Hi, I’m a 24 year old African American entrepreneur. I have had some success starting a few businesses from an idea to a beta. I have worked many part time and full time jobs to make ends meet and to invest in my businesses, however having a dream or idea can be very costly in the beginning before making profit as we all know. Where I have failed and am experiencing a catch-22 is with balancing wants/needs/investments. I recently tried to move to California to grow my business. I went to school for Audio Engineering and had shipped my equipment to San Francisco where I was staying with a family member til I got on my feet. During my month in California my cousin told me after a week of living with her I would have to leave because she struggled from bipolar and PTSD from being in the war. I wasn’t made aware of tho until I arrived which completely caught me off guard. During this time I was searching for Liam’s to apply for housing and ended up being scammed out of $2,700. At the time that was all I had to my name. I immediately had to ask for help just to get back to my home state Tn to stay with a friend. Upon returning I had to find a new job and was told by my friend that I was subleasing from before my trip to California that upon my return he and his girlfriend wanted to live alone and I had to find a new place to stay by December. So I had no money, a broken down vehicle and a temporary place to stay. I found a job booting cars in Nashville for decent money. Only problem is you have to pay for your booting license and use your own transportation. So I asked to borrow my girlfriend’s mom’s car because my girlfriend drives a stick shift and I can’t. Her mom has an automatic. I have been using her car to drive to Nashville every day at 6am to get to work. My girlfriend’s mom then offers to help me get my car fixed. So she paid $700 to get my brakes fixed but the whole system had to be replaced on top of my car needing more work. So my car is still not drivable to Nashville and my girlfriend’s mom wants her car back. So I won’t get paid for my time at work til the end of this month but I also can’t work until I get paid. To make matters even worse my MacBook Pro crashed a week ago eliminating any money I could’ve made from my home business mixing audio. It will cost $475 to fix my computer. My equipment is still in California and was damaged by the usps when it came from Tn. So I have a crashed laptop and no studio equipment on top of car troubles and no money. Here i am today with negative $15 to my name. A lot of owed money waiting to be taken out of my first check and also faced with the dilemma of finding housing with bad credit from student loans and no money to eat. I am seriously drowning and struggling. I’m doing everything I can to change my situations and the problems are stacking quicker than the money is coming. I need help! I can’t get a loan because of my credit. I need a break or a sign to not end my life. I have so much ambition and have so much potential. I’m just having a hard time getting over this mountain of debt and misfortune.