Dumb Naughty Dancer Blows My Mind

0:00Money's just energy. It's not like a big thing. Oh, shut the... You're going to die in poverty. I'm already rich. And that poverty will be... You are not even close to rich. It's not even close. You're going to die in poverty and you're just going to call... It's just a mindset. You living under the bridge being energy. My name is Priscilla. I am 25 years old and this is Financial Audit. So you're an interesting creature. We... Thank you for noticing me. We've never had someone, a guest on this show that we've had so much trouble with getting documents i'm just gonna call that out of the gate you just like we've never had to get someone to come here well we already have people get here like 45 minutes early to go through bed work and a bunch of stuff and help them where'd you come an hour and 45 minutes early so they could help you pull documents because you didn't even know how to like access your accounts which makes me very nervous going through your finances and unlike most people who come on this show we have a more thorough analysis of their finances done given that you could literally not give us anything but you were like i need help we were like okay well let's do it but also this is going to be impromptu as wow okay i mean it was a lot of work for my team but you can laugh that's to be fair to be fair i was still a little late to the early arrangement yeah i was still a little like 20 minutes late to the original be here a whole hour early before we start performing today so i was late to being early late again so just to throw that out there i think that initializes some character and um as far as some character i think so what does that mean i think that the type of person i am the type of identity i'm so comfortable with like i can show up late and sit up straight like if i need help with finances which is like personally the most boring thing i could possibly lay my eyes on if i need help with that help with right that's what i need help with i love i love needing help with things that i find insanely well why show up late and not be able to like part like help in any way right right right like you want help but you're not willing to help yourself get help so this is me getting help by the way like i am i know i am getting help right now the effort you put in in my opinion from the max amount of effort for the thing that i have interest in makes me the most realist character in my opinion i can't fake what is what is this character thing you're mentioning yeah like for me it's like the way i do things in a way i view yourself as like a character in life or something i actually do yeah that's what i'm from your language because i actually vividly people are gonna like care like i genuinely care about like my character and the stuff why are you talking like an la girl really am i like i've never been to care about my character i've never been to um la never been to la in my life i'm from the south like this small town that probably no one's ever heard of and that's probably where you're hearing like a huge accent from maybe but i've never in my life but yes why were you how are your how are your finances because you weren't i want to talk well because you said something that was cool to me you were like oh you know you needed a lot of help and like you didn't uh put in maximum effort at least that's what i got for my for my people here and i'm just like kind of like set back a little bit because it's like actually i did put all the help like i did do a lot and i've i've do i sent over like all the maximum possible no you didn't you had to get here early and they helped you do it which we've never had to do we filmed like five episodes a week and we never had to do that with a person that genuinely doesn't know what the she's doing genuinely like i tried my absolute best and that is so good for me like i do things to the maximum of my talents because I am so independent and I am doing so much and I really gave like my 100 % all to y 'all so that's like mind-blowing to hear but you are like bubbly I am you are I am but I did put like so I generally put like context we've been sitting here for a little bit obviously as I've essentially said we've been sitting here for a little bit you are interesting i mean i did not know what to expect walking in here and you are like people are gonna think you're like well i mean you said the word character but they're gonna think of you as a character like a tv character you're just like you're interesting i am your character yeah my my identity right who i am right how was i getting where so where are your finances today you and that character yeah i mean my character the character very much as me just so we're like clear as i am my character i am my no i know and that's what i was saying so because you separated the character in me right now that was weird i am the character i am the character that comes in sits up late comes in late how are your finances that is how are your finances good that's your job caleb show me how my finances are that's the part i need help with that's why i came in here because i was like i need help with this department and i was actually excited for your team to work with me because i was like maybe they can shed some light on my situation here because i've been independently financially can you give me any context can you give me any context of your life like good death okay sorry sorry tell me more i think i want a more specific question maybe i'm just trying to sorry the moment you say that you immediately have this bubbly smile should I not smile for you Caleb?

5:46no no no you just remind me of like a powerpuff girl or something I am the most powerful powerpuff girl you've ever met financial statement my no I like it like I kinda give me some financial advice Caleb come on it's just like a part of me I kinda wish like I had that brain cause you're just like so so you want my brain so you're financing I thought I was the one that didn't care come on financial me I need help in this department for real okay you just lost your job right yeah okay why'd you get fired from can i be super honest with y 'all that's what you need i just want to trigger warn all the audience trigger warn everybody trigger they're not weak they're they choose to watch this i enjoy people that that find strength in moments like this right so anyway um trigger warning i lost my job uh genuinely for like some made up that happened um i've been dancing for a year and dancing genuinely has like saved my life and financially and just like all together grabbing my power back and standing up for that doesn't matter anymore and so losing my job for like no reason at all really give me the reason even if you say it's there was there was no reason i went into work reasons what were the reasons they gave you i went into work and they did not let me access my job they fired me what did they say you could not work here anymore look at me you cannot work you cannot work here anymore yeah did you ask why it doesn't matter in a place like that no did you ask why no okay and no one ever told you why so you do not know why so you said for reasons but you don't know the reasons there's drama there's okay tell me the drama there's people outside yeah like i can help you with that but like it just sounds so phony because it's like the reason that i was given through the manager that fired me was you are you are fired you are fired okay you cannot work here anymore well the way that my brain works to the matter is from you know perhaps the manager there was a woman manager that was new there and you know uh she just she didn't i've never spoke to her in my life it feels weird saying this live but you know i believe that's the woman that was just kind of i guess didn't like me and wanted me gone so no you said there was drama what was the drama all right i'll get into it with you caleb so at my job you cannot wear thongs at my at my dancing joint yes you cannot wear thongs you have to wear like panties that can like cover like actual panties panties that you know not thongs whatever so that cover more cover more yes okay cool so i'm there one afternoon doing my dancing thing and the girl manager and the male manager that fires me comes up to me right and um girl manager doesn't talk to me at all and the guy manager's like hey you need to change out your panties and i like kind of laugh at them because i'm like because this was too revealing i didn't know what they meant at that time though because i didn't realize the rules and the severity of the situation i like laugh at them i'm like okay like for real and they're like yeah go change your panties like this is a law like this is really serious like you can get fired i can get fired yeah and i'm like oh i yeah so i'm like oh cool like let me go change my panties somewhere in that incident i offended someone and somehow i got fired what did you say come on you are you i wish i i genuinely wish i said something else in that moment say with this channel growing my schedule has become busier than ever so today i'm excited to talk about factor the reason why I still manage to eat healthy meals despite a tight schedule.

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10:34Again, that's code HAMMER50 to get 50 % off your first Factor box when you click the link in the description below i wish i i wish i knew no what did you say dude caleb i wish i knew that is the type of life that happens like that is when you don't belong so remember things dude that is what it was that is what happened i remembered it like it was last night like if you remember like it was last night then tell me what you said that is what i did tell you what was said that's what was said no you said you said you said something that people took the wrong way and you got fired for it oh i i chuckled at them when i was like what's the big deal about my panties that's what like was the big the big statement that i said well i mean that could be very serious though they could get their business shut down by you're not following legal regulation so it makes sense for you to get fired in that well you said there's reasons but that actually makes sense now i would i never got i never got directed i also don't know i never got directed shut i also don't know that industry so i can't say if they should have given a warning or not it's not an industry i'm interested in yeah fun fact i've never even been to that's lame oh well actually my my friends and i we talked about going uh once a couple years ago just so we could all go one time yeah please go but also i envision it being stinky and sticky and also i don't get it but whatever how does that make you feel caleb stinky and sticky yeah i don't like stinky and sticky you don't you do i mean sometimes

12:03occasionally you are so what you're i think it's something people should experience once in a lifetime for real stinky and sticky yeah if you've never danced on a stage before and got a little stinky and sweaty like on stage and enjoyed life just let your hair down you should really do it oh well i'm not listen again i'm not against it i just never gone sounds like you are no i'm just saying i don't know the industry so but with uh with the potential regulations and laws around things it could have put them in a risky position if you're wearing something that was against the law oh yeah i completely i'm completely like aware i'm a completely aware person and potentially not is all i'm saying because you immediately tried to deflect it on that's what i'm trying to get across yeah that's what i'm trying to make sure you know fair statement i just feel like in that particular moment the way it made me feel was like i've i every day i show up into a place and i'm super super happy kind of like how you met me today like super happy super bubbly super this like whatever type of person just really happy kid you know and then to get five 25 i'm i'm fair to say i'm like i hope people see me as a kid still by the way um but anyways like i hope so like is that such a big crime like i know the real like a kid dancing yeah that would be a crime the reality of it is that i do have the adult measurements to take in hand but is it okay to have a balance of living out my little kid ish life yeah why not throw it in there well okay For what it's worth, I'll embrace a part of that.

13:29I love with my friends, when I get with my friends, I just go completely immature. I just let out all the immaturities. And it's fun. It's great. There are certain points in life, for example, right now, where just immaturity is not the best thing because we're trying to deal with your future and trying to also diagnose things based on what you've done. And you immediately, the first thing we talked about, you deflected, saying that you were fired for some reason in and you couldn't answer questions without me just digging digging digging and that makes me very nervous for the future of this conversation but you sought us out yeah i mean finances so we're gonna go through things okay so as you know we have the the financial score so give yourself zero being worst 10 being the best where do you think your finances lie today um zero that's good and honest if you want your hammer financial score link in the description below it's free make sure to give this video a like by the way it really helps this channel out you have no idea uh okay so zero out of ten i appreciate the honesty now why do you think it's a zero out of ten um yeah i just um i i want to stay away from like oh i'm just knowing where i want to be right now but i mean i'm just knowing where i want to be right now like financially i have no savings financially the investments i'm making are really nice um but they all take time and it's kind of investments are you making uh investments just like into myself to for future businesses and stuff like that like for example i don't know the one of these legitimately come on yeah like that's the route i've been taking um just trying to the last person who said that tried to cancel me are you gonna try to cancel me cancel you what does that mean yeah the last person who's like oh i'm just investing only in myself like are you gonna be one of those i don't want you to be like what discount on me oh i'm not gonna go into that but i'm just saying no i'm not gonna do it that does not align well the fact that i've heard other people who are not will i say that that's still my current mindset will i say that i was in a place where that once was when i invested and i learned lessons yes how are you taking care of yourself today after losing a job though yeah thankfully i just have like my clients just literally taking clients clients from the club just literally taking care of me like uh sugar daddies oh like actual clients okay what what are you servicing uh my personality my um attention my time is that not sugar daddy sugar baby uh i don't know i thought sugar daddies you had to like do things with them like sexually again again this one's outside of my okay okay okay but uh the i don't know the correct terminology so people are paying you to hang out with them donating and saying it that way is kind of weird actually but can you move it a little further away from you sorry she's very excited i am okay uh yeah okay well how much do you make a month how much so very recently um that's been happening for like a week barely like it's not i just got fired okay well that's not consistent and first of all do you even do you like it does it feel right is this something you like if you if you like it can i believe consenting it's not something i want to like yeah i hear you i appreciate you it is something that i don't feel bad about i guess because it is very good about it do you like this it's not something that i'm like and what if people want to take it to that next level though because it's only been one week oh yeah yeah no it's super like it's not like oh uh i just met this new person no this is a person that my my people are like people that i've been dancing for for like a year so what they have you come over and you dance with them no no we just you know go on a date and i casually tell them like hey like this is my circumstances right now like but it's not an actual date it's an actual date no you meet them so that you get money from them i mean i sometimes don't get money from them like sometimes i just go on dates just to see like hey maybe one day i i will you know be with you forever who knows like i'm single you know i might actually i might actually pick up one of my suitors and like how old are these people they all range between like 25 to like 32 maybe wow i just don't picture people that young yeah doing this sorry again yeah really well this is actually very interesting to me because this is an industry i don't know yeah i feel like the type of personality i am gives very like i don't know what other word to use but like it's just a healing energy i guess i just always assumed rich old people yeah no actually none of my clients are rich are old all struggling together we are and they get it they're like yeah yeah like let me help her out a little bit as much as i can and like it's just the way it is you know it's just where where i am now yeah so it sounds like you're surviving everything being definitely surviving definitely by everything by everything being gifted to you for now your car was gifted to you yeah your apartment was gifted to you was you're an influencer and life coach i am who the f*** are you coaching dude i know right yeah so like everything i mean you're happy i'm sure you make other people feel happy which is good but like you don't seem responsible in the slightest like should you be coaching people is that responsible coaching is all about energy so when you've been through a great deal of energy and you can work with energy yeah that's totally probably way beyond your radar like no hate or anything no tea or anything you know it's just you talk about material things and like third dimensional stuff no i talk about things you can touch about reality okay yeah yeah talk about like real world like the planet we're living on and the things that happen in this planet like actual reality yeah yeah yeah it's just like i can't believe how many people there are like you out there it's okay if it makes you happy and stuff i'm not against that i just don't like when we use it as justifications to like not actually take care of our lives and have maturity and set ourselves up for success yeah and not act like there is there is plans you know there's you want to be in the entertainment industry so technically okay yeah i know i get it i hope that's i mean i could take it on that life road coach because the life road coach is very much so you know you said something important to me and you said something about not being responsible and may i say like i am a student of life coach so you want to go from stripper which is okay yeah you don't you no longer want to do that i love to talk about life coaching and you said something super cool you were like dude you you have like you struggle in like uh your responsibilities and you struggle in and things like that and it's so it's very obvious yeah uh why should you be coaching other it's not why should i coach it's i that's what i asked i definitely am already like this particular coach like i have to go through the hardships to be able to teach somebody what hardships have you been through i mean i've lived alone since i was 14 really what happened i've had some heavy had some heavy dark cycles why have you been living alone since 14 uh 14 years old my i just had a very toxic home and just had to leave at a very young age and started to just financially develop not even just financially like life itself was just something i started to learn very well and i realized like the small bracket i had for financial financial things were never an issue with me i've lived in san antonio my whole life no but like who'd you live with i was staying with my mom and my stepfather at the time and my 13 you said you had to move out oh i was living by myself yeah where uh san antonio apartment yeah okay funded by my my mother okay yeah okay so they put you up somewhere it wasn't like you left and you had nowhere to go it was that's different it was uh it was a rough situation for sure okay yeah all right well we have a credit report that we made you pull because you didn't know how to do things there's an eight thousand dollar usaa card well eight thousand limit but you're at $6 ,052 with a monthly payment of $168 oh my f*** what are you you've you've missed 1, 2, 3 4, 5 payments is that a credit card yes oh sh** okay cool yo that card's not mine it's not my credit card what do you mean i i don't make payments to that credit card what do you mean it's not yours i mean it's under my name and all but it's like it's under mine and my mother's name oh so yeah why are you on it it's one of those things why are you on it it's one of those things where it was helping her more than it helped me yeah why are you on it um did she come to you and be like yo come on this yeah i was just super young it was just like a super young thing i was still living with her so i don't know like a teenager just like a teenager so i've never even paid i've never even used that money like i've never even well i see it go back to 2021 unless it's only reporting four years uh don't know but yeah i just know that yeah i don't know i don't know that credit card actually i paid zero money to that credit card but that's not good this is you you know yeah like what it's also been closed it's not like i i don't have like the financial aid to take care of that it's been closed so she's not spending on it anymore but we're like missing payments yeah something she like knows that i'm upset about and stuff but like what's supposed to do like it's like you guys have a strained relationship clearly oh no me and her are very wobbly terms so a strained relation oh sorry i don't know what straining meant i thought that was like a good oh i thought you meant like a good relationship it's wobbly relationship for sure just to clarify so wow what are the conversations you guys have had around this card uh she you know promises payments and stuff and promises to stay on top of it and you know access to the login or anything what do you mean do you have access to the log in oh the login um i swear it's almost hard to hear you my apologies but um yeah no i i have login to the information i see that account all the time it's on my bank accounts like all of my other like uh checking and savings when i see that i mean i totally am aware of it i totally know that it's there and it exists like it's this it's there you know i plan on eventually taking care of it just i don't have the funds for it now so okay um okay and with your life coaching actually i guess i didn't get your income how much are we making right now life coaching is zero dollars that is straight school what yeah what is straight school what even is that life coaching is uh my clients that i have right now i'm not getting paid for them they're just they're just uh like uh oh what is it called how are you surviving oh because of sugar daddies for a week so far how much were you making from the position oh my god um so my position i got like maybe like a good 2k on a good night um how many how much a week on average every week's really different on average is what i asked i mean i kind of want to say like 2k is kind of where i go like if but you said 2k on a good night right so if i make 2k in one night then i only work one night why why not just go make more money that doesn't make sense why limit yourself to that uh i'm a busy person pursuing what you're doing nothing pursuing like three different schools and three different schools you're in school yeah the quantum coaching the life coaching that i was talking about yeah i'm in schools i do other things as hobbies on the side right now but okay yeah let me ask a frank question because i talked to you before this and this is your personality but now that we're sitting here and a lot of people are going to be confused i can't wait is this is this serious to you or is this a big f***ing joke?

25:39Because you're just sitting there, you're like life coaching and all this stuff. This is so f***ing serious. I hope that I can get a plan out of this. So that's just your personality? This is just my personality. I'm the type of person. So I'm the type of person that when you go when you go through things in life, you're not fazed by stuff like this. I'm aware. I have awareness of the severity of the situation. I just not going to sit here and stress too much about it. I'd rather just get a plan and then go from there. No, I know, but you acted like it was a joke that you're doing three different kinds of schooling or whatever it is it's not a joke it's phenomenal to me like i'm impressed i'm impressed the fact that i can school what is the school what is the school is it are they university are they certifications are they code what the are they certifications why don't you get a real certification through like in course careers or something my goodness yeah i don't know i feel like maybe you have to check it out so you know because those ones actually lead to income i'm like what you're doing we'll see so what are the different certifications you're getting um so there's like eight different certificates that i'm getting oh my life okay what i mean i don't i don't i don't have like the whole list of them right now but it's just like you're pursuing them how do you not know what you signed up for it's a little different height like one of them's um it's a nlp practitioner um it is okay what's that relationship what's nlp oh uh like gluant it's like a with your mind oh my gosh yeah about what about what about the mind where you work with the mind and you learn how to untrain bad habits and and you're retraining your subconscious clinical yeah yeah everything is super legit everything is super super um i don't know why i don't trust you what is it called like a certified everything's super certified through it all well it's a yeah it's a certification but what's it based in uh like i was trying to tell you like um the life there's life coaching there The main person that it's all under is called I think maybe what you're asking is Ashley Gordon Which is like the main headquarter Nobody knows what that means So I just need you to tell me What is it based in?

27:46What science is it based in? Or philosophy? What is it based in? It's quantum coaching That's what it's called That did not answer my question Good f*** Please please answer a question please answer a question yeah what is it based on is it what like is what form of psychology is it based on is it spiritual is it what is it okay well that's it's like spiritual stuff but that okay yes some people might be able to get some help but like you talked about it being coming from a place of science and yeah it's not it's spiritual okay that's just that could be dangerous to market okay that's just like because people like the actual help that real qualified people yeah would be needed in that situation and they could get their life could be harmed i mean going to people that are not i would rather reality i well first that's why it's like not qualified coach just yet right so have like a whole year of schooling but i will say that the type of clients i would be helping would be people that are needing that help you know i went my audience went into the audience that are like i'm done yeah i'm done that's so i i don't okay cool i don't care good good it's your jam cool cool it's not your jam cool uh well reality is my jam but either way cool everyone has different realities no okay like that's cool too but that's not true we all perspective sure there's different perspectives but we all live in the same reality we all live in the same economic system here in the united states you need to live in this you need to do certain things in order to be successful in our current economic perspective differs from your reality your reality differs from your perspective your reality looks different than mine so i would hope your reality is much different than my reality is all i'm saying i want that do you You mean more experience, not reality.

29:46I mean, the way you see your reality is different than mine. I tried to give you an out to make you seem logical. You didn't take it. Okay. Hmm. Okay. Potatoes! Your friendly neighborhood finance daddy has some exciting limited time St. Paddy's Day crack for ya, but only if you're not acting the maggot. Okay, so my Irish accent isn't great, so I'll stop that for the rest of this spot now. We always talk about how important retirement savings are here. But remember, it's not luck, it's basic math. And if you want to get there, you need to make sure your black stuff, also known as Guinness, fits in your 50-30-20.

30:23But if none of these are for you, that's okay. You can still kiss me. I have an emergency fund. Now, fuck off! Why have we not tried to get another dancing job if we like that? While wearing the proper southern materials that are necessary. That's exactly how I feel. Maybe. You know, maybe. and just because you're making nothing right now a doubt a week of sugar daddy longevity i'm not sure like i don't like that we call it sugar daddy if i'm being honest like well i don't see give me another word to use and i'll use it it genuinely feels like like help clients help that's what it feels like like clients yeah but you're servicing by going and hanging out with them not necessarily like they're genuinely like friends to me fine fine fine fine for real i mean okay fine okay donations okay fine that's how you're making money for a week that does not scream longevity so so other than getting 10 certifications have you considered applying to different clubs i guess um i mean yeah it's crossed my mind but i don't plan on doing it just yet i'm really hoping i don't have to do that entertainment anymore i'm really hoping well if you don't want to i don't want you to because that's obviously puts that's different yeah if you're working at mcdonald's you're like i just don't want to work at mcdonald's anymore because it's too hard i'm like girl but this is like this is like okay i'm gonna take an assumption here okay i assume you were naked on stage uh uh what is it called like a panty and bra okay well even still that is very revealing that is a much more sensitive thing and if that's something you do not feel comfortable with and do not want to do that is completely different than not wanting to work a service job so i'm just like so i support you not wanting to what is it then no i just think your perspective is adorable on dancers but no uh no i'm also trying to be innocent because everyone's sensitive it's it's just quite adorable to me and thank you for including my sensitivity no so yeah no it's like more it's more like empowering it's not very like i'm good right now and i'm uncomfortable with this no it's like i wish i can be bare naked all the time and people just like respect that so much that they give me money because like i'm just that like they're like damn i wish i can go to h-e-b but naked and they'd be like here's free food and i'm like yeah thank you i've done my service today thank you this feels right this feels right this feels very much not caleb reality and i'm glad you know what i mean this feels very much like my reality nudity i'm nothing against nudity i don't think you do 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 get more holiday fun and less holiday worry with lifelock save up to 40 your first year visit lifelock.com slash podcast terms apply i i am a naturally sexual person i hope i hope you don't that would be so that'd be the real problem we'd have a whole another show yeah no it's just like for me energy matters the way i've i focus on something answer my question oh you said you went down a tangent of boobies and i'm just like answer my question okay let's do it again why don't you want to do it again because you said it wasn't because of those sensitivities i just want to try something new so you want to try something new okay i just want to do something i'm concerned of your lack of income i'm not why i mean i know it's gonna come that's not how that works maybe for you it's not how it works for anyone i mean i don't just know it's gonna come i mean i'm making it yes for a week i mean since i was 14 years old okay yeah but are you making it because everything's just going to like you're not making you're not making i'm making it people people confuse debt being in debt as making it yeah i think there's uh some like you have a car and it's a honda accord yeah how many miles what year uh i don't know how many miles on that thing um I think it's a 2014.

34:45I think I'm going to have to have Noah come in here and explain something. Because, again, you did not know how to access a single financial document in the history of your life. Are these two separate things?

34:58This is in her grandfather's name. So he's paying. You're not. No, I'm paying it. You're paying to him? No, I'm paying to the CarMax. It's under his name. Are these separate? Are these two separate things? up here and down there uh same everything's all the same all the same so is this saying you borrowed eighteen thousand two hundred twenty dollars and what's remaining is five thousand eight hundred forty three you would understand it more than i but i do know that my remainder balance is that no this is so this is so out of context oh okay then yeah that's what it would be yeah yeah i what's the year and how many miles on the car yes um year i think it's a 2014 miles i don't know Can we just make up a number on miles?

35:40Does it really matter? Yes. Yeah, I don't know. It does. I really don't know. You owe$5 ,843.56 at an 8.45 % interest rate with a minimum monthly payment of$3.38. Have you ever missed a payment? Oh, God, no. Good. Yeah. Yeah, the stuff that's mine, I pay for. You smile enough for the both of us for the rest of my life. Yeah. You feel so stressed out, you know? I'm yeah I'm stressed this are you kidding me yeah this is insane I don't I don't know how to navigate this conversation like genuinely like yeah I want a plan I hope there's a plan I hope we get a plan out of it I hope so too but this is like it's like hard yeah legitimately hard I don't think people realize out there like how actually hard this is right now this isn't like it's numbers I was surprised when you were into the number thing too to be honest actually happening right now to me okay you can do it it's like a easter egg hunt twelve thousand dollar bed and couch your ex-boyfriend is currently paying off the couch he is hopefully it's already like being paid like hopefully is your is your name on it it is unfortunately yeah it's a yucky situation how much is owed in total for the bed the bed uh we put 1200 um no how much do you owe currently for the bed dude yeah it's like 1200 okay no you're paying 100 a month yes and we're just hoping the boyfriend's paying off the other we're hoping ex-boyfriend yeah haven't had any flags just yet any what like people telling me and hasn't been paid for did you guys end on good terms oh no we did yeah we're great friends yeah we're cool perfect okay yeah yeah that that makes this much easier yeah yeah no super great friends oh gosh oh thank you caleb thank you caleb for dealing with me and then you're also trying to model so you have a modeling so you did one of those like pre-signups where they take care of some stuff and now you owe them two thousand dollars dude yes that actually i hate that too yeah i that's my stuff yeah that's actually is eating my ass yeah you can yell at me no that's what they we can both be that's what they do with the club together on that one got me okay you didn't allow me to make my absolutely hilarious and inappropriate joke you know i don't really know modeling so i can't say if they're you like them but they no no no no you look great you look great i just don't know how to say if something's good or not i think this picture in particularly i'm like that's a good picture that's a good picture of just you in general yeah yeah yeah i like it it's a lot of fun but uh brandon are one of our editors he's the one that does photography so i really i don't know what counts as good as not or not that's so cool and i don't know how to make money off of this either so yeah it's kind of where i'm at i'm like i know i'm awesome so let's like make this awesome okay once you've entered the same okay is there a monthly payment or do you just owe two thousand dollars i just owe two thousand dollars okay how many pictures was this all the pictures um it was only that and you owe two thousand dollars for that yeah so it's like a whole platform they're like always sending my information out to agencies and stuff like it was gonna be one of those yeah oh my gosh what's golden age alchemy academy this is a runescape like this is like real life what are you doing alchemy what are you what are you yeah that's dangerous yeah i love what is oh no are you gonna like cast something on them no alchemy is just uh innocent word to uh heal yourself yourself healing you're just healing yourself that's all oh my gosh you're a lot of like you're you're healing their wallets with 9 440 9 444 dude it actually has been an amazing is that correct that's been an amazing investment is that correct 9 444 9 000 that's 4 4 4 okay so the fours and the nines yeah yeah yeah four i'm asking and you don't know how to answer questions okay yes my gosh i don't even know what to think of you i'm sure dude i'm sure you're like an actual like joy to be around outside of a conversation like this but this is this is hard man this is one of the hardest conversations i've ever had to go through on this show oh it's because you're just impossible somehow i don't know how to explain it i think that's that's cool how's that cool i thought you said you wanted to get help you came here you reached out to get help so how's that cool how's that cool you sorry no not not to the point to where i want you to be stressed out but for me like my innocent curiosity is like i wonder if there is anyone that can help me here like i i don't i hope it wouldn't is this a monthly payment is this a monthly payment or is that what you owe out right oh yeah that is actually that is actually my uh total amount Is there a monthly payment?

40:39Oh, a monthly payment for that is$700. Oh! Yeah. What are you? So, actually, I love that payment. I will spend$700 every month on that. Like, I would rather live in a box. Like, that is how f***ing... You'd rather live in a box? You're going to. You're going to. You make no money and you don't have a$7 payment to alchemy? You're gonna be in a box under a bridge. You're gonna live under the f***ing... south congress bridge with the bats oh poor caleb i don't need to stress you out me it's a stress you out this impacts an hour and a half of my time this impacts your entire life so me i don't matter in this the fact that you again it's just your personality so i'm not i'm assuming you're not just being a dismissive so but the fact that i did i'm i don't know i just i see this i see this is a pleasant person and this person's entire future is going to be because they just have a lack of maturity and understanding and this is it's it's it's it's like the way i handle the uh the way i handle it may be perceived as naive or unaware or childish but in reality i don't see much point of stressing about something that i'm aware of stress i don't want to accumulate more stress like i said i'd rather just i'm saying you have to be stressed but being acknowledging that something's bad in reality is i've known about this for a while Yes, but you're doing nothing about it and you're not taking it seriously.

42:06And it is not a joke. I know you're not laughing because of that. It's super serious. Okay, quantum coaching, quantum coaching. Going to the... This isn't Ant-Man quantumania. Like, what are we? Quantum coaching. Yeah. Where are we going? Yeah, it's not something for everyone for sure. Same with the alchemy thing. It's not for everyone. Yeah, but you're paying for all of this. Why not just see if it's a proven market that you can be successful in before... Yeah. Let me sign up for this. let me sign up for this let me sign up for what's the monthly on this fair yeah what's the monthly on this oh on the quantum coaching are you talking about the quantum coaching now are you talking about the quantum coaching now some of the people out there some of the people out there that are uh weird and don't know how to comprehend any basic reality are gonna think that i am raising my voice at you because you're a woman i am raising my voice at you because you You do not know how to answer a single question.

43:05I enjoy getting this anger out of you, actually. I don't know why. I actually enjoy seeing you like this. I'm not too sure why. I hope that doesn't offend you. Because it's not mine. I don't know why. I don't know why. I don't know why. What is the monthly payment, dude? Is it the quantum coaching? Oh, yes, it is. Good. $300. So a thousand hours for coaching so far. A month. A month. A month. then you make 2 000 hours a month is what you said you did college college wait what is all this stuff this is so much more yeah oh just please stop smiling just for me yeah just so i can think you're being just because i i regardless if it's your personality it's starting to piss me off it's more stuff stop i know what did you try to do what was vista college um i think that's the 1300 one yes what was it oh that's uh that's my um community colleges i got associate's degree from i got like fine in what fine arts and science just like really lame stuff oh it's lame about science it's just not my tea party it's just not my tea party i don't like it you smile after everything you say it's so unique and so i just generally don't like it i like to do more stuff that's a little bit more entertaining kind of like how you're talking to me right now it's certainly entertaining to me i like it maybe what that's why it's just a perspective that's why we've been successful so far but i will suffer every day for it yeah is there a minimum monthly payment for this no payment on that one at &t you owe them money i know i'm not paying them why you signed the bill why not be a mature adult you're 25 you're so funny no i am we're currently trying to dispute that right there what is it for so they basically called me into getting a cell phone that i didn't need to buy yeah like it's a show it is actually a show like they and they know conduit it's such a circus it sucks a circus i can explain so i go to an at &t store right let me explain i go to an at &t store i have my own phone and i want to purchase a phone line with them right i'm like hey can i pay this phone line with y 'all i need a phone line i have my own phone it's already paid i bought my own phone into the store i need a line to actually use the phone and activate it right so i go in there i activate it i buy the line they're like oh this is only going to be 40 bucks a month well the first payment comes around and they charge me for a whole new phone and the line that's where that 300 comes up and i'm like hey that's not even true that's not what happened they are aware that that is that they are doing that and it's currently where i currently sent out uh i think it's called a dispute currently sent some type of paperwork with who uh the agencies is it in collections probably yes like i i actually i actually did this yeah i hope i'm not paying that i hope i'm not what is the spring 2024 uh are we in spring We already talked about that.

46:13That's the$1 ,300, the science thing that I don't want to pursue. It's not my thing. Wait, wait, wait. Wait, wait, wait. Wait, but you owe it though, right? Sure, yeah. I don't think I have it down in my total debts. That's a debt that you owe though? Yeah, I technically do. I'm also trying to dispute that. The first one I wrote down is a$6 ,000 visa. So let me explain. Let me explain. So that payment, I usually get my school paid for it through a scholarship. But because my, yeah. long story short i usually get this bill paid for that 1300 that you're seeing there i usually get that paid for naturally through my scholarship but i selected classes for what are you in college right now uh it's a veteran benefit thing ex-veteran my mom's married to a veteran so i get benefits through him uh long story short i get my school paid for but what school are you in right now besides all the that one that you're particularly talking about it's called vista it's like a community college why don't you focus in on one thing and just try to make it successful instead of like i can't i like i like doing multiple things yeah and then you're never going to be successful in any of them because we'll see we'll see we'll see to be continued if only there is an example of three episodes a week on this show people i know i should come back you should follow the example that's why that's why this is more educational for the audience than it is you because my goodness if you know anyone like this please just send this to them like this like i'm sorry that sounded insulting but it's just like i mean i'm good i know it's it's it's more of a you're not an individual special little you super unique thing compared to everyone else and every single person that i've talked to that has had the same mindset of you has not been successful so far in trying all these very variety things we know that people that are most successful narrow in on the thing they're trying to do the best become as educated and skilled in that as they possibly can and then pursue it to their fullest ability okay i do that with like three different things

48:15all right it's gonna complain about this episode let me tell you and then you have a cash app account oh god cash app no i love cash app so much i'm so glad for its existence it's just so great i really do love cash app all right okay i do who the f*** is john who the f*** is john you give them money all the time oh are these these are the people that are paying you oh yeah oh great so that's why it's just a bunch of dude names yeah i was like one of them is jesus oh see i told you taken care of bro taken care of mad confirmation see big j gave you 50 i don't know how you how long you'll be able to survive on that man big jake 2153 in a usaa account mcdonald's yes yes dude raw stores it's more expensive than you said it's 759 a month hate numbers hate numbers spotify door dash door dash you're not making any money you don't have a job but there's more mcds it's needed sometimes it's just needed self-care oh my gosh

49:35for real though for real it's needed mcdonald's oh no not mcdonald's that's not eat it that's terrible you can say that's terrible doordash mcdonald's terrible bad mistake what was needed nothing that's wrong yeah i thought we were talking where am i i didn't realize we're still shut up for a second please like actually kill me mama margie sonic drive-in adian style uh h &m claire's so i'm getting some let me see your nails

50:08was that really worth a hundred dollars i don't know i don't pay for i don't pay for anything i never see it as me paying for it it's weird like that it's weird seeing it that way never i never pay for anything. It can't matter if you're checking account. I mean, yeah, it did. Money's just energy. It's not like a big thing to me. Oh, shut the f***. You're going to die in poverty. I mean, that's just what it feels like. You're going to die in poverty. I mean, I'm already rich. And that poverty will be, you are not even close to rich. It's not even close. You're going to die in poverty and you're just going to call you living under the bridge being energy.

50:35It's just a mindset. McDonald's, shut the f***. Shut the f***. McDonald's? Everything's a reflection. Oh my God. Apple bill, Apple bill. Jim, that's okay. That's good. you're gonna need it because that's the only place you'll be able to bathe in the future doordash netflix i think that's a cute statement i'm just saying come on it's a cute statement you don't actually believe that do you dude i don't know in reality well let's be real world for a second this is gonna be insulting people are gonna find it insulting but this whole conversation has been do it blast yourself you're making money from these dudes right now because you're attractive you're objectively attractive what happens when you age out of what people consider they like and then all of a sudden you're not making any money because you haven't pursued any career and you're just going into debt further and further and further and further and further and further and further then yes i do believe at that point that unless you have people to lean on like family or a significant other or something like that i think you are going to be financially which could land someone in an on-house situation it's happened plenty of times in this country so i do not hope that happens to you but just being real world of how you're getting just a little bit of money right now no i i think it could it is it's a possibility don't want it it's a possibility especially when you're door dashing mcdonald's instead of paying off debt great fantastic yeah it's hilarious it's because like man what was this what is this manifesting with ash you paid 305 that's my school that's my school that's my school I feel like you need some of these classes that I do People really don't like it When I end the conversation without making a budget But I don't want to continue this I feel like you can benefit off of it Shut the shut I really do Shut But for them I am considering I'm still going through this Life insurance You're paying life insurance Who's dependent on you Why do you need life insurance Life insurance is not a bad thing But I don't get why you're paying it to it uh i have nieces and nephews you know just want to make sure that do they have parents yes they do but and are they do they have life insurance it's complicated no they don't so it's complicated all right whatever yeah adrian style liquor whataburger great i need to do more of that the peg let question mark s be honest i don't know what this is but it's just you're just spending money on when there's debt to pay off you don't have a job you don't have a career path you don't even know what you want to do because you're pursuing like 50 ,000 different things you can't we don't know how much this money is coming in because we don't we really don't so how can i make you a budget if i don't know how much is coming i would really love to have you pay your own rent yeah how much is it 1400 oh my no wonder you're in debt 1400 rent and your minimum monthly payments just on the schools alone are a thousand dollars but you said you only bring in 2 ,000 hours a month with this thing before no it was a week yeah oh oh thank goodness okay i was so i have like my number i'm like very like like maybe not in this paperwork i don't look very good you don't have any savings you don't have anything invested so no it's bad i don't have anything like banking wise savings like anything like real savings like a real like what do those savings exist i don't know what they're called like stocks and stuff like i would like you have those yeah i want to like get into no no do you have those oh no no i don't that's what i want to get into though like i need a person that's like when you're ready i'll get you like connected with different things i know that that's gonna happen stocks and muumuu it's fun but you are not even close you are not even close to that we'll see yeah but you're not yeah yeah y 'all this is the time to switch to my favorite high yield savings account with sofi you can get 4.6 on your money i hate when my money is just losing value so make sure you're keeping up with inflation at the very least you can also get fdic insurance on that money up to two million dollars with them.

54:32Plus, they'll give you money up to$300 when you set up an account with them. There's even extra perks like being able to get paid a couple days early. SoFi is what I use when I'm setting money aside and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. I'm not even going to go over your spending because who knows, it's probably not even accurate. Yeah, I want like a plan. Hopefully I can have some type of plan. I don't know how to, like a goal shut i don't know how to make a plan for you i'm sorry i'm being rude i'm this i've i'm i'm losing it i thought you were the number guy that's i thought you were i thought yeah but you don't have numbers to give me because you're not bringing in money so how do i create a plan without that baseline what if we distract money and just like worry about a plan like a goal number that i could hit like you know what i mean like every month have like this is the goal number okay so what you need to get okay fine yeah yeah yeah i got you thank you that would help me a lot okay that would really help me a lot well if that's what you would walk away with as help uh give me give me your rent again one more time so i have like 1400 in rent uh water and electric and gas so this is like 70 internet uh 50 50 bucks rent this insurance like 100 bucks no that's with my car has my car tacked to that and insurance with my car plus it's actually not bad yeah how much in gas on a monthly basis do you even know probably not like 60 bucks 30 bucks to fill up the tank do that twice you don't know is that how often you fill up your tank twice yeah most of my stuff's from home i have 134 dollars from this last month oh nice that's you said 60 60 i think that's good i think 130 bucks is a really good like i i think that's not that 130 yeah i don't think that's very bad at all i don't think that's very bad at all i don't i do not i don't know what to think i think like 500 would be way different then i'd be like yeah i was way off but 100 bucks 50 bucks whatever that's not a big difference i've never met anyone like you no here i am you're delusional i'm you have to play a little bit of it actually yeah i take a little pride into just being a little bit um delusional with my success just a little bit yeah with your success you don't have any success success comes in that's perspective perspective of what success is success to me success that you've had success for me is simply just being myself and things naturally being magnet to me not really worrying about the like how just knowing that that's going to come your way so that's success to me that's a perspective it's your reality reality is all that matters 300 hours perspective of reality 300 hours a month for food perspective is real 100 a month for total paper fun this is anything else you need to survive this can be makeup this can be anything it's 100 bucks that's what you got anything like extra to my life like groceries too i said 300 hours for groceries okay yeah that's pretty good it's pretty good now i'm creating this for you and then what you're gonna do is you're gonna go through our actual budgeting program thank god i don't i don't i you so it's the last thing you need is more schooling i no offense but you seem to think that 130 was somehow smaller than 60 so i don't know how you're going to go through our budgeting program and actually take our quizzes and answer them but you say smaller yeah the way you were talking about it that's the wrong assumption just thought they were close it was over double well that's why i was like if it was 500 then that'd be a ridiculous distance okay well you're gonna go through the budgeting program you'll make your official budget you'll follow it you can use us for help it's changed thousands in people's lives i don't know how you're gonna get through it to be completely honest and i sound like a dick for saying that but i believe in myself and enough for the fantastic do you have any medical health care that is ongoing on a monthly basis uh no no i don't what was that gym membership how much does it cost i think it's like 30 bucks that's like a really good membership you should it's like to where you can have memberships to all of them like what you're about to say instead like if you're in what you're about to say i should try call me fat i know i'm with it no shut up shut up no but like for real that membership's really cool because like you can go to all of them not just like one specific like gold yeah welcome to a gym yeah yeah it's cool i like you can go to all of them all different gyms like what's your phone what's your phone bill um it's 70 bucks you need to switch to helium and get that for 20 a month.

59:09I'll get you set up with that after the show. Dude, let me know. I need all the help I can get. Yes, you do. I need Caleb. Caleb. It's getting weird. It is not that kind of show. Your debt minimum monthly payments $1 ,665.70

59:35Anything else you need? i'll go over it again for you debt payments your minimum monthly debt payments your rent is 400 your gas water electricity is all 70 internet's 50 rent is insurance and car insurance is a hundred dollars your phone is 70 we're gonna get that down to 20 but it's 70 now 130 for gas 300 for groceries 100 for your tp fund this is everything else you need to survive and make up okay 30 for gym anything else no it's a lot it's a lot of stuff it is okay

1:00:10right why do you have multiple phones do i well there's the at &t thing oh i think he yeah you're just and then cricket yeah yeah cricket's mine cricket's mine but then also russell cellular i don't know what that is i have no idea what that is it's a phone it says phone service is it cellular what the yeah i don't know what that is i don't okay when you go when you go through the budgeting program i need you to go through every single expense that comes out and you need to put it in places and cancel things that you don't need dude yes including subscriptions that i saw that you do not oh my god thank god let's get your minimum to survive which is basically what you asked for and then i want to leave okay minimum to survive two thousand eight hundred $1 ,215.70.

1:01:03Nice. That's what you need to bring in. That's nice. That's a good number. Pretty solid. Yeah. Or$33 ,700 a year, essentially. Ooh. That's too much to think about. That is... I can think about that, though. Yeah, 25. That's a good number. That's how old I am. If that's how you operate, fine. Yeah. You need to bring that in. Yes, it can happen. Through what, though? through what what's your gonna be your instant income other than donations from then right now um you know collaborate it's just so when you say it like that by the way but i'll just for the sake of for the sake of time that's the weird thing out of all of this that's the weird that is the weirdest thing out of all of this because it doesn't feel like that for me like it doesn't feel like that but i'm mostly just memeing on you but yeah i just feel like there's genuine people that have grown a relationship with me that want to see me yeah they want they're like i want to take i'm not there i don't want to be there so i don't know yeah yeah yeah respect okay other than that how are you bringing in the money yeah i mean i'm feeling pretty comfortable as far as being able to find new work and in different uh well that's not the answer that's not unanswered yeah i'm feeling confident in that though i'm really i really am i'm feeling really confident yeah i am i'm not yeah i am i'm feeling confident i've survived since i was 14 i think i can i think i can keep kicking a little bit longer yeah your survival is based on death though like you're just going further and further than your debt and taking up more and more education eventually it catches up right now your survival is kicking the can down the road eventually the can becomes a massive boulder and lands on your head there's there's mad there's mad faith to to investment there's mad faith into finishing this like i really do think one day that i'll be able to convey money to get this through like i'm i may take a long time may take 10 years or so but it will get done like i'm not but every you know year that you're not investing you're losing super valuable time for that money to compound in the market i agree so that you your actions are not in your statement before that are not indicating that you agree you just said if it takes 10 years that's okay but then you miss the best decade and half of your life for compound growth so i don't really get it yeah i agree that's like i actually yeah i completely then why aren't you going and working right now in an industry you know that you're okay with and you are happy to do i understand wanting to try different things but work i feel like well you're trying to do other things especially since you said you could do it once a week i mean come on no i feel like i am i feel like i am yeah i've been like really working hard and getting little gigs here and there and really really doing my thing like i really do feel like i am yeah so you can coach you think you can coach for money i know i can okay prove it coach me okay coach me what would you like what would you like to work on today uh i don't know what do you think is my like biggest flaw that i would need for coaching i mean i get angry easily you want to work on your anger well i don't know i don't really how does that make you feel why again i don't really care well so would you uh anxiety i have anxiety issues anxiety that's beautiful thank you for that no it sucks but go ahead well thank you for sharing that i agree you know i respect the fact that it sucks what would be your specific that's what i just paid for what would be coaching i just paid for what would be your specific goal out of this what would be what would it exactly look like overcome my anxiety overcome my panic disorder so i could live life to the fullest okay yeah let's go there what would that look like for you do you have a picture in your head what that looks like not having a panic disorder yeah what is it what does it look like where are you at being able to do the things that are uh being prevented in my life by that fear of having a panic attack in a place that i can't escape do you have like an actual picture of that in your brain though sure flying anywhere and everywhere flying no issues in an airplane yeah i think that's one of my can you tap into that for me i don't know what that means can you be there in the airplane right now can you feel sure yes can you feel yourself sitting in the airplane i do can you feel the rush of being in an airplane yeah can you feel the height of being off the floor and in the air yeah that doesn't bother me does it feel invincible can you feel electrifying do you feel happy uh nervous nervous is it excitement no nervous that i'm stuck somewhere do you want to get out of this area i'm fear i'm afraid that i won't be able to if an anxiety attack happens do you like this area are you calm here no i just said i'm nervous you're quite nervous here go somewhere else clean the slate go somewhere where i can't i'm on a plane clean the slate go somewhere where you feel no anxiety go somewhere where you feel no anxiety that's what a panic disorder is that's what do you not understand that's why i think in order for you to have these conversations with people you need to be clinically certified because that right there was as dangerous because what people like me are trying to work on with our panic disorder is we run from those things like being on a plane to get to our comfort zone our safe space and that is our major thing that's holding me back and you just told me to go do that and that's probably dangerous and i'm i bet a lot of clinical psychologists who focus on panic disorder would also agree that that's dangerous so i don't think anyone should pay for you to do that you could have just harmed me if i continued to listen to that that was a joke that was embarrassing i'm embarrassed for you i'm pissed off this was a waste of a hour sure i'm sure people will find it entertaining great i don't give a this is done i'm pissed your hammer financial score is zero out of ten i don't want you to say another word make sure you check out all the resources linked in the description below they are what i use or would use in specific situations including the best budgeting program in the history of the internet that she has no chance of getting through Thanks to all of our Patreon producers for making this episode possible.

1:07:01If you want to participate in an episode of Financial Audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.