Delusional Model Is A Clown | Financial Audit

I graduated from Liberty University in. 2012 just a big and then the skills. underneath it are like I'm really going. to client relations in employee training. well Liberty. University W hi my name is Cam I'm 34. years old I'm based out of Austin Texas. and this is financial audit damn all I'm. saying is I hope. I look good when I'm 34 cuz I would have. swore you're in your 20s so how do I. good job congratulations jeans what do.

you do for a living um I am a creative. and an. entrepreneur okay I guess I could say. the same about myself uh I would love to. dig a little more deep into that but I'm. curious okay creative entrepreneur what. do you bring in on a monthly basis on. average right now not. enough like okay under under under under. 2,000 under 2,000 a month yeah you said.

you're in Austin I'm in. Austin you can't live on under. $2,000 no I mean I literally $22,000 a. month is $24,000 a year I pay more than. double for the base pay for uh my. producer who was in your seat a few. weeks ago and like I got on Tik Tok for. doing a base pay of $50,000 they were. like that's a poverty wage you're making. less than half that how how how are you.

surviving like legitimately um so right. now I feel like I'm just in a. transitional point of uh from to well I. used to work in corporate and so that's. where I was you know very stable I guess. you can say with my income um but uh I. in recent years have. really have stepped out to be an. entrepreneur with like my brand so as a.

creative brand uh I'm an actress I model. I am in film working behind the scenes. in film so many in Austin all of a. sudden I. swear what is. happening I'm not against it I'm just. like uh is that when you said entrepr I. thought maybe we were starting a. business of some kind your brand and. it's just. you okay that's a start I mean there's. other things on the list that.

well obviously you did not do this right. we could say that. I'm uh a creative entrepreneur but I. didn't jump full into it jumping for my. corporate job until I was making enough. money to replicate not even fully. replicate my old income but uh was able. to sustain myself while also having a. 12month emergency fund on the side right. when did you jump the corporate world um. so I left around uh 2020 I believe there.

was some other things that were kind of. happening um in 2020 man cuz you could. have been fighting for some pay raises. during then yeah yeah times were good on. in the in the Austin Market in the jobs. yeah it's all about perspective um I. really um I had lost my mother in 2020. to like stage for colon cancer in August. of 2020 so I had a job but I had to make. an executive decision to kind of take. care of some things and so at theend.

2020 everything the job scene was just. kind of all over the place and so I kind. of took that as an initiative well it. didn't start the job scene in the. corporate America especially in Tech and. in Austin it didn't really start. fluctuating until what was it beginning. of 2022 was like the first no like end. of. 2022 yeah because we're in 2024 now so. end of 2022 is when things started. getting a bit funky so you should have. been able to drop in pretty hard like. they were hand like literally in Austin. specifically but especially around the. majority cities especially in Tech.

Tech's a major sector within Austin like. they were just dangling job no they. couldn't even get jobs out quick enough. yeah people to jump into to so what was. your experience what were you doing um. grieving mourning taking the time what. was your job in Corporate America uh oh. in corporate I worked in uh software. sales Tech so I was man have made so. much money I did and you could have gone. right back into that so easily the trust. me The Grieving totally get it I'm. blessed where I haven't had to do that. yet but I am so sorry for you in no no.

it's okay that was just that was I just. want to set that expectation like I am. sorry after uh you know whenever uh you. started to not even like move on cuz. that's such a hard thing that's an. oversimplification once you started to. try to get your life back man you could. have gotten a job dude well and that's. where I'm at right now so I was living. off of my savings and I had for a couple. years and what am I'm looking at you've. been living off a debt uh I I mean and I.

also do contract work with like uh. delivering for a really big company so. that kind of helped me float a little. bit but I was really just living off of. did you know that data Brokers can make. a fortune by selling your personal. information to robocallers spammers and. those interested in learning more about. you given that I now have a large online. presence online security is a priority. for me that's why I consistently choose. to partner with our sponsor Aura Aura. acts like a personal security guard for. your Digital Life they can identify data.

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solution ranging from a great password. manager to parental control antivirus. protection identity theft Insurance and. much more so now you might be wondering. Caleb how do I start with aura well. they've put together an exclusive offer. just for you experience the peace of. mind that AA brings to your online. security with a 14-day trial simply. visit ora.com Hammer to take advantage. of this amazing offer it's also linked. in the description below it's crazy I. don't have anything against this Amazon. F delivery and you're doing but man I've.

personally set people up with like uh. like a tech sales certifications from. course careers man they get in tech tech. sales you can make so much money if you. grind it's incredible you were making. money why do you not care about that. anymore I do I for sure do okay but. you're making less than $24,000 a year. in in a city that you canot survive off. of $24,000 a year right so which by the. way will explain pretty much every. account we're about to go through which. are. ridiculous Yeah by any.

metric sorry I don't even know what I. asked you I don't think I just I just. went into a rant uh just I'm just. confused why have we not gone back to. making money if okay get so here we like. to do a score 0 to 10 for finances um. give us where do you think you are 0 to. 10 10 being the best Z being the worst. where are you right now I would give. myself like under a five like just. realistic under five well five would be.

like okay middle of the road you know. okay that's solid one or a two. realistically where I've been before. sounds more reasonable to now it's just. getting back so on this $10.99 for your. Amazon Flex uhhuh brought on a whopping. $133,000 over the course of what though. last year. 2023 I've been there for two years the. year before I made 23,000 why is it. going down I don't know no no no why is. it going down.

I many emails this is just no no no no. what do you mean is the hours going down. or like what is happening why is the. people they've hired a lot of people to. deliver so it's just grab a route quick. enough before you can blink okay well. that's the reason why that's what I was. trying to figure out so there's more. people so there's less Roots available I. think so yeah which I mean I guess I. understand it from their business. standpoint because they're they just. want people to grab on to them as quick. as possible so that there's never a. route on right um so I'll be up trying. to get a route at 3:00 in the morning. can't click somebody else already.

clicked it someone you got to talk right. in the mic okay someone's already. clicked it but I made 10,000 in acting. and modeling really in acting year than. 2023 my first year year so. $23,000 before taxes your your life what. like what taxes are you even going to. have to pay on top of that I mean I know. there self-employed stuff but your the. it's going to be basically okay because. the only reason that upsets me is. because we go over here and then the. first credit card we look at for first. credit card we look at pass due amount.

$340 that's just being an irresponsible. child if you're not making enough money. to pay on your debt then go get a job. that pays money instead of the dream the. dream I want you to live the dream I. want everyone to live the dream I am. blessed enough because I mean honestly. you guys are incredible that I get to. live the dream I get to hire people to. live the dream I want you to live the. dream I want everyone to live the dream. but there's also being a responsible. adult and you are being like okay I'm. just not going to pay on my debt instead. of going getting a job that makes sense.

yes Tech is hard now but you've been. delaying this for years if you were. talented you had a resume experience and. you could have said what you done and. you could back it up with numbers of. what you did successfully pass in the. sales trust me people still need to sell. products right we need to land you a job. that makes money I don't give what you. want I know and I'm coming back into the. market I was out of the market for a. while you are I I had invested in a lot. of stocks in crypto and I thought I was. become a millionaire and what are you.

you were going to become a millionaire. absolutely what do you mean it's not too. late but I mean what does that mean I. want to hear like that the what what. what is your I was going to become a. millionaire well I mean just the whole. concept of what took place a few years. ago within the market I entered into I. think a really good time um I had a. little bit of money to where I could. make a profit what Market what Market. did you jump into like crypto and that. whole CRA what crypto um I did a little. doe coin I did um what else there was a.

there was a whole list of little things. I tried to go for the ones that offered. um what is it oh my God they give you. bankruptcy no they give you Kickbacks. every quarter or whatever dividends. dividends yeah wow yeah you know stocks. do that as well yeah so stocks I I. invested in um is bit bitcoin's not. consider no okay so dude how are you. possibly investing if you don't even. know what the the Bitcoin is what.

category it falls into that's a joke no. I definitely invested in stocks I just. congratulations but you just asked what. Bitcoin. no there's a whole list of things that I. invested in based off of and what. happened well I tried to play the whole. psychology game of it you know what. psychology game the psychology of stocks. and crypto and you have to keep calm. yeah you invest and I had like where I. invested a certain amount um so that. whenever it went up I knew that I had. had a third of whatever that was right.

and everything was great but how kind of. trading were you like swing trading were. you day trading were you buy and hold. what were you buying hold whenever I saw. that whenever it went up I was like take. out I don't know whenever I only knew. part of the game I think and uh no I. didn't take out my money you don't know. the game you know what the game is. buying the not investing advice my gosh. not investing advice the legal. requirements around it are it's really. silly that I you know you got to have a.

piece of paper to say literally this. you're not invested advice but what do I. do what's the game I play I just buy. into the overall General United States. stock market baby and I just put that in. and I let it go until I retire because I. mean I'm just betting on the overall. economy of the largest economy in the. world and uh some of the best companies. in the world and that's what I'm doing. and I don't freak out and try to day. trade and swing trade and get into. crypto and bull bull was good back then. though I came up on a lot it's good all.

the time it's good all the time and bad. all the time you got some uptrends you. experienced some good things yes if you. get a nice beautiful bull market for a. while it's going to feel good guess what. even the beginning of last year through. the end of last year in general though. it felt like we were going all over the. market QQQ spy we ended up well. up it's so it's always going. to. why' you only put two $20 to this when.

you had to pay $340 I didn't have I I I. put what I then why don't you go and get. literally any job Tech sales I would. love you to get into but why are we not. slinging fries in the middle of the. night if we can't pay our bills um I. would prefer to prefer okay well I would. prefer to be able my time is worth more. than no it's not if it was worth more if. it was worth more those the free time. you had you would be paying this card.

time was worth more time was worth more. it's not it's literally not if it was. worth more your time would be paying on. this I understand and I think with okay. so you were incorrect I think that with. the funds that I had available that have. been coming in not even covering all of. my bills you have I what am I going to. do am I going to pay part of my car cuz. I need it or do I pay put it towards all. of this 300 I can't put 300 you can get. a job job instead of trying to I have a.

job I work Amazon no but you just said. it's not working if it's not working and. you're bringing in $112,000 in a yearly. basis $112,000 in a yearly. basis I don't I don't. think I don't think you can like start. at a food service job in Austin under. $15 an hour by the way like there might. be a couple places but pretty much. everywhere I see is like 16 to. 20 okay and I do that's $31,200 a year. $15 an hour for 40 hours a week boom.

boom boom that is more than you make. with both of your jobs combined I know I. probably sound like a dick and I'm going. intense but I go intense for a reason. because it is clearly you do not believe. this and you need to because the future. of your life actually matters it does. and I believe like why do I have to flip. fries why can't I do something else what. the do you mean because whatever. something else is is not happening well. I just started so it's called being a. big boy being a big girl growing the up. and doing what's necessary and. responsible in your life to actually.

take care of your right you're. absolutely and that's why I'm back in. the market I what do you mean back in. the market what are you doing I apply to. so I'm applying to jobs I'm applying. back to the market tell um back into. Tech back into software back into sales. back into what I know that I'm how many. are you applying to on a daily basis. anywhere from 25 to 35 decent yeah. pretty good and my resume is tight where. are you applying on um indeed on glass. door on the actual company website um.

okay pull up and D I want to see it like. really right now yeah I want to see if. you're flying or not why do I have to. lie trust me I I can show you all the. emails I want to see it okay please. absolutely. okay nothing like an unemployed person. with a coffee and a. Macbook listen life wasn't always like. this okay I'm just joking that's like. the classic like Twitter this is only. temporary like I've been up before I.

know that's great but you're not paying. pills you can't be the goal beggers. can't be choosers right so that's why. I'm choosing what I'm trying to get if I. have I just said Beggars can't be. choosers but if I have an option Mac. won't let you do that but what just. scroll down like just well it would in a. proper email service but you're using. Outlook like a disgusting creature all. right let's take a look we got you. connected like literally I just had an. interview this morning. good that's awesome how did it go um it.

went well is is this oh yeah it went. well um I've had a couple interviews. where they do like first round they want. to just ask questions first probably as. a filter before they actually do but. I've gotten a lot of we've moved on. sorry sorry sorry I can even show you my. resume I think I think. it's I think it's. good actually I will take a look at your. resume because that could be a big thing. I'm see I've only only gone a few days. back but it's looking more like five a.

day no no no no that's just when I've. gotten a respon oh that's just when I've. gotten a response back okay so there's a. lot good well I'm glad you are then I'll. stop digging into that I would love to. look at your resume though no absolutely. um okay what. what especially for more like just if. we're going into a sales position yeah. more than one page on a. resume try to cond this down to one Page. Plus is filled with like crap that.

doesn't matter plus it only it's it's. only going to like it's filling up a. page and a half it just gets weird one. page concise even if you have to make. some of the things small so it's. normally has always been a page but I. was told. by that hey you if it's over two if you. need to add two pages like go so what. but make it sure that it's concise it's. always been one p in the last few years. but when I was doing some research into. of the best resume practices on YouTube. and some sites I was reading I said I. always red keep it to one page I've.

always man that sucks because I like the. way it looks it's easy you know. absolutely it's also just lots of lots. of instead of key points there's like. almost mini paragraphs all over here. well I normally have like my kpis oh. I've like literally you know this was. connect rate this was the goal rate all. of that and then some people have said. like no like that's what your talking. points are you know so who who are you. talking to um a multiple people and I.

have multiple different versions of my. resume this is just the most recent one. that I've been putting out I get your. company off well then I haven't worked. in the last four years that's why I have. people say no you got to show you've. been doing something so to show what. I've been doing auditions every day. acting modeling it's like I don't want. to say oh I'm a model no I'm trying to. inculate that into I don't want you to. lie either but everybody lies on their. resume but I try to keep it. honest it's just I didn't have that on.

there and they were like well that. doesn't look good skill section is like. eh your education's like and it's like. 2012 anyway so like who. cares what it's over a decade old just. what you no no no no when relax relax. what what do you mean over a decade what. like what what are you trying to it's. like no no no all that like what if. we're hiring if I'm hiring for a sales. position and people are hiring for a. sales position I want to see what the. done all the great sales scals you have. the Great Deals you've closed things.

like that instead of these mini. paragraphs and then I graduated from. Liberty University in 2012 just a big. and then the skills underneath it are. like I'm really going to client. relations in employee training but. Liberty. University W like I. think I don't know there's this okay so. just just just a couple thoughts on my. end but um okay okay well I'm glad. you're I'm glad you're starting to at. apply to things um I I am glad because.

this credit card is joke. $1,664 owed. $430 uh is what is owed right now. because you're pass through 340 you have. $40 of fees and then $30 of Interest AC. crewing it's at 24.99% interest rate. so yeah sorry that was like a $55,000. limit and that recently closed and I. just ended up yeah there's a whole bunch. of in collection so I don't great well.

cool more to get into then as if there. wasn't enough that we've barely even. touched okay we have a 220 Kia Optima. yes so when you left the workplace you. went and got a Kia cuz you said 2020 so. you went and got a car loone when we. left the workplace no I had got it right. before June. 2024 I wasn't knowing what was about to. transpire so I had gotten into that car. I actually got a really good deal it was. worth 30 grand and I got it for 15 they. gave it to me for half off oh hold on.

was it worth 30 yes it was brand new it. was brand new 2020 Kia a why would they. give it to you for half off um some old. people bought it didn't want it um who'd. you buy it from. Kia they they don't just take losses you. know also I'm favored I am blessed and. favored and that was my time to get a. new car yeah what are you talking about. I am I'm favored meaning are you talking. about that means that things Happ for me. um in Divine time I guess you can say.

what magical rainbows do you have. floating over your head that no one else. has apparently I was born on Christmas I. like to think that congratulations I was. born on Valentine's Day oh what do I get. where's my little special 50% discount. on a car yeah well I don't know I'm. skeptical of just no no no it was it was. a it was a deal it really was a deal. yeah but I don't know what was up with. the car and the history and different. things like that a car dealership will. never take a. loss. they unless they're just desperately.

trying to push inventory they were. trying to push inventory guess at the. peak of the car market at the well wait. when did you buy this June 2020 June. 2020 but they were having trouble. getting cars starting around then. starting right around then it would make. no sense for them to desperately try to. push I walked in listen I wasn't there I. don't know but either way it doesn't. matter you got it 50% off 74 months but. we're past to. $912 because. listen it this listen I'm happy you're.

out there applying but like what you. have to do as a responsible adult until. you get the job you want is we have to. work jobs we don't want just so we can. pay the bills again I showed you $31,200. is $15 an hour for 40 hours a week you. should be working 80 hours a week you. should be working 80 hours a week and. keeping up with your bills if we're not. making our payments if our car is going. to get repoed if we're just around and. you need a car to live in the city. unfortunately car dependent. infrastructure you you you can't it all. recently started going downhill.

congratulations you recently should have. got a job to pay for it I re I recently. had money yeah you recently as of today. have nothing what do you mean recently. because these are all missed payments. which means before you walked in here. not like it's you sat down here and all. of a sudden it's missing so I when I. took a look at my finances uh at the end. of it was around summer of 22 I believe. that's when I started to notice was like. oh the thing things are getting it was a.

year and a half ago a year and a half. ago yeah around 22 that's when I noticed. like my my what I was looking at was. dwindling and it was like I had to year. and a half ago it was a long time to. make. change takes a couple weeks to get a job. flipping some mcf fries I had money and. went really quick and it it's these why. have you not made any corrective I have. I were no you have not we haven't even. gotten to your spending statement yet. it's one of the stupidest things I've. ever seen in someone in your position so. I I work a lot of jobs not just Amazon I.

do I I don't care I don't care you I. don't care if you work a lot of hours if. you're bringing in 24,000 hours a year. you are not working correctly it's one. of our don't be a rules uh rules of not. being a up it's stoping around with work. if you're working a lot of hours and. you're not making your money you need to. go. work anything any overnight stocking. shelves those jobs yes some of the. higher pay in the markets that you're.

applying for right now it is objectively. harder than it was a couple years ago. historically it's not the hardest it's. ever been but it is the hardest it's. been uh in you know in quite a few years. service based jobs stocking shelves jobs. they are still underemployed and they. are trying to get people in the door and. in places like Austin they'll start you. 15 to 20 to 22 Yeah an hour the job. sucks no one likes it I doubt even more. than 1% of people that do those jobs.

wake up every day and are. like I get to go make fries I don't. think that's how it works but people are. out there getting done taking care of. their lives taking care of their bills. taking care of their families like. responsible adults yeah and you're. saying no I'm going to wait till I get. my dream job and let my cargo get repoed. no it's not going to get I'm going to. wait a year and a half when I realized. that my finances were starting to go. down instead of trying to address it. instead of address my spending habits my. spending habits going out to eat 20% of.

your spending $397 going out to eat and. you choose not to pay that same amount. that was due on the card is this in the. that's a child no I pay I do I it's just. recently oh my gosh how how how are you. how are you what are you dude this this. makes no sense this in this where from. the same month you chose not to pay a. $340 payment that you owed but you went. out to eat. $397 that's being a baby a lot of it is.

we'll get we'll get there I no no I've. already written out everything for my. business side that I'm going to write. off that I have to write off yeah but if. they're real write offs I doubt it we'll. get through it we'll get through it. these are real no we're going to we're. going to find out these are absolutely. real I can say that I in the. transitional stage that I'm in right now. understanding and working on my you. think you'd be able to figure out the. transition by yeah I mean.

silver what I was just trying to save. that one what like you talking about. that credit card yeah yeah what I was. just trying to save it save it one Clos. and so I was trying not to let my credit. just completely just like sa who even. gives about your credit at this point. you're not taking advantage of credit. card it's taking advantage of you you're. being taken advantage of you're not. taking advantage of it I you're not a. credit card person when I was on the. good side side of it I just ended up on. that's all takes that's all it takes.

you're in the bad side now who cares. about the good side a couple years ago. couple years ago it was a couple years. ago I did dumb stuff a few years ago. worked on my life got mental health. helped did a lot of things to improve my. life two years ago well it wasn't two. years ago but a decade ago 5 years ago. whatever doesn't Define my life what. happens right now defines my life what. if you were doing well a couple years. ago doesn't Define your life what. defines your life right now is what's. happening right now and this is what's. happening right. now but I didn't have any money so it's. like oh my gosh because you're choosing.

not to go get a job like a human no. adult well I am working I am trying to. pick sh my gosh are we just going to. have a go in circles this entire. conversation this is the. least I am working though like I I I've. been diligently trying to pick up shifts. I have been applying day in and day out. I apply on Sundays to the dream jobs. awesome I want you you to get those jobs. you apply for those jobs while you're.

working the job because you need to make. ends me okay yeah you're right you're. right $150 is owed because guess what. fees to charge $39 fees probably because. there's late fees y lovely $842 balance. fantastic $21 of Interest great love. it naviant so what you where oh well we. know you graduated from Liberty. University in 2022 cuz it's the biggest.

thing on your resume oh my gosh it's not. the biggest thing oh my gosh know I mean. I'd make it the biggest thing on my. resume if I was going to talk about. these next two student loans that we're. about to talk about cuz they're Insanity. they are I they are is Liberty. University private yes they are they're. very private private college type. private Christian. University well they better have. delivered you a lot of religion because. this was expensive yeah it was I played. lacrosse for them that was pretty cool. oh they should have probably given you a.

really good scholarship if you're going. to do that cuz you have a total of I. think I'm at like 8,000 it's like 85. maybe 90,000 are you paying on these no. I've never I'm in i' forbearance and. defer forbearance in deferred not even. on like an income based thing you just. keep P ibr our yeah ibr income based. okay so you're not in deferment that's. more like just pushing it down the road. like I'm in a period where I don't have. to pay on it yeah I I'm sure at the. beginning of the these loans it was a. lot of deferments and now we're in forns.

now we're ivr we're in whatever mode. it's like I ain't got it right now so. you got it because you're choosing not. to got it though which is kind of what. upsets me it's like trust me if people. can't make ends meat and they literally. need money to survive and all these. different things yes income base that. makes sense from a moral standpoint of. just a society you're literally choosing. not to work and I'm like this is money. that you took out and you're literally. choosing not to work so all of a sudden. you don't have to pay it back because of. your choice that hurts me dude I think.

um at the age of 17 it was more so a. family decision hey you going to go to. school this is what needs to be done I. grew up in a single parent household so. whatever ways means that my mom could. get this done for me I had to get it. done no the American culture around it. is stupid it's it's fair enough it's. fair enough because it's it's for a lot. of people especially I I don't know your. living situation but living situation. for me when I was born I was born into a. house that made basically no money and.

eventually you know they did work their. way up the middle class which was. fantastic but by the time I was gradua. high school wasn't the case but it's. always like go to college that you know. borrow what you need to to get the. degree because that's going to lead to a. better life and that's like everyone's. mindset now you can do college the right. way and there's a lot of things you can. do get a degree the right way right um. but obviously there's a wrong way to do. it like $ 89,1 181 at 7% interest rates. of death and Insanity uh sport. management degree pay back oh fantastic. that's what you're working in right.

now I started off as a mechanical. engineer and then for whatever reason I. don't know what happened in college life. but I decided to just go be passionate. of as an athlete Sports you know I was. like well du business of sports let's do. that and uh got offered to coach college. and then I don't know life happens and I. decided to go be a model an actress and. Chase that I if you want to chase. something you should Chase hitting that. subscribe button cuz we're trying to get.

to a million subscribers and we're. racing the iced coffee hour to try to. get there so please stop supporting this. channel also thanks for being on by the. way because I know this is the hot sea. it's hard I hope you walk away get. something from this um and I you know. you're being an educational service to. people out there if you're interested in. being on show apply on link uh there's. an application in the link in the. description below uh but yeah I thank. you for being no thank you for having me. cuz I I know my personality is I'm a. all right well yeah yeah don't need to.

bring Stars into this conversation we. can take. it I've been taking it it's okay but I. know that there's more for me coming and. I know that I'm in a space of like no I. do need to be responsible I'm very aware. of that like seriously no no no no and. it's like oh I already did my own audit. I still got to do my taxes it's a lot. you haven't done with. respon you've done your own audit but. you didn't make the changes necessary to. do it I did make the changes no we. haven't got to your spending yet when we. see the spending you have objectively.

not made the changes unless you're. saying it was worse than before that in. of which case I would have an aneurysm. right now and you've chosen not to go. work waiting for the dream job so no no. no you did not do an actual audit of. yourself and make. changes I did the first step which is. recognizing I had I do have a slight. problem with spending what's this. $12,000 you owe at a 4.625 interest rate. is that a house the home that my mom. left for me and my sister so we still.

have a slight mortgage yes okay but it's. in Austin in what's the valued at these. days it's over that well yeah I don't. think there's anything that's valued. anywhere close to 100,000 I know I know. maybe I'll say like 3 four oh on the low. end I'll just say like 320 just to be so. you have like a well you and your um my. sister and I my younger sister are you. both on the title the estate yeah me my. S so you you approximately have about.

don't do it what what what even more. debt no no no well you do have more debt. but you have a you personally have like. $125,000 of equity into this house which. is really cool I you personally yeah I. don't even know i' rather just get that. house paid off so that that's secured. wait why it's at a 4.6% interest rate. where the rest of your death deaths are. at like insane interest rates what's the. interest rate on your car by the way I. didn't even get that uh what uh. 13 13 something yeah end it all that's.

the lowest I've ever had on a. car yeah oh. oh this I have not seen in this on this. show ever congratulations on being. so good that you are a groundbreaking. first in the history of the show you. have late payments on your mortgage no. don't do that yes it's there and it's.

really I would say kind of like my fault. I had lost my apartment last you better. take responsibility DN right I will take. some resp stop hitting the table too I. will take some responsibility um as I. had to move back home which is that. house that my my sister was living in. the house that my mom left us I had my. own apartment doing my own thing and. then just real and I was like Happ life. happens this was last year last summer. it was an emergency like got to move. home my sister ended up having to leave. her job yeah that she worked at at um a.

company out here um for the like just. for personal reasons like I took off. when things happened uh with family yeah. my sister didn't and so we kind of had. this inadvertently like swap but the. point is I moved home and things had to. get paid and I didn't have any money how. much is the monthly I don't want to tell. you cuz it's like what how much is the. monthly 1,000 bucks for the mortgage I. know it's crazy and Austin you have no. idea you you that's what pisses me off.

about this I don't even make a thousand. you are about exactly which is a [ __ ]. Choice by the way that you are not you. are not you are choosing in the city of. Austin can't speak for every city you. are choosing I know people who work Uber. Eats here and make $80,000 a year. $80,000 a year after maintenance and gas. you're you're not serious why would I. lie I mean I guess that's grinding. they're working the hours they're. working off a UT they're working off a.

downtown they're working in the West. Lake Area got those rich but guess what. they're making their money and they're. working an insane amount of hours I'm. trying to find balance man I'm trying to. find balance at one point I was B you. won't find it until you pay on your I. know won't find it until you grow up and. get a job so what pisses me off about. this like legitimately it pisses me off. for you is this m payment by you not. taking care of your your own and going. and bringing in a minimum of just.

$30,000 a year which I know you can of. course by you not doing that you are. squandering the mortgage of all. mortgages that anyone around our age. would dream of dream of what happens. when this goes into foreclosure and you. missed you you you and your sister Miss. what literally everyone our age dreams. of you you have no idea no idea how. blessed you are if you had any idea if.

you had any idea you'd be taking care of. this I'm if you had any concept any. notion of an idea You' be taking care of. this you're about to squander the. biggest you are already what do you mean. you're not you are. already I have an opportunity and I'm. trying to make the best of it and I I'm. very aware like I'm very aware this is. something that my mom you're aware but. you're not doing anything I'm trying to. get hired I've been applying your dream. job we've had this conversation not.

dream job dream job is not going back. the job that you would prefer the job. that you would prefer we've had this. conversation a thousand times now so I'm. not having it again I know I'm trying. not to it up with this house the only. thing that my mom left I'm trying not to. up but every number here and everything. I'm choosing to do in life is obviously. indicating that I am trying to it. up. damn small business loan small you. better not tell me this is for your. business of you it's not the business of.

me it's Camille Khali that is a brand. and that is my business absolutely oh my. bank account and all you took out a. small business loan as yes I have a. business to be an actor my brand. modeling acting directing as the brand. cam I'm going to vom it all over this. table camil khi the brand that is a. brand I know I'm being mean to you but. if you're watching this out there and. you're even considering anything used to.

this if you know anyone send them this. episode this means this is you're. already in it you're already in it but. this is a joke this is sad. disgusting I'm legal I know there's a. lot of people that made up this my. business has been around well before. 2020 and all the congratulations and it. makes no money and we're borrowing. $2,833 it does it's just not a million. dollars a year I do make money big. there's a big difference between $12,000. a million doll a year I don't need you. to make a million dollar a year for me. to say okay you got a business but.

you're making 12 no but listen it went. from not making anything with my. business when I first started out to. it's a process to now I I've I've to say. I am proud to say wow I've made a little. over 10K and it took a while and that. was just that's great but you don't. borrow $20,000 if you're only making 10. that wasn't I didn't have to pay back. why borrow this it was offered as hey if. you have a business um and this went. everything went towards my business to.

pay people to to pay people yeah do you. know what it takes to uphold a brand do. I do you do and you pay people to help. you uphold your brand once I can afford. them I did I did every single thing. myself 15 hours a day seven days a week. until I could hire one person and then I. still did the majority of the work until. I could hire two people and then boom I. was able to offload certain items on of. those two people then I was able to hire. another person then I was able to hire. another person I only did that when I. can afford it I did not go and borrow. money to do it and you don't you don't.

pay people now do you um I tried to. anything I do even if it's just why you. not doing the jobs yourself even if it's. just hey thank you I recognize the work. that you're doing here is $20 gas card. here's this is this is all I have it. might be I might not be able to eat. tonight but I show value and like this. is something that I'm working on on my. brand hey people see my value they want. me to work they want me to work for free. and it's like no we got to get get to a. point where we stop asking people to. work for free yes I'm down for that but.

you should be doing this yourself you. don't make anything yeah but if I can. hire you can't but if I don't have to be. paying them $30 an hour to work any. little bit to show like hey this is. where I'm at in my brand and my business. I appreciate it when as I grow this $5. this $20 gas card will turn into more. you know this is just showing. appreciation even if it is just $20 it's. something I think I can something I.

don't there's nothing I can even do to. help you your mindset is so broken no. it's not the fact that you think you can. hire people listen yes I agree the. people you hire from the past the people. you hire should make money if we're. bringing in $12,000 a year we can't as a. business this past year no I didn't I. didn't pay. anybody $141 in our checking. we're. balling oh but what did we decide to do.

because we did an audit on ourselves and. we're changing our we're changing our. present yeah every Line's [ __ ]. unnecessary [ __ ] I know that's. that's that's I can tighten up with. eating out for sure tighten up I know. tighten up I know tighten up Beyond an. understatement are you kidding me don't. do it don't do it what do you mean don't. do it you don't want me to call your. out you've already go ahead oh but you.

have more bull sort. through more shovel El maraso some. taquitos and stopping and getting gas. station and Sh and Taco Bell and. Chick-fil-A Asian restaurant getting a. car wash that's what we need when we. can't afford to pay bills that's what we. need we can't can't even afford to pay. on our cars we better go pay to wash it. that makes sense oh h getting a keto. and sing his breakfast going in gas.

station getting some snacky snacky. snackies then went out $80 there was. probably the pay Yard House and honest. lash and Kirby Lane some. Google payment probably storage and if. you think you can this is not all. business expenses these are not no no no. no not I mean oh then earlier you were. me then no some King smoke that's. certainly not business that's a terrible. habit terrible habit what smoking.

smoking what cigarettes I don't smoke. cigarettes I don't smoke. cigarettes you smoke something you go to. the smoke shop constantly. no okay well listen all right stress. Chick-fil-A yeah congratulations I'd be. stressed too if I was squandering all my. future oh don't Cash apping Out $30 JC. Penney Greek food going to gas station.

getting some snacky snacks uh same with. HB just some snaky snacky snickies H. like listen groceries are expensive yeah. soal $429 I don't think you went and got. some groceries I probably forgot like we. probably went and got a Diet Coke and. something no I do eat healthy though and. I cook a lot I do eat healthy and it is. expensive to cook you cook for one meal. week cuz you go out every second of your. life going to a gas station getting some. things Sally Beauty oh we got our car.

wash again great we can afford that. dominoes cona. grilled going in getting some Taquito. going in getting Taquito taquitos in. Walmart and McDonald's and Tako kabana. and foot heaven it's my producer's worst. nightmare sell. service oh my gosh yeah you go in and. spend $10 and one taco and again we go. in and spend $27 9 and your cash out. $25 Hazel.

Sky smoke. shop Robin Hood yeah we're about to get. in of that that's stupid toito toito. toito so of your overall. spending uh going towards that nothing. you made absolutely no progress at all. whatsoever and anything net not even. close 10% with the transportation it. would be much higher if you actually. paid your bills that's is gas uh. actually going and getting groceries. $143 I cook all the time going out to.

eat. $397 no that's not that's that's. literally the numbers in your own. statements that you sent us so I don't. want to hear anything for Taquitos and. some extra do not matter in any way. whatsoever 99.3% of our spending large. purchases 10% of our spending let's see. what the large purchases were the large. purchases were JPay and Van Moon out. money so I would say I have a family. relative that is in in erated and. they're always asking go but you don't. have. money aspect and I got messed up on one.

of my credit cards not realizing that. you cannot send money like that from a. credit card because that with the uh. yeah it was it's like as if I cash. advance basic okay Robin. Hood this is a fun little thing in there. I have to go to the restroom can I go to. the restroom yeah you do that and I'll. have a quick panic attack don't. okay.

never usually have the opportunity to. sit here and talk to the camera when. they're not here but let me tell you as. if this wasn't a mess enough and we're. going into the crypto section and this. blew my mind when I was going through it. this I can't believe this episode I. really thought I knew there was debt. here I knew there was debt here I really. thought this would be a conversation. with someone who's going to be more just. open but man people are just you you'd. be so surprised you have a conversation.

with people you have a conversation with. people and they're like they're they're. they're good and then I think just the. nerves of being in front of the camera. for the first time just being on the. show in front of a lot of people they're. so. defensive I know it's another. Interruption but you can get $55,000 by. listening to the end of this right now. if you transfer your portfolio to Mumu. which I personally use for my individual. stock picks you can get up to $55,000. it's literally free money and an amazing.

investment platform and it's what I. personally use so check it out in the. description below I highly recommend it. shba shba Inu shba Inu yeah yeah yeah. yeah yeah yeah all right I had some good. plays man and I just it was oh yeah. great plays cuz we went from $111,000 to. nothing great play fantastic play best. strategy I've ever seen in my life yeah. I know someone who could use is 11,000. hours right now she's sitting across. from me where are we at the peak in uh.

this account whatever the account is uh. coinbase is coin coinbase yeah 32,000 is. where we were sitting at oh we're at. zero practically yes I know someone who. could use $32,000 right now do you do. you she goes by cam you ever heard of. her and we have this A+ Federal Credit. Union that just showing that I am I do. have have a WTH and like I of $84 it. used to be more but listen.

oh listen I'm trying I am trying okay I. don't think you know what that word. means meaning leg I legitimately don't. think you know what the word trying I. can do better you're dreaming and. envisioning things but that is nothing. without the action and you are not. putting it in the action the action. that's required you are doing job. applications and I appreciate that and I. can give you a high five for that but in. we are making the money we still have to. be a adult and work a job we don't want.

to. work you are not trying trying is. actually going out and getting done. honestly and I hate to say this because. I know it's is coming across as rude. because this conversations has been. intense I would be embarrassed if I were. you I embarrass embarrassed for you I. mean I should have way more money I've. come across way embarass your financial. situation I'm embarrassed by your. actions yeah I'd be embarrassed by you. not going out being a big girl putting. on some pants and shoes and going to. work I am not I a worker I work hard I.

don't mind getting my hands dirty I'm. literally coming back I'm coming back. into the workforce I am I'm trying to. figure out I don't want to waste my time. you know doing things that are not going. to pay me you know if I can deliver. packages in 4 hours make a 100 bucks why. would I go work a job where I have to. work a whole week just to make a hundred. bucks I'll tell you why I'll give you a. little reason it's because he only. brought in $1,000 from that job last. year I think we figured it out total.

income what comes in $2,000 let's just. say. that awesome that's being generous debt. payments that's a lot of debt and I will. take responsibility like I in the sense. of my spending Habits Like I said I. should have so much more my finances. should be a. totally as they were to a couple years. ago a totally different space I but. listen I'm going to do what your debt. payment should be now what they are cuz. you need to catch up on them and then. what the debt payment would be at that. point okay it's probably going to be.

something like oh oh yeah cuz the. mortgage which is fair enough which you. don't have to include that I but I am. okay well into the debt what do you mean. I don't have to include that gu for me I. got to remember to in $1,029 and then. plus the mortgage of. $1,000 what's your water bill on a. monthly basis do you even know do you. even pay it damn don't play me like I. listen that was a very valid question. from everything I've just been through. that wasn't a mement on you that was. like do you pay your bills because up to.

this point the answer is no the bills. are being paid just not by me I pay my. bills my bills are paid but they're not. in your case we split me and my sibling. she's not happy with me let me just say. that she is highly annoyed with me um I. mix two of us and I totally understand. and I I am AAR it is a lot I am. embarrassed I'm like yo I should have. more I'm rich at heart I'm rich at heart. thank God for that you'd be actually. rich If instead of this $34,000 in there.

you're just investing in the overall. market and something like Fidelity or. Mumu or some other decent platform that. actually makes sense investing in things. that actually make sense not investing. advice again. cuz Okay water bill what is it um I. would say like a 100 bucks the mic I. would say like a 100. bucks gas and. electric 200 oh my gosh okay 200. internet uh like 50 I already did like I. need a minimum of 2600 right that's what.

builds okay okay really like 3,000 well. you're actually you know what we're. doing a loose budget for you right now. to figure out what you can do but you're. going to go through a budgeting program. and I'm gifting it. cuz but I feel no ounce of generosity. let me right now let me tell you once I. get a stable income this this is this is. just go through once I get it back on my. feet with the mindset that I have now. this is all I'll be skinny once I decide. I'm going to go on a diet yeah everyone.

can say once this happens once this. happens do. it doing it go through the budgeting. program get the education behind you. it's literally changed thousands of. people's lives you stick to it stick to. our program take it as many times as you. need ask the. questions be a part of the past guest. Discord okay post your wins post your. fails encourage each other as they do in. there as well okay uh you spent $193 on. gas I with Amazon Flex I do a lot of.

driving yes that's fine yeah but I don't. get I think I do more gas okay what's. your car insurance next what's your car. insurance uh liability 160 I don't think. you have car insurance I have to you do. have to I don't think you do okay total. paper fund $100 that's just everything. you need to survive in life for your. household for you that's makeup it's. things that you can just put put in that. $100 but it caps at $100. $100. yes you practically make zero yes $300.

for. groceries for a single person superill. healthy that's that's fair you can eat. healthy you know 2,000 calories for you. isn't it women 20 2,000 men is like. 2,500 or is it 500 less for I it's like. 15 yeah depends whatever either way you. can do this plus snacks plus dessert and. stuff what's your phone bill um. I had two phones the phone that's on now. is $30 a month good you're on like mint.

or something no no I just go through a. family member who used to work and they. get grandfathered in or some but my real. my business line was 140 a month that. line got written off it's charged off I. think I'm pretty sure cancel all your. subscriptions you obviously cannot. afford them now I did okay well you know. just your debt Min a monthly payments is. already $29 more than you make on a. monthly. basis and that's without doing your. catch-up payments that you're behind on.

that's like literally just the normal. minimums but let's Get You full what's. required to survive on a monthly basis. on a loose thing then you'll get the. exact numbers when you go through the. program okay what is needed to survive. is. $3,162 to survive in Austin that's your. that's your minimum your. minimum I need more than that oh yes you. do but that's your like literal minimum. why can't it just be like oh my gosh. four grand that is like with rent with. insurance with car with everything.

realistically of bills and things that. have gone up are you me this we just did. your budget this these are all your. bills unless there's something hidden. what other bills are you am I missing. you got rent my car note yeah your. mortgage is your rent right yeah my. mortgage my car note is 320 um car oh. car note is 320 yes that's even much. better than I had what' you put 900. before that's what it looked like that's. what you're behind but I'm behind so. this is even better yeah you thought I. was paying $1,000 for a car note oh hell.

no oh no I've seen a lot of people do it. on the show and trust me you'd fall into. that category oh hell no but that's my. car I tried to explain to. you was a gift and I'm trying to hold on. to it I've never missed a payment up. until last couple months i' don't give. how well you've done if you're not doing. it people fall time does that not make. sense yes I know I know but yours is so. much more of a choice than you are. allowing yourself to recognize you're.

being a. child wait you need to survive now with. the real minimum monthly payments is. 2562 minimum minimum why do we change. the minimum do you not understand how. this works I've never budgeted it I've. never listen I am adding up your minimum. expenses for what you need to survive on. a monthly basis and that creates what. you need on a minimum I want you to make. more than that I want you to invest I. want you to pay off debt quicker but. that is the minimum amount of money that.

needs to come in so that your bills are. met does that make sense yeah so we got. mortgage we got car note we got car. insurance um we have internets Gas and. Electric yep we got water yep we. got uh uh your total paper fund your. groceries and all your minimum monthly. debt payments as well outside of your. mortgage minimum monthly debt payments. meaning my student loan student well. student loans is nothing right now uh. but your credit cards and your car as. well I just feel like it I do way more.

than that no you do because you go and. spend money on dumb stuff I'm sorry I'm. just confused how you're confused I I. don't want to be mean if it's if it's an. actual learning opportunity I don't want. to be mean but I I I'm confused how. you're confused I'm not confused I think. it's just that I've been in a position. where I've made more than that and I'm. just accustom my bills are now at that. level but they're not these are your. minimum bills how do you not get that. these are no I do get it and I think. that there's more I'm just like not. thinking of everything oh yes that's. fine you're going to go through the. program and you're going to get your. concrete thing okay okay but I think I'm.

used to making more and so now I'm in. this situation where it's like. oh okay all my bills are still the same. even though we're missing a few I think. it's just like getting accustomed to. like okay wow I don't make x amount. anymore working for blah blah blah blah. blah I'm an entrepreneur I'm trying to. manage my own brand starting from zero. and come out theate everyone. does and so it's an adjustment of like. oh wait a minute this is not what I.

thought it was going to be it's not as. easy as I thought it was going to be I. thought was so that's when you adapt and. you go click you adapt and I go work I. picked up Amazon Flex I did $10,000 in a. year the first year I made 23 and it was. just a subsidize like cool they got. worse so obviously we're not heading in. the right direction I didn't know it was. going to get worse last year cool but it. did so we adapt like a adult it got. worse and and and I'm adapting I am it. literally I am adapting okay as soon as. I get hired I I mean I'll keep. applying I adapted I went and got a.

job and then I don't this is your budget. I should I'm. sorry but I just have to do better and. keep adapting and like keep going after. it and like being a little bit more. diligent for sure listen you're. obviously not open to actual critiques. cuz you're not open to changing your. ways you are set that so disappointing. because we all thought you or a person. that would be whatever your Hammer. Financial score is zero I'd give you a. negative if I could here's your budget.

Dam we're done please leave. okay at least a four we're done okay. you've concluded I'm putting the cap on. my pen it means we're. done thanks to all of our patreon. producers for making this episode. possible if you want to participate in. an episode of financial audit and you're. able to make it to Austin Texas please. fill out an application in the survey. link in the description below you can. also send a link to your friends or. family who you think might be good to be. on the show if you have any questions.

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