She Destroyed My Sanity | Financial Audit

25:03That is pdsdebt.com. pdsdebt.com. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch.

25:37But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com. Link in the description below. Huh? Okay, 12 hours a day, 13th hour. Hey girl, if you're in that much of a crisis, I'm sorry, 12 hours a day, those are difficult shifts. You have another 12 hours in a day. I'm not saying it's easy. I'm not sitting here saying it's easy. But you making it sound worse and then literally not doing the one basic thing.

26:18One basic thing and blaming them for it. Come on.

26:25Right? Am I wrong? No, I know that I should have gone. Well, there we go. And I knew that it was a resource, but it didn't feel accessible. Oh, it didn't feel. Now it's feel. Ladies and gentlemen, we got the feelings over the objective reality. Good death woman. What the f*** do I do with you? I can't deal with I didn't feel. Honestly, I ask myself every day. I didn't feel. Well, you got to stop being introspective. You got to stop asking yourself shit. You just need to f***ing live, dude. You're thinking way too much about your shit. You're in your own head. You're in your own head. Why do you get stabbed?

27:02Where? Why? Um, it was a theft that was technically a robbery. Okay. Well, I'm glad he's alive. It was a loose robbery, but it technically was a robbery. The guy actually ended up getting charged with attempted murder of an officer. Yeah, as he should have. What was he robbing? A quick stop. And he stole, like... Taquitos? No, like the packs of donuts. Bro got stabbed over donuts. Will this work for you? I can't seem to find my license, but. And a brisk. And I think single Pop-Tarts out of the Pop-Tart box. And where did he get stabbed? In the head. Oh, that's a big one. Yeah. That's in the no-no area.

27:50Yeah. But you knew the next day he was alive. So when's the last time you worked in law enforcement? November 2024. Okay, two years ago. Yeah. You don't still claim law enforcement like discounts, do you? I will use my discount if it is online. I don't ask for it. You got fired, girl. Fired. Okay, second job. Still, you haven't told me what happened to that. The department was bigger than I expected. I went from dispatch. No, listen. The city population was 150 ,000 people, and it doubled during the day because of the large businesses in the city. and I went from dispatching just police to police, fire, and ambulance and I was overwhelmed.

28:38It was... Weren't you working only 40 hours a week at that point though, did you say? Yes, but the call volume was more than I expected. So you left. I was released from probation is the technical term. You got fired. Yeah. Okay, and after that point is where you're saying they will not hire you anymore. Anywhere. I was, at that time, I was at another department, like, per diem. What? Yeah. So even still, you got hired at that point. No, I was hired there before. I was per diem, so, like, when they needed coverage, and I just went there full-time. And what happened? I have no idea, actually. No, no, no, no.

29:17Did you get fired? I came in one day, and they said, we actually don't need you anymore. Oh, well, that might be fair. But, like, nothing happened. I didn't ever— Oh, no, no, no. You were per diem, then you decided to go full-time. Maybe they didn't need it. That's fair. I mean, that's reality. Yeah. Especially with government budgets, local government budgets. Very difficult. And it's a super small town. Exactly. Very difficult. Okay. So lady goes on local news, multiple city council meetings, is the face of it, multiple news reports. Very good. Next place gets fired because she's bad at her job.

29:47Blame whatever reason you want. And now she is shocked that she cannot get hired in this. By the way. I'm not shocked. By the way. I know. I know. I want to go back. Have you not expressed the amount of trauma that you get from this job that is a crazy job? I don't think you're fit for it. Why would you want to go back? It's not our responsibility at this point to take care of you if you deal with an issue there, if you keep going back. You're the abused wife that keeps going back. Don't. I really enjoy it. What? Don't get in trouble from it. I know. It's complicated. What do I do with it? No, just get another job.

30:27Prize in the bag. I have a job. Yes. And I hate it. Well, yeah, you don't really make enough. So how'd you lose your house? I sold my house before I lost it because I was unemployed for so long. Did you walk away with a pile? A little bit. How much? 25. Where is it? Most of it's in a savings account. Thank— Okay, when was that? When I sold my house? Yes. August of last year. Okay. Is when I closed. So since then, what has life been about? I guess you were complaining in the pre-interview how your MAGA parents made you buy it. I don't know what the, what does that have to do with it? Do MAGA parents just make kids buy houses?

31:09No, they've always like, that's what you do is you buy a house and you get married and you have kids. That's America. It's pretty standard, I guess. Yeah. So they like pushed me. They're like, oh, you should do this. You should buy a house. Okay. I'm really good at doing what you're supposed to do. It sounds like it rewarded you. You walked away with a net gain. Yeah, but I also live at my parents' house now. No, but that wasn't their fault for saying buy a house. That was your fault for getting fired from a job and going on television. That wasn't their fault for telling you to get a house. It's always someone else's fault with you, isn't it?

31:40No. Oh, no? No. Okay. How is it your MAGA family's fault? I can fully acknowledge that I left my first apartment and I ruined my life. Why were you complaining about your MAGA Paris? Because I wouldn't have ever bought that house. It sounds like they helped you. Not really. They said, here, you should buy a house. Good, and you walked away with a net gain. What's the complaint? I'm so confused. How does it tie to MAGA? I'm so confused. I'm so confused. I don't agree with MAGA on everything. Of course. I'm not blaming them for this notebook ripping. I'm just like American dream shit and push me to do it.

32:22And you made$40 ,000. What? What are we complaining about right now? Please walk me through it. Walk me through it. I'm going to need a little assistance. I'm calling for a dispatch of assistance from you to me right now. Like they pushed me to buy a house. And I don't think I was ready for that. Like I... And the consequences were? Were that I didn't know what I was doing. And the consequences of that were? Yes, I ended up making money, but I wouldn't have ever bought... I hated my house. Okay. I hated the city it was in. And the consequences of that were? I don't know. Then why are you complaining about your MAGA parents pushing you to get the house?

33:12I don't get it. Because I didn't want it. Then sell it. I did. Exactly. So why are you complaining about your MAGA parents pushing you to get this house? I don't know. I feel like I'm... Are you a leftist or something? I am the furthest left person that I know, but I live in... That's not a good thing. You definitely shouldn't be the furthest right or left of anyone you know in life. But I live in MAGA country, so... Yeah, but you're still in California in the end. But yes, you're right. You're right. It is certainly more red there. But even still, in a red area, there's lots of... I'm in red Texas.

33:43There's lots of blue around me here in Austin. You know, that's not how it works, right? And even in blue Austin, there's lots of right-wing people here. Like I said, I don't agree with MAGA and everything, of course, but I don't think that means being far left is reasonable. Extremism is never good. And if you're the furthest in one direction you know, that's extreme. Furthest less when everybody I know is MAGA. Girl, I'm sorry. If you're trying to blame your MAGA parents for pushing you to get a house that you literally walked away positive from and you couldn't tell me one downside, it sounds like you have some kind of derangement.

34:21I just, I don't care to own a home. Okay, cool. Why do you blame MAGA parents for that? Like, is that not crazy? Is that, that's like, um, uh, um, let me think of an example. Who's like a reasonable person on the right? All the talking heads are all extreme right. I was going to say, do any of them exist? Well, no. To you, no. Of course not. Anyone even slightly center left to you is probably a fascist. But, oh, wait. You voted for Trump in 2016, though. Yeah. Oh, because your parents made you. You have no agency, do you? No. Girl, you're older than me. I voted in 2016. You have no agency. Who's a normal commentator on the right?

35:09Just let's just say Ducey. I don't know his public opinions, but I called into a show once, okay? Ducey, okay? He's the correspondent from Fox to the White House. Ducey. Let's say he bought a house and his parents were, they just, they voted for Obama. And he said, crazy communist parents forced me to buy a house. Do you not see how that's just insane? Like, why are you attaching it to their political identity? You have to be a like crazy person at that point. It just. Like, why do you attach their political identity to it? I don't get it. Because it's the conservative American dream. Like, oh.

35:46No, it's the American dream. People on the left want to buy houses. But I. What are you talking about? Like, the. People on the right right now, economically advising, actually, like, don't buy. That renting makes more sense. Like, they've always just pushed the, like, do X, Y, and Z because that's what you're supposed to do. And how does your parents force you to vote for someone? I've never. They didn't force it. But that's just how, not even just me, but everybody in the area is just conditioned. Oh, you mean during a political campaign, they campaigned for the person they wanted to win? Not even campaigned, but just that's how everybody's raised all the time is conservative.

36:23It's a conservative country. Here, people are raised more liberal. That's not crazy. Regions have different things. Yeah, but I was uninvolved at that point. What? Just go vote for, who was that? Clinton. Who cares? What? You said because everyone around you voted for Trump, you have to vote Trump? That's just what I— You can vote Clinton. That's what I thought was the right answer. Oh, so you just thought you wanted to vote for him. Okay, so, and then you changed your beliefs. Who cares? Yeah. I am so confused how you were complaining in the pre-interview about them forcing you to do that. What the f*** is wrong with you?

37:05What the f***? See, yeah, because you were just going on a tangent and stuff. You're going on a tangent on the phone. I literally have your notes word for word. That America is a racist and misogynist country. How are we misogynist at this point? We're built on a patriarchy. This whole - At this point, we can always look back. For all of human history, 10 ,000 years from now, we can still look back to slavery if we want to. Does that mean that is what life is like 10 ,000 years from now? You're right. Women did not have the right to vote. We did not have a good history when it comes to equal rights in this country.

37:40We're talking today. How are we misogynist specifically today? Misogyny is built into everything. I'm literally being pushed to hire women at this company just so we can have more women. When in content, typically men work disproportionately more on the video editing side. and I am being pushed so it doesn't look sexist to hire women. We're literally, I'm not going to do it because I refuse to live that way and I'm only going to hire people based on merit, but I'm being pushed to hire a less qualified person because they're a woman just so we can have more women here. I am being pushed internally for that.

38:20I won't do it, but that is an actual thing that is happening behind the scenes here. Where's the misogyny? You want me to hire a less qualified person because they're a woman? Then where's the misogyny today, right? now. In elected office, women make up 50 % of the population, but only hold like 30 % of the office. Get more to run for office. It's not misogynistic that they voted for someone that they wanted to represent them. I know a lot of people who don't vote for women because they're women. Well, that's a misogynistic person. Do we have a misogynistic country? As a whole. Do you think Clinton specifically lost because she was a woman?

38:57No, I wouldn't have voted for Hillary Clinton. Yeah, a lot of people don't like Korea. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18+. for your politicians. Her husband was already president.

39:30Even people that lean more left, I don't think, Bernie, you know? They, nobody liked Clinton. She didn't lose because she was a woman. Kamala probably lost because she, the primary process didn't exist and people felt cheated from that. They weren't, they didn't lose because they were women. Where's the misogyny? You are going to find women literally online on TikTok just as much as those people who will not vote for men because men are evil. I will equally find that I will equally find that so that doesn't mean the country's anti-men either so how are we as a full on society misogynistic please tell me you can find individual people you can find individual racists doesn't mean we're a racist country DEI programs were very beneficial not necessarily as a whole but as a collective it is still very Hold on.

40:26I am? No, not necessarily. You just said as a collective. No, no, no, no. I'm a part of a collective. Not you specifically, but as. Maybe Brandon. Well, maybe Brandon. Lindsay? No, not Lindsay. Lindsay's a girl. She's a girly pop. And I'm a girl's girl. Mika? Is this a little Puerto Rican over there? Like what? Is he a big, has a. Okay, I'm going to give you a chance again. how are we as a country misogynistic and racist? It's systemic. I'm waiting for examples of how we are. We can look back forever. We're in our societal DNA right now. If we were still redlining, I would agree with the racism part.

41:10922 of the most powerful people in the country. Only 180 of them are. What powerful people? What are you talking about? Are you talking about elected officials? Elected officials. People can run for office. People in charge of police departments. Advocate for more women to run for office. Police departments, obviously law enforcement vastly, just like nursing heavily skews towards women, law enforcement heavily skews towards men. That's not racist though. Tech heavily skews towards men. That's not racist. Art heavily skews towards women. That's not misogynistic or men-sogynistic. No. Misandrist.

41:51Yeah, there you go. I'm not a victim, so I don't care to memorize words like that. That industries lean certain ways. Please tell me again then. Obviously, elected office, more women advocate for them to run, including on the right, because we're about 50-50 in terms of swinging back and forth. So you're going to need more Republican women for that ratio to go up. Advocate. But people can still vote for who they think is the best. And I don't think we're in a place in this country where people are... But no specific examples. You can't actually think of a real thing that we are racist or misogynist.

42:29There actually might be real examples that I haven't thought of because this isn't my daily focus of being a victim. But I guess you just can't talk on them. Can you? Can I have a example besides people running for office by choice? is since seven, since the beginning of the Supreme Court. Okay. All but six of them have been white men and only three of them have - Okay, and how is the makeup today? Only - Because I care about today. Women couldn't run for, women couldn't vote. Yes. Okay, you can look back on the history. History, bad. Not always the best. Go back to ancient Greece. Not very good either.

43:10Okay, you'll get it in every inch of this planet. Not great. Native American culture wasn't great. Lots of shaving those skulls. Not great. Eating hearts down in the Aztecs, not the best. We can apply history was bad for all cultures forever. What about today? Okay, we got a black man, a Hispanic woman, a white woman. That's it. Ginsburg was on there. She died kind of recently. Yeah, and was replaced. Is Alito white? Alito doesn't seem like a white name. Is he white? He is. you consider all white white um I think so nobody's like Italian after 9-11 that is white what the what the all of your like 90s 2000 movies Italians were you know that was big that they were victims we also have a black woman as well as someone who cares about identity politics I said we had a Hispanic woman a black man and a white woman we also have another Hispanic woman and a black woman.

44:13Hold on. We're one, two, three, four, five minorities and four straight white men.

44:21Boop. She's white. Yeah, woman. I said, you were saying all straight white men. Besides straight white men, it's vast majority not straight white men. Currently. Yes. All that matters is today. Why do you care about 1803? Random year. Why does a year that we did not live in matter? In the entire history of the Supreme Court. These are the only people of color. Is today not the only time? No, no, no. I think Clarence Thomas replaced the black man. I think. Isn't that true? I mean, I wasn't alive, or I was barely alive. And also, no, Ginsburg. Notorious B.I.G., right? Yeah, R.B.G. RBG, there you go.

45:11I don't know what you said, but it wasn't that. Nope. Who did Justice Alito replace? Justice Thomas. Justice Sandra Day O 'Connor. Sounds like a man. That's f***ing f***ing f***ing in front of me. So today's all that matters. Today. Today, you're a failure. That's all that matters. Today, Supreme Court is actually quite diverse. Why do we care about 1829 and other random year? Who cares? We weren't alive. It doesn't matter. History is always bad no matter what. Guess what? The African countries, bad history as well. Yeah. So our history is not the only bad history. You only focus on ours. So let's...

45:55Because I live here. Yes. You live here in the present and today. So focus on today that it has gotten better. And we can appreciate that and celebrate that and move on with your life and do something productive instead of bitching and moaning. My Gamersubs flavor is finally here. It's called Liquid Assets, and it tastes like raspberry, apple, and success. Use discount code Caleb to get 10 % off your entire order, plus free gifts you actually want. Drinkware, stickers, full-on apparel, even some seriously limited edition swag. And one out of every 10 tubs has my face printed right on it. And the whole offer stacks up six times.

46:33The more you buy, the more you unlock, and the better your chance to see my sexy face on your tub. Get 100 servings of delicious zero sugar, less than one calorie liquid assets for less than 40 cents a serving, plus all the freebies until they're gone. Gamersupps is fully stocked and shipping worldwide right now. All you need to do is head to gamersupps.gg slash Caleb or click the link in the description below. This stuff is a game changer. Ladies and gentlemen, I got something new to help you that we have personally built. Right here on CalebHammer.com, we have new Caleb Hammer financial resources.

47:10They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on CalebHammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board.

47:45Go to CalebHammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Thurgood Marshall was the first African American to serve in the United States Supreme Court. Leonard B. Johnson. Okay, so you're... We understand that, right? No. No? Then can you give me another example of today where we are misogynistic and racist? I will give you a final chance. I heard you got angry when you heard I went on Rogan, by the way. Why? I can't talk to a dude. You know the dude is actually socially quite progressive. just economically on the right you went on there and you talked about they only want me on right wing shows but you platform a bunch of people who come on here and aren't interesting enough to be anything other than racist to make good TV what?

48:39we've had more people like you than them over the course of four years yes the couple people that have been racist has been literally the last two months ever in the last four years it's been freaks like you We've been trying to get more right-wing people to balance it out. But most right-wing people that come on the show on their no-no list, just like you gave me a couple no-nos, remember them? Have I followed them so far? Yeah. Good. They said they don't want to talk about politics, so I respect it, just like I'm respecting yours. So sit down and shut the fuck up. Why are you upset about me going on Rogan and talking to an individual?

49:13You went on there and complained that all you get is right-wing shows, but that's the majority of what you're platforming right now. So, of course, that's how your algorithm is going to play. push you out. That's literally the right wing people are not all on platform. But you said that nobody wants you on left wing shows. Unfortunately, yes. But we have gotten accepted a little more. Cuomo got us. CNN got us. So I appreciate it. Destiny was going to come here. I think his flight got canceled. Maybe we'll reschedule. Who knows? So it got a little better. Okay. Since then. But yes, at that point, only the right wing, even though I'm not even hyper right wing, like economically, yes, I lean to the right economically for sure.

49:51But because of It's like you. But the thing is, I mean, socially, I'm actually decently on the left. I'm not crazy, like cut the dicks off children and shit like that. But like, you know, you people are just extremist. I don't think I'm extreme. I think. Okay. You're angry at me for going on Rogan. You're calling us. If you're calling the entirety of the United States today racist and misogynistic, that's pretty extreme. Not the entirety. How is the United States today? I'm going to give you another chance. A large portion of it is. Ah, you're pressing the goalposts. Now that is not what you said.

50:28That is not what you said. You said America. You said the United States is. In a generalized. And then you said because of the elected officials and the Supreme Court. Now you're really trying to say, well, no, it's certain groups of people. Come on. I'll give you another chance. One more time. Last chance officially. How is America today? In your own words. sexist, racist, and maybe it is, by the way. She just can't bring up any real points, and this isn't my f***ing topic that I care to learn that much about. I'm more interested in economics, so I can't speak on it, but please, give me something.

51:02I want to learn. I want to learn! I mean, I'm learning right now from my producers. You hate that I bash California. I don't even bash California. California is my - On Rogan, you did. California is my dream state to live in. You should move to California. That would be horrible for me. It would not. I would lose 13 % of my money. It would be really bad for me. And the employment laws are an absolute joke. It would be better. No, my literal lifestyle of weather might be good. But besides that, no. Everything else would be worse. That's the thing. I love California, so I want it to do well. They shouldn't be building this new startup shipyard that was supposed to be in LA on the Bay of Houston and that swampy pit of a disaster.

51:44The fact that so many corporate relocations are coming to Dallas should speak something. All the success they have right now is because of something they did back in the day. They're not doing new success. The tech companies that are there, they've mostly been there. Yeah, there's still a startup ecosystem, most venture capital in the Bay Area. But LA, incredible. I would love to LA. This show would thrive in LA. Thrive. But I can't live there with their homeless situation. I can't live there with their crime situation, their catch and release. Even the show on more left-wing platform with left-wing people in it called My Worst Neighbor and My Worst Ex, both of those shows on Netflix, half the examples on there were people who got arrested in California and immediately released and then killed someone.

52:31So no, I can't take my girl there. I can't potentially have kids with her there. I can't. Their school system's in the shitter even though they're paying a shit ton of money per pupil. I can't. I shit on California because I wanted to do incredible so I can move there. I want it to be great for business, hiring, walkable, beautiful, actually building housing for their people instead of being performative with their rent control. So that's why. I care about what should be the best state in this country. I want to be there. I can't when it's a mess. That's not unreasonable. I don't know. I think as a California girl, it is objectively the best.

53:08You live in Central Valley. Yeah, Yeah, but I'm... No one wants to live there. No, nobody wants to live there. So shut the f*** up. But I'm two hours from everything, if even. Well, we pretty much... Two hours from the beach, two hours from the snow, two hours from... We're, what, three hours with the flight? So, good enough. I'd rather live in a place where I'm not just going to f***ing die from someone that got released that committed a murder yesterday. And a place where I can employ people and fire them if they suck. You can do that in California. Yeah, and you'll get sued. Not if you have cause.

53:37Oh, trust me. I think my lawyers know a little bit more about this when we considered where we were going to move. That a basically unemployed 34-year-old who lives with her mom. I'm being mean to you. How are you? You having an okay day so far? How's your trip to Austin? It's been awful. Well, that's not good. Why? My flight got delayed yesterday. Why am I? I won't stop watering. I know. It's because you're insufferable. It's just this one. My flight got delayed yesterday. Twice. Ah, the damn Republicans. Mega Airlines! And then they... Who's the... Who's the new Pete Buttigieg? Who replaced...

54:23Sean Duffy. Sean Duffy! How dare you? The challenge star. Real world. I'm not as into politics as everyone thinks I am. Just get like you. Okay. Very good. So how are your finances today, though? Like, obviously, it's a mess. What's your plan? What are you going to do now? What are you going to do now? And no, complaining about MAGA is not going to fix your life, by the way. So maybe less focus on terminal online extremism, more focus on improving your own life, because that's the only thing that matters in the end. So what options are there going forward for you? Stop it. Sorry. It's okay. You can wear it.

55:02Just don't twist it. I'm going to keep doing it. Okay. Oh, my goodness. I have another person. Oh my gosh, I can't believe it. I'm getting notes. You shouldn't have said all these things in the interview. I personally believe billionaires, corporations, and the wealthy are not paying their fair share of taxes. Well, the working class people struggle. You know how working class people make the most money out of any major country and have the most disposable income, which is like income after the necessary stuff. But why are we giving tax returns to corporations? Tax returns? Yes. No, we're giving tax returns.

55:32Yes. Tax returns. Tax returns? Yes. We give tax returns to people with kids. Tax returns. What are you talking about tax returns? You're talking about where they spend more money than they make on paper, so they have to pay less taxes because they're employing people investing in R &D and new technology? Any of those companies are in your home state, girly. They're why your state even exists anymore. Silicon Valley, be thankful for the Bay Area because LA doesn't exist. So if it wasn't for those, I don't think they'd be there. And people, they can back up and move just like anyone else, anywhere else.

56:04They'll go to Ireland. for the corporate HQ. We don't want that. No, but I mean like - You want to pull a UK where they all go to Dubai? No, thank you. I like when they're here. There are consequences to performative policies. Also, what do you mean tax returns to corporations? There are like Fortune 100 companies that have gotten tax money back from - What context? What context? Is it when they got, they went to a new area and they reached a deal with a city. No, like Chase of, this is probably from a couple years ago, but Chase Bank got a tax return. I know. What was the context on what? You're saying Chase is not a tax net contributor?

56:53I haven't heard of this specific Chase thing. I'm going to check it, but. Chase Bank was one of them. There's, I know like Amazon paid$0. That was different. But that was because they spent more than they made for the longest time. They weren't a profitable company until recent years. You know that, right? Are you saying companies should have to pay taxes on money when they're not profitable? So me as a business, let's say we make a million dollars. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks.

57:33Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18+. Dear, if I spend a million one hundred thousand, I should pay taxes on my lost money? No, if you're not me. Hold on, that was Amazon. Yes, that was Amazon. Also one of the biggest employers and not with bad wages either. The entire country. You want to punish them. Not punish them, but I don't think they should be getting... They're paying great taxes now. What, you want to be AOC and prevent brand new campus coming to New York with thousands of new jobs?

58:15Consequences of performative policies? No, I think that, okay, specifically, there are like eight Amazon warehouses within driving distance of me. and they don't do anything to better the community. Well, I would say the people that work there. They build their warehouse off of a two-lane road. You know a lot of people work there, right? Yes. That's benefiting your community. Those people pump money into your system. Upgrade the infrastructure that you're building in. You mean the roads? The roads, yeah. That would be good. Now that's the city's responsibility. Advocate for the city, not the corporation.

58:58Roads are a public good. Yes. Why are you complaining about Amazon? They're literally employing thousands of people in your city who are going and spending money at restaurants and other... Dude, you're broken. What is it, please? Okay, get your point. Get your point. So, very specifically, there's an Amazon warehouse, and I just saw a Walmart one right next to it the other day. Crazy. Built off of a two-lane road, but that traffic now... That's the city's responsibility. Dude, you're actually... No, no, no. This is actually... Okay, actually... It should be Amazon's responsibility. because that two-lane road wouldn't be a problem if Amazon wasn't there.

59:35It's actually impressive. I've never witnessed someone so far left that they're actually advocating for degrowth policies. I've never seen someone sit and in real life advocate for a degrowth policy. That's one of the most impressive things I've ever heard in my life, to not build warehouses because the city can't keep. I'm not saying not build them. I'm saying they need to put the infrastructure around them so it doesn't negatively affect— Why is it the warehouses? Whatever. Responsibility. It's the city. Or the state. No, they're building in rural areas that this two-lane road isn't an issue.

1:00:14So New York City— Without the warehouse. New York City, we want them to add more housing so people can afford more, right? Yes. Should it be the people who build the housing's fault to add an extra lane to the highway because more people are moving in? they should have some sort of responsibility. They pay taxes, property taxes, which those warehouses certainly do, and income taxes and whatnot. Pay to the state, redistribute it to the city in the state of California thanks to their new jobs. It's your city's fault for not allocating the resources properly. Advocate for that. Girl, there's lots of things I can complain about Amazon for.

1:00:49Some of the working conditions with heat, that shit was bad. You and me can be on the same page for that. But you went and advocated for a degrowth policy. That's one of the most insane things I've ever heard in my life. And putting the responsibility - I'm not saying they should be fully responsible, but they should - They're paying taxes. They're paying taxes for that infrastructure. If the city decides to not upgrade it, that's on the city. Vote for someone different. Okay, she's most likely referring to JPMorgan Chase, the parent company of Chase Bank, receiving a net 1.1 billion US federal income tax refund on cash basis for 2025.

1:01:25Let's get the context though. Why did they do it? Because they overpaid estimated taxes in the prior year.

1:01:35You're so f***ing. Oh, I love it. Thank you for making my show possible. For literally not knowing anything. Because that was such an easy lookup. Same thing would happen here. We have to do quarterly estimated taxes. And if I pay too much, then I would get money packed.

1:01:58What's your Hammer financial score? Because I know your score is like a thousand. Probably. Zero out of 10. Zero being the worst, 10 being the best. Probably a one. You are my favorite. I really appreciate you. Please, more uninformed people, CalebHammer.com slash apply. It is my favorite thing. And I'm honestly pretty. So if I'm able to look better than someone, like

1:02:53Oh my goodness. nearly 50 % of the money, and you get the physical version of my meal plan signed by me mailed directly to you and the digital version of my cookbook. You live with the parents. I don't know if you need that, but if you ever move out. What is your plan? I did try to ask you that. I need to get out of there. Yes, what's your plan? That was a great statement. That's also something that I need your help with. They also had settlements and adjustments from the IRS due to prior year audits. I will say that. And of course, they had some tax credits as any business or individual would take advantage of, just like people with kids have tax credits.

1:03:27So that inherently is not a bad thing. So, okay. So what job can you get? Because you're blacklisted, not unfairly so. From a job that you want to do even though you know you'll get traumatized from. Yeah. But you would get traumatized from literally the beep of the fries saying they're done cooking at McDonald's. No. That'll lead to 10 more years of therapy with you. Go on, sorry. I'm being a dick, please. I'm being a dick. You probably just need to live in a place with more opportunity. Yes. I do want to move out of the valley. Yeah. And if you want to, honestly, I really hate to say this, but I mean, they finally moved up from 50 to 49th, but California has the 49th worst unemployment rate in the country for a reason.

1:04:18and people are relocating to Dallas, Houston, Atlanta, Nashville, North Carolina. I know what you're saying. I know, I know. Well, they're not horrible, but for reasons. Because there's jobs and opportunity. Because it's risky to hire in California. It's expensive to hire in California. And people are leaving. So I'm not saying you have to do that, but that is something I would consider because you're going to probably move to another city in California and they're not the best job market, especially with your lack of skills and resume talent. My question for you is, are you guys pretending that the weather isn't awful here?

1:04:51No, it's really bad in the summer. Three months of the year, it's dog shit. Gorgeous winters and falls and springs. I don't like any of those. Gorgeous winter, fall, spring? It feels like it's raining, but it's not. That's humidity. Yeah, I guess it was a very humid morning. I apologize for your new trauma and another 10 years of therapy. I definitely was not prepared for the humidity. Okay, we're not having a humidity conversation. I don't give a f***. Where? And what job? Because what the f***? You will not survive off of this. I know. I. Please, lady. Okay, what are the options? San Diego, Los Angeles, metros.

1:05:33I have been mainly looking in the Bay Area. Okay. Do you work in tech? No. What the f*** are you going to do? Are you going to be a barista? No, I. You're going to work in the services. I've been applying for dispatch jobs. maybe? Dispatch. No one's gonna, they're gonna look your name up, dude. No one's gonna hire you. And that's not unfair. You f***ed it. I'm sorry. You f***ed it. Rip. Okay. Not even rip to your friend. He survived. So it doesn't even matter. Rip to your career in that. New career time. I got you a course career certification in whatever you want. There is tax certifications.

1:06:08Take that, go to the Bay Area. They like certifications there. Maybe you'll do something. Okay. Accounting. Do accounting for them. I don't know. It's still a brutal job market out there. Even with all the VC money, it's a brutal job market. Also, it's 48 % humidity outside. Oh, it's gone down. This morning was a bad time. Yeah. It was rough. I apologize for the PTSD. It was rough. Continue. I don't know how to budget. And I need help with that. That doesn't matter if you literally don't ever get a job. I have a job. No, you're not going to survive in California. for you to 23 an hour? 25. 25 an hour.

1:06:47You're not going to survive. What are your goals? Because you went from home ownership due to your evil MAGA parents. Okay, very good. I apologize for that trauma. Another 10 years of therapy for that one. I'll just keep stacking them. You're a homeowner.

1:07:06I'm shaking in my boots. My Texas humid boots. I don't know. Great. Yeah, I know. So why am I seeing a loan to mom$1 ,400? When I was unemployed, she paid my car payment. How long were you unemployed? California has an incredible welfare state for losers like you. My unemployment was less than my mortgage. I'm with her. If you go on unemployment for losing a job, you're not a loser. That's there for you. If you stay on it forever and you never look for a job and you're like the people who reacted to on the Caleb Hammer show over on our second channel, then you're a loser. Sorry, go ahead. I was unemployed for almost nine months.

1:07:47Why didn't you actually, seriously go work at McDonald's? I don't know. I applied, no, I applied it like Target, Home Depot, Starbucks. Yeah, but you know what you did with your resume and all those, I guarantee you. You made it look like you wanted to take them temporarily just so you could pay the bills and go and get a better job. Just found out because the company that I work for now was... Why are tears happening? They're not. Okay, it just sounds like it. No, my one eye just keeps swattering. No, no, I hear it in your voice. Continue. Starbucks is bullsh** and a waste of money. And you already know that by making your coffee at home and investing the rest.

1:08:23So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. 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 gamersupps.gg or click that link in the description below. Type in code Caleb. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want.

1:09:03You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise. I just found out that the company I work for was bought out and the HR lady told me last week that my resume is awful. Yes. Nobody is surprised. Again, as always, nobody is surprised. How are you? Why did you not? You live in California. That's where a lot of the AI is being developed.

1:09:41Why did you not put it into AI and ask it? It would have told you that you are. And not only did your mom lend you money, she probably lent you an extra chromosome as well. Like you are. Everything you are broken. Don't know what else to tell you. Do you owe her a monthly payment? Yes. Okay. I know we're going to call your mom in the post show. Tell her to stop supporting your ass. and she is an evil MAGA mother. So probably kick you out for looking like a gay, right? No, my sister's gay. Wow, what an evil radical Republican your mother is for supporting your gay sister.

1:10:24I hate Republicans as much as I hate Democrats, but you're making me like them more. You shouldn't. They're annoying. So what's the payment plan for this? Your actual plan, not the plan, because I know there's no literal minimum, but what's your plan? Your license to be a hairdresser. Go dress some hair, creature. Come on. I do occasionally. I don't have very many clients anymore. Well, no shit. Go work at a salon, you freak. You have to have clients in a salon. Yeah, but you can get some random drop-ins and build that list again. But you have to pay booth rent and then you're not making money.

1:11:06Okay. We'll go to the most popular one you can find that has a booth available and try it, right? Okay. Or, okay. Oh, fine. Let's make$25 forever. Right? You don't know what to do. At least that's an option. You get a hairdresser instead of being unemployed for nine months. I was trying to get my clients to come back. They have not. They're sick and tired of you crying every time you cut their hair? They were not so happy with my work schedule I was dispatching. When you were unemployed? Yeah, but they stopped coming while I was dispatching. And you were trying to get them back, though? Yes. Why weren't they at that point?

1:11:44Because they found someone else. Yeah. Okay. Why did mom give this to you? Yeah, go work at a blowout bar. I'm being told you don't need to have clientele. They're everywhere. People just book and generally don't care who they see. There's not any around me. Okay, then like I said. That I'm aware of. That you're aware. I don't think there's any. There's no. Glad you followed it up with that. Let's go to the map. I've never seen one. Oh, you've never seen. She's never seen. In my area, I... She's never seen. It doesn't exist. I didn't say they didn't exist. I said I wasn't aware of any in my area.

1:12:17I've never seen Las Vegas in person. Must not exist. Never been to Vegas? No. No. I should. Okay. Interesting. What's your address? What will you pin up? My house address? Mm-hmm. Oh, okay. Her town's small, but you're literally what? 15, 30 minutes from major cities? Yeah, no blowouts there. Girl. I don't think there's a blowout bar there. In the major cities? No, I don't think so. Girl. Okay, I'm seeing so many places. I don't know all that are blowouts. It's hard to see on the map. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new.

1:12:57It can help you with practically anything on the web. like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18+. But I have at least to check out. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, places, 16, in the city just south of you. That's not even going to the city west of you, or the city east of you. Do some research, you f***.

1:13:34Come on, what are we doing? Okay, 25 minutes away, we confirmed. From your address. I didn't know there was one there. No shit, you didn't look because you have no ambition.

1:13:46Disney Rewards! Quite a princess you are, huh? Um, I wouldn't say that. $3 ,328.62. a$69 minimum dependent. 12 years to pay off. Still be unemployed. Okay, we have fees, we have interest, and we have balance transfers and purchases. You're collecting them all. Yeah. Why? Fees on it? Oh, yeah. Oh, you betcha. Why? I don't know. Okay. As always, a transfer for someone like you makes no sense. in the Caleb Hammer financial tools network, we have personal loans. We have debt forgiveness programs. We have car insurance, and we're adding more. Those are great tools for people like me, for people out there who can manage the shit, and if proven, they can manage the shit and use it as a tool.

1:14:44For you, a credit card transfer makes no sense. What are you doing? I was trying to avoid the interest. There is interest accruing. Okay. She's trying to avoid the interest. She's financially smart, which is why she went to Boardwalk Pizza, Chorro Bayou, Timland Popcorn, Lockers Disney, Lightning Lane, Pizza Planet, Lightning Lane, World of Disney, World of Densi, Beverage Kiosk, Lightning Lane, Dutch Bros, DoorDash, DoorDash, Dutch Bros, Dutch Bros, DoorDash, Red Robin, Dutch Bros, Red Robin. Yeah, that's being financially smart. That's doing really good as a 34-year-old who lives with her mom.

1:15:29It's not. No, this is embarrassing. I know. Almost as embarrassing as your not well thought out or well researched political views. Yeah. Yeah, why are you doing this? That's not good. You shouldn't be doing that. No. Yeah, why? Why are you doing that? What's my question?

1:15:54Interesting. That is curious. Yeah, it's a big one. Here they come.

1:16:07God damn it. If you want to take a moment, it's okay. I'm with you. You okay? What's going through your head? I already feel like a loser. I already know all of that. But I also don't feel, I don't know that welcome's the right word, but I feel like a guest in my parents' house. That then like going grocery shopping and putting stuff in the fridge or the cabinets or doing any of that stuff that I would do when I owned my home feels like a burden. Why? My dad makes comments all the time about me being there. What kind?

1:17:02He, most recently, the one that I can think of, he said something along the lines of, well, we didn't know you were going to be here for five years, and it hadn't even been a year. Okay. But, like, the dramatic, sarcastic comment of, like I'm intruding on them, which I know that I am, but I already know that and I already don't want to be there and I already... Here's the thing. I know. You are intruding on them if you don't have a real plan. And right now, you can't tell me what you are going to do and where you're going to go. You are leaning towards Bay Area but we know you're probably not going to get hired in the position you want because of your record.

1:17:56Oops. Without a real plan and real effort behind it, you are intruding. If you are putting real effort behind it, then you are someone they can help and support by allowing you to stay there. If you do nothing, you're an intruder. I feel stuck and I don't know how to. You're not. I don't know how to. Girl, only you are allowing yourself to be stuck. I know. you just found out your resume was bad at 34. This is on you. I first started thinking about my resume at like 23. I've updated my resume. I was also applying for federal jobs, so it is a little more geared towards that. Girl, you can't just be applying to a job.

1:18:41We're going crazy. I know. But so the company that bought my company out, I had actually applied there, so they essentially bought me with the company, but I was under the impression that my resume was at least okay. No. The city card,$593.55 with a minimum monthly payment of$35 you're purchasing on a card that you can't pay off. Why? Again, it's all bullshit. Amazon. Ooh, rent a card. Why are you renting a$500 car? How can you afford that? What are you doing with your no time actually applying for jobs and updating your resume? Such a Disney trip. You know they're a billion-dollar company. You know they get lots of tax benefits, right?

1:19:31Yeah. You know their tax situation is quite interesting. Yeah, my sister works for Disney. Oh, yeah. Big evil capitalist Disney. Was that to Disney? Yes. Yeah. Champagne socialist, as always. you know you people are the most hypocritical people. I'd say people on the far right are really annoying, but people on the far left are hyper, hyper hypocritical. That gets crazy. And both scare the out of me. Unfortunately, these days, further left, further right scared me the vast majority of my life. Now the far left, I feel like I could get, you know, at any moment of my life because of you freaks because I yelled at someone who has extremist positions when I'm actually quite liberal socially, but some whatever, rant.

1:20:24You know that, right? You guys are really fucking hypocritical. Evil corporations, capitalists, and then you just give them all your money. I know. And Amazon, weren't you just hating on that warehouse that delivered that to you? Yeah. It's a shame they're able to get there on that two-lane road to your house. I don't shop on Amazon very often. but if I do it's because I can't find it around me just do it man doesn't matter or yeah no live to your principles your cheap principles I have no real moral backing other than performative virtue signaling Wells Fargo what's going on that one like has my storage unit on it and it was storage unit dude just get rid of it it doesn't matter get rid of your shit get Facebook marketplace stuff when you start over again it's going to cost money to move it all.

1:21:17You can't afford to live anywhere. You can't afford a storage unit. Big corporation Target. Big corporation Chewy. Massive corporation Spotify. Huge corporation Walmart. Yeah. Giant corporation Walmart. Dutch Bros. Walmart. Walmart. Walmart. And a lot of that's bullshit too. It ain't groceries. No, it is groceries. Not all of it. That$2.34 was a f***ing snack. No, Walmart splits them up. I'll get it. I don't know why, but some charges, or they'll refund it for something missing, or they overcharge you and then refund the money. I don't know. Maybe. Okay, Audi. When I do buy it. You have a Audi?

1:22:02Yeah. You're homeless and you have an Audi? Okay. I was making money when I bought it. Okay, get rid of it when you don't. I don't know. What's your job again? What do you do? I do customer service at a plumbing company. From home or there? There. Okay. Okay, you owe$16 ,650.62 with what interest rate? I think it's like 3.9. Okay, that's not horrible, but the minimum payment of$785 for someone making$25 is crazy. In what world does that possibly make sense? Let's see, what is it worth? $17? If you sell it, get a$10 ,000 car. You're really only saving$6 ,000. But we do got to get you on a better payment plan.

1:22:42Man, that shit's crazy. You're never going to move out with a$785.51 payment on this. You're never going to move out, right? It would be... Calf rent. Extremely difficult. It would, and we get rid of it. You make$1 ,000 on it, put$1 ,000 down on a$10 ,000 car. That's it. That's the new beater, unfortunately.

1:23:07What about my car? You're homeless. Americans and their f***ing cars. The fact that you prioritize a f***ing car over getting a place to live. Crazy. You're right, you are a burden on your family if you prioritize a car over getting out. They're not wrong in that case.

1:23:26That's okay, you're crying, but like, listen, that's your choice to make. I have sympathy until there's things like this. I know. Right? Crazy.

1:23:39So what did you want? You wanted to talk about something Walmart-related? Well, I hate that I have to shop— I feel like I have to shop at Walmart. We don't—we do have grocery stores, but they're obviously more expensive. But Walmart's, like, the worst of the worst corporations.

1:24:02They—Walmart, like— Okay, so I recently saw an article for about— From? Oh, I don't remember now. But it was talking about a Costco employee who's been a cashier at Costco for— I actually really don't care unless you can tell me where the article's from. Because that matters so much you have no idea. I don't remember. I don't know. I know Walmart has hurt some small towns. I know. but it's kind of interesting that the customer base in those small towns choose Walmart over the smaller stores. They chose it. It sucks. I don't like the outcome but that is, what's the alternative? You want the government to come in and fund those small stores?

1:24:46Yes? Oh shit. No, I don't. Oh. So like, okay, I mean I can vibe with you but I can't get to the real world with you. I think Walmart's I think Walmart's extra shitty. Sure. They pay their employees low wages. $15 an hour is their minimum across the country. And then, obviously, a lot of those employees have to then get assistance and end up on Snap. Less today than before, but yes. Okay, that's a talking point from 2009. Gets spent back at Walmart. Okay, that is like a 2009 talking point. That's crazy. I remember using it myself. I remember using it myself when I was a big Bernie bro. It lives rent free in my head.

1:25:33We go through big transitions in college, ladies and gentlemen. Some more than others, some lose their dick. I just went, you know, radical left because I was a music major. There are issues on both sides of it, but I think Walmart definitely uses it. Definitely not the best. I would love to see people pay more. Granted, yeah, everybody's going to, most everybody's going to use it to their advantage, but Walmart definitely is using it to their advantage. And I think your argument that you started to say, and I would probably agree with you, is like, well, but Costco treats their employees better, right?

1:26:04Yes. Which is, by the way, why most people prefer to go to Costco when there's a Costco versus a Walmart. Go to a Walmart here, you'll see it's just trash. You know why? Because they don't really take care of it. That'll probably be damaging to their company long term. Costcos are filled to the brim, and people there are great to interact with because they pay well. But they're getting the reward for that. Walmart's going to take the hit for that. Let the market determine it. What are you going to do? Cry and moan? I don't know. So$4 ,000 in savings, dramatically lower than$17 ,000 when it started.

1:26:35Draining? No, that I put it into a different savings account. Okay, checking 804. But again, it's going to be drained with bullshit. Taco Bell, Dutch Bros, Dutch Bros, going and getting some bullshit. Pizza, bullshit. DoorDash and Red Robin again. McDonald's, McDonald's, Dutch Bros, Jack in the Box. Bro, you don't cook. No. Oh, that's not good. I'm sorry, you're getting a comfortable life. Come on, all your money's going to just feed in those dopamines? Why would you move out? Why would you do ambition? Come on, I've been there, I know this. Jack in the Box, Dutch Bros, Dutch Bros, Hollis, Hollis, McDonald's, Panda, transfer from savings.

1:27:16You had to transfer money into the savings so you didn't, so that you had more money. As soon as you keep going to McDonald's, Apple Cash Sound, McDonald's, Peacock, Microsoft. Draining isn't, savings isn't being drained. huge or super quick, but it is going down, which is a concern because you have transferred some to checking little by little. So 15 in this, in that high yield savings account. Okay. That's good. I'm happy to see that. That's a good start for your moving out journey. You just need to get a job, figure out your resume situation. I am so excited to call your mom the post. I got to tell this woman to kick your ass into gear.

1:27:53I'm going to yell at her for it. Yeah, retirement stuff, and it's like 400 there. you got fees oh 8 ,000 in this one okay that one's decent for your age very bad but at least there's a number many people don't have a number ah wait nationwide what? it's a 457 okay 12 ,292 okay good let's get your well I mean your budget you don't freaking have like costs but the budget isn't the important part of the conversation it's about what you do from here but let's just do it anyway make it make sense $3 ,100. You don't pay any rent to them? I do. Oh, okay. Well, it does matter then. How much? $500. Does that go to utilities and everything as well?

1:28:36Nothing extra for that? No internet? Okay, debt payments. Let's see. Let's get rid of it. Not even a choice. Get rid of it. $1 ,000 down on a$10 ,000 car. It ain't luxury, girl. Because your debt payments right now are$914.51. Gas room from drive, drive. How much? Not much now. will be when you go drive to the blowout bar. My work drive actually got shorter just as of two weeks ago. How much? So I would say probably$150. Phone bill? $60. Yeah, switch to Helium if T-Mobile's getting that area similar towels to that. Okay, then maybe not. It is good from the vast majority of people out there. Car insurance, how much?

1:29:16I think it's$169. Not the worst. You don't have to do groceries. Well, how does the food work if you stop eating out? Would you have to shop for yourself? For most of the stuff. Okay, let's give you$300. Let's just be generous, which most of. Let's be generous. Meal prep, meal plan. That's what you're doing. It'll be good for health as well. TP, find anything else you need to survive. We'll do about$100. That is tampons, it's toothbrush, toothpaste, all that good stuff. Again, some of it will be provided by the house. Some of it not like toilet paper will be, but medical health care, any copays monthly basis?

1:29:48Yeah, they're pretty high. How much? Probably like$500. What the f***? Therapy? No, I have one prescription that my insurance doesn't cover. Okay. And subscriptions? I'll try to do$40. Do you have any pets? I have two. What? Cats. Okay. $100 pet insurance. How much for cat food, cat supplies? Probably like$100 a month. Okay. I generally buy a bunch of food at the same time when they have sales. Anything else that needs to be in this budget? I would like to know what I could afford rent-wise. None. You have an extra$100. Awesome. So you can afford$600 rent. Yeah, you'd have to do public housing, subsidized housing.

1:30:42Nothing on this job. No, that's why, again, like I said, your budget's not the freakout. The freakout is you.

1:30:50You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required, compatibility and availability varies 18+. We need to get a f***ing job. We need to update our certifications. Maybe you'll get lucky, get a dispatcher job again. Let's not lean on it, though. Let's try to get our skills, our resume together and get into a new career field.

1:31:23That should be your main focus in somewhere with opportunity. Unfortunately, that is the reality as well. That's it. I mean, I'm sorry, this doesn't do anything. You're going to have to sell the car. The minimum payment goes down a little, let's say$500 to$500. That saves you an extra$500 here. But that's pretty much it. From there, you just got to... You can pay off your Wells Fargo like that immediately once the car's sold and all that good stuff. And you've got to chip away at the Disney and City. And that might take like a year or two with the current job, but with a better job much quicker.

1:31:57And then all of a sudden you're out. Actually, since those are draining you, one thing I might do is I'd use the majority of your emergency savings and pay off those credit cards. Because they're draining you. I mean, you're losing more than you're gaining in any kind of high-yield interest. So math problem right there, just get rid of it. What do I do with all my retirement accounts? Leave them. Roll them over eventually, but it's fine. Interest all in separate places? It doesn't matter right now. That's the least of your concern. As long as they're invested in something, they're going. So don't worry about it.

1:32:28You shouldn't be thinking about that for a while. Pay off these debts, get rid of the car, get a new car, get a better job. Those are the operations. Okay? I'm going to call the mom of the post show. Big confrontation we got to do here, but let's get the hammer of financial score first. While spending in a budget, spending money you definitely can't spend, clearly, which is why debt is going up and savings is going down. Debt, no collections, but bad debt, family debt. Family debt, I'll still give it a 1 out of 10. Emergency fund, there is that. You do have that saved up. So your debt score will substantially go up because you'll put that, but your emergency fund score will go down.

1:33:01But for now, where it stands today, emergency fund, it's actually a 10 out of 10. Retirement, definitely behind for your age, about a 3 out of 10. Real estate, 0 out of 10. But I am happy that there's a retirement. Three is better than most people, unfortunately, especially in America. Hammer Financial Score, also better than a lot of people on the show, three out of ten. Get yours at CalebHammer.com. Now click the Join button or the link in the description below to join Hammerly. Get three premium shows every single day, Monday through Saturday. It's incredible. Or you can go off-platform on the Hammerly app or Hammerly.com.

1:33:33Either way, same membership on all platforms. Love you guys. See you there. So I know she lives with you right now. Yes. And your husband, her father, has said some sideways comments. Your daughter is kind of leeching off you guys. I don't understand how she's draining her savings. She moved back home when she sold her house. We asked her to pay off her. With the money that she got from her house, because she had plenty to do that at the time. Why would you hide that from your mom? I just launched the brand new Hammer Elite app available on every major platform. so you can watch every show anywhere you want.

1:34:12You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.