that would be for all of, like, sewing table, cutting table.

Starting point is 00:33:22 I understand that. Where did you get to about $100,000 being the value of this company today? I never said it was $100,000. The offer says it, though. $5,000 for 5% which would be $100,000. That does make sense. So is it, is the valuation coming down? Yeah.

Starting point is 00:33:43 Okay, good. I truly don't know what my business would be worth, but I do know that I can create really good pieces and really connect with these people because these are like stories that you're telling through these these workwares and everything I've made a I've made a bag out of my dad's old you know clothes like some of his old pants and that was a story because in those pants he did a whole bunch of things and so that turned into a story that turned into something bigger I would love for people to be able to send in what did he do in his pants well he just got to like go interview a lot of

Starting point is 00:34:22 really cool people and like that just that day was like a special day for him that he wore those pants for. So you know what it costs to produce this bag, but do you have shipping under control? Do you understand the costs around that? So shipping would be around like five-ish dollars, but they would be giving me half of the deposit up front and they would be covering the shipping cost. Vanessa, I would be curious how many bags could you actually make an a year because let me let me lay it out is I wonder where we are on the chicken versus the egg what came first is if you should create your following so that you can then charge a big enough premium if you had enough followers because you're probably not going to be able to create a ton of

Starting point is 00:35:09 these bags since they're all custom and one off and I'm just worried if you don't have the audience first you're not going to be able to charge the premium so it's not a viable business Does that make sense? Yes, absolutely. And I can, I literally within two weeks got that 700 followers. I just go live on TikTok. And unfortunately, I did get just a ban at the moment on my TikTok live because I was adjusting my camera. And when I went to like reach behind it, it was just my cleavage that was in view.

Starting point is 00:35:44 And I've tried to appeal it. It's been an approval for literally three days. I'm still waiting. Was there... Wait, is this the 700 or the 15,000? This is the 700. Okay. So we're already on the brink of the 700 going away.

Starting point is 00:35:58 No, because that was my first restriction. And that was totally user error, just not realizing where the camera was facing. Now, once we get these followers up, if you're able to get these followers up and we're able to sell enough bags with the, say, I provided 5,000, have we considered, instead of you making them, having... a child in Asia or Africa making them for a couple cents. See, but why do that? Why do that when I can make them? And I can also make these like, just like baseline products of just like, oh, this is a cute little shoulder wrangler bag.

Starting point is 00:36:39 And I can just make a couple of those so that those are just sellable. So how are you currently paying your bills now if we're not making as many bags today? I want to know, I want to make sure that the person I'm investing in is able to take care of their life. All my bills have been paid for for the most part. How? How? I am getting money from men online. To do what?

Starting point is 00:37:03 Well, you know, it's adult content creation. That's how I make money and that's how I'm spending my bills. So unfortunately, I believe in your daily life that you're a whore and for that reason, I'm out. Just in my daily life because I decided my body was worth someone spending money on it, you're out? I'm out. Okay. But you still have five sharks, four sharks left. All right.

Starting point is 00:37:33 So here's where I think. I'd be going in on the content creation. I'd be making the bags. I think if you spin up a unique story with the jeans, with someone sends you something, you document the process, I could actually see you selling these things. I think you could grow a following, showing the cool stories behind it, and actually do well at it. But the problem is that you could only make so many bags in a year. So the only way to scale this, in my opinion, you sell a really premium bag that's handmade, kind of like ZHC.

Starting point is 00:38:03 This guy would do custom art on like iPhones and stuff like that. Scale that up, and then eventually you offer a mass market product. But you making them yourselves is going to be pretty difficult. But not to say you can't make money on it and grow a following from it, but like scaling that beyond just yourself is going to be a longer process. Yes, and I don't expect for it to happen overnight by any means. I know that this would be quite a long process, but sewing has been the one thing that's been, like, very consistent in my life.

Starting point is 00:38:32 I've been doing it for six years, no matter what, like, that's just where I go to is sewing. And I love making things for other people, too. I just, I don't make things for myself. I make things for other people. And Vanessa, I think that anybody who can actually, actually create something with their hands that has a value. That's something to be commended and to be respected. I think I'm out just because you're doing this at the wrong time,

Starting point is 00:38:59 meaning that you have to get the following exactly where Graham was so about so you can charge the premium that your hard work is worth. But lean into your talents of what you can create with your hands and create the monetization and try to because I worry some of the ways that you've made money in the past, That's only going to be a moment in time. And I want you to actually develop and lean into your talents of what you can create because that's going to just have a lot more longevity. It's actually going to be more sustainable for you.

Starting point is 00:39:29 And you probably can create your own little cult following that lets you get the crowdfunding by charging that premium. But I wish you the best, but I'm out. Thank you. Here's what I would do. Instead of money, I'll give you my email. And feel free to email me if you have any questions. I'd be happy to email you back, give you my thoughts on something.

Starting point is 00:39:52 And I think that would be worth way more than $5,000. I really appreciate that. Grammar, you out? Financially, I'm out, but email is in. Well, Vanessa, I think you're very sweet, and I think it's really cool that you're talented. But my worry is that the marketing strategy could disappear over something that TikTok doesn't like. And also my portfolio is already carrying enough baggage. So for that reason, I'm out.

Starting point is 00:40:19 Thank you. All right, Vanessa, this is Humphrey. How are you? Good. Financially, I'm also out for similar reasons, as the other sharks have said here. But to answer your question about how to value your business, at this current time, it takes you eight hours to make a bag. So in a single year, presumably, if you worked every day, you could maybe make 250 bags, you know, normal working hours. And so if each bag is $150, your annual revenue is $37,500.

Starting point is 00:40:53 And so if you're making $37,500 from making these bags full time, first of all, that's not even enough of a wage for yourself, I think. That would be really tough because that's just revenue. That's just not your costs. And then the other thing is that if you were to value it at, say, one-time sales, so your business would be worth $37,500. But let's say at the high end, it's worth $1.5x or $2.0.0.4. sales, you know, you're kind of looking at between 56K and 75K is what your business is worth.

Starting point is 00:41:22 I just don't think it's that worth it for me to invest in it, but I think it's got a cool story. And I think if you can grow your following and charge a very high premium for the bags, let's say their artwork instead, you know, maybe it costs you 50 bucks to make, but now you're selling them for $1,500. That could be really interesting. And people would buy it because of its association to you. I think that would be really cool. your focus is maybe not so much on the price of the bags for now, but just really growing your

Starting point is 00:41:50 online persona so that one day maybe you can charge that premium, and then that would be interesting. But as of right now, I don't see it becoming a mass scale product. I appreciate y'all's time. Thank you so much. Vanessa, you got some good advice today, and unfortunately leaving without an investment, but we can see you have some big hustle in you, and we wish you the best. Thank you. Okay, so it unfortunately looks like the bad company is not going to work. Honestly, I was having fun with it and I wanted to get their reactions with me calling a whore.

Starting point is 00:42:26 But like in reality, I think Humphrey, especially at the end and it really gave some good advice. It really isn't scalable. No. Were you joking with the 5,000 for 100, for 5% or was that what you were actually thinking? I just do with chat GPT's numbers. What did you feed it to get valued at 100,000? We had a whole project going on, but it's okay, but it's okay. I learned a lot of lessons from it.

Starting point is 00:42:53 I learned a lot of insight. From what? From what? From that conversation? Yes. It actually was more value, but I was thinking I was like, this is going to be a good bit, but I think, no, I think, I mean, what did you learn? Because I think you shouldn't pursue this.

Starting point is 00:43:05 First of all, like. A hobby. It's a hobby. It's a hobby, but I think it'd be like a cute side hobby. Yeah, side hobby. but we're not pursuing the... So this is my concern for you, right? It's like, okay, you're being a whore

Starting point is 00:43:16 and, like, that's not gonna be great long term. Taking the old dudes pee-p., you know, selling online. That's just... Is that what you want for the rest of your life? No, and that's why I haven't... That's not gonna work out. Why? We already went over it.

Starting point is 00:43:32 You don't stick to things long enough. You're not that entrepreneurial type person. That just... Majority people that try to get into real is they don't do well. Majority. Yeah, I don't know. why do you think you're going to be a unique butterfly in that?

Starting point is 00:43:45 Okay, fine. Why do you think it's going to work? You ask why I think it's not going to work? Why do you think it's going to work? Because I think I'm very good at selling a house. People need a house. And, you know, if they want it, they want it. If they don't, they don't at the end of the day, you know?

Starting point is 00:43:58 Wow. Okay, you're going to kill it. You're going to do incredible. Girl, you literally, I'm being told you quit jobs consistently on day one, that you leave during lunch if you don't like the vibe. By lunch. Yeah. Girl, real estate, you weren't the amount of effort in shit

Starting point is 00:44:17 you have to fling for the longest amount of time to make it. Okay, so there is no actual path. Not necessarily. The more just ideas. So what, we just live at home? Yeah. That's it, that's your life? Yeah.

Starting point is 00:44:36 No, going forward. Because you don't have anything real. I'll get you a course career, certification. A lot of people use those to get great certifications in tech or trade and convert them into six figure jobs. People have done it in the audience. So you can do that as well. But, I mean, besides the certification, do you want to be going to go to college? Like, what the

Starting point is 00:44:56 fuck are we doing? Like, my big dream always, like, what I wanted to do. Okay, dream, sure. With forensic psychology. Okay, well, are you going to go, have you gone to college? Have you done any college? I haven't done any college. Well, at least when people are doing OF, they're using it to pay for college. You could strip through college. Paying for food. I don't want to recommend people to... But you live at home. Your parents own grocery shop? You have to pay for your own? Yeah. You have to pay for your own. Yeah. Hey, you're getting a Lambo. Maybe. One of my favorite partners is back with a vengeance.

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Starting point is 00:48:13 One out of every 10 that your tub comes with my face on it. All you need to do is head to Gmerstubs.g.g. slash Caleb or click the link in the description below. I don't have Wi-Fi either. My Wi-Fi. My dad shut the Wi-Fi off for all my stuff. So you'd rather stripped and flip burgers though? Yeah. Why?

Starting point is 00:48:33 Because I've done food jobs before. You're 24. I mean, you're not that old, dude. What have you done? A lot. Well, yeah, because you quit everything on day one. I've got experience. What?

Starting point is 00:48:47 Let's see. We've got the tanning salon. I worked there twice. I thought we were talking flipping burgers, okay. Bagel place. That was where I did my food. I've worked at Steinmire. I've worked at, I was a leasing agent.

Starting point is 00:49:02 I was a housekeeper. So long as you've stayed somewhere? A year and a half. I'm losing. I hope a little too early on. a little overqualified for some jobs, you know? How? How are you overqualified?

Starting point is 00:49:15 You know, I was a leasing agent. Oh, okay. And so I don't want to go work at McDonald's now. What? That's a McDonald's real estate. Yeah, but I don't want to go be in there flipping the burgers and everything. I'm too cute. People make careers there.

Starting point is 00:49:31 I'm too cute to be doing stuff like that. I want to wear nice dresses. I don't know what you look like out of there, but you fucking cake to death, dude. I don't know what's going on. Fake to death, you can wipe, you can wipe. There ain't nothing. There's no makeup on there. All that fake.

Starting point is 00:49:46 There is makeup on there, obviously, but there's not as much as you're saying it's caked. Come on. Oh, what are we doing here? Okay, sure. But why don't you look down on fast food workers? Oh, no, looking down on them by any means. Well, you said you're overqualified because you're a leasing agent.

Starting point is 00:50:02 That's looking down on them. No. I'm saying I'm overqualified to flip burgers. Girl, your Factor Pepper can is just showing how much makeup you're wearing. Look at that on the fucking edge of it. On lipstick. That's lipstick. Yeah.

Starting point is 00:50:15 I mean, you're just going crazy. What do we think the percentage chance of getting this new job that you're interviewing for? Pretty high. They were asking like, how soon can you start? And I was like, as soon as possible, they were trying to get an interview. Are you actually going to stay there? Yeah. What is there to look forward to for this job for you to stay there?

Starting point is 00:50:35 Because I need you to stay there and make money. college town. So there's like younger guys and I have a little bit of a mommy kink and what does that even mean? I just, you know, what does that mean? I just like to be called mommy. Do college guys like calling women mommy? I didn't do that while I was in college. Is this? It's a whole different thing now. Everything's like mommy. Mommy. Mommy. I'm guessing Texas tech because it's like the only one out there. Okay. You're going to stay. there because there's young college guys. Plus, it's just, that's just a good

Starting point is 00:51:13 place to, like, it's college kids that are looking for a place to stay. Of course, they're going to need an apartment. Like, so of course I'm going to be getting constantly, like, doing tours and doing things. So it's like, it's less money. I mean, it is less money, but it's a job. It is a job, and you have nothing right now, and I need you to

Starting point is 00:51:29 stop being, I'd rather you be a whore just consenting to casual sex than selling it, because it's just so, it's not good for your life and long-term damaging. So, I mean, That's fine. If that's where we're getting like, I'm okay with that. But that's, I mean, crazy. And fine. Yeah, cater to your mommy king.

Starting point is 00:51:46 That's never even heard of it. I think it would be fun. It would be interesting. You'd meet so many weird new people and lots of cute guys. Weird new people because you're in a college son? Yeah. Because it's all like, well, they're weird. It's like ranching and stuff is like really what they're focused on. I don't get it.

Starting point is 00:52:06 Okay. Yeah. You do you. I just need you to make a fucking. income. Yeah. I mean, that's the critical thing here, right? And I need you to get, do you want to get away from... Yeah.

Starting point is 00:52:15 You do. Yeah. Okay, why? Because I don't like it. Okay. Well, there you go. Okay, well, that's actually good to hear. My goodness.

Starting point is 00:52:24 So when you meet up with Mr. 70-year-old or whatever, you don't actually like it. No. Okay, good. I just need to pay my phone bill. Good fuck, dude. You know you're right?

Starting point is 00:52:38 Okay. In theory, I never agreed to that, you know? I never agreed to that. I didn't. I didn't. I simply just shook my head. What? It's a mutual spoiling. Sure. Yeah, okay. So tell me about your finances today. What are we looking at? What has it been like in your adult life? In my adult life is pretty much been paycheck to paycheck. But, I mean, I wasn't always bad with money. When I was 17, I had... 17? When I was 17. In high school. Okay. I had $20,000. How?

Starting point is 00:53:12 Because of the COVID money. What? So I was getting paid to be at home for COVID. You were 17. Why were you getting paid? What? Well, because, like, it was like 17, like turning to 18, right? High school students were getting paid?

Starting point is 00:53:25 Well, because, like, it was 2020, yeah. High school students were getting paid? Yes. Were high school students getting paid? I was getting paid two grand every two weeks. What the fuck? Were you a senior in high school? Mm-hmm.

Starting point is 00:53:37 What? So I was able to save up a bunch of money because I wasn't ordering online or anything. And so I got like 20 grand saved up. I have to fact check this. Are you sure you didn't commit some kind of fraud? I've never, I did not. I wasn't in high school at the time.

Starting point is 00:53:58 And I guess I don't know many high schoolers, but I have not heard of this. Yeah. Okay, so you had 20,000. I'm going to see if that's valid that you got it. But even still, you had it. What the fuck happened? So then I,

Starting point is 00:54:10 bought an ambulance. Okay, what is what the on the show and buying ambulances? It was five grand and I refurbished it spent about three grand

Starting point is 00:54:20 refurbishing it. What are we doing? I was a tiny home. No high school seniors who were 17 year old during COVID did not receive 2000 did not what you did.

Starting point is 00:54:29 What fraud did you commit? I really don't know now. First round, CARES out of $1,200 per eligible adult, which you weren't. Do your parents not claim you for taxes?

Starting point is 00:54:38 Were you considered your own dependent? Um, no, because you live with your parents now. Of course they claimed you as a dependent. Why wouldn't they? Third round American Rescue Plan. Second round. What the f what is that? The first round, 17-year-old claim is dependent generally qualified for neither.

Starting point is 00:54:54 I don't know. I don't know. What the fuck? No, you committed some kind of fraud, dude. A hundred percent, IRS. What the f***? I was just like. Do you know you committed fraud?

Starting point is 00:55:06 No. I did not know. What did you do? Did you sign up? for something? It was like through like the Texas something. And I don't even, I fully don't even remember. But it was my friend just told me like, hey, put in here that you can't work during

Starting point is 00:55:23 COVID and you can get paid. Yeah, for adults. And what happened to the money? So then I spent it on the ambulance. And then I stayed in the ambulance one night. And my dad came banging on the door just to joke with me. And it's gosh, yeah. me and I never slept in it again.

Starting point is 00:55:44 Didn't even? Well, you didn't blow the full 20 on the ambulance. The numbers didn't add up. Nope. So then I moved out. Yeah. And then it was just gone. Not where to go.

Starting point is 00:55:55 Rent. Groceries. Well, you're not working? I was working at the time, but then I was in between a job because I was waiting for school to start. So then I was just living off of that for a little bit. No, no automatic $2,000 amount check. He says was 17-year-olds who said they could not work during. COVID. Pandemic assistance, the BAU, unemployment assistance, in Texas specifically both ran

Starting point is 00:56:20 regular unemployment and PUA. No, dude, you've totally committed some kind of fraud. Well. Yeah, nothing in the state of Texas either. Pandemic UBT, some school, no, what the is happening here? You blew down an ambulance, did you sell the ambulance at least get some of the money? So I sold it to my dad and my dad pays for my car insurance. every month. What? What's he doing with it? I don't know.

Starting point is 00:56:47 It's literally just been sitting there for a while. What did you get from your dad for it? Just, he pays for my insurance. For how long? For five grand. But neither of us are keeping track. So I'm just hoping you're just like... A little bit, yeah.

Starting point is 00:57:01 Come on. Come on. So you're receiving money from the government. You did and you got fraud. Let's ask the age-old question on financial audits, especially as a contractor or just whatever, but you do. Do you pay taxes?

Starting point is 00:57:18 I have not filed my taxes. I haven't filed. In the past two years. Why? Why? Because I didn't have money to go get it filed. One was it one year. It's free. It was free if you know what you're doing.

Starting point is 00:57:32 I don't know what I'm doing. But it can go against your return on like turbotax and stuff. I tried it and it just was difficult, so I just didn't do it. that's not how this works you may have actually gotten money back because you're poor I don't think I got money back well you didn't file so no you didn't you didn't give or get

Starting point is 00:57:53 yeah yeah oh and then this year I just I'm because I had Medicaid so like I wasn't going to get you had Medicaid so I wasn't going to get you choose to quit jobs because you're entitled and we give you Medicaid because of your choice I'm okay with government programs

Starting point is 00:58:11 I really am. For people that fall in hard times, you didn't. You chose to leave. Why would we support someone who's choosing to leave? Wait, that's probably also... Why do you get Medicaid? You weren't laid off. You weren't fired.

Starting point is 00:58:22 I got Medicaid when I was working at the apartment complex just because I wasn't making enough. How many hours a week were you working? I was working 40 hours a week, but according to like... Okay. All of it. I qualified... No.

Starting point is 00:58:34 Thank you. I mean, because you're just choosing that to work. You literally are like, I won't let burgers. I'm better. I'm overqualified. for burgers. No, you say I'm overqualified for burgers. So why would I give you assistance if you're not willing to go get a job? Go fuck yourself. But I am willing to get a job. I'm just not burgers. Just not burgers. You're picking and choosing. If you're picking and choosing,

Starting point is 00:58:53 then we should not give you anything. I'm absolutely picking and choosing because it's where I valued. Good. And we shouldn't value your picking and choosing to give you benefits. Are you on any programs? No. Well, okay, you haven't filed taxes on a couple of years. So I don't know if you could, honestly. You got money from FASFA, but did you use it for school? Wait, you told me you didn't go to school. I didn't go to school, but I just like randomly one day just put it in the FASFA to see if I got money from it

Starting point is 00:59:21 at the beginning of this year. This year? Yeah, I didn't. And? They said like I qualified for money. I haven't done anything. What are we doing? Just end the United States.

Starting point is 00:59:31 We can't manage anything clearly. We just hit our record number of people out of work in this country. You're not even just unemployed. People who just aren't even doing anything. And we're just funding that way. And we're totally okay with it. We're totally okay. And no one gives a f***.

Starting point is 00:59:46 We're so done. How much did you get? I don't even remember. I didn't actually take the money. But it said you were qualified for it? I was qualified for it. Yes. Why didn't you?

Starting point is 00:59:56 I'm glad you didn't. But why didn't you? Because I didn't know if I wanted to go to college. So it was in relation to college. Yeah. Because I wanted to go for forensic. Are you accepted anywhere? Forensic Psychology.

Starting point is 01:00:07 Were you accepted anywhere? No, college. Okay, so it was for college. Yeah. Oh, well, you made it sound like it wasn't for college. Yeah, no, yeah, it was for college. Well, okay, well, then I'm not opposed to it. You very much made it sound like it wasn't,

Starting point is 01:00:19 and you didn't get anything dispersed. Mm-mm. Okay. I mean, yeah, you could totally scam it by getting, like, accepted into a community college, which everyone is, basically. And then saying you need money, so you borrow money and then use it just in your life. You could totally do that.

Starting point is 01:00:36 Don't. I won't. But you could. Okay, what do you think your financial score is zero to ten? Zero being the worst, ten being the best. My financial score? Zero being the worst, ten being the best. Two.

Starting point is 01:00:49 Okay. If you want to see where you stand in the world of money, take the Hammer Financial Score assessment. It is free, just takes a few minutes, and it's new and improved. So if you've done it before, take it now, and you can see where you stand in each category and high level is a detail in what you need to do to improve it,

Starting point is 01:01:03 check it out. Calebhammer.com. And if you don't want to be like a guest who ends up on the show, one don't be a whore to download dollar-wise. Take the free trial, see if you like it, tens of thousands of monthly active users for a reason changing their lives like you can right now. And then most of them take the annual version

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Starting point is 01:01:32 Excel Energy. I'm being told that this is required to pay back before you can even rent the apartment again. Maybe in your own words or what? I don't know. Yeah. Tell me what's going on. Excel Energy, that's what most apartment complexes go through at least.

Starting point is 01:01:47 So I have to pay them. Oh, that's where the rent payment is, goes through? Is it utility? Yeah, utilities. Oh, in your area maybe? Yeah. So, like, I have to pay nine. They said that.

Starting point is 01:01:59 Oh, so you have to pay that before you can start service again. Yes. I can't start service again. That's not unfair. And you make, dude, if you ride two old Peepees, you pay that and I don't want you to I'm not advocating but I'm just saying why haven't you because you live at home I'm confused because I just like to spend my money well there you go so you don't give a fuck getting an apartment I do though you don't you just like to spend money

Starting point is 01:02:25 you're not saving up for a first month last month you're not saving up for a security deposit you're not saving up for next year I'm just looking for that momentarily happiness you know when you open a package does it not bring you happiness uh a little like guess. It's a nice little dopamine hit, but I can afford it. You literally owe back pay on energy and you can't restart a utility payment until you pay it. And you live at home and you're a whore and a... So... It's a mutual spoiling. It's not... Uh-huh. What happened? When did this happen? When did what happen?

Starting point is 01:02:57 The energy, dude? 900. That was the first... That was the first apartment complex. Oh my. First ever. You ever been an adult? The money you didn't earn once when you had 20,000 setting aside was literally getting something in a fraudulent way. Other than that, you've never, and that's not an accomplishment, but other than that, you've never accomplished anything in your life.

Starting point is 01:03:21 I have. I've accomplished a ton of stuff in my life. Tell me. Please. What? I'm still here. I'm still here. What?

Starting point is 01:03:28 Okay. The basic minimum human accomplishment, staying alive. Yeah. That's a big accomplishment. in itself. That's the most basic thing ever. Yeah. Really? When I ask you say you've accomplished a lot and I ask you, what have you done? That's the one thing you can say. You can't say one other thing. I did, I lost about 90 pounds. Oh, you were a fat. Yeah. Okay. Show me the before. Let's see.

Starting point is 01:04:01 Well, no, no, it's actually really good because I mean, yeah, you look good. And it's right that people get to keep the tits, right? Yeah, because at first I didn't. I'm sure, unfortunately, now I'm sure that they go down to your legs, but... No? Them house still perky. It's actually impressive. Maybe because you did it young enough.

Starting point is 01:04:22 I don't know. Well, she's because I had extra, extra large tities, I suppose. Oh my gosh. Yeah, you were a big girl. Mm-hmm. Yeah, let's get this and put it on screen. Yeah, not like morbidly obese, but you. You're definitely big.

Starting point is 01:04:38 I'm actually surprised that as an extra 90 pounds. I had a roll for sure when I sat down. Okay, no. I mean, okay, so what that indicates to me is that you're somebody that can stick to discipline of some kind. Yes, I absolutely can't. Now, why haven't you been able to financially? Because I don't really know what I'm doing. Well, how'd you know what you're doing with losing weight?

Starting point is 01:05:01 Because it's simple. This is simple. How did you learn the simplicity of that? just, I mean, working out. Just, you figured it out. How'd you learn? I just figured it out. How?

Starting point is 01:05:15 Just going to the gym and doing it. What about the dieting and everything? There really wasn't any dieting or anything. What the fuck? Okay, so how'd you learn what workouts work and the calorie deficit and all that good stuff? Just looking it up online? There you go. Why haven't you done that with this?

Starting point is 01:05:29 That's the exact thing I'm trying to say. I don't know. It's very basic. It's just like. You spend less than you make. That's it. Yeah. So why did you not pay this?

Starting point is 01:05:46 This was your first apartment. Why did you not pay it? What happened in that moment? So I lived by myself on the apartment complex and then just had like big life incident happen. And then I had to move in. What was your rent? Rent was 800. What was your big life incident?

Starting point is 01:06:04 Just like mental health stuff. And so then. Okay. It happens. And so then I had to move in with a roommate. Okay. you had a move in with a roommate. And then the roommate somehow, I don't know how at all,

Starting point is 01:06:17 but $500 later was like the electric bill. Why did you make them responsible for paying the electric bill and not having your eyes on it? Well, I did have my eyes on it, or so I thought. Or so I thought. I was keeping up with it and everything was always paid on time. I was never late, never not once, was I late. But then I just lost on my mom.

Starting point is 01:06:39 Okay, so when $500 hours popped up, why did you not figure out a way to take care of it? Instead, you were just like, no, let me, the next years of my life. Because I was moving in

Starting point is 01:06:48 with my fiance, and I was like, I don't need it. Oh, the fiance. Oh, my goodness. I can't believe you were engaged. Okay. Shit.

Starting point is 01:06:56 When was the engagement? How old were you when you got engaged? The engagement was last year. It ended in January. Of this year? Yes. And you got engaged what month last year? Um,

Starting point is 01:07:09 Well, we were together for like eight months he proposed after five. What? Okay. Why did you get together so quick? Why did you say yes? Um, it's just kind of like on the spot. I wasn't ready for it, you know? So say no.

Starting point is 01:07:26 That's hard. That's a hard thing. I thought, I thought, yes. Okay, then you should have been putting yourself in that situation if you literally can't say no. I thought, well, it was like I was financially dependent on him. What the fuck? Why? What were you?

Starting point is 01:07:39 doing for work? Well, he wanted me to stay home. Okay, but you guys weren't married. So why would you be staying home yet? Were you still fat? Mm-mm. Okay. He just like didn't want me to, because he thought I was going to sleep with my coworkers or sleep with random people. And he just was a really insecure. And then why did you break up? Well, yeah, he said, don't my friend and then you f***ed his friend, literally last night. After. Yeah, but come on. It's crazy. Are they, still friends? No. I don't think so. It's crazy. Okay, go on. And so then, um, oh, friends, multiple. You have multiple of his friends. Yes. How many? Three. Why? Why not? That's crazy behavior. You're clearly like targeting them. No. There's just like who I know. Are they all friends?

Starting point is 01:08:34 They, yeah. Does he know? No. Why? Because I didn't tell him. them. Did they? No. And you just text them? No, I was just like, they asked to hang out. Okay, they wanted to obviously.

Starting point is 01:08:50 Yeah. They asked to hang out. You don't hang out. I mean, it's clear. Oh, he caught you cheating. No, I never cheated on him. But when our relationship ended, so what it was was my coworker had texted me

Starting point is 01:09:03 because I did get a job at a vape shop like, towards like the end of it. Okay. And my coworker had texted me. I didn't have his name or his number saved. He had never texted me before. He had texted me. And so then he looks on my Apple Watch and he sees that there's a guy texting me and he's like, you're cheating on me.

Starting point is 01:09:25 Like I know, I was always accused of being, like, cheating on him. Yes, you're a whore. I never did. I never did. Never, not once. Whatever. And I just told him like, yeah. I'm cheating on you.

Starting point is 01:09:40 Just because, like, I was so emotionally exhausted in that relationship. I couldn't do it. Because of all his, like, oversight? No, because he was crazy, too. In what way? I mean, there was one time where he was, like, you want to see what real pain looks like? And he started cutting chunks of skin out of his arm. If you want to land a high-paying job but don't have experience or a degree,

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Starting point is 01:11:46 What is the desert doing to people? We're losing our minds. We're losing our minds. Wait, but then why'd you get back within last month and being told? Because we have such good sex. So I just hooked up with them. We just had the best sex. You have AIDS.

Starting point is 01:11:59 No, I don't. There's no way you do. No, I don't have it. The amount of people you get. You're over exaggerating the number a little bit. Oh, I'm just going from what you've said. Show me y'all's talking. Me and him?

Starting point is 01:12:12 Uh-huh. I don't even know if I have it still. I think he deserves to know. I'm going to call him in the Post. I'll let him know. Oh, dear God. When did you fuck his friends? Like, a month after.

Starting point is 01:12:27 Okay, so it was before you f*** him last month. Yeah, pull it, pull it. You can search his name. You got an attitude problem. Who? You. Oh, yeah. No, I deleted it.

Starting point is 01:12:43 Your text messages with him? Yeah, I did. Why? Because I got tired of seeing his name on my phone. But you just rekindled? Yeah, he called me. He called me because we passed each other, because I always have to drive on the road where he lives.

Starting point is 01:12:57 And so we passed each other. He called me. Oh, wait, you guys went on a trip together, too. What the fuck are we doing? Yeah, so then, like, randomly we just, like, went on a trip, and we kind of, like, I thought we were rekindling. but then he like ghosted me as soon as we got back. Dude, he cuts his...

Starting point is 01:13:11 Why would you want to be with that? Because I'm love blind. You're... Love blind. You're a whore. You owe... Wrong. I guess...

Starting point is 01:13:25 It's fine. I've been a whore. Everyone's a whore. It's one of a thing. I don't know. $276 in collections for something. I mean, I don't even know what it was for. Do you?

Starting point is 01:13:35 $2,000? $2,000? $276. That... Take a look at it. There is a medical one coming that is 2000, but take a look at that. That one is from a buy now, pay later. Why? Those ones got me.

Starting point is 01:13:51 When? When I worked at the first apartment complex. Oh, my goodness. What were you getting? Hair extensions. Not even worth it. How many? Why? Because that's when I was filming from.

Starting point is 01:14:10 Fuck, so did you ever even make a profit? Yes, I did. Bullshit. I just didn't pay him back. Yeah, I mean, bullshit, we got like a lease over a thousand, $1,300 in bullshit spending last month. Yeah. You make $2,000 a month. You're never going to be able to survive.

Starting point is 01:14:26 You're never going to be able to survive. You just let everything go to collection. So what is this? Is this a medical thing, 2030? Yeah, it was just an ambulance ride. For why? Because I just needed to go. And they said, why?

Starting point is 01:14:38 They said you can either ride in the police car. To you. I had a moment. Okay. Banging her head against the wall as usual. Essentially, pretty much. And so then Baker acted me. They said you can either ride in the ambulance or the police car.

Starting point is 01:14:56 And I didn't want to ride in the back of police car. And I didn't think it was going to be $2,000 for an ambulance ride. They didn't do anything. It just took me. When did this happen? Like two years ago. And why did you never set up even a payment plan or anything? Because doesn't it fall off after seven years?

Starting point is 01:15:16 Like medical stuff? Collections in general, but collections can sue you. And court can garnish your wages. Well, that's ridiculous. It's because I wasn't going to pay $2,000 because I got Baker acted and they took me to an ambulance. Because you got what? Baker acted. What?

Starting point is 01:15:31 Baker acted. I don't know what that is. If you're a harm to yourself or others. Oh, I don't. I don't. Okay. Then they take you away no matter what. and then you have to see a judge.

Starting point is 01:15:43 Did you? Yeah. And said you didn't have to pay? Well, no. They take you to like a mental hospital. Okay. I can't figure it up. Okay.

Starting point is 01:15:56 Okay, what do you owe for a thousand three hundred eighty-eight in collections? Um, that is also just bullshit spending. Yeah, but what is the account? Uh, a firm? It was, uh, I did buy. like a pretty big sex machine. Machine? Yeah.

Starting point is 01:16:17 What is that? I've never heard of this. You can like suction it to the floor and then it... The machine? The machine. And then you can like angle it, whichever way you want it to go. Then you put on top, you know, like on top of it, you know, you can either suction something to it or they have attachments that you can use. And it just...

Starting point is 01:16:35 You are the horniest person. I think. Yeah. Can I see what this looks like? Yeah. Without you attached to it? Yes. So a f-the-machine went to collections.

Starting point is 01:16:54 Yeah. Well, America. What an interesting time we live in. It was a great purchase, though. I will say. You use it constantly? All the time. Okay.

Starting point is 01:17:11 This is better than getting AIDS. So it looks like that, but there's more like a... Attachment. Why would this be something that you're like, yes, let me just bend over in front of this. This is crazy. And then there's other ones. There's other ones where it's got like, like the rabbit ears and everything. Like, there's just different toys I go with it. You can put like a creature cock on there. Huh? A creature cock. I don't know. Is that like of a... A cock of a creature? Like a tentacle or like there's a... Why would you want that?

Starting point is 01:17:46 Because it feels good. That's so weird. Okay. A hundred ten. in collections. What? That's just another. All of those are buy now, pay later. All of them. Okay. Into your actual spending.

Starting point is 01:18:01 Yes. So this is stupid. In your checking account, you started with negative $17.76. Mm-hmm. No, that was all your money. Sorry, negative $22. $24.

Starting point is 01:18:13 Ended with negative $22.85. Why? Why start in a negative? Why do the, this to yourself, you will never leave home. You will never leave home. Kurt, I don't even, where's like the spending page? It must be in there, but what the fuck is going on? Why would you spend money if you're negative? Just just flat out. Where's the logic? Because I need gas. I need food. But so you will never move out. I will move out.

Starting point is 01:18:45 Align that. Align that with the current situation. Tell me how. Is the current situation right now? No, it's not going very well. But you're someone who spends more than when they than they make with almost no overhead. So how the fuck are you going to survive on your own? You already didn't pay your electricity bill. I've already survived a month without a job. Living at home? Yeah.

Starting point is 01:19:05 Are you not connecting this? How are you going to survive on your own? You couldn't last time. I did though. I did. You still owe on your electricity bill from then. That was only just because I moved in my ex. And so I just, I didn't. have a reason to pay the electricity bill. Morals?

Starting point is 01:19:26 Yeah, we know what the f*** isn't. Huh. Mutual spoiling. Yeah, what happens if that 80-year-old dies? I sort of said. Click credit karma checking account? That's a thing? Yeah. Whoa, okay. Did not know.

Starting point is 01:19:47 Beginning balance 671. Okay, it's better than last time, but I can't see your ending balance. Oh, $1. One singular dollar. We're door dashing and Walgreens? A lot of morning after pills, I assume those sliding down on the throat.

Starting point is 01:20:10 No, I've got a next one on in my arm. Walgreens. Okay, what are you stopping at Walgreens and getting for $2.883? Like lashes. You don't care about it. You will never survive. You're never going to leave. You're going to be a home and a loser forever.

Starting point is 01:20:29 Walgreens again, lashes. Door dashing. Great, great, greatamer? Great Amor? Hello? I don't even know what this is. Great, great Amor. Oh, Great American cookie.

Starting point is 01:20:43 Your door dashing. You, dude. Dude, you literally don't have a job in your door dashing. Yeah. I'm door dashing because I'm hungry and, because I'm a piece of shit car. And I'm in the- Piece of shit car to the drive-through. Piece of shit walk to the kitchen.

Starting point is 01:21:01 But I don't have food there. Go take your piece of shit car to Walmart and get some groceries. But then if you don't have gas money, and it's at least 15, 20 minutes. How are you telling me you're getting a full tank of gas worth of door dash in one sitting? It doesn't make sense. It's like $12 to DoorDash, but... Get $12 of gas. It'll last you a second.

Starting point is 01:21:22 Exactly a second. More than that meal. But I'm hungry now. Oh, my, dude, you're broken. Okay, good luck, good luck. Good luck. Tootin totem? Mm-hmm.

Starting point is 01:21:33 I got a fountain drink. Oh, is that more important than living on or on? I don't get it. Yeah, make your drinks at home. You can get the caffeine-free version or the energy drink version. That's the energy drink version, Gamer subs. It's 40 cents a serving instead of going and all this bullshit. We have our very own financial audit in Caleb Hammer flavor.

Starting point is 01:21:57 One out of 100, every 100 purchases, we'll get the one with my face on it, by the way. 80 cents to serving with my discount code. Link in the description below. Code, Caleb. while supplies last. And also, you can get any flavor. Get the free sample. See if you like it. And then she dooredashes Chick-fil-A for $16.71 and instead of getting gas. She dooredash his pizza hot on the same day. No, the next day, instead of getting gas for $16.85. Alta. And she cakes it all on in one sitting. Dutch Bros. for $13.35 instead of getting gas.

Starting point is 01:22:31 She dooredashes for $57.8. Instead of getting gas. She door dashes Taco Villa for $20.73 instead of getting gas. She then gets McDonald's for $14.1. Instead of getting gas. What's Headhunters for $22? That is a vape store. You are a failure in every way,

Starting point is 01:22:55 so now you're going to just your entire body. Sure, why not? What's the point of... McDonald's? $9. No gas. Rosa's Cafe and tortilla. $11.

Starting point is 01:23:05 No gas. Ending balance. $1.25. No shit, you can't get gas. F*** you. You're telling the producers, this is how you prioritize life. You're telling producers you get money from money,

Starting point is 01:23:18 and you immediately go to Walmart for a shopping spree. Yeah. That's how you live. Instead of trying to further your life in any way whatsoever. I am furthering my life, though. But not in the way that you want. Long term, you want out. Yeah.

Starting point is 01:23:31 But you're not going to ever leave that that's how you live your life. Debted brother. Why? How much? much. That's a brother. I've got like $500. For what?

Starting point is 01:23:43 I bet you fuck your brother too. Uh-uh, that's nasty. Nasty. $500 just because I needed it from my phone bill. The phone bill's $500? It's like $398 and I was behind. Switch to helium, dude, $15 a line. Helium, $15 a line.

Starting point is 01:24:02 You probably owe on your phone like a f*** dumb. And more. You have much to owe on like an iPad, watch, earphones? Yeah. Yeah. I do owe on a couple different things. So that's my bad. You deserve it.

Starting point is 01:24:19 You deserve the failure at this point then. Okay. So when did he do that? You said a couple months ago? Yeah. Do you have a payment plan with him? What's the expectation? Does he live at home?

Starting point is 01:24:28 He lives in a trailer on the side of the home. Oh, this is a family of success. Yeah. Oh, my, my, my parents killed it. They absolutely killed it. They should have you in the womb. So, yeah, he's a musician. And you make bags.

Starting point is 01:24:55 And we're just creative. We're just a creative little duo. Oh, you use the gusto spending account. Mm-hmm. That's what we use for payroll here. I don't think anyone has taken this as an option. Because you can be like cash advance and shit. Which looks like is what you do, right?

Starting point is 01:25:16 Mm-hmm. Mm-hmm. It's like I made the money. Why not get it beforehand? That's not, again, just like anything. Because personally, on Calebhammer.com, we have like personal loans and debt forgiveness and credit cards and car insurance.

Starting point is 01:25:43 I'm not opposed to the concept of any financial service other than like a payday loan. or like credit one because it's fees for existing. I'm not opposed to the vast majority of anything else, including even this. But if you can't manage any of those correctly, then I'm dramatically opposed to it. I could use this.

Starting point is 01:26:03 Let's pretend, I don't know, maybe going on. I could do it for whatever I want to do. Because I know I could manage it and pay it back. You can't, so stop. Well, it's like when I need the money, I need the money. I'm being told you smoke wheat. Is that true? Yeah.

Starting point is 01:26:22 How much money do you spend on that a month? Probably around like 400. Okay, you need the money? There it is. Stop spending that much money. The world's biggest pothead in this office is Mark, who just literally gasped behind you. You made the biggest pot head of the office gasp.

Starting point is 01:26:39 I get like half an ounce every week or so. Okay, now he's questioning. Is it just more expensive over there? That's about, that's about right. Is that a lot? Is that a lot, Mark? It's a lot of weed. It's a lot of weed.

Starting point is 01:27:02 It's like, it's like, it's like this in a jar, this like this big. That doesn't help me. I just, I don't know what translates. I don't know. Your parents are okay with what you do for not living, go in and writing old dick? Well, they don't, they don't know. You live there. They don't know how you get your, okay, so what are you doing here?

Starting point is 01:27:20 Let's see. Oh, bang, bang vapors. Headhunters, more of vape, getting pops or energy drinks or whatever. Door-dashing Taco Bell, not getting gas, $25. Door-dashing subway. Pack a sack. That's a gas station. Well, $5, so you didn't get gas, probably.

Starting point is 01:27:41 I did get gas. Probably didn't get gas. So, okay, $20 for Taco Bell, but great, okay. Tute and Totum again, there it is, getting some pop. Headhunters, get into vapes. Afterpay, $100. I didn't even see her afterpay. Tootum, headhunters, pull up your after pay.

Starting point is 01:27:54 pay. Alive Garden. Oh, and then that's paying back for the cash advance. Party stop. Probably got some bullshit. And there's the cash advance. Cash advance. And we have an Apple cash account. Negative almost every month last year. Jeez.

Starting point is 01:28:16 Me. This is your afterpay. You owe $65 with $7.50 of payment. We even get a statement for this. freak you have an overdue payment

Starting point is 01:28:41 you know 65 it's $7 to pay it's for Walmart yours just such a let me look at your Amazon do you buy anything on Amazon yeah let me see your Amazon

Starting point is 01:28:52 oh you pay for Lincoln Bio 650 Apple Bell Apple Bill getting some drinks and bullshit Walgreens $51 that has to be morning after that's a morning after what is it Walgreens $51

Starting point is 01:29:06 Oh no, that's just makeup. Skin care. Do you suck? DoorDash in the Gavana. Paying for X premium. It's a bullshit. Payment out, payment out, payment out, payment. I don't even know what. You just want to see what I've ordered?

Starting point is 01:29:19 Yes, DoorDash Chick-fil-A. Bullship. Payment out, payment out. I don't even know where that shit's going. Bullshit, bullshit. Pop, pop. Amazon. Oh, this is fake jewelry, makeup for ever lash extensions. There's the sex machine. Oh, my gosh. for men and women. Well, I guess, yeah, there's bottoms out there, Brandon.

Starting point is 01:29:42 No, because they have pocket pussy, like, attachments. Don't tell me that. I do. I can't become demotivated in a sense. Like, I need that. I need to need to go hunt. I can't. Do not.

Starting point is 01:29:57 If we take that away from men, we will literally do nothing but stay inside. No, it gets real technical, like real technical for men. This is insane. Let's get your budget. By the way, I'm not against sex toys. I'm not against sex. I don't like charging for it because it's degrading. And get you in dangerous situations.

Starting point is 01:30:21 It's not good for your life when it's permanent footprint. And if you're addicted to sex toys, just like anything, then it'd be bad. Same with porn and stuff, man. Okay, income, 2000, I guess. Hopefully you get this job. Debt payments, $7.50. Not crazy. So do you owe anything to rent?

Starting point is 01:30:39 while living there. Uh-uh. Anything in the utilities while living there. Internet. Okay, food. You say you pay for all that, right? Yeah.

Starting point is 01:30:49 $300. You meal prep and meal planning. Am I? Oh, my, yes. Or else there's nothing here. Oh, yeah. So $300, $300, TEP fun. Anything else you need to survive?

Starting point is 01:30:59 Tampons, makeup, all the good stuff, $150. Yes. Yeah, you cut. You cut. Phone bill. Let's look and see. exactly how much it is.

Starting point is 01:31:10 I just need you to get rid of them and switch to helium, man. I really do. It's crazy. You're past due like 548 on your phone bill right now? I'm past due 180. Okay, what's your phone bill? Brother. Really?

Starting point is 01:31:30 I think it's like 398. Medical health care. You got co-pays on a monthly basis? Um, I pay for, what is it? The... Oh shit, what's it called? When you go to GoodRX. How much?

Starting point is 01:31:51 A month? It's 10. Okay. Subscriptions. I'll try to give you like 40 bucks because you have some. You have any pets? Mm-mm. Oh, car insurance.

Starting point is 01:32:04 How much? I don't pay for my car insurance because my dad pays for it. Do you have a car payment? Mm-mm. What's your car? It's a 19997-4-running. I'm not going to survive very long. What's the gas, gas, monthly basis?

Starting point is 01:32:16 It's like... Room, drive, drive. 50. What? Okay. I've had that car since I was 16. I'm sure. How many miles on that thing?

Starting point is 01:32:29 We are 50,000 away from 300,000. How many times have you been pregnant in your life? Zero. Okay. You have a thousand left over, practically. Let's call it 900. Hey, off your family. Start settling these collections,

Starting point is 01:32:45 and you can get out of these collections. And literally, with the, what the, what the 900? Did you're, like, two months, three months. What do you, what do we, what are we, doing stuff with the bullshit with the and with the for money and with the fanking bags go get yourself a job stay there up your qualification start a career first month last month get it a fully emergency fund

Starting point is 01:33:08 move out and live your life this is pathetic all right i gotta save this man i'm gonna call him in the post show and let him know what the she did it's gonna be crazy it's gonna be insane it's gonna be But let's get the Hammer Financial score first. Spending in a budget, you overspent, you spend thousands. Zero out of ten. Debt, you have collection, zero out of ten. Emergency fund, nothing saved, zero, ten, return, nothing, zero, ten.

Starting point is 01:33:31 Nothing, zero, ten. Get you're at Calebhammer.com. She thought she was the two. She's the zero. See where you are. For free at Calebhammer.com. Now, join us for Hammer Elite, the post show, an extra 20 minutes, three premium incredible shows every single day, six days a week.

Starting point is 01:33:46 You can join on YouTube by clicking the join button or clicking that link or by going to hammerlead.com or downloading in the Hammerlead app. I'll see you guys there. She totally lied to me. She did not delete these messages. I'm going to go through them now. So I was simping. Oh, I see why he's not answering because she's spamming him and never responding.

Starting point is 01:34:02 But he texted me that he wanted to hang out not that long ago, so I was confused. Hi, even though you guys hooked up last month. She had unprotected sex with... I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every... single day, Monday through Saturday. Refer a friend after you sign up and you

Starting point is 01:34:26 get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of financial audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship,

Starting point is 01:34:47 I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below.

Financial Audit - Wannabe OF Model Made $0.52 Last Month | Financial Audit

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