Wannabe OF Model Made $0.52 Last Month | Financial Audit

- To watch episodes of financial audit a week earlier, check us out on YouTube. Why did you get into being a (beep) - I'm a little overqualified for soap and jobs. - How were you overqualified? - Yeah, I was a leasing agent. - Oh, okay? - And so I don't wanna go work at McDonald's now. - What? - I'm too cute to be doing stuff like that. - And he bouts $1.25 cents. How the (beep) you surviving right now? - Nice gentleman on the internet. - Your (beep) - It's just a little jumbled up. - What have you done? - I just like, you know, get overwhelmed and then like slam my head into walls. - You slam your head into walls? - Yeah. - You bash your head into walls? - Yeah. (upbeat music) - Dollar wise is finally here. Sending waves to the personal finance world. This is officially now the best bushing app on the market. And I'm giving you a special deal to download. Get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months for the annual plan at an insane discount. And most people sign up for the annual version 'cause this saves a lot of money and you get my detailed 30-day meal plan signed by me, mailed directly to you plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollar wise and start your free trial. Go to dollarwise.com or click the link below. I want you to be on the next episode of Financial Outlet right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food and we'll have a great time hanging out. Go to katelapamber.com/apply or click that link in the description below. - Hi, my name is Vanessa. I'm from West Texas and I'm 24 and this is Financial Outlet. - Yes, it is. You work in oil 'cause that is the only thing out in West Texas, I'll be honest. And it's really good money, but it's just like, I mean, if you've seen land man in it, it's pretty much all it is. Or you're servicing people that work in oil. What do you do out there for a living? - You don't look like you came from the field. - I do content creation and-- - Well, the accent is there. - Okay, business. - Okay, content creation. - Yeah. - Well, we all say the tits. - Yep. - Yeah. - Our large and they are bouncing. - Yeah, absolutely. - Should I guess the kind of content creation 'cause I actually don't know, but like unfortunately it probably only leads to one area. - Yes it does, okay. Yeah, well, there it is, okay. - If you got it for on it. - I mean, no, I mean, don't give me a wrong. I mean, I got some tits, but if I had a bigger pair of tits and I was an attractive woman, yeah, I mean, listen, I think it is a little demoralizing. Maybe it's not the best for our culture. But I mean, okay, it is easy money. Of course I understand why so many people are drawn to it. What is it like? 20% of Gen Z women that are 18 or older have it. - It's actually insane. - So it's like later in life when your kids are like, oh. - That accent is crazy. - What are you? - Okay, so is that your full time? Well, you said something else, right? - I do business on the side. - You do business. - Yes. - Ah, I love doing business. I do business too. - Like Facebook, Marketplace and stuff. - Okay, okay. Okay, so this content creation, let's talk income there. I'm assuming it is the OF because. - And it's a TikTok like going live on TikTok. - Oh, the rest of it is like content. Okay, outside of it. - Wow, okay, something potentially creative. What are you doing on TikTok? - I'm sewing on TikTok. - What? - That converts to the titty booby. - You would watch any pretty girl with big titties out. - No. - Doing something. - Actually, I just watched documentaries about current global conflicts. - You don't, you don't ever just like scroll. - No, that's when I watch, come in five seconds. - In five seconds? - Well, you know, I got to get back to the documentaries. Important shit's going on in this world. - I don't think everyone's simple enough to just fall into the Gune Bay constantly. - You would think? - Well, I think enough are for people to like you to make money, which is just kind of crazy. But I guess your TikTok people are haters? I'm being told. - Yes. - What does that mean? - I'm just constantly being banned, no matter what. - Oh, TikTok is haters. - Yeah. - Well, maybe, okay, show me your content. - It's just like. - Show me your content, the TikTok version, by the way. - It's just thirst traps. - Well, there you go. - That's probably where you're getting banned. It's probably right there on the edge. We'll learn the name 'cause we don't have a lot of plugs. - No plugs. - But no, but no, but no, but no. - But I'll show some of the videos. - TikTok live and I'm doing-- - Show me. Show me like a previous. - Okay, a previous one. - We got one. - Did you like water this or are you sweating? - No, it's just sparkly. - Huh? - It's just sparkly. - Oh, it's sparkle? Gip, okay, are we surprised? Let's make sure, okay, send this to Lindsay afterwards. - She's lit it. (laughing) - So in because I'm a hashtag young hoe, are we surprised you're getting banned? - Yeah, 'cause I've seen 10 times-- - Okay, 758 followers, this isn't making a living. You're like the (beep) pink care twitch streamer that came on. She's like, "Oh, my soul's with me." It's like, this isn't gonna make it fall. - That's 700 people within like two months. - Is that good? - Yeah. - I don't necessarily think so. This content's kind of not-- - Some of them are just like posts from the lives. - But it's just like-- - It's my time with the dojo. - Ay, my daddy, I'm not sure. - What the (beep) is unique here? - Me. - 'Cause you might gonna see if you have a pair of boobs, literally the effort you have to put into things to make money is practically nothing. - There's the story. - My previous account that I had 15,000 on there. - Okay, that one was completely banned. - When was that banned? - Wanna say like three months ago? - Okay, why was it banned? What was the official thing? - It was a TikTok life. - What did you do? - I was just bouncing. - And how much of this showed? - A little bit spillage came out, a little bit-- - There was a tent? - There was a nipple. - Okay, well that's banable, that's fan. - It was an accident though. - It was an accident, it was still happened. When I did my streaming for a couple of months, Sydney, Sydney Swini's tits accidentally popped up on my Twitter and I was banned. Oopsie, it happens. That wasn't even my thing. I was just scrolling. - I think that we just moved past it and then I made another one and we just grow it from there. - Well, and it's like 400 followers. Okay, how much are we making? I need an income here. - Really the income is just from random men online. Like randomly, like oh, so on. - I was asking for a number. - There is no specific number. - Okay, lots of f***ing effort. How long have you been doing it? You're 24, did you do like the f***ing 18 year ago? - No, so I did, I started it like about a year ago and then I got in with like a whole management company, Abella Danger. - What were you doing before a year ago? Why'd you get into being on f***ing? - I was a housekeeper and I had nothing else to do and I lived and worked on property. So then I was like, I'll just, what am I going to do? - And what else happened on property? - A lot of, I was drunk a lot. - But. - Huh? - Yeah, just working and drinking. - I was assuming the dad that lived there f***ed you. - Mm-hmm. - Okay, but I was expecting-- - But I was making content when I worked there and I went ham on it within like the first couple months. - No, no, no, I'm being told you were sleeping with a staff in a resident. - Yeah, that was a different one. That was a different apartment complex. - Wait, wait, wait. - I've worked at two apartment complexes. - Well, this is an apartment complex. So why did I think you were like in-home staff for like a wealthy person? - Wait, wait. - Well, okay, you were just working at a apartment complex. - Yeah. - In cleaning? What do you mean, like just knocking the floors? - Well, like when people move out. - Oh, that's enough for a full-time position on-- - Yeah. - Oh, okay, and you were just-- - So that's when I-- - And then yeah. - How much does this have staff? - Just one of them. - That's not that crazy. And people that work in restaurants, they sleep together. Okay, I'm not freaking out about that. I thought you were like, you were someone's maid. - No, no. I slept with the resident. - No, it was like a little riskier. - It was like a company. And so I'm just like the housekeeper for the company. - And the resident just like hit on you and you were there? - Yeah. - I mean, I don't really care them. I mean, that's a little different. I thought you were like sleeping with someone you were personally with. And I can send things to adults, I don't really give them. But, I don't know, did that get you in trouble? - Yeah. - So why did you get into being a whore? - Because-- - Not that you weren't before. - I wasn't before actually, wasn't at all. I was, I did like taught special needs kids for a while. That was like my favorite job. But then, I just decided one day, I'm just gonna make, just see if I can make money. - Why? - Just 'cause, why not? - Okay, but the thing is-- - 'Cause I was-- - I mean, not making enough now to make it for the rest of your life. - Well, in the moment when I started it, it was just kind of like for shits and giggles money. - But that can still give you the rest of your life, that digital footprint forever. - Oh yeah. - I'm sure they're online. I'm sure I could find leaks right now. - Oh, 100%. And it's just, it's there, it's there forever. - Yeah, and do you think they're gonna want you in the school again? - No. - That was your favorite job. Why destroy that? 'Cause I mean what, especially-- - 'Cause I wouldn't do it again. - Especially those things, they're gonna get saggy real quick. I mean, you're not gonna be able to do this for that much longer. - Yeah, no, I know, I know that. And that's why-- - So you've destroyed your life already? All for what? Not for millions, if you're a Sophie Rain level, making that kind of money yet, you'd be surviving for the rest of your life. That's fine. But at this point, what's the point? You're destroying your life. Oh, you destroyed your life. - It's destroying my life. Everybody in their home. - You haven't had the consequences. - Everybody in their home has made it only. - No, no, among people around your age, yes, a higher percent than ever before is doing. But even still, I mean, if you were making enough over the last year to have leaks, Then that shit's gonna be there. If someone just starts, puts a tip pick online and then no one really sees, that's not gonna follow them that much. It sounds like you're in a place where this is gonna follow you forever now. - Yeah. - And I'm assuming not making it enough. - Yeah, no. - Exactly or else you wouldn't be on the show for it to make a difference in the future and actually be able to sustain you post OF. - Yeah. - So again, okay fine. What was your highest income earning month from OF? - So I actually got into a contract with Abeladanger's manager. - I don't know what that is. - Abeladanger, you know who that is. - No. - That's a **** story. - Okay, I actually don't know anyone by the, I know Sophie Rainn 'cause her manager, well, no, no, I knew her, but she said she wanted to come on the show and then I guess she never did. - And then, so I got contracted with them within a first. - Oh, Bonnie Blue because she like probably has AIDS. - Yeah, probably. - Okay, keep going. - I made five grand within a month and a half, just on only. - And then. - Five grand, we're (beep) destroying our life for five grand one time. - Yeah. - When I asked for your height, you're giving me five grand? - Yeah. - How the **** are you surviving right now? - Because there's nice gentleman. - Not because I said how? - Oh, are you being a sugar baby? Okay, is this not so degrading and pathetic? Have sex, sex is fun. We all do it. - But, I mean, if we start doing it for money. - Then what? - It's just like at that point. I mean, it's just more degrading. - To who? - I guess to me. It just seems, I mean, like being a hoarder again. I think I might have fun, but. - Exactly. - Okay, okay, okay, okay. - Okay, give me examples of what's going on now. - So just like on, I'll sometimes scam men out of money. scam. I thought we were sugar-beauty. No, no, no, no, no. Tell me they're scam. They're so many different. Tell me. Tell me. We'll give you an example. That's crazy. It's like a hundred bucks and I'll FaceTime you and so then they send me a hundred bucks. And I just block them. Where do they find you? Snapchat. TikTok. What? Oh, okay, it takes acting. How do they find your own Snapchat? Because if you post on your public story, so like my IP address is banned, like Snapchat, I can't have another one at all. Why? Because I got banned so many times. Why? They're posting for a vocative pictures. Was the provocative pictures or were they nude? They weren't nude. None of them were ever nude. No tit. No tit. No sign of flappage. Mm-hmm. Okay, that's a bit weird. Okay, so they find you and you're like, in order to FaceTime me, send me a hundred dollars and then you block them. Well, they usually swipe up and they say, you selling? What is what a man doing? How are we? How? What the- there's so much for- Exactly. That's what sex is not difficult. Why are we doing? Why are people asking for images? A woman they don't know. Yeah. How is seeing her? And that's exactly why I scam 'em because it's like, why are you buying pussy off Snapchat? Okay, I mean, you're the one sounding. Yeah. Come on. How are you to judge? Okay, sex. Okay. Okay. Okay. Okay. So, um, All right. And then the people you're not scamming because you're not going to make a hundred dollars. Yeah, just like sending videos. You send videos. Yeah. What kind of videos? When you like to know whether boy, where are your parents? Um, I have send- How many people you got? Well, it's just like, it's different platforms. It's different things. But- But men, but men scammed me in the beginning too. I don't care. You deserve it. Now. Thank you. How did you get scammed? Well, there would be times where they'd be like, send the video and then I'll send you the money. No, no. Obviously, you can't do that. That's as you'd be in a- No, 100%. That was just me falling into that, but at the end of the day, I was like, you know, I'm just going to scam. Yeah. And scammer gets scammed. Okay. Well, that doesn't make sense. Don't be someone who's a piece of shit. Don't be a piece of shit. So do you have sugar daddies right now? I have a sugar daddy. Hey, okay. So what happens there? We just meet up and he gives me 500 bucks. And you have sex. Is he incredibly ugly? No, he's just kind of older. Why don't you just have sex with him, then? Because I can get $500 out of it. Hold is he? I like 50 something. Are you getting tested? Yeah. Are you letting this man go? Huh? You're letting him go unwrapped? Uh-huh. Oh, good. Okay. My goodness. I was going to say, I don't- No. Okay. You're reading to have sex for $500 is a- No, we're having a mutual spoiling. What? Okay. It's not frequently. Do we do this? Like maybe twice a month. How'd you meet him on just. Yeah, come. Oh, that's an actual website that is so just clear is day. What it's for. That's crazy. Yeah. Okay. So it's basically a- I'm sorry. Got it. I guess when I get old. If I'm that desperate, jeez. Let me see what this guy looks like. I'm not going to put it on camera. I don't even have a picture. What the- You know his name. You can look him up online. I- I know his sugar daddy name. Oh my goodness. Is he married? Is he married? I don't know. No way you don't know. You haven't picked it. You haven't chatted it all about anything. I know he has a kid. He's married. Well, that's on him. Yeah, I know it is on him. It is on him for what it's worth. Okay. Show me this sugar daddy thing. Show me this sugar daddy website. Let me see. Let's see your profile. So, but $500 a month. That's a thousand hours a month again. Math isn't adding up. And I know you're not at your peak of. So how much are you making a month? What did you make last month? Enough to get by, which is probably just like maybe like two grand. What the fuck with the other two grand come from? Or the other one grand come from from your thousand? Well then there's just the random guys that. And then sometimes they'll just be like, hey, do you need anything? And I'm like, yeah, a hundred bucks and they just send it to me. Through what platforms? TikTok. They just find me and then they're like, if you need anything, just let me know. They message you on TikTok. What the fuck is happening? Our society is collapsing. This is insane. Oh, we are going to be like the next South Korea. We are so done. This is crazy. So what's your future? Because 2000 gets us nowhere. You're 24 a year. I don't even know how you're living. I got to learn more about that. Yeah, let's see. Okay, here's the sugar daddy website. I'm going to port it. Yeah, there are attractive pictures. I guess it's this. Is this an app? No, it's just a website, but I just added it to my home screen like an app. That's crazy. Okay, let's see what's going on here. You have no active conversations. No, because they all like they all disappeared. I had quite a bit. They're all so old. They're all so old. Let's see who's some of them are decrepit. Yeah, but you match with them. Yeah, he's just in money. I spoiled. See? Everybody's looking for a mutual spoil. Dude's talk for it's worth a doctoral net worth one to ten. What's happening here? This is crazy. What is going on here? Well, it's like I need a date in West Texas. This is wild, man. This is crazy. Cher, are you saying this is wild? Okay, so you have this guy's albums. Okay, so they give you acts to their album. And then you can see their picture. Oh my gosh. I mean, we're all going to turn into the Sunday. Okay, so this is you. Let's see. The one place on earth I want to be. And then you didn't finish the symptoms. Nothing. I just chat. Gbt everything. I guess you really don't have to do anything because you're the woman. And paper most of it is be a model. You're a model. No, you just started on a model. I get it happy if I could finally pay my debt. Well, use your sugar money and then actually pay your debt instead of doing whatever. Oh, despite all the complaints my exes could all agree that I'm crazy. Yeah, you're crazy. Yeah. Well, that's not good. Yeah. How are you crazy? Just, it's just a little, what have you done? What have you done? Nothing, nothing bad. I just like, you know, get overwhelmed and then like slam my head into walls. So that's it. You slam your head into walls. Yeah. You bash your head into walls. Yeah. How frequently are you bashing your head into walls? I haven't done it in like a couple months. What the fuck? What the fuck is this? What? Like, mm-hmm. So if like I was in an argument with me in my ex and it was like a screaming battle and it was really bad. What were you guys fighting about? Of breathing at that point. Okay. So this is a recent ex. Oh, you broke up with your fiancee? Yes. So I quit doing first time because. Oh, you've done it multiple times for me. Okay. I got engaged to him and. and it was a really toxic, bad relationship. I was basically locked in the bedroom. I wasn't allowed to leave the room 'cause he thought I was gonna, the roommate. - What the, why would he think that? - Just 'cause he was insecure. - Good, Jeff. Okay, let's see what's going on, talk here. We'll probably go through more in the post show. Active now, what's this guy doing? Okay, let's see how to, this dude's like what, you're following these weird people. What the fuck is happening here? Must be a whole different person or a scammer, huh? They'll spend, I want some money. Okay, so you're actively asking for money. This is crazy, man. Are you doing it on, okay. So you don't have the hinge downloaded? - No, it's on my other phone. - Oh, we have a whore phone. - Yeah. - Okay, so we have your whore phone. - I don't even have it on me. - Well, you put the guy last night that your ex forbade you from being with. - Yeah. - Why? Or like, what happened there? - Oh, he's just hung out. - He's just, he's just a cool dude. He's just a cool dude and we were just hanging out. - And you're saying it off? - It's my guns. - Dude, you did that as revenge for your ex. - Well, I, I, I, yeah, basically. - And did he pay you? - No. - Well, that's good. - I'm gonna be real with you. Your dad is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever, your interest rates are different. 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Hundreds and millions of dollars to private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise. Built by these people just like you. Four people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download and I'll start the free trial. Theallerwise.com, link in the description below. - Okay, I'll see what you're sending on here. This is crazy. So what's your rent right now? How are we doing this? - I don't have rent. I live with my parents. - Okay, that makes more sense. So what are you trying to do in the future? - Okay, so just where you're taking it out. - A lot, July 17th, that was a few days ago. Okay, so what are you? - You're getting real click happy over there. I'm scared. I mean, yeah, those are your tips, but that is only. Okay, I mean, they're large, but these aren't people even asking for anything. You're just sending. I'm so confused. - Is that only? - Well, yeah, I'm looking for the messages. - I haven't created any content in probably like a month from. - You shouldn't, you should stop. You should do something with your life. I don't even know. - And that's like, that's what I wanted to do. Like I haven't wanted to continue to do anymore 'cause it's a lot of work. - So what were you fighting about that means you bang your head into the wall though? - I really don't remember. We were just getting to like screaming matches and I just like couldn't take it. And so I just. - You're insane. - Yeah, yeah. - So what's the future? You want to get out of the house. No shit, that's pretty basic. - Yeah. - But how are you doing that? What's the plan? - Well, the most recent plan is I, it's $1,300 to get your real estate license. - Oh my, what is it with every one of the parents that thinks they're gonna do? You live in West Texas. Go on. - Because I was a leasing agent and I loved it. I loved being a leasing agent, that was so fun. And it's like real estate, there's more money. - You're not gonna be successful in that. - Why? - Because I can 80% aren't. - And I'm sorry, I don't, it's just like, - But you didn't say why? - You bang your heads and walls, you were a leasing agent. - And? - You just do, I don't see this life skill. What entrepreneurial thing have you ever done that'll get you to, and that is indicated that you will somehow be good at real estate? - The leasing job, that's gonna show 100%. I leased over apartments signed. - I want to be real estate. - Within 90 days. - Less than 90 days. - Are you applying to jobs in the meantime, please? - Yes. - Sixth. Anything lining up? - I've got an interview on Thursday. - Good for what? - A leasing agent job. - Oh, thank you. - Well, were you fired from your previous ones? - No, I got over from the last one that I just worked up. - What? - I quit before my 90 days was up, and so they didn't pay me my commission. - I quit before 90 days. Why? - The apartment complex, it just corporate didn't like me. You see, if you could even stick out for 90 days, like most people don't make money in the first year of being a real estate agent. - Yeah, no. - That can't be your plan, but you're doing some door to door sales a month ago. Oh, you lasted one week, great, what were you selling? - Windows. - Okay, you aren't gonna be successful in a real estate. You need to work for someone. You need to work for someone at a desk, doing something. You can't do sales. You are not someone that can do that. - Why? - Look at you. - Less than 90 days, at that previous position, you can't even stick out. - Less than 90 days, but I still least 35 apartments. - And then you lasted only a week. - You lasted a week at the sales job door to door. - Yeah, 'cause I'm too small, I'm too cute. - Oh, shut up. - I'm gonna read. - Oh, shut up. You'll be kidnapable in real estate as well, then. - Yeah, but at least I'm not going door to door. I'm not invading people's spaces. - No, you're meeting up with random people who say they want to buy a house or sell a house. Good luck, okay. - Okay, so this is not a real plan, but okay, maybe you'll be this real estate person. Anything else going on? - I do sewing and stuff on the side. - You do sewing, okay, what's that? - I just sew bags and I repurpose and recycle and reuse. So I'll go to their stores and get wrangler pants. - Is this an actual business? - Yeah, people are actively ordering and buying from me. - Okay, tell me about the business. - First into the tank is a whore who thinks she could make bags, but can't even spell what's on it correctly. - Hi, Sharks. My name is Vanessa and I'm from West Texas. I am here seeking $5,000 for 5% of my company. Every person needs a bag, whether it's for travel, for daily use, in an age of mass production, more and more people want customized pieces that reflect who they are and where they go. Growing up taught me that you don't throw things away just because they're worn out. You figure out how to give them another life. That's become the foundation of my business. I started teaching myself to sew over six years ago and what began as a hobby turned into an obsession. Today I create custom bags and accessories by repurposing clothing, work wear, vintage textiles and other materials that would normally end up in a landfill. Every piece is handmade and one of a kind. I don't want to stop at custom orders. I want to build a recognizable brand where every product has a story, whether it's turning an old car heart jacket into a backpack, making a cable bag for musicians, creating organizers or repairing someone's favorite piece of clothing instead of replacing it. I also document the entire creative process. Customers can watch their item being made from start to finish. That content builds trust, grows with the brand and the creator, an additional source of income through social media. Eventually I want to offer nationwide mail-in repairs so people can restore the clothing, and the bags they already love instead of replacing them. Why I'm seeking investment? My biggest challenge isn't making the products it's growing the business. An investment would allow me to improve my workspace, purchase equipment, and materials, build a professional website, and consistently create content that reaches more customers. I'm not trying to build another fast fashion company. I want to build a brand that celebrates craftsmanship, sustainability, and creativity while proving handmade products still have a place in today's world. With the right support, I believe this business can grow into something much bigger than custom bags. Any questions? - What are the bags that you'll like? - This is one that I made for Caleb. - Okay. - So it's got like a zipper. This took me about eight hours. So it's got like zipper here, zipper here, and then on the inside it's got a place for a laptop, and then there's a cord bag in there too that I made. - Hmm. - So it's like completely customizable. There's a water bottle pocket on the side. There's places where you can clip things. - And how much did this cost for you to produce? - This only costed me $12. - Costed, $12. - And what do you sell it for? - I sell it for around 150. - Wow. - That's a premium product. 150 bucks. - Vanessa, is this a new business? I mean, are we still in the conceptual stage? How much revenue have you had come through in sales? - I'll be honest with you, it is quite a newer business. I've had about eight bags sold so far, but I've been going live on TikTok and just sowing and making stuff and people are so intrigued by the process of me making these bags and they get so interested in them eventually, they're like, hey, I would love to order a custom bag from you. Or something as much as like them sending in like maybe their favorite pair of pants, and I can make that. - How many followers do you have on TikTok that you're showing this all to? - At the moment, it's only 700 that I'm showing you too. - Okay, and just to bring other sharks up the speed, have you ever had another TikTok? - I have had another TikTok and it was, I had like 15,000 followers on it. - That's interesting, what happened? - It did get banned because I was doing content creation, adult content creation. - Oh! - And so it got banned for that reason. - So here's my thoughts. I'm gonna tell you how you actually grow this business. I think it'd be very unique. If you show yourself making these bags, but you make just crazy custom one-offs, you document the process, and then you sell it to the people who are watching. Like I see people do this all the time with art. They create these amazing art pieces. They document the process. Some of them get a lot of views, and then they sell them. But I don't think this is quite a business that you could scale easily, unless you just happen to go crazy viral. - I do wanna know, how'd you come up with your valuation? You said 5,000 for 5%. - Yes, 5,000, so that would be for all of like, sewing table, cutting table. - I understand that. But where did you get to about 100,000 being the value of this company today? - I never said it was 100,000, it was the value. (laughing) - The offer says it though. - 5,000. - Oh, that's it. - For 5%. - Which would be 100% valuation. - That does make sense. - So is it- - Is the valuation coming down? - Yeah. - Okay, good. I truly don't know like what, like my business would be worth, but I do know that I can create really good pieces and really connect with these people because these are like stories that you're telling through these workwares and everything. I've made a bag out of my dad's old clothes, like some of his old pants, and that was a story because in those pants, he did a whole bunch of things, and so that turned into a story that turned into something bigger. I would love for people to be able to send in things. - What did he do in his pants? - Well, he just got to like go interview a lot of really cool people and like just that day was like a special day for him that he wore those pants for. - So you know what it cost to produce this bag, but do you have shipping under control? Do you understand the cost around that? - So shipping would be around like five it's dollars, but they would be giving me half of the deposit up front and they would be covering the shipping cost. - Vanessa, I would be curious how many bags could you actually make in a year? Because let me lay it out is, I wonder where we are on the chicken versus the egg, what came first is if you should create your following so that you can then charge a big enough premium if you had enough followers, 'cause you're probably not gonna be able to create a ton of these bags since they're all custom and went off. And I'm just worried if you don't have the audience first, you're not going to be able to charge the premium so it's not a viable business, does that make sense? - Yes, absolutely. And I can, I literally within two weeks got that 700 followers. I just go live on TikTok and unfortunately, I did get just a ban at the moment on my TikTok live because I was adjusting my camera and when I went to reach behind it, it was just my cleavage that was in view. And I've tried to appeal it. It's been in approval for literally three days. I'm still waiting. - Was there, is this the 700 or the 15,000? - This is a 700. - Okay. - So we're already on the brink of the 700 going away. - No, 'cause that was my first restriction and that was totally user error, just not realizing where the camera was facing. Now, once we get these followers up, if you're able to get these followers up and we're able to sell enough bags with the, say, I provided 5,000, have we considered, instead of you making them having a child in Asia or Africa making them for a couple of cents? - See, but why do that? Why do that? When I can make them, and I can also make these like, just like baseline products of just like, oh, this is a cute little shoulder wrangler bag. And I can just make a couple of those so that those are just sellable. - So how are you currently paying your bills now if we're not making as many bags today? I wanna know, I wanna make sure that the person I'm investing in is able to take care of their life. - All my bills have been paid for for the most part. I am getting money from men online. - You should do what? - Well, you know, it's adult content creation. That's how I make money and that's how I'm spending my bills. - So unfortunately, I believe in your daily life that you're a whore and for that reason, I'm out. - Just in my daily life because I decided my body was worth someone spending money on it. You're out? - I'm out. - Okay. - But you still have five sharks left, four sharks left. - All right, so here's where I think. I'd be going in on the content creation. I'd be making the bags. I think if you spin up a unique story with the jeans, with someone sends you something, you document the process. I could actually see you selling these things. I think you could grow a following, showing the cool stories behind it and actually do well at it. But the problem is that you could only make so many bags in a year. So the only way to scale this in my opinion, you sell a really premium bag that's handmade. I don't like ZHC, this guy would do custom art unlike iPhone and stuff like that. Scale that up and then eventually you offer a mass market product. But you making them yourselves is gonna be pretty difficult. But not to say you can't make money on it and grow a following from it, but scaling that beyond just yourself is gonna be a longer process. - Yeah, so I don't expect for it to happen overnight by any means. I know that this would be quite a long process, but sewing has been the one thing that's been very consistent in my life. I've been doing it for six years. No matter what, that's just where I go to is sewing. And I love making things for other people too. I just, I don't make things for myself, I make things for other people. - And Vanessa, I think that anybody who can actually create something with their hands that has a value, that's something to be commended and to be respected. I think I'm out just because you're doing this at the wrong time, meaning that you have to get the following exactly where grandma so much, so you can charge the premium that your hard work is worth. But lean into your talents of what you can create with your hands and create the monetization and try it because I worry some of the ways that you've made money in the past. That's only gonna be a moment in time. And I want you to actually develop and lean into your talents of what you can create because that's gonna just have a lot more longevity. - It's actually gonna be more sustainable for you. And you probably can create your own with cult following that lets you get the crowdfunding by charging that premium. But I wish you the best, but I'm out. - Thank you. - This is what I would do instead of money, I'll give you my email and feel free to email me if you have any questions. I'd be happy to email you back, give you my thoughts on something. And I think that would be worth way more than $5,000. - I really appreciate that. - Grammar you out. - Financially I'm out, but email is in. - Well, Vanessa, I think you're very sweet, and I think it's really cool that you're talented, but my worry is that the marketing strategy could disappear over something that TikTok doesn't like, and also, my portfolio is already carrying enough baggage, so for that reason I'm out. (laughing) - Thank you. - All right, Vanessa, this is Humphrey. How are you? Financially, I'm also out for similar reasons as the other sharks have set here, but to answer your question about how to value your business, at this current time, it takes you eight hours to make a bag, so in a single year, presumably if you worked every day, you could maybe make 250 bags, you know, normal working hours, and so if each bag is $150, your annual revenue is 37,500, and so if you're making 37,500 for making these bags full time, first of all, that's not even enough of a wage for yourself, I think, that would be really tough, 'cause that's just revenue, that's just not your costs, and then the other thing is that if you were to value it at say one time sales, so your business would be worth 37,500, but let's say at the high end, it's worth 1.5X or 2X sales, you know, you're kind of looking at between 56K and 75K is what your business is worth. I just don't think it's that worth it for me to invest in it, but I think it's got a cool story, and I think if you can grow your following and charge a very high premium for the bags, let's say their artwork instead, you know, maybe it costs you 50 bucks to make, but now you're selling them for $1,500, that could be really interesting, and people would buy it because of its association to you, I think that would be really cool. So I think your focus is maybe not so much on the price of the bags for now, but just really growing your online persona, so that one day maybe you can charge that premium, and then that would be interesting, but as of right now, I don't see it becoming a Mascale product. - I appreciate y'all's time. Thank you so much. - Vanessa, you got some good advice today, and unfortunately leaving without an investment, but we can see you have some big hustle in ya, and we wish you the best. - Thank you. - Okay, so it unfortunately looks like the bad company is not gonna work in honestly. Like I was having fun with it, and I wanted to get their reactions with me calling you a whore, but like in reality, I think Humphrey, especially at the end, and it really gave some good advice. I think it really isn't scalable. - No. - Were you joking with the 5,000 for five percent, or was that what you were actually thinking? - I was with ChatGPT's numbers. - Chat, what did you feed it to get valued at 100,000? - We had a whole project going on, but it's okay. But it's okay. I learned a lot of lessons from it. I learned a lot of insight. - From what, the conversation? - Yes. It was more value, but I was thinking I was like, it was gonna be a good bet. But I think, no, I think, I mean, what did you learn? 'Cause I think you shouldn't pursue this. - First of all, like a hobby. - It's a hobby. - It's a hobby, but I think it'd be like a cute side hobby. - Yeah, side hobby, but we're not pursuing this. So this is my concern for you, right? It's like, okay, you're being a whore, and like that's not gonna be great long-term. Taking the old dude's peepee, you know, selling online, that's just, is that what you want for the rest of your life? - No, and that's why I haven't been- - Realtor, that's not gonna work out. - Why? - We already went over it. You don't stick to things long enough. You're not that entrepreneurial type person. That just majority people that try to get into real is they don't do well. - Majority? - Yeah, I don't know why. Why do you think you're gonna be a unique butterfly in that? Okay, fine. Why do you think it's gonna work? Yes, why I think it's not gonna work? - 'Cause I think I'm very good at selling a house. People need a house and, you know, if they want it, they want it, if they don't, they don't. At the end of the day, you know? - Wow, okay, you're gonna kill it. You're gonna do it, girl, girl. You literally, I'm being told, you quit jobs consistently on day one that you leave during lunch if you don't like the vibe by lunch. - Yeah. Girl, real estate, you weren't the amount of effort and shit you have to swing for the longest amount of time to make it. Okay, so there is no actual path. - Not necessarily. The more just ideas. - So what, we just live at home? - Yeah. - That's it, that's your life? - Yeah. - No, going forward. 'Cause you don't have anything real. I'll get you a course career certification. A lot of people use those to get great certifications and tech or trade and convert them into six figure jobs. People have done it in the audience. So you can do that as well, but I mean, besides the certification that you want to be good at college, you want to look like what the fuck are we doing? - Like my big dream, always like what I wanted to do. - Okay, dream, sure. - With forensic psychology. - Okay, well, you're gonna go to college. Have you done any college? - I haven't done any college. - Well, at least when people are doing OF, they're using it to pay for college. You could strip through college. - Paying for food. - I don't want to recommend people to. You live at home, you're paying some grocery shop. You have to pay for your own. - Yeah. - You have to pay for your own. - Yeah. - Hey, you're getting a Lambo. Maybe. One of my favorite partners is back with a vengeance. Y'all know Ridge. - Wallets, power banks, luggage. - Cool shit, you actually want. The Ridge Wallet 2.0 is the best thing to happen to money sense. - Me. - And their legendary sweepstakes are the best thing to ever happen to your garage. 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See official rules at Ridge.com/pages/rules. Sponsor, the Ridge Wallet LLC. Now back to your regularly scheduled train wreck. I already launched Liquid Assets, my official Gamersubs flavor, raspberry apple. And it's been selling like crazy. Here's the update, the free gift stacking promo from Christmas in July, especially sold out. For the flavor hasn't, zero sugar under one calorie, 100 servings a tub, same new traffic blend, same full vitamin stack, still just four scoops a day max. The code Caleb still gets you 10% off your entire order. And there's still a shot, one out of every 10 that your tub comes with my face on it. All you need to do is head to Gamersubs.gg/caleb or click the link in the description below. - I don't have Wi-Fi either, my Wi-Fi. My dad shut the Wi-Fi off for-- - So you'd rather strip them flip burgers though? - Yeah. - Why? - 'Cause I've done food jobs before. You're 24, I mean, you're not that old, then. What have you done? - Lot. - Well, yeah, 'cause you quit everything on day one. - We've got experience. - Why? - Well, let's see, we've got the tanning salon. I worked there twice. - We're talking flipping burgers, okay. - Bagel place, that was where I did my food. I've worked at Steinmar. I've worked at, I was a leasing agent at the house. - So long as you stayed somewhere. - A year and a half? - I just feel like, I'm a little overqualified for some jobs, you know? - How? - You know, I was a leasing agent. - Oh, okay. - What? - Let's speak to McDonald's in real estate. - Yeah, but I don't wanna go be in there flipping the burgers and everything. I'm too cute. - What people make their careers there. I wanna wear-- - Maybe if you wore less makeup, I don't know what you look like out of there, but you're cake to death, dude. I don't know what's going on. - Cake to death, you can wipe, you can wipe. There ain't nothing. - There's no makeup on there. All that fake-- - Well, there is makeup on there, obviously, but there's not as much as you're saying it's caked. - Come on, oh, what are we doing here? Then it's, okay. - Sure, but why do you look down on fast food workers? - I don't know, looking down on them by any means. Well, you said you're overqualified because you're a lease in agent that's looking down on them. No, I'm saying I'm overqualified To flip burgers girl your fact of pepper can is just showing how much makeup you're wearing look at that I'm looking at lipstick. That's lipstick. Yeah, I mean you're just going crazy What do we think the percentage chance of getting this new job that you're interviewing for pretty high? They were asking like how soon can you start and I was like as soon as possible they were trying to get an interview Are you actually going to stay there? Yeah, what is there to look forward to for this job for you to stay there? Because I need you to stay there make money in a college town. So there's like Younger guys and I have a little bit of a mommy kink and what's this that even mean? I just you know, what does that mean? I just like to be called mommy Do college guys like calling women mommy? I didn't do that well. I was in college is this it's just it's just a whole different thing now everything is like mommy Mommy guessing Texas tech is it's like the only one out there Okay, you're gonna stay there because there's young college guys Plus it's just that's just a good place to like it's college kids that are looking for places to stay Of course, they're gonna need an apartment like so of course. I'm gonna be getting constantly like doing cheap places So it's like it's less money. I mean it is money, but it's a job. It is a job, and you have nothing right now, and I need you to stop being I'd rather you be a whore just consenting to casual sex than selling it because it's just so it's not good for your life And long-term damaging so I mean that's fine if that's what we're getting like I'm okay with that. That's I mean crazy and Fine, yeah cater to your mommy kink. That's I think it'd be fun. It would be interesting. You'd meet so many Weird new people and lots of cute guys Weird new people because you're in a college zone. Yeah Because it's all like well, they're weird. It's like a ranching and stuff is like really what they're focused on I don't get it. Okay. Yeah, I you do you I just need you to make a thing income. Yeah, that's the critical thing here Right, and I need you to get it. Do you want to get away from? Yeah, yeah, you do. Yeah. Okay. Why? Because I like it. Okay. Well, there you go. Okay. Well, that's that's actually good to hear my goodness So the when you meet up with mr. 70-year-old or whatever. You don't actually like it. No, okay. Good. I just need to pay my phone bill Good, dude. Yeah, you're right Okay, and in theory, I never agreed to that, you know, I never agreed to that. I didn't I didn't I simply just shook my head What it's a mutual spoiling. I'm sure. Yeah, okay. So tell me about your finances today What are we looking at? What has it been like in your adult life? In my adult life is pretty much been paycheck to paycheck, but I mean I wasn't always bad with money I when I was 17. I had 17 when I was 17 school. Okay. I had $20,000 How? Because of the COVID money. What? So I was getting paid to be at home for COVID? You were 17. How what why are you getting paid? What? Well, cuz like it was like 17 like turning to 18, right? Is the students were getting paid? Well, cuz like 20 it was 2020. Yeah, high school students were getting paid. Yes Ice order high school students getting paid. I was getting paid 2 grand every two weeks What the fuck were you senior in high school? So I was able to save up a bunch of money cuz I wasn't ordering online or anything and So I got like 20 grand saved up I have to fact check this. Are you sure you didn't commit some kind of fraud? I've never I did not I wasn't in high school at the time and I guess I don't know many high schoolers But I have not heard of this yeah, okay, so you had 20,000 I'm gonna see if that's valid that you got it, but even so you had it. What the fuck happened? So then I bought an ambulance Okay, what is with the show and buying ambulances? It was five grand and I Referbished it spend about three grand refurbishing it. What are we doing? I was a tiny home No high school seniors who were 17-year-old during COVID did not receive 2,000 did not what you did what fraud did you commit? I really don't know now First-round cares I don't even know what you weren't do your parents not claim you for taxes? Where you considered your own dependent? No, cuz you live with your parents now of course they claim to do is the dependent. Why wouldn't they third-round American rescue plan second-round What is that the first round 17-year-old claim is dependent generally qualified for neither? We don't nor child add on I don't know what the fuck No, you committed some kind of fraud dude a hundred percent I asked what the fuck? I It was just like you know you committed fraud. No, I did not know what did you do to sign up for something? It was like through like the Texas something and not I don't even I fully don't even remember but it was my friend just told me like hey Put in here that you can't work during COVID and you can yeah for adults And we'll have it to the money so then I spent it on the ambulance and then right I stayed in the ambulance one night and My dad came begging on the door just to joke with me and it scared me and I said never slept in it again Didn't you blow the full 20 on the ambulance the numbers didn't add up? No, so then I moved out Yeah, and then it was just gone not where to go rent Groceries where you're not working. I was working at the time But then I was in between a job because I was waiting for school to start So then I was just living off of that for a little bit No, no automatic 2009, I'm not checking since we're 17 year olds who said they could not work during COVID pandemic assistant the BAU unemployment assistance in Texas specifically both ran regular unemployment and PUA No, dude, you totally committed some kind of fraud well Yeah, nothing instead of Texas either pandemic ebt Some school. No, what the fuck is happening here? You blew it on an amp, but you did you sell the ambulance? At least get some of the money so I sold it to my dad and my dad pays for my car insurance every month What what's he doing with that? I don't know It's literally just been sitting there for a while. What did you get from your dad for just he pays for my insurance? long for five grand, but neither of us are keeping track So I'm just hoping you just like of little bit. Yeah come on Come on, so you're receiving money from the government You did and then you got fraud. Let's ask the age-old question on Financial order, especially as a contractor or just whatever that you do. Do you pay taxes? I have not filed my taxes haven't filed in the last two years. Why why cuz I didn't have money to go get it filed One was it one year. It's free It was free if you know what you're doing I don't know what I'm doing, but it can go against your return I like turbo tax and stuff. I tried it and I just was difficult, so I just didn't do it That's not how this works. You may have actually gotten money back because you're poor I don't think I got money back. Well, you didn't file. So no, you didn't you didn't give or get yeah Yeah, yeah, yeah, oh, and then this year I just I cuz I had Medicaid So like I wasn't gonna get you had Medicaid so I wasn't gonna get you choose to quit jobs Because you're entitled and we give you Medicaid because of your choice. Yeah, I'm okay with government programs I really am for people that fall in hard times you didn't you chose to leave Why would we support someone who's choosing to leave wait, that's probably also Why do you get Medicaid you aren't laid off you aren't fired? I got Medicaid when I was working at the apartment complex Just cuz I wasn't making enough how many hours a week were you working? I was working 40 hours a week But according to like okay all of it I Today no Cuz you're just choosing not to work you literally like I won't put burgers. I'm better I'm overqualified for burgers. You say I'm overqualified for burgers. So why would I give you assistance if you're not willing to go get a job Go fuck yourself, but I am willing to get a job I'm just not burgers not burgers. Yeah, you're picking and choosing if you're picking and choosing then we should not give you anything I'm absolutely picking and choosing because that's where I valued good and we shouldn't value you're picking and choosing to give you benefits You on any programs No, well, okay, yeah, I'm fine taxes in a couple of years, so I don't know if you could honestly You got money from fast, but did you use it for school? All right, you told me you didn't go to school I didn't go to school, but I just like randomly one day just put in the fast for to see if I got money from it this Beginning of this year and I this year. Yeah, I and it they They said like I qualified for money. I haven't done it What are we doing? I just end the United States was and that we can't manage anything clearly We just hit our record number of people out of work in this country Not even just unemployed people who just aren't even doing anything and we're just finding that when we're totally okay with it We're totally okay, no one gives a We're so done. How much did you get? I don't even remember but I didn't I didn't actually take the money But it said you were qualified for qualified for it. Yes, why didn't you I'm glad you didn't but why didn't you because I I didn't know if I want to I wanted to go to college. - So it was in relation to college? - Yeah. 'Cause I wanted to go for forensic. - Were you accepted anywhere? - Forensic psychology was in parallel with college. - Okay, so it was for college. - Yeah. - Oh, well, you made it sound like it wasn't for college. - Yeah, no, yeah, it was for college. - Okay, well then I'm not opposed to it. You very much made it sound like it wasn't, and you didn't get anything dispersed. - Mm-hmm. - Okay. I mean, yeah, you could totally scam it by getting accepted into the community college, which everyone is, basically. And then saying you need money, so you borrow money and then use it just in your life. You could totally do that. - Don't. - I won't. - But you could. Okay, what do you think your financial score is zero to 10? Zero being the worst 10 being the best. - My financial score? - Zero being the worst 10 being the best. - Two. - Okay. If you want to see where you stand in the world of money, take the hammer financial score assessment. It is for each sticks a few minutes, and it's new and approved. So if you've done it before, take it now, and you can see where you stand in each category, and high level is a detail in what you need to do to improve it. Check it out, killpepper.com. And if you don't want to be like, you guess who ends up on the show? One, don't be a whore, two, download, dollar wise. Take the free trial. So if you like it, 10,000 is a monthly active users for a reason, change in their lives. Like you can right now. And then most of them take the annual version, because when you do, you save nearly 50% and you get the physical version of our 30-day budget meal plan in the digital version. The cookbook signed by me, mailed directly to you. So check that out. You can make food now. I can cook. Congratulations. Excel energy. I mean, told that this is required to pay back before you can even rent the department again. Maybe in your own words or what? I don't know. What? Tell me what's going on. Excel energy that's what most department complexes go through at least. So I have to pay that. Oh, that's where the rent payment is going through. Is it like utility? Yeah, utilities. Oh, in your area, maybe? Yeah. So like I have to pay nine. They said that. Oh, so you have to pay that before you can start servicing? Yes. I can't start servicing here. And you make, dude, if you ride two old PPs, you pay that. And I don't want you to. I'm not advocating. But I'm just saying, why have vince you? Because you live at home. I'm confused because I just like to spend my money. Well, there you go. So you don't give a-- You don't give a-- I'm getting an apartment. I do, though. Hey, don't. You just like to spend money. You're not saving up for a first month last month. You're not saving up for a second. I'm not saving up for a second. Okay, the basic accomplishments. That's an accomplishment. Human accomplishments. Staying alive. Yeah. That's a big accomplishment in itself. That's the most basic thing ever. Yeah. Really, when I ask you say you have accomplished a lot, and I ask you what have you done, that's the one thing you can say. You can't say one other thing. No. I did, I lost about 90 pounds. Oh, you were a fat. Yeah. Okay, show me the before. Let's see. Huh? No, no, no, no. It's actually really good. Because I mean, yeah. No, you look good. And it's rare that people get to keep the tits, right? Yeah. Because at first I didn't. I'm sure, unfortunately, now I'm sure that they go down to your legs, but no. Them house still parking. It's actually impressive. Maybe because you did it young enough. I don't know. Well, she's because I had extra, extra large titty stuff. Titty stuff. Oh my gosh. Yeah, you were a big girl. Mm-hmm. Yeah, let's get this and put it on screen. Yeah, not like morbidly obese, but you're definitely big. I'm actually surprised that that is an extra 90 pounds. I had a roll for sure when I sat down. Okay, no, I mean, okay. So what that indicates to me is that you are something that can stick to discipline of some kind and follow a plan. Now, why haven't you been able to financially? Because I don't really know what I'm doing. Well, how do you know what you're doing with losing weight? Because it's simple. You. And this is simple. How'd you learn the simplicity of that? Just, I mean, working out. Just, you figured it out. How'd you learn? I just figured it out. Like, I went. Just going to the gym and doing it. What about the dieting and everything? There really wasn't any dieting or anything. Okay. Okay. So how'd you learn what workouts work? And the calorie deficit and all that good stuff? Just looking it up online. There you go. Why haven't you done that with this? That's the exact thing I'm trying to say. I don't know. It's very basic. It's just like you spend less than you make. That's it. Yeah. So why did you not pay this? This was your first department. Why did you not pay it? What happened in that moment? So I lived by myself on the apartment complex. And then just had like big life incident happen. And then I had to do it. What was your rent? A rent was 800. That's so cheap. What was your big life incident? Just like mental health stuff. And so then. Okay. It happens. And so then I move in with the roommate. Okay. I move in with the roommate. And then the roommate. Somehow, I don't know how at all. But $500 later was like electric bill. Why? And. Why do you make them responsible for paying the electric bill? And I have in your eyes on it. Well, I did have my eyes on it. Or so I thought. Not in. Or so I thought. I was keeping up with it. And everything was always paid on time. I was never late. Never not once. Was I late. But then. I just lost on one moment. Okay. So when $500 popped up. Why did you not figure out a way to take care of it? And instead you were just like, no, let me. The next years of my life. Because I was moving in with my fiance. And I was like, I don't need it. Oh, the fiance. Oh my goodness. I can't believe you were engaged. Okay. Shit. When was the engagement? Well, how old are you when you got engaged? The engagement was last year. It ended in January of this year. Yes. And you got engaged what month last year? Well, we were together for like eight months. He proposed after five. What? Okay. Why did you get together so quick? Why did you say yes? Um, it was just kind of like on the spot. I wasn't ready for it, you know. So say no. That's hard. That's, that's a hard thing. And I thought. Okay. Then you sort of put yourself in that situation if you literally can't say no. I, I thought. Well, it was like I was financially dependent on him. What the fuck? Why? What were you doing for work? Well, he wanted me to stay home. Okay, but you guys weren't married. So why would you be staying home yet? Were you still fat? Mm-hmm. Okay. He just like didn't want me to because he thought I was going to sleep with my coworkers or sleep with random people. And he just was really insecure man. And then why'd you break up? Um, well, yeah. He said don't put my friend in. Then you put this friend literally the last night. After. Yeah, but come on. It's crazy. Are they still friends? No, I don't think so. It's crazy. Okay, go on. And so then. Um, oh friends, multiple. You have multiple of his friends. Yes. How many? Three. Why? Why not? That's crazy behavior. You're clearly like targeting them. No. They're just like who I know. Are they all friends? Who I know. They, yeah. Does he know? No. Why? I didn't tell him. Did they? No. And you just texted them? No, I was just like, they asked to hang out. They. Okay, they wanted to copy us. Yeah. Because they asked to hang out. You don't hang out. I mean, it's clear. Oh, he caught you cheating. No. I never cheated on him. But when our relationship ended, so what it was was my coworker had texted me. Because I did get a job at a vape shop like by the towards like the end of it. Okay. And my coworker had texted me. I didn't have his name or his number saved. He had never texted me before. He had texted me. And so then he looks on my apple watch. And he sees that there's a guy texting me and he's like, you're cheating on me. Like, I know I was always accused of being like cheating on him. Yes, you're a whore. I never did. I never did. Never not once. Whatever. And I just told him like, yeah, I'm cheating on him. Just because like I was so emotionally exhausted in that relationship, I couldn't do it. Because of all his like oversight. No, because he was crazy too. In what way? I mean, there was one time where he was like, you want to see what real pain looks like. And he started cutting chunks of skin out of his arm. If you want to land a high paying job, but don't have experience or a degree, then And you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. 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I'm just going from what you've said. Show me Y'all's talking. Me and him? Uh-huh. I don't even know if I have it, so. I think he deserves to know. I'm going to call him in the postural. Not him now. Oh, dear God. Did you, his friends? Like, a month after. Okay, so it was before you f---ed last month. Yeah, pull it, pull it. You can search his name. Got an attitude problem. Who? You. Oh, yeah. No, I deleted it. Your text messages with him? Yeah, I did. Why? Because I got tired of seeing his name on my phone. But you just rekindled? Yeah, he called me. He called me because I always have to drive on the road where he lives. Oh, goodness. And so we passed each other. He called me. Oh, wait, you guys went on a trip together, too. What the f--- are we doing? Yeah. So then, randomly, we just went on a trip, and we kind of like. I thought we were rekindling, but then he ghosted me as soon as we got back. Oh, dude. He cuts his f---ing. Why would you want to be with that? Because I'm love blind. You're. Love blind. You're a whore. Oh, wrong. I get it. It's fine. I've been a whore. Everyone's a whore. It's one of the things, I don't know. 276,000 collections for something. I mean, I don't even know what it was for. Do you? 2000? 200. So six. That. People look at it. There is a medical one coming that is 2000, but take a look at that. That one is from, like, a. buy now, pay later. Why? Those ones got me. When? When I worked at the first department complex. Oh, my goodness. What were you getting? Um. Hair extensions. Sexy ones. Sexy ones. How many? Why? Because that's when I was filming for only f---. So did you ever even make a profit? Yes, I did. Bullshit. I just didn't pay them back. Yeah, I mean, bullshit. We got, like, at least over 1,000, 1,300 dollars on bullshit spending last month. Yeah. You make 2,000 a month. You're never going to be able to survive. You just let everything go to collections. So what is. Is this a medical thing? 2030. Yeah, this is an ambulance ride. For why? Because I just. I just needed to go. And they said. Why? They said you can either ride in the police car to you. I had a moment. Okay. Banging her head against the wall is usual. Essentially. Pretty much. And so then Baker acted me. They said you can either ride in the ambulance or the police car. And I didn't want to ride in the back of police car. And I didn't think it was going to be $2,000 for an ambulance ride. They didn't do anything. It just didn't mean. When did this happen? Like 2 years ago. And why did you never set up even a payment plan or anything? Because it doesn't fall off after seven years. Like medical stuff. Collections in general. Collections can sue you. And court can garnish your wages. Well, that's ridiculous. That's ridiculous. It's because I wasn't going to pay $2,000 because I got Baker acted and they took me. Huh? To name me. Because you got what? Baker acted. What? Baker acted. I don't know what that is. If you're harmed to yourself or others. I don't. I. Okay. Anyway, no matter what. And then you have to see a judge. Did you? Yeah. And said you didn't have to pay? Well, no. What? They take you to, like, a mental hospital. Okay. Anger. I'm needing to figure it out. Okay. Uh. Okay. What do you offer $1,388 in collections? Um. That is also just bullshit spending. Yeah, but what is the account? Uh, a firm? It was. Uh, I did buy, like, a pretty big sex machine. Machine? Yeah. What is that? Sorry. I've never heard of this. You can, like, suction it to the floor. And then it. The machine? The machine. And then you can, like, angle it whichever way you want it to go. Then you put on top, you know, like, on top of it. You know, you can either suction something to it or they have attachments that you can use. And just. It just. You. Are the hornies' person, I think? It is. Yeah. Can I see what this looks like? Yeah. Without you attached to it? Yes. So, a machine went to collections. Yeah. Uh. Well, America. I wonder an interesting time we live in. It was a great purchase, though. I will say. You used it constantly? All the time. Okay. This is better than getting AIDS. So, it looks like that, but there's more, like, attachment. Why would this be something that you're, like, yes, let me just bend over in front of this. This is crazy. And then there's other ones. And then there's other ones where it's got, like, like, the rabbit ears and everything, like, there's just different toys that go with it. You can put, like, a creature cock on there. Huh? A creature cock? I don't know. Is that, like, of a. A cock of a creature? Like, a tentacle or, like, there's. Why would you want that? Because it feels good. That's so weird. Okay. Our hundred ten dollars in collections. What? That's just another. All of those are by now paylaters. All of them. Okay. Interactual spending. Yes. So, this is stupid. In your check-in account, you started with negative seventeen dollars and seventy six cents. Mm-hmm. Now, that was all your money. Sorry. Negative twenty-two dollars and twenty-four cents ended with negative twenty-two dollars and eighty-five cents. Why? Why start in a negative? Why do this to yourself? You will never leave home. Kerr, I don't even. Where's the spending page? It must be in there, but what the f--- is going on? Why would you spend money if you're negative? Just just flat out. Where's the logic? Because I need gas. I need food. But so you will never move out. I will move out. Align that. Align that with the current situation. Tell me how. Is the current situation right now? No. It's not going very well. Then they make with almost no overhead. So how the f--- are you going to survive on your own? You already didn't pay your electricity bill. I've already survived a month without a job. Living at home. Yeah. How are you not connecting this? How are you going to survive on your own? You couldn't last time. I did, though. I did. You still owe on your electricity bill from then. That was only just because I moved in my ex. And so I just, I didn't have a reason to pay the electricity bill. Morals? No. Yeah, we know. Doesn't? Huh. Mutual spoiling. Yeah. What happens if that 80-year-old dies? I sort of said. Okay, credit. Karma. Checking the current? That's a thing? Yeah. Whoa. Okay. Did not know. I found 6.71. Okay. It's better than last time. But I can't see your ending balance will. Oh. One dollars. One. one singular dollar. - We're door-dashed in Walgreens. A lot of morning after pills I assume those sliding down in that throat. - No, I've got one next one on a mar. - And Walgreens. - Okay, you're seven in Walgreens and getting for $2.83. - Like lashes. - You don't care about it, you will never survive. You're never gonna leave. You're gonna be a home and a loser forever. - Walgreens again, lashes. Door dashing, great. Great armor. Great armor. Hello. - I don't even know who this is. - Great, great armor. - Oh, great American cookie. - Your door dashing, you did. Did you literally don't have a job in your door dashing? I'm cookies. - Yeah, I'm door dashing because I'm hungry. And because I'm a piece of shit car. - And I'm so in the-- - And I'm a piece of shit car to the drive-through. - Piece of shit, walk to the kitchen. - But I don't have food there. - Go take your piece of shit car to Walmart and get some groceries. - But then if you don't have gas money, and it's at least 15, 20 minutes-- - You don't have gas money, how long are you telling me you're getting a full-tinket gas for the door dashing one sitting? - Well, it's like $12 to the door dashing, but-- - Get $12 to gas, it'll ask you a second. - Exactly a second. - More than that meal. - But I'm hungry now. - Oh my, dude, you broke it. Okay, good luck, good luck, good luck. Tutin' tot 'em. - That's, I got fountain drink. - Is that more important than living on or on? - I don't get it. - Yeah, make your drinks at home. - You can get the caffeine-free version or the energy drink version, ask the energy drink version, gamer subs. It's 40 cents a serving instead of going and all this bullshit. We have our very own financial audit in Caleb Hammer Flavor, one out of 100 per, every 100 purchases, we'll get the one with my face on it, by the way. 80 cents a serving with my discount code, a link in the description below, code Caleb, while supplies last, and also, you can get any flavor, get the free sample, so you feel like it. And then she door dashes Chick-fil-A for $16.71 and gets set to getting gas. She door dashes Pizza Hut on the same day. Nope, the next day instead of getting gas for $16.85. Alta, as she cakes it all on and once it in, Dutch Bros, for $13.35 instead of getting gas. She door dashes for $57.08 instead of getting gas. She door dashes Taco Villa for $20.73 instead of getting gas. She then gets McDonald's for $14.01 instead of getting gas. What's headhunters for $22? - That is a vape store. - You are a failure in every way, so now you're gonna just (beep) your entire body, sure why not? What's the point of McDonald's? - $9.00. - No gas. Rose's cafe in tortilla, $11.00. No gas. Any balance? $1.25 cents. No shit, you can't get gas. You, you're telling the producer, this is how you prioritize life. You're telling producers, you get money from a man and you immediately go to Walmart for a shopping spree. - Yeah. - That's how you live instead of trying to, further your life in any way whatsoever. - I am furthering my life though. - But not in the way that you want. Long term you want out. - Yeah. - But you're not gonna ever leave that's how you live your life. Death to brother. Why? How much? How much? Death to brother. - I've got like $500. - What? - I bet you (beep) your brother too. - Oh, it's nasty. Nasty, $500 just because I needed it from my phone bill. - The phone bill's $500? - It's like $3.98 and I was buying it. - Which the helium dude, $15 a line. Heelium, $15 a line. - Well, probably on your phone like a (beep) dumb, and more. As you have muscle on like an iPad, watch, earphones. - Yeah. - Yeah, I do owe on a couple different things. So that's my bad. - You deserve it. You deserve the failure at this point then. - Okay, so when did he do that? You said a couple of months ago? - Yeah. - Do you have a payment plan with him? What's the expectation? Does he live at home? - He lives in a trailer on the side of the home. - Oh, this is a family of success. - Yeah. - Oh my (beep) - My parents killed it. They absolutely killed it. - They should've, do you know what I mean? (laughing) - So yeah, he's a musician. - No, and you make bags. (laughing) - And we're just creative. We're just a creative, we'll do owe. - Oh, you used the Gusta spending account. - Mm-hmm. - That's what we use for payroll here. I don't think anyone is taking this as an option. 'Cause you can be like cash advance and shit. Which looks like is what you do, right? - Mm-hmm. (papers rustling) - It's like I made the money, why not get it beforehand? - That's not, again, just like anything. Because personally on kylepamer.com, we have like personal loans and debt forgiveness and credit cards and car insurance. I'm not opposed to the concept of any financial services in like a payday loan. Or like credit one, 'cause it fees for existing. I'm not opposed to the vast majority of anything else, including even this. But if you can't manage any of those correctly, then I'm dramatically opposed to it. I could use this. Let's pretend, I don't know, maybe I'm going on, I could do it for whatever I want to do. 'Cause I know I could manage it and pay it back. You can't, so stop. - Well, it's like when I need the money, I need the money. I'm being told you smoke weed, is that true? How much money do you spend on that a month? - Probably around like 400. - Okay, you need the money, there it is. Stop spending that much money. The world's biggest pothead in this office is Mark, who just literally gasped behind you. You made the biggest pothead of the office gasp. - I get like half an ounce every week or so. - Okay, now he's questioning. Is it just more expensive over there? - That's about right. - Is that a lot? Is that a lot Mark? - It's a lot weed. - Oh, that's a lot of weed. - It's like, it's like this, it's like this in a jar, it's like this big. - That doesn't help me. I just, I don't know what translate, I don't know. Your parents are okay with what you do for not living, go in a writing old dick? - Well, they don't, they don't know. You live there, they don't know how you get you. Okay, so what are you doing here? Let's see. Ah, bang, bang, vapors. Headhunters, more of ape. Getting pops or energy drinks or whatever. Door dashing Taco Bell, I'm not getting gas, $25. Pop! Door dashing subway, pack a sack. - That's a gas station. - Well, $5, so you didn't get gas, probably. - I did get gas. - I'm doing guns and bulls. Okay, $20 for Taco Bell, but great, okay. Tune in totem again, there it is, getting some bop. Headhunters getting some vapes, after pay $100. I didn't even see her after pay. Tune in totem, headhunters pull up your after pay. I'll love garden. - Oh, and then that's paying back for the cash advance. Party stop probably got some bull shit. And, yeah, and there's the cash advance, cash advance, cash advance. And we have an Apple cash account. Negative almost every month last year. Which is me. Tune in totem, this is your after pay. You owe $65. With $7.50 a payment. We even get a statement for this, for weak. You have an already a payment. You owe $65, it's $7 a payment. It's for Walmart, yours just such a. - Let me look at your Amazon. Do you buy anything on Amazon? - Yeah. - Let me see your Amazon. Oh, you pay for Lincoln Bios, $6.50, Apple Bell, Apple Bell. Huh, getting some drinks and bull shit. Walgreens, $51, that has to be morning after. That's morning after. - What is it? - Walgreens, $51. - Oh no, that's just makeup. - Skincare. - You suck. Dordash and the Gavanna. Pain for ex premium. Into bull shit. Payment out, payment out, payment out, payment out. I don't even know what. - Are you just trying to see what I bought? - Yes, Dordash Chick-fil-A, bull shit. Payment out, payment out. I don't even know where that shit's going. Bull shit, bull shit. Pop, pop. Amazon. Oh, this is fake jewelry makeup for ever-lash extensions. There's this ex machine. Oh my gosh. For men and women. - Well, I guess the others bottoms out there, Brandon. - No, 'cause they have their pocket pussy like attachments. - Don't tell me that. - They do. - I can't become demotivated in such a way. Like, I need that. I need to need to go hunt them. I can't do not. - It's a, if we take that away from me. men we will literally do nothing but stay inside. - No, it gets real technical, like real technical for men. - This is insane. Let's get you a budget. - By the way, I'm not against sex toys. I'm not against sex. I don't like charging for it 'cause it's degrading. And get you in dangerous situations and it's not good for your life when it's permanent footprint. And if you're addicted to sex toys, just like anything, then it'd be bad. So I'm like pouring stuff, man. - Okay, income, 2000, I guess. Hopefully you get this job. Dead payments, $7.50, not crazy. So do you owe anything to rent while living there? - Uh-huh. - Anything to utilities while living there. Internet? Okay, food, you say you pay for all that, right? - Yeah. - $300, you'll mail prepping, mail planning. - Am I? - Yes, or else there's nothing here. - Oh yeah. - So $300, TP fund, anything else you need to survive? - Tampons, makeup, all the good stuff, $150. Yes, yeah, you cut, you've cut, foam bill. - Let's look and see exactly how much it is. - I just need you to get rid of them and switch to healing, man. I really do. It's crazy. Your past deal, like $5.40 on your foam bill right now? - I'm past due, $180. - Okay, what's your foam bill? - Brother, really? Come on! - I think it's like $3.98. - Medical healthcare, you got co-pay, is that a multi-basis? - I pay for, what is it? The, oh shit, what's it called? - When you go to good or ex, good or ex, pretty-- - How much, how much? - It's 10. - Okay, subscriptions, I'll try to give you like 40 bucks. So you have some. How many pets? - Oh, car insurance, how much? - I don't pay for my car insurance because my dad pays for it. - Do you have a car payment? What's your car? - It's a 1997 four-rounder. - That could survive very long. What's the gas, gas, multi-basis? - It's like-- - It's a room drive drive. - 50. - One, okay. - I've had my car since I was 16. - Sure, how many miles on that thing? - We are 50,000 away from 300,000. - How many times have you been pregnant in your life? - Zero. - Okay, about 1,000 left over practically. It's called a 900. Hey, off your family. Start settling in these collections and you can get out of these collections and literally, what the, what the, what the 900? Did you fucking down there like two months, three months? What do you, what are we, what are we even doing? Stop with a bullshit with the, ooh, and with the, ooh, for money, and with the f*cking bags. Go get yourself a job, stay there. Up your qualifications, start a career. First month, last month, let's get a fully emergency fund. Move out and live your life. This is pathetic. All right, I gotta save this man. I'm gonna call him in the post show and let him know what the f*ck she did. It's gonna be crazy, it's gonna be f*cking sane. It's gonna be a, but let's get the hammer financial score first. Spending in a budget, you overspending, spend thousands, zero out of 10. That, you have collections, zero out of 10, emergency fund, nothing saves, zero out of 10. Retirement, nothing, zero out of 10, real estate, nothing, zero out of 10. Get yours at Calebhammer.com. She thought she was the two. She's the zero, see where you are for free at Calebhammer.com. Now join us for hammer elite. The post show in extra 20 minutes, three premium and credible shows every single day, six days a week. You can join and I need to by clicking the join button or clicking that link or by going to hammer elite.com or downloading the hammer lead app. I'll see you guys there. She totally lied to me. She did not tell you these messages. I'm gonna go through them now. - Sorry was something. - Oh, I see why he's not answering 'cause she's spamming them and never responding. - But he texted me that he wanted to hang out not that long ago so I was confused. - Hi, even though you guys hooked up last month. She had unprotected sex with (beep) I just launched the brand new hammer elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer elite access or free. Download the hammer elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise. I want you to be on the next episode of financial audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work. Apply you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com/apply or click that link in the description below.