Financial Audit's Biggest Piece Of Sh*t

24 Jul 2026 · 1 h 42 min · 39 chapters

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In short

Financial Audit confronts Rico Suave (24, Austin, TX) about alleged fraud and misuse of government benefits while he claims he’s “bum-maxing” and not taking responsibility. The episode also covers his job history, debt/spending, and explicit accounts of paying for sex via escort platforms.

Guests (and backgrounds)

  1. Rico Suave (main guest): Austin-based; previously worked as a remote salesperson (fired after “inappropriate comments” to HR) and is currently described as a leasing consultant but not showing up. Claims he receives food stamps and other assistance; says he’s been on food stamps ~3 months.
  2. Valeria (HR head, brought in on-mic): Confirms the termination reasons; describes the misconduct as workplace harassment.
  3. Caleb Hammer (host): Runs the “Financial Audit” segment and interrogates Rico’s finances and benefit use.

Key claims

  • Rico says he gets $300/month in food stamps and also receives subsidized housing (rent ~$500 due to income-based housing).
  • He admits trying to obtain “hot meals” meant for homeless people by searching online and following meal-truck maps.
  • He claims he’s unemployed at times, yet describes income (~$3,000/month) from leasing work.
  • He admits paying for sex frequently (about $1,600/month) and says he was banned from Venmo after refunding a payment he says wasn’t “him.”

Notable examples

  • HR termination story: Rico flirted with HR, made comments about her dress/attractiveness, attempted a “twirl,” and used sexual/party language; also allegedly logged fake sales dials (“ring and hang up” to count calls).
  • Venmo: refunding a sex payment, then being banned after an investigation.
  • Escort platform browsing: “Private”/“Private Delights” discussed; he references raw sex and recent testing timing.

Written by AI. May contain mistakes. Listen to the episode to check what was said.

Chapters

Tap a time to open that second in VO

Conversation about Rico's Life Choices

0:30 to 1:42

Explore Rico's controversial life choices and financial decisions.

“So, um, getting money from the government.”

Conversation about Rico's Life Choices

2:26 to 4:27

Explore Rico's controversial life choices and financial decisions.

“You know, if you want to get them like a little gift or something.”

Discussion on Employment and Income

4:28 to 6:43

Delve into Rico's employment history and his current financial situation.

“Same thing with your - Who gets fired from Tesla working on the f***ing line?”

Rico's Inappropriate Comments to HR

6:44 to 14:01

Hear about Rico's experience with HR and the consequences of his comments.

“Believe it or not, from the show, more so the bully.”

Introduction of Valeria and Context of Termination

14:01 to 14:28

Valeria, the head of HR, is introduced as they discuss a guest's termination from his job.

“Me having a lunch and working with sales?”

Inappropriate Workplace Comments

14:28 to 16:39

The guest shares inappropriate comments made to HR, highlighting issues of workplace behavior.

“Honestly, I found her kind of attractive.”

Further Explaining His Job and Termination

16:39 to 17:50

The guest elaborates on his job performance and the reasons leading to his termination.

“Well, that and I mean, I wasn't making shit for the company.”

Flirting and Inappropriate Humor in the Workplace

17:50 to 21:34

A discussion about the guest's flirting habits and inappropriate jokes made at work.

“Stretching the light, trying to get on this fatso over here.”

Current Employment as a Leasing Consultant

21:34 to 22:34

The guest shares details of his current job as a leasing consultant and his income.

“Basically, they just show a bunch of apartments to random people.”

Discussion on Food Stamps and Personal Finances

24:00 to 28:00

A heated discussion about the guest's use of food stamps and personal financial choices.

“You suck with money, so you download a budgeting app.”
Show all 39 chapters

The Cost of Living in Austin

28:00 to 29:10

Discussion on the high cost of living in Austin and food assistance programs.

“And we all know how expensive Austin is.”

Meal Resources for the Homeless

29:10 to 30:45

Exploration of how individuals access meals intended for the homeless.

“You just look up, I'm homeless, need food.”

Government Assistance and Personal Responsibility

30:45 to 32:55

Debate on government assistance programs and personal accountability.

“And then they have like an automatic map.”

Travel and Living Expenses

32:55 to 34:24

Conversation about travels, living conditions, and the impact on finances.

“I went to Miami like two or three times.”

The World of Paid Companionship

34:24 to 42:22

Insights into the experiences and costs associated with hiring escorts.

“We're not having conversations about my life.”

Unfiltered Conversations and Revelations

42:32 to 44:36

A candid discussion unfolds covering various personal anecdotes and experiences.

“He's going to be paying for a problem later.”

Financial Struggles and Social Commentary

44:37 to 44:47

The hosts delve into financial challenges and societal issues with humor and sarcasm.

Financial Struggles and Social Commentary

44:54 to 46:38

The hosts delve into financial challenges and societal issues with humor and sarcasm.

“So if someone could tell me what I could do to bum next, so I don't have to pay my bills anymore and I could just have sponsor me, please just let me know because I'm done trying.”

Bumaxing and Life Choices

48:15 to 55:14

Engaging dialogue about unconventional life choices and strategies to navigate finances.

“Can we make sure he's in the system so he never gets benefits?”

Final Thoughts on Financial Scores

55:15 to 56:03

A humorous exchange on financial awareness and self-assessment.

“Listen, but I, look, I'm not a gay man, but I can also tell from a societal standard, yes, besides your personality and you taking people without their consent, you are a societal level, attractive physique person.”

Assessing Financial Scores

56:03 to 56:47

The hosts discuss personal financial scores and their implications.

“And you got to know your audience, Caleb.”

Exploring Job Preferences and Financial Struggles

57:16 to 58:39

Discussion centers on job preferences and the challenges faced in current employment.

“I was trying to type boobs in the calculator.”

Debt Management and Financial Habits

58:39 to 1:02:36

Hosts and guests discuss the implications of debt and personal financial habits.

“one, then you're never going to be able to use anything again.”

Health and Medication Discussions

1:02:36 to 1:07:11

Conversation shifts to health, medication use, and their effects.

“No, a lot of people, we have lots of testimonies from people in the audience who have converted them into six-figure jobs and raises and advancements in their career.”

Health and Medication Discussions

1:07:15 to 1:07:40

Conversation shifts to health, medication use, and their effects.

“Oh, dude, I take like, that's the thing about it.”

Job Applications and Rejections

1:07:40 to 1:10:00

Discussion on job applications and the challenges of job seeking.

“But then you got the 20-day relaxation where you come off it.”

Health Concerns and Job Applications

1:10:00 to 1:10:42

Discussion around health metrics and job rejections.

“That's probably the most health care I got all year.”

Job Applications and Rejections

1:10:42 to 1:11:41

Discussion on job applications and the challenges of job seeking.

“Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com.”

Job Applications and Rejections

1:11:48 to 1:12:28

Discussion on job applications and the challenges of job seeking.

“And you already know that by making your coffee at home and investing the rest.”

Dating and Financial Decisions

1:12:29 to 1:13:48

Discussion about dating experiences and the financial implications.

“If someone offers me$200 to f***, I know they have AIDS.”

Personal Finance and Debt Management

1:13:49 to 1:16:35

In-depth conversation on personal loans and the risks of debt.

“That's just why I'm going to start my old fans' career.”

The Consequences of Financial Behavior

1:16:36 to 1:20:24

Dialogue on bankruptcy and changing financial behaviors.

“because I did this very same path myself.”

Humor and Personal Stories

1:20:25 to 1:24:00

Light-hearted anecdotes and commentary on personal experiences.

“Obviously, I don't care about trans or gay people.”

Discussing Debt and Financial Decisions

1:24:00 to 1:25:12

Learn about managing debt and the importance of financial decisions.

“I will try to, but, like, I don't want to.”

Story of a Fight and Its Consequences

1:25:12 to 1:26:24

Hear a story about a physical altercation and its unexpected aftermath.

“Buddy, there is a chance here for a better life.”

Health Scare and Medical Treatment

1:26:24 to 1:27:46

Discover the challenges of seeking medical help and health issues.

“And then I went to the woods like to recollect myself or whatever.”

Gun Incident with a Neighbor

1:28:16 to 1:31:08

Explore a tense situation involving a neighbor and gun violence.

“And then, you know, I didn't stop talking to him.”

Racism and Social Commentary

1:31:08 to 1:35:15

Engage in a discussion about race and social behavior.

“They took, like, all respect Austin PD, but Jesus Christ.”

Lighthearted Banter and Final Thoughts

1:35:15 to 1:37:25

Enjoy playful banter and reflections on prior discussions.

“Say in the end, we're in front of a black guy.”
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Transcript

Automatic transcript. May contain errors.

0:28This episode is brought to you by Google Chrome. What are you doing? So, um, getting money from the government. But you have a job that doesn't make sense. How are you getting money from the government? I lie. Sometimes, like, I'll take a lot of Adderall and I'll like myself off, and like, I'll lose so much weight from doing that, and it's fucked. What? Wait, how often are you at least like twice a week. Dude, this is very illegal. I don't give a. Okay, so why were you banned from Venmo then, after having sex with this. I ended up just refunding it, saying it wasn't me. I just like go homeless maxing when I get blackout drunk.

1:02It's kind of fun. That's just called being a loser, dude. This is real money. You know what I mean? I'm not sure I can say that in a word, but you've been running out of your shit. What the fuck? Merry Christmas in July. I'm in a giving mood, even for you naughty ones. Budget, debt, investing, real estate, all of it. 50 % off right now. Not sure where you stand? My new and improved Hammer Quiz does the dirty work for you. Two minutes and you'll know exactly how naughty or nice your finances look. Plus, next steps based on your score. Take the quiz, then take advantage of 50 % off and finally fix your finances for good.

1:42Rico Suave, 24, Austin, Texas. This is Financial Audit. Quick and easy. Well done. Rico, thanks for coming in. You know, the internet, love-hate relationship with the Rico Suave. me personally more of just a hate relationship with Dorigo Suave. You fucking... Your mother didn't feel that last night, I'll be honest with you. There's no hate relationship with me and your mom, I'll tell you that. Let's just say there was a little bit of back return there too with the taxes. You're into boomers? Of course I am. They're the greatest generation. Isn't that what they say? I think they call the greatest generation the greatest generation.

2:18I think they call your mom the greatest generation. I might be your dad now, I'm not going to lie. Is that how it works? I'm your dad and as your dad I'm going to punish you you've been very mean to our precious Togi okay I was nice to Togi Togi doesn't know who you are little bro okay okay let's give it a second okay quiet time out time out time out time thank you I'm giving you time go so you're so mean to Togi he sat in this little seat while you ran and with that here's the recap of the last episode of Rico Suave Well, I got fired, so they have a company card which you use for the guests. Oh, dude.

3:00You know, if you want to get them like a little gift or something. But in my case, the gift was to me, and it was chicken nuggets. Do you still have that credit card? Did you give it back? Allegedly, the company card is still on my iPhone still. Allegedly. F*** off. You're a piece of f***. We know that you have paid women, and still do, for intercourse. I wish. No, we know that because you've told us that. Your weird rebuttal to it because you don't know what to say is that women pay you for sex, meaning that you just said you're a pro. I mean, if you think about it, I am a pro. If you think about it, you want to know why, Caleb?

3:40Because I exchanged my time for money, just like any prostitute would. You have no money. I have your bank accounts. Shut up. You're never getting my contact. I'm a professional. I never want to interact with you again after this. We'll talk about it. Don't worry. We will not. You know? This will not be discussed. You don't know that. You don't know that. I do. I have control of my life. Whatever. Whatever. Okay, so what did I do to your precious togi? You will never know who you are. You scream like a lunch lady, like lesbian. Like, you spend$1.5 million on blah, blah, blah. You don't even give this guy health care.

4:13I scream like a lunch lady to every guest ever, including you last year. What do you think happens? That's the show. You should just tell your mom's scream to me last night. I'm not going to lie. You got one bit, huh? You got one bit. I don't think she'd f*** someone that got fired from Tesla. Look, well, I guess her standards are pretty low. Same thing with your - Who gets fired from Tesla working on the f***ing line? Look - What's wrong with you? You're pathetic. We got our challenges here, okay? But I'll tell you what. The challenges of working for you, I saw the wage sign of$7.25 an hour or whatever the hell that is.

4:45$7.25 an hour? By the bathroom. No. Where the f*** is that? Oh, my God. Out there? Yeah,$7.25? The thing you have to have. Here, insert the picture now from our hallway. The thing you legally have to have that says, if you are being paid lower than this, report it because you're being paid under the federal minimum wage. Yes, you have to have that in your business. Dude, I don't get this guy. Okay, get this guy. Okay, this guy pays his employees$7.25 an hour. What? It's like, hey, I want to go get a pizza. I want a little schnitzel, okay? But then this guy over here gives you scrap metal for your breakfast, and then he tells you you can't go spend, you know, 15 bucks at Taco Bell.

5:21I'm sorry, but is this not 2026? I mean, Jesus. I mean, I thought gentrification came to us, and apparently it hasn't came to you yet. Let's get some on the upper echelon here, okay, man? What are you doing? I guess that cookbook isn't doing too well, but I'll tell you what. You're already cooked. The cookbook's free. The cookbook is free? Makes sense. Rico, what do you do for a living? Jobs don't matter, okay? Okay, well, they actually do in order to pay even at$7.25. Okay, do you see this cup here? Your little sponsor? In fact, I actually met the guy at the bar that is affiliated with this company.

5:54You see what this is? Well, I'm affiliated with that company. Some people look at this as like it holds liquid, right? And that's the people inside your little company over here, what they call Hammer Media. Well, I'm going to hammer it to the ground with this little analogy. They want to leave, man. They only want to escape, you know? Nothing stays inside of a container. It only wants to go. Go home, right? And I want to go home, too. Where's home? Austin. Well, you are home then, so your analogy makes no sense. Where are you trying to get to, Rico? I guess I did not realize I was on the Grammar Nasty show.

6:27Okay, Jesus Christ. It's not the Grammar Nasty. You're making an analogy for your life, and then you concluded it with you're trying to get home, but your home is here. Are you like a music composition major or some shit? Yes, I'm a major at 30 when I haven't been in college in 18 years. 31, sorry. When I haven't been in college in nine years. Yes, that's my major. Okay. Were you like bullied as a kid? Because I could see it a little bit. I was unfortunately. Unfortunately? Believe it or not, from the show, more so the bully. The bully. Yes. That makes sense, you know? I've changed my ways. Now it's just bully for financial reasons.

7:01You know what's funny? I think we've all seen the story before, people of the financial audit world. Anytime there's a big bully, there's a little one inside, right? You know? And so you just got to poke the bear a little bit. There's a little bully inside my big bully ass. Yeah, yeah. You dress behind those 5 '4 club clothes, whatever. It's made well. What's the issue? What is that? I don't know. Clothing brand. It's fine. You look like you're Moroccan or something. Moroccans are attractive. They're okay. You're like Native American, right? Yeah, 25 %-ish. What is it, like Cherokee? So how do you make your money, buddy?

7:37Because that's what I need to know going into financial order. I appreciate you trying to be the host. Welcome back to Rico Audit Today we're interviewing Buddy I need to know how you pay your bills I need to know anything that's going on Listen you had a leasing consultant job just last week Yeah So because we don't allow people to come on who don't have a job Now you would be more of an exception Because this is a follow up so I want to see where you are But less than that you had a job When we were talking to you about coming on the show And you lost it right before coming here You had that last week It's the middle of this week What the f*** happened Rico Suave Did you steal money on their credit card like you did last time?

8:14Okay, I'm trying to bum-max right now here, okay? Mr. Hammer, whatever your middle name. What's your middle name? Joshua. Joshua Hammer. Well, guess what? I don't know if there's a book on Joshua in the Bible, but if it's anything like Noah's Ark, it's about a, you know, and you're going to need a ship for this one, baby, because you're going to need something to save you, okay? I'm trying to bum-max, baby, okay? I'm taking federal - For a half a week? Half a month, at least. It was last week you had this job, buddy. I never got fired from it. Did you just leave then? I never got fired from it.

8:44Did you just leave then? I don't think I did. So right now you're on payroll and you're not showing up and you will be fired soon. Maybe. That's it. Okay, so you'll probably get another paycheck. What are you getting from this job currently? $1 ,400 every two weeks. There you go. Okay, well, you know, for you. For me, it's not bad. For me. That's what I'm saying. What do you make? Call 3 ,000 hours a month. A lot more than you. You see this guy? He's like walking up in here with his little Moroccan get-do. The rest of the employees here are like begging for lunch, you know? I see it. They get a lunch stipend.

9:18I saw Mr. Club Penguin over here digging behind the trash bag. He's pointing at Brandon. Looking for spare scraps of pizza. That's because he's fat of our show, Fat and Fatter. So, yes. Fat and Fatter. What is this? Dumber and Dumber? What are we talking about here? Jesus. Good one. Man. I can see why I would never fit into this place. So when's the last time you showed up to a shift? Well, like you were never offered. I never was offered because they discriminate. That's the only problem here. They discriminate. Against, not legally, but kind of. All right. Somebody, somebody like you. Somebody, oh man, you wish, you wish.

9:54He chugged a beer before filming. No guest has ever done that before. Okay, let me ask you this. Like this guy is a half glass empty type of person. You know, actually I saw this in the comment section the other day. In fact, you probably saw this too. Caleb Hammer's the type of guy to show up to a house party and bring his own six-pack and not share with the rest of people. He would just look at you kind of weird. I don't drink. You don't drink? No. Why don't you drink? One, I don't like the taste. You don't like the taste? That's mostly it. Yeah. Okay. You like the taste of lying and being deceptive and being evil?

10:27What if I lied about? What am I evil about? What if I lied about? How can you tell me you're not an alcoholic with that voice you got? With the what? The voice you got. The little voice you got. That's an alcoholic voice? You spent$15 on breakfast, you evil peasants. Sort of like a cartoon voice and an alcoholic voice. I was like, I saw like a big Scott. Honestly, I was watching by. So what's my evil? If you're going to call me evil, what's evil? Your face. Okay, Rico. I've seen, you know, like this. You're not the best at this. Lindsay Lohan here. I love Lindsay Lohan. We love her here. Okay, let me finish here, okay?

11:00Okay, and I don't need any squealing from you, from the guy that looks like the jack-in-the-box emblem or whatever. The first thing is here, she showed me your little Netflix portal. Your little Netflix portal. It's all his face. This guy's ego complex is bigger than hitters. Is he talking about Hammer Elite? Hammer Elite, your little app. Or YouTube membership, wherever you choose to be. A nice little plug in there. That's where Fat and Fatter is. It's a fan favorite. I was already thinking in my head before you said it. But anyways, so your little app. Well, I'm fatter. I'm fat and fatter, yes.

11:35Fat and fatter. You should get on the Ozempic Ozempic. But anyways, here it is. The little app over here, like, has this entire face is, like, plastered over this entire thing. I mean, like. They know what Hammer and Elite is. They watch the show. You don't have to sell it to them. You got to diversify. I appreciate it. But you were saying bum maxing, even though you're kind of making a job, even though you will be fired from that job soon. What is bum maxing? Bum maxing is the art of, like, not really giving a f*** anymore. You just, like, take it. Well, that's not good because this show is about giving a fuck.

12:01Have you read the book? The book, Art Not Giving a Fuck? Is it about like literally giving up on life? I don't think so. No, I mean, man, you say I'm giving up on life. I mean, God, nice Apple Watch. How many calories have you burned besides plugging in to charge that thing? Well, today it's pretty early in the morning, so not much. Yeah, it is. Yeah, yeah. That's the other thing. They made me wake up at like 930. You think Bum Maxer is like waking up this early? No, so you probably shouldn't be a Bum Maxer. I should be a Bum Maxer. I mean, God damn. My Oura Ring has my fitness activity at 81 as my overall score out of 100.

12:32Because I'm relatively, I like being active after work. But here's the thing. I eat like shit. That's my problem. You can't outwork a bad diet. Oh, don't worry. That's right. I will never touch you. You're hands. Okay. You can touch these hands once they give me a little punch in the face there. God, I could give you a couple of shiners right there. They're going to make a shine in part two after I'm done with you. That's what I'm going to say. Anyways, your little app sucks. No, bum maxing. Stay on topic. I don't care. Yes, Hammer Elite. Great, great, great. It's awesome. Check it out. Buddy, bum maxing.

13:05What are you doing? So I'm getting money from the government. It's been like three. No, no, no. But you have a job that doesn't make sense. How are you getting money from the government? I lie.

13:17You're saying that on camera. Okay. What have you lied about? What are you getting, Rico? So the government, I got fired from my last job, unfortunately. I'm confused. Okay. What? Okay. Because you're, okay. He was fired from his last job a few months ago, but you're currently at the job where you're making$3 ,000 a month, right? Basically, yeah. Okay. What was the job you were fired from, Rico? I was a remote salesperson. Oh my goodness. That's what we talked about you potentially doing. I know. And you're fired? Why? Look, it takes two to tango, okay? In this economy, you're a little$15. You can't afford a$15.

13:51I want to afford my$15 lunch, baby, okay? It was a$28 lunch is what we complained about. $28 lunch, excuse me. Yeah, sure. Two to tango, but what does you having a lunch have to do with sales? Sales? Me having a lunch and working with sales? I'm not sure what you're asking. Why'd you get fired? I made a couple inappropriate statements to HR. Pause. Let's bring in Valeria. All right, ladies and gentlemen, welcome off camera, but on the mic, our head of HR, Valeria. So where we just handed off, he got fired from a job two months ago. I asked why. He said he made a couple inappropriate comments to HR.

14:27I immediately paused to bring you in so that he can say what he said to HR while HR is in the room. What did you possibly say to your HR? Honestly, I found her kind of attractive. I'm not going to lie. So the first thing I kind of said to her was like, oh, you look kind of good today. And she's like, oh, thank you. And I'm a people person, okay? So like I like to get to know somebody, okay? Like you're wearing the f***ing Italian flag. Oh, you're Italian, right? He's also an alleged waver. So be aware. Okay. Alleged. Let's do some. How about you allegedly get some more time and a half for your employees?

15:03They're working double time for you. Man. Anyways, speaking of double time, look at your waistline. Goddamn. Anyways, I was talking to her and I was like, yo, I love your dress. Do you wear that often? And she started giving me this weird shoulder shrug. I didn't know that mentally. So pause there. Pause there. Okay. He does that to you at the workplace. Well, even without him doing all of that and giving me more information, just as he was describing the story, his body language, and even some gestures here, I'm like, what is going on? What is going on? What do you got, some psychoanalysts here?

15:38You're not even friendly with me like that, but I'm already feeling like, okay, it's starting to border inappropriate. Continue your story. So what happened next? So basically, I was like, okay, like, do you wear that dress often? And she's like, no. I'm like, man, I really like to see you wear that more often, right? And then I tried to give her a little twirl, a little f***. No, you did not. Do a little twirl for me, right? And then she wouldn't do it. And then I was like, oh, I'm sorry. Like, I go on f***ing 6th Street every f***ing weekend. And I'm like, yo, chica bonita, suavecita, come over here, mamacita, right?

16:13And I'm like, that's not in the workplace. I know women are treated with respect, but sorry, Rico can't flirt a little bit. We should be able to look at a little porn at work. I'm sorry. Jesus, over the camera, over the phone. Come on, we like to bring it home. Have you heard of harassment? I haven't heard of that word ever. That's why everything's alleged currently. Allegedly. I love that word. Don't get there. What was the reason for termination harassment? Well, that and I mean, I wasn't making shit for the company. I was basically bum maxing. That's where this all started, by the way. So essentially, all I had to do was make like 80 dials.

16:48And I would just like ring the phone. And then I'd just hang up before like anything could like actually take place. And then I would just log it as a call. And then they found out about that, not to mention the inappropriate gestures. And honestly. Oh, there's more. There's so much more. Please tell us now. I was on the basically phone with my coworkers. And they like read your email. You what? They like read your email. You were what with coworkers? On my phone with the coworkers, right? Like FaceTiming on the laptop or whatever. And I'm just talking mad shit. I'm talking conspiracies, all this shit.

17:23And I'm going to entertain. I'm like the showboat man of this company, right? Oh, my God. Yeah, that's what they employ. No, but some people don't know when you're joking. And what else did you joke about? I joked about Alex Jones. I joked about they make the frogs gay, right? And I was just like. How long did you last in this job? Were you fired day one? I think it lasted like seven, eight months I think Six, seven months Go f*** yourself I'm like the youngest guy in here Dude, no, Mark I'm 24 You see, they discriminate against us We need more Gen Z in here Not how discrimination works Oh, I forgot We got the expert here Did you not hear what this guy said to Papa Sito over here.

18:14He was stretching this guy. He's working double time. My main Mexican over here. Stretching the light, trying to get on this fatso over here. He's like, oh, I'd like to see you stretch more. What kind of sexual harassment are we working through right now? I mean, God damn. That is true. That is true. Put in the clip. Oh, I like seeing you stretch. No response. Shit. Okay, clip was put in. Mark, feel free to speak. You better spank his ass. Speaking of that mic real quick, you could let the audience know how you feel about that. Wait, Brandon said that to me? No, it's when you were stretching here.

18:51I was like, I can see you stretch, boy. This has never happened before. Yeah, yeah, he sounds like a victim. When you were turning, I was like, I can see you stretch, boy. Oh, that's what I missed. Yeah, yeah, yeah. I couldn't hear him. That is true. He did not respond to it, even though he was right in front of me. That happens sometimes. Let the audience know how you feel about this. All right. Okay. And there it is. Okay. Well, I'm glad that he - No harassment, nothing. Okay. So apparently it's only sexual harassment if you're handsome. Okay. I thought it was all the way around. I thought it was more like - Mark is handsome, first of all.

19:25I'm sorry, but I thought if you're ugly, you're going to be sent to the goddamn Tuggy. You know what I mean? Like, you're going to be sent to jail, right? So if it's handsome, it's not a crime. I actually - Okay. What else did you do? I mean, I talked about conspiracies. I flirted with a bunch of girls. I went on this like really weird drug rant with this random guy from Louisiana I was trying to sell and so he talked about how like he was doing I didn't even catch that a client he was talking to he was talking to clients about drugs yeah wow yes and what were you selling yes again how did you last our seven eight months yo I'm not gonna lie a lot of it was just mental exertion like just like the show where they beat you down or whatever were you selling No, no, no.

20:08How did they keep you around for seven to eight months? How did they? I have no idea. I think it's because I'm good looking. What were you selling, Rico? Advertising, basically. So no reason to talk about drugs. Dude, you got to get to know the client, baby. And I told you this the first time. Hey, have you ever done? Yeah, I've done it. Yeah, of course. No, I was saying that. Oh, that was. Oh, oh, oh. I'm just practicing. I'm just practicing for the client, okay? I thought we were doing a social experiment. Jesus Christ. He sexually harassed a Mexican, okay? Jesus. He did not. That's incredible.

20:40He did not. Human resources. You're like the human resource. Oh, my God. Come on. Let's get this figured out. Let's get this figured out. Wow. So, Valeria. You're fired from the show. I don't have that authority, but. You've got this authority. What are you doing here? Valeria. Oh, my God. Would we have fired him if he worked here with these? Yes, on day one. I feel like this would have come out on day one. Just another diversity hire getting sent off the pipe. Red flags. I think we all agreed, yes, he would be fired, but I brought her in to confirm you got fired for valid reasons, even though we all agree that yes.

21:12Yeah, yeah, yeah. Okay. Thank you, Valeria. Thank you, chat. W is Valeria. Thank you. Thank you. Thank you. Okay. So, okay. You were fired for valid reasons. Now, what are you - Valid, Val, Valeria. Okay. I see a little spiff over here. Continue. Okay. So what do you do now? What's your current job? I'm unemployed. No, no, no. You said you have a job where you're making 3 ,000 hours a month. Oh, yeah. I'm a leasing consultant. My bad. Yes. leasing consultant. I don't remember. My bad. That you have a job? What's a leasing consultant? Basically, they just show a bunch of apartments to random people.

21:46You do. Yeah. So you're not going to have that job for long. You don't know that. Well, no, because you're not showing up to the job. But we'll put that as your income for now, Rico. So bum-exing, you said you're getting money from the government. That is obviously concerning. What the f*** is that? So you just got to... Honestly, the government, they're so slow at shit. They don't even know that. I'm technically employed right now. Except for when it comes to you owning taxes to them, yes, they're very slow. I don't remember that being recalled, but I do remember bum-maxing as a credible source of tax evasion.

22:19Stop looking at the camera. Look at me. What are we looking at? You were looking over there. Just look at me. Buddy, what are you getting from the government? Food stamps. Why? Why possibly? Poppy has to make some f***ed carne asada tacos once in a while, okay? I don't know what you're eating. Why was going out to eat 30 % of your spending then? I have no idea. I just like to go out. What the f***? I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different.

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23:51You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com. That is pdsdebt.com. slash hammer, pdsdebt.com slash hammer. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage.

24:24Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com. Link in the description below. Look, look, as a society, ladies and gentlemen, the people that got angry at me for saying, there's actually no fraud.

24:58It's just a conspiracy. You're just trying to hurt minorities and poor people. He is a minority. He is a poor person. Why his own choices and actions? Why the are we funding people like this? If he can get food stamps, what the when there's someone with even a slight amount of intelligence, like imagine what they could do. What the we do? How much are you getting food stamps? 300 bucks a month. I'm gonna absolutely Wow, this country's We're almost at 250, we're not gonna make it Well, it's better than your psycho military Veterans that go in Shut up, you're not the guy to talk about that You are a scammer If I'm a military veteran Why are you doing like Trump jesters Yeah, well no, I'm sorry, you're the one that's trying to get All these Fox News tidbits on Like, oh, we're employing these people?

25:43Were you trying to get a Fox News invite or something Employing these people? Yeah, oh, this little Trump No, yeah, no. What are you saying? What are you saying? Anyways, I don't you're doing Trump motions But then you like play your body like a gay guy. You'll you you wish I was gay Anyways, this is this is my dress signal right here. This is the you got three chances hammer Okay, and I'm gonna tell you what you got one. What you got one. Oh, what? Until until I'm gonna punch you. I'm gonna punch you in the face. I've a button now If I press it, he comes in here with a gun. Oh, nice. Let me guess.

26:17Your boyfriend? I mean, goddamn. Nice job. Oh, my goodness. You're impossible to have a conversation with. Where's that little, like, powder or whatever? Your little, like, gamer subs. Your little, like, you threw that on a poor guy. Yeah. Right here. Here we go. Oh, you get a free thing of gamer subs. I'm not throwing it at you. Let me see. I want to hit our whiff. Making your energy drinks at home. Oh, God. That way, it is 40 cents a serving of my 10 % discount code. Gamer subs. Link in the description below. Get your free samples. It's free packets mailed directly to you with my code Caleb.

26:45Figure out what flavor you like, then get this, and you make it home. It's 25 cents a serving. It's like making your coffee at home. No more stopping in and getting some bullshit. There you go, Rico. You should call it Good God. I don't trust you. Dragon Fruit Punch? Oh, Jesus Christ. Ooh, yummy. Please don't open it now, Rico. Oh, my God. Come on. What have we got here? Peptides, steroids, illegal Chinese food. How long have you been getting food stamps, Rico? I've been getting it for like three months. This is for you. Just don't open it now. Oh, okay. Three months, but you got fired two months ago.

27:09How have you been on food stamps? What were you making in the sales job? Like, you know, 13. I mean, I was making$2 ,000 a month just on the salary. Yeah. What do we do? Do you get anything else in the government? Well, I'm being told you're being, you have tried to get the hot meals that are delivered to homeless people. I do. Yeah, I do. What? Yeah, because I'm hungry. Okay. You already have food stamps. I saw. And you go out there for 30 % of your spending. I saw. I saw the. Try to stay here, Rico. Try to stay in this conversation. Okay. Okay. Okay. Okay. Let me, I'm sorry. Okay. Actually, what did you see?

27:41I'm just speaking up for your employees. Okay. What did you see? Yeah. They were with me. They were with me. We were standing in line waiting for bread because this. No, it's impossible. Bro. They get a$50 a month stipend. $50 a month stipend? A$15 a day stipend. $15 a day stipend. And you're up here bitching about a$28 a month. Oh my God. And we all know how expensive Austin is. So these. You don't have to go out to eat for a meal. These guys are having to spend an extra$8. You know how much food you spend with$8 if you invest in the S &P 500 and you're 57 years old? First of all, there's five people in this room, four of them make over six figures a year.

28:17Sorry for the one that doesn't. You'll get there someday. Keep leveling up, Mark. I love you. You got this. Keep leveling up. Yeah, come on. Just let him put his legs on your back. So they're fine, plus their$50 month stipend. So obviously, shut the f*** up. But if you're trying to take meals that the homeless people are getting, well, we're giving you$300 a month in food stamps, which by the way, with the H &B meal plan and everything that we have made, mathematically figured out. You can get three meals a day, meal prepped, snacks, drinks, and desserts. And desserts? $300 a month. I think your mom is going to count for dessert.

28:49I'll be honest with you. I hope you're impossible. God damn. Your mom was impossible too. She showed me this move or she lays it in my bag. Let's try. I want to see if you're creative enough to come up with anything that doesn't involve my mom or fat. Okay. All right. Okay. Let's see if you're creative enough. So avoid those for a second. That's all you've been able to say for 20 minutes. Why and how often are you trying to get the hot meals that are meant for homeless people? Every day. No. How does this work? Tell me. Basically, you go on Google. You just look up, I'm homeless, need food. And then - You're not homeless, are you?

29:20Not yet. But I will be soon. We'll find out. We'll find out. I mean, we got Hammer Media. You are - Dude, you got more square footage. You got more square footage than the UFC White House lawn, okay? Dude, you're obsessed with the president. What is going on? Yeah. No, you're obsessed with the president. I mean, dude, if anyone's looking for a Fox News tribute over here, it's your ass. Dude, I've called into Fox multiple times, okay? You've called into Fox. Oh, my God. Last weekend. Yeah. It was one of them. I bet. Well, let me guess. You're just like, yeah, these people spend$28 a month on lunch, and they're lazy.

29:53No, but it actually hasn't been about that, and I'm happy to call in. Some of us aren't millionaires, Caleb. I got here by working the past few years, buddy. Thank you. Working a few years and hiring Mexicans to do all the hard work. I'm sorry that everyone in Austin is Mexican. Aren't we sick of this shit? Us Mexicans, including myself included, even Lindsay Lohan, Lindsay Rodriguez over here. She's not Mexican. She's black. She is Mexican to me. Okay, she's an honorary Mexican. Buddy. And I would call into CNBC, CNN if they would have me, but only Fox has called. Let me guess. You'd probably come in your stores if you had Kevin O 'Leary call you, wouldn't you?

30:27I'm sure you're into the AI data centers, aren't you? Into? I'm not invested. You would probably like... Rico, stay on subject, buddy. So you go online, you try to get these meals. Basically, yeah. What does that look like? You Google, I'm homeless, help, even though you're not. Go on. And I say, I'm looking for food. And then they have like an automatic map. It's called Meals on Wheels or some shit. And then you just go follow the truck. But you are taking from people that actually need shit. You are taking from the resources. I need food. The food stamp resources. You can make$3 ,000 a month.

30:58You are taking from this... Okay. is there anywhere else you take? Where else do I take? I mean, I got this shit from Texas. It was like the women Medicare or some shit. What? I don't know how the f*** that worked out. So Greg Abbott, what the f*** are we doing? Thank you, Greg Abbott. Honestly, I'm not going to lie. I f***ing love Greg Abbott. He's f***ing amazing. Yeah, he's giving you f***ing women Medicare shit. What is that? What happened? So basically, like, you know, I applied for it and I tried getting cash assistance. What was it? It's basically like Texas women healthcare. care. I got like a pink card and it has like a health insurance number on it.

31:33So, I mean, I haven't used it yet, but I'll be willing to give you all my free tampons. Looks like you can use it, to be honest with you. There you go. That's a new burn. You like that? You like that? Oh, that's what it is. It's okay. Yeah, we have it here. He qualified for the free health care. His health insurance card is under the Texas Healthy Women's Fund. What the f*** is this? What the f***? This is pathetic. This is f***ing amazing. People like me need help, Caleb. You are getting actually all the help. You're not the one that need help. Oh, yeah, here we go. You're in income-based housing thanks to my insane property taxes in Austin, Texas.

32:10So you're being funded for housing as well. You're only paying$500 a month in rent because we're subsidizing you. That's crazy. How long have you been in this income-subsidized housing even though you shouldn't be? You pathetic one. I'm four months in actually. Actually, yeah. I mean, maybe you could have, I mean, if he gave me a job, I wouldn't be in this situation. I mean, God, I mean, it's on you. You obviously know that's never going to happen. You just met the HR person. It's on you, baby. It's on you, baby. I'll tell you that. Okay, no personal responsibility as usual, Rico. No one surprised.

32:37Okay. Okay. This is what confuses me, though. I'm not mistaken. I mean, I would never talk to you in my life off camera, of course. But I was getting updates. Did you, like, move to Miami or, like, San Diego and shit after our last filming? What happened to you since then? Yeah. What did you do? Oh, my God. I went to Miami like two or three times. You just went to visit. Oh, no. I went far by myself. Then I don't care. It was amazing. But you moved somewhere, I thought. I moved somewhere? Didn't you move to like San Diego? No, I want to. I want to. I want to move to San Diego. You left Austin for a long period of time.

33:12Okay. No, I was told. Don't tell Greg Abbott that because then. Oh, because you don't qualify. So this is like, oh, we have to keep that secret or else you don't qualify anymore. That's the issue. Where did you move? Come on. Where were you? Tell me. All right, I was in San Diego. That's what I said. How long were you there? You couldn't afford to live there. I'm sure California even gave you better benefits than for Texas. It's easier to bum max out in California. Of course it is. I basically just slept at a hostel. Hey, every provider in California that's paying an additional 13 % in taxes, this is where it's going, by the way.

33:45Maybe you should move to here. Beautiful Austin, Texas. How's it going with Austin, bro? Where we still give him some money for some reason. Dude, I thought they say the red states are bad. No, it's f***ing, this is like the f***ing final frontier. It's f***ing easy to get government assistance here. I mean, you told your last trip to San Diego, according to you, was magical. Why? Magical? I mean, I had sex with a p***er there. I'm not going to lie. Okay, so f***ing allegations, stealing from the government, and having sex with p***ers. What the f*** is wrong? Use the app called Private? I f***ing love that s***.

34:16Yeah. It's an app. It's an app. It's an app. It's a website. It's anything you want. European-based, too.

34:25So don't tell Caleb's wife. Wait, are you married? We're not having conversations about my life. Private Delights isn't a thing. Go on Google. Type in Private Delights. Oh my goodness. So, okay. So you were just... It was fun. Which got your Venmo band. It did. How? How'd they know? How'd they figure it out? After I had sexual relations without women... Well, first of all, okay, what happened? So you met up with a woman. Was she attractive? Yeah, she was cute. She was mad. Oh, I don't know if I'm paying for sex with someone who's not even, like, smoking. But either way, okay. I think she was, like, a border hopper.

35:02Where'd you meet up? She was a border hopper. I just met her over her apartment or something like that, yeah. And you went in. What happened? I mean, basically, what happened? Give me the story. Here's the funny part. No, give me the story. What happened? So I walked in there. I'm like, you know, she was super hot. I was like, hey, let's, like, you know, whatever. And I'm just supposed to, like, just have sex with her for, like, 400 bucks, right? and she was so attracted to me she was so attracted to me like she we used to use some strippers like pretend right maybe for people like you but no I'm sure I'm sure I mean relatively I mean you're not a bad looking dude you just are very unfortunately usually turn on but the thing is like yeah she may have been attracted to you but she's not going to give you more god we should talk to your employees about what else you say around here man yeah god damn my employees yeah no your employees are scared I'm speaking out for them.

35:52We got it Mika. I'm sorry Union guys we got a union Rico. So you went in there you there we've raw No, that was Rico not two weeks ago. I did but raw no now that's what you Weeks ago. Yeah, I did. Yeah. Wait, how often are you? At least like twice a week No, you're not where are you finding them? Dude? There's like so many like there's like you there's go private and just find some near you like literally it's the easiest f***ing on the planet. I mean, like, you got 200 bucks, right? Dude, this is very illegal. It's not illegal. They might be trafficked as well, which might be immoral. I don't give a f***.

36:27I'm a f*** with legal proposition if it's okay, but also you raw dumping loads? Raw dumping loads. I love that. That's crazy. No, no, no. Are you raw dumping loads? No, because then that would not be good. But you're having sex with them without a condom? It happens, yeah. When's the last time you've been tested? I think it's actually been like two months, I think, two months. Okay, so why were you banned from Venmo then after having sex with this condom? So after I had sex with her, like, she, like, made me, I fucked twice. Straight up. Twice. Shaboom, shabang. Good for you. And after that, I ended up just refunding it, saying it wasn't me.

37:10And so I got it completely free. So I had sex with that woman for free. And so then afterwards, Venmo did an investigation. And they literally banned me from the app. Good. Yeah, because they thought it was fraud. How are you paying for them now? How much are you spending a month on f***s? Wait. By the way, guys, with his... Go ahead. Tell me. I'm probably at 1 ,600 maybe. That's insane. So we are funding his food stamps and rent control so he can give more money to f***s, by the way, is how this is mathematically working. It's called funding the gig worker. I know you give your little DoorDash driver probably a little spiff about your cookbook, but I actually donate to the Gigacommie, okay?

37:47We donate to you through our taxes, to be very clear. That's insane. So you're fully admitting to a legal... That's wonderful. You wish. I wish you did. Didn't you say you would support if it was legal? Log in to private... Show me. Okay. Have a little peek. Have a little peek. I didn't used to go through people's phones when we filmed with Rico the first time. and now it's a different day it's a different era there's a lot I want to go through I'm going to go through most of it on the post show in that thing called hammer elite that he was talking about are you in? what are you doing? you're like swiping shit okay why aren't you signed in?

38:27sign in yes Rico so when your job sees this and fires you I think that will be fair so your income will be zero and will probably get you on unemployment which is actually really pathetic that we would even do that and support you like that. Greg Abbott, please watch this and please, please, please, please, please. Greg, I'm going to stand up for my right. Get him off the programs. This is absolutely insane. Like that photo? It's his back. I guess that's good. Do they choose or do you book them no matter what? You just choose the city. Austin, San Diego, Miami, Oklahoma. Ooh, I like that one. Wait, are you sure?

39:03Do you book yourself? yourself? I've asked about it. I've asked about it. Well, why are you getting reviews? No, I should give you a discount sometimes. Oh, such an incredible experience with such a beautiful girl. Oh, that's reviews you did. Yeah. You're leaving reviews? Of course I am. What the f***? You know how to leave reviews for Uber driver? Made me crazy when she answered the door in her lingerie and her body is tight and fit and beautiful. Oh my gosh. There we go. There we go. This is crazy. This is good. He actually is. Yeah. I mean, this is better than your comments section. I'll tell you that.

39:34Okay, and there she is. That's what he's into, I guess. Yikes. No offense. You wish. I wish what? What do I wish, Rico? You wish you could have mamacitas like that. No. No, it's not. No, I don't. Okay. Doesn't that look good? Isn't that something you want to be doing? Yeah, dude. This is crazy, man. No. No, because this feels like a quick way to like AIDS. No way. I'll find out when I get tested. You call yourself Drake. Here it is. Here's his email and phone number bleeped out. But hey, my name is Drake. Just trying to look for a gal. Hope you like my body pics. Good death. Yeah, you like the body pics?

40:15I take ashwagandha. Honestly, I'm trying to get to your messages, but I don't know how the site. No, you message them like on your phone or whatever. So like you just, you basically like submit like a request to get screened and then you tag your phone number, your email, and then you reach out to them. What is FBSM? I don't know what that is. Okay, I'm just going to do Escort, right? Because that's... Okay. This is crazy. Oh, my gosh. Oh, bleep those. Those are actual tits. Oh, yeah. We got some Russian prozies over there. Aren't you afraid of them being trafficked in a moral? Like, that's why I want...

40:52I talk to these women, and they say that they're completely fine with it. Brother, you think that's true? Some of them got saved from Ukraine. They were like, oh, yeah. Saved by who, and now what are they paying to make sure it continues? It's a handjob or a hand grenade, you know? Handjob or hand grenade, I'm not going to lie. So it's up to them. Brother, this is crazy. I bet you've messaged this one. Let's see. Let me see. Have you messaged this one? She's the attractive one on there. Oh, no, she's expensive. I think she's like$600. Fuck. How do you know? How much is that? How much is it? He does know the number.

41:27He knew the number. That's her f***ing number. Yeah, she's expensive. You can get a handjob for$200 to make a hot Russian woman. And if they like you, they'll let you make out with them. Wait, that's it? Just handjobs? I thought it was the f***. Well, that too. But$200, handjob,$300. But you're not going to get a hotter woman, per se. For sex? Yeah. You can't pay$1 ,000? $1 ,000 is too much. I mean, unless you're having a Russian orgy, then okay. But I'm not dropping that type of thing. Okay, he just added one today. A burst pipe. A dead water heater. The AC calling it quits. Who do you call? HomeServe is an easy way to handle unexpected home repairs.

42:10With plans covering stuff basic homeowners insurance usually won't. Instead of scrambling for a contractor, you make one call to get the repair process started. Join the millions of customers who trust HomeServe right now. Go to homeserve.com slash podcast for 50 % less your first year. That's homeserve.com slash podcast. Savings compared to renewal price void in Florida. No way. Yeah, he just added one on Snap. Today. He's going to be paying for a problem later. F*** me. Oh my god. Give me my phone back. No. Give me my phone back. Who's this? Oh, hopefully you're not f***ing out. Offense. It's this.

42:49You f***ing this? Yeah, she looks like it. F***, dude. He's paying for all these women. Oh, he just goes through them. There's a lot. Uh-oh, this person blocked you. Uh-oh. What did you

43:04Oh and here's one Here's one that he was meeting up with He sent all this shit She sent the address She showed up And he f***ed her He f***ed the Thick one Oh shit I remember her too So you're really just like Yeah I know That one's from Minnesota That one's from Minnesota Why'd you have sex with her? Oh she's Latina That's number one But she's Nicaraguan She was so f***ing short Bitch This is crazy shit you got going in here. Look, are you just, are you memorizing over there or what? Huh? You memorizing or what? No, I'm going through your shit. No, we'll go through more in the post show because I just saw his Instagram and oh, it's crazy.

43:42Oh, full body central massage is FBSM, I'm being told. Okay, so I don't know, man. This is kind of crazy. You're complaining about, you're on government assistance in every way whatsoever. You spend$1 ,600 a month on profit. That's, it's great. it. You should try it. I mean, Toki does the same thing. It's like, you know, you got to release that energy. You know what I mean? You got a lot of built-up anchor. Okay, so this is the weird thing is like, I wanted to know what you've been up to this last year. You're not telling me very well, but the thing is, you were posting videos and things that were weird, and so we're going to, I want to go through them now.

44:18I haven't seen it. They've talked about it. I've heard the rumors and whatnot. So I need to see what's going on. We'll play these on screen with y 'all as well. Let's take a look. Go check out my latest post. I'm getting into conspiracy tick-tock um my favorite conspiracy so far has been the lost dutchman state park one over in phoenix arizona apparently there's some lost gold over there uh we'll have to go find it we'll do a little trip together a little field trip yo how do i get used on this platform i'm trying to get sponsored by this is really hard uh this is a job i don't have any income coming in besides from food stamps, unemployment.

44:56So if someone could tell me what I could do to bum next, so I don't have to pay my bills anymore and I could just have sponsor me, please just let me know because I'm done trying. That's not funny. It's not cute. It's pathetic. And you should be ashamed. Even at 24, what's... That's like a gambling platform. Oh my... You are just the worst... You are the worst creation. We need to put you down in Minecraft. This is insane. We need to put you out of our misery in Minecraft. This is... I'm monetized on social media. That's the thing. And what pennies are you getting? Three cents. Now come the days of the king.

45:30Shut the f*** up. Hey, the three cents have been put in the S &P 500. It was S &P 500. God, yeah. Shut the f*** up. You don't know what you're talking about. And you were on unemployment too? Maybe. I hate you. I hate our system. I'm done. Cut the whole thing. Let the states run it. This is f***ing insane. Dude, man. Okay, sorry. No, no, I'm not that libertarian. Someone's raising this guy's right hand, if you know what I mean. Jesus. Jesus Christ, Caleb. Yes, it is people like you that push me. Jesus Christ, Caleb. It is people like you that push me to want to slash everything. And then I have to just bring myself back to reality.

46:00And there are good people that deserve things. But this is insane that we go through. Okay, what's the second one? Oh, great job. I'm going to invite you to. Shut the f*** up. I'm watching. Not proud of it, man. Enough to admit it. I blocked out the bar. I have no idea if I paid my$10 tab or not. Oh, shit. I'm not proud of it, man. Enough to admit it. I've been on unemployment for three months. and I'm proud of it, man. I'll admit it. I don't want to get a job. That's not... That's... It's not funny. It's not funny for you, but for me it is. Okay? Merry Christmas in July, you jolly motherfuckers.

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47:49They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz, you may be entitled to a potential recovery of over$1 ,000. Are we speaking the same? Can we make sure he's in the system so he never gets benefits? If he dies starving on the street, that's his fault and problem. I'll just use my brother's name, man.

48:22Let him learn. Oh, my. Yeah. Yeah. Just commit fraud and go to jail. That'd be wonderful. It's so easy. I'm learning from the best. You are disgusting. Who's the best? Who? Who? This show teaches you how to scam the system. Guys, this is why I'm a bum axer. Why the f*** do you want to go work anywhere, make 50 grand a year, get taxed up that ass? No goals? Bum max. So what? For what? What's the life you're trying to live? Move to Mexico. This shit's the same, but I want to bum max while I'm doing it. It's like being a jabroni, you know what I mean? It's like you smoke a little J, you go, you sing away.

48:56Yeah, but how do you afford the J? You still have to pay for it. We got to request it from the government. That's what you're... You're not going to... I don't think that's coming. You get a request, you got to be like, I didn't work. no money underneath the table, blah, blah, blah. It's a seamless system, okay? We're just on different ends on the wave. Okay, let's watch the third one. Yo, guess who just got f***ing tan mofos? I did not go to sleep last night. That does not stop me from enjoying a white cloud, okay, fellas? Such a loser. I love that. We need to be on top of the f***ing world. We need to be on f***ing prednisone because we accidentally fell asleep by a tree that one night and got severe acne in my legs.

49:36But let's kill it. That was a night. Wait, wait, wait, wait. Whoa, hold on. Okay, so you're an actual pathetic loser too. No, no. You're just like out there falling asleep in a tree because you're like taking shit? I was practicing. Practicing what? Because of your ass. When I get my benefits canceled from people like him, I might have to sleep by a tree. I might have to knock on his little dory over here and I have to be like, yo, yo, yo, yo. What's up? Texas you will be shocked no you wish yeah the only guns that I got the red shirt are right here ah you are the worst look at that watch the final I'm on ashwagandha last one prostitute for like two hundred dollars and then she let me f*** her and make out with her so it was kind of a win-win she's hot anyways um hope I don't die of AIDS anyways um waiting for my uber to pick me up uh it's like four o 'clock in the f***ing morning uh anyways I want to thank the government for paying for that prostitute.

50:33Thank you, Obama. Yes, it's true. And he's fully admitting it. I didn't even see those. That's crazy. That's what bumaxing is, okay? Either you enjoy it or whatever. But I'm being told you're also gay-maxing. What the f*** is gay-maxing? I don't know. I was told you were gay-maxing. What the hell is that? I mean, I might have no... You have a lot of gay guys hitting on you. So you're trying to gay-max? Okay, you got it. What does that turn out to? So I What it basically means is you take advantage of the fact if someone's gay and then you basically get like free shit from them But you gotta like you gotta like you know, you have no more you got it you you gotta be careful Okay, so I know what's gonna not not everyone's like you.

51:18They're not just gonna you know That's the thing though. I'm scared of gay guys. I'm I don't like what they're aggressive dude I don't want to be around them, but say no stand up for yourself have some kind of Agency to say no. Well, dude, that's the thing you got to be dude. You actually have to be clear say no my dude my Neighbor, dude, he's a weirdo. So like I cuz he's gay. Yeah 100 % but he I get cigarettes from him I like cities and I was like yo, like can I get a cig? He's like sure and I'm an open person I go and talk to anybody right? I don't give a but like the moment you talk to a gay guy, they're just like, oh, you want to me?

51:58Don't you? I'm like, no. Okay. You just say no. Cause that's the thing. Then that's what I realized. Like, oh, I can just take advantage of this. Like I can just be like, but that doesn't make the gay people bad inherently. Yes. If they think you're flirting, ask Jesus. I don't know. That's, that's kind of sure from a religious perspective, but I'm just saying out in society, no one's going to most, they're likely not going to you if you say no. So just say no, make clear. Well, that's, they'll be respectful. Typically. Okay, so like this is like If they're not, they're a bad person And don't hang out with them So like this is like How much of a psychopath I am Like honestly, here's the thing If I go in and I'll be like Hi, I'm a straight guy Can I get a cigarette from you?

52:36Or can you like bring me to the airport? They're not going to want to do it After like the fourth time, right? Sure, of course And that's fair, you're using it But if you just like Kind of keep yourself like You know, closeted So you're playing it You're playing it Then you face the consequences No shit, if you are If you are They're showing a little crack thinking they're going to get in the hole. They obviously think at some point they might get in the hole. Yeah, but that's fair. I don't want them to get in the hole. No shit, I wouldn't want them to either, but I would be very clear and not take advantage of them.

53:05But I don't think gay guys are bad because of that. Yes, if you lead someone on, they think they're going to fuck you. Or you fuck them, I don't know. Well, that's the thing, though. That's like the first thing that goes in their head. Like, they're just like, fuck. What do you think gay guys do? That's just all they do. They're just, fuck. But yet you're going to get AIDS before all of them. Thomas, you're a f***ing Maxine. Freak? Goddamn. You wish you could be me. I think you're just jealous. At f***ing Maxine? Yes, you're jealous. No, I don't want those STDs. You're jealous of the fact that I have more fun than you.

53:36What do you do all day? You go sit around, like, f***ing reading. Reading is good. You don't like reading? Reading is good for the brain. Look, reading was a readumentary skill I lost back in third grade. You lost in third grade? I know how to talk to people, okay? Do you? You've been bad at this conversation so far. You go down rabbit holes like none other. Okay, so I'm also being told that you want to move to San Diego again, right? I do. So maybe that's where I'm trying to get you. I'm trying to make something productive here. Maybe that's where I'm trying to get you. And you're considering only fans maxing?

54:08Why does everything have to be maxing in order to do it? What? Oh, he has another beer. We're not going to put that on camera for monetization reasons. Yeah, why not just drink through it, buddy? Let's just drink through it. No, no, no, no. Not right now. I want you to answer the only fans maxing question. Yeah. Oh, what's up with the fans? I'm being told you're considering that to make your move to San Diego. Of course I am. Yeah. Like, after all this, like, game. But you're going to have to do some things, and men will be your subscribers. That's fine. I don't give a f***. It sounded like you gave a f*** there for a bit.

54:37Well, like, it's different. If it's, like, in person, I'm like, all right, no. No way, no way, Jose, right? No way, Jose, you're not going to get in the hole, right? But at the same time, like, if they're behind the screen, you got to know your audience, Caleb. Just like how you scavenge everybody in your little app. Yeah, your little app. You got to know your audience, right? I know a lot of guys. We provide value, and if they consider it valuable, they stick around, and most do. I know a lot of guys are going to want to see this physique, and they're going to want to see what else I got underneath, okay?

55:07I have to say this based on everyone thinking I'm a gay man, which is okay, I'm not offended by. I will say I am not a gay man. Did you just hear me say I'm not? I was preferencing. You're preferencing. You've got a preference. It's okay. Listen, but I, look, I'm not a gay man, but I can also tell from a societal standard, yes, besides your personality and you taking people without their consent, you are a societal level, attractive physique person. So you will get paid subscribers. Thank you. I appreciate the confidence boost. Here, I want to throw another idea at you. So like, here's what I'm thinking.

55:44But I'm being told you're considering trans maxing. That's an idea. So what is that? What is trans maxing? If I put on a wig and like I put on some cheat cheese or something, you know what cheat cheese are? I don't know. I'm assuming tits because you did this. I'm sure I'm going to see you in the old LF subscription. You can like dress like a girl and then like these guys are just going to pay you, right? And you got to know your audience, Caleb. And you got to know your audience, right? Just like how you got your little app or your cookbook, whatever. I'm going to be cooking with gas here. Like I'm not afraid to make money any way I need to.

56:17Okay. That's the whole point of... So what do you think your financial score is 0 to 10 today? 14? No. Okay. Are you trying to be silly? Stop. What do you think your financial score is 0 to 10 today? Come on. Probably 2. Yes. Thank you. And I'm sure it probably went down from last time because it doesn't sound like you're doing very well. It's amazing. What is? I thought this was financial audit. Your life, you can't go anywhere. I'm going to go somewhere. It's called ideas. Well, if you want to figure out your hammer financial score, take the assessment for free at CalebHammer.com. It just takes a few minutes.

56:47to see where you stand. And again, it's free. You see where you're doing well, where you're doing poorly, calebhammer.com. And if you don't want to be like a guest who ends up on the show and you want to know where your money is going, make sure to download the DollarWise budgeting app. It's a free trial. See if it works for you like it does for tens of thousands of monthly active users. And then like most of them, take the annual version because it saves almost 50 % and you get the budget-friendly meal plan signed by me mailed directly to you and the digital version of the cookbook as well. That will all go to you if you're an annual version, dollarwise.com, dollarwise.app.

57:14Link in the description below. I was trying to type boobs in the calculator. Comedian, man. What do we got here? Okay, so you definitely sound like you're open to the gayness, by the way, from everything you said. So I need to know if you're a kid. They put chemicals in the water and make the freaking fries gay. Okay, great. If I can get you to do a job, what would you actually enjoy doing? Because are you sure you're even going to enjoy sex work? Because you might have to do things you don't want to do. Because that's what a f***ing thing is. Well, I mean, I don't know. I mean, like, the only thing I wouldn't be doing, I'm not sticking anything up any hole, okay?

57:48They might want you to, though. I'm not doing that, okay? Nothing like that. But I'll dress up like a furry, you know, Mo. I might, you know, drink a little curry, like, you know, whatever. That was such a wrong thing to say, but whatever. Okay. So, listen, again, you are making$3 ,000 now, but I highly doubt you're going to be at this job for long. You lose every job, and, I mean, well, I mean, this episode exists, so good luck. luck. And then somehow you'll actually be on unemployment again. But this first thing, I have catch app stuff. I need to look at your catch app app, I'm being told. Oh, geez.

58:19Money app, Clover, Grants, Float Me, True Finance, Earn and Tilt Dave, every pay advance app. F*** me. Okay, I need to start seeing them. Start pulling them up. Start pulling it up. Do you want me to download them or what? Well, if they're your apps with balances and that's where things are. I'm not paying that shit back. What do you want me to do? If you use every single one, then you're never going to be able to use anything again. You're going to be banned from Venmo. So what? Who gives a f***? Well, how are you going to pay people at some point? Are you going to accept money at some point?

58:49Are you going to do anything? I might have to scheme Max, you know, go to the black web, get some. You must be obsessed with clavicular, right? I do like him. He's a good guy. Okay. Is he a good guy? I don't know. He's a great guy. What are you talking about? I think he's entertaining as far as I know. I think you could use a little bit of bone smashing. I'm not going to lie. Probably. I think I have to get rid of the fat first, but... Why don't you take Ozempic? Why aren't you taking Ozempic or anything? I don't like shots. Really? Yeah, I'm a little nervous. But you take shots at me. What? That was it.

59:19That was it. I need to see your balances, you pathetic moron. Give me a second. Goddamn. Have some patience. Maybe on your credit karma. If I can get you to go into credit karma, I can see that. What is that, your sponsor? No, it's a place where I can see your credit report. Oh, God. I've never seen this before in my life. Credit karma? Credit karma. All right, here we go. You want to feast your eyes and fantasize. Take a look at this credit score. You do have a credit score. Oh, my f***ing is under 500. Shit. That's not funny. This is actually really bad. I don't know what to do if you're not going to.

59:50If you don't take anything seriously, like why? I wanted to see a follow-up or else you honestly would not be allowed to be on the show right now. This is the follow-up. Exactly. That's why you're here. That's what I'm saying. I wouldn't allow you to be on like this. The first time. Let me get this little whatever the hell this thing is. A microphone. The first time I was here, I did not get a true budget plan set up. And you might not today based on their attitude. This guy claims to be the bill of the bull, right? I said that the first time I was on the show. And he didn't do shit for me, okay?

1:00:22I walked out of here with a slap in my ass saying, get out of here, kid. That's not true. Sexual assault. Where's HR, by the way? Hey, I did not touch it. Where's that? Make very clear. Okay, he's being stupid. Yeah, he touched me, and I was like, subscribe to Elz Machacho. Thank you. Did not touch you. You wish. No, I don't want to touch you. God, what's that chain for? Maybe you're into the BDSM. Does it look good? It's all right. Thank you. What's power pay? Oh, God, that's from my ab surgery. That's from when I... Ab surgery? Yeah, so they freeze my fat, and it made me get whatever. That was it.

1:01:01Okay. All right. I don't want to lean into the gay allegations. Look, stand up and lift up your shirt. Oh, my God. Let's take a look for the camera. Go back. You paid for that? Yeah. That just looks like a normal body. I'll be honest. I mean, I'm drinking a lot of cerveza. Put it down. Put it down. You got nipples. Everyone does. Put them down. Okay. What did you do there? That's a surgery. You took out a multi-thousand hour surgery for that? Yeah. There's nothing there. You want to touch my boob? Also, you have paid$551. What? You have paid$551. $551, that's not bad. No, I'm actually saying, yay, you have paid something.

1:01:43Oh, yeah, that's good. That's good. That's awesome. You got a 15.25 % interest rate for abs you can't even see. What was the actual surgery? Walk me through it because that looks like a normal body. Okay, okay, whatever. So they basically grab Mr. Ice T's freeze gun from Batman, and they freeze your fat. and you're sitting there with immense pain. You're like, ah! And it's done behind of a sketchy Walgreens. But still. Were you fat? No. I mean, I just. What was this? Because that just looks normal. You don't look like nothing happened. I don't know. It's just one of those things. I love infomercials.

1:02:15So I get scammed. And you can't say actually that we didn't help you, buddy. Course careers certification. Course careers is a f***ing nomination to the goddamn allegiance to the United States. What are you talking about? Course careers. Who the f*** is going to hire you off a f***ing certificate? Certifications are great for resume boosters. I certify as a f***ing. How about that? We know that. You are a f***ing. No, a lot of people, we have lots of testimonies from people in the audience who have converted them into six-figure jobs and raises and advancements in their career. Certifications are great, especially in technology.

1:02:49Can I get a certification to be the host of this show? Because I think you're not doing it right. I think you're bad at this. What are you doing? Thank you for your feedback. You got a little chapstick over there? I get dry lips. So do you. Look at your lips. Honestly, people, we want a real host. I mean, this guy sits there screaming at people like, I mean, I want a real host. I barely even screamed at you today. Goddamn. Yeah. Yeah. Save your lungs for your girlfriend when you get home when you scream at her for, God forbid, spending$4 extra on a potato salad or whatever. We have money. We can spend it.

1:03:23That's the point. Whatever. Okay. Let me guess. You're going to buy some f***ing American food? What do you guys even eat, by the way? You're not even American. What do you guys eat? Favorite food is sushi. Sushi. And McDonald's. McDonald's. But we can't have McDonald's, so sushi. Yeah. Sushi is not bad. Wasabi. Okay. So you've actually been making payments on this at a 15.25 percentage. Basically. that's impressive thank you that's the first company he's given me by the way because you're actually making payments which for you is a high point but you're actually making the payment now it's because you're a little employed now not making much but you are a little employed you won't be soon but then your unemployment will be paying for it listen it's only 66 bucks a month you should be able to make the payments here it's a little difficult I'm not gonna lie what well yes when you spend 1200 hours a month on property yeah but that's like essential I mean like it's like a life force Why don't you jack off?

1:04:16I don't like run solo. You know what I mean? I mean, I get it. Sex is more fun than jacking off. Yes. Why don't you jack off instead of paying for it and getting AIDS? I mean, are you trying to help me or some shit? What the hell is this? Guys, as you specifically just said. I don't know. Sometimes, like, I'll take a lot of Adderall and I'll, like, jerk myself off. And, like, I'll lose so much weight from doing that. And it's fucking. What? I'm not going to lie. Walk me through it. I guess. This is called not gay. This is goon maxing, okay? Oh my. Take a bunch of Adderallel. Take, okay, orange, I call them orange candy.

1:04:53Okay, take a bunch of orange candy and then when you take it. How much? How many milligrams? I take a hundred. I actually am getting my re-up today. Is that a lot? I've never taken, I'm being told that's a lot. Is that a startling amount? Okay, I'm being told that's a startling amount. Look, look, look at the people you hired. All of them, all of your employees seem to know about this shit. I'm not judging. I'm not judging. I'm just saying. Me either. I don't really care. So basically, I mean, I take like 100 milligrams Adderall. Oh, shit. 10 milligrams is like the normal. No, that's like a lot.

1:05:24That's like max. And you take how much? A hundred. Oh, oh, oh, then what? I mean, I'll sit there and then I'll just like, you know, look up some like videos or some shit. Maybe a little two girls, one cup. Who knows? And then like, I will like sit there. I won't finish. but I'll turn off the air conditioner. So it gets like 80 degrees in my apartment. And then I'm like good maxing. So I'm not finishing. And I do it for like five hours because you're just focused. And then I'll lose like 10 pounds of sweat. Wait, this is like an actual workout. This is a weight loss thing. This is, this is, I think you should try it.

1:05:58Wait, this is, no, no, no. You're being serious. I'm being a hundred percent. Hours jerking off. This is why I came up with the idea of doing OnlyFans. Even with a loop, how is it not just raw? I mean, dude, it's like easy. I just, I mean, just don't go too hard, you know? Like a hundred milligrams of Adderall. How's your heart not like broken at that point? Dude, I got a heart of steel, baby. Can we get our blood pressure monitor for this man? I kind of want to see it. Hey, it's Kelly Rowland. You may not know this, but I have eczema. So I get how it can steal your time. But why let eczema take over when you can talk to your doctor about EBCLIS?

1:06:32EBCLIS, Lubrikizumab LBKZ, a 250 milligram per two milliliter injection, is a prescription medicine used to treat adults and children 12 years of age and older who weigh at least 88 pounds or 40 kilograms with moderate to severe eczema. Also called atopic dermatitis that is not well controlled with prescription therapies used on the skin or topicals or who cannot use topical therapies. EBCLIS can be used with or without topical corticosteroids. Don't use if you are allergic to EBCLIS. Allergic reactions can occur that can be severe. Eye problems can occur. Tell your doctor if you have new or worsening eye problems.

1:07:03You should not receive a live vaccine when treated with EBCLIS. Before starting EBCLIS, tell your doctor if you have a parasitic infection. Paid partnership with Lilly. Respect your time. Ask your doctor about Epclus and visit epclus.com or call 1-800-LILLY-RX or 1-800-545-5979. Let's check that real quick. I'm actually getting my Adderall today. I get it every day. And you go through it too soon. Oh, dude, I take like, that's the thing about it. I only take, I have a 30-day prescription, but I take all of it in 10 days. So I have a 20-day break, so I'm good. And what's your milligram prescription?

1:07:37Two 15 milligrams a day. So 30 milligrams a day. That's already crazy, isn't it? Yeah. Yes. Dude, but you triple it. Oh, yeah. I mean, I'd take a bunch. But then you got the 20-day relaxation where you come off it. Yeah. I think that's the German side of me, if you know history. Are you on it? Right now. No, no. I'm taking it after this shit. This is you without it. So if you call me, I'm going to be doing this. And you literally jerk the peanuts? Jerk the peanuts? Yeah. Just for three hours? Dude, it's insane. Five hours. And you lose weight. We can actually do it. We should do like a video on it.

1:08:16I don't know. No. That's insane. Dude, if you guys know for a fact. Yeah, keep that arm out. If you take Adderall, like it just makes you want to like goon, right? And so like that's what happens. Well, people kind of like crazy, right? Yeah. No, that's not surprising. But I don't like that it's a weight loss thing. And I am concerned for your health. like actually listen I hate you and our society should probably not tolerate you but nope don't move that arm okay but like I am concerned for your health let's check your blood pressure blood pressure let's check your blood pressure hold still what does it say Rico just error okay I think it has to be a little down and then you need to be loose I need your arm to just be loose Reek a little Reek yeah I think that's right And then I just need your arm to be loose.

1:09:06Why do they call it an aura ring if it gives you no aura?

1:09:14Sorry. I'm already getting manhandled by this guy. It wants him to see it's selling him debt, which it shouldn't in his position. We have great personal loans at CalebHammer.com for people that can use it. Not for you. For people like me who are good with debt. Talk about a hypocrite. It's not a hypocrite. I've always been pro good debt. I'm pro credit cards. I'm pro good debt. I'm pro consolidation. I'm pro bankruptcy. Relax. Oh my God. It's funny. It's an error. Cause you're moving. Stop Rico. Oh my God. What's up? You're going to meditate. Just breathe in, breathe out. I don't want you to do it.

1:10:01128 over 86. Okay. you're fine. Look at that. That's probably the most health care I got all year. You're young and your body's healthy. Just I'm concerned with you and the amount of medications you're taking. And I will say this for what it's worth. He is applying for jobs. He's getting email notifications about the jobs. Now in the email notifications that I went through while he was taking his blood pressure, he was getting denied for dogs. Jobs including being a professional dog handler. He's being denied every job. The most basic jobs you can imagine He is being denied for. Okay. Let's try.

1:10:35Let's see. I need to collect your other ones as well. Um, on here from your credit. Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com. We have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance.

1:11:14And then to close it off for now, because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to CalebHammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below.

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1:12:25Type in code Caleb. So when's the last time you f***ed the first? two weeks ago. Jeez. How much did that cost? $200. And you f*** her? Yeah, so she let me f*** her. So basically... If someone offers me$200 to f***, I know they have AIDS. I mean... Like, there's no way that person's clean. Didn't you, like, buy your girlfriend, like, a$10 ,000 Chanel bag? Oh, for Christmas. It was like her dream. She's always wanted the bag, and I was like, I got money, so let me go. You say I'm a scally wig. I pay for these girls, too. You pay for your girlfriend. I mean, it goes both directions. I paid for my girlfriend.

1:12:53I was giving her a gift. The thing is, you're paying for sex. but you went raw? Rico, that's not good. I did not know that. At some point, you didn't know you were raw? Well, because I was supposed to just get a handjob and then she was like, I really like you. And so I started making out with her and then she's like, put it in me. And so I'm like, okay, I'll do you a favor. Do me a favor. Yeah, happy birthday, right? And then I didn't realize at the time I didn't have a condom on and I was like... How do you not know that, buddy? I'm in the moment, okay? I'm in the moment. Okay, so I have Loan Express.

1:13:28What's this? Oh, geez. That was like a... Payday loan? That's a local bank. It's only 2 % interest, but you just took it out. Yeah. 22 days ago! What did you take out$398 for? Not a huge interest, but it's stupid. I actually think I might have... No. You what? No. Say it again. You think you may have what? You took out a personal loan to... Oh, my... Dude, it's good. It's good for your health. It's like spirituality. Yeah, sex is good. Maybe you shouldn't pay for it. Beat it, bro. Yeah, sex is good. It is. I'm not anti-sex. You are anti-sex. I'm a gooner, not for five hours. I am a great gooner.

1:14:05That's just why I'm going to start my old fans' career. Actually, I don't actually gooner. This is what we use as a word. Dude, it's 80 hours a month. You borrowed this to go fuck up. Maybe. You are pathetic. Dude, they sent me. You're pathetic because, you know. You got me. You got personal loans. Like, oh, my God. Talk about rage bait. What are you talking about? I'm going to. I've been pro good debt forever. I got you, Hammer. It's time to drop the MC, okay? Because I got you right where I want you, okay? Have you ever heard the term, the nail hits the coffin? Well, guess what? You're offering personal loans on your website, but your finance base - I've always been pro that.

1:14:41What the f*** is that? What are you talking about? I've always been pro-good debt. Like, okay, this is like how much of a f***ing stupid idiot you are. Like, I want to f***ing hurt you. Like, I'm being 100 % serious. Please don't. I want to slap you and get your ass back to Cherokee land. Goddamn. Okay. I don't really take offense to anything, but I'll tell you what I'm doing right now. I'm ordering myself a lunch wrap for after filming because I can afford it. You can't because you're poor and you don't budget your money. Maybe if you go on download favor, that's like the HGB delivery app. You get a two for one special.

1:15:14Just like how I did last week. Dude, you're getting denied from every job that you're applying for. Do your current employees even know you're applying for jobs? You're pathetic. You suck. Shut the f*** up. F*** you.

1:15:25$398 out on that's what you bought for a pro. Because you're a f***ing freak. That is crazy. Whatever. Sick. Good response. Affirm. I actually paid for the iPhone reason that. So this iPhone. I stopped paying it, by the way. Really? Why? Well, because I don't have any f***ing money. What marks is that yet? That's the problem. I don't have any f***ing money in this economy. Dude, you make money. Oh, so you must have just stopped paying because the most recent month is good. Yeah. But now is not the most recent month that's reported on here. No, it's not. It's in collections. No, current as of April.

1:16:02That's impossible. It's not in collections. No. You probably have a different thing in collections. Or it's internal collections maybe because you haven't paid for it yet. Well, I'm just going to declare bankruptcy. Honestly, that's like my real plan. I'm not going to lie. If I declare... Bankruptcy is bad though for you because you haven't changed your behavior. My credit's already... No, f***ing me. Because you haven't... I don't care about your credit. Because you haven't changed your behavior. that got you here in the first place. So you're going to be back here again. That's like, you should not use the personal loans because you would then end up with double the debt.

1:16:27It is for people. Bankruptcy is totally good. Vowed there for a reason. If you change your behavior. What makes you qualify? Talk about this shit. I've done it myself. You have done it yourself. Yes, I started this because I did this very same path myself. I don't believe you. Great, very good. I need your approval. You're like, I want to be the millennial Dave Ramsey. Yeah, I'm the blue. I decided to upload. Yes, that is how YouTube channels start. And then like, you know what? You know what's funny too? It's like you got your personal loans. Why do you do that? Buddy, I've already explained it.

1:16:52Shut the fuck up. Oh my God. You just fall back on the same thing. You need to start making the payment on this immediately or it'll go to real collections. And this is why you can actually avoid bankruptcy because you don't need it yet. Buddy, we're not even up to$4 ,000 of debt. You owe$898 on here. $898, whatever. Dude, this is shit I can just stop paying because I don't have any money. It's the minimum fee payment so far, buddy. And you do. You are applying for jobs and you'll start your OF. But your minimum fee payment so far are$210. You can do that. Can I? Yeah. I can, but I won't. You can, but you won't.

1:17:30It sounds like a maybe to me. Isn't that right? I'm not doing it. These f*** you too. Oh my God. Call him a jack in the box. That's why. Brandon. Yeah. You'll talk to him in the post show. Is his name Brandon? You can't even get your employees' names right. What? Brandon. Okay. There's a lot of collections. but is it even worth going through? I don't know. I don't know. Yeah, including like cars. Oh, God. I still owe my parents, by the way. Oh, I'm sure you do. But we have an Amazon Chase card. Now, this is an actual balance that will be difficult for you. Now, you made a minimum payment. You made it.

1:18:02Now, it's maxed out. That's why you can't spend. So, you didn't. But the moment you do, you will. Wait, what was the question? No question. What's going on with this card, though? Oh, they call it the credit card or whatever. I mean, I stopped paying that shit. So like I was. No, you just made the minimum payment. Don't stop paying for it. It'll go to collections. I don't want you to stop paying it. Don't. You can catch up so easy. Just make the$40 payment. You're good. Please. Do not not pay. Yo, can we get like, I feel like we need like, I was thinking about this yesterday. I was like thinking like we need to get like a cut scene of like it's hammer time.

1:18:34And then we get like the entire like Caleb Hammer cast. And like you guys are dressed up in like 80s track suits. So why is this credit card all the way up there to the max? Well, basically, I mean, I just needed to pay for. I mean, honestly, I'm not going to lie. It can't all be for p***. You have to spend money on other things. I know you go out to eat. I know your worst thing. I mean, I forgot what I spent it on. Amazon, looks maxing as shit. I mean, I look better than I did last time, right? I'm being told you don't like the p*** in Austin, so I know you spend money on p***. I actually made a joke about that.

1:19:05I did stand-up. You want to hear a stand-up routine? Yes. Okay, let's do it. Okay, so my parents found out p***. They were so upset at me. They were like, how can you do this to us, Rico? You're our little sunshine. And my brother looks at me. He's like, you're a disdain to this family. And I looked back at him. I was like, aren't you gay? So, yeah, that's my little stand-up routine. Okay. And then, yeah. This isn't Gil Tony, but I don't think he would like it. Dude, I'm trying to get on Gil Tony. You know Little Mozzarella? No. I signed up for Gil Tony like a month ago, and I was hanging out with this guy.

1:19:39I think you have to sign him more times. Little Mozzarella? Little Moots? You're saying things. I don't know these things. I thought you were like a millennial. I'm sorry. Probably a year, but yeah. I like to hear your hands clap. Isn't that your guys' song? Very good. So you want to get on that. And I wouldn't tell that joke. No? As someone who watches the show here and there, I wouldn't do that joke. I'm not a comedian, so I can't judge it. This is what's the problem with the left. They don't like you to make fun of other people, right? This is the problem. I'm on the left now. They stop us from speaking our minds.

1:20:11Isn't that right? Thank you. Not on the left and not on the right, buddy. What do you want? Like the middle? Yes, sir. Yeah, okay. No, I mean, I take left-wing and right-wing positions, wherever the facts are. What's like your most left-wing view? Most left-wing view? Obviously, I don't care about trans or gay people. I don't care about that shit. That's not even a view. It is. Many right-wing people don't like it. I like the anti-discrimination laws. I think those are important. Let's see. I think your employees like that one, too. Usually, yimpiism is pretty left-wing, so I'm good with that.

1:20:42What's your favorite conspiracy? I want to hear conspiracies. That's the thing is I'm not into conspiracies. You're not into conspiracies? This isn't an interview of me. I want to hear a conspiracy. What's your favorite conspiracy? Public transportation, big into public transportation. Public transportation. Stuff like that. But then I'm right-wing on it, I guess, because I want to enforce laws and fairs in order to make antisocial behavior. Not on it. Okay, so what got you to the first place? I guess I'm in disagreement. How much do you spend on... I probably spend like$300 a month. What the...

1:21:07I got a guy. I got a guy. So what is it? I've never bought... So what happens? Where do you meet this guy? It's like actually not too far from here. So I meet him in a sketchy little apartment. He drives like a shitty Harley Davidson. And I get there. I'll be like, yo, I need like, you know, give me like 60 bucks worth. He's like, sure. And I get in his place. And like, it smells like absolute shit. Like the most dingy place I've been in my life. But then he'll like scoop it up, put it in the bag. And then I'll test it out. And like, I'll just do it. You don't test it first? No, I test it out.

1:21:41No, no, no, test it for f***ed. F***ed. That's the good shit. LARPing has helped me focus my autism and my Asperger's syndrome. You're going to end up dead, man. I'm concerned for you. Actually, I watched a video yesterday before I came here. Apparently, the army has f***ed lollipops. So they used to give World War II soldiers like - Okay, stop. I don't care. No? No, of course not. I'm talking about you. You spent - How much is$300 a - Probably like three grams. I don't know. Uh-huh. Is that a lot? Is that three grams a lot? Okay, how frequently do you go through that? We confirm you do not do drugs before coming on the show.

1:22:19It's very important to us. I could probably at least do like three. I could probably do like a gram. Well, it's like shitty. So I could do all that. Honestly, I could do all that like right now. What a better dealer. Do you have one? No. No? I don't do drugs. I'm scared. You're scared to do drugs? Yes. Well, let's go to Coachella. I'll show you. I would never be near you. No, I do not need those allegations. Dude, I feel like you could use a trip of mushrooms. Some more allegations? No. I don't think so. You could use a little bit of mushrooms right now. I'm not going to lie. Okay, I'm sure. I mean, that's the thing.

1:22:50If I did, I would be amazing in my job. It would be incredible. I'd be so fucked in and I would love it. And that's the bad thing. That's the bad thing. I doubt it. I doubt it. I think you're hiding something from us. F***ing sex. F***ing sex. Whoa. I was going to say coffee. HR. Caffeine and sex are my favorite. Caffeine and sex. Okay. Delta SkyMiles gold card. What's going on with this? Oh, God. Again, you are current. No, these mofos. You had fees. Oh, God. They were going to sue me. Only once. So when I did the first show here, unfortunately, I got a call from this lady. She's like, I'm with the American Express IRS team, blah, blah, blah, blah, blah.

1:23:33Like, we don't have to fool you if you do not pay us. And I'm like, I don't got any money. And so I had to pay$500 a month. To catch up? Yeah, that makes sense. That's insane. Shit. Yeah, your fee was a return payment fee. Do you know why? You know what that means? Yeah, I didn't have any money. Exactly. You didn't have any money in your checking account, so it bounced, essentially. Like, I thought it was going to work. You did end up making a payment in the end, but you did have that fee. You should get, like, a cross on the side of your head, like, a little, like, I don't know. Okay, be in the conversation.

1:24:03You can pay off this debt. I will try to, but, like, I don't want to. I hope so. You're not that far from it. Dude, but this is so boring, though. I just want to bum max. Finances are boring. It is true. Bum maxing isn't. That sounds boring to me, though. Because I want to. Who wants to make your little Native American spinach over rice? I don't even claim the native part of it. You don't. Why not? You could get benefits from that. And that's a bum maxing. Because we get an approved tripod because my grandpa, who was like 100 % native, was a drunk alcoholic bum who left when my mom was like two.

1:24:30A lot of them are. So we don't know. Yes, a lot of natives are very alcoholic, bummy. Yeah. Like yourself. I'm not native. I'm Mexican. Mexican. That wasn't the point. So he's saying Mexicans are just terrible alcoholics. You hear that? Okay. Well, you have a blue cash everyday card as well. What's going on with this? Basically. So like that card too. I mean, that was like, I don't even know. I just basically started paying that off. It's like$21 a month. 21 bucks. See, you know, so there are some things you don't listen. Stop. I don't know if you're trying to be silly or what. Just stop. You can pay this off.

1:25:04You have the, your debt is stacking up now. What are we looking at? Like $7 ,000. That is payable. Bankruptcy is not necessary for$7 ,000. Buddy, there is a chance here for a better life. And they can get you down to San Diego. Not La Jolla, but down to San Diego. You should actually, can you come to San Diego with me? With you? No. Please, please, please. Come on. Let's go to San Diego. I want to go to Pacific Beach, bro. I loved it over there. That's great. Go. I'm not going with you. Dude, I'm like telling you, like your little New York City thing, everyone knew that wasn't going to work out.

1:25:35Charging, charging. Where are you going to, what's your plan, Caleb? Let's talk about you now, okay? Enough about me. Let's talk about you. No, actually, just enough about you. Even more. Let's go straight, Diego. So you have interest being accrued. You're making your payments. It's at a low 6 % interest rate, and I'm glad you're not purchasing. Now, I know there's a purchasing account here. Now, one medical. What's happening with one medical? $400. Oh, from a friend. No, a friend punched you. Wait, what? Oh, and then you crashed. Oh, you crashed out and fell asleep with the ones that got poisoned.

1:26:04What the? No, this He's a piece of shit So like He got mad at me Like me and him Were doing like And like I'm not sure what I said to him But like He started punching me in the face So like I got a little mark In my tooth here Thank god Rico knows How to fight So like I ended up pinning him down And actually holding him I actually know jujitsu By the way If you guys didn't know that I actually know jujitsu So I ended up pinging him I was like What the fuck are you doing Holmes Like Get out of here So he started doing that And he kept trying to punch me in the face So like I just ended up leaving, right?

1:26:37And then I went to the woods like to recollect myself or whatever. And then like I got a bunch of poison ivy on me. And that was the funny part because like that did more damage than the tooth thing over here. So what happened? You had to go to the hospital? No, I didn't go. I'm not a bitch. Well, why do you? No, no. You owed one medical. No, but my mom. My mom was like, mijo, you should go to the hospital. Look at your leg. And I was like. So like I End up having to like you know find a doctor But like this country's bullshit So like the only way I could think of finding A doctor without having to spend$2 ,000 on an Ambulance ride is to go No I mean You had poison ivy You weren't shot I felt like I was shot Caleb Emotionally Emotionally I was So what did you do I got prescribed prednisone and apparently that's just a stimulant if you guys didn't know so that got a steroid right yeah it's a steroid but it gets you like wired so like i felt like i was on adderall and then if you remember what i did on adderall introducing meta glasses hey meta any last minute tables for two tonight sure there's a great italian restaurant 15 minutes away Hey Meta, where's the nearest flower shop?

1:28:00Five minutes away, straight down Broadway, past the bodega. Their lilies are trending on Instagram. Just saying. Hey Meta, am I forgetting anything else? How about setting a calendar reminder for next year? Meta glasses, available in more than 20 styles. So what happened? Anyways, no, that was it. I just got like prescribed or whatever. And then, you know, I didn't stop talking to him. I was like, yeah, I don't want to talk to that guy. Now, speaking of you being shot and speaking of your gay neighbor, why did your neighbor pull a gun on you? Oh, God. No, so, like, he thought I was, like, talking to this girl.

1:28:33And, like, to quote Chud the Builder, like, no offense, but, like, they were kind of chimping out on me a little bit. So I'm not going to lie. Like, this guy, I was, like, talking to this girl at, like, 2 a.m. I was like, hey, can I hit your vape? She's like, sure. Pause. You know him. You love him. Tyler.

1:28:54Back again. Back again. How are we doing this, Tom? All right. So go ahead, start the story from the top. So this guy was kind of chipping out at me. I'm not going to lie. So basically, I was talking to this dude, and like, you get it, right? So this guy, a little more caramel skin, to be honest with you. But I was talking to this girl, and I was like, getting your vape out of my apartment. And she's like, sure. And I'm like being sweet. Like, she's Latina. Like, it's my type, right? But then she's like warning me about her boyfriend. And I'm like, why does she keep telling me about her boyfriend?

1:29:25I ask her, does he beat you? And she's like, yeah. And I'm like, okay. Out of nowhere, this guy is like, who are you talking to? And I'm like, what the f***? Do you make monkey noises? Do it again? You know? I can't believe it. That was, it's closer to the Native American sound. But basically, I mean, I was like, what the f***? So like I'm, I'm calling him cool and collected, right? I'm like this guy. Anyways, so I'm talking to him. He's like, did you get my girl's number? And I was like, no. He's like, give me your phone. And I was like, okay. And so I'm showing him my phone. I'm sitting there.

1:29:59I can't hear vape. And she's like, whoa, whoa. And like the girl keeps screaming at me and him, her boyfriend. And I looked at her and this is what got me up. I was like, can you please be quiet? I was like 1950s husband. Like, can you please be quiet? And like this guy, oh, hell no. And so he pulls the gun. He's like, you better get out of here, bro. And so he pulls a gun at me and so I started running away a hop a fence Like I'm already drunk. I was drunk and I was like, oh shit. So I'm like, this is not a joke So I'm running I hopped the fence like a good Mexican. I look back in the sky like you put a run out of hand I'm not sure I can say the n-word, but you've been running out you nigga.

1:30:35And so they are my Jesus I'm quoting I'm quoting here. Okay. Well, and you said he was chimping out you a little bit. Yeah, I'll see my buddy You're saying that and the N-word not looking good. Look, he called me it. I didn't call him it. But, I mean, I'm just saying. But I jumped over the fence, and then I looked back over. He's just like, you better run out of your d***. And so, like, I just started running again. I'm like, Jesus f***ing Christ. And so, I called the f***ing Austin PD. Oh, my God. Jesus Christ. They took, like, all respect Austin PD, but Jesus Christ. Like, let's get the, you know, let's get some situationship here, okay?

1:31:15And so as soon as I leave and cops pick me up, they're like, okay, we're going to try to find him. They escort me back to my apartment. They find this guy an hour later at like 4 a.m. And this dude's in handcuffs. He has like this death look on him with a hood. It's like. And I'm like, bro, that's him. That's him. He's going to kill him when he gets out. Bro, they even sent me a letter. They're like, hey, fill out this information. We'll let you know when he's back out. So like, I mean. Rico's fucked. Dude. We skip it past the party. Ask for permission. That said nigga anyway. Yeah, that was bad.

1:31:51What the f*** is we talking about? That was bad. You could say that. I mean, I don't know what the f***. You could say that? You could say n***. I mean. What the f***? As long as you don't. What is up with these niggas getting comfortable saying it around me? They are. What is happening? We did not tell them. We are on a streak. What is going on? That's Gen Z. I mean. Is it? It is. I mean, your guys' generation, the millennials here. Right one year. Damn. I'm a zillennial. You're a zillennial. I want to be. But anyways, you could say it as long as you're not calling somebody. Is that true, Tyler?

1:32:19No, it ain't true. I mean, you can say it to come from your home. You know what I'm saying? You can say that all you want to. Well, this is my home. I will be honest. I had a racist thought the other day. Just a racist thought, not action. What's the thought? I rented a nice hotel for my grandparents, my brother, my parents. They all had their own rooms. It was great. It was wonderful. We wanted to go back to the pool one day, and we couldn't really use it because there was a group of black people. Oh, shit. Hit them, hit them, hit them. They separated a little, and they each had their own boom box, let's say, and playing different kinds of music.

1:33:05and we tried to get in the pool and both groups were shouting at each other in very fun ways, in friendly ways, but very loudly. Yeah. And we couldn't hear each other and their kids were splashing us and it was the first time I felt racist in a bit. Well, what was the thought? What did you think? I was thinking I didn't like these people because they were annoying the pool. Like, what the f***? We just wanted to enjoy, like I rarely get to see my family. We wanted to enjoy it. And they were literally like, did they own the place? Like why? But they were actually like, they own the place. Like no one else was able to exist there.

1:33:45They were taking up 5 % of the place. I wouldn't recommend Carbondale Cruise Lines to us. If you know, you know. They were taking up 27 % of the space, but make it up 80 % of the noise. Dude, that's hilarious. That's whatever the number is. I don't remember it because I'm not racist. Is it crazy? You're probably like the only other black guy here. I haven't seen anybody else, right? We got three. No, there's three of us. You got three? Yeah, I'm not the only one anymore. Decent ratio. The gays are dropping like flies, but. Yeah. Yeah, man. Okay, so you owe your parents$2. Unfortunately, I do. Why is that?

1:34:19Because of the car or whatever, but I'm not paying them back. I'm not paying them back. The Mazda. The Mazda 2. I call it the Batmobile. Do you have it? I do. Do you run over black people with it? No, I don't. Just making sure he's not racist. This is good. I got you. I'm on your side. What are you saying chimpin' out, bro? Exactly. They were, bro, honestly. I mean, it's like they kind of do sometimes. I'm not going to lie. Who is they kind of do? Who is they? They do, bro. Who is they? Who the is they? Explain. Who is they? The black people. They go out sometimes. They just act too much. You know what I mean?

1:34:50Or it's like, bro, like kind of like, you know what I mean? I ain't gonna lie. There are some ghetto ass niggas out there. Yes. Ghetto people suck. Yeah, yeah. White trash people suck. Yeah, yeah, that's true. I don't know. I want to use another word than ghetto, but I'll call him ghetto. Oh, yeah. I did a video ranking Mexicans, by the way. You should check it out. Okay, Rico. No one gives a f***. I hate anyone that is trashy. Yeah, yeah. Regardless of their breaks. I could agree with that. Yeah. Anyone that is trashy, that's fair. But I would not. I don't. It's just, you know. Say in the end, we're in front of a black guy.

1:35:19Yeah, yeah. I have a lot. It's a little crazy. At least it wasn't a hard R like the other guys. That is true. It's called confidence.

1:35:28You have a debt collector for$91 for a Miami Airbnb. $91. Just pay it. Just pay$91, Rico. Don't get a handjob one day. $40 you owe to a bar. A bar? I'm on it. You woke up drunk at a bar on the grass and you owe him$40. I like doing that way too much. I just go homeless maxing when I get blacked out drunk. It's kind of fun. That's just called being a loser, dude. Are you real? This is real. This is real, my s***. You know what I mean? Okay. I don't like that. I don't like that. Not allowing that shit. Do not say that to Tyler. I don't like that. So we are ending this and we're going to go into the post show because I'm not going to allow that kind of bullshit.

1:36:18What the fuck? Hey, give me some love. I have to film with an extra 20 minutes for him, but I don't know if I should go through the audience. You won't like it if I just, I don't think I do not like you don't say that to the black. Don't say that to my friend. Let's keep going. No, I don't. I won't say it. I just. Common courtesy. Tricking account, you ended with. I mean, you started with negative$18. This is pathetic. It's all Raising Cane's bullshit, bullshit, bullshit. Go in and get into bullshit. Farmers market bullshit. Genie member. P. Terry's Burgers. P. Terry's Burgers. Chipotle patrol.

1:36:49Ended his savings with negative$411. Go fuck yourself. You're not budgeting. And honestly, I hope when. You might want to wear this around Caleb just so you blend. Oh, shit. I'm so fucking funny. Okay. Okay, okay. What are you going to say? I hope when the black man gets out of prison, he shoots your ass. Go to the, you know, post show. Join Hammerly, three shows a day, premium shows every single day, six days a week. I'm going to go through his fun phone. I saw some concerning shit in his Instagram DMs, and I'm about to go through that. I can't wait. It's going to be incredible. Apologize to this man right now.

1:37:19I'm sorry for not using the hard arm. Okay, you are a piece of shit. I'll see you in the post show. What a piece of shit. Are you screenshiding so many conversations with people? Are they the people that have accused you? Maybe. They're going to be careful. out and doesn't know what's going on. This is just the message he's sending to everyone. Sex? Is this not creepy to you, bro? Not really. His entire ex-feud is Andrew Tate and clavicular. Unemployed scammer. Being called a fist is a compliment. This nigga. I just launched the brand new Hammer Elite app available on every major platform so you can watch every show anywhere you want.

1:37:55You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.

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=============================
*Chapters*
=============================
00:00 Intro
01:30 he's back and boning calebs mom!!
08:00 bro bum-maxxing??
12:55 hes taking YOUR tax money
14:25 lol ricos an actual menace
26:50 unreal that hes on food stamps and stealing from the homeless...
37:00 bros doing chargebacks on pr*stitutes LMFAAO
50:30 bro has no morales loool
01:03:48 new weight loss method (unpatched)
01:14:30 bankruptcy is NOT the solution
01:19:19 oh hes doing hard dr*gs
01:26:40 shoutout Tyler (IAmLindo)
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
*Connect with me!*
=============================
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IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

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*Want to be a guest on Financial Audit?*
=============================
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