Failed Camgirl Is A Literal Clown | Financial Audit
2024/10/23
Financial Audit
C
Caleb Hammer
N
Natalie
Natalie: 我长期从事网络色情工作，并因此产生财务问题，我的收入不足以维持生活，我还有冲动消费的习惯，导致我的财务状况非常糟糕。我曾经拥有母亲买给我的房子，但由于严重抑郁和无力照顾收养的动物，我失去了房子。我现在和男友住在一起，并且依赖前夫和家人的经济支持。我试图攒钱买车，但我的消费习惯很糟糕，我经常使用Uber Eats点餐，购买游戏和美甲用品等。我还有几张信用卡欠款，其中一张信用卡由我的前夫每月支付。我试图改善我的财务状况，但我很难控制自己的冲动消费。
Caleb Hammer: Natalie 的财务状况非常糟糕，她的消费习惯很糟糕，她过度依赖他人的经济支持，并且没有制定合理的预算。她应该停止依赖前夫的经济支持，并开始承担责任。她应该制定合理的预算，控制消费，并寻找更好的工作机会。她应该关闭Credit One信用卡，因为它手续费很高。她应该参加在线课程，提升职业技能，并寻求专业的财务建议。她需要学习如何管理财务，并养成良好的消费习惯。
Natalie 的前夫: (没有直接的观点陈述，但通过电话沟通，他同意停止支付Natalie 的信用卡账单。)
Deep Dive
Why did Natalie start doing online work at 18?
Daddy issues.
Why did Natalie's mom buy her a house?
To help her raise her children during a stalking situation.
Why did Natalie lose her house?
Severe depression led to neglecting responsibilities and fostering animals she couldn't handle.
Why is Natalie's ex-husband still paying her credit card bills?
He opened the card in her name and continues to pay it despite their separation.
Why did Natalie's credit limit get lowered?
She maxed out her credit card multiple times.
Why did Natalie buy a $6,000 Rottweiler?
For security during a stalking situation.
Why does Natalie have medical debt on her credit report?
Her daughter broke her arm under her care, and she didn't have insurance at the time.
Why does Natalie have a charged-off auto loan?
She couldn't keep up with payments due to health issues and lost her job.
Why does Natalie have a Target card in collections?
She spent on household items and Legos for a house she no longer owns.
Why does Natalie have student loan debt?
She attended school but put her loans on hold.
Natalie discusses her 13-year history of online activities, starting from the age of 18, and mentions her experiences with missed payments and financial support from her ex-husband.
- Natalie has been involved in online activities for 13 years.
- She started at the age of 18.
- Her ex-husband pays her credit card bills.
Shownotes Transcript