EFFORTPOST Most financially competent real estate agent talks finances

Cameron, 20, Houston TX

At least two Red Bulls

Segment like a really sus video where Cameron explains he consents to the show timestamp

Career:

• "Kinda complicated I guess"

• Part time real estate, part time construction with my Dad

• "From Sunday to Wednesday I do real estate, I guess full time"

  • He lays out his schedule timestamp

    • 5am wakeup

    • 6am gym

• Real Estate agent, lots of calling people

  • Done it for a year

  • Wants to do this full time

  • This month is "most money he's ever made"

  • $14'000 this month but he "spent most of it"

    • Sold a single listing and got them a new place - he knocked their door

  • He tries to explain how timestamp

  • When he started he "spent the money before it was in [his] pocket"

  • Was a server at resturaunt, quit it to be agent

  • Hems and haws then admits it's 2'500 "over 6 to 8 months" so much less than other guests

  • "I try to prospect but like I've started playing Minecraft and stuff you know what I mean?" timestamp

    • This is what he was doing last year instead of working?

  • Works 4 hours a day 4 days a week timestamp

    • Actually it's 1 hour a day of calling people?

    • Actually he's showing houses as well?

    • Maybe 3 a day?

  • A day in the life of a real estate agent timestamp

    • Later clarified to 1 hour a day with a lot of staring at the screen doing literally nothing, sometimes watching Financial Audit videos MARSEY LFMAOOOOOO

    • HE ALLUDES TO HAVING THE ZOOMER PHONE PHOBIA

    • 3 hour lunch break lmfao

  • Saved $2000 of that $14000 check

• Construction timestamp

  • Dad's company, Dad cuts him a check

  • About $125 a day, 3 days a week (around 10 hour days for this)

  • Doesn't know if he's W2 or not

    • "Uhhhhmmm my dad has his company and I just kind of go in and he gives me a check"

    • "I don't know I just get the check and I just picture deposit it into Wells Fargo, it goes into my account"

  • Just started this, started around last month

• Living with his parents

• "I used to make a lot of money as a server"

Personal Life;

• Girlfriend of 2 years is in the room timestamp

Financials:

• Parents helped him out 7'000 on a car downpayment

  • He paid them back 4'000

• He did not set money aside for taxes

• Credit Card 1 (Discover) (1'015) timestamp

  • 1326 previous - 994 payments + 664 new transactions

  • "Why are you putting more money on a card that is accumulating interest?" timestamp

    • He is extremely confident things will just work themselves out

  • "If you look at my spending I try to be really conservative with it"

  • Lots and lots of eating out, some paint he got reimbursed for

  • "Everyone's net worth is negative at 20 years old"

• Credit Card 2 (some bank name) (2404) timestamp

  • $2391 - $200 payment + 157 new purchases + $55 interest accrued

  • He paid another $200 payment on this

  • Credit limit is $2500

  • Ate $29 in fees this year

• His stonks timestamp

• 2016 Jeep Wrangler timestamp

  • $31355 balance

  • 10.something interest rate

  • There's an unpaid balance of $680

  • He tries to explain, his parents took the car out for him, in their name, he's paying for it

  • Caleb seethes because he keeps looking at the camera

  • 6 year term

  • Jeeps in the shop, $300 - lots of other spending on parts for the jeep

  • Suspension is messed up

  • Lots of other issues with it

  • Pays for car insurance under his parents name - $400 a month

  • Went to college for a year, took a year off, couldn't afford to both go to college and pay the jeep

  • He didn't really know what he was doing at college

  • "My way of justifying it was I didn't know what I was doing in college and I had the Jeep anyways"

• Credit Card 3 ($472) (Spark Business) timestamp

  • 536 - $71 payments + $12 interest accrued

  • Not the real estate card

  • "This card was a really dumb decision... probably the worst one"

  • "Every year we get a fee as realtors, we have to pay like 400, 500, I didn't have the money so I opened a credit card and paid it with that."

  • Minimum payment 17, 30% interest

• Credit Card 4 (CapitalOne) ($352) timestamp

  • Minimum $25

  • $8 interest accrued

  • $727 - $700 + $323.85

  • "This month I spoiled myself"

    • He tries to explain why he thinks this is a good idea

• How much he owes to his family timestamp

  • $11'000 total?

  • Informal, gets brought up when the dad's mad

  • He paid 4000, it's down from 15'000

  • Pays $400 for rent

• Checking Account timestamp

  • $150 in there

  • fair bit of going out to eat, eBay headphones, smoking "trying to quit," $1000 into his RobinHood

  • THIS R-SLUR INVESTED 15% of the portfolio INTO TAKETWO HOLY SHIT

    • waiting for GTA 6 thinking it will moon shot

Spending piechart timestamp

• He gave his parents 4000 which might be upfront rent payments might be debt payment? to help pay off the house???

Caleb makes him cry bigly timestamp

• "To be honest, it might just be a reaction to the Red Bull"

Oracle seems to be a long-term sponsor, every video now