Okay, I Think I’m Done… | Financial Audit

What the do you need for me to be able. to have this conversation with you? I had your birth chart in front of me. I. could read you the fill, but right now I. don't. You scam people out of money. You're a. scammer. How are you going to call it as. I see it? Absolutely not. I don't give a Obviously, you're a. complete up. I am not a dare you tell me that I'm a. up. You called your own agency a Ponzi. scheme. Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my. cookbook and notebook signed and mailed.

directly to you. Link in the description. and pin comment below. My name is Star. [music] I'm 40 years. old. I'm from Phoenix, Arizona. And this. is um financial audit. You want to do it again? Yeah. [laughter]. Go for it. This is uh. God, why am I having like a brain fart. right now? My bad. I'm so sorry. You know what? We'll just leave that and. we'll start. That's okay. Thanks for. coming. I appreciate it. That's off to a.

good start. What do you do in Arizona. for a living? I am a social media manager. Okay, short and sweet, to the point. In. what kind of industry? Do you want to. give anything? On Tik Tok. For a company or for yourself? For an agency. Okay. Well, these are going to be very. period answers. I can tell. Period. Okay. What are you making?

Um, it varies. I'm on commission. What's the commission structure? How do. you make commission? That's what how. people would normally answer a question. like that. So, it depends on how well my creators. do. So, if um there's a threshold, so do you create shorts for creators? No, I they're live streamers. Okay. So based on how well they do, that's what my takehome is. How do you help them do better? So I make sure they're in the community. guidelines. If they get um suspended,

you'll be surprised. Well, I do kind of do this for a living. Go ahead. Keep going. Um put them in campaigns. Encourage them. to get over the the roadblocks. Um. things like that. Roadblocks. Yeah. Some of them get burnt out being. live streamers. Wow, I wish I had your. job. Okay. How much do you make? No offense, but that's an easy job. I make 3%. of their earnings. Yes. Or of the earnings that the agency takes.

from them? Mhm. Which one? 3%. Of the creator's earnings or of the. percentage that the agency takes? So, Tik Tok takes automatically 50%. Are you saying you work for Tik Tok? No, I work for an agency through Tik Tok. Do you take 3% of what the agency takes. or do you take 3% of what the creator. makes after Tik Tok's cut? I make.

3%. after what Tik Tok pays the agency. Okay. Well, that was complicated to get to. Uh, as the usual 30 secondond opener has. arrived a few minutes later. Thank you. I appreciate it. So, what hits your. account? Monthly average. Monthly. average. What hits your account? Um, maybe 1,200, 1,500, 1,600.

Okay. Regardless of the hundred from 12. to 15, how the are you surviving? How. the How the possible are at 40? How are. you surviving off of that? You can't be. surviving off of that. What is. happening? Because there's no way you're. surviving off of that. Barely. Yes, I am, though. No. I Well, first of all, you're on this. show, so No. I know. Is that your only income source?

No. Please tell me there's a Thank you. Okay. Again, usually when I ask, "What. do you do for a job?" You would have. said what this other thing is. I'll help. you along. [snorts]. What else do you do? [laughter]. Um, well, I do um. other jobs on the side. What the [laughter]. What the.

What are they? Well, it just depends. what the need is. Some people want their. charts read. Some people want oils made. You go into the hospital and just read. off the chart. No, they're they're zodiac charts. They're birth charts. Sake for sake. All right. I think I. understand who I'm talking to. Yeah. What else do people want? [gasps]. Um, sometimes they just need a little bit.

extra coaching. Coaching? Coaching? What does coaching mean? Um, it just depends. I've had a spiritual coach on here. We. all learned what she actually did. afterwards. Well, I don't That has nothing to do. with me. We're talking about me. Well, I'm asking. I know what I do and I get people. through their roadblocks. I would love you to be able to tell me. what you do, though. [laughter]. That's what I do. What? I talk to people through their.

roadblocks. Roadblocks in anything. Yeah. Okay. My current roadblock is having a. conversation with you. Can you help me. through that? I'm trying to. So, that's the results that people pay. for is I'm trying to. Well, I don't have your birth chart in. front of me. If I had your birth chart. in front of me, I could read you to. filth. But right now, I don't. Read me to filth. How do I give you my. birth chart so I can have a [ __ ]. conversation with you? Apparently, you pull it up.

I don't have a birth chart. What the You. think I'm carrying around with aing. birth chart? Yes. No, cuz I'm a normalish person. Actually, I'm not a normal person. No, you're not. Trust me, I'm not that part of weird. [laughter and gasps]. Dude, I literally just want to know how. what how much money hits your account. and I can't. Okay, they want you to give. me your my iPad. What the do you need. for me to be able to have this. conversation with you? I'm telling you what I do. [gasps].

I don't think she can make it. I don't. think she can make it. I don't think. we're making it to the end of this one. Ladies and gentlemen, we going to make it. Let's go. What do you need from me to have this. birth chart, which is a requirement for. you to tell me how much money you make. on average on a monthly basis? That's. what I make. I told you I answered your. question. Saying she can't answer.

Stop being a baby. You're wasting MY TIME. I'M NOT. YOU'RE THROWING tantrums for no reason. And I just told you. No, you're literally not answering my. questions. I'm asking what do you need. from me for this birth chart? Cuz you. said you need the birth chart for you to. give me the number. Yeah. So, what the do you need from me? Shut up. No. What is it? I don't know what it is. Tell me what you need. Go to the website and put it up. WHAT IS THE WEBSITE? My go ww.

Give me a noose.com. Like what? I'm not a noose. What's [laughter] What's wrong with you? Go touch grass for a second. Yes. Clearly I'm the one that needs to. [laughter]. Yeah. Go to the website. That is not usually. the helpful astros.com. Oh, okay. What? Oh, we got Okay, let's. see. We're 7 minutes in and I got one. answer, ladies and gentlemen. What the is that? Okay, go ahead. Type in the website.

It doesn't even work on your computer. It It's a computer connected to very. good internet. So, I is this website. make believe in your brain? Not this make believe. And I apologize ladies and gentlemen. If. this is uploaded, we will get to the. finances. I apologize. Apparently, I'm. going to be dragging her screaming and. kicking until we get there. Except I'm. the one screaming and kicking. Okay. You had a typo?

Yes. Yeah. [laughter]. It's requiring me to create a free. account. No. Why? No. You just go to birth chart. and put in your information. It should. be use. That's a user error. I don't think it is. That is not. That's a you issue. Okay. This one may have been a me issue.

Listen, there was a big start button, but I guess. time. I don't know the [ __ ] time. You don't know what time you want. How important is it for me to know the. time? You need to. Yeah. Get on the phone with your mama. Call mom mobile. Yeah. [laughter]. Hello. Uh, we have a question. We're filming. right now, but we have a question. Uh,

sure. I need an Dad did not know. He guessed 6. or 7 a.m. But let's see what you say. What time was I born? Oh my goodness. Oh, Mom. Please. We need this. Do you I. mean if you can wait a second I can look. at your birth certificate and tell you. you have it. like probably I'm sure I do. Uh we can wait a second. Better. Okay. I just. I think I have it though. Oh well then you need to look. Unless I have like a copy from you.

possibly. I'm feeling like it was pretty darn. early though. I know. I was You were my. first in labor for like 16 hours with. you. So gosh, [clears throat]. I know that's probably not helping you. Hold on. I'm trying to look. Are you actually recording right this. second? Oh, yeah. People are hearing this. Oh, yeah. Awesome. [laughter]. Well, I'm doing my best. I will see what. I can find here for you. February 14th,

1995. born at 4:15 p.m. He was He was completely wrong. He was. off by like 12 hours. Yeah. Well, I was going to say morning, too, so I wrong. Sorry. 4 You said 4:15. p.m. Mhm. 4:15 p.m. Okay. 4:15. Awesome. Awesome. Awesome. All right. Thank you. Thank you. You're welcome. All right. Love you. Bye.

Love you, too. Bye. I don't know how far we are into the. recording for you guys, but we have been. here for 16 minutes and now with this we. will actually be able to get a potential. answer. Okay. Do you need to see it? Do you want me to. for sake? Please, [laughter]. please help me here. So you have a stellium in Capricorn.

which makes a lot of sense since you are. the financial guru. and you have um. you also have your moon is in Leo. You're just reading what the [ __ ]. like. I'm reading the chart right here. You're reading the chart or you reading. what like the bullet points are? Um, do. you see where I'm going? Keep going. Keep going. Keep going. Okay. My moon is in Cancer or something.

Okay. No, it's in Leo. Sure. And your Mars is retrograde in Leo as. well. So, you. please do what you need to be able to. answer my question cuz you needed to. know my snar star chart. You see, I This is what I do. I answered. your question. That is the most You've talked in 16. minutes right there. So, yep. Keep. going. I read people's charts for them. I write up a report and I send it to. them. They pay me for that.

I just need you to be able to answer my. questions. You said you needed to see my. star chart to be able to answer my. questions. for an example. So, you see my star chart. Are you good? Are you able to move forward? Yeah. That's a soft. Yeah. Oh. What was that reaction? Yeah, it makes sense. [sighs]. How much is your account across all. things? Cuz we know it's the 12 to,500. for that.

[ __ ] job. The easiest job in the. world. Come on. It's the easiesting job. in the world. Hey, don't say the n word. There you go. You're not getting banned. on TikTok. Boom. 1,200 bucks. Great. [sighs]. How much do you make across all income. sources? That means more than just one. on a monthly basis that hits your. account. Um, maybe about 2,000.

[snorts]. Okay. So, that goes back to my original. plan. How the are you surviving? Cuz you're definitely not off of 2000. I just am. I don't know. You're definitely not. They're saying you started your own. company. Yes. What the [ __ ] is your own company? I do uh social media management and. consulting. How many followers do you have online?

Uh one account has a little over 4,700. and the other one has about almost. 3,000. Then who the are you consulting? That's one Tik Tok that gets a couple. hundred thousand views and you get that. many followers. What are you consulting? It's not about me. It's about what. they're seeking. So, if they want. What are they seeking that you're able. to provide? Coaching. If they want coaching, if they. want to start. coaching in.

if they want um travel, you know, they want to book travel, they. can do that. I can schedule that for. them. So, you're a travel agent grifter. Grifter? Uh-huh. I wouldn't say I would grifter her. It's a source of income if they book. Yeah, it's a source of income, but. you're not providing any value. Any real. value? Of course it is. What What do they need help traveling.

with that you're able to provide? I get the best deals. Deals that you can't go through directly. through this the website. And how are you getting those deals? I'm a travel agent. Okay. That's not exactly what you were. saying. And you said you were helping. social media influencers, right? If they want to book travel, they. can do that through me. Thought we got rid of that job. No. As a society, I thought we all kind of. moved on.

I don't know who we are. Maybe you. the rest of us. Well, you can't speak for everybody. Last time you've used a travel agent. Yeah. Jake, when's the last time you. used a travel agent? Literally never. Okay. Both were never. Okay. Okay. Let's see if you can coach. this number out of yourself. We know 2,000 comes in. Uh which by the. way, no. I had miscellaneous deposits. like we don't know. 985.

168 came in through PayPal. So there. we're at 120. And then child support. came in. Yeah, the second biggest income source. almost as big as the first one is. because you have kids and I guess we'll. get into that. But how much came what. how how much went out though? How much. was spent because 1,800 came in? 40% of it from child support. How much. went out? Can you coach it out yourself, please? You need to call the stars. You. need to summon them down. Talk to Mars.

Jupiter. Hello. How much should I spend. on what account? Everything. Oh my everything. Everything. Everything. Everything. This can be debt. It can be. anything. Um, all your accounts. I don't know the ranges. I. got a chart for it. You need to put in. your birthdays. We need to get down to the millisecond. in order to get this number. I don't know. It could range up to. 1,900.

Just depends. up to from what when. someone gives a range they usually give. this where the range starts. it could be 900 it could be a thousand. it could be 800 one month I mean it just. but this last month. what do you think you spent. um. probably 800. do you have rent. yes. how much is your rent.

$243 $3. The. Oh my gosh. I There's so much we have to. get into. No, by the way, it was $4,000. So, you. you. How? Your actions. [laughter]. Dang. Okay. That's tragic. This agency. Mhm. This work that you do. How many clients. do you have? About 68.

And how often do you actually talk to. them? Um, it depends on their needs. Why the would they actually sign up for. you? Because. I have the leadership skills. Yes, your leadership skills. Please tell. me. Please inform me. I'm hiring right now. In fact, one of. those positions is a leadership. position. Please.

How would you qualify? I have the leadership skills. I have the. education. Let's elect president. I have I have not just the the. education, but I have the skill set that. is necessary for managing people. Wow. You just got no jobs ever. Um with. that answer, how. I asked you. what makes you qualified and you said I. have the skills. I do. People usually give examples. People.

usually demonstrate what these skills. are. They usually don't say, "I have, you know what, I'm hiring for video. editors right now." In the interview, people don't say, "I have video editor. skills.". It depends on the job. So, in this, so you just scam people out of money. Let's be honest. You just scam people. out of money for their charts. You scam. people out of money for helping them be. in community guidelines. You scam people out of money. You're a. scammer. I'm going to call it as I see. it. I don't give a [ __ ].

You're a scammer. I am not a scammer. I mean, literally, the producers are. telling me that you called your own. agency a Ponzi scheme. You're a scammer. That's tough. Yeah. [laughter]. The. Okay. And if it wasn't for your kids and child.

support coming in, well, I mean, it's. not like you cover your expenses anyway. You're just going further into debt. So, I I I don't I don't I don't know. When did you start your own company? This this. in February. Okay. And the company that does. literally every service ever created. She agrees. Okay. Yeah. You were supposed to agree with that. Mhm. You're supposed to say no. I focus. on Okay. [laughter].

How old are your kids? 20 and eight. A 20year-old? You have a 20-year-old? Yeah. An adult? Absolutely I do. And an 8-year-old. That's a big gap. Listen, there's nothing wrong with. having a kid at 20 if you're ready. especially. But like there's an adult in. your life. Yes. And you've never faced push back for. you're creating your business, the.

everything business. It's the Amazon of. your brain. No, no, no push back. Who's going to tell me how to. 20-year-old adult child? He's an adult. What is he going to tell. me? Mom, you're [ __ ] up your life. How? You don't make enough money to meet the. bills. How does he know? He doesn't talk. You guys don't talk. Why would anybody know? You only know.

that right now. It's because I'm sitting. here talking to you. You don't talk to people. Other than that, it's nobody's business. how I spend my money, how I make my. money. I talk to people about my life all the. time. Why would you Why would you not. want other people's insights? No, I don't need them in my business. It's not their business yet. Your entire. career is you being in other people's. business. No, I'm not in everybody's. business though. If they come to me and. they give me permission to Why do you. not seek people? One thing, but I am not in people's. business unless they give me permission. to be.

Why would you not seek people for their. insights into your life? Because. obviously you're a complete [ __ ] up. I am not a [ __ ] up. Yeah. Spend double what. you tell me that I'm a [ __ ] up. You spend double what you make. You only. grift for a living. You work for what. you call a Ponzi scheme. Excuse me. What's going for you? My life. I'm still breathing. Okay. Uh being able to survive as a. sentient being. That's it. That's our gold stars.

Yep. And how much money has this business. made? Your entrepreneurial everything. I just started it. in February. in February. I just How. much has it made? I It hasn't made. anything because I haven't I just. started it. Sake. Yeah. When is it going to make money? When I start marketing. Oh, for sake. How many hours a week do you put into. it?

I'm putting in about 25. How is that possible? Isn't the entire. business just talking to people? How are. you putting in that many hours, but. there's no money coming in? Because right now, I was focused on the. travel agency part of it. Getting that. set up and marketing it. But 25 hours a week for 3 months. Not for 3 months. Two months. I just started. It's a process to get. people to want to book with you. No, I agree. But you said you're putting. 25 hours a week into it. Yes, I have to. I have to.

There's trainings that I have to. complete. I have to get certified. It's. not a travel agency. Yes. It's not a walk in the park. No, you do not need to be legally. certified or licensed to become a travel. agent. It depends on the agency you work for. Well, I thought this was your business. Why are you working for an agency? I work for a host agency. Oh my god. I have my own business. You can look. them up. Lindsay, the the the the the people you. find in this country.

will never cease to amaze me. Okay. So, you're not a business. You're. a contractor to someone else's business. You do not own a business. I have my own business. But it's not the travel agency. It's No, that's that's not a part of. that is a part of my business. What are you putting 25 hours a week. into? I had to do the trainings. And it's 25 hours a week for 2 months. For the trainings? Yes. It's 25 hours a week for two months. I.

started my business and I have other. trainings that I was personally doing. for my business. Can you tell me what the trainings were? It was business management that I. personally was doing. What business management? The ones through the library. The like the local library. Yes. And it was 25 hours a week for two. months. I was taking I I'm also a homeschool. teacher for my daughter. Okay. No, but you're telling me how many. hours a week you put into your business, not the other stuff. Right. As I'm going as I'm going through.

these steps to start up my business. correctly, it's not going to be let's. just push it out to the world. No, I. want to make sure I set it up correctly. and that's what I was doing. I get it. But you haven't been able to. tell me how you've been doing this for 8. weeks, 25 hours a week. So, let me just, you know, crunch between the two of. them. You put in 200 hours. So, between the two of them, you've put in 8.3 full days. So between the two of them, my business.

two of what? My business and the travel agency, those. are two separate trainings that I've. been doing. And each equated to 24 hour uh 24 hours. a week. I said between 25 and 30 hours a week. It goes up to 30. That's what I was saying. Can you tell me how you have set this. time aside? 30 hours a week. Divide that. by five. Six hours a day. So, between. the time that I'm at home with my. daughter homeschooling her. No, no, no, no, no, no, no. That wasn't.

included in the 30 hours. You said your. business. And then you said your. business and travels agency. Now, are. you saying the 30 hours a week is. business, travels agency, and. homeschooling? Between the hours that I'm with her, homeschooling her. I am doing these. trainings. What trainings? The trainings for the the travel agency. and also the. certifications. Tell me what they are so. I can look them up and see how much time. goes into them. Because again, you have. done eight weeks, 25 to 30 hours a week.

That is not No. Are you giving up on. that? Because I feel like you're just. lying. Like all you. There's nothing to lie about. Well, I would assume. Well, there's certain things I can't. show you because that's not for me to. show you. That's You're not a part of the agency. Yeah. Not only that, but then I. developed an e-learning program for. social media. You developed an e-learning program? Yes, I did. Now that I can personally. show you. sake, you developed an e-learning program.

You know what? The word grifter gets. thrown around online. And I'll let you. into my personal life. I've had a couple. people call me a grifter. And this is. because I sell products online. It is. only because of people like you that. people look down immediately at the fact. that I put an on educational program and. have launched a budgeting app. We have. worked with experts, put in hundreds. upon hundreds upon hundreds of expert. hours to craft like the lowest refunded. rate industrywide educational programs.

And yet we get called out because we put. on an online program. And it's only. because people like you go out there and. JUST PUT OUT SLOP AND CHARGE HUNDREDS OR. thousands of. How do you know it's slop? Because I'm talking to you. So what? I. But how do you know it's slop? Because I'm talking to you. How do you. know I didn't go and get somebody to. mentor me through this? Because I'm talking to you. You can't. speak on anything. There's not one thing you're able to. speak on in a.

halfway intellectual great intellectual. level, no rebuttal, no thought. No, because I know what I put into that. e-learning program. Okay, tell me. I went and sought out a mentor to help. me put that together. Who was the. mentor? The It doesn't matter who the mentor is. It absolutely matters who the mentor is. Her name was Jamie. Not only that, what? I don't know. I don't It's in my phone. We We'll bleep the name. We'll bleep the. name. Jamie what?

I don't know her last name. It's in my. phone. Pull out your phone. J A. M I E. That version of Jamie. That. spelling. Mhm. Okay. Jamie. What? And it's a it's an educational program. on how to. not get banned on TikTok. No, to stay safe. It's for like people. around 16 years old or so navigating.

social media. to stay okay. To not. get called a slur online. No. To not get didd through the screen. Like. what are they getting safe from? I feel bad. I don't want to on your. entire life, but you have not been able. to give me anything. And I I'm also not. just going to sugar coat it cuz I can't. let you think you're just doing well, especially since you have kids. Oh, so. you're homeschooling. Okay. Um,

this is the training. Yours or hers? That's mine. This Okay. So, we're using stock images. Okay. This is also my first. discover purpose and power in the. digital space. Building a strategy for. growth. I thought this was about. protection. It [clears throat] is. It goes further. into it. Okay. Creating content that connects. Okay. Three chapters out of seven. Nothing about protection yet. Four. Showing up constantly and building.

confidence. Not about protection. Five. Growing your community and influence. Not about protection. Six. Monetizing. and partnering with purpose. Not about. safety. Seven. your digital talent. portfolio in future steps. Okay. Nothing. Safety wasn't mentioned once in. a course about safety. It is. How much is it? It's going through copyright right now. What? What copyright? That has to be copyright before I put it. on. You're trademarking it.

It's cop being copyrighted. How what the do you own in here? That's. like uh intellectual property. I put it together. That's what I was. supposed to do. How much is it going to cost? It's not going to cost very much. How much is it going to cost? Like $59. [sighs]. It comes with a test. It comes with. everything. A workbook. and more stock images. What was I supposed to use?

He's very happy he took this class. This is a fun one. I get to get you free. money and then I get to get myself free. money. It's a pure win-win for both of. us. What do you have to do? Sign up for. a SoFi high yield savings account and. get a welcome bonus of $300. Sign up for. Acorns using my link and get $20 instead. of the usual $5. Finally, sign up for. Silo and earn up to $5,000 in cash back. on your own stocks. These offers have.

been negotiated to give us both more. money than using traditional signup. methods. So, use the links in the. resources section of the description. below and get yourself $5,320. right now. Speaking of education, I will. gift you real education from course. careers when you decide to get a real. job. How many hours a week do you work on the. Tik Tok bull? About 20 hours. Okay. So, on the job you get paid on,

you work 10 hours less. Mhm. Why the don't you have a real job? You're a mother. Because I homeschool my child. Send him to school. She is on the spectrum. How far? It's a spectrum cuz we're all on it. Is she able to operate? It's none of your business. Well, no. When it comes to you not being. able to work in this conversation, it. is. I need a flexible job. So, I'm doing.

what I have to do. Is she able to operate in society? Yes. There we go. And there's programs. where I no where I live is not adequate. enough to handle. her educational needs. So that's why. you. she's on a program. She goes and sees. OT. She's doing what she needs to do. And yes, right now virtually it works. for her. Buddy, you'd make it you'd be making. more money just doing customer service.

from home. Just customer service. If there were no phones, yes, I could. have. a job without a phone. There were no phones. You can't have a phone. She's at home with me. So, you're not allowed to have a phone? I can't have a job where the child is in. the background. So, you're never going to be able to. provide for her, then? I'm providing for her.

No, you're spending double what you. make. And a third of your income comes. in through child support. Not saying. that you shouldn't get child support, but that's basically the only reason. you're able to almost survive. Sounds like you're in a rent controlled. situation. Is that correct? Yep. How long is that? Is it. When does the one year end? In June. And then what? [snorts]. And then I decide whether I want to stay. or. You're allowed to stay for the same. rent. Mhm. Okay. So that's not a big issue.

Why don't I fully believe you? What is there not to believe? Just uh I mean they're telling me you're. considering moving to Austin. So. yes, I am. Why? Why not? You have no money. So I'll make money. so far. No. What's our plan? putting 30 hours a week into education.

that we can't define or explain. There is a plan. Okay, now it sounds like a presidential. debate. I'm trying. I'm. What's your try? I have um plans on finding a job and I. use my chart. I use numerology. chart. So, someone pays for what I just. did.

Yeah, but I make a whole. They can just put that in GPT and it'll. tell them. Not necessarily if you don't know what. to put in there cuz it's not chat. GPT. is not always correct. I think it'd be able to tell me my moon. and Mars. That has nothing to do with numerology. or where your north node is at and how. you can progress and make profitable. moves. If you looked at it, tell me. How do I make profitable moves? You saw my my star. Please, I'm.

your north node. Yeah, tell me. Okay, I can do a reading for you. Would. you like that? I. thought you already did. I looked at your chart. This is card. reading. [ __ ] sake. [gasps] Okay, people are. going to be upset if I don't get into. the finances. So, let's do a little. finances first, then I'll let you play. with your toys. But. [laughter]. that wasn't a joke. You said play with. my toys. Yeah, that's all they are.

That could go real left for a lot of. people that don't know what the toys. are. Yeah, I'm not picturing you using a. vibrator. Well, don't use toys then. Naughty. No, I have zero interest. [laughter]. Don't need to get you your third. Relax, Caleb. I'm feeling fine, man. I just wish I. could get you to. comprehend any semblance of reality.

Okay. Navy Federal. Oh, good. Yeah, we're at $9,455. for someone who takes uh. um uh basically 4 and a half months to. make that amount. before any bills. Great. And of course, you didn't even make that amount in the. month we're looking at. [laughter] So, it doesn't even matter. [gasps]. [sighs]. Met a monthly payment. Oh, good. 214. So, of what you do break bring in,

that's already uh an eighth of your. money gone. That's a different account. So, what I. bring in does not go to Navy Federal. This is your debt. I don't give a what checking account. your. money hits. Why does that matter? Yeah, you're. right. Your payroll doesn't go into a. credit card.

Why does that Oh, for sake, dude. Oh, I was going to break it down for you. because they're different accounts. Please break it down. And there's different money that goes. into these accounts. Yes, break down, please. So any of the. money that I get from like taxes or lump. sum of money goes into my Navy Federal. and just stays there. I don't touch it. That's what pays my car note. That's. what pays the loan.

and that's how I'm able to pay that off. Me I thought they gave you the fake name. star because you're into astrology, not. because you have the mental capacity of. a stripper. Oh, wait a. s. $1,336. being spent on this card. $120 of. interest. Why the are you ONLY PUTTING. THE MINIMUM monthly payment to it, putting thousands of dollars onto it. when interest is acrewing?

Because I wasn't always doing that. I. just recently. Cuz you weren't always That's not Why. did you do this? Because I wasn't always. doing it. What? [laughter]. Did you hear that back? Can you ask me. why I did this? I wasn't always doing. No, no, no, no. Ask me ask me why I. spent this much money. Why did you spend all that money? Because I wasn't always doing it. Does that answer the question to you? Yes. Really? Okay. Can we go in depth into.

that answer then, please? So I can at. least understand it, right? Cuz I need that translated. I guess. I only took I only put that down to the. minimum payment after Tik Tok went dark. and they. it went dark for two days, right? But when my creators left the. platform, you this is last month. It didn't it. went dark what? 3 months ago. 3 months. ago, right? So I had to shift the minimum. payments to reflect on how it was going.

to affect my bottom line. This statement. is two months after it went dark, right? I'm always going to be a month. behind getting paid. This was two months. I'm always going to be a month behind. This was two months, right? And I had to wait for my taxes to. roll into that account. into your credit card. into the Navy Federal. Then I put the the state the the credit.

card back up to start paying it off. faster. Okay. Can you please stand up? [snorts]. Can you please stand up? Try. Okay. Take that mic. Grab it. Put it. that way. That way. No. No. No. No. No. The chair over there. The chair over. there. The chair over there.

Chair over there. Okay. Sit down. Sit. Sit. Sit. Scoot in. Scoot in. Scoot in. Scoot in. Very good. Bring the. mic to your face. Okay. Stay there. What the.

You're my most moronic employee. I I. need you to be a translator for me. Okay. A [ __ ] translator. Here, we can reframe. Okay. That's why Brandon is here. We got. both Brandons. I'm going to ask you this question. again. I'd like you to answer exactly. how you answered. Why did you spend money on this card?

with the intention to pay it back. That is not what you said, but sure, let's go with that. I asked, "Why did you spend money on this card. with the intention to pay back? Can you. please translate what her actual. response was?". Explain that one more time. I need a translator for you, dude. Come. on. [gasps]. You said you you're here to translate. for her. [laughter]. Um, she said, "Well, first of all, her.

first response was. because I wasn't always doing that.". Because it's been a few months or. something like that. Okay. It was more of how you structured the. question around why I was making the. minimum payment. while spending quadruple the minimum. monthly payment on there. Can you tell. me? And I that's what was my response was. What's your response? that I was more of. that I had intentions of paying it back.

Okay. What the [ __ ] does she mean, boss? I can't explain that. Brandon, come on. Give it your best. You. have to be my translator here. Okay, so spending the money. because we intended to pay it back. We were going to pay it back, but we haven't. So, you spent money. Interest is acrewing. Takes three 25. years to pay off. By the way, 25 years.

to pay off. You have a kid, 20-year-old, homeschooled kid. Kid can't afford your. bills. This takes four months to pay. off. You know, interest is acrewing. Why. would you put money on a credit card and. not a debit card when interest is. acrewing and you can't pay it off? It's connected to my PayPal. So if if. there's larger. debits coming out of the purchases, it. was hitting that card instead of the. debit card.

Uh we're using PayPal instead of uh cuz. it's linked. You're not using PayPal unless this is. attached to PayPal. The the card that. So when you spend money through PayPal, it's charging this credit card. Yeah. And I didn't know. Why the are you doing that? I didn't know. You didn't know. So, if I. look at your statement right now, there. will be no more spending on it if you. pull up your phone. Besides. certain things, yeah, there's a couple things on there.

Okay. [sighs]. If I could go back in time, back in. time, back in time, and just straighten out my finances, here's something I'd fix sooner than. later. My credit score. Because let's. just face it, having bad or no credit. isn't just an inconvenience. It's a. major roadblock. It's more than just. higher interest rates. It's about being. stopped cold when trying to rent your. first apartment, buy a car, or hit. another big milestone. But that's where.

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paid up to two days early. They'll even. pay you more than $200 a month to take. service and play games all in one app. So, between the up to $500 in annual. perks and the ability to build credit. safely, it's a no-brainer in my book. So, if you're tired of pretending you'll. fix your finances someday, do this. today. Build credit and earn rewards. Download the Step app today and sign up. using the code Caleb for $5 free in your. account upon opening. Now, let's get. back into the episode. If you're an. agency owner or a marketing consultant,

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sweets. Trying to get a another baby daddy. Not too much on me. Not too much. No. No. No. Uh-uh. I didn't spend that, boss. You You You did spend that. I spent it, but it wasn't to make. another baby. Okay. 17% interest, $120 of interest acrewing. Again, I mean, this ising with your. income is absolutely insane. And again,

like you're filing a business to scam. people and you're just a scammer. You. work for a scam agency. That's what you. have said. That is what you have said. I. mean, they said you you've been also. addicted to gifting on Tik Tok. I used to be. Yeah. And now you're a scammer. I am not a scammer. Explain how what you're doing is not. scamming. I'm [clears throat] I'm not I'm actually.

using my leadership skills and my. education. Can. you tell me what leadership skills you. have? I have great organizational skills. I I. build a community for for my people. So, it's not just about. leadership. Being organized is. leadership. You'd be surprised that some people. cannot put together. Some leaders are not organized because. it's not a leadership skill. It should be. being organized. Should be. translate.

It kind of sounds like uh she runs a. Discord. Yeah. [gasps]. Oh, yeah. She agrees. Okay. So, what is all this gifting you're. doing or we're doing on TikTok? All this. money that you don't have that you're. getting from your [ __ ] dads of men. Dads of your. dads of men. Mhm. What is the gifting? Well, first of all, it's not dads of.

men. [sighs and gasps]. What is this gifting? So, in order for you to have some. visibility on TikTok, you kind of have. to give a little to get a little and. No, I just created content that people. wanted to watch. But maybe you should try that. Are you live streaming? I mean, being a. content creator and being a live. streamer, those are two different roads. So, you're gifting in your own live. stream? No, I'm not. I'm gifting in other. people's live stream.

Why does that matter for your live. stream? because a lot of them would come. back around and they would gift you. How long have you been doing this? Well, I don't do it anymore. How long were you doing it? Like a year. And you accumulated 4,000 followers. Yeah. Well, over that. It's a total I. have two accounts, so it's almost 8,000. Translate. We're paying for clout. Yeah. And that's what you're going to. coach other people to do, just to pay.

for clout instead of actually make. content that people want to watch. So, you never made content that people. wanted to watch. You just paid for. clout. You paid for clicks. You paid for. views. Content creator. And then you're going to sell a $100, $50, whatever course on that. That's. what you're going to tell people to do. And that's going to teach them how to be. safe. The doctor does it all the time. Does what all the time? That is a course that they teach on. their line on their. Yeah, but they probably know what the. [ __ ] they're talking about. Okay. Well, you don't know me. I don't. know you. So, I know you have 4,000 followers.

I can't pass judgment on something that. I thought that I was knowledgeable. about. I can pass judgment on analytics and. what you're trying to do and already. working for a scam agency and then. you're just going to repeat that process. instead of actually providing any kind. of value to this world. Well, if I'm entertaining and people are. gifting me, then that's what I'm going. to do. But they're not gifting you. You're. gifting other people. I was making. But you paid for it. It was I wasn't always paying for it. I. had fans that came into my room and. enjoyed me bruising people's egos.

That's what I did. What? It was entertaining for them. What What do you What do you mean? It's a good type of banter. What? What do you just sitting there. trashing them? It's called bantering. I think that we're talking to people. We're paying to talk. You're paying to talk. You paid You paid. to get people to come watch you to then. hopefully pay for you to talk [ __ ] to.

them. I don't pay people to come watch me. talk. I have a quote from you that you gave. our producers. Tik Tok is a Ponzi. scheme. You have to give to get. No, that's literally not true. for live streaming. Again, those are two. different. Don't live stream. Those are two. say that's not true at all. A lot of people are not getting paid. from their content anymore. They could. have millions of views. Those that create engaging content that.

people like do. I don't think you're a content creator. I don't think you know what you're. talking about. I'm sorry. You're not a content creator. I. You're going to teach people how to be. That's I'm live. That's your class. That's a content creator. You're a live. streamer. I think what we're trying to say here, boss, is uh I'm a scammer. Well, at least you admitted it. I'm not a scammer. But you're teaching people about. something you've never done. successfully.

How? I was successful. 4,000 followers. That's. How much did you make? I don't know how much I made. So, you going to try to teach people. without a proven record? Cuz you can't. What do you think you made? I mean, give me a range. And remember, ranges. begin with something and end with. something. I probably made in the time that I was. live streaming maybe $6,000. How much did you spend? Probably like $3,000. I lost 50% of my money.

Yeah, [sighs]. dude. I don't know. I don't know. And. now you're going to teach a class on. that. Come on. Come on. And then you're. trying to reading again. Pretend I paid. you. Oh, okay. No, let's do one more. document, then I'll let you play with. your littleing I'll let you pretend like. you know something. Okay, quicksilver. I'm being mean, but I This is [laughter].

not feeling. I like when these conversations have. some productivity to them and this one. doesn't have any productivity to it cuz. you're just in you. It took us seven. minutes to get one answer. Remember. remember that? Do you remember that? Mhm. Okay. $185 minimum payment on this. I don't. know how you're affording to survive. You're not $5,562. on this interest acrewing. You made your. minimum monthly payment. What's up with. this card? How long does it take to pay. off? How long does it take to pay off?

Summon the stars. How long does it take. to pay off? I don't know. Summon the stars. How long does it take. to pay off? I don't know. What do you think? How long do you. think? I don't know. How long do you think? [snorts]. The word is think. Maybe 2 years. 21. Your kid will be 41. Well, it was at 9,000. So, and that's. not by any fault of my own. So,

go ahead, tell me. That card was triple charging from. multiple different vendors and some of. the vendors fixed it on their own. So, and I'm still in dispute with that. company for. how much of it? Majority of it because it was capped at. 4,000. What? Your limit? Yes. Well, they raised the limit cuz they. loved giving you money for you to give. them interest. But I wasn't spending at I wasn't. spending it. [clears throat]. All of it?

Yes. All of it was scam. They were they at those vendors every. time, especially during the holiday. season. What were the vendors? It was like Target. Um, and you're telling me you did not spend. any money there? Not for those transactions. That's why. I'm still in. Not for those transactions. I spent on the card during those times. That's why I caught it. We're still in dispute with that for. that card. I spent a lot of money and now I'm not.

taking the blame for it. It's proven. Some of the vendors fixed. it on their end. Now, Capital One has. How much of the five? Um, so far it was. No. How much of the remaining is in. dispute? Majority of that. How much? They took away four. It was at nine. I'm asking how much of the five is in. dispute. Majority of it. The card would have been paid off by now. because I've only spent the initial.

principal was 2,000 something. 5,000. I don't know. I don't know. I don't know. It's in dispute. But you just don't know how much. Well, it's a crew interest. I'll tell. you that. When are you going to get into the. business of doing this to other people? I'm not. Until you're almost kicked out of sub. subsidized housing.

Listen, my question is, and this is a societal. question, I'm not against the idea of. subsidized housing for people that can't. take care of themselves or uh food. stamps for those that cannot take care. of themselves or unemployment for those. who are not able to get employed when. they get laid off. Obviously, we have a. social safety net for a reason. That. being said, you literally could go get a. job and actually afford unsubsidized. rent, not being subsidized by the.

taxpayer. You could go do that. You are. literally choosing not to because you. want to build your business. Why the are. you allowed to leech off the taxpayer? I'm not leeching off of anybody. And I. have tried. tried what? I actually my last job I had a really. bad situation. tell. where I was interviewing men in. particular and every time I got on the. screen with them, they got their little. willies out and started whacking him.

Uh, I'm not going to have you translate. that one. Every every Well, that you said the word. interviewing. You were interviewing. them. Yes, it was on. What was your job? It was a food and beverage platform. They were in the shower. They were just. taking advantage. I shouldn't laugh at that. I shouldn't. laugh at that cuz I don't I don't know. if it's a.

Well, huh. What was it? Can you describe the. job? Can you give a better description. of the job, please? Yeah, I just said I was doing. I said better. virtual interviews for a food and. beverage platform. The interview. So it was like um it was. like. so people would go on there looking for. like day work and other employers needed. shifts filled. and every single man got on there and.

masturbated. They say every single man but I had some. did. so I had so many that I could not take. it anymore that they were just sweeping. it under the rug. There was no. safeguarding for. good for I agree that just it didn't. just happen to me. No, they fired me. because I reported them. Uh, okay. I would have sued. I. listen, it's I don't want to push back because.

that sounds horrible, but the fact is. with this entire conversation, it makes. it impossible to believe you, but let's. just let's just believe you, okay? I'm. believing you because you look evil if. you don't. So, even though you've been proven to be. a liar the entire conversation, I will. believe you in this. [gasps]. Okay. So, good. Get fired or leave the. job. Great. Um, I guess there's no other. companies employing people. than just that. I don't know because every time I've. No, the answer is yes, there are other.

companies. If there is, I have been rejected so. many times that it's being it's very. hard to find a job that aligns with what. I need to do for my daughter. Over the. past year and a half, my team and I have. worked with experts to create the. literal best for financial education. programs on the entire internet. And. even with a full month for a money back. guarantee, we have the lowest refund. rate in the entire industry by far. So, I'll teach you how to budget no matter.

where you are in life. How you should be. investing based on your investing. profile and how to get into real estate. for the very first time or grow a. massive rental property empire like I. have in my own life. And I can also. teach you how to get out of bad debt, but also utilize good debt to your. advantage. And each of these is. available individually in the education. section in the description below. But at. the top of that section, you can also. bundle all four of them together for 15%. off. So, join the over 10,000 people who.

have gone through my educational. programs and have changed their lives. And to learn more, just go to caleb.com. or just click those links in the. description below. I don't know if I. fully believe that. I feel like you're. you want to homeschool though based on. you based on you are you're you're a. chart reader. You'reing stars only. I. feel like you want her in your special. little net of your core beliefs. It has nothing to do with Yes. I want. her to have the best education for her. in the area that I'm at right now. because they don't have the best.

educational system where I'm at. The best education based on what you. believe is the best education though. It's proven. They don't have scores at in the school. system. I I can vibe with that. Okay, there it. is. So, it's not because of on the. spectrum. Now, you're just doing because. of the schools themselves in that area. and the ones that that. Oh, yeah. There it is. Caught it. That. wasing caught. Oh. cost a lot of money. and the grant did not cover the one that. you need. It cost a lot of money. It costs. No, not the public schools.

The private schools that cover the. special schools that take. Well, yes. So, I mean, this is the. chicken and the egg situation. If you. don't work, you're going to live in a. lower income area, which typically has. worse schools. I mean, that's how it's. going to go. Or if you worked, you could. be in a better income situation where. you can live in a better place with. better schools. Which one comes first? Which one are you. going to allow? Right now, you're just. sitting and saying, "Nothing can change, so I'm not going to do anything ever in. my entire life.". That's why I.

So instead, you're griing. No, I'm not trying. No, I'm not. You're creating a $50 course on. something you can't even do yourself. And you make us all look bad. Those who. actually sell value. No, I'm not making anybody look bad. Yes, it is people like you that make it. anytime we launch an educational program. that actually helps people. I'm not I'm not. Yes. No, I'm not. Caleb, you're right. You weren't even here for the. conversation.

I'm here now. But you weren't here for it. So, you. didn't even see the what I actually put. together. So, okay. What she put together is a course. on safety and all the modules teach. nothing about safety. You only looked at only the first few of. them. You didn't look through all of it. No, there were seven. And then there and. then on top of that PowerPoint that. wasn't even the booklet. I read the 70 the seven points though. that the entire thing goes through. Okay. Right. I mean it was what you created. in your head. I can't see through your. eyes.

No, but you know what you created. I. read what this goes through. Here's. seven points. No, I don't know. I can't explain my actions. Why? What actions? Okay. Okay. So, I hear you're going to Cancun. and you're pissed about it for some.

reason. No. Well, seeing how you can't hold down. this conversation, I'm not surprised. your conversation with the producers in. this one are going completely different. directions. Translator silence for me. Loading. Still loading. The point of going to Cancun. was for the retreat with the agency,

but I am not going. You're not going? No, I'm not going. You're not going. I'm not going. Okay. You were going to go at the time. of having the conversation with the. producers just a few days ago. I was still considering it. Yes. What has changed? The flight. What about it? That I. Was it going to crash? Did the stars say. it was going to crash? No. What? I just have decided not to go. because of the flight. What about the.

flight? Just I don't I can't afford the flight. Oh, the money. Okay. So, it wasn't. covered. Okay. So, you had to pay for. the flight. It's an actually halfway decent. financial choice. You're right. You can. afford it. You put all your money on. credit cards and your excuses because. you haven't before or in a while or. something. Who even knows what this. conversation? I'll let you do your little thing that. people pay for and we can see if it's. worth it. We'll we'll be back. [gasps].

All right. So, how much do people pay. for this? I don't normally give readings. It's not. something that I charge for. I thought you said Okay. What's your. business? I do. I'm a spiritual life coach. Okay. Life coach me then. Do you want to. life spiritual life coach me or do you. want to do my cards? I want to do your cards. I. I'm trying to can see your business.

Okay. Okay. Okay. [laughter]. I have a website. You can go to the. website. Plug it. Plug it. Plug what? Your website. Give it to me. No, say it. Wasn't it hilarious how that entire. thing was bleeped? Good. Okay, keep going. Okay. Do you have a specific question?

I don't know what I'm supposed to do. Can you You have to be able to lead. people. Do you have a specific question in mind? What kind of question am I asking? I I don't know how this works. Do you have a question in mind? Uh um uh. uh are you going to be able to make it. to the airport without getting lost? This has to do with you. Um what do I what am I curious about. myself?

Um, uh, am I going to upload this episode? [laughter]. There you are. Okay. White dude, blonde hair. Well, fair male, huh? Fair mail. Fair male. Fair male. Fair mail. Mhm. There's somebody around you who is a.

blonde female. More like a cow. That's a ginger. still. Oh, okay. Yeah, there's I know a couple. blondes. Ginger. Do you want a family in the future? Yeah. Three kids. Okay. Do you have a sports car? Nope. Uh, it does zoom, but it is technically.

a family family car. Sports like sports mode. Yeah. Yeah, I guess. Great vine. What do you guys be talking about? Huh? What do you guys talk about? Who's you guys? Like the people around you. The people. that surround you. Uh here we talk about. work and our lives and things in social. world. So are you dating? Yes. Okay. Have you considered like is it. something serious?

It could be. Have you made it like official? Because. I'm seeing open relationship with this. ice queen. If it's not your if it's not. somebody older than you, is she a little. bit older than you? No. Okay. Is she the same age? No. Okay. So, it's going really well. I'm glad people. don't pay you for this. Keep going. Well, I'm just saying. But this part is. true. That I'm a guy. Yes, that is true. Confirmed.

That you want a family. Yep. Which I think you would get with. most people. The family talking about it. You don't. talk about your love life to people. You're pretty detach. You're pretty. detached from your love life. and like what would that mean? Like it takes you a while to know that. that person is your person. No, I move quick. Actually, you're not. doing this very well. I'm sorry. I move. quick. I don't believe you. I can determine if I like someone quick.

I'm snap judgment if I'm going on a. second date or not. That's dating. I'm talking about. commitment. um whether or not I want to. with that person. It's a little It's. interesting. I mean, this this person's. a little more long distance, so that. makes it this one a bit more complicated. compared to like something else. Okay. I hope it works out. That's it? Yeah. That's all youing got?

Yeah. You. No, it's very discouraging. I'm sorry, guys. I can't do it. What? I can't do it. You can't do what? The reading. I got discouraged. You got discouraged? Yeah. Why? I just damn. Because half your things you're saying. were wrong. Yeah. I would be discouraged as well if I was. bad at my job. Yeah, I am bad. I'm sorry. I I can't do. this.

What? I'm I'm very discouraged right now. Can't do what? The reading. Yeah. I mean, just all of it, like. the scammer part and and. just just everything. I just was not. expecting um. like once this goes out to your. to the internet, right, of what you were on boarded for. Yeah. Multiple times. Yeah. No, no, no. I totally agree. But I.

didn't know that. um. that I would call it as I see it. not necessarily the stuff that I said. was going to be um. used against me like that. But you do scam people. I don't personally scam people. I am not trying to hurt your feelings, but you're you should not be selling a. program online that you are not. qualified for because. that is not besides that. But the agency. is what pays my bills right now.

You call the agency a scam. You said. that before you came on the show. That Lindsay, what was that? Lindsay, what was said? But there is a. she she called the agency a. So you referred to it as a Ponzi scheme. because they give you money to pay. clients, but if sometimes they don't. give you enough to pay clients, so you. have to pay them on your credit cards. and then they reimburse you, but then it. gets categorized as income for you and. not as a reimbursement. That's that's. what I had written in my notes. The way.

that happened is because I they pay me. through PayPal and so if the money is. not there in my account, it goes onto. the credit card. [gasps] But that's. because the the creators have earned. that reward and I have to gift them that. reward. Listen, the thing is. like I call it as I see it and I know. there's roast in here as we had. permission for from you and as you the. multiple onboarding videos and phone. calls you went through was provided. So.

I get it but I'm going to cause it to. say I'm not just going to be like yes. you should go make a class on something. you're not qualified to speak on. Yes, you should stay at a job instead of. being irresponsible, honestly. And. again, this is not to be an insult. parent and going work and put your kid. in a school district that would better. cater to their needs. But you don't understand the area that I. live in. So, only because you won't go out and get a. job. again. Why do you think I'm trying to. move out of that area?

Well, there we go. But you're not going. to be able to unless you get a job. And. Right. And I've applied for different. jobs to get to that point. And why don't. you get a job? Listen to how you've been. in this interview. Let's be real. Let's be real. Let's cut. the Let's cut trying to make jokes on my. behalf. Let's be real. If you were. applying for a job here, you wouldn't. make it halfway into a first round. You need to work on your interview. skills. Maybe you need to take programs. on your interview skills. You could not. hold an interview to save your life. When I ask you about your leadership.

skills, you say you're organized. Like, you need to work on your interview. skills. Your resume is probably a mess. You need to you're in a cycle right now. Okay, [clears throat]. here's the financial order for you. You're in a cycle where you are not able. to make enough money to get out of. subsidized housing and you live in a bad. area where the school district is bad. because you live in subsidized housing. You know, because you're forced to live. in subsidized housing, but you are not. able to escape that. And it's because. you think you are above where you. actually are mentally. You think you. have your skills higher than you.

actually do your resume. Can I see your. resume? Do you have a resume? Yes. Can I please see it? This is the no bull. Okay, I'm not. [ __ ] I'm not roasting anymore. I'm. not doing anything. Let's be honest of. where you're at. That's where it is. You're in some entrepreneurial zone. where you put in 30 hours a week into. nothing. Instead of actually listen, if you have. time to work 30 hours, I bet we could at. least do some online [ __ ] for seven. hours an hour,

which is more money than zero. Okay. Resume one and a half pages. immediate. You're getting cut. That is. really You're gonna defend it against it. even though we already know where you're. in. That is version because not everybody. wants. Your condensed version is a page and a. half. I thought we were cutting the. [ __ ]. That is a condensed version of my. resume. That's the most recent. experience that I have. Can you listen to someone that has. helped people get into career tracks. that have helped change? It should be no. longer than one page for your position.

for what you're trying to do. Okay, let's look at what's actually in here. I. I don't know why there's a personal. summary on your resume. Honestly, I. thought you you should probably just. have skills, you know, relevant skills. that will get keyworded through the. search algorithm as for applying. Okay, this is as someone who's actually going. through like hundreds of RS a day cuz. we're hiring a lot, but okay, here. Results driven with the spacing is. horrible. This is double space. It's. hard to read. resultsdriven professional. with expertise in onboarding, project.

coordination, and customer success. What. is the job you're applying for for that? Because that is everywhere. A resume. should be tailored to the job that. you're trying to do. No wonder you're. not getting interviews. Skilled and Okay. What AI service did. you use for this? Skilled in process. optimization, training and development, and quality assurance with a proven. space ability. Space space space tube. space drive space efficiency and enhance. team performance adept at stakeholder.

communication. Oh, these are just bud. buzzword central. This is [laughter]. what you Okay. Competence management and. technologydriven solutions. Seeking a role in onboarding, project coordination, quality assurance. or customer success where I can leverage. my expertise in operational exist. and. we got to single spacing at that point. Okay, no offense. I see again I'm. cutting the I would not interview you. I.

would not put you into a first round. interview just looking at that and I've. barely made it a third into one page. Okay, can you take that to heart? Cuz I. want you to get a good job cuz I want. you to have a little better life for. your kid. Okay, can you take that into. heart? If we walk away with anything, your resume Okay, now again that was just a condensed. version. You Yes. Okay, a condensed version is all it should be. You should not have a four-page resume, right? A resume should be a condensed version. I'm not making fun of you. I am try I.

want you Let's walk away with actionable. things. Okay, all these spacings. It's. weird that that first part was just. pointless. Okay, core skills and. competencies. Okay, see it feels like we. basically already talked about that. So, we're we're double dipping except this. is like the bullet point version. onboarding and training, process. improvement, project coordination, talent acquisition, customer success, stakeholder engagement, quality. assurance, competence auditing, HDIS, Microsoft Office suite, Google Docs,

SharePoint, CMS. Okay, everyone already. assumes Microsoft Office suite and. Google Docs. You really don't have to do. that. Um, a lot of these things you. really you need to focus are you going. to be a recruiter? If you're going to be. a recruiter, let's focus on just. recruiting skills. Are you going to be a. customer service representative? Let's. focus on customer service. You're double. dipping in both and then all of a sudden. we went into uh auditing like uh Okay. Okay. Professional experience. Creator and manager. This is your. current show. Creator manager. Mhm.

Recruit, train, support content. creators, Tik Tok platforms, ensuring. alignment, developing onboarding. processes, providing on feedback. Okay. This is all very long- winded. Did you. put this through a resume program? cuz. they can like tell you how bad it is. Yeah, I did I did one through Indeed and. Okay, onboarding specialist. Good. Okay, let's focus in on boarding. You might be. a recruiter. You might be a good. recruiter. You might be a good. recruiter. That could be a thing. And.

that's money. It's commission. A lot of. it. Sometimes it's flat. Conducted. virtual orientations. Educated new. hires. Assessed candidate. qualifications. Lead onboarding project. administrator from 2015 to 2019. Serve. this lean on boarding. We are we. [clears throat] know that that's what. the job title was. Uh conducted quality. assurance audits. Manage case analysis. project coordinator compliance analys an. analyst. Okay. Education.

high school diploma. Health service. manager. You don't say what you got. Did. you get a certification or like did you. get a degree? Cuz you're not saying. you're just saying what the location. was. They fixed it like that. But I have. Okay. two AA degrees and um two. certifications, technical skills, ATS, HR software. Yeah. Yeah. You need to be focus this up. on Do you want to be a recruiter, a. talent recruiter? Um I was trying to stay along the lines.

with the creator manager. Okay. Is that what you want to do? Is. that the dream job? That's not my dream job. Okay. What's your dream job? Um, well, I. would like to be an entrepreneur. And. that's not a job. You'd have to tell me. what you want to be an entrepreneur in. Really, it's to be to have my own. agency. Okay. Not on not on TikTok, but in like. entertainment, like. helping people get brand deals and. sponsorships. Okay. Um Okay. So, maybe before you do.

that, you should work at an agency. I. have a that's what I started to apply. and that was one reason why I was coming. to Austin was to bring put myself in. that industry because this is like the. little tech central. Austin's big with that. Yes. Okay. Well, okay. Then we need to cater. our resume to that. Your resume is not. catered to that right now. Right now. it's about onboarding customers and. recruiting talent. You know, let's focus.

on your sales skills. scale sales skills. and being able to manage those. relationships and keep those brands. around. Okay? Uh and also unless you're. on like the talent acquisition side, then focus on that. That resume is close. to that. Get rid of that first section. Let's make it just get the the the words. needed to get through the algorithm. Use. the resume services that are online. It's like a couple bucks. It's usually. worth it. Like when I did that when I was looking. for my second product manager job when I. moved from my first company that I. worked for when I moved down here to.

Austin, I just I gamed the resume and I. got interviews like five interviews a. day. Five interviews a day. It was an. easier time for hiring. I will. acknowledge that. But and then I nailed. those interviews and I made it to final. rounds endlessly. You just have to play. the game. It's all a game unfortunately. That's what it is. That's what you have. to do. Okay, we have a Navy Federal. So, two Navy Federals.

cards. Well, this is a this is a loan, it. seems, of $3,678.33. Mhm. What is it for? That's a leftover balance. for what? I'm asking this. Is that if that's what. you're looking at? remaining balance is. $3,678. Originally, I was going to get um have a. surgery and um. You okay?

Yes. Okay. And it was just an elective surgery and. I. But you didn't have the surgery. I didn't have it and I just decided to. keep the money in there. [snorts]. You have a kid, too. The 20-year-old, do they help? No. Are they still at home? Yes. They live at home? Yes. Rent? You have him pay rent?

No. Have him pay rent? Does he work? Um, he does some side jobs, but he's going to school. Oh, okay. What does he do? He does software engineering. School for school? That's great. Okay. Full-time school. Mhm. Okay. I'm I support that. Cool. Good. He. doesn't have to pay rent. By the way, if. you want to come on the show, you can go. to caleb.com/apply. And if you don't. want to be like this, use the budgeting. app. If you sign up for the annual. version, I'll send you the cookbook for. free right to you. Signed by me. Okay. So, the person alone said the 11.19% and.

you just kept it. When did you take it. out? 21 or 22? No, it wasn't. You've been holding this. for that for years. 3 to 4 years. Yeah. How much was it when you borrowed it? What was the original amount? I think it was 8,500. dude and it's 281. No wonder you can't. survive. You keep building these debts. and then you have these minimum payments. that you can't even come close to. affording. They have notes for things. throughout the conversation so I can. follow along cuz they know your story. I.

don't. I go blind, but they're not. bringing up the bad things that happened. at that job. They're specifically saying. that you told them that you were having. conversations to get people placed in. jobs at service industries, but that. last minute people to fill spots at. establishments. Like I not bringing any of the stuff you. brought up. I'm pretty sure that the NDA has expired. because I tried to sue them. I don't know if that makes an NDA. expire. You're trying to sue them. Yeah, because I didn't go with the right.

to sue. Huh? At firing? That the last job that I worked at, you signed like a severance agreement? No, I didn't sign it. [clears throat]. Okay. So, you kind. But I went to I went through the process. of going the like. through the government to get it. And. so, because I didn't have a lawyer and. they had lawyers, they didn't. they got they got. I agree. But you didn't report it to a. government agency or something. You did.

And what happened? They let it go because and they gave me. the right to sue them. So they're saying. that on their end, no laws were. technically broken because it was with. the third party of the individuals. Unfortunately, I I can I can see that. legally, but. I can see that legally. Now, however you. reporting them, I would have rather them. put in some safety mechanisms, but it's. probably impossible. and unfortunately reasonable to assume. that they cannot control what a third.

party does. Third party was a piece of. they couldn't do anything though, right? I mean, you can acknowledge that, right? To a certain extent, but if it's. happening not just to me, but other. I agree. They need they would need to. put in a lot of safety mechanisms, lots. of vetting. and and not just vetting but the. background checks. They there's no. background checks on on the platform. The background checks show that they. will show PP. Not show PP, but eliminate the predators. that are coming on to because they're on.

the sex offenders list. Yeah. There's a we're bringing people on. to the platform that even if they do say. that we vet them and they clear that. vetting stage, but we're sending them. out to clients and now they're sexually. harassing people in public. I agree. I'm understood. I agree. I. don't know if there's a legal case. there. That's the hard part cuz I can. see the reasonable doubt of like, oh, you know, we can't control but what. they're what someone's going to do. regardless of who they are. But I agree. They should have put in a lot more. safety than I could ask.

What? Okay. What is this? $13,93912. with a 3.19% interest rate loan. It's. much It's a very reasonable interest. rate. What is this? My car. That's not bad. I mean, the minimum. monthly payment is bad. And that's just. a struggle to you is this is a fourth of. your income on a monthly basis. This is. a fourth of your income because you. won't go get a job. What's the car? A Highlander. Year. 21. Okay. Well, it's worth. $37,000.

Mhm. Sell it. Get a $10,000 car and pay off. your pay off all what the [ __ ] And pay. off some of this debt so you can get rid. of minimum payments cuz the minimum. payments are what are killing you. What. are we do? What are we doing? Said that. yesterday. 38,000 bucks. What? Why haven't you? Because it's I don't know. Something. that I worked so hard to get. I agree. But now you have a lot of debt. And I. care about you being able to keep the. roof over your head. And when you can't.

even pay a $100 rent, that's when you. know it's getting bad. Okay. Are these. student loans? Mhm. How much in student loans? Oh, it's. gone. It's gone from 62,000 to 68,000, right? You're probably on. It's been No, it's They stopped it at. 68. Yeah. Current. Okay. So, what's your minimum monthly payment? I. don't make any payments. I'm on. and that's why it's going up because. it's probably interest acrewing and.

you're low income enough because you. won't work to get. So this is a zero. You you don't have to be in that. position. Uh okay. Go program. What's that? My child's point. So she gets her child support in there. and then she goes to Dairy Queen. Hello. sugar fries. In-N-Out fries. KFC. Not. one necessity so far. Shoe box. Jack of. the box. The shoe box. That's money coming in. Dutch Bros.

Dairy Queen. Hello Sugar. Fries. There's. not one thing in here. Uh going in. getting some BS. There's money coming. in. Cartel roasting. Taco Bell. McDonald's. Wow. So none of the child. support is going to necessities right. now. Some of it does. Okay. Well, so far no. Fries is a grocery store. Okay. Let me see. Yeah, but it was 18. bucks. I highly doubt you got groceries. for 18 bucks. You went in there, you. stopped and got some BS. Like almost. anytime we vet anything under $25, it's. usually BS when people stop at a place.

like Target, gas station, grocery. Well, for her, uh, Chapman Sunday, Davenport, Sam's Boat, Whiskey River, went and got. some BS. Went and got some BS. There. hasn't been one thing from our child. support to support our trial. Gas. There. we go. I caning do gas. But that's one. out of what? What have we done? 20 so. far. Chick-fil-A. Texas News.

$41. Oh my gosh. Chapman and Kirby. Chapman and Kirby. This is your child. support money. [gasps]. I'm I'm I'm a little disgusted right. now. I'll be honest. I'm just going to. I'm cutting it. I'm cut the [ __ ]. I'm a little disgusted. Went and got some BS. Jersey Mike's. Grill, Ano, Gas, Chick-fil-A, Dutch Bros, Jack in the Box, Applebee's, McDonald's, Dutch Bros, Audible. We. already talked about going to the.

library. Come back on In and Out Moose. Creary. There's your child support. coming in. So, we got Ink and Dutch Rose. and Jack in the Box. Listen, that says all that needs to be said. No, no, no, no. Okay, that's that is her. If that's what she. wants, then she can have that. Let's cut through the [ __ ] She'sing. nine, right? She's eight. But if that's what she. wants. You know what? She It's up to her. If that's what she wants. 8-year-old. Maybe we should do school.

supplies. Maybe we should focus on. She has that. Buddy, you are all your child support. money is going to fast food. It is. disgusting and unacceptable. Okay. You disagree. Do you disagree? No. Then why do you allow it? Because that's what she wants. Okay. Can someone correct me? Am I. wrong? Does the 8-year-old get to choose. where their child support money goes? Is. that how the it works legally? I don't think that's how it works. legally. I They're only paying a certain portion.

It's not even a lot of money. That is. It's 40% of your income. If that's what she wants. Does a eight-year-old child. get to choose where her child support. money goes or does the primary caretaker. who is receiving the child support for. that child get to choose where that. money goes? Should we find out? Cuz again, I don't believe you. But it's.

like you're able to scam people in a. very convincing way where I think you're. doing that. scanning. Okay. child. The primary caretaker. receives the child support, has full. control over deciding how the money is. spent, not the child, especially not at. the age of eight. There we go. You I. mean, like, I'm I'm disgusted. I'm disgusted. This went from a funny. conversation at the beginning cuz you. couldn't answer conversation to a. conversation where I'm cutting the. [ __ ] to a conversation where I'm now. disgusted. And then the checking. account, it's all [ __ ] It's all.

[ __ ] $1 in the checking account. Come on. This is GrubHub. One $1. GrubHub. Sorry. Sorry, sorry, sorry. No, there's. more than that. That was the dividend. 4,000. So, I don't know why we're not. paying off that, but. we're moving money. Moving money. Moving. money. PayPal. PayPal. PayPal. PayPal. Dutch Bros. Uh, PayPal. GrubHub. PayPal. Dutch Bros. PayPal. PayPal. PayPal. Can you polish your PayPal for. me? PayPal. PayPal. PayPal. Cash App.

Cash App. I want to see the Cash App, too, cuz ew. Disgusting. th000 in. savings. I'm ashamed. Do you not feel ashamed? Not to make you feel bad, but just the. reality of your situation. It's giving people birthday money. Super. chat money. Super chat money. Super chat.

money for the dog. Super chat. Super. chat. Super chat. What is all the super. chat? It's all for one person. Tell me what it is. The super chat. You have to pay them. I pay them. Thought you were done with that. for Tik Tok. Yeah. Oh, dude. It's $10 super chat. $10 and. they're just replying hard heart. You're. super chatting this this person. endlessly. Endlessly. It's not endlessly. No, it's endlessly. It's twice a day, dude. It is all your money.

That was cash app. What about the. PayPal? I asked for the PayPal. Log in, please. [panting] She has a pay later balance, guys. She has a pay later balance to 7. $700. She has a pay. We didn't even know this. We didn't even [ __ ] know this.

Travel. Travel. Jeez. Domino's. Starbucks. Tick tock. [gasps]. Fiverr. No, credit union. Tick tock. Tick tock. That's not. Yes, that's not that's not what I'm spending. on. Yes, those were negative. I didn't call.

out the positives. machine bull. I'm not even going to go. through it all. This is all this is so. [ __ ] stupid. I'm I'm disgusted and this is this is. this is this is shame. This is shameful. This is shameful. I'm so sorry. Kind of. Um. uh Black Century Black Dating app. That's our active subscription. No, it's not active. It looks like you've set it to cancel. You set it to cancellation. Yes. Okay.

I'm I'm sorry. I'm sorry. This is the. reality. And the fun the fun fact is I'm. going to break my promise immediately. I. promise Lindsay that I'm making a budget. for every episode. There's not a budget. to be made here. Come on. You have to. agree. This isn't a budget issue. She's. blowing all her money. She won't go get. a job. She Well, she can't create a. resume to get a job. She's not willing. to like work with people. I'm sorry. There's nothing.

there's not it's not a fact that I won't. create a resume. You're spending 30 hours a week on. education. That I'm not doing the things that I'm. supposed to be doing to get myself. ahead. I am. You're not at my house. You're not on the computer with me. You. don't know the things that I'm trying to. I think we've seen in your life pretty. well here. Okay. It was a snapshot, but I think we're. getting a pretty clear picture. This is. the reality. You need to master your resume. You need. to figure that out like crazy. Put it.

through every service. One page, no more. spaces. Cut that top section. Algorithmically define it for the job. you're looking for. Instead of five jobs. in one resume, you need to. algorithmically [snorts]. make it pungent for what you're going. for. You get all the resources. And I. know it's bad when I don't make a. budget, but there's no budget. That is. not the issue. That is not the issue. You blow all the money. That is not the. issue. You living in a budget. You. couldn't cuz you make no money. because. you spend all your time [ __ ] around. I'm sorry. Hammer financial score 0 out.

of 10. We'll talk more in the post show. and usually it's a little happier but. they probably know something that they. you know we didn't even go through like. half theiring notes. I'm sure there's. some juicy stuff we're going to talk. about. So join Hammerly for the best. YouTube membership on the entire. platform. The platform has said it. themselves and make sure you download. the simpler budget app. Sign up for the. premium version for annual. I'll send. you the cookbook signed right to your. doorstep. and maybe you could use it and actually. cook a meal sometime instead of going to. Jack in the Box. See the post. You're.

getting in drama with other creators. What? Yeah. I had to put an injunction of. harassment against somebody on Tik Tok. Is it a big creator? He's a mediocre creator. You had to file harassment against this. guy. He used to play for the Seahawks. He played for the Seattle Seahawks. How. much were you paying in his chat? Yeah, it was like. I was. I was joking, but I guess not. Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.