I’m Going To Get Sued For This | Financial Audit

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24:11Guess 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. dollawise.com link in the description below. I've not ruined it. Even if he actually did that which would be very wrong and I would be against him and I'd beat his ass for you you've made it so it's impossible to believe.

24:50Because you're over sensationalizers you're moral masturbators you're weirdos that have ruined our culture online in our country. I have not ruined our culture or our country. With your claim of discrimination I didn't claim it yet. On the show. Here you did. And then you said well because he was stinky and said when are you gonna want to get a massage that's how you opened when you want to get a massage when you want to get rubbed down which is weird but then you said which is bad because he's stinky I didn't say it's bad because he's stinky kind of that's how you were saying it I said anti it that's how you were kind of framing it I was trying to paint the picture okay that's how you were framing it exactly that's what I'm saying that's how I'm saying but your attitude of you being a bitch guess what you're not a victim before filming this episode why were you here at 8 a.m.

25:31this morning because you got kicked out of your hotel that we sent you to You little freak. We sent everyone to like the same few hotels. You're the first one to get kicked out. Well, they're... I don't think other people are the problem. So how are you the victim in that? How are you the victim in that? Let's hear. When you're being nice at first, you'd be like, hey, we just want to know if you can help us out because we had no hot water. We had no AC. The microwave wasn't working. Comfort suites. What? That's not where we sent you. Well, I didn't book it. What are you talking about? Okay. Okay.

26:04Okay. Okay, so you were being nice. Well, actually, the water just wasn't hot enough. It's not that it took me. No, it literally was not working. I tried it for 30 minutes. Go ahead. Continue. You are a goal pusher the moment you get any kind of pushback, but go ahead. Story changes at all times. Continue. And then he was - How are you the victim in this? Yes. Let's learn. Did we tell him what was going on? Was he stinky and gross? No, but he was rude. He immediately was like, uh-uh, no, we're not doing shit for you. We already gave you - The guy at the front desk is not saying that. Okay, he didn't say shit, but like, he still was just like, we aren't.

26:38She and this is why we can't believe anything. This, she is, this is the person on TikTok who is trying to cancel someone for like rubbing up against her in a subway. This is the person on Reddit who is trying to hold everyone accountable. This is the person that has ruined all, all things in our cancel culture bullshit. There was a correction that happened with cancel culture. and it was good because many people were not being held accountable but it went way too far with people like you who just claimed victimhood on everything. And the moment you get pushed back you have to make up shit. I better don't claim victimhood.

27:12What? That's all you've done for 22 minutes now. But sometimes, you know, I am the victim. I literally was sexually harassed and then I literally had a manager that had to get out to get me in some sort of fashion. this guy was a complete dick to you and then he actually really said nothing. No, he was f***ing rude. What? You just said he said nothing. He told me I was not allowed to talk. The story is changing all the time. I was calling him to talk to my friend because she's passive. Yes, because you were probably being crazy. Absolutely. That's a fair response. No, I just said the F word. I said we had no f***ing hot water.

27:42Oh, come on. If you're going down there like, we don't have any f***ing hot water. That's not how I said it to him. You're right. You were probably a sassy c***, but even worse. No. No shit. No shit. He was like, actually, I'm going to talk to your friend because you're being too much. Well, no. It's because he tried saying that the shower worked. It didn't work. We had no hot water. I don't believe you. You've ruined all credibility for yourself. Okay, so that's why when I went back to get my charger, they were fixing the sink or the faucet in the shower. So why the f*** did he kick you out? Because he wanted to.

28:15Because they were probably fully booked and they wanted to fit in that seat. What was his reason? Okay, I'm being told they threatened to call the police. They wouldn't threaten to call the police because you said f***. It is true. No, no, they would not say that. See, this is why I can't believe anything you say. We don't want to go get them. There's cameras in that hotel. This is why I can't believe anything you say. They would not threaten to call the police because you say, we don't have any f***ing hot water. That would not happen. In no real world would that happen. Well, I guess we're not in the real world, are we?

28:43He gave you 30 minutes to leave, threatened to call the police. This would not happen if you just said a b***h. When you need to build up your team to handle the growing chaos at work, use Indeed Sponsored Jobs. It gives your job post the boost it needs to be seen and helps reach people with the right skills, certifications, and more. Spend less time searching and more time actually interviewing candidates who check all your boxes. Listeners of this show will get a$75 sponsored job credit at Indeed.com slash podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero?

29:15This is a job for Indeed sponsored jobs. Bad word. Yeah, it is though. I said it twice. Should we call the hotel and ask? I mean, if you want. What would they say? I don't know. they probably would be confused. Well, they have weird shifts there. I don't know. I need to know exactly what hotel it was. It was Comfort Suites, Austin Airport. Austin Airport? Yeah, because we're in Austin. Yeah, this is not where we really put people. It's by the airport. Yeah, I know. This is not where we're... The hotel that you sent was expensive. Yes, but it's reimbursed. Yeah, but you have to have the money in your account to buy the ticket, which I didn't.

29:57We don't know if you guys are going to... Because you got sort of the least reliable people. You can believe. The way the least reliable people. You guys don't answer your phone. For the front desk and all other inquiries, please press 2.

30:11Good morning. Thank you for calling Comfort Suite Austin Airport. This is Tina. May I assist you? Hi, Tina. Are you working at the front desk? Yes, sir. Hi, Tina. There was an incident this morning with... They are guests on our financial audit show here in Austin. We put them up in Comfort Suites Airport. They were kicked out and threatened to call the police on them. I was wondering if you could give me more information on that since that's where we booked them.

30:39The GM was trying to explain. They were trying to get a comp night for the one they stayed the first night because they didn't have no hot water, so their shower wasn't working. We moved them. As soon as we moved them, maintenance went in to check that room that they were in. Everything was working. We did move them into a bigger suite. And so they were trying to come back or get a late checkout for tomorrow. And my GM told them that was not possible. And then her guest started talking, and he asked her to hold on because he was speaking to, I believe, the one who made the reservation. and her guest used all language towards him several times and he asked her to stop and she continued, so he asked him to leave because he did not want to.

31:30Oh, okay, so she was being disruptive? Yes, the guest of West. Okay, well, what kind of language was she using? Was she being hostile towards? She was the case. I'm not sure. I was here, but I was doing other stuff, but I know that was the altercation this morning. Okay. Is your coworker okay? It was our GM. That's your GM, okay. Yes, he is fine. Okay. Anything else we should know about this? No, sir. If you have any more questions, you can call our GM. He'll be back here in a little while or first thing in the morning. He went to another property. Oh, okay. Understood. So it was the GM. Wow. Okay.

32:16The call of the threatening to call the police is what kind of concerned me here. Why did it get pushed to such extreme level, I'm wondering? Yeah, that's something you would have to ask him. Like I said, I was here and that was kind of what I heard going on, but I was sitting to other guests and, you know, I was here at the counter as well, but, you know, there was so much going on this morning. Okay. So just confirming one more time. So they stayed there and they were essentially trying to, it sounds like, rip the system a little by trying to get the room comped that they were in because they were complaining about not hot water.

32:51And then you guys went and found there's hot water. And so you actually found out that they were lying about that so that they could get a free stay. And then we moved them to a beer suite. Oh, you moved them to an additional suite. Okay. Okay. Thank you for the confirmation. I really appreciate it. Okay. Bye-bye. You're not a victim. You're a lying bitch and I don't believe anything you've said about any allegations in the past about anyone around you. We only asked for the first night. You're a bad person and no one believes anything because of m****** like you. I'm not a m******. Well, I also heard you're kind of...

33:24Didn't you guys have like methadone on you? What? Or something like that? No. My security guard told me. What? No. I'm just saying. He told me. It's the first thing that happened when I walked in. I'm not okay with... That is not in my bag. That is not... I'm not a f***er f***er. Okay, okay. I'm just saying. I don't even know. I don't know. I'm just saying that's literally the first thing he told me when I walked in the door and then I told Brandon. So I wasn't making up that that happened. I will believe you that didn't. That's fine. I'll believe you that that did not happen. But I'm just saying my security guard told me that.

33:59Okay. So you lied to me, which means I unfortunately can't believe your assault thing, which unfortunately also means I can't believe your harassment thing or your firing thing. That's right. Another thing. Don't believe women. You are a liar. Don't believe. You're the reason why people won't believe women. You are the reason. Yes. Do you not get this? Do you not understand this? I've had this happen to me and people around me. People like you are horrible. You've ruined it. You have a slightly negative experience. You over sensationalize it. And you destroy our culture. Sensitive and can't handle.

34:29Sensitive? You tried to get a free room. They moved you to a better, better suite. We tried getting the first night comp because I didn't have on a hot water to take a shower. And then they went there and they proved that it was wrong. Bullshit. And they put you guys in a bigger suite anyway. You guys are trying to milk the system and get some free f***ing money, you disgusting, degenerate piece of s***. You're annoying. I'm annoying because you got called in your s*** for the first time in your life. No. Yes. It's not the first time. So you probably deserve to get fired. You probably were not harassed.

34:56No one believes you, and unfortunately, no one believes anyone anymore because of people like you. You f***ing Reddit TikTok brain freak. You're a piece of disgusting s***. So I'm glad you got fired. I'm glad you don't have money to pay this. You know what? I'm glad I got fired, too. You're a bad person. Because I think it's a sign. So you're going to make$3 ,000 a month? Now how are you going to do that? Your little clients? Your little clients? A little freelancing, but you haven't made a penny. You haven't made a penny. Where's your penny? Where's your money? How are you going to make$3 ,000?

35:18You don't have a plan. Where's your plan? I do have a plan. I can go to their house. They can come to my house. I have my tools. That's it? You have no, do you have anything on the books? Yeah, I have a few clients on the books. Okay, but I'm being told you're planning on moving to New Jersey immediately anyway. So how the f*** are you going to, you're not taking your Colorado clients there. No. I mean, some of them won't come out there. No, they will not. For a barbarous appointment? No. Okay. No, they won't. That's what you think. No one's going to. A couple of my clients would. Why? Just because they love me.

35:52You're delusional. I'm delusional? Yes, you're delusional. That's why they're texting me, asking where I'm going, how, you know, all that stuff. Okay. Because they probably want you back to get the haircut. I could believe that. Well, yeah. But they're not going to fly into New Jersey for a haircut. I didn't say all of them were but one or two would do they get anything on the side? no then why would they? it makes no sense it's a haircut haircut why are you moving anyway? you don't have money to move how are you going to move? you're not going to afford to move? I have my taxes don't you have to get a new license over there?

36:30I already did okay so your taxes how much did you get? in total it would be like$4 ,000 how much is left? How did you even get that back? Why? Because tax. There's no tax on tips. They had like the deduction. What? Did you claim your tips? Did you pay money for your tips? My credit card tips, I claim. Okay. So it was automatically withheld from your tips. Yeah. So that's why$4 ,000 back. $4 ,000 is just a lot. What the? Okay. I mean, for what it's worth, you're in the bottom 50 % of earners and the bottom 50 % of earners only contribute 1 % to the federal income taxes. So we do have the most progressive income tax structure in the federal government in the Western world.

37:09So we're essentially redistributing wealth to you. You're welcome. I just wrote a big check. Congratulations. Thanks. Yeah. So with that, you're going to get a job in Jersey then. So that's how we're going to pay off our debt? You're getting a job in Jersey? Yeah. Maybe it costs a living. What about cost of living? New Jersey is more expensive. No, it's about the same. In Colorado? Yeah, Colorado's f***ing expensive. It is, but the East Coast is like, besides like... It's literally around the same. My best friend lives in New Jersey. Where in New Jersey? Uh, Wanakeu-ish. Do you need help spelling?

37:48Yes. W-A-N-A-Q-U-E, I think. I'm dyslexic, so you're asking the wrong person for spelling. Okay, well, let me pull up some data on that. But, oh, wait, what? But you just got an email yesterday saying that you're not able to get rehired at any location due to the nature of your separation. Oh, shit. So this is a chain. And you were going to try to go with... Oh! You deserve it. You deserve it. You're a bitch. No, I don't. I don't deserve to be at all of them. Yes, absolutely. What's this chain? It doesn't matter anyway. You're not going back. What's the chain? Scissors and scotch. What? Scissors and scotch.

38:26I've never heard of this in my life. I know. I've just never heard of it. Oh. They cut hair and they have a bar. Okay, no. So Denver is 10 % above national average. The WANACU is 29 % above national average. No, it's 15 % higher. But when you actually have somebody that lives there, they can kind of give you— But that doesn't change cost of living. They can tell you how much rent is. I go there all the time, so I know how much groceries are. Guys, because she knows someone, the statistics are just incorrect. That's just how it works. That's how it goes. That's how it works. It's a 15 %— She's live data, though.

38:59What did you use? Chat GPT to give you that? A search engine. Yes, we searched. I searched. You're too because you're just using AI. What are you, as a search engine? Is it a real human that lives there? You're using an anecdotal example versus where it put, let's see where it got the data from. Okay, this came from bestplaces.net. Where does bestplaces.net take, aggregate their data from? I don't know. I'm asking in general. I also don't know just yet. there and her rent is about the same as mine. Groceries are about the same. And apartments.com and Redfin. But she literally lives there. Property tax organization.

39:38Oh, and the Census Bureau. You know, I'd say census.gov is pretty good at that. So actually it's confirmed by multiple sources. It depends on where you're at in those towns. I did the metros for both of them. I did the metros. It's always going to depend a little bit more than where it's at, but it is 15 % higher cost of living. But at the same time, she said she's okay with me. With no job lined up. I could find a job anywhere. No, you can't. You actually just got told you're not going to be hired from those chains. So, wait. Oh, okay. I read that wrong. Yeah, the company got fired from its multiple locations.

40:09I read it as you got fired multiple times. No. Okay. So, yeah, you're going to transfer salon, but you're not doing that because they're not taking you back because you're impossible to work with. That was before I thought about New Jersey. That was a different state. But I have money. So, what's your plan for New Jersey? Please tell me. So, tax return, you got$4 ,000? Yeah. How much is left? Um, three. Wow, that's going very quick. In a matter of like a week. Well, I had to pay, well, it's probably less than that. Because I had to pay rent. Less than that. So what is it, two? Two fifty? Yeah.

40:40Two five hundred or two? Two five hundred. Okay. At that rate, that will be gone in about a week and a half. So you're, yeah, maybe. I'm a, no, yeah. So what's your plan? What's your grand cross country plan? No. I have a finesser. Huh? I have simps that just like giving me money. Oh my, why is it the ugliest people that get the most money? It makes no sense. This happens every... I mean, come on. Yes, ugly. Come on. Yes. Okay. Which, honestly, again, I know I'm like, I mean, I'm large. So, it's just, I'm not a 10 out of 10 either. But following the logic of the show, that actually means I can make the most amount of money via Sims.

41:14I've seen the people in Austin, and yeah, I'm not ugly. Austin's one of the youngest cities. It's actually incredibly stunning. Beautiful. I don't think so. Okay, but that's because you look in the mirror with that haircut and think it's good. So, yes, we're not valling you as a source. Your haircut looks stupid, too. Are you 14 with your broccoli top? Is it a broccoli? Broccoli top's like this. I just have a little curl here. Exactly. And you perms it. 14-year-olds are perming their hair. Well, you know, do you want to know the lore behind the perm? I'll tell you. The lore behind the perm. Well, people think it is weird, validly, that I perm.

41:47It's because I was dared to do a perm. And you kept up with it? So I was dared to do a perm for the first time. so I did it in the week after I did the permas when I recorded my first YouTube video so it just kind of cemented that as my hairstyle so I'm just like, ah shit, I'm locked in plus it's so much easier than styling your hair just go boop so okay, you're somehow simping which by, again, that logic I guess I could make a shit ton of money I don't really understand it it kind of just depends on what I need and how much I don't even have to do anything they just want to talk to me you know, also, we're not considering your opinion on what people look like valid okay, I'm not taking your opinion Your eyesight's f***ed, man.

42:24Yeah, I'm wearing contacts. You see like 10 people at once looking in 50 different directions. Okay. That shit's going to be on the back of your head before the year's done. Yep, and then not, yeah. That shit's traveling. So either way, how much are you making from these sugar daddies, of which I'm sure you provide sugar for? I actually don't. They're not sugar daddies because they're like my age. Fine. Very good. How much by making them come? If they come on their own, that doesn't make me a... They're in their room gooning. Oh, so it's for images? Not all the time. Sometimes it's just to talk to me.

43:01I literally have a guy that's like... Congratulations, you're paying for fake tits and a dick. Some guys like that. Some guys like that. What can I say? That's fair enough. And you like saggy titties and men too. Those are saggies. No, I like them perky, but real. Okay. Wait, and what? And guys? No, I'm not. I'm not. Are you sure? but I appreciate it. Yes, I am sure. I know. Ha ha. It's the meme. It's the financial out of me. I think it's the fact that you tell everybody that you f*** dudes in high school or college. Okay, one, I've never said that but I thought I was bi in high school and early college.

43:34Never said what you said. You didn't f*** them. You were the bottom. I got it. No, okay. No, and also never did that but I appreciate it and it doesn't matter either way. Okay. Either way, it doesn't matter how much you're making from the sugar because that's all there is. Right now, that's all there is. that and me redistributing my wealth to you. I suppose. I mean, so how much are you making from the sugar? Come on. I just told you it depends on how much I need. Average. On average, like a grand. So what's your cross-country plan? Because you're not getting there at this rate. You're blowing through a grand and a half a week.

44:08I'm going to start freelancing, taking my clients here, saving up money. Then I'm going to go move to Jersey. So what are you moving then? I haven't made that decision yet. Oh, you're so f***ed. Because you haven't made a penny freelancing yet, so you haven't proved it. You haven't proved the model. Well, I've thought about just breaking my lease and going to hang out with her. Because my friend said I could stay on her couch for three months to get income in Jersey. What's that going to be? Is it going to be free? But you don't even know when you're going to move there. I just said that she would let me crash on her couch.

44:33You don't even know you're going to move there. Yeah, well, like... When? You don't. So it's difficult. You know, I could break my lease and go tomorrow. Break your lease? Where do you have the money to break your lease? It usually costs like a couple months of rent. I just told you I'm a finesser. I have sims. No, yeah, but that's, what's your rent? Um,$1 ,600. Dude, that's going to cost like maybe like$4 ,500 to break your lease. Okay, well, I mean. You simp for$1 ,000 a month. I didn't say a month. Yes, you did. I said each time. What,$1 ,000 for a couple pictures? I didn't say pictures. What do they get for$1 ,000?

45:10Come on, be honest. It really depends. I literally have guys that will just send me like$100 for breakfast and not talk to me. $100 is not$1 ,000. That's why I said it. Depends. You said each time. When you get$1 ,000, what have you done for that? Asked for it. That doesn't make sense. You know, sometimes I'm just... So you can get$4 ,500 today. Sometimes I spend money elsewhere and I over - How are you finding them? These pathetic worms. They just come up to me. Sometimes they're at the bars. Incorrect. What do you mean incorrect? That doesn't happen. It doesn't happen? No. Guys don't approach me at bars?

45:45You, correct. Okay, got it. That's who paid for this pedicure. Don't look at my feet. You didn't pay for that? I don't know. I didn't ask. You paid for it. Fine. Ask one of them for$500 right now. Let's see if you get it by the time this episode ends. Okay. Yeah, 500 bucks. Hey, baby. Need some money. However you do it. I don't know. June 1st, I'm launching the Hammer Relief app. Available on every major platform. exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but limited to the first 1 ,000 people to purchase.

46:28For a one-time payment of$500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with merch you can't get anywhere else. You'll get a limited edition Caleb Hammer commemorative coin, a budget planner notebook, a Caleb Hammer credit card skin, Caleb Hammer Emoji Stickers, a limited edition Caleb Hammer Plushie, a limited edition Hammer Elite Mug, a limited edition Hammer Elite Hat, all packed inside a custom merch box. Once all 1 ,000 boxes are gone, this offer is gone forever. Join the waitlist by using the link in the description or pinned comment down below.

46:59So mark your calendar, June 1st. This is the best membership you'll ever join, and that is a promise. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, We like free money. You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Yeah, I want to see this.

47:33I want to see it. What? I want to see that message. Oh. I'm looking at this chat, and I might regret it in many ways, unfortunately. But for you, my content friends out there.

47:53Hey, could you help me out here and send me like$500? Okay, I'm pushing send. Okay. Good? Wait, how do we... Don't go up if you don't want to see anything. No, no, no. I just... Okay. Okay. Okay, but let's just see general chat. Okay. Okay, safe, safe, safe. Safe, safe, safe. Good. Okay. Got a client at two. I need to get ready. The near downtown, giving myself the time to drive. Let me know what happened. And I'll hop in the shower. On my way. Okay, so you f*** him for the money. No, I don't f*** him. We literally just hung out and smoked a blunt. Oh, shit. I'll open the door, run up, and shower.

48:30Why are we all showering then? I'm not showering. An Uber to you? Okay, BB. I'm hoping. Anyway, I'm already just got here. And he was also somebody that I actually gave a chance to, and he... So you have... Have you... I can't... No. Okay, well, here's the conversation for the money. Okay. Hold on. What is this? What? There is a picture that was sent. It was this. It was a picture of me, and she said, this f***, LOL.

49:03Excuse me? He asked me who I was watching.

49:11Absolutely excuse me right now. Thank you. I forgot that was there. Okay. See, I know you're a liar. Do you sell pics? Ha ha. I mean, I have guys try to get me, but I don't be giving them the time of the day. So yes, I do. You said. And I mean, I have. You also said. Ha ha. Interesting. Thank you so much for giving me the time of day. I actually care about you. Also, pictures are prostitution. Nothing will truly come from this unless we both make some serious changes. And he's like, yeah, I'm a swinger. So I'd want to do threesomes. I'll do 300 if you come over and 100 if you do tomorrow. And I didn't do that.

49:47Yes, you did. Because he said the money and you did go over. But not no weird threesomes. Oh my goodness. Wait, what's this? But yeah, it was a nice night, even the sexual part. You liar. You f***ing liar. This is why I go through the text, ladies and gentlemen. This is why I go through the text. But this is also a dude that I actually wanted a relationship with. But because he's into open relationships with... You also said yes, you f*** others. Often. And have other sims. I didn't say often. Yes, you did! It's here! Often's not there. He responded. Let's see. Are we getting$500, ladies and gentlemen, or not?

50:26He said, ha ha ha ha, f*** what's going on. Just so I can pay a bill that's hitting. later today. Babe. Yeah, that's fine. Like I said, he was somebody that actually wanted a relationship. I keep monitoring this. He was somebody that I actually wanted a relationship with. Yeah, and he wants to suck your... Well, that's what you do in relationships. You have sex. For money. No, but like you have sex with your girlfriend. If she was down bad, wouldn't you give her a little money? No. Fuck her. She can be responsible. She's figuring her shit out. Well, maybe I'm tearing my shit out. I give my girlfriend gifts, but right now she's figuring out her income situation even better.

51:07These are gifts. No, not like eBay gifts, though. So let's get into these finances. Let's get into the numbers, because now I understand we're coming from a place of you make zero dollars, you're blowing through all your money, you suck dick for some money, or get your dick sucked for money, it's weird. You plan on moving across the country, you have no idea how to do it. If they just want to give me money, who cares? Shut the fuck up. Come on. You guys talked about how you were fucking sucking. Shut up. I know how it worked. But even without that, what do you think your financial score is? 0-10, 0 being the worst, 10 being the best.

51:42Your little thing said... The website, yes. Yeah, it said 2.5. Very good. If you want the little thing, you can get it for free at CalebHammer.com. That is your hammer financial score. Take the assessment. It is free. It just takes a few minutes and you can see where you stand in the world of money. And if you don't want to be like a guest who ends up on this show, one, don't transition. Two, or you can if you want. You can budget your transition by downloading DollarWise. Take the free trial. See if it works for you. Connect automatic account connections. It's incredible. Most people take the annual version because it saves a lot of money.

52:14And when you do, I will personally sign our 30-day detailed meal plan and mail it directly to you. This meal plan is incredible. It comes with the digital version of the cookbook as well. Why'd you turn that in? It's yours. So you can meal prep now. You got all the meal plans. You can meal prep every single day. No more excuses. Okay, so again, like I said at the beginning of this conversation, you had a fee that immediately charged because you didn't pay your f***ing card. You pathetic creature. What is wrong with you? What is wrong with you? Why are you not paying your f***ing card? It was a$25 minimum monthly payment.

52:47You couldn't even do that. I forgot. $32. I forgot. Automatic. Automatic. Because I'm not— Well, I don't like auto pay. Why? Well, guess what? It loves you because you're f***ing listening. If it comes out and I don't have the money in there, it gets taken out anyway. Then I get charged an extra$30. Okay, well, that just happened anyway because you didn't pay it on time. I met on my checking account. Okay, well, now it's happening in your credit card. It's hitting it somewhere. Well, why would it hit two places? Well, it wouldn't because you would have paid it. But either way, by overdrafting, not that I'm advocating for that, trust me.

53:18But okay, so you owe$468.48. What's going on with this card? Well, there was a time where I couldn't get credit cards for a while. Good. You shouldn't. And then I got my credit to a reasonable standpoint, and Credit Karma kept saying, oh, you can get approved for all these credit cards. So I just decided to try since before that I got a loan. You're hitting them all. I like all these things. I like personal loans. I like credit cards. We have a credit card matcher and application thing on CalebHammer.com. Same with personal loans. Because they're great. I love them. I use them. People should. You can't because you don't know how to manage your shit.

54:03It's for people who know how to. You can't. I mean, duh. So what did you do with the loan? I got a nose job. I couldn't tell. Thank God. What the f*** did your nose look like before? Because we got like a Michael Jackson thing going on. No. You can see my nose. I still have one. It was very much a traditional, like, you know, Cherokee nose. Oh, no. That's horrible. Not a normal nose. I mean, so now I understand why you think I look super white because I just... Well, and also just like your skin color. Oh, yeah. Okay. So you took out the loan for a nose? Yeah. I thought it was to pay off the credit card.

54:44I thought that's where you were going with that. No. What did you rack up? You just opened this card last year. I was saying that that's what made me realize that I can get credit cards again. Oh, for fuck's sake. Why? Because you were able to get the personal loan for the no so you're like, I can get credit cards? Yeah. Oh, for fuck's sake. I guess the only way I could get that loan is putting it in. What are we doing? Okay, so what did you rack up this credit card with in less than a fucking year? I don't know. Sometimes DoorDash. Sometimes the bar. Sometimes I'd buy stuff on Whatnot. Whatnot?

55:16What's Whatnot? I've heard of Whatnot. We've had one out before. What is it? It's like the auction app thing. What are you auctioning? I don't auction anything. What are you buying in auction? Bratz dolls. I fell down a little boo-boo hole for a while. Little boo-boo over me. But you fell off because everyone did. What's Bratz? I think I've heard of Bratz. I have one. Oh, of course you do. Everyone always brings their little collectible special little thing. Oh, that's Bratz. I know Bratz. Bratz is like OG. Yeah, she's from 2003. Oh, you're breaking it. Why the f*** are you collecting this shit?

55:50It's not great. Because it's a good investment. No. I'm creating generational wealth. Dude, you're generationally in debt. Do you realize how much some of these cost? Well, tell me. How much did it cost? Well, she's a little on the cheaper side. But I have dolls in my collection that can go up to like$700. Sell them. Please, please, please, please, please. Why would I sell them? I guess you probably shouldn't before you change your behavior or else you'll end up in the same situation again. I would just buy more. Like the only times I sell dolls for my collection is... So you're saying if we get this credit card paid off and you move across the country, all your money will just go to rack up the credit cards against some rat dolls?

56:23Maybe. Then what are we doing? What's the point? What are you trying to do? What do you want for your life? You're a literal pathetic failure that blames everything on everything around you. I'm trying to move out of Colorado. Why? Why do you have to move out of Colorado? Because it sucks. It's dry there. People there are boring. They're just granola. Okay. Sure, fair enough. I don't hike and I don't ski. So what's the point? Fair enough. Okay, that's fine. I got you. I got you. Okay, so you're trying to move back to Jersey, everyone's favorite state. The food's good. My best friend's there. Best friend.

56:54There's a good reason. So, okay. But what are we trying to do, though? Because if we're just paying off debt so you can buy Brad dolls again, it's like, is that what I'm enabling? Is that what I'm helping here? No, like I really want to move. I want, you know, I do want to like focus on that. But. That's it. This entire thing is for a move. Do you have to move furniture? What are we doing? Because moving is expensive cross-country if you want to take everything. If I was to move, I would just like put everything in my Jeep and… So what are we doing? What are you trying to do? What am I trying to do for you?

57:27What's the productive thing here? Help me out with my finances. So you can… Move to New Jersey. That's it. After you move, your life is done. Apparently now I need something to do with my eyelids. So surgery. I don't think they can move an eye. That's the first. What? Let me see. Let me see. Thank you. He asked He asked if he can he asked if she can pay him back. He's been going through a lot right now. And he's waiting on, he just got a new job. And he's waiting on that money to kind of take into effect. I know that. Let me try to manipulate. Yeah, that's usually what I do sometimes. Yes. That's why I'm imitating.

58:15Okay, so this card, I mean, I'm being told you probably just racked it up on weed and shit, which kind of correlates with your DoorDash bullshit. Can you pull cash out on Weed or on credit cards? Well, I mean, you could cash out. Do a... Fuck, what am I thinking of? Cash advance. But no, that's probably not it. Okay, yeah, missed immediately. You got interest accruing. But even still, probably blames it up and then ordering DoorDash. Let's continue, though. Credit one. You know if you have credit one, you have like the worst credit ever because it's like the worst credit card you can get. It's horrible.

58:49I didn't know that until I started watching your show. You still got it. I thought it was Capital One. I got it after watching your show. That's what they think. That's what everyone thinks. It looks like Capital One in the mail. They get it. And that's Credit One. It's horrible. One of their partner people. I don't know. $492.34. So maxed out. No, I'm a maxed out. Credit limit's$300. How do you owe$500 on a$300 card? The f*** is what? You're past due multiple months already. What the f***? What are we doing? What are we doing? What the f*** are we doing? You're already two months behind. Now you owe a third month coming up.

59:22$69 a month is owed. Yeah. Why? What is wrong with you? Why can't you at least just pay a f***ing$60 payment? Because you weren't unemployed until a week ago. Well, because sometimes I just forget or I don't want to. No. There you go. It's not wanting to. Because you're not forgetting for three f***ing months. Pathetic. What are we doing? Sometimes I don't have the extra money or I have to pay a different bill. And some bills are more important. rent, my car. Sure, but this is$30. And you told me, you made it sound like you were at least making good money. I was. I made$60 ,000 last year. Then why couldn't you make a payment?

1:00:05A$60 payment. Because I buy things. There you go. I want to have fun. Because you're prioritizing fun. What you want. Yeah, but we're not promised tomorrow. Why should I pay? I have to worry about all that. You're not promised tomorrow, no. But on the higher statistical likelihood chance that you will be here tomorrow, set yourself up for a better life and success. Because if you die, you won't know you didn't have fun anyway. So it doesn't matter. What? I know, that's what I'm saying. I know, but if you died, you won't even know. How do you know? Huh? We don't know what happens after life. Okay, well, let's go with most religious perspectives anyway and say you go to some kind of heaven.

1:00:44Doesn't matter, you'll be having a great time. So who cares if you were struggling a little here? Exactly, that's my thought process. No, it doesn't matter if you would have sacrificed because you're having a great time up there anyway. So it doesn't matter. Why can't I do both? Statistical likelihood is you're going to live a long life. So sacrifice for it. What? Huh? What? What, what? What, is there something I don't know? Are you going to die? You got f***er? What do you got going on? I don't know. Oh, I was just saying you don't know. Then you're probably fine. Okay. I mean, you might get shot at a bar because you're always f***ing up in people's faces being insane.

1:01:17Yeah. That's why I want to conceal carry. Yeah, maybe. I don't know how things work in Jersey. But listen, you were blaming with Lindsay. You were blaming this on credit karma. You kind of started setting that up with me. The thing is, you blame everyone for everything except for you. I don't know if you know, but your videos have credit one ads. That's not me. I'm not putting the credit one ad in there. I know you're not, but somebody is, and that's kind of bad. And credit cards are good, though. Not credit one. Credit cards are good though. Their money? No, the rewards and everything, if you can actually manage it, if you're a credit card person, but you're not.

1:01:57I tried. You didn't try because you're not paying the$30 payment. This one's not maxed out. Okay, let's see. We got a Snapchat. I don't know. I don't think that's another guy. Another sugar daddy, maybe. I don't know. The guy with a beard is what it looks like. I can't see without you unlocking it. It doesn't matter. All I care about is the one guy. Okay. So concealed carry. Well, you said it might get shot. So if I have a gun. That's expensive too. I haven't looked into it. Okay. I mean, I date guys with guns. I can't say it. They want me to say it. I'm not going to say it. They want me to talk about, they want me to be nervous with a trans person getting a gun in 2026.

1:02:45I'm not. I'm not going to say it. It's not happening. I'm not going to be shooting up any schools. Okay. Well, that didn't make me confident. Now I am nervous. Or churches. Now I am nervous. I voted. Now I'm very nervous. Shit. Okay. I'm not going to shoot up schools because I voted for Donald Trump. Okay. So why would I be one of those trannies that shoot up schools? I don't know. I think people just shoot up schools. People just shoot up schools, right? And usually they're the ones that like women. Like the trans women that like. You're right. That's right. You get guys to suck your dick. That's true.

1:03:17I mean, you get girls to suck yours. Huh? You get girls to suck yours. I think that's considered pretty standard. Pretty, and some people don't want standard. Okay. I wasn't criticizing. I wasn't criticizing you either. Okay. I don't understand the point of that. What? Everyone likes sex. Yes, everyone likes sex. $69 is your now minimum monthly payment. It's probably normally$30. But again, you're multiple months late behind. $40 late fees. stacking like crazy. This is insane. Oh, it's actually been closed because of how past you are. So you can't even spend on it if you go, if you even pay it down.

1:03:52You can't. Which is good. You shouldn't have access to this. You're not a credit card person. Again, for those who are, you can figure out what credit cards work for you at CalebHammer.com. Check that out. But you're not, so you shouldn't fill that out. Honestly, what really happened is my car got totaled. I feel like that's worthy state. So if we did sell your big collection, how much would that be worth. What's your collection worth? My collection? What? Your collection of these things. Oh, if I sold it all together, probably like 10 grand. Dude, you could change your life. But if I sold them...

1:04:26How much have you spent on tattoos? I don't know. $20 ,000,$50 ,000. What? No fucking way. What is wrong with people like you? You guys are just so fucked, man. I've been getting tattoos since I was 16. And then I don't I don't know. I just get tattoos. When you live at home. How much does your transition shit cost? Um, hormones? Yes. How much has it cost? Uh, well, I just got back on Medicaid. Hormones? But no, no, no, you got tits as well. Those were free. Those were free. Why? Because my body is priceless. No. How was it free? Oh, uh, Colorado taxpayers.

1:05:10Yeah. Not federal. right? Just Colorado? I don't, I don't. I hope that because I just wrote a$4 million check the other day to the IRS. If that's paying for literal titties, what are we doing? I have nothing wrong with trans, but why am I paying for people's boob jobs? Don't get me wrong. I don't think it should happen either, but I did abuse the system because why would I pay for it if I can get it for free? The government, the taxpayers paid for your tits? I mean, I pay taxes too, so. No, you're not a net contributor. No, we just sent you$4 ,000 back, especially with your no tax on tip thing.

1:05:42and the majority is tip. It's honestly, it's just, I'm not in favor of the no taxes on tip thing. It's so stupid. You already contribute nothing. And it's just more populist policy. No, you're right. We should just be getting paid a normal wage so we shouldn't have to get tipped. That's fine too, but I advocate for that. It's just so stupid. It's just another, it's just a performative policy. And that's why both parties are on it because populism is winning right now. It's just, it's so stupid. You already don't contribute anything. You're a part of the - I do contribute. No, you're part of the 50 % that contribute 1%.

1:06:12It's nothing. It's a drop in the bucket. If it was gone, nothing would change. It's just we give everything new. Now we pay for your boobs. What else do we pay for? What else do we pay? Do we pay for your hormones? No, I pay for those. Okay. There's no health insurance pays for them? I mean, yeah, now. But I didn't have health insurance for a while. We all pay into the higher cost of health insurance. What about the nose job? I paid for it. And I don't consider that part of my transition. Oh, no? No. It wasn't gender affirming? No, not really. Is there any other gender? For me, I feel like I've always been confident in who I am.

1:06:46Well, it's taken a minute, but like. Is there any more gender affirming surgeries you've done? I'd be like, have done? No. Any more that you want to do? Yeah, I've thought about it. Maybe another boob job. Are we going to pay for that one too? No. Why? I had to be on hormones for like two years. and then at that two years, they would see how big my breast tissue grew and it was an A cup. The government was tracking this? Yeah, because if you... Oh my goodness. If your breast development... The show's turning me into a libertarian. I'm ready to cut everything by 90%. Honestly, I agree. This is crazy.

1:07:24I agree. This is insane. I agree. I don't actually agree with that, but what the... Because I know we're getting the worst of the worst on the show, so I get it. But this is like, what the... What the f*** are we doing here, man? What the f***? If you get bigger than a, like a B or bigger, they won't pay for it. But because I'm a skinny legend, I only got like an A. You're welcome for the taxes, America. You're paying in foreign shit. Oh, that's probably Bratstalls. Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well.

1:08:03Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at Gamer Subs.gg or click that link in the description below, type in code Caleb. Stop bleeding out money making minimum payments across multiple high interest accounts. Some follow the noise. Bloomberg follows the money. Because behind every headline is a bottom line.

1:08:45Whether it's the funds fueling AI or crypto's trillion dollar swings, there's a money side to every story. And when you see the money side, you understand what others miss. Get the money side of the story. Subscribe now at Bloomberg.com. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you.

1:09:33I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to CalebHammer.com.

1:10:11And remember, you still got to do the work. You're paying for the brats dolls? What the f*** is wrong with you? I told you some of them are like$100 or more. How often are you brat dolling? I don't know. It depends on my mood. If I'm in a bad mood, sometimes I'll just buy one. You're broken, man. I know. Man, I meant gender neutral. Dude, man, they're all gender neutrals. I'm not offended. I'm a respectful guy. Right? A little. Oh, come on. I'm respectful. Yeah. Okay, I just did the one bad thing, but I didn't know it was a bad thing. That's why I said a little. You're respectful. I'm a good guy.

1:10:50I just yell and make mean comments. All right. Update. I'm pretty sure he knows I'm here too. Oh, let's just see. What did he say? I was trying to manipulate him. Let's see. By the way, what I said is, I thought you liked me, dot, dot, dot. Yeah, he said he does, but that's a wild request. Let me see. I'll manage this. Thank you. Ha, ha, ha. I do, but that's a wild request. Because I think that's like, he literally just gave me almost$400 the other day. So I think that's kind of why. I mean, if you look, the$300 that he sent me was literally like... I'm manipulating. Okay, give me more money. I'm not complaining.

1:11:32I'm just letting you know that literally Saturday he gave me$300. Okay, I sent three texts. So you don't care if my bill fails while I'm stuck in Texas, dot, dot, dot. Next message, I don't know. I thought you were different. Next message, Never mind. Manipulation? You're a little bit meaner than I am, but... I'm pulling out cunt for this. Okay, so what even is... Oh, so that's for the Brad doll. Okay. Not this one. Tuck it up. What's that? I mean, that sounds like, okay, you're hiding the dick. Trans things, right? Tuck it up? Oh, yeah, they're really cute thongs. It matches my pants. It's just...

1:12:11Please, stop. Stop what? I don't want to imagine a woman's penis. I don't know. Those words just come out of my mouth, I guess so. Are you afraid mine's bigger? No. If you were like tall, skinny, white, like yes. Because the biggest dicks I've ever seen in the locker room of like swim team and shit. How many dicks are you looking at? Okay, for what it's worth. The swim team in high school. I don't know if you want to say this. I do. You think I give a f***? The swim team in high school is crazy. Those guys, they were just, none of them were gay, but they were the gayest motherfuckers I've ever met.

1:12:49Straight men are the gayest men I know. In the swim team locker room, yes. So the tallest, skinniest white men are, especially the nerdy ones, they can, they can like wrap that shit around the throat and choke a bitch. That shit is huge. Intimidating, scary. But you are not that person, so I'm not afraid. Okay. So no, I do not have that fear. Okay. the trans shit is$32.49 it's one more payment and it's done I'll just call it trans trans dick okay trans dick $32 okay and then what is this what is this forest ink you're paying for oh this is in my pants I had to buy for the show you had to buy for the show yeah because they're people the show that does not feature pants well you can see people sitting alright it's tucked up what do you mean that bitch you can't see shit exactly the tuck it up worked.

1:13:44It's gone. I guess I shouldn't be that afraid. Well,$57.89. You can let me know if you want to see it. No, thank you. I've moved on from that. It's not college anymore? It is not college anymore. Very distant. You are 35? Oh, one. Yep. How's it feel? Fine. I turned 29 soon and I'm scared. $47.89 with a$28.94 minimum payment. Okay. No, no, no, no, no. It's much more due than that, actually. Let me see. What's the balance? Okay, yo. I mean, this is a small debt, so it's really stupid because you could wipe all of these out and get this massive risk from all from over your head. I was going to until I got fired.

1:14:37No, but then you shouldn't be going. You didn't have an emergency fund anyway, so you shouldn't be going into debt regardless. Because now this is risk holding over your head. Listen, you're going to have a hard time getting a job probably because you're a f***er. But regardless, I'll get you a course career certification. You can get that in the trades. You can get it in tech. You can get it in whatever. A lot of people in the audience have taken those and converted them into six-figure pay raises or jobs. So I got you with that. I have thought about leaving the industry. You probably should because you're not a people person.

1:15:05Well, that's why I work at a barbershop because I can't deal with it. Yeah. Definitely don't deal with people. You're retarded. You can shoot the shit more with men. Yeah, and then you got fired. By a woman, so obviously she can't hang. After you were a c**t, you owe$25 ,000 $738 $25 ,783.68 at a 20 % interest rate on something. I think this is a car loan. I don't know what that is. Do you have a 20 % car loan? Of$25 ,000? Is that my Jeep? Yeah. No! Here he is. Let's see. This is insane. This is insane. A 20 % car loan I haven't seen in like a year on this show. What the fuck is wrong with you?

1:15:51You're the worst. Let me see. He said, what the fuck, LOL? You got to be a little nicer to him. He's going through it. He says, I have bills and a whole kid. He has a kid and he's fucking, your dick is going out of there. He's sucking your dick. He's sucking his dick. You got to be nicer to him. So he said, what the fuck, LOL? I have bills and a whole kid, and why are you in Texas? I said, for the show. Sorry for being mean, babe. I'm just stressing. I really want to blow you when I get back. Oh my God, do not say that part. But I really need this. Can you please help me out, love? Oh, you said it anyway.

1:16:29I don't want to suck his dick. I know, you can tell him later. Oh, you've sucked him many a times. Now what are you saying? Or let you suck mine. Okay, so 20 % car loan's crazy. Maybe he should send that 500 because what the is this? What did they tell you? That that was like normal at that time. For like you that have the worst credit imaginable? Yes! They made it sound like interest rates were high for everyone. They were, not 20%. Like 8, 9, 10. Well then if they're high already and then you have my shitty credit, obviously. So what is your car? It's a 2020 Jeep Wrangler. Dude, you got a fucking 25 ,000-hour loan on a— 26 ,000-hour loan on a Jeep Wrangler at 20%.

1:17:16What is wrong with you? What is wrong with you? I wanted a Jeep. I know you did. For 20— Well, you bought it for 30, by the way. But it's worth 20— You owe 26 now. What do you think it's worth? It's a 20 % loan. What do you think it's worth? I'm probably screwed, honestly. What do you think it's worth? I don't know. What do you think it's worth? The car? Yes, the car. What do you think it's worth? Probably 25. Okay,$13 ,000. You're fucked. You're 20 % insane. 20 % insane. Yeah. But I don't know. My car got totaled before that, and that car was paid off. What's your minimum fee payment, you dumb tit?

1:17:56$720.

1:18:00Yeah. And you're unemployed. Oh, you are so fucking broken. I wasn't unemployed when I— What's unemployment expected to be? I don't know because my manager won't give me my pay stubs and they haven't given me access to ADP since January. You don't have any from before? I got all of my pay stubs through ADP up until January. And then after that, I never had access to them on ADP. I brought that up to my manager multiple times. She never fixed it in ADP. Talk to corporate. I have. they don't want to talk to me. Okay, then you did more than just say okay, by the way. No, but this is why I want a conversation with them because my manager exaggerates a lot.

1:18:45Like the whole shop cannot stand her. They're all scared of her. She makes you say yes. Doesn't matter. Corporate. She makes you say yes, ma 'am. We're franchised. She makes you say yes, ma 'am. I know, but talk to corporate then. Corporate doesn't want to listen to me because they're too lazy and they just want to take the easy way out. No, no. It's always someone else's fault. I don't know. Okay. Well, I have thought about contacting a lawyer. Either way, this Jeep's insane. I know. I know. but I wanted it, so I didn't care. Exactly, which is actually what has defined your entire life. It's never been anyone else's fault other than you wanting.

1:19:14You wanted fun over an emergency fund. Well, yeah, I didn't, you know, I didn't grow up with— You wanted fun over not having debt. I didn't grow up with much money, so when I— So, neither did I. I didn't f*** my life. A little in my early 20s, late teens, but I got out of it. You're f***ing 28. And? You're a little old for still just having fun. for me, I am, I am, I am. You're a little old for that now. I don't think you're ever too old to have fun. It's not about not having fun. It's about that you're using the excuse of not having money. What? You are too old for using the excuse of you didn't grow up having money.

1:19:55You can fuck around in the early 20s with that excuse. This is also one of the first jobs I ever made this much money. Dude, you're 28 going on mass shooting. Like, you are just like, you're there. You're too old. I don't even know how to shoot a gun. Huh? I don't even know how to shoot a gun. That's why they always miss. The last time, no, not always. Well, tight spaces. Oh, miss him. I got it. Oh, him? Well, you voted for him, so I don't think you're going for him. Now, I don't. Oh, shit. All right. Secret Service, I hope you're watching. Well, release the tapes. Release files. Okay, yeah. Everyone wants the files released.

1:20:28Okay, it's Jefferson Capital. What the f*** is this? I don't know. Well, it's open, but you don't know. I don't know who Jefferson is. I hate you. I hate you. It's open, but it's 100%. Oh, it's collections. It's in collections. You just let the, again, it was prioritizing fun. Well, I don't know what that is, so how can I tell if it's fun? Dumbass dolls over. They're not dumb. Yes, they are. Over paying on your debt so you allotted to go to collections. Well, I don't know what that one is, so I can't defend that one. I don't know. Would the balance at least help? It's$3 ,243. Come on. Okay, I'm being told it's for Verizon.

1:21:08How the f*** do you owe that much to Verizon, you broken creature? Because I used to have an ex-roommate that was disgusting. Oh, it's always someone else's fault. Here we go. Let's hear how someone else's fault this time. And I put her on my phone plan. And this during COVID, when we moved out, because she was a dirty, disgusting hoarder, I canceled that because it was during COVID and I was told by Verizon that I didn't owe them anything and I was fine that they would just close the service and the account the fuck you're talking about first of all you have no personal responsibility for anything you are incapable of life well it's pathetic take some ownership you creature and you can still pay for this get on a minimum payment again or negotiate it down with your tax return money we can't dispute it Okay, collections.

1:21:59And not freak for trans, by the way, before someone sees that and clips it. I'm sure they still did and left that part out. That's how clipping works. $420 is owed in collections to this. It is funny. Progressive. It's very progressive. Progressive. So you weren't paying your insurance because you're a degenerate failure. No. Well, I didn't pay them because they dropped me. And then I didn't want to pay them out of spite. Yeah, but then you just pissed off in the end. So I don't really understand. Then the balance is 420. I kind of thought it was funny. So I left it there. So you fucked all your credit for that.

1:22:35You're never going to be able to get your own place in Jersey now with your credit only getting worse and worse and worse and worse and worse and worse. I was able to do it here. Here before it got worse and worse and worse and worse and worse and worse and worse and worse. Now you're going to not even break your lease. You're probably just going to allow it to go to collections if we're being honest because you'll prioritize moving over doing the responsible thing or actually making sure everything's okay. But that's still breaking my lease. No, you're just going to leave, and then you're going to owe money, then it's going to go to collections.

1:23:00That's not breaking a lease. Breaking a lease is something you agree with. Right. Usually they give you payment plans. They can, maybe. I don't know. It depends on the apartment. They love me. Huh? They love me. You think everyone loves you, and then you think everyone's horrible with the moment you don't get your way. People who don't like me are horrible. Exactly. That's basically what I just said. You toxic. Well, there's a reason. You're toxic. You're a bad person. Yeah, there's a reason why. Collections, 68 bucks. It was for Geico And you couldn't even pay$68 You're allowing that to bring your credit score down By like 15 points for$68 Then just pay it$68 Let your credit score go up Like 10 points immediately Like why not I forget Okay well you're here now Well now I'll pay it What the fuck is wrong with this guy he needs to call back Well he's probably mad now Cause I don't talk like that to him I apologized Oh, well.

1:23:56I still don't talk like that to him. I'm very nice, and I respect the fact that he has a kid. You respect the fact that he gives you money? That too. So the dude has a kid, but he just, you just, does he have a wife? No. That's why he sucks your dick, okay. He's a single father, full custody. Single father sucking dick, we love it. Yeah. Okay, okay. Well, savings five bucks. Really getting your way across the country. Five dollars, yay. I think there's like three cents. Yeah, you're the worst of us. Society, humans. Checking account went down. Apple bill. Eddie Cari, everyday store. Cari. Domino's, Apple bill again.

1:24:46Bullshit, Venmo, DoorDash, Pizza Hut, ATM was wrong. No one noticed where that$103 went. Every day again. Oh, I do. Netflix, where'd it go? Chick-fil-A, DoorDash. You have to get cash when you go to the dispensaries. Oh, what the fuck is wrong with you? How much do you spend on weed? I don't know. You're the worst of us. Amazon. I don't keep track. Bullshit. What's everyday store? Because you go there every day. It's a gas station. It's gas. How much are you driving? You go there so often. I lived like 20, 30 minutes away from that shop I was working at. But I lived in that town before I moved into the park.

1:25:24Another Appleville. You must have a lot of subscriptions. Venomating out money again. What are you Venomating out? People are supposed to be Venomating in. How much was it? I don't know. 14 bucks that time. It was probably for lunch. Somebody ordered lunch at work. Craft deli. What not again. What not again. What not again. A lot of what not. That was like$200 in what not. mad rad retro toys for$48 and an Apple bill Little Nick's pizza multiple overdrafts are you kidding me oh okay and return item fees what are we doing you are pathetic oh and there's another debt just to why not another personal line of credit at the end of it just for fun at a 32 % interest rate nasty disgusting what the is wrong with you 11.8 % rate 11.8 % rate maxed out you're complete Yeah, that's because I'll pay it off, and then when that money hits, I take it back.

1:26:18Because it's a draw as you pay, right? Yeah, because doesn't that help my credit? Is that fast food in here? It smells delicious. No, it smells like a cigarette. It stinks in here. No, it smells like McDonald's fries. Huh? Isn't it? McDonald's fries or cigarette? It smells like a cigarette. McDonald's fries. You're broken. I think it was the nose job. No. $5 ,999. Okay, two people agree on McDonald's fries. One person says cigarettes. Which one do we go with? Okay. Well, McDonald's fries kind of smell like cigarettes, huh? Your nose job broke you. So there's no monthly payment on this. It just accrues interest, right?

1:26:54Then you have to draw. You can only take out what you draw down. A personal loan. No, it's auto pay. Auto pay what? Like$110 every month. Pull up your phone. You have my phone. Yeah, give me your... Okay, just open. What do you want? Huh? Not nasty. I wash my hands a lot.

1:27:23Why are you on low power mode? It just makes everything weird. You have 50%. You're fine. Okay, subscriptions. Let's see. Apple Music, Google Photos, Backup, iCloud Plus. Paramount Plus? What the point is that? Because there's a couple of shots on there. What a shutter. It's a horror movie subscription. Okay. And then Hammer Elite. That one's good. Probably not best for you in this moment, but. Well, I don't know what I was getting myself into. Pretty good. Yeah. Three premium shows every single day, including where we're going to call your ex-boss. Yeah. She's kind of a bitch. I'm being told that Brandon is your type, which is exciting.

1:28:08Congratulations, Brandon. Brandon? Well, like, yeah. Do you want to suck Brandon's peepee or do you want Brandon to suck your peepee? No. Which one? No. No, which one would you? Are you asking? I don't care. Oh, you would do either way? You're a switch. Okay. Yeah. You have to have fun, right? Brandon? Post show? Post show blowjob? Your first blowjob?

1:28:32He didn't say no. Okay, there's 15 things in your Amazon card, which is crazy. Oh, no, no, no. I use my Amazon with my family. Lots of water bottles, socks, kind of things. No, that's all going to be my family. I don't always share. The only thing I buy on Amazon is stuff for work.

1:28:51Okay, well, you don't have a job anymore, so no more Amazon purchasing. Listen, I don't even agree with where you're going. I don't even know what we're doing here. Oh, there's more debts, apparently. Parents,$1 ,800. For why? Well, I went to urgent care, and then I went and saw a specialist. And I didn't have health insurance. Why? What the f*** did you? I had to go see a urologist. Why? Because I was pissing blood. That's right. Why were you pissing blood? They said it could have been anything. Either me being dehydrated. They outrolled like STIs. Drink water, are you a freak? All that stuff.

1:29:31So that's good. Drink water, weirdo. Why do you owe your friends$60? Why can't you pay back$60? Pay your friend back. She told me it doesn't matter. Okay, so I can cross it off. And then you owe in tolls$1 ,600. I probably should still give it to her. Well, she says she doesn't care. But she's also struggling. $1 ,600 to tolls is crazy. Yeah, that's because they never sent me a bill. You log in online. I know how it works. It won't do it. It will never log me in. And they've never sent me a bill. And that's also for my old car, too. And they've just held my registration. Good. Not good. Good. I hope you are never able to drive.

1:30:07I know how to drive. I'm a good driver. No, not if you're not paying your shit. I don't care. Consequences. Actions. I don't think that makes me a bad driver. It's time that you actually get consequences for your actions.

1:30:28Your monthly minimum to the payments are$1 ,005.13. What's your rent again? $16. What's your utilities plus internet? I don't pay for internet. On average, it's probably$150. That's kind of cheap. Okay, phone bill. I don't pay my phone bill either. Hey, you can do helium when you do for$15 a line. Why would I do that if I don't pay for it? I said when you have to. Oh, sorry. Gas, Vroom, Vroom, Drive, Drive, how much now without the job? For gas? Now, what do you think it's going to be? Oh, now. Because you'll be driving to clients and stuff. Hopefully, we'll see. Probably anywhere from$70 to$140.

1:31:07$140. Car insurance? Car insurance is about$2, but that includes renter insurance. Okay. TP fund, anything else you need to survive, make up all that good stuff? I guess not tampons. $150. Necessary food,$300. Use the meal plan. Use the digital cookbook we give you that you get for the annual version of DollarWise. Medical healthcare, I'd say. Oh, copays, anything on a monthly basis? Well, I have Medicaid now. How much? So no. Oh. Medicaid. You're on Medicaid. Yeah, I apply. Because I got fired. So it happened right when you got fired. Yeah, because I was losing my dental and I wanted to... I'm okay with it because you got fired.

1:31:42Hopefully it's not a permanent thing. Do you have any pets? I do have one. Fuck, what? A pug. Age and health. He's six. Okay,$50 health insurance. How much for pet food? I buy the big bag. I think it's like$120. It usually lasts in three months. Okay. I don't know. This is called$40. We'll just see. I don't know. Then 50 for pet insurance, 40 for subscriptions. Anything else that needs to be in your budget?

1:32:11I don't know. Can I still buy Bradstalls? You can go f*** yourself. Study and play. Come together on a Windows 11 PC. And for a limited time, college students get the best of both worlds. Get the Unreal College Deal. Everything you need to study and play with select Windows 11 PCs. Eligible students get a year of Microsoft 365 Premium and a year of Xbox Game Pass Ultimate with a custom color Xbox wireless controller. Learn more at windows.com slash student offer. While supplies last, ends June 30th. Terms at aka.ms slash college PC. And go, Brandon, no, you're not getting Bradstall's. All right, you're a child.

1:32:53Listen, you need$3 ,675.13 for minimum survival. Right now, you make zero. Hopefully, your unemployment helps with that, but you just need to go make that at a minimum. And then obviously go make more because you need to pay down some debts and settle some collections and pay your friends back. The car's the big worry, but you can't really finesse that. You just need to make$3 ,675 at a minimum. But pay off your debts, obviously. Move if you want to. I don't really care. Break your lease. That's going to cost money too, so you need to figure that out. You need to go make that. Usually I'm like, here, this is how you pay off the debt, but I can't if I don't know how much money you bring in.

1:33:27So go make that so you can break even. Try to make more so you can pay it off. Okay. I don't know. But we're going to call the person in the post show who fired her. It's going to be an explosive confrontation. I have a feeling because she's a c*** and sounds like the other one is too. But we'll see. So join Hammer League. Let's get the Hammer Financial Score. Spending and a budget. You overspend because you make nothing. Zero out of ten. Debt. Collection. Zero out of ten. Emergency fund. Nothing. Zero out of ten. Retirement. I don't know how to figure that out. Do you have any? I think so. How much?

1:33:57I don't know. Zero out of ten. Until you can tell me. 0 out of 10 real estate. Hammer Financial Score, get 0 out of 10. Get yours at CalebHammer.com. Now join me in the Financial Out of Post Show by clicking join. Hammer Elite, three shows a day, six days a week. See you there. Hello. Yes, hi. What's going on? I just kind of want to talk about why I got fired. What specifically? I feel like it was pretty clear. You were part of the problem. I didn't even listen and hear you out. Excuse me, are you saying I'm part of the problem that got you fired for... June 1st, I'm launching the Hammer Elite app, available on every major platform.

1:34:39Join the waitlist by using the link in the description or pinned comment down below to get a never-before-seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar. June 1st. This is the best membership you'll ever join, and that is a promise. There's a new way to Sweetgreen. Meet Raps. Handheld, hearty, and made for life on the moon. With bold, chef-crafted flavors, fresh ingredients, and over 40 grams of protein, they're built to satisfy without slowing you down.

1:35:19Try Raps today in the app, or at order.sweetgreen.com. Available at all participating locations.

1:35:30Have a