The reason you're probably not succeeding is since you're new to PPC, ringtones and payday loans are really big niches. Why not start with something smaller and work up from there with experience? If you start with something small, you won't be wasting so much money and you'll learn from your mistakes and find patterns and start noticing what's important how the PPC system works.
I think your new since you weren't sure how to group your keywords this is basic stuff, before spending $3K into a huge market such as ringtones you need to atleast understand how the PPC system works. Just because somebody does help you make that money in the first month. That doesn't mean that the next month you're going to continue making that money. The PPC market is very volatile, you can have a new competitor come in at any time, your offer can get pulled or change, you have to learn to monitor your bids and know how to adjust your bids depending on the amount of traffic you're getting, if a particular keyword is converting you need to find out how much to raise to get more traffic, but at the same time if it's getting converisons but too much non-converting traffic then you need to lower your bids. PPC isn't a "set it and forget it" system.
It's not hard to learn on your own, if you really have been spending 3 months with this, have you been researching and reading as much as you can on how the PPC system works? Start searching this forum and learn as much as you can and start with something small.
When I started PPC, I only started with a budget of $7 day but during that time I was still learning, reading posts and articles on PPC, learning from my own experience, etc.. If I went in blindly with a budget of $100 a day, I would've spent all my money and not given myself enough time to learn the system from my own experience.
Not saying what you're asking is a bad idea, but if you think about it, if somebody can make that much for themselves they're probably a busy person as it is and have enough on their plate. Why wouldn't they just make this money for themselves? Some important factors are keywords, nobody is going to give you their top secret converting keywords to make you $20K a month. So it's going to be kind of hard to ask somebody to help you out like this, asking for this type of information is like asking for your bank account information.
Some other basic stuff that I noticed in your "keyword grouping" post was that yeah you have 30K keywords, but all those keywords are based on phones and carriers, you don't have any keywords for the songs themselves or artist names. Maybe you do have these keywords but didn't mention them. Even with these keywords, if you're new I would still advice to start out small for the learning experience.
It's also not just that your PPC campaign isnt optimized, there could be a bunch of different variables such as your landing page, ad copy, your offer, all these make a huge difference, is somebody going to go through all this and advice you what you should do? Like I said, if somebody is going to go through all this trouble and all this testing is absolutely necessary, why not just do it themselves? Instead of making you $20K for the first month and then that's it. Might as well do it themselves and continue making that money.