Financial Advisor Urges 24-Year-Old to Cut Spending and Get Steady Job After Pursuing Multiple Unprofitable Ventures and Accumulating Over $10k in Debt

24-year-old Kiki pursued multiple unprofitable business ventures after quitting steady jobs, leading to over $10k in debt
She spends frivolously on food delivery and other unnecessary expenses despite negative cash flow
Kiki hasn't made payments on $10k in student loans, hoping for debt forgiveness
Financial advisor Caleb Hammer called her finances "delusional," urging her to cut spending and get a steady job
Hammer built his own business only after establishing a 12-month emergency fund Kiki lacks