My Biggest Crashout Yet | Financial Audit

24:52I don't know. I wanted to learn first. YouTube. YouTube was boring. It didn't really teach stuff. Bullsh**t. Bullsh**t. Bullsh**t. That's why I took the classes instead. But I haven't finished paying off the classes yet either. Of course not. How much did you spend on your bar tending classes? It was$600 for the class. I think I still owe$300. But I did give my TABC already though. Huh? I think that was like$15. to be able to handle alcohol. That's what it is. Oh, right. Yeah. Okay. The food handlers. Okay. Here's the thing, big guy. Here's the thing. This bougie lifestyle that you're obsessed with living, which is why you think people don't like you, by the way, that's not the reason.

25:32But either way, this bougie lifestyle, in what way do you think you're able to still sustain it when I have the month of September here? And if that is apparently the month that you are unemployed, your spending should not essentially be anything other than minimum necessities. Well, that's why I came to you. No, no, no. To make a budget for me. Yes I can make a budget for you if you follow me. To teach me how to make more money. If you were stuck living in the bougie lifestyle cycle… If we don't change that… I can't get you out of bougie. The desire for bougie I can't get you out of. You would have to be managing heavily.

26:05Yeah. How well was spent last month in the month that you were unemployed? Please. Come on. What was it? Oh f***. Money's coming in from weird sources. But yeah. What was spent? I really don't know either. Think. Put yourself in the last month. Think about what you were doing. How much do you think was spent? Maybe like$600. Oh wait. We just ended September. Yeah. Maybe like$1 ,000. Yeah. $3 ,415.02. You're broken. You don't know anything about your numbers at all. No. You don't know your debt. You don't know your spending. I don't even believe that$2 ,600 that came in anymore. And now it's not.

26:49Wait… Wait… Why am I… Okay Colton's texting me that you can't get a bartending certificate or license. I mean… Why? I don't know. Well because you haven't paid for the full class yet. Oh well yeah that's true. I mean but I took the classes so I did learn. And I also have my TABC. So I mean it kind of balances out. Yeah how many bartending jobs have you applied to? And what's on your resume for the bartending jobs? I have it at the bottom of my resume. the accounting assistant certificate, and the bartending license. Uh-huh. And what's your job experience showed for the bartending? Nothing. Just the classes we're taking.

27:24No jobs. No jobs are listed there? No. On your bartending… On the resume to apply for jobs? No. So you're showing 29 years old never worked a job in your life? No. I mean I have my jobs but not for bartending. Good. What jobs? Oh I mean the one that I had. Yeah. So you know what's going to happen, right? Because unfortunately, bartending would be a big switch because you don't have that experience. I take the accounting thing off at the bottom for the bartending jobs. And I would try to curate and slightly manipulate your resume a little to navigate towards the bartending because what they're going to see is they're looking for, what they're going to see is that they would hire you and you're going to be there only for a couple months because you would leave to get the job you actually wanted.

28:05You have to curate to the job, make it look like you want to stay, like you want that job. You have to play the game. Okay, okay. I'll do it. I'll try. Okay, big guy. What do you think your financial score is? Zero to ten. Zero being the worst. Ten being the best. I give it like a five. In between. Explain. I mean, I like to spend. Most of my bills are paid. If I remember. Some of them will get paid. So I give it a five. So that's middle of the road. Sometimes we pay our bills. What are you? A Leo. I don't even know. I don't know when that is and what comes with it. It's an audience. I don't give a— Well.

28:51If you want your financial score, take the assessment. It is free at CalebHammer.com. It just takes you a few minutes. You can see where you stand, where you need to do better, where you're already doing pretty well. If you don't want to be like a guest on this show, make sure you download the DollarWise budgeting app. It is my preferred budgeting app. Sign up for the free trial. And if you like it, sign up for the annual version to save a ton of money. And if you do, I will sign personally my budget-friendly cookbook, and I'll mail it directly to you. And that is going away in just a couple months.

29:22So last opportunity is popping up now. Dollarwise.com to learn more there. Okay. Let's jump into these documents. Okay. There's venture one. Yeah, you have it. I mean, I see things on here. And again, you can't afford to take care of this animal. It's very selfish for you. So you just have one dog, right? at least? No. No, because you said you have a few cats. What's the animal situation? Dog-wise, so personally, I have one dog. But I did have other dogs. You had other dogs? Yeah, I kind of gave them to my mom. Pushed them to the side. I have… Did she want them? No. Is she managing them? Yes. I mean…

30:06But the dogs love them. Three dogs! You just dropped three dogs off the house and said good luck? Four. Four dogs. Four? Mm-hmm. Two chihuahuas. Why the f*** did you have these dogs you can't afford to take care of yourself? It is so selfish and disgusting of you. I wanted the dogs. I wanted the inside dog. Why did exactly you did? You're selfish. You're nasty. You're disgusting. Well they didn't want to be inside. They wanted to be outside. What? So I kind of just pushed them to my mom. Huh? What does that have to do with anything? Well… Them being outside. Yeah. Take them on walks. Walk them to being a dog caretaker, owner, whatever the f***.

30:40you want to call it? Parents. Beforehand when I had my apartment before all this way back when I would get What? Two years ago? Maybe yeah. Yeah. Way back when. I would get dogs. Well I would get a dog and I wanted them to be inside dogs. But they wouldn't want to be inside. So. Yeah dogs like to go outside. No shit you f***ing tit. Yeah. So I just gave them to my mom. And the cats. Yeah. Cats were kind of friends would give me cats and I would kind of just give them to my mom. Her house is bigger than my old apartment. How many square feet? Huh? How many square feet is her house? I have no idea.

31:22How many bedrooms and bathrooms? Five bedrooms, two bathrooms. Just because it's that many rooms, it's not a big house though. Not humongous. That's what I was assuming with two bathrooms. Yeah. And it's just loaded up with animals. That you can take care of to save your life. It's very selfish. I mean, they're fed. So what has your debt payoff strategy been, if anything? So my goal, I mean, is to be debt-free by 2026. Good. Yeah, but how are you supposed to be accomplishing that? By what my mystic had told me. When we had one of our sessions, she kind of read my cards and told me by 2026, I would be debt-free.

32:03The cards said that? No, you know what actions you actually have to put in. It's you building a budget Following it Making sacrifices And going out And getting a f***ing killing Oh dude It's not a f***ing card It's your actions It doesn't just happen Until what? You're gonna win the lottery? You're gonna get hit by a car And you're gonna be able To sue for a lot of money? Like what's gonna happen? What was the What did the card say Was gonna happen To get you there big guy? I mean the cards just read That I would be debt free And successful In the year 2020 How? 26 sorry How? Which by the way Is only in a few months when it starts, but how?

32:39Everything's possible. How? I don't know. Come on, listen to that. What's the strategy? I can do OnlyFans. No, you can't. Oh, what do you mean no? You're not that guy. Try me. No, no thank you. You are the Hispanic, puffier cheek version of me. And gay. Look, we both got a five head. Put on… That was my gayer haircut before I started doing perms. You do look like the Hispanic gay puffy cheek version of me. You're not that guy. The better version. You're not that guy. I am. I'm a bad bitch. Put this on. Oh my god. Don't touch the lenses. You f***ing animal. Now editor, bring in when I had this haircut.

33:25Bring in when I had this haircut. Even with context, the fact that I can see with your glasses. Inspector! That's me. Because I'm committing crimes. Can you not see without them? I'm… My contacts. What is wrong with you? You're not wearing them? Yeah I am. Give me. Give me.

33:44So we're twins? No you're the puffy taco version. My twin flame. There we go. Huh? Twin flame. We're connected. I'm just saying, you're not that guy. I'm not that guy. We're not that guy. I am that guy. You're not that guy pal. Trust me. You're not that guy. No you would not be able to post whole. No one's paying for whole. I mean I already have it I know you have hole No And how Did you know this? Colton didn't even know this My bad I mean I don't really I mean I post on it How much do you make? Nothing Uh huh So that's your strategy Is to Keep posting on the thing That brings in zero Is it literally zero?

34:26I think I have like 20 bucks on it right now What is that? Two subs? Yeah I think so No I think it was one Just reoccurring though Someone who forgot to cancel. Someone who was curious a long time ago and didn't forget. I still get paid for it? No sh**. But it's not like actively going for you. And what? You're just every once in a while posting a hole for him? I mean I also have plants that I sell. It's probably the mystic isn't it? No. She's lesbian. Uh-huh. But she's supportive of her boy. Of course. But yeah. I also do sell plants on the side. So that kind of helps. Does that mean weed? I'm not a crack kid okay.

35:06Well it's weed not crack. Still. No. I'm also you know taking the Hispanic nature of things. Oh no. I sell plants. Just regular plants. And? I have 350 plants. So I sell a lot of those. And? I mean that's some type of money. How much? I mean… Why the f*** get to it? $5,$10. Shut the f*** up. So I can't add it to this. I mean… A month on average. How much? Maybe like a hundred bucks. I didn't f***ing believe that. It's the money? What is your fake little laugh after everything? It's obnoxious. It's fun. No, it's not. You know you're in a podcast. Every single second of audio is being recorded right now.

36:00And you're just making a little… Lose constantly. Okay. Not getting the second person to sign up for that OF, I'll tell you that. Oh, we can try. You can certainly try. I'll post more. No. You're not that guy. Capital One Venture One. Mm-hmm. $2 ,083.29. Minimum due,$149. I think it's usually, what,$75? Because that is probably amplified due to… A pass payment. Now why? Now why? Why? Because you're getting unemployment. You had money. You're making money. Your parents cover everything. Your grandma gives you money. Why? Why are you laying on a$75 payment, which is now doubled to$150? Why? Well, because I took a trip to Chicago.

36:49Who the f*** are you to think you get to— Is that funny? I mean, I had to go see Lady Gaga. She's not coming to Houston. Well, now— No, she's coming to Austin and Dallas, not Houston. But beforehand she wasn't So I had to go see her in Chicago Great concert Well unemployed? Yeah You're a joke Gotta have fun No you're a f***ing joke No That's not a joke You're a joke You're a child I had fun You do not get to splurge Go to a concert when unemployed And you owe money And you're living off of your f***ing grandmother You disgusting creature Who are you? What kind of entitlement piece of s*** Is in front of me right now?

37:28What is wrong with you? Nothing. You don't get to go to Lady Gaga. Certainly not across the f***ing country. South to north. It was fun though. I'm sure it was. You disgusting beast. I mean the tickets were already paid for. I just bought the plane ticket and the hotel. How much was the plane ticket? Like 300? 3-400? You're f***ing. You're disgusting. You borrow almost that much from your grandma a month. and you take that and go to f***ing Chicago for Lady Gaga. That is disgusting. Are you not recognizing how disgusting that is? No. You are a selfish asshole. Well, I have to live life. No. You can live life when you afford to do it.

38:15You are stealing from grandma to try to make it sound like you're paying the bills and then you're taking a flight. You're a disgusting, selfish piece of s***. I'm being candid right now. You are a bad person. Well… No, you're a bad person. Well, I have to have fun. No, you are a bad person. I need you to know you are a bad person. And that's okay. You're accepting of it. You're okay with being a bad person because it's not like you're impacting a random person on the street. This is your grandmother. Well, I know she has money. So, I mean… Oh, wow. Wow. Oh, my goodness. If I don't have it, I can ask for it.

38:57Wow, you're horrible. You're a degenerate. You are horrible, man. I'm not saying this is an insult. I am saying for you to know, if no one has ever told you the truth and reality about you being a dog shit version of a human, you're a bad person. Straight up. I mean, not really. No. Go ahead. Tell me how. And what rebuttal would there be? I mean…

39:30I mean I still help out. So I'm not that bad of a person. Tell me you still help out. I mean like when she asks like if I could take her to the doctor's office. I'll take her. Or she has a cat too. She has two cats. So if they need help… Why do you work to the doctor you think is worth manipulating her for money? Because you tell her you're going to pay your bills and then you don't. and then you fly to Chicago with the money or give it to your friend who you pay to be your friend. My mistake. For 15 % a month of your, well, past income. I guess that doesn't even count anymore. You're a piece of sh...

40:04And then the laundry and food, how much did you spend in Chicago? Maybe like six, 700. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. That was the hotel, the Ubers, the food, going out. We spent$1 ,200. Yeah.

40:501 ,200 to 1 ,300 on this trip while unemployed and getting the money from your grandma to pay your bills. And then we look and you're behind on a credit card so that you can go to Lady Gaga in Chicago. Gross. Again, it was fun. No. Oh, my goodness. I don't. What do I do with someone like you? I know it was fun. No one's arguing that. I want to be clear. And I also want to be vehemently clear. I actually want you to go. I have another concert this week, too, actually. this Tuesday. In Houston. How much did you spend on it? I think that ticket was like $120. What's the concert? Marina and the Diamonds.

41:32Like pop music. And when did you get it? I think right before I got laid off. It's a little more reasonable. Listen, you probably still couldn't have afforded it. But I want to be again clear as day. I want I want you to go to Chicago to see Lady Gaga if you want to, but only if you do not have any bad debt because that is holding you back in life and creating risk over your head that you are now realizing because you had to move back in with family because you got laid off and you did not actually set yourself up for any type of success, whatever. And only when you can fit it into 30 % of your income because you are at minimum contributing 20 % for retirement.

42:15After that, I want you to do it. I want you to blow 30 % of whatever the f*** you want. It could be anything. I have another concert to go to also. That was in November though. That was in Dallas. Plus the hotel. November's next month. Yeah. Don't try to bring language to it like it's a year from now. It is next month. In Dallas. Meaning you are spending gas, you are getting food, and you're likely getting a hotel. Oh yeah. From grandma. You're disgusting. That's how I bought the ticket. No. To be very clear, you are one of the worst people that has sat in that seat in a long time. It's okay. No.

42:57I get to live my life though. Deep down person. I've had people that are annoying me for various reasons. I have had bad debt. You're one of the worst people to sit there. You are disgusting. Manipulating your grandma for money to pay your bills. Then you don't pay your bills. And then you go to Chicago. I have to live my life. You. You shouldn't even be getting help right now. You shouldn't even have me go through your finances. So if people weren't enjoying this episode, I would stop right now and I'd tell you to go yourself. But instead, I'll tell you to go yourself, but I'm going to at least keep going.

43:27And I'll put on OnlyFans. Let's talk about phone bills, because why are we still paying$100 a month just to check emails and scroll on TikTok longer than we should be? Helium Mobile is today's sponsor, and honestly, it is flipping the entire phone industry on its head. They've got a zero plan for zero dollars. No contract, no credit card, just free cell service. Yeah, free. You bring in your own phone, your own number, and suddenly you're not getting ripped off anymore. And if you're a parent, they've even got a$5 a month kids plan because your kid doesn't need unlimited data to text you, I forgot my lunch.

44:04And the coverage, it's legit. You get nationwide 5G and a first-of-its-kind network powered by regular folks across the United States by tapping into the community-built Helium network instead of depending solely on the big towers. They're able to keep costs low without compromising coverage. And here's the kicker. They'll reward you with cloud points for just using your phone. You can cash those in for stuff like Amazon and Apple gift cards. So yeah, stop letting your carrier rob you blind. Download Helium Mobile today at HeliumMobile.com. Let's get back to the episode. It's a win-win. You get money and I get money.

44:42These are called affiliates. And you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use. And you get up to a$350 bonus with a new Chime checking account and earn up to 3.5 % APY on your savings. And second, my investing app of choice these days is Webull. and get a 2 % match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the sign-up bonus is only$5, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy! Links are in the description below.

45:18And no one will watch. Not even the one who forgot to cancel. I have my followers. Hey, at least the one will be paid, though. When did you buy the Dallas tickets, asshole? I think after I got laid off. I have to go. You do not. Yes. Why do you have to? It's Dom Dalla. I have to go. Okay, that means nothing to me. Why do you have to go though? Because he never comes. So I want to go see him. Is this true Brandon? You like DJs. Brandon's saying no and he lives in Dallas. You don't know what you're talking about. It's Dom Dalla. You are wrong. He played ACL and then he played after it's at Emo's.

45:56Oh I didn't know that one. I know ACL because I went there. You were wrong. That's why I want to see him again. So it's again. So you're not even right. It's not that he never comes. He just did Austin City Limits. Last year. Austin. A-C-L. Austin. City Limits. City Limits. Music Festival. And then went to a club afterwards. Why didn't I know that one? You're a piece of s**t. You're lying. I have to go see him. And trying to manipulate me about how this is a once in a lifetime thing when you've already done it. Shut up. So? I want to see him again.

46:30I actually had tickets to go to ACL. For next weekend.

46:41So you're getting a hotel for three days. Because there's no way you're driving from Houston every day. No, not ACL. I'm not going to ACL. I want to. You just said you were. No, I went last year. I said I had tickets for next weekend. Not anymore though. You sold them? Mm-hmm. Why? I really didn't like the lineup. That's why. Not because he was trying to be a good person. Do you realize what you are? A bad bitch. You… A bougie bitch. Bad bitch. I need to go to concerts.

47:1913 years to pay this off. Minimum monthly payments only if you don't purchase. and you're not even making your minimum payments and you're certainly not purchasing because you're over the limit by$83.29 because you don't make payments because you're selfish and irresponsible and a child and immature in every way whatsoever. Yeah. You better, there's no disagreement. That it's impossible. What? Now you say you gotta spend. This makes no sense. Every time there's anything you've ever done wrong, it's I gotta. Yes. Why do you gotta? Because I want to go out. So I have to. So you want. Now you got.

47:56You want. Same thing. No, it is not. You need to pay your electricity bill. You want to go get drinks at the bar. They are not the same thing. So I got to go to get drinks. This is because you are a spoiled brat whose mommy and daddy and grandma have enabled his or they them's lifestyle. They them's entire life. And you're a freaking freak now. You're a piece of sh** who's a scourge on this planet that we should honestly f**k lock up. You're welcome. Keep you away from the rest of us. Well. Not a homophobic thing. I just mean he's a piece of sh**. To be very clear. I know some people will read that out of context.

48:40You're just a piece of sh**. Anyone that takes advantage of their family like you, f**k go to the dirt. Not death. F**k you. You hold the rest of us back. You hold back the human race. You're nasty. No. I'm fun. No. Because this is the least fun 47 minutes I've currently sat through in months. Well. You're horrible. And I'm making sure I reiterate that over and over again. Because I don't think people have told you that enough in your life. I have 29 years to catch up on for that. You can say it. I'll just say I'm fun. You've dumb f***ed. Have you been listening? It's okay. Right. Past due. Total interest this year so far.

49:27Almost 500 bucks. At a 28.99 % interest rate. Sometimes people say, I'm too mean. I just don't forget. If this isn't warranted, I don't know what is. Okay. What is this? Afterpay? Affirm? What? What am I looking at? What are you affirming while living at home with your parents and being enabled by them? Let me see. I have a couple Amazon orders. Ticketmaster? I did. Oh yeah. Pay for your sh**. Well technically yes. What? Well because… That one what? That one's for Tuesday. So it's not just me and myself going. It's five other people. But I put most of the payment down. So my payment's only$5. What?

50:10Huh? Splitting that payment between all of us. I had to put a… You mean like a month or whatever? Yes. Yeah. So they give you money to make the payment. Let's hope they don't f*** that up. No. Pull up your firm. Let me see. You owe a total of$2 ,029.91.

50:31What do you do? Okay, I'll have it up. The Burlington Coat Event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Do you want to see it?

51:09Amazon, I don't remember what I ordered from there. Oh, wait, it went blank. Let me see. Oh. So$29.24. It's a$24.36 payment a month. You're losing interest like crazy. I know for a fact with a payment that low, you're at about 36 % interest. Amazon. Not all the orders are mine though. It's always convenient. But I can tell you which ones they are. Wired earbuds. They look like Apple ones. They're not. Yeah, that was my phone. I thought they were. You really are? Well my bad. I just clicked on the top one. Oh f***. Usually supposed to be. Oh he's. Oh okay. Okay. We should keep you at home. No. I should be out.

52:00I think you shouldn't move out. I think I deserve it. You got s*** to break the soil. Like I said. Nut milk bag. Most of them are not mines. Nut milk bag. That one is my soul. Classic juice bottle. Mm-hmm. Omega-3 fatty acids. Cruise essential flat plug. You're not going on a cruise, are you, asshole? No. Good. It's an outlet, not a cruise. Oh, the brand is cruise essentials. Fuel pump mounting plate. A Marshall cat water fountain. Yeah, you definitely didn't have water for them ever before, right? Asshole, you don't need to get that right now. Black satin fabric by the yard. I don't... some screw eye pin screws 100 piece nursery growing bags we know that's you and you're not getting a return on investment 5 pack 10 gallon thickened grow bags I'm glad this guy's allowed to have all these hobbies while not working and taking from his grandma to go to Chicago for a Lady Gaga concert what a dick more nursery bullshit organic dog shampoo that is a more budget friendly way than going to the groomer so I can appreciate that to a certain point obviously make sure you take care of their like when they get all matted up or whatever it's called calendars yeah none of us have calendars on our phones privacy iPhone sticker endless endless cat litter for all the cats the ordinary got lots of the ordinary skin care lots of the ordinary skin care nourishing oil to foam cleanser it's not working buddy It's not working.

53:38And two, there's no point anyway. You're scrunching your forehead so much you're going to look like you're 80 at 30. It's okay. That's what Botox is for. Which you have not done in a preventative manner. It's okay. I can still go get it. You say that for everything. Okay, great. Wonderful. You got a daily planner. Again, definitely don't have no apps on our iPhone. Endless bags of cat litter. Lots of plant stuff. We got a fan. I mean, it's just like you don't need to be doing this hobby right now. You don't. Let's get your subscriptions over here. You don't need to be doing these hobbies right now when you are sitting there manipulating your family.

54:14It is disgusting. You should be spending all your time curating your resumes for the specific jobs that you are trying to do, which you're not even doing for your bartending job. I thought it was just one resume and that's it. I mean, it's on there. I did the bartending classes. Apple Music, iCloud Plus, had Audible, had Instagram a couple times. multiple different… Oh, he's paying for a few Instagrams. You know what he's paying for? Unfollow Tracker. He's following who's unfollowing him. What are you, a middle schooler? Why? I gotta unfollow if you're not gonna follow me. Such a… Yeah, I told you he was a petty, sassy gay.

54:53I told you. I know this. And then FaceShift… High Face. Face Shape Finder. I think that was an editing app. I know you need it. I think. Not for that. Oh, Colton's calling you a plant gay. That's true. I forgot that term. Yes. I forgot that term. You are a plant gay. You can't afford to be a plant gay right now, though. You can't. It's not the time. You should be spending all your plant gay time on gay applying to jobs. I mean, I applied to jobs. Not in the way that is obviously working, though. Five a week's a joke. You're a joke. Oh, what a disgusting animal. What a disgusting animal. I mean, I'm still applying though.

55:35Shut the f*** up. Not in any kind of way. So it's not like I'm not trying. You're applying minimum weight to probably keep unemployment for a while. Any other kind of benefits you're getting. You spent over a thousand hours on plant seeds. Yes. What? It's a variegated one. What? You want to see I have a picture of it? Shut the f*** up. No. Look. Never. Not once will I ever look. Care credit. What happened with this? This is… That's for the animals. Because you're an irresponsible person that got animals when you couldn't afford to deal with them. Yes, who would have thought? But I'm taking care of them.

56:08Well, until this is maxed out and then you can't, asshole. No, that's not true. $1 ,324.88. You can do that one more time and then it's maxed out. And then as they have an emergency, how the fuck are you going to cover it? Good luck. Good luck to them. Bad owner. No. Yes. They got their vaccines and everything. Minimum of the payment,$44. You did the bare minimums. You're not able to take care of an emergency. You're not able to take care, and there will be. They're animals. They go crazy, especially if a lot of them are outside all the time. They will eat something or get injured by something.

56:38Well, then we'll ask Grandma Tavaral money again. Then they're taken care of.

56:50Honestly

56:54I mean they're not being healthy right now Shut the f*** up. I'm talking. That's all that matters. I'm talking. Mr. Vice President, I'm speaking. I have to weigh in. I'm speaking. Well. I don't know how you are comfortable living the life you do, living in your own skin, being this disgusting creature that you are. A great vibe that I am. No. Yes. Objectively, no. No one that talks about their grandma like that has any kind of good vibe. You are a vibe that is a plague to anyone around you. You and your other person that you pay, your vibe queen, whatever you call her. Mystic. Bring each other down.

57:35No. Yes. Look where you both are. You're both failures. You do nothing. And you're losers. And you manipulate people to get what you want and live the life you want. Exactly. But fun. I'm living my life. at the expense of others. Yes.

57:59I mean if I want to do it I have to do it. There's a concert I want to go to I have to go to it. Even if I have to figure out What if you want to have sex with someone who doesn't want to have sex with you? Then I won't do it. So where do you draw the line? You're okay with using other people's money when they don't necessarily want to do it for the things that you want to do it for? Because you're okay with doing a lot of things that other people don't want to do. If they don't draw the line then I'm not going to draw the line either. No, your grandma thinks she's giving you the money to pay the bills.

58:23That is what you said earlier. Yeah, to pay the dog food, cat food. Exactly. So where do you draw the line? I mean, they have food. Oh my gosh. Oh, you're impossible. You might be the biggest… Where is he on the line of being the biggest piece of shit on financial audit? The farthest. Are you proud of that? Are you proud of being a horrible, horrendous person? I'm not though. Yes, you are. Can you give me anything that suggests that you're not? Like I said, I mean, I help out. Dude, driving her to the doctor here and there. Yeah, sure. Great. You did a minimum basic responsibility of a grandson.

58:59Well done. Take care of her animals when she needs it. Once in a while, though. I think I'm a good person, though. Oh, my. Yeah, you know what a good person doesn't do? When you're maxed out on your affirm, you have a firm via your brother's account. Oh, yeah. And then you're late paying him to make the payments. I don't know if you're a credit. F*** him over. No. Yes. Yes. If it's on his credit, his affirming, you're not paying him in time. You are f***ing him over. You cannot tell me no from that. That is as black and white as possible. If you do not give him the payment of time, you are objectively f***ing him over.

59:39How can you tell me no? If I don't make the payment, then he will. So, I mean, the payment's still being made. Dude. Dude. You're a f***ing asshole. It's still being made. Oh. I can't reason with you. Well.

59:55Again, the payment's being made. So I was not messing him up. Believe it or not from these conversations, ladies and gentlemen, as surprising as you guys may find it, my blood pressure often does not rise during these because people annoy me. The debts are crazy, but I've gotten used to them. I see it. It's normal. And it brings a little bit of outrage, sure. But this, I feel my blood pressure rising more than I have felt in any episode in a very long time. Because I am enraged at you. Because you are just, you're the worst. You should get it checked out then. It is rising at this moment. It is not high on average.

1:00:33Do you know how blood pressure works? No. You are a... But living my life. Only because of others. Mm-hmm. You will never be able to do anything on your own. You're a failure. No Please tell me I'll figure it out Oh That's the evidence we have To suggest we're not a failure I'll figure it out It's okay I'll go to my mystic And have my cards read again Yeah bring each other down Bring each other down even further She'll point me to the right I'm calling your mystic in the post show That's fine She can read your cards JL recovery Collections I believe so Usually recovery is collections Yeah What is this for?

1:01:15$535 $25.65. That's an old credit card. I think that was my first credit card ever. And why didn't you pay it? I maxed it out. And I think I got a new card. Why didn't you pay it? I think it was on auto pay but… So why didn't you pay it? I'll keep asking that. You don't let me explain. Please. I lost the card and I didn't change it or update it. So it doesn't matter. You think… Guys, if I don't have my physical card on me, I actually can't make a payment in the app or online. What? Well, this is how it didn't have an app. Bullsh**. It was just online. Okay, go online again. You have a physical card.

1:01:51It does nothing. I just forgot to change it. No, you just have to make the payment. It's not about changing it. It's the payment. Exactly. Well, I had on auto pay with my old card. Then when I lost that one, I didn't go back and update it. So I just forgot about the - You're not a credit card person. I'll maybe allow you to use the Fizz card, debit card that builds credit. A lot of people have used that to build credit in the audience. With you, you're a piece of shit. I don't know if I want to give you. You might be the first guest I turned down the resources for that we provide for free. That's why I came to you, to help me.

1:02:27No. I don't believe it for a second. Maybe you had that in the bottom of your heart, but you're digging a hole. You're putting your pin in the ground and you're just holding to it. No. No. You just did right there. Yes. Quicksilver. What's going on? That one was my second credit card I opened. Yeah. My second one. That one I think is maxed out. Because I would go out too. It's over maxed out. Oh yeah. Then yeah. I mean I would go out. Get drinks. Food. Buy things I saw online.

1:03:23Okay. How much did you spend on groceries last month versus how much did you spend going out to eat? Groceries… When zero dollars came in. Maybe like 60 bucks. Okay. And going out to eat? Maybe like 400… Why is that considered acceptable at all for someone unemployed abusing their family? Because I mean… I get tired of eating at home. I want to go out and eat at a restaurant. Why do you think your want supersedes you just being an adult? Why do you think that? Where is that stemming from in your life? Because you have to live life. You need therapy. No. That's what I have my mystic for.

1:04:01It's okay. She can read your cards on the post. 171 groceries. 514 going out to eat. 514. Not a crazy number compared to this show. zero dollars of income laid off abusing his family crazy number

1:04:17it was good food though doubt it no

1:04:23it was nice restaurants was it? look at you your face is drooping it was good food at least my fatness likes to stay nice and firm yours is just like hanging you're starting to he's turning into I still look good though he's turning into the What was that? It was like an animated character who was always like... And like he just sagged. I think it was a dog. I'm a failure. Who watches anime? Huh? Who watches anime? Animated character. Who watches anime? A lot of the world. I'm not even defending it, but like everyone. No. No, okay. Go to Rebottle. I don't know what that is. You don't know what the rebuttal is No

1:05:15Alright I'm advocating for opening a camp That we put People like him in And it'll be fun How do we determine them How do we determine what people like you are I don't know yet but We need to keep you away from this world It'll be a fun camp though And I don't actually mean that to be clear But it's just like it's i don't know man there's something wrong with you you don't even know what the word rebuttal means like i don't even know how to deal with that like i'm kind of retarded i'll be honest i'll be honest with you i'm kind of retarded like i'm dumb in a lot of things but i just i'm i'm concerned at your lack of everything his face is doing this this is what his face is doing He looks like this.

1:06:03Oh my god. No, I do not. Yes, he does.

1:06:14I do not look like that. Again, like I said, I can just go get Botox. That's more preventative than it is post-care. I mean… And you're not. And you can't afford it, by the way. Botox is not… I mean, I'll find somebody to… You're getting back alley Botox. No, not like that. So I'll find somebody to pay for it. You're horrendous. Listen, you actually had transactions, then interest hit, and it pushed you over the credit limit on this Quicksilver card. So you had$51.01 of purchases. Then$12.20 of interest. McDonald's, McDonald's, H &M. Oh, yeah. There's the good thing. I love H &M. Oh, well, it might have been quick food.

1:06:59because I rarely go to McDonald's. Don't even look at me like that. Well, there it is, you asshole. You've also had a late fee this year so far. I got that one waived though. I did call him and get it waived. You didn't. For this year, yes. No, it's there. That might be a different card, you dick. Well, one of them was waived. Great. This wasn't. Well, I can give him a call. No, I highly doubt it because it's not even this month. This is old. It's old. It's been this year so far. I'll still give him a call. Yeah, you can give him a call. Then I'll be under. Good luck. You asked for it, and I'm delivering a way to connect the dots to see how the stuff we talk about applies to you, your money, your debt, and your goals.

1:07:50The wait is over because Master Your Money, my all-in-one personal finance platform, is finally live. Inside, you'll get access to all of my courses, budgeting templates, calculators, a community of like-minded budgeters, exclusive content, weekly tips, and free access to the DollarWise Premium budgeting app. Learn everything from budgeting to investing, tune in weekly for Behind the Budget, a Master Your Money exclusive, and join members' monthly challenges to celebrate your wins. And since it's Black Friday, I'm giving you access to our members exclusive audits, financial audit post shows, and more insider content in our newly upgraded Hammer Elite 3.0 membership.

1:08:32I've wrapped it all into what I'm calling the Ultimate Hammer Bundle. Sign up for Master Your Money today and get lifetime pricing at just$39.99 a month, over$100 in annual savings, and access to the DollarWise Budgeting App Premium version, one month of Hammer Elite 3.0 for free, plus a free budget-friendly cookbook that you can download. This insane offer ends after Black Friday. So if you want to master your money, click below and get started today. Guys, just real quick, don't forget to take your Hammer financial score at calebhammer.com. See where you stand, where you got to do better, where you're doing shit.

1:09:08Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money, calebhammer.com. Uh, yeah, give him a call, guy, and do whatever you think that is. Ask him to weigh the fee. Is that H &M? This one? Yeah actually. And the jeans. It is affordable clothing but I highly doubt you don't have clothing. I highly doubt you don't have clothing. I have… Yeah I do. I go to H &M a lot. I do buy Gymshark. I love Gymshark. Gymshark. What? What is it? Like workout clothes. Okay. So that you can put them in the closet? No I use them.

1:09:50I go work out.

1:09:54Okay. Maybe. 28.99 % interest rate. What is this? Oh this is overdue you f***. What is overdue? Oh that's cash out. What about it? Don't die. What about it? Cash out. I borrowed that money… I think to… buy plants stuff. Or plants in general. Is it the advanced pay type thing? Yeah. Listen, I talk about this and I will talk about this just like any credit cards, just like consolidation, just like bankruptcy. Even the pay advance stuff is not necessarily a bad tool. You can use it to your advantage, but if you're not a credit card person, you're not a pay advance person, you cannot use these tools.

1:10:39And you obviously cannot. I can. You cannot. Colton can. You cannot. Brandon and Lindsay can, you cannot. It was getting paid. This audience likely can. You cannot. So it doesn't matter. Why use a tool that is obviously f***ing you? It was getting paid. It's not paid, though, so that's all that matters. Was. Yes, why do I care about was? Why do I care about was? Why is was what matters at all? Because there was some payments made. But why does was matter? It is not being paid now. Now is what matters. Now in the future, I don't give a f*** about the past. Well it's overdue now That's what I'm saying you dumb It'll just sit there it's okay Oh Colton Colton never again please That's not a joke you're horrible You say you come here to get help I don't see it You're not even willing to acknowledge That this is bad The money was used already I can't pay it back How does that make it back What?

1:11:42How are you using that as a justification? How? Explain to me how that justifies it in detail. In detail. I really want to understand your logic. Please. Please. Please! It'll get paid eventually. That's not the logic. That's not the logic. You said it's okay because you already spent the money. Explain how that justifies it. Well, the money's gone. Oh, you can't answer questions. You can't answer questions to save your life. You can't even define your own worldview of moronic.

1:12:16You don't get paid attention. At some point, someday. Okay, so you have four catchphrases, huh? Sure.

1:12:27Ford Blue Cruise Hands-Free Highway Driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control. Enjoy the drive in Blue Cruise-enabled vehicles like the F-150, Explorer, and Mustang Mach-E. Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details.

1:12:57Is there like, oh, you just have to pay that back all on a lump sum. There's not like a minimum payment or anything. It's just like you have to pay that back. Yeah. I think that one does acquire the interest weekly I think. Did you type that Colton? Colton typed… Who is a very gay man by the way. And we love that. We love that. But he typed that he is getting closer to understanding homophobia. Via this episode.

1:13:32But yeah. That's my cash out. Oh is it? Is it? Asshole. Shut the f*** up.

1:13:40Capital One. Just the regular Capital One. What's going on with this? Oh, it's over maxed out. Who would have f***ing thought? Which one? I have three cards with them. Shut up. Oh my plan. We already did Venture. We already did Quicksilver. Yeah. I just use whatever is available. No s***. No s***. And now nothing is. there's another one in your catchphrases 202 and 29 cents with a minimum payment of 25 dollars no late fees on that one though we'll see 82 dollars of purchases and 5 dollars 36 cents of interest then because of the purchasing putting it above the limit every card card we've looked at so far is above the limit it's horrible Why just use it?

1:14:34I'll pay the minimum. Insightful. Ladies and gentlemen. He's… Put him on a public speaking tour right now. There's been two late fees this year so far. So to your no late fees, I say f*** you. Well, that's probably the one I called to get away. No, they're right here. One of them I called to get away. No, it is here. If you got one to wave, that means you've got three and two are posted. which is probably very possible given your situation and lack of maturity. You probably didn't even know the other two happened. Yeah, no. Amazon? Vending machine? Oh, yeah. Gas? That's okay, but I wouldn't put it on a credit card that I can't pay off that is accruing interest and pushing it above a limit.

1:15:18Fuck you. And then I think you got some bullshit potentially at Walmart. I don't know. No one really goes and gets$19 a grocery. Certainly not someone who doesn't cook. I can cook. But you don't. I know you probably can. You're a human that exists with hands. I can cook. I'd rather not. I'd rather not. Colton, he's a moron. I'd rather just go out. Colton, he's literally an idiot. I don't know if I've met a dumber person created on this planet. Colton, why is he... Here. How long did your conversations take? I think so. He handed you two onboarding phone calls. That means you're special. Not in the good way.

1:15:58No, you didn't clarify. I just did. Before. What? What the? In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middleman markups and put American patients first. Visit phrma.org slash middleman. Half a second gap in between. Matter of interest as well. Your late fees above the limits, purchasing on bulls, nothing's good.

1:16:41The only purchase that wasn't 100 % bulls that we've looked at so far was gas, but even that shouldn't be on a credit card like this anyway. I used to drive an hour and a half to work. This is when you're unemployed Asshole Shut up It's at a 31 % interest rate Congratulations Really funding my stock in Capital One You're welcome What is this? Klarna Okay That one was an Amazon Failed payment Five days late five days late. That was after I got laid off. That was Amazon. I'm sorry. What else did he do when he was after laid off? Well, Wynn to Berkshire's a DJ that he never sees because he never comes down and came down last year and he saw him.

1:17:32And also Wynn and spent $1 ,300 in Chicago. Die. Die. Don't die, actually. I don't want you to die. But just stop existing in front of me. You're just horrible. I bought Amazon and that was vitamins for my dog. You see, I thought you stinking care of. Doubt it though, I just don't believe you. I saw your Amazon Amazon pop patch. Or plant. Well I mean yeah. I have to sell plants. You're not selling. 141.9. I'll put you on here. Minimum to boomerang. No, you're late constantly. You probably just owe that and then you're done. Dick. Yes. Oh f***. Okay.

1:18:19Oh, that's my chase. That was actually for the tickets I purchased to go to Vegas for a show. What the f***? F***? Why? When was Vegas? I think I was supposed to go in March. Oh. But I ended up returning those tickets. But they're not paying? Yeah, no. I used the money for other stuff. I think it was Vegas and then… I don't remember what the other one is. Oh, Craftland. That was this place in Houston that I went to.

1:18:58Uh-huh. And I did the pay in four. And I didn't make the payments on that either. No, you certainly did not. I think that's like from a year ago. There's Craftland in Vegas. Pay in four. Didn't go to the festival. Paid in none. I paid half for both. Oh, you're a piece of s***. So they got something back… Shut the f*** up. Shut the f*** up. Something was paid.

1:19:32Half of Vegas was paid. Only one of four from Craftland. So you can't even genuinely… You can't even accurately speak on what's happening. Something was paid though. I think that was like last year though.

1:19:50Okay, so this Chase paying for... You owe$428.16. Minimum monthly. You only have to do it a couple times, dick. That was$171 I owe. No. Do math. I think I did do my math. No, buddy, you don't know what numbers are. $171.58. as your minimum monthly. That's your minimum! No that's total due. That's your total due in a minimum way. Buddy I see it right here.

1:20:29F*** off. They'll eventually get paid. F*** off. You don't know. Shut up. I want to hear you. What's this? That was a personal loan I took out. Oh god. For what? That was back in 2021. I did it to do… What's your minimum monthly? I don't know. That one's in collections. That one I had taken out to go do a lipo 360 at the time. What? Lipo 360. What? I gone to Mexico to get lipo. Did it work? Yes and no. You got lipo suction? Yeah. Instead of just dealing with your… I mean it's… I didn't do it again. It's on your face though. No. I just got it here. My stomach area. 2021. I went to Mexico for it.

1:21:21How much did they take? Four liters? Four or five I think he said. How many pounds is that? I don't know. It was in Mexico. So the metrics are different. Yes. I don't know the metrics over there. But yeah it was…

1:21:39But yeah. I didn't. May 2021. Was it worth it? Because now it's in collections. I mean it was nice when I did it. Surgery kind of went… I woke up during the surgery. I don't think I was supposed to though. I consciously woke up? Yeah. Did they put you back to sleep? Yeah right away. Well that's good. How long were you awake? Like five minutes. And you saw them inside of you? Yeah. I felt the water going in and out. That's not good. Yeah I know. I'd do it again though. Maybe not in Mexico. But I'd go somewhere else to do it again. Were you born here? Yeah. We can't send him back. I mean I go back.

1:22:17Permanently? Yeah. I think it's better than the US so… Good. Totally agree. I'll stay here because of you. You. You know what? I'll come and move to Austin next to you. It's okay. We're moving away. It's okay. I'll just follow you. You can't afford where we're going. That's why I said we're twin flames.

1:22:44What's this? Another little loan. Four. I think that one I tick off to pay rent once. Yeah. Okay. I think it was… 300. 175. Yeah. It was a two payment thing split in two. It was four payments. I just missed two. What is wrong with you? Why are you never able to make any payments on anything? Because I like to spend. Yeah. I like to go and spend. No, this was for Christmas gifts. It wasn't for rent. Oh, there it goes. That's what it was. How do you not even know your own shit? I just take it out and I use it. Oh my goodness. There's no words to describe you that are insulting enough. They at least got half the payment.

1:23:30So some of it was paid.

1:23:35But yeah. Is it in collections or do you owe it? No, I still owe it. I don't think they go to collections. Anything can go to collections pretty much. Well, that one's been like a year. It's probably in their internal collections. You owe 175. Do it up front, 175.

1:23:58So put that as your minimum, but it pays it off.

1:24:03This is… You just wrote everything we've already seen. So yeah. Let's see it. Okay. Money owed to grandma? Yeah. Oh yeah. Good. Is she taking a tally? Because she should. I take the tally on that one. She just gives me money. But you know I kind of still write it down. What have you tallied it to? Well I think$21 ,000. $23 ,000 I owe her. Yeah. So whenever I would have things like say my car needed tires. She would pay for it. Or like my trips. You see? She would give me money for the trips. Let's see what else.

1:24:43Bills. Some bills when I would be late, I would ask her for it.

1:24:49But yeah, that's kind of how I racked all up. $23 ,000 to your grandmother. How old is she? She was 52. Let me see. That's incredibly young. Are you sure? You're almost 30. 73. No, she was born 52. Oh. You're taking this from a 73-year-old woman? I mean, she has money. For her. For her retirement and survival and medical and whatnot that pops up. Life, asshole. And her having money doesn't mean it's going to enable you regardless. $23 ,000. I'm sure there's no minimum payment on this. I mean, I got it from her. She liked to spend. I liked to spend.

1:25:41Dad. I see money to dad. That's 2K. That was for the accounting assistant classes. What does your dad think of you? The best. His favorite child. There's no way. There's not a chance in this world. Like I said, I do stuff for them. There's not a chance in this world you're the favorite kid. How many brothers and siblings? I have five brothers. No way you're the favorite. That's just mathematically impossible. Four brothers. It's not possible. Yes. And one sister. No. You are not the favorite. I refuse to believe in any world. Unless they are literal heroin addicts. I can bet you I'm the favorite child.

1:26:16Again, I'm the fun child. You're the taker. But the fun child. No. Money owned a friend for what? And how much? Oh, Colorado. I think it was one… Colorado? Oh, yes. I go to Colorado once a year also. So that's one of them for grandma. I go to Colorado once in a year and she'll give me money to go. How much do you owe? Oh her I think it's like$111 or$110. It was for gas. The portion of the gas. $111? That's it. You owe that and you haven't even paid that? Yeah. Dude you're such a bad person. I mean she really doesn't care. But I know I still owe her. We still go out together. You see? I have more friends besides my Mystic.

1:27:05No, you just called the Mystic your best friend. I mean, yeah. Oh, Carbone. Hyundai. That one is a little tricky. Wait, sold the car. They repoed. Yes. Not because I wanted to. Yeah. No, wait, wait, wait. What are you thinking of the Ontario repo is? That car, I had got that car brand new because I was like, I want a car brand new so I have no issues with it. Nothing mechanical. wrong with it. But! I got that car and it was f***ed up. You what? It was f***ed up. Back to back. It kept messing up. I even got a lawyer and they didn't do their job, right? Yeah, it's always anyone and everyone but yourself.

1:27:45Shut up. I have to do It looks like they sold it for$25. It looks like after fees and everything and bulls*** from the 50, you owe$26 ,811. Again, that car did not work. You haven't touched it, have you? No. No sh***. That just happened this summer. Credit must be. Oh, great. It's fresh. It's new. It's going to be on here forever. So that's your first repo? Yes. Like I said the car was… No. It is not. That's my first repo. No. It is not. I don't have another repo. You told Colton you did. Oh the other one. Yeah. But that car was paid off though. My bad. I forgot about that one. So yes. This is my second one.

1:28:23But the first one… I missed that payment by a week. And they took that car. And that's not how that works. They won't take it from one week. They will not The payments were always made on time on that one They will not take one week It's three months No they took that one right away They will not They took that one right away They won't Okay Were you there when that car got reported? They will not do that I was there Uh oh That car was gone from that parking spot They won't do that Well they took it Again this car was because that car was messed up Back to back messing up

1:29:07What's your car situation now? I don't have a car. How'd you get here? Oh, I borrowed my mom's car. What a leech. What a disgusting f***ing leech. Well, I had a car. Uh-huh. $50 ,000 car you borrowed making$2 ,600 a month? Make it$30 ,000 a year you borrowed a$50 ,000 car? Supposed to be reliable? with you. Supposed to be. It doesn't matter. It's a number that's not even close to something you can afford. Well, my goal was to go back to school and make more. Oh, so let's get a 50 ,000 hour car that we can't afford. Shut up. That was reliable. What are you talking about? But, yeah, that car messed up.

1:29:48We're negative in our checking. Our Capital One checking your negative. That one. What a piece of shit. It's just spending money going to bullshit endlessly and just bullshitting, Bateshop and KFC Slim Chickens. This is bullshitting, bullshitting, bullshitting, bullshitting. Look at this page. This is bullshitting. Ladies and gentlemen, top-down camera, get this. Bullshitting. He's stopping in and getting some bullshitting. What are you getting to the gas station for four bucks constantly? I don't know. You don't know what you stop in at the gas station and get. Probably a Red Bull or something.

1:30:21You. You asshole. I had to go up before work? Use GamerSops. Take one of those. Take one of those. Those are free samples. You guys can get free samples. Use code KALEM HAMMER. Oh, I've had this before. Yes, it is good. Listen, once you find the flavor you like, you get this, you mix it in. Instead of a$5 Red Bull or whatever from a gas station, it is 25 cents a serving. It's like making your Red Bull at home, and it tastes better. So I don't want to f***ing hear it. No more excuses. Link in the description below for 10 % off, by the way. Can I take them all then? So I don't have to write, buy Red Bull?

1:30:55Endless Red Bulls and tacos, of course, and Amazon and Panda Express going in and getting some bullshit. Amazon vending machines, Apple bills, Jack in the box, Bunny Stop, Whataburger, bullshit, bullshit, bullshit, tacos, chicken, chicken, chicken, Amazon, bullshit, McDonald's going in and getting some bullshit vending machines, bullshit, bullshit. Look at this, guys. It says bullshit, bullshit, bullshit, bullshit. It is four pages, five pages of bullshit that will be negative in a separate checking account as well, of which I don't even see where this vending is because he didn't even give me those.

1:31:27What a f***ing joke You're a joke, you're a bad person F*** you, I'm not making a budget for you to save your life Come join the post show Three premium shows every day, Monday through Friday Click that join button, including this financial audit post show That I'm forced to film F*** you, you're a degenerate And I wish for the worst of you, not really Kind of made me a little f*** off You don't eventually get paid One day Call your f***ing mister What the f*** is wrong with you? What is wrong with you? Every single piece of advice that you are giving him is leading him to the hole of destruction and death.

1:32:03That's up to him and what he chooses to do with my words. He's a degenerate, disgusting animal. No, his path is leading him into a spiritual journey. Caleb, is this your least favorite episode in a minute? I'm whole. I was staring at that clock. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.