Delusional Model Is A Clown

0:00I graduated from Liberty University in 2012! just a big and then the skills underneath there like i'm really gonna client relations in employee training but liberty university 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 because i would have swore you're in your 20s so 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 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 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 you cannot no i mean i literally 2 000 hours 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 tiktok for doing a base pay of fifty thousand dollars they were like that's a poverty wage you're making less than half that 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 entrepreneur 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 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 right while also having a 12 month 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 in 2020 man because you could have and fighting for some pay raises during then.

3:08Yeah, yeah. Times were good in the Austin market and the jobs. Yeah, it's all about perspective. I really, I had lost my mother in 2020 to like stage 4 colon cancer. Oh my goodness. 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 the end of 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.

3:48Yeah, 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 jump in pretty hard. Like they were like literally in Austin specifically, but especially around the major cities, especially in tech. Tech's a major sector within Austin. And like they were just dangling job. No, they couldn't even get jobs out quick enough. Yeah. People to jump into. So what was your experience? What were you doing? Grieving, mourning, taking the time. No, what was your job in corporate America? Oh, in corporate. I worked in software sales tech. So I was made.

4:19You made so much money. I did. And you could have gone right back into that so easily. 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. No, no, it's okay. that was just that was no no i just want to set that expectation like i am sorry i'm after uh you know whenever uh you started to not even like move on because that's such a hard thing it'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 what i'm looking at you've been living off a debt uh 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.

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6:09So 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 Aura brings to your online security with a 14-day trial. Simply visit orr.com forward slash 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 flex 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.

6:42It'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 a city that you cannot survive off of$24 ,000 a year. Right. Which, by the way, will explain pretty much every account we're about to go through, which are ridiculous by any metric. Sorry, I don't even know what I asked you. I don't think I just went into a rant. I'm just confused. Why have we not gone back to making money? Okay, so here we like to do a score, 0 to 10, for finances. give us where do you think you are zero to ten ten being the best zero being the worst where are you right now i would give myself like under a five like just realistically under five well five would be like okay middle of the road you know okay that's solid like a one or two realistically from where i've been before that's more reasonable to now it's just getting back so on this 10.99 for your Amazon Flex.

7:45Brought on a whopping$13 ,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? Many emails. This is just everything. No, no, no. What do you mean? Is it the hours going down? Or, like, what is happening? A lot of people. They've hired a lot of people to deliver. So it's just that you can 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. Yeah, yeah, yeah. So there's more people, so there's less roots available.

8:17I think so, yeah. Which, I mean, I guess I understand it from their business standpoint because they just want people to grab onto them as quick as possible so that there's never a root on. Right. So I'll be up trying to get a root at 3 o 'clock in the morning and I can't click. Somebody else already clicked it. 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 this year. Last year? In 2023, my first year. So$23 ,000. Before taxes. You're f***ing your life. What taxes are you even going to have to pay on top of that?

8:47I mean, I know there's self-employed stuff, but 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, first credit card we look at, past 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 f*** job that pays money instead of 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.

9:21I 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 and 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've done, and you could back it up with numbers of what you did successfully passing the sales, trust me. people still need to sell products right we need to land you a job that makes money i don't get 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 and crypto and i thought i would become a millionaire and are you you were gonna become a millionaire absolutely what do you mean it's not too late but i mean no no what does that mean i want to hear like that what what is your i was gonna 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 my crypto and that whole craze what crypto um i did a little doji 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'm i invested in um is bitcoin's not no okay so dude how are you possibly investing if you don't even know what 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 a third of whatever that was right and everything was great but how are you trading were you like swing trading were you day trading were you buying hold what were you buying whole 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 jet not investing advice my gosh not investing in advice the legal requirements around it or it's really silly that i you know you gotta have a piece of paper to say literally this not an investing device 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 it 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 gonna 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 always gonna Why'd you only put $20 to this when you had to pay $340?

13:04I didn't have I put what I could. Then why don't you go and get literally any job. Textiles 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? I would prefer to Okay well I would prefer to be able my time is worth more then no it's not if it was worth more if it was worth more with all 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 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 gonna do am i gonna pay part of my car because I need it or do I pay put it towards all of this 300 I can't put 300 you get a job instead of trying 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$12 ,000 in a yearly basis$12 ,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.

14:23Okay. And I do have a side gig. 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 f*** do you mean? Because whatever something else is Is not happening So it's called being a big boy Being a big girl Growing the f*** up and doing what's necessary And responsible in your life to actually take care of yourself Right, and that's why I'm back in the market What do you mean back in the market?

15:05What are you doing? I'm applying to jobs I'm applying back to the market 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. It's a lot. It's a lot. Yeah, it's a lot. And my resume is tight. Where are you applying on? Indeed, on Glassdoor, on the actual company website. Okay, pull up Indeed. I want to see it. Really, right now? Yeah, I want to see if you're fine or not. Why do I have to lie? Trust me. I can show you all the emails. I want to see it. Okay. Please? Absolutely. Okay.

15:49nothing like an unemployed person with a coffee and a macbook listen life wasn't always like this okay like i'm just joking that's like the classic twitter this is only temporary like i've been up before i know that's great but you're not paying bills you can't be picking ever the goal beggars can't be choosers right so that's why i'm choosing what i'm trying to get if i have exactly 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 it would in a proper email service but you're using outlook like a disgusting creature all right let's take a look i got you connected i literally i just had an interview this morning good that's awesome how did it go um it went well 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 it's I think it's good Actually, I will take a look at your resume because that could be a big thing I've only gone a few days back but it's looking more like fine today No, no, no, no That's just when I've gotten a response Oh, that's just when I've gotten a response back 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.

17:13No, absolutely. 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 condense this down to one page. Plus it's just 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. So it's normally has always been a page, but I was told by, that hey you if it's over to if you need to add two pages like go so what but make it sure that it's concise because it's always been one page in the last few years but when i was doing some research into the best yeah resume practices on youtube and some sites i was reading yeah i said i always read keep it to one page i've all it man that sucks because i like the way it looks it's easy you know but it's also just lots of lots of instead of key points there's like almost many 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 i've who are you talking to um multiple people and i have multiple different versions of my resume.

18:33This is just the most recent one that I've been putting out. I'd 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 encoupling 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. Your skill section is like, eh.

19:04Your education is like, eh. And it's like 2012 anyway, so who cares? What? It's over a decade old. No, no, no. Relax. What? What do you mean over a decade? What are you trying to say? No, no, no. All that, like, if I'm hiring for a sales position, if people are hiring for a sales position, I want to see what the fuck I've done. All the great sales skills 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 there like i'm really gonna client relations in employee training but liberty university like i think okay there's this okay so just just just a couple thoughts on my end but um okay okay Well, I'm glad you're starting to at least apply to things.

20:00I am glad because this credit card is a joke. $1 ,664 owed. $430 is what is owed right now because you're past$340. You have$40 of fees and then$30 of interest accruing. It's at 24.99 % interest rate. Yeah. That was like a$5 ,000 limit and that recently closed. So it's in collections? Yeah, there's a whole bunch in collections. So the – 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 2020 Kia Optima. Yes. So when you left the workplace, you went and got a Kia because you said 2020. So you went and got a car loan when we left the workplace?

20:44No. I had got it right before June 2024. I wasn't knowing what was about to transpire. so I had got into that car. I actually got a really good deal. It was worth 30 grand. I got it for 15. They gave it to me for half off. Well, hold on. Was it worth 30? Yes. It was brand new. It was a brand new 2020 Kia Optima. Why would they give it to you for half off? Some old people bought it, didn't want it. Who'd you buy it from? Kia. 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. What are you talking about? I am I'm favored meaning you're talking about that means that things happen 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 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 unless they're just desperately trying to push inventory they were trying to push inventory at the peak of the car market yeah 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 due 912 because listen 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 $500 is$15 an hour for 40 hours a week.

22:45You 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 can't. It all recently started going downhill. Congratulations. You recently should have got a job to pay for it. 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 you sat down here and all of a sudden it's missing.

23:19So when I took a look at my finances at the end of – it was around summer of 22, I believe. That's when I started to notice like, oh, the 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 like i said a couple weeks to get a job flipping some mcfries i had money and it really quick and it's why have you not made any corrective i have i know 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 actually i work a lot of jobs not just amazon i don't care i don't i work i don't i don't make it 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 f*** up it's stop f***ing 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 highly doubt even more than one percent of people that do those jobs wake up every day and they're 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 gonna wait till i get my dream job and let my car go get repoed no it's not gonna i'm gonna 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 that's a child no i pay i do i it's just recently just oh my gosh how how are you What are you?

25:48This makes no sense. This and this were 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 f***ing baby. A lot of it is business. Oh, shut up. We'll get there. We'll get there. A lot. 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. Nope, we're gonna find out These are absolutely real I can't say that In the transitional stage that I'm in right now Understanding and working on my spending habits You'd think you'd be able to figure out the transition Yeah, I mean Quicksilver What?

26:35I was just trying to save that one What? You talking about that credit card? Yeah What? I was just trying to save it one close and so i was trying not to let my credit just completely just like say who even gives about your credit at this point you're not taking advantage of credit credit taking advantage of you you're being taken advantage of you're not taking advantage of it i was you're not a credit card person when i was on the good side of it i just ended up that's all it takes that's all it takes you're in the bad side now who cares about the good side a couple years ago a couple years ago was a couple years ago i did dumb stuff a few years ago worked on my life got mental health help did a lot of things to improve my life two years ago well it wasn't two years ago but a decade ago five 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 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 figure out are we just gonna have a go in circles this entire conversation this is the least i am working though like 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 to get those jobs you apply for those jobs while you're working the job well i can do make ends mean okay yeah you're right you're right 150 is owed because guess what fees are charged 39 fees probably because there's late fees yep lovely 842 balance fantastic 21 of interest great love it

28:26Navient Oh well we know you graduated From Liberty University in 2012 Because it's the biggest thing on your resume Oh my gosh it's not the biggest thing Oh my gosh 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 Because they're insanity They are Liberty University private Yes they are 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 because you have a total of.

29:04I think I'm at like 80 ,000. It's like 85, maybe 90 ,000. Are you paying on these? No, I've never. I'm in forbearance and defer. Forbearance and deferred? Yeah. Not even on like an income-based thing? You just keep pushing? The holidays mean more travel, more shopping, more time online, and more personal info in more places that could expose you more to identity theft. But LifeLock monitors millions of data points per second. If your identity is stolen, our U.S.-based restoration specialists will fix it, guaranteed, or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone.

29:37Get more holiday fun and less holiday worry with LifeLock. Save up to 40 % your first year. Visit LifeLock.com slash podcast. Terms apply. our our yeah ibr income based okay yeah i'm 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 these loans it was a lot of deferments and now we're in four burns now we're ibr 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 meet and they literally need money to survive and all these different things yes income-based 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 gonna 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.

30:48No, the American culture around it is stupid. It's fair enough. It's fair enough because for a lot of people, especially 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 they did work their way up the middle class, which was fantastic, but by the time I was graduating high school wasn't the case, but it's always like go to college, that 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.

31:20But obviously there's a wrong way to do it, like$89 ,181 at 7 % interest rates of death and insanity. Sport management degree. Oh, fantastic. That's what you're working on 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 as an athlete, sports. You know, I was like, well, duh, business of sports. Let's do that. And got offered to coach college. And then, I don't know, life happens. And I decided to go be a model and actress and chase that. If you want to chase something, you should chase hitting that subscribe button.

31:59Because we're trying to get to a million subscribers. And we're racing the iced coffee hour to try to get there. So please help supporting this channel. Also, thanks for being on, by the way. because I know this is the hot seat. It's hard. I hope you walk away and get something from this. You're being an educational service to people out there. If you're interested in being on the show, apply and link. There's an application in the link in the description below. But yeah. Thank you for being here. No, thank you for having me. Because I know my personality. I'm a Capricorn. I go, all right. Yeah, yeah.

32:30Don'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 gotta do my taxes but you haven't done what's response you've done your own audit but you didn't make the changes necessary to do it i did no no no we haven't gotten 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 and 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 102 000 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 Oh, okay.

33:33But it's in Austin? What's the value to add 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 ,400? On the low end, I'll just say like$320 ,000. So you have like a... Well, you and your... My sister and I, my younger sister. Are you both on the title then? And the estate. Yeah, it's just me and my sis. Cool, cool, cool, cool. So you approximately have about... don't do it what what even more debt 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'd 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 debts are at like insane interest rates what's the interest rate on your car by the way i didn't even get that uh 13 13.

34:2913 something. Yeah. End it all. That's the lowest I've ever had on a car.

34:38Yeah. Oh! Oh! This I have not seen on this show ever. Congratulations on being so... That you are a groundbreaking first in the history of this 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 year. You better take responsibility. Damn right. I will take some responsibility. Stop getting the table, too. I will take some responsibility as I had to move back home, which is that house that 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.

35:20And I was like, I can't afford this. Which happens to everyone. Life happens. This was last year, last summer. It was an emergency. Like, I had to move home. my sister ended up having to leave her job that she worked at at um a company out here um for like just for personal reasons like i took off when things happen uh with family yeah my sister didn't and so we kind of had this inadvertently like swap what 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 because it's like how much is the monthly a thousand bucks for the mortgage i know it's crazy in austin you have no idea you are crazy you that's what pisses me off about this i don't even make a thousand you are about exactly which is a fucking 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 eighty thousand dollars a year eighty thousand dollars a year after maintenance and gas.

36:20You're not serious. Why would I lie? I mean, I guess. They're grinding. They're working the hours. They're working off of UT. They're working off of downtown. They're working in the Westlake area. They 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 balanced. You won't find it until you pay on your. I know. Well, fine 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 mace payment by you not taking care of your own shit and going and bringing in a minimum of just$30 ,000 a year, which I know you can.

37:03Of 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 You and your sister miss what literally everyone our age dreams of. You have no idea. No idea how blessed you are. I do. If you had any idea, you'd be taking care of this. If you had any concept, any notion of an idea, you'd 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'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 We've had this conversation Not dream job, dream job is not going back 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 f*** it up The only thing that my mom left I'm trying not to f*** it up But every number here and everything I'm choosing to do in life is obviously indicating that I am trying to f*** up.

38:21Damn. 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 Kali. That is a brand and that is my business. Absolutely. Oh my. Bank account and all. You took out a small f***ing business loan? As, yes, I have a business. To be an actor? My brand. Oh, my. Acting, directing. Oh, my. As the brand. Oh, I'm going to vomit all over this table. Kamil Khali, 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.

39:03This means this is you're already in it. You're already in it. But this is a joke. It's not a 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 that congratulations and it makes no money and we're borrowing 20 ,833 it does it's just not a million dollars a year i do make money there's a big difference between 12 ,000 dollars and a million dollars a year i don't need you to make a million dollars 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 it's a process to now i i've I am proud to say, wow, I've made a little over 10K.

39:45And it took a while. No, 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 it back. Why'd you borrow this? It was offered as, hey, do you have a business? And this went, everything went towards my business. To pay people. To pay people? Yeah. Do you know what it takes to uphold a brand? Do I? Do you? Do I? And you pay people to help you uphold your brand. Yeah, once I could afford them. 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.