Jose speaking to host Caleb Hammer on the "Financial Audit" podcast.Caleb Hammer/YouTube A man named Jose appeared on Caleb Hammer's "Financial Audit" podcast to help him budget. He'd started up his gym business last year but was struggling to make ends meet. Hammer said he was "scared" for Jose, and thought he may be heading for bankruptcy. A man appeared on a budgeting podcast for help with the debts he racked up trying to launch a business, totalling around $58,000.Jose, from Dallas, Texas, told Caleb Hammer, the host of "Financial Audit," that he had lost a friend, fallen into credit-card debt, and was struggling to make ends meet since opening a gym.Jose said he had launched the business in the past year and was doing a "horrible job" at keeping his personal and business finances separate.He said he was bringing in around $10,000 per month, but with lots of costs.