$120,000 Of Counter-Strike Debt | Financial Audit

26:26Yeah. Why the f*** would she ever let you back in? I would never let you back in. What the f*** is... That's pathetic. $2 ,000 a month you're spending, yet you're taking$400 from her when she's the one taking care of your kid? Yeah. What is wrong with you? I'm going to make it better. Oh, great. What an answer. No, I will never allow that answer in the history of this show. Look at you. I can tell from this entire conversation so far that you are just not used to pushback, and you will just deflect to the to the moon listen the answer to anything that you are doing wrong will never be i'm gonna make it better you you know why because you haven't because you're not the answer is only in the future i'll do better no i will never accept that that is not an acceptable answer or a conversational point that i will ever accept in this conversation when I show you, hey, you are doing bad.

27:17Well, I'll just do it better. Oh, great. Great. Then just leave. Oh, you already figured it out. Good. You're just going to do better. Then what the f*** are we talking about? That is not an acceptable answer and will never be in the history of this show for anyone that plans on coming on in the future. Like, f*** you. What do you expect from that? Oh, well done. You're going to do better. Yippee. Like, what? What do you expect from me when you say that? Well, my - Where do you just want me to let off the f***ing gas? My investments were mainly in Counter-Strike, just like Bitcoin, there's going to be a bubble that it's going to go up to at one point.

27:49November popped. It's going to go skyrocket again with all these lawsuits coming back up. What lawsuits? They're getting sued from a lady in New York. Counter-Strike Steam, essentially. Hey. And so they're going to get sued. They're going through another lawsuit right now. And so it's going to cause everybody marketing over to Steam again and buying or buying skins, reselling skins for high profits, making sure everybody can grab what they can before they wipe out the inventory that they already have. Maybe. I don't know. It's an interesting hypothesis. I mean, you're just really betting a lot on that.

28:26How much do you own total? I mean, you just bought$1 ,000 on trade-ups, whatever the f*** that even is. So there's skins in the game, and you trade them up for a higher tier, and I've f***ed up completely and I bought a thousand of this. Spring starts at the Home Depot and we are bringing the heat to your backyard this season. Fire up the flavor with our wide variety of grills for under$300. Like the Next Grill 4-Burner Gas Grill that's perfect for hosting your spring cookout. Then set the scene and turn your outdoor space into the go-to spot the patio sets for every budget. Bring it this season with grills that deliver flavor and patios that set the vibe from the Home Depot.

29:08Start your spring with low prices guaranteed at The Home Depot. Exclusions apply to HomeDepot.com slash price match for details. One skin for$2.30. So there it goes like, you know,$2 ,300. And I can't even trade them up. Now I just have to hold them on until they're valued at$3 a piece to resell them. So you focus on that your entire life, but you tear your son away from his grandma. She probably wants to be in her grandson's life. And you just don't allow that. And she didn't even do anything wrong. I mean, my mom did if she didn't want to communicate with me or doesn't believe me about everything that's going on during the lawsuit.

29:46Maybe. I don't know. But also the lawsuit. Maybe she just didn't want to get involved, man. Yeah, but she wasn't. That was it. She's not taking sides. She's just like, yo, no, I don't want to listen. I don't want to hear it. This is like, you guys settle this. You figure it out. That's not unfair. Yeah. I mean, she sided with him. She still sees him in a family. Yes, she would see you too. You're the one who cut her off, dude. Yeah. She reached out. But she didn't want to reach out prior to that. It doesn't matter. She reached out. She's not. It doesn't matter. What do you mean? You said you blocked the entire family everywhere.

30:15You wouldn't know what they tried to do. That was during the thing. I blocked them all off. Exactly. So you can't say she hasn't tried to reach out. I mean. You blocked them everywhere. You blocked them away. Yeah. I mean, that's, it's going to stay like that. Why? It's just our mentality. Our mentality? Who's our? Where we come from. Who's we? My family. No, they're reaching out to you, asshole. She reached out to me once. Buddy, you blocked them everywhere. She has my Facebook. That's the only thing she has me on. And then she reached out. Asshole. Yeah. Grandmother. Grandson. It's a very good thing to have in their lives.

30:54Yeah, she, my son has his grandma from his mom. And there's another one as well. My son has a great family support system. I'm not saying he doesn't, but that is also not fair to your mom. And listen, maybe your brother was right. on the lawsuit. Maybe you were a loser and he needed to get you out. That's not unsurprising. I mean, I have an entire note in here that says you're trying to become a full-time streamer and you're honestly like surprised that you're not at this point. It sounds like you're a dude who spends all his time, money on video games, tries to stream, thinks that's going to be your career.

31:25You knock up a girl, leave. Like, of course, like it makes sense that you're probably the person I would never want to go into business with a personality like yours. I would try to get you out of the business. And listen, he settled, got you out of the business and gave you a little bit of money for it. Like, it sounds like he was probably in the right or else you wouldn't have settled. Not for that amount of money. You would have settled for a lot more or you would have gone all the way. I wanted to settle a lot more. I just didn't have enough money for more. I don't know. I don't know, man.

31:54I don't know. My lawyer at the time wanted 15 ,000 up front to keep continuing if my brother didn't settle for a certain amount of money or if we didn't settle for this. This doesn't really make sense. Like, I understand why he would want you out, and I think he actually might be right. Like, I think brother suing brother is sad. I think it is, and I think that sucks. But he figured he had to sue you to get you out because you were just willing to separate. He was buying himself toys with the business money. Okay, listen, but he's the owner. I don't care. But it's like... I mean, that's a different conversation.

32:26I would advise him not to do that. Well, yeah, but it's just like, what do you give to the other, to the partner? Nothing. Well, you should be getting a 49 % distribution, but his toys were likely business expenses and that sucks, but he is the majority owner, which means you don't really have a say in the end. That sucks. I'm not saying, yippee, he's a great guy who ran the business perfectly, but I also understand if he felt like you weren't contributing to the work, and I don't think you were with how much you play video games, I honestly feel like he was probably right that you weren't contributing what was probably deemed fair for 49 % ownership.

33:01I mean, I did a lot of work for that company. And I'm curious what he'd say. I still have my video proof of everything. I was documenting. Video proof? I was the one pretty much taking pictures, videography, editing. Of 60 hours a week? Well, every job site we worked, it's a two-man job. So it's bird proofing, cleaning solar panels. You can't do it alone. It's hard. and we got contracts all over the valley and making sure. It's difficult. I think you should try to reestablish the connection of the family, especially with the grandson. I can't. Can't? No. You objectively can. You're just being a prideful dumbass.

33:43That pride will stay. Not prideful enough to take a little less time from your video games to spend it with your kid that you're trying to get back together with his mother. Not enough for that. Not enough for anything, apparently. and yet not willing to allow the grandmother to be in his life because she was probably on the right side if we're being honest and also just didn't want to get involved which is totally fair I don't know man I think you're the villain in this arc am I? I think so well leaving a woman who's 18 and pregnant yes playing this much video games and spending that much while taking money from her instead of contributing to the kids future yes going back to sue your brother for$750 ,000 for not taking down pictures I mean that's you're just looking for a W.

34:23You're just looking for a paycheck. You clearly don't actually care about the pictures if you're going just for an insane amount of money. I'm just going with what the contract says. Yeah, but you're going for the paycheck. I understand that. And it is your brother in the end. Not allowing a reconnection with the grandmother of your son. Yeah, no, I think you're the villain. He blocked me from seeing my niece and nephew. Okay, that is very different than a grandmother and a grandson. They've been in my lives longer than my sons have been. Doesn't matter. Grandmother, grandson versus uncle situation.

34:54It is so different. And the fact that you're equating those just speaks volumes to how you even view family dynamics. I guess I just don't want my side of the family to be involved with my kid's life. That's so not fair to them when they didn't do anything wrong. Your brother, maybe. Okay, maybe. The other ones didn't. My mom wasn't very supportive of the whole situation. She wasn't trying to be involved. She was involved on his side. In what way? How would they stand? Talking to them and whatever he said, she was taking his side and she didn't. And what? Was she putting you down? She didn't want any confrontation with my brother.

35:32She didn't want me to have confrontation with my brother. And I'm like, my brother's causing it. Like, I have no way. She didn't want to get in the middle. That's not unfair. That's not her taking his side. She just didn't want to stand up. She would probably listen to you, listen to him. And just like, la, la, la. I don't care. Stop fighting. That's not just like, oh, I support him and fuck you, son. She didn't do that. That's not how you described it. She didn't want her kids to fight. That's not unfair. You cut her off for that? What is wrong with you? You cut her off because she didn't stand up to him for what you see as unjust.

36:03Yeah, but she would stand up for me. Yes, that's exactly it. She would stand up to me against him. What? You didn't say that. You didn't say that because all you keep saying is that all she would do is just like not stand up to him. That's not not saying. Our confrontations were different. And so whatever. Tell me. Give me examples. He would tell her that I was a piece of shit or didn't do something. And then she'd go up to you and say, you're a piece of shit. She would be like, well, why don't you confront him and do this? And I was like, I have. There you go. That's not her being bad to you.

36:31She's saying, hey, why don't you have that conversation? This isn't for me. And we do have that conversation. What? That's not her being bad, asshole. Her saying, hey, you have that conversation with him. I'm not the guy. That is not evil of her. What the is wrong with you and you prevent her from seeing her grandson for that? You're gross That's gross man. That is gross Come on. She didn't do anything bad. She took his side. No, you haven't given me an example Your example if she took his side is her saying hey talk to him instead of me. That's not taking his side No, she would say do this and do this.

37:08Well, I do what do what what do you mean? So text him, message him. My brother wouldn't reply. It's the same thing. My brother wouldn't reply. She's saying reach out to him. But he wouldn't reply. Doesn't matter. She's saying reach out to him. Don't talk to me. That's not unfair. She didn't want to get involved. She's saying reach out to him, not me. That's not taking his side. How do you see that as that? What is wrong with you? And then I get a text message from his, on my son's birth. I get it. From who? From his wife. Doesn't matter. That's not your mother. I know, but that's how I had to get in contact again.

37:35Doesn't matter. That's not your mother. You're punishing your mother for nothing. Well, she didn't believe me on any of it. You have not said that. The only example you have said is, hey, she said talk to him, not me. Yeah, but when I got the example of a text message and I showed her, she still didn't believe me that that's what was going on. What did she say? And don't make it up now to just make your point correct after you've been proven wrong like five times. So my in-law said that she was going to give me her. Don't give a fuck about your in-law. What did your mother say, asshole? She's like, oh, that's not them.

38:05That's not how they're treating you. specifically what she said yes okay in terms of what context of my in-law sending me a text message about hey give us all the social media uh back and we'll pay you thirty thousand dollars and i'm like why am i getting this from my brother he had he had a way to contact me and he didn't he did it through his wife and you said what to your mom and i showed her the text message and everything she's like oh that's not that's not happening that's that's not how this is i have a hard time believing that after every example you tried to give me was not that. The fact that you only held that to like the sixth time I pushed on it, that should have been the first one.

38:44I feel like you have to be making it up or else that would have been one of the first couple things he would have said. Sorry. It made no sense that you let off every single time with, well, she just said talk to him instead. This makes no sense, man. This makes no sense, and I feel like you're bullshitting me just because you were clearly in the wrong multiple times. It's all buried because I had a very hard time dealing with all this. What do you mean buried? I was having panic attacks. Sure, I'm sure you did, but why'd you keep saying the same example five times in a row? And then finally, after I called you on your shit, you're like, oh, you know what?

39:16Let me just say this instead. It's been two years buried. I wanted to forget about it, and now it's slowly coming back up. Yet you gave the same other answer five times in a row. And I wish I didn't. Just like you wish you didn't leave your kid. Yeah. Okay, so 2 ,000 hours a month going to video games. I just don't understand it, man. Have you ever played Counter-Strike? Yes. Okay. What did you think about it? Eh. Eh? Eh. You're more of a Halo guy? I guess. I don't know. This is not my type. Neither of those are really my type of game. I did play more Halo growing up. I mean, it's a first-person shooter.

39:53Yes. You get skins. Are you finding what the game is to me? I just said I played it. I know, but it's just for people out there that don't know how to play it or don't know anything of it. Okay. Not sponsored. So listen, you make good money. Why are you trying to go into, you said you want to go into car detailing? You have investors? Do they even know who they're dealing with? A piece of shit that backs out on everything and creates views and blocks people for no reason? Do they even know? I'll be honest with them and have contracts and making sure all my time and money is invested. Great, what is this?

40:30Tell me, what's happening? I want to put a car detailing business out there. I have a truck for it already. Oh, for fuck's sake. Was it purchased for this or is this you already had? This is already had. Oh, thank you. Okay. It's a 2017 Titan XD. It's lifted. It can put all the equipment in there. Sick. Okay. Continue. I just want to venture into a different kind of field of car detailing because we don't see it a lot in Arizona RV. Yeah, it sucks that you're making only 80 ,000 hours a month. And Brandon, Phoenix, Born and Raised, is that true? Is there no car detailing in Phoenix, Arizona? The fifth or sixth largest city in the country.

41:04Okay, there's a ton. No, there's a ton, but in a different tactic. Oh, the tactic is we clean at power clock wash? No, no. Okay. Yeah, wax on, wax off. But no, I want to invest into branching out. So I want to start doing RV detailing because we don't have a lot of those out there. RVs. No, there's a very... We don't have a lot of RVs. Let's get into business for that then. A lot of RV detailers. Well, it's almost like the market hasn't demanded it then. It is demanding. And there would be more RV detailers because detailing is not new. But it's hard. You're not inventing a new niche. No, it's just...

41:47It's hard? Oh, yeah. Buddy, out of all the things in this world, I think people can clean some RVs. I'm not saying I'd be good at it. No, I hear a lot of stories of people hiring somebody for like 500 bucks to detail an RV and they don't know how to wash it. They scratch up the decals on it because they don't have the right brush bristles to be able to wash that. All right, we just simply Googled RV detailing and over 50 immediately popped up in the Phoenix area. Over 50. We haven't even gone further than that, but we know it's over 50. And then I want to go into off-road vehicles. Okay, no response to that.

42:22Off-road vehicles, yes. So detailing those. and then I want to be able to, in one year time, I want to be able to branch out to Scottsdale and Deer Valley airports to start doing private jets or Cessnas. Which definitely doesn't have people already doing that. No, I don't want to get into that. Buddy, I'm sorry, man. What are we doing here? You actually have a good job and a good career. That's not something I get to say oftentimes on this show. But what the f***? Why? Why do this? I just want to do a side job. I don't really care what you want. You're already doing well. and already don't even have time to see your kid.

42:58You're spending$500 a week on CSGO that you're pumping 80 hours a week into. Like, this makes no sense. Where is this time? You're trying to get back with her, yet you're immediately doing what is going to be no time and damaging to your relationship? Make this make sense. This doesn't make sense. You want to do a thousand things at once. It's not... So good, so good, so good. Spring Styles are at Nordstrom Rack stores now, and they're up to 60 % off. Stock up and save on Rag & Bone, Madewell, Vince, All Saints, and more of your favorites. How did I not know Rack has Adidas? Why do we Rack? For the hottest deals.

43:33Just so many good brands. Join the Nordic Club to unlock exclusive discounts, shop new arrivals first, and more. Plus, buy online and pick up at your favorite Rack store for free. Great brands, great prices. That's why you Rack. And plus, you don't get to part-time this and be as successful as you think you're going to be. I think if I go back into doing a job versus gaming, I'll quit gaming altogether. You already have a job. No, no, another side job. So it'll just push me out from there. I don't think so, man. You're kind of an addict. You're spending an insane amount of money. You're an endless gamer, and you're a CSGO point and clicker.

44:10Like, buddy, you're sweaty. That shit is, I know you're addicted to that life. There's no way you're not. We're all addicted to something, but. Exactly, and you are that. I don't think all of a sudden you're going to be cleaning RVs and like, oh, I no longer have the desire. I need to pick on something that's going to get me out of something else. I'm that kind of addict. Yes, but I don't think you'll be addicted to cleaning RVs. I think if I push my mind like I did the business. Push your mind. When I started up the business, I didn't do anything else but work. You didn't start up a business 49 % owner and you got kicked out because you weren't providing enough value.

44:46Well, my brother thinks. But at one point. Who everyone seems to agree with. Except for you. Including even potentially the legal system, which is why you only got a very micro dick settlement. That's what he wanted to pay for at the end, and I didn't want to push it. But you accepted because there wasn't enough of a W on the other side if you kept going. I just didn't have funds to keep going. Right, but if you knew you were going to win a big sum of money, you would have borrowed for it. Who was I going to borrow from? Personal loans, bank, anything, credit cards. I couldn't get any of that.

45:14Yes, you could. You could get credit cards, absolutely. Not for$15 ,000. No, but you could open like$1 ,000. Dude, it's so easy these days. This is actually really bad. If budgeting apps make you feel like this is for you. Most people who struggle with budgeting aren't irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment. They're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong.

45:44So, of course, they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity and using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money is going without being judged for it? You're not alone. That's exactly what we built DollarWise. If you want a calm and clearer way to see where your money is going, try DollarWise. Download the app today and get a three-day free trial. No setup nightmare, no manual tracking, no pressure to be perfect.

46:20Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download DownloadWise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel any time. Starbucks is bullsh** and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

46:55The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at Gamer Subs.gg or click that link in the description below. Type in code Caleb. I've always gotten rejected from trying to open up another one if I did. You're probably going to other ones, buddy. You could totally go to like credit one. I'm not saying do, but if you were so confident that you were going to win, you could have put enough money together with a potentially different lawyer that would accept an ongoing retainer of a couple thousand hours at a time instead of 15 ,000 hours up front.

47:29That wouldn't make sense. I wish I had better advice when I was doing this, but I didn't. I was pushed into a corner. That's what I felt like. Can I just be honest? Yeah. Not like I haven't been, but I mean, your finances are probably. That's why they're on the show. And this is what we're about to look into. And I feel like I've achieved enough of the baseline understanding of you to get into it. But the reality is here, just be a good guy. A few things. Give up your pride. It's a sin in every religion for a reason. All religions agreed. They don't agree on much. They all agreed on that one. No killing, no pride.

48:06Okay. Some of the big ones. so give up the pride reconnect with your family not necessarily saying brother but at least you know maybe like you will accept his existence but even still just go be in your kid's life whether or not you're with her stop taking money from them for your video games and continue your career for the sake of your kid's life and pay off your debt there you go I would just do that be a good guy that's it you're set up already You do not need to do all the shit that you're trying to do. This makes no sense. No sense. See, this is sad. This is what you need to give up. I mean, I've had feuds here and there.

48:49Even the people I hate the most, I wouldn't wish this. Colton says, Chuck says, if he got a phone call tomorrow saying his brother had died, he doesn't think he'd care. No. That's horrible. I think I buried, I already buried him in my mind. That's insane, man. Yeah. it's it's a lawsuit he didn't fucking kill your son or something he didn't even wish the day my and that sucks maybe he's not the best person but be the better person yeah and I no you're not in no way are you he like cut everything out like my niece and nephew were in my life quite a bit buddy you blocked them all and moved the what are you saying you did that shit I did but I was I was forced in a corner and I didn't know.

49:36I'm going to try to call his brother in the post show. Buddy, listen. What do you think your financial score is? Zero to ten. Zero being the absolute worst. Ten being the absolute best. What? It's a 588. I'll tell you right away. It's shit. 588. I said zero to ten. I know. Yeah. You said what your credit score is and that's where I'm in. I said your financial score is zero. Maybe if you actually listened instead of trying to answer. It's a zero to ten. Zero being the worst. Ten being the best. where do you think your finances are? Two. If you want the score and you actually want to get like a real answer instead of just jumping to conclusions, take the assessment at CalebHammer.com.

50:13It is free. It just takes a few minutes to see where you stand in the world of money. Where you're doing poorly, where you're doing great, what you need to do to improve. It is awesome. Check it out. Like literally over 100 ,000 people have. See where you stand in the world of money. And make sure, if you don't want to be like this guy, download the DownloadWise budgeting app. It is absolutely incredible. There's a free trial to see if you even like it. It is actually simple, easy. getting on board and actually immediately seeing where your money is going like that. Unlike those other stupid, complicated budgeting apps that have honestly fucked the market, in my opinion, made it too complicated for the normal person to budget.

50:43Check it out, dollarwise.com. Sign up for the annual version if you like it because it saves you 50 % and you will get my personal monthly meal plan. You can meal plan on a daily, weekly, monthly basis. It is incredible, even including drinks and desserts and everything. I will sign that and mail it directly to you. It is awesome. Check it out, dollarwise.com. Let's get into these documents, man. All right. City, Costco, anywhere. I know it ain't for diapers. No. What CS skins are on that you get at Costco? None. Steam gift cards, no? No. If they had them, I'd buy them, probably, because that's where you would save the most money.

51:18$8 ,493. What's going on with this card, dude? CS skins. So it is CS skins. What the fuck is wrong with you? How is this the play? How is this the play? It's a marketing tactic. Marketing tactic. F*** you, marketing tactic. Because I know in this conversation with Colton you were doing beforehand, when you were going over those numbers, you were like, well, this is America's fault. It's capitalism's fault. If I lived in Europe, it would be better. F*** you. This isn't America's thing. This is your personal choice. This isn't America's fault that you were in this. You can't just deflect and blame everything like you were doing on the phone call with him.

51:54What do you mean America's making you in this situation and everything would be better if you went to Europe? How? You would still be an addicted f***er that spent all the money you'd get, which would be less money over there, on CSGO. How's this America's fault? This isn't America's fault. I said that out of how it's easier to make money, inside money, over there in Europe versus in America. It's easier to make inside money? Side money. Like cash and stuff like that. In what way? You can do like neighbor chores and stuff like that. Do you neighbor chores? What do you mean? People don't have money to spend on other people.

52:31Objectively incorrect compared to any European nation besides micro city states, our disposable income, which is income after everything important, is higher in the United States than anywhere else. In Europe, except for like the micro dick states where it's like a city that completely overboosts the numbers because they don't have any rural populations bringing it down. What are you talking about? That is statistically incorrect. I guess I'm wrong if you have the... Yes, you are wrong. But we don't have a VAT tax. They do. Their VAT tax across their entire middle and lower classes to pay for their entire social welfare state, which you can advocate for if you want, dramatically makes their disposable income less.

53:05And that's fine if you want that kind of culture, but they do not have as much to spend on the, why do you think our consumer culture is so extensive compared to every other country? It is because of our culture for sure, but it's because we also have the means to do it. Even our poorest people here are fat. That's true. What do you mean? What are you saying? Where did you pull that from? You just pulled that out of your ass, man. You just pulled that out of the ass. How are you saying I could just do better in Europe? Fucking America didn't make you spend$8 ,493.53 on interest accruing credit card down on CSGO skins.

53:37It's not America's fault. Capitalism didn't do that. You did that. I did that in the mindset of - So what the fuck are we doing? How can you say your life would be better somewhere else? Grass is always greener. Europe is great in many ways, don't get me wrong. But you can't just say all of a sudden your life would be - Well, your life would be different, But not in the way that you're just advocating for. I probably wouldn't have a PC over there because it would be too expensive to afford. Yes. Your income would be dramatically lower. I just think everything in America is too easy to get to, like spending-wise.

54:08Don't. You know, you are the one that gets the swipe. Yeah, and I'm the one that's doing it. So you need the government to baby you and bring the income per capita down so you can't spend? No, it's just— You need policies in place to make sure your income is lower so you can't spend money. No, it's just that - What are you advocating for? It just makes it too easy to spend here, I guess. What are you advocating for? A policy to make it harder for you to spend? Oh, no, it's just - Then what are you saying, dude? What are you saying? Advocate for something. Have some balls. What are you saying? I'm just saying that getting this credit card and I got, and I immediately started spending money, I wish I didn't spend the money on and I ended up doing it because I thought it was a great investment for the future.

54:55Oh, you're a... Oh my... And you think that's different in Europe? I wouldn't be spending as much. Are you sure? Listen, here's the thing. I don't know if you have them. What do you think of buy now, pay laters? Do you have any of those? You know buy now, pay later? The paying for's? Oh, I have a firm. That's just dangerous too, right? Yeah, it is. Isn't it dangerous? Yeah. You know, Europe started that. That's Scandinavian countries. That's aggressively there. What do you think Klarna is? That is a European country. It's pretty much the only thing they've done besides making caps on water bottles stay attached.

55:24And they advertise the shit of that here in the States. Uh-huh. That was started there because that's in their culture. They're a less credit card culture. They don't credit card. We credit card. But they pay in four. German culture pay in four extensively forever. It was baked in their culture since almost like the beginning. They just had different versions. I didn't know that. Yeah, because you know nothing before you. This is your fix. I am your host, Stassi Schroeder. Welcome to Tell Me Lies, the official podcast. What's the most unhinged thing of season three? Steven, because he's so evil.

55:57I do think he is misunderstood. You see everyone face consequences. It's intoxicating. The writers just know how to trick you. There's always a twist in this show. Tell Me Lies, the official podcast, January 6th. And stream the new season of Tell Me Lies, January 13th, on Hulu and Hulu on Disney+. Advocate for anything like every other dumbass in this world. Buddy, you would be paying and foring your skins, just like you're putting them on credit cards here. I'm glad I never did pay and foring on skins. But if you had your way and you were in that different culture, you would, is all I'm saying.

56:31Okay, your minimum monthly pay, you only paid$2.63 last time, but your minimum right now is$539.38. $539.38 with... But then you spent$560.59. Well, interest of... Oh. That's why the minimum payment's so high. You're over the limit by$300 for fucking CSGO skins. Yeah. You're a broken individual. That's not America's fault. That's not your ex's fault. That's not your brother's fault. That's not your mother's fault. This is you. This is you cannot control yourself to save your life. This is because you're an immature little baby. No wonder you cut off your family. That's what a high school teenage daughter does when she gets upset that she can't go out and party.

57:12Just sign the treatments and blocks their own family and locks herself in a room. That's what you've done in adulthood. You're a child. Yeah, I'm a grown child, but I'm sure I'm going to make this money back. No. No, I mean, how? How are you sure? The bubble already burst in November. I'm hoping it's going to go back up. Usually takes years for bubbles. I'm hoping what's going on with the lawsuits, it's going to reformat where people are just going to panic sell and buy. Panic sell? Or panic buy and panic sell. Well, panic sell brings prices down. Yeah, but they're gradually going back up right now.

57:48Sure, but if they start panic selling, they go down. As soon as I see the next wave, I'm just going to put everything on the market. But you said the lawsuits you think are going to lead to panic selling. If they, I mean, they're going to go and panic sell. Oh, you have not thought through anything. Oh, my gosh. Why do you have opinions and expectations of things that you don't think about for more than five seconds? But I'm not even necessarily, like, I wouldn't even consider myself a necessarily intelligent person in this world. I'm kind of a f***ing. Okay, you know, I try to read as much as I can.

58:26Geopolitics, finances, business. I really do. I try to learn. But I'm a f***er. I accept that. But at least I think about something. a big grand strategy for what I'm implementing over the course of years for more than 30 seconds. Yeah, I was always told I should think before I speak. It's not thinking before you speak. I'm not saying that. For years, you are preparing for a bubble. You're saying the bubble is going to happen because these lawsuits will lead to panic selling. Panic selling means the market goes down. What the fuck is wrong with you? You have no thoughts in this world. I'm hoping to put it up before the panic selling happens.

59:02Okay, but the market hasn't recovered since the bubble has burst. It's gradually going up. Gradually going up is that the market has recovered since the bubble has burst only four months ago. What? Oh, my f***, man. Oh, my f***. What an impossible conversation. Oh, buddy, how long do you think this takes to pay off if you only do minimum payments only, which is what you do no more, and you don't purchase, which you're incapable of, and you're over maxed out? I think it's five years. Okay, it's 19 years. 19 years? Your kid who you have no interaction with likely for the rest of your life because all you do is spend time and money on CSGO will be, in fact, midway through college.

59:39Very good. Amazon. Amazon. Amazon. Bullshit. The f*** you get under an Amazon? $800 in interest. What the f*** is wrong with you? Pull up your Amazon. Let's see your Amazon. Pull up your Amazon. What is that brand even? What are you wearing? Because you really wanted to flex that brand today, double logo. which is a clothing partner that I'm with from my Twitch sponsor. You have a Twitch? Okay. Well, I guess I need to learn about that. Tell me about it. Your Twitch. Is this why you're gaming 80 hours a week? When I stream, yeah. I mean, I don't stream very often currently. How do you have a sponsorship?

1:00:18What did you make from the sponsors? Of which you are doing negative help to. I got paid out$800 in December, which was kind of nice. $800 for? Promoting their$800 for just December. They gave you$800? Yeah. Why would the company do that? Because people were clicking on the links and purchasing their clothing. So it's an affiliate or brand? It's a partner brand affiliate. No link in the description, by the way. you purchase gamer substance said better affiliate because it's 40 cents a serving through my link make your energy drinks at home like you make your coffee at home save some money get your free samples to see what flavor you like link in the description below use code caleb to get those free samples then order the flavor you like 40 cents a serving no more four dollar energy drinks at the gas station okay you got office chair chair wheels because i guess you had none of those he has new gaming monitors because your frame rate wasn't good enough.

1:01:20That was a gift. For who? A friend. He went through a crazy time and somebody broke his monitors. He got angry and broke his monitors? Not him. Somebody in his household. Okay. Micro SD card for your Switch, probably. Lots of Red Bulls. Again, that is... Use GamerSupps. First of all, everything takes better than Red Bull, but that certainly does. Use GamerSupps. It is so good. It's seriously so good. I've never tried it. We're working on our own flavor right now. Nice. Brandon, you want to go make them a little sample of our flavor? Potentially our flavor that's not 100 % known. Yeah, go make them a little sample.

1:01:59Give me a full review. All right. Do you like it strong or weak? You can make it strong. We'll do the full flavor, honest review. Yeah. I mean, it's going to be strong. You can't complain to that. It's too strong. Yeah, lots of gaming shit, gaming shit, gaming shit, gaming shit. Okay, wait. Something was in the cart. No, it wasn't. last live one month ago what are you doing if you actually were making money off of that what the f*** are you doing man i just have to prep for everything and i'd wrap i it's just a mentality thing i i have to set up the pc and ovs average viewers of 80 yeah okay it's not really a career that would be a career by now oh oh what's up oh that's why dude dude's streaming dude streams from midnight to 4 a.m yeah who's watching around the world yeah but that's probably not the best that well you got zero new subscribers even though actually with 80 concurrence you should be getting a couple new subscribers at least twitch primes like what the are we doing i don't think you're streaming at the right time dude no i'm not that's the problem and well why are you streaming from midnight to 4 a.m so since your membership is 80 usa that actually really doesn't make sense what time do you get home uh i get home around 11 11 30 from work.

1:03:29This doesn't make any sense. Oh, shit. You can't see revenue on the mobile version, can you? I don't get any, very much of revenue on there. How many subs do you have? Not much because I don't even advertise like, hey, subscribe to me or anything. I do it terribly and that's the problem that I'm having with them. This is like rough. And I just rebranded from my previous name to this and it went, you know. Dude, just a f***ing CSGO gamer knocked up an 18-year-old and left. That's really all this is. Yeah. That's all this f***ing is, man. That's all this is. What are you doing? I'm sorry, a little bit loser behavior.

1:04:11Who should... Uh, I don't even know. Really? Because that's like the one person you f***ing... Okay, you follow Onipixel, Nadeshot. You don't know who it is? It's one of the three people you follow? I think the s*** is a friend. A friend or an attractive woman you want to f*** with? No, I think it's my co-worker's fiance. And he just told me to follow. This doesn't make any sense. If you're making no money, why the f*** in August 2025 are you spending 8 ,000 hours in a single month on CSGO? Like it makes no sense. You're making nothing. I would allow you to spend what you make. I would allow you to spend what you make.

1:04:49On just Twitch. Okay? I would rather you spend more time with your kid. but you know, you didn't. Yeah, energy drink. This is our potential flavor. Yummy, pour me one. I got you one big guy. Thank you. Let me see. I made it strong.

1:05:12Quite strong. Well, no, actually, I think it's pretty nice.

1:05:20not the official flavor yet tangerine or no freak that's what i'm getting off of it like tangerine or mango cherry apple i wouldn't this one yeah i wouldn't have guess i don't know we don't know for sure might be we're testing testing what do you think you're getting very caffeinated right now as you sip oh that's It's actually pretty good. I would never put cherry and apple. I don't know anything that comes in a cherry apple. Ladies and gentlemen, we got a winner. You'll be able to taste that soon. We're going to dial it in a little bit. Okay, Apple Card. Bought a new iPhone. Not for$3 ,749.15.

1:06:06No, that was when I made the mistake of spending$2 ,000 on that one skin for 1 ,000 of them. Oh my f***, dude. Okay, what is your portfolio worth? Portfolio. It was a f***. That's right. It fully tracks it, doesn't it? I wish it did. Might need to sell these, pay off the cards, and actually be a father. You guys have the paperwork, the statements of how much I spent from Steam, right? Oh. Oh, f***. Command? Okay, these are two... Oh, f***. Buddy, just what's your value? What's your estimated value? This is five pages. Dude, just look at this. This is just one page, two page, three page. That was two pages.

1:06:48I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new DollarWise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year.

1:07:25But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33 % discount for three months. Or take the annual plan for an insane 50 % discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever, so this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial.

1:08:00Go to DollarWise.com or click those links below.

1:08:12Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon, a game-changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever. and DollarWise is about to alter the future of personal finances, we know it. Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting.

1:08:40What are we doing here? Guys, what are we doing here? What are we doing here? What is, what are we doing? Caleb, Caleb! Can you show them the new DollarWise logo? Introducing DollarWise Reimagined.

1:09:00Dollar Wise, we write your money story.

1:09:21The old Dollar Wise is dead.

1:09:33Page four, page five, page six. What a joke. Those are all just expenses on fucking, that's insane. Yeah, this is everything from Steam. What's your value? I'm hoping it's around$120 ,000. What the f***? So you're suggesting you've paid about that? Less. You're just really hoping it went up. Buddy, I don't know. This Apple Card,$161.95 a month, takes 17 years to pay off. It's almost ripe for another one. Yeah. It's outrageous, but... I'll say it's almost impregnable for you. Oh, man. So I go there. No, I did. Apple bill. Superstar car wash. Actually, you're in the desert. I'll accept it. Nitro Monthly.

1:10:20Already pre-grooming someone on Discord. And then HBO Max. I don't think you need HBO Max. HBO Max is incredible YouTube Premium, HBO Max, Apple TV and I think you've f***ed that that's like everything and Hammer Lead of course but besides that you just game all day what time do you have for HBO? I have HBO because it's the three pack Disney Plus, Hulu Plus together plan what? Not with HBO they had a subscription plan that was HBO Max, Disney Plus and Hulu at one point. Okay, why do you need any of those anyway? Disney sucks and Lulu sucks. I watch it sometimes. I'm watching it on the go while I'm here in Austin and YouTube, man.

1:11:05YouTube is everything. Is there a YouTube on there? Probably somewhere in here, but that's what I would do. I'm subscribed to you. Cancel this shit. I'm subscribed to you. Good. Then cancel this shit. I only did it because you said it was free and I still got my reimbursement. Okay, well, let's bring Christian and you can confront him. Take a look at your shit. Because you're advertising, hey, subscribe to Caleb Hammer. Did you submit your proof of purchase? And there was no way. No, you click on the link, there's nowhere to submit. Impossible. It was literally at the bottom. That's a complete lie.

1:11:36It didn't say submit. That's a complete lie. No, it just went straight to your website. Okay, so how did literally tens of thousands of other people do it and you couldn't? Because there was no submit proof of purchase. Okay, tens of other thousands of people have done it. Why could you not do it? Because it wasn't there when I clicked on the website. Yes, let's get a cushion. Where is he? Get him. He's the one who runs Hammer Elite. This is impossible. It is impossible that you are... I mean, we got a couple of customer support inquiries, but we dealt with them. Yeah, I didn't message you guys or anything.

1:12:06Was it after the promotional period ended? Was this the time in February or January? January. Or January, yeah. So you did it in February? I subscribed in January. Did you submit proof of purchase in February? That's probably when I was probably looking for after I remembered that. That was the end of the promotion was done. Are you stupid? No shit, it wouldn't be there. Well, all right. Why the hell? That is not our fault. Are you stupid? Are you actually stupid?

1:12:41I'm sorry, that's moronic. You can't complain about not being able to submit the proof of purchase outside of the promotional period. Tens of thousands of people literally did it. they were perfectly fine. How can you complain about that? When I clicked on the link, it just brought up your website. There was no way to click on it. Yes, because it was done. So it was no longer there. Okay. HammerElite.com still exists to this day. No, you can't take advantage of a promotion that is already done. What do you mean? At the time we're filming this, the cookbook's going to be done at the end of this month.

1:13:15When people go to DollarWise.com after that, it doesn't mean the cookbook should still be there. It's going to be done. It's going to be gone. Promotion's done. What do you mean? That's the dumbest thing I've ever heard in my life. Like, what the fuck am I supposed to do with that? I can't help you if you are dumb to not follow instructions. Okay. Right? Yeah. Can we at least agree on that? That is not our fault, nor our problem. I guess unless I had a cashier on your website. What? Yeah, a cashier. If you were trying to submit when the promotion was done. I'm just saying what I saw and it wasn't there because it was in February when the promotion was done I can't remember if it was in February January.

1:13:57Well, I can't see asshole. It's already done Did you reach out to support no? And you I was coming on the show so I thought I'd bring it up two months later. Oh my gosh So it doesn't reach out to support yet is complaining to be a victim submit tries to submit outside of the promotional period that is claiming to be a big... No wonder your brother tried to get you the f*** out. I want to get you the f*** out of my studio. Okay. Hundreds of dollars of interest accrued. This is so stupid. Oh, here's Affirm. We love Affirm. So you are a buy now, pay later boy. Yes, we all are. Nope. Bego on the show.

1:14:36These days, yes. It's getting more and more common. $3 ,008.77. What are you even using? What are you even getting on here? PC parts. You haven't even done. What did you get? Graphics card. Get in the game with the college-branded Venmo debit card. Wreck your team with every tap and earn up to 5 % cash back with Venmo Stash, a new rewards program from Venmo. No monthly fee, no minimum balance. Just school pride and spending power. Get in the game and sign up for the Venmo debit card at venmo.com slash college card. The Venmo MasterCard is issued by the Bancorp Bank NA. Select schools available.

1:15:16Venmo stash terms and exclusions apply at venmo.me slash stash terms. Max$100 cash back per month. What graphics card? 50-70. Ram. Isn't 50-70 Ti the one that's considered the best value for the money? I got that one for free. Why'd you buy a 50-70 then? I bought a 50-70 and then I got a 50-70 Ti for free at a store for winning a competition. Did you sell your 50-70 then? I still have it. I'm thinking about selling it. Oh, you don't have any money and you have a lot of f***ing debt. Yeah. And then I went into a PC store in the back in the dumpster and I dug through it and I found a 4060 Ti brand new in box.

1:15:57That works. So I'm trying to sell that. Sell it? I'm trying to sell that one, yeah. Okay, great. Okay, you have a child of which you take money from his mother. Sell your f***ing graphics cards, asshole. What the f*** is wrong with you? I just, I hope to never become this pathetic. I really do. I really do. $752. And also it's just like, I'm being like, I'm being rightfully mean to you yet. People will still see this. Like the weird virtual signal, virtue signalers on the internet will still see this and like Caleb's only mean to women. It's just like, no, this guy's a pathetic piece of shit and I'm calling him out.

1:16:37Not because of that, but just like, and I call people out how they are. $572.18 a month is what I'm guessing it is. if it's actually paying for. We'll see. Okay, Amazon Chase card. Well, we know you already spent on Amazon on another card, but... Nine years to pay this one off. $2 ,326.23. $136.84 is owed on here. On a monthly basis. No purchases, but interest accrued. Only made the minimum fee payment, so you're going to have this for nine years. Okay, you were late last year You had a late fee last year The shock The face of shock that every guest has When I tell them that On Amazon? On Amazon I don't know, I don't have the month I just know it happened within the previous year 2025 What were you getting on this card That you were late on Can I see it?

1:17:36I'm sorry You're not going to see anything But yes, here's a fee, that's a late fee That's the number that a late fee is on Chase cards.

1:17:46Yeah, you learned nothing. No, it's 12-12. I thought I paid it, and I looked back at my statement, and I... How did you just get that from the... You learned nothing new. No, no, I forgot that I even had a late fee, because I usually am on time on my... Okay, you weren't. Yeah, I usually am. Like, I usually don't have late fees. Okay, but you did. 27.74 % interest. hundreds of dollars of interest accruing. It's horrendous. What are we buying on this car? $2 ,326. Usually food or gas. Oh no, this was new furniture after you just left your girlfriend or your pregnant girlfriend. Bro, what the f*** are we doing?

1:18:27Can I call her in the post show too? I'm going to try to call your brother and we're definitely going to call her. That's for sure. I got to make sure she does not give back with you. Okay, Quicksilver. What's going on with this?

1:18:41How much is it? $2 ,058.12. What's going on with this? $60 minimum monthly payment. 13 years to pay off. Ah! You only made a$25 payment that you purchased$643.73 with$39.91 of interest as accruing. What is wrong with you? Why do that? You have a child and you're not even in his life. Why? What are you doing? Oh, it's all bullshit. What are you doing? What are you doing, guy? Guy, what are you doing? Spending money? I don't even know what I'm spending money on anymore. I'm glad you clarified. It was spending money. Peak intelligence across from me today. Coffee. Coffee. Make it at home. Make your energy drinks at home.

1:19:31Make your coffee at home. Get a sponsorship from coffee something. I don't know. from your no streaming that you do. And you're 80 viewers. Whatever. Golden finger. Golden finger. Chick-fil-A. Steam purchase. Steam purchase. Steam purchase. Steam purchase. Steam purchase. Holy smokes. For$151. What's that? I bought cigars. Why? You have nothing to celebrate. Your life is pathetic. It was my first time going out in a while with coworkers. And so everyone brought something. So I brought cigars. When all those Mexican trying to find another 18-year-old Hispanic McDonnell. Bam! King Donuts. Go inside, get into bullshit, get in your energy drinks.

1:20:11I know what it was. Todd Marybree. Scooter's Coffee Burger King McDonald's. Waterburger. Waterburger? What are you getting at? Waterburger? The worst burger ever made in the history of burgers. Honey from your chicken biscuit. Okay, I don't allow it except not you! F*** you, you have a kid.

1:20:33Interest accruing. That's accruing.

1:20:44Good This lady's bullshit spent is$3 ,000 in one month. Oh Hold on you bring in 4 ,000 hours a month net. Yep. That's right. It was 4075 Also a new loan hit but regardless of that how much you spent eight thousand eight hundred twenty six thousand sixty one cents Wait, if you make 4 ,000 hours and 3 ,000 hours Went to miscellaneous bullshit Oh, you're a father This is pathetic This is pathetic Oh, buddy I'm disgusted

1:21:21What is your life? What is your life? What's your rent? $1 ,250 Mix that with your miscellaneous bullshit and you already overspent your income. This makes no sense. What? What? What do you want to say? I also eat at work, so I don't make my own meals. What the f*** do you eat? Do they provide? No. You go to the cafeteria and you use your badge to pay for your meal, so they take it away. You spend 75 % of your income on misleading bullshit on a monthly basis alone. That's not even eating out. Every two weeks at work. Die. Blue cash every day. Are you trying to date anyone? No. Okay, next time you do, stop making mouth noises.

1:22:05$40 a month,$1 ,998.87 balance. Takes eight years to pay off. Spending more than you put towards it, you're literally maxed out. So stupid. Oh, Steam purchase, Amazon, Amazon, which is all gaming equipment and shit we saw. Amazon, Amazon, Amazon. Yeah, you can drink as much of that as you want. It is caffeinated, fair warning, but we'll also have the hydration drink version too. So stay tuned for that. It's going to be good. Yummy though, right? Yeah, yeah. It's really good. The first time I ever tried it too. Yeah. Everyone thinks we're like, just like, ooh, because I get an affiliate obviously.

1:22:44So I'm like, ooh, it's so good. No, it's like actually good. Everyone that tries it like is blown away. Also on one of the cards I had to put, I had to pay rent once with it. Yep. 3 ,000 hours a month on miscellaneous bullshit and skins. Fuck you. Fuck you. You have a child. Pathetic. Credit one,$57 a month. Balance, maxed out. Shocker,$46 in credit availability. $1 ,603.90 on a monthly basis. Eight years to pay off. What the f*** are we doing? You didn't see any purchases. You can't. You're maxed out. Quicksilver, what's going on?

1:23:20I just got braces. Yeah, you did. We hear it. I'm sorry. $1 ,008,$25 a month. What is this, down payment on braces? Yeah, the down payment and then$140 a month after for 14 months. Whatever happened to the clear shit that everyone's doing so you don't have to get braces? They don't. The orthodontists didn't prefer it. Well, yeah, they wanted to make money. It was more costly, too. Listen, buddy, I'll let you use the mine card. It used to be the fizz card, but it's the mine card now. It's a debit card that builds credit. It only lets you spend what's in your checking account, and that's all you're capable of because this is so.

1:23:57and stupid, stupid. Okay. Makes no sense. I mean, I can't get you a course career certification power washing or I don't know. I don't know. I'll get you one in accounting. So if you ever are successful in your business, you can do accounting. Listen, so I'll get you the free course career certification too. So we have another credit one. This is crazy. Oh, it's all skins. You're using credit? One of the worst credit cards there is in the history of the f***ing world on skins? Yeah. $134 owed, minimum payment$70.

1:24:34Paying for your credit report to understand why. Steam purchase, Steam purchase, Steam purchase, Steam purchase, Steam purchase, Steam purchase, Steam purchase, Steam purchase, Steam purchase, Steam purchase. What is wrong with you? Dude, this is insane. The interest in fees, 27.4 % interest rate. What are you f***ing doing? What in the pathetic joke excuse of a f*** you is this? This is, dude, you have a child. You have a child. You have a child. Are we forgetting that you have a f***ing child? What do you mean you're going to...

1:25:08This is insane. Yeah. How do you even go about, like, do you just see these random skins? Are you refreshing on a daily basis? What is happening? Just see what's on sale and see what's to keep and what's going up. and see from there. It's hard to pick because they're all considered NFTs at this point. You need a new hobby. Yeah. What is wrong with you? That's why I wanted to do the detailing business to get out of dating. That's not a hobby. I don't know, man. You're going to put money into that. That's why I had investors. Investors? That's moronic. Okay, how much are they willing to invest for what percentage?

1:25:49It's$12 ,500 to get all the equipment and everything and the advertising. And then I'm hoping to get them back within 90 days. What? That's a loan. That's not an investment. No, no. 90 days to get the initial loan. And then I'm... Loan? What about the investor? Well, the investor to get them back to their money back. Huh? What? They're an investor. They'd get a percentage of the company. That's a loan if they're getting their money back. Yeah. And on top of that, they'll get a percentage. I don't know how much yet. You don't know how much. You're saying you have investors, but you don't know how much.

1:26:20And they need their money back in 90 days? That's what I want to promise to them. Is that an investor? That's a... Dude, every time we dig deeper into a subject that you try to talk about, you're just a... I'm sorry. I'm so sorry. I'm so sorry. But a moron. That's insane. You're not making that money back in 90 days. Why put yourself in that level of risk? That's disgusting. That's insane. What the f*** are you doing? That's horrendous. Yeah. Yeah. Yeah. I mean, I feel like I have the mentality to do that. Your mentality. Buddy, have we not learned, if anything, in this entire conversation that your mentality is absolutely broken on every perspective you've ever had in the history of this world?

1:27:01I'm a different worker. Worker? What worker are you? F*** you, worker. I like to actually work. I don't get what? The liking doesn't work. What? This doesn't immediately provide initial return. You all of a sudden get to pay$13 ,000 back. in 90 days because you like to work. Because you like to work. What? What? That is not all of a sudden what makes money, liking it. Liking it doesn't make money. It helps. It definitely helps. It motivates you. Dude, that is not a business strategy. That is not a business plan. That is not an investment return strategy saying, I like it. I have a mentality to work.

1:27:42And when I do work, I work hard. Not really. You got kicked out of the last business you had. Oh, so I don't think so. Didn't work hard enough to stay with your baby mama. That was just me being a mentality. Yeah, your mentality. Horrendous. Destroyed. Bad person. Okay, we opened in another credit one. What did we open it for? For chat GPT. What did you chat GPT for? It does all my scripting and everything like that for my website. What? Yeah. What the f*** are you talking about? I have a website and it wrote up my code. What website? I can't say it, can I? No, what is it for? It's for my Twitch stuff.

1:28:30So instead of having a link tree. Use the free version. It does other stuff too. And so it's$20 a month. I figured it would be. Oh my goodness, you're already investing into this business. It makes no sense. Oh my gosh, this guy. Dude, this is so stupid. I'm not going to put it as a debt because it's just one purchase and you better pay it off. Oh, what is this? What is this? What did you borrow? $14 ,950 for at an 8.6447 % interest rate of death.

1:28:59What? This is the biggest loan so far and you can't tell me? Oh, that's my... I paid off all my credit cards at one point with the 403. That's not paying it off. No, I paid them off. Oh, 403B. That's what we racked up recently. And what is this? That's my 403B that I took out. Oh, so you didn't pay it off, asshole. You took out money from your retirement. Yeah. By the way, an 8.647 % interest rate. Paying myself back. You're losing 30 % of the market that we gained last year instead. Not only that, lose your job or quit your job, which I know you're considering. This is called due. Yeah. Yeah.

1:29:35And you got to liquidate with tax and fees. Okay, so I won't write that down because that gets taken before your income. Okay, Ally, 6.34 on a car? This is my truck. Yeah, I refinanced recently. Oh, yeah, you did it. Like a rate that's not crazy good or something. No, I had a better rate, and my mom said that I had to refinance because my dad was getting a lawsuit. Just cut off your mom. Where are you hearing things? Your dad was getting a lawsuit too. Very litigious family. Yeah. Yeah, okay. I understand your dad getting a lawsuit. I think that's where my spending stems from is my father. Oh, shut the f*** up.

1:30:11You victim crybaby little piece of s***. Have a little bit of personal responsibility. I'm so done with you. $352.28 on a monthly basis. You owe$14 ,902. On a car that's worth what? $20 ,000 right now? $22 ,000. And I just got hit last week. Did you deserve it? No, it was a hit and run. The lady was on her phone and she drove into the front bumper and just drove off. $598 in this checking account. Adobe subscription, Panera Bread, Barbershop, going inside getting some energy drinks, Taco Bell, bullshit. Oh, no, that actually might be groceries. When is I going to energy drink? Skins! GitHub. Oh, energy drink, energy drink.

1:30:53Oh, wait, what's W Energy? That's my sponsor. That you were spending on? 46, 48, 47? Yeah, I bought that for a couple, it was like Christmas time and I bought some clothes. Discord again. We already had Discord on another one. Double grooming, I guess. Steam purchase, Steam purchase, Amazon Steam purchase, Steam purchase, Taco Bell. Am I not entertaining enough for you? No, I got a king from Chase right now. I just overdrafted. Did you really? Yeah. For what? Car payment. Okay. Yeah, negative 41.23. Also, he could do this W purchase, Steam purchase, Steam purchase. Okay. Let me text my baby mama and see if she'll send me some money to cover my overdraft.

1:31:40I'm f***ing done. I need you to get away from me. Go take your piss. Go take your piss. I'm f***ing done. Just get the f*** out of here. What a pathetic excuse of a f***ing piece of f***ing dick. Close that door. Close that door. You hammer financial score. He can go f*** himself. I'm f***ing done. Get yours at CalebHamber.com. I'm going to call his baby mama and try to call his brother in the post show. Look at this. This is three pages of absolute bullshit spending and then he just overdrafted on it for his car payment What a pathetic joke of a man. I was gonna do his budget until that very moment So I don't want to yeah, I'm done See you guys in the post show join hammer elite.

1:32:21It's gonna be a good post show, but I need a break from this piece of dog shit Do you know me by any chance? No I wanted to get your side of the story because honestly I think your brother is a liar and I think you were probably in the right next week is the final week don't forget to download the new dollar wise budgeting app this is officially now the best budgeting app on the market and i'm giving you a special deal to download but only through march 31st take a free three-day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount and with the annual you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you after march 31st the cookbook is going away forever.

1:33:00So this is literally your last chance. Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below.