The Most Hated Person In Financial Audit History

24:54Typically, sign-up bonuses is only five bucks but with my link you get twenty dollars ladies and gents you get money i get money enjoy links are in the description below i was working so you had a job yeah no listen again obviously payment collectors i got a letter someone knocked on my door hey you want to know an answer to a question maybe shut the f*** up i should tell myself that sometimes but you just don't answer questions so i'm gonna interrupt you either way listen they knocked on my door. Uh-huh. But okay, listen, if you were able to answer questions and tell me what happened throughout the auditing process, maybe I would say, yes, you got audited.

25:30I don't know. It sounds like to me that the payment services that you use, like PayPal, you know, reported to the IRS, just as they do every single year, and they gave you your end of your statements, you filed incorrectly, and then said, hey, you owe me more money. No, it wasn't like that. Okay, then tell me what. Okay. Literally, if you were able to just tell me what the f*** happened, I would just be able to listen and know. You're incapable of actually giving details for anything. You just say, I'm going to do better this year. Six months, it's$8 ,000 to death. Oh, I was audited. Why were you audited?

25:59It was an audit. Shut the f*** up. How would you actually tell me something? Oh my goodness. I'm sorry. I'm coming in hot, but this is, nothing will annoy me more than someone who literally just can't f***ing say something. Answer. I was, they had me go back to every year and redo it. Okay. It wasn't just the previous year. Okay, so they were asking for a lot of detailed documentation. Yes. Good. Thank... How long did that take? And you did that yourself without the help of anyone? No, I did pay the Craigslist person. The Craigslist person. Okay. Okay, so, but she said, you really, once you already...

26:35Who's she, Craigslist or IRS? The Craigslist person. She said, once you already get audited, you don't want to f*** around too much and it's better to just pay because even if like, so let's say like, oh, in 2018, I brought my camera. I did this, this. She's like, you don't want to go and try to do a bunch of write-offs because they're going to be really looking at every single write-off. Agreed. So she said it's better to just suck it up and pay it. Agreed. And then fix it in the future. Agreed. So. Like amended in the future? No. Like post-audit? She said don't. She said don't. The last years, I would agree with that.

27:09Yeah. She said don't try to, the more you do now is like, they're going to be at a microscope scope looking at it. Yes, absolutely. Yeah. So, but now for like 2023, I broke even because then I learned about the write-offs. Did you do them correctly though? If they gaze their eyes on you, will they be like, actually, this is not a write-off because what most people think is like write-offs and deductions aren't always 100 % true. Well, I took her advice and then I... Her advice or did she do the taxes for you? Because she would do it correctly. Actually, some CPAs don't even do it correctly. Yeah, she did those.

27:40She redid it. No, you're 2023. No, then I got a second Craigslist because once she did it, I still owed so much money. I still owed so much money. Probably correctly. And then you had someone come in and do what you wanted to do to almost illegally eliminate expenses. Work smarter, not harder. You might be audited again. No, I think I'm smooth sailing now. Why? Well, and then this year I owed money because now I make so much. Uh-huh. So I have to be doing it right if I'm still owing money. So do you owe from the audit still? I'm working on it. Is that what's in front of me? That means yes. When you answer that question, the answer's yes.

28:16Oh my goodness. It ebbs and flows, though. Am I grumpy or are you incapable of answering? I can't tell. Sometimes I don't know. No, it ebbs and flows. I've been working on paying it. Oh my goodness. Oh my goodness. I don't like you. Okay. It ebbs and flows. You're just like, dude, I swear, just put it in a fucking coin and you pop out like five catchphrases. It's so funny. It's so cute. It's so cute. We all love it.

29:04for more details

29:12She still dodges their calls? Whose calls? IRS? Are they calling you? Okay, backstory. No, backstory. I hope there's details in this. My wages were garnishing because I was working. Yes, fair, good. And then when I left that job, they had nothing to garnish. But they still wanted their money. Uh-huh. And so... I'm going to pay in taxes. Then they knocked on my door with saying, like, you have to pay this and we're canceling your payment plan because you're not making the payments. But I didn't answer the door so that they can't prove that I ever got the letter. Dude, this is the IRS. This isn't some random law firm, though.

29:46We're smarter, not smarter. No, no, no, no, no. Who did you consult for that? What do you mean? I just didn't answer the door. Exactly. So you didn't try to get advice from any kind of expert that would say to do that. No, I'm going to pay it, though. I don't need advice. I certainly hope so. I don't need advice. I'm going to pay it. I hope so. But what they could, could, could, might not. Again, you're lower on the scale. No, you're right. My CPA person did say, especially in California, they will boot your car. Yes, they could do a lot of things, but they could also, if you go back to employers that are employing you for these photography teams multiple times and they see that, they could go to them and they could garnish your wages from that before it hits you.

30:22There's a lot of things they can do. They have all the power in the world. Honestly, it's easier if they just take it. Yes, it is. And maybe they should if they're listening because you're an irresponsible brat. Listen, if I have to pay millions in taxes that I could be investing in the business or, you know, doing whatever I want to live my life because apparently I got to pay like 50 % for me and kill myself, at least pay like you're 25. Don't be a... I told you I'm working on it. No. Okay, she's working on it. Very good. We know how much came in last month. It was about that 10. That's great.

30:55How much did you spend? Wait, what was last month? Like September? About 10. Last month was September. What did I do last month? it could be it could be up there I don't even you don't know where there is oh I I think I went to a basketball game last month so it could be up there yeah basketball games notoriously thousands of dollars yeah how much do you think you spent you absolute answer the fucking question well probably there is nothing basketball means nothing oh up is nothing give a number I probably spent a lot last month like 10 $12 ,000,$15 ,000. Wow, okay, big range. Yeah, it was$19 ,608.59 and you're giggling about it.

31:40You don't care. You're obnoxious. What is wrong with you as just a person? I went to Seattle last year. As a personality, what is wrong with you? I went to Seattle last year. For a job? Well, yes, yes. Then shut the fuck up. What is wrong with your personality? But I restocked up. Shut up for a second. You think this is cute. You think you're cute. You think you don't have to take care of your responsibilities and pay your IRS bullshit. I'm working there. And you just fuck around and every single thing you say, I'm working on it. I can fix it in six months. It's only$8 ,000. Oh, the money I spend is up there.

32:09It's, you know, 8, 9, 10, 11, 12, 13, 14, 15, $15 ,000, somewhere in that massive range. What is wrong with you? Your personality is whack. It's... You have a sh** personality. To be fair, my friends still owe me money for the basketball game. They're going to pay me back, so... To be fair, I don't know how the f**k you have friends. It's going to be less of what I spent. Lindsay's telling me your friends are not going to pay you back. They're working on it. Oh, and that you know it because you told her. And now that you're on camera, you're a catchphrase. I'm working on it. They're working on it in order to just move on from a question.

32:44Shut the f*** up. You told Lindsay they're not going to pay you back. I was. How much do they owe you? Well, it was a women's basketball game. It wasn't that crazy. It was the Valkyries. Yeah, that sounds like they probably paid you to come. Probably. I paid for everything. I assume they'd like throw a 10 in for gas. How much did a ticket cost? For all four tickets, I probably spent like$600. Oh, you got scammed. That's impossible. Well, it was upper. That's extra impossible. It was upper-able. Dude, floor seats at a WNBA game is about$2.50. And they throw in a bag of popcorn. No, it's because the Valkyries, they're in California.

33:23It's their first year. It's their inaugural season. so everyone was very excited about them. Who is everyone? All the Bay Area. Bay Area. Yeah, all the tech bros really care about WNBA. They got to the playoffs. I didn't go to that. Nobody did. Anyway, so we drove. I thought people would pay me for gas. Nobody did. We went to the game. Why do you have such friends? I like to offer to pay for things because I'm wealthy. It's nice. but I don't have expectations of payback nor do I want it but you clearly did and yet they just don't like these don't sound like good friends I think someone bought me a drink wanna know a dirty little secret and no I'm not starting an only you're not broke because you suck with money you just can't see where it's going if your bank account is empty at the end of every month that is not bad luck that is bad tracking And it's exactly why I use DollarWise.

34:23It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. One of them's my sister. I should mention that. I'm just wondering the fact that you expect for them to pay you back and they're not. It's a loose expectation. Okay. I can afford it. Maybe. Not really. You owe the IRS money.

34:59Can you afford anything? I would suggest no. I can. I mean, we got there. WNBA. Let's bring in Erin. Erin is not here today, so I brought you our best lesbian dica. Oh. This is not going to work. I can leave. No, come join us. Do you know basketball? He knows basketball. I love Caitlin Clark. Okay. Oh, Caitlin Clark. Everyone does. All right, Mika, come on in. She wasn't there, though. Usually Erin does this, but I have the next best thing. Her boss. We're trying to get her lesbian score zero to ten. Zero to ten. Trying to get her lesbian score. You can ask her questions. Besides Caitlin, name three WNBA players.

35:40Paige. Don't know who that is. Well, I went to see Caitlin Chin. What? That's such a general first name. Paige. I don't know. Paige Buckers. Oh, okay. Kaitlyn Chen. That's who I want to see because she's on the Valkyries. She's the first Taiwanese basketball player. Oh, yeah, yeah, yeah. Yeah. And then Paige's girlfriend, Ozzy Fudd. Who's the one that constantly gets made fun of? Angel Reese. Lindsay agrees. Yeah. Okay. Her and Kaitlyn Clark have that rivalry. Oh, that's a rivalry. Too much WNBA talk. It's disgusting. I think, yeah. Okay. Do you think it's fair to say that most women can't drive well?

36:18I can't drive well. Oh, okay. So a good anecdotal. You should see my car. I got like, I hit the construction code. Now the side of my car is orange. Okay. And my car guy, he told me never to use super glue. All right, let's get a lesbian score. Zero to 10. Zero being the best. Worst 10 being the best. Most lesbian. I know, I'm dressed normally. I'm going to give a five. Five out of 10. If you want your lesbian score, see where you stand in the world of lesbian. go to CalebHammer.com forward slash lesbian. Oh, we've got to go into this IRS. But what do you think your finances are? Zero to 10, zero being the worst, 10 being the best.

36:50Well, I probably make more money than the best. Oh my, zero to 10, zero being the worst, 10 being the best. So six or seven or eight. Oh, you're miserable. First of all, that's insane. You wouldn't be on this show. Ladies and gentlemen, if you want your Hammer Financial Score, see where you stand in the world of finances. Take the assessment. It is free at CalebHammer.com. See where you need to improve. See where you need to do better. Shut the fuck up. I am doing a call out. I legitimately do not like her. You are so annoying. Oh, my. And if you don't want to be like a guest who ends up on the show, you're going to need a lot more than this to not be like her.

37:21Just don't be an obnoxious. But download the DollarWise budgeting app and you won't be like her financially. Take the free trial. Sign up for the annual version if you want to save a lot of money. And when you do, I will personally sign my budget friendly cookbook and mail it directly to your door. This only lasts for a couple more months and then it's gone forever. No purchasing. No nothing. It's gone. It's dead. Okay. Nalowise.com. IRS. It looks bad on paper. What does that mean? It just looks bad because it's printed out on paper. And the alternative is... When I work on paying it off, it's not going to look as bad.

37:56When? It's always when. It's never I am or I have. It's always in the future. It's interesting how that works. That's how it works for anyone dieting. It's how it works for anyone budgeting. It's how it works for anyone going and getting a better job. It's how it works for anyone starting a business. It's always when I do it, never I am, or I have started to. On the post show. 2024 taxes,$7 ,391.22. It's not that bad. 2022,$16 ,303.88. 2021,$2 ,396.62. Listen, is it not that bad,$7 ,000? I mean, it's not great for your income situation. Absolutely not even close. But here's the thing. It is okay to owe a little bit of taxes as a business owner to not pay your estimated taxes perfectly because it's oftentimes based on last year.

38:40And if your business is doing well, it's growing, you'll probably owe more money. But as long as you're saving and setting up money aside in order to pay your end of balance from previous year, that is okay. But deferring, not necessarily great. You might have to pay some fees, you know? And especially if you have to pay on a payment plan, which you're getting to, that is not good. You didn't defer your f***. You owe in general. Insurance accruing interest in your f***, okay? Huh? Why? Because they don't trust you because you're a moronic. So you just owe this out of the gate. $26 ,091.72? Yeah.

39:14F*** you. Can't. Sorry. Interest is accruing. And probably, it's usually Fed rate plus like three. So we're talking like maybe like seven, eight. Honestly, it might even be like 15%. What? Out of penalties and f*** you? Oh, penalties. Oh, yeah. I think, okay. I think it might be a seven, eight interest rate. and then I might be getting penalties. Why? Because the payment plan. So why can't you get on a payment plan? What happened? I didn't pay the payment plan. But now. Why? That was such an opportunity. And now I have a plan to pay the payment. I'm going to make a bank account where I'm going to put money into it.

39:56And then every month I'm going to draw directly and then that way it won't fault. It won't fault? Yeah. Like, isn't that what it's called? when it... Oh, it won't decline. That's why I got canceled from the payment plan because my card declined. Why don't you have enough money in your checking account? Why can't you manage... I don't know. It just... Eps and flows. It eps and flows. I'm going to... What are you? Eps and flows. Because... Can you... Hey, new rule. You can't say eps and flows or I'm going to work on it. Okay? You can't. You can't. Can I have the spray bottle? Where's the spray bottle?

40:30She needs punishment. Oh, did we lose it here? Well, you don't want to mess up my makeup anyway. I don't give a f*** about your makeup. I'll be completely honest. Um, I need a punishment. I need to make sure you don't do something. Is there a way to harm her without physically harming her? You can just, like, smack the paper super hard. That'd be great, please. Thank you. Ah, green. For the sake of brand. Matches my sweater. Say it again. Get the whack. Okay. Then the rules. I'm a rule follower, so. Except for paying your taxes or budgeting or doing anything. I was little. What is this? I was little.

41:14Okay, new rule. You can't say I was little either. That's now off the table. That is whackable. Anything before your frontal lobe develops. That is whackable. Frontal lobe. Are you going to do the 25 frontal lobe thing? It actually is 28 when it develops. No, it's person to person, first of all. Okay, I nominate myself as a 28 developer. I'm an I'm an H.U. Listen, I read a whole psychological report on it because people on TikTok and Reddit love to abuse this 26-year-old, 25-year-old frontal lobe bullshit. From the vast majority, it's either like 16 or 18, is world experiences. It's not actually just sitting there and it's like, oh, it's developing, it's developing, it's developing.

41:53That's not how it works. it's mostly for the absolute for the vast majority of the brain doing through growing with ages is done by 16, 18 then a lot of it is life experiences and if you're just locked inside being a little brat baby then obviously yeah it might not be developed until 35 and it's gonna be person to person regardless it might be 21 for some it averages out at about 25 but shut the f**k up you think you should be forgiven everything at 24 you don't feel your frontal and by the way It is a gradual thing from 15 to 25 anyway. It's not like 25, oh, I'm not f***ing anymore. That's not how it works.

42:30You are still responsible for the things that you have done and the mistakes that you are now dealing with. I was young, 2021. You weren't that young in 2021. I don't know. What was I, like 26? Yes, that would be the math. My frontal lobe was... So you completely dismissed everything I just said. No, I know my frontal lobe. I know one. No, you don't. Yes. No, you can't feel it. You can't sit there and be like analyzing it. My decisions got a lot more wiser when I turned 28. Based on life experiences, it wasn't because you turned 28 and it just clicked in. I swear, you TikTok, Reddit people are actual parasites on this planet and don't understand anything.

43:10No, I'm not as bad as some of them. And use anything you can possibly find. One little anecdote and some psychological analysis and you base your whole worldview and excuse everything on it and infantilize yourselves to the ultimate extreme. Some of them are wild. I don't like that like, oh, I have trauma so I can't do anything. Come on. You're just like, you're on that same level. You just picked on something else. You picked on the frontal lobe argument. No, it's valid. No. No. Yes. But it's literally not. It's mostly life experiences. I think you're saying this because your frontal lobe is still developing.

43:46Oh my f***. I hate you. You're obnoxious. My interest rate might be on there, actually. Oh, no, never mind. Well, listen, I was looking and it wasn't, so no. I didn't realize that was a card. You know, frontal lobe. This is a nice paper. To fully develop to be able to read numbers. It's telling me how to avoid owing a balance. Uh-huh. I'm going to do that in the future. Is your hippocampus fully developed so that you can actually learn from this? Yeah. And not do it again? Next year, I'm going to be so on it. Next year, full hippocampus. We're working on it. Gotcha, bitch. I didn't say it. Yes, you did.

44:27We're working on it. Yes, you did. No, you said I can't say the other word. No, I gave you three things. Your catchphrases, your moronic, obnoxious catchphrases. Sorry that it just damaged your frontal lobe and set it back five years. Probably. Southwest Rapid Rewards. What's going on with this card? Okay, so basically, I'm very responsible. I've never, this is only my second credit card. Okay. Dude, this stack of paperwork is so bad. I had a good reason for getting it. I needed a couch. And perk, I would be able to fly on Southwest. You want to do Southwest out of all the airlines? I don't want to, but that's...

45:05Then what the f*** are you talking about? That's the second biggest airline out of Sacramento. Uh-huh. So it's not my favorite. I don't like it. Nobody's favorite. But that's what flies out of Sacramento. Okay. Okay, again, the reason specifically for the rewards to align with, you know, your airline thing, that's okay. I mean, the couch is kind of moronic. Why don't you Facebook marketplaces? We know you're on Craigslist. Well, I don't want like lice or something. Dude, I swear this is the argument everyone... You could get a professional... Dude, with a professional cleaning of a couch plus picking it up from a rich area where they're just trying to get rid of it, will still be 10, 11, 20, 100 times cheaper.

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48:20Well, if you have friends, like you said you do, they will help you. Not that are going to move a couch. Okay, so you have bad friends. It barely fit in the elevator. You have bad friends. 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 So update on Dave It's up to you We'll take the laundry Rinse, it's time to be great Bad friends Barely fit in the elevator But it did and you have bad friends I didn't ask Look it, part of making good money How much was the couch?

49:10Part of making good money Is paying for convenience convenience. So what? You have the ability to pay for convenience because you make good money. Sure. You owe the IRS money. So I paid to have the couch delivered. I swear. I swear. I say things and you don't actually listen. I'm going to answer your question. I paid to have it delivered and I paid for them to haul the other couch. And it came out to about$7 ,000. Oh my. You are broken. What is wrong with you? 7 ,000? It's a modular couch. I don't care. I can make the couch bigger. I don't care. It's going to grow with me. It's also my first couch.

49:47I've never had a couch before. What is wrong with you? What do you mean you've never had a couch? Never had a couch. I've always been sober. Your family's house never had a couch. Well, yeah. I moved out at 18, though. Oh, 18. Oh, what a tragedy. What? I haven't had a couch since 18. Who cares? Who cares? So this was a grown-up investment. You know all the tech bros that f***ing move to Silicon Valley where you are probably just have an air mattress and an Xbox and a TV. That's it. Probably don't even have a couch. They're grinding on Battlefield and then coding all night. Yeah, they work all day.

50:16So that was like, I quit my job to do photography. Oh, so we had to get a couch? Yes. What? Because like, where am I going to sit while I edit photos? A desk. I don't have a desk. Well, that would be cheaper. A nice little Ikea desk and a desk chair. I don't have a chair. Dude, I'm saying. You're actually. Dude, I think you actually might be stupid. I don't know how you got to where you are. Well, I went to Target and I got those folding chairs. Well, there you go. You've already accomplished what you said you didn't have. You've already accomplished what you said you didn't have. But I can't sit in that for eight hours a day.

50:51No, of course not. I already have a bad arm. I'm not trying to baby myself. You get a$300 chair that has adequate lumbar support and all the good stuff, good posture sitting, and a$300 desk and that would have been cheaper and grind on your photography, cash flow a couch when you can get it. You put it on a credit card. You didn't cash flow it. I was going to pay it off. Was gonna? Was gonna? I think I did. No, you absolute moronic freak. You owe$7 ,217.89. That's perfect. How are you seriously somehow becoming my least favorite guest on this show? This cannot be. I cannot tell if it is me or you.

51:32I really can't. I can't. The audience calls me out when I'm being grumpy. No, I don't think you're grumpy. Am I being grumpy as her? No, you're not grumpy. Okay. You seem like you're in a good mood. That's the nice person's version of saying you're a horrible, obnoxious creature. I see you being more mean to other people. I am holding it back. I feel rage within me. It's because I'm so cute. We're not going to talk about that. Let me just say, use those stairs and not the elevator a bit more. Anyway. Sorry, I'm just being mean because I don't like you. I don't even want to be mean. Except for you, I do.

52:10I carried my suitcase up the stairs. To here? Yeah. The one flight? It's like one and a half. I'm sure that was traumatic. No, like I said, I live in a third. I use the stairs. Anyway, let's go back to this. So what I will do is I'll get you a course career certification in accounting. You got to learn the numbers around your business because the fact that you can't even do the numbers in your business is insane. How long does this take to pay off if you only make your minimum monthly payments and you do not purchase on it? Which, by the way, you're incapable of as you purchased$3 ,000 last month.

52:39So it was substantially higher than your payment, more than double. Well, I'm going to - How long does it take minimum only? And no, you're not. I'm going to shut the f*** up. That is one of the whacks, okay? I don't know, like 15 years, but I pay it off every month. No, you don't. You didn't last month. You absolutely don't - It's a rule. It's like a, it's a rolling - Shh, shh, shh, shh, shh, shh. Listen. Shh. Quiet. it. You didn't. It accrued $148.77 to finish this last month because you did not pay it off. Shut up! You paid a fifth of it off. Oh, I don't want to finish this episode. You are...

53:14That's better than some of your other guests. Why does that matter? Why does that matter? No, it doesn't because, listen, sure, it's a bigger payment than some people make, but you spent double on it. You spent double what you put on it, so you completely negated it times two. Like, it doesn't make sense. You can't tell me you pay this off every month because it's not even close to true. Listen, you've had a thousand hours of interest this year so far rounded, okay? Oh, I only got it in April. Oh, you are a broken individual. This is your second credit card and you only got it in April this year and yet we have this stack to get through.

53:49I don't need to know why. I already know why. The why doesn't negate the timeline. You actual incapable of having a conversation beast. Yeah, it's a new card. I just got an April. Do you need some joy? Do you need some joy? I need to wrap this so I don't have to be in front of you. This might make you feel better. Okay, yeah. Ha ha ha, everyone likes bringing in their plushie now that they know that it triggers. Shut the f*** up. You're not cute. You're annoying. You didn't even look at his little slippers. I don't give a f***. You're annoying. You're obnoxious. You're not funny. You're not cute.

54:23So cute. Nobody's laughing at you. That's cute. Nobody thinks you're enjoyable. Bowl. You're a miserable existence in front of me right now. You're going to Radcliffe's. You're going to Radcliffe's. Taco Bell. LSU Townie. The Snug. Shady Lady Saloon. Raising Canes. Walk the Line. Department of Air something. I don't know. Maybe. Hidden Dumpling House Midtown's Cantina. Which one was comedic? I like to go out with my friends. Oh, do you? Those are like all bars. Oh, wow. Okay. Wow. Yes. Let me shake your hand and tell you it's okay now then. What? I don't. No. I live downtown. Right downstairs.

55:09You like to go out. You did not have to tell me. I knew that. They knew that. Shut up. Sorry. Ross store. Well, Trader Joe's is a bull. I don't know why that's highlighted. Southwest. Yeah, American Airlines, but that's probably for the job. The Golden Bear Willow Oak Fire Department? I'd like to donate money. I might have donated. That might be donated. Why else would I pay? You spent double what you made last month, and you owe the IRS money, and you're donating money? Yeah. What's the point of making money if you're not going to pay it forward? You owe still. I agree. Pay it forward. After you pay off what you already owe.

55:52I think it's pay it forward. Oh, my. I swear, you just literally, you say something, I then make an argument against it, and then you just repeat what you said before I made the argument. It's like, I told you$10. I told you$10. Your argument's not valid when you owe the IRS and you're not saving enough money for taxes. Support our fire departments. Yes, I agree. And you can support it by doing much more in the future once you pay off your debt and have a fully funded emergency fund. There you go. Do that. I'm sure, okay, I'm sure they're fine. Warby Parker, Warby Parker. that can be okay. That's why I just said it can be okay.

56:30You beast. Shut up. Snap camera. Little camera. McDonald's. Old Navy. Nails. Then donating to PBS? $103? The government like defunded them or something. Dude, the government's not able to pay bills because you're not paying your taxes. No. No. PBS I think is privately funded. Mostly, yes. Yeah. It has been for a long time. time. You have no money. You already owe the government money. Isn't PBS like being canceled? Like nobody's giving them money anymore. So I think, um, I don't, I don't follow politics. I don't know for sure, but I gave them a little. I think PBS and NPR had their funding removed, but if I'm not mistaken, NPR, it was like 2 % came from the government anyway.

57:14Well, there's still local and state government. No, they have a hundred more dollars. Iris, please just come take everything she owns. Honestly, honestly, please destroy her, Destroy her, please. She deserves it. They might take you seriously. I am serious. I can get that. You're an asshole. I can get this. You're going out donating and spending money with your friends when you owe the government money, and I'm out here having to write checks of disgusting amounts of money. I can handle it. You do your part. I'm okay with paying my taxes. I am. We're working. Sorry.

57:48It's a progress. It's a process. You're doing it. You didn't say... Come on, that's the same f***ing part of it. Your stupid catchphrases that mean nothing. Because you haven't done s***. There's no indication in here at all that you have ever tried to be decent. You don't see any payments to that? You spent double what you paid towards it. Shut up. Anyway, I had to get the glasses since my insurance got cut off. Yeah, I didn't complain about the glasses. I'm just letting you know. That's why it's so much out of pocket. Okay. Yippee. Didn't complain about them. Cost is you need them. Listen, you can use the Fizz card, debit card that builds credit at least because you can't spend more than what's in your checking account.

58:31And clearly you need that discipline. Obviously you have the yearly fee on this card. I don't think it's that much. What? What? What is it? What is that much? That doesn't make sense for anything I said. It's Southwest. It can't be that much. The annual fee? Yeah, it can't be that much. $69. Agree. Was I shitting on it? Not necessarily. I was just calling it out. You absolute impossible to be around human. And I'm being generous calling you human. Delta Sky is platinum. What's going on with this? Because I like to fly Delta. Delta is my preferred. Also, it is a reserve card now, not a platinum.

59:09Might be good to mention. Great to mention. So when I fly, I can go to the lounge and get my little drink. I'm sure that makes you even more tolerable. $314.75. Of what? Your minimum fee payment and then your... It's not bad. I always pay that.

59:32If I don't pay - Shut up. Your balance is$9 ,421.06. Yeah. 21 years to pay this off, minimum to payments only. But I pay it off because if I don't pay it, then I can't use it. Interest accrued. You didn't pay it off. You're a liar. You're a manipulator. I got to keep using it. Just you are a miserable existence on this planet. Shut up. You do not pay it off. Okay, just hear me out. Hear me out. What I do is I have to make sure there's at least like a little bit of wiggle room because I have to use this to purchase my flights. So I do pay a little off every month. You done? Is that it? If it goes...

1:00:11That's your special little speech? Yeah, I want to make sure I keep my lunch access and my upgrades. I don't know what... I like to be upgraded to first class, so... You know. The only seats that fit you? Boom. Roasted. I mean, depends on the day. Sorry, I'm just being mean. I just... I really... There's something wrong with you? and that brings out the worst in me. I've seen worse on the show. Nah, the fat stuff is very personal though. Because usually I like to help people. Like actually like tell them like, hey, it's not okay to be that because you're going to die early. Because you're going to die early and stuff like that.

1:00:50Blah, blah, blah, blah, blah, blah, blah, blah. But for you, I'm just doing it to insult you because I really don't like you. I think you do deep down. No, I promise you. Do you like this sweater, though? I got it for the show. It's fine. I don't give a f***. I wanted to make sure I stood out. So you wear the brand color, I guess. Yeah, okay. Yeah. Elsie Bakery, Paramount Plus. Really, Paramount Plus, that's what we need? Spongebob. Huh? There's Spongebob on it. Oh, I get it. Anchorage. You're actually, okay. It took me seven episodes of Spongebob to get from Anchorage, too. Amazon, Chick-fil-A, ABC.

1:01:31What the f*** even ABC? You're paying for ABC? Is that on Disney Plus? What the f*** is ABC? That might be the ABC store in Vegas. Clear Me, Italian, Hera Hotel, Amazon, Hotel, Born and Bred, Swig, Moxies, Hertz, Car Rental. And again, the f*** personal versus business. Just separate them, asshole, because this is impossible. See, some of it's business spending. It's not that bad. so yeah Haras Haras was in Vegas I can't believe I'm only two thirds of the way through this so it's a work trip it's a work trip oh and that is the ABC have you been to the ABC store no it's like a really big store and the water is only like 79 cents so it's better it's actually I'm working smarter than going to like anywhere else in Vegas to get water and I need I need water and they have these gushers dipped in like lemon juice It's really good.

1:02:31Poneysian, McDonald's, more Delta, Amazon. Oh my f***, it goes up forever. And did you gamble while you were in Vegas? How much did you gamble? First of all, backstory. Can you just answer the question? Vegas was one of my best tricks. Can you answer the question? I made$20 ,000 and I only gambled like maybe$1 ,000. And I won$400 ,000. Wait, what? I thought you said you made$20 ,000. I made$20 ,000. Not from gambling. On working, yeah. So you lost money. So my treat to myself. You made 400, you spent 1 ,000. Yes. So you lost money gambling. Okay, very good. But overall, I still made profit. So you're about to make a trade based on a friend's text.

1:03:12But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. First of all, you gambled about$2 ,000. Yes, yes, but not from gambling. That's more money than it could have gone to the IRS. It's my treat. Asshole, asshole, asshole. It's my treat. Asshole, asshole. You don't get treats when you owe the IRS three years. Asshole, asshole, asshole. You owe money. Asshole, asshole. It goes, asshole, asshole, asshole.

1:03:59Every time you talk right now, you're just literally getting cha-chinged on the show. So, like, I don't give a f***. I don't give a f***. Shut up. There is no excuse for gambling when you owe the IRS money for three years of taxes. I only go to Vegas once a year. It was just a little treat. Dude, I swear. Everything I say is just bounced off of you to somewhere else. I don't know what happens. You don't acknowledge anything I say. Edge Cart who I don't understand why you're on the show Dockside Diner Hilton well you're getting some bullsh** with Hilton bullsh** with Hilton Rose Skin Nugget Market Canopy went out to you somewhere Amazon Wax Bar Salon Pasley Galleria Junior Hungry Root Hertz Car FH something Canopy Hotels McDonald's Blanco Arco So, Terribles Resort and Spy Delta Air.

1:04:58Well, Whole Foods can be okay. Yeah, I mean, interest this year,$1 ,500. And total fees is, I believe, over what the annual fee is. I think you may have had some late fees this year. No. Yeah. 30 % interest rate. Pull up your Amazon. Start a screen recording. It's not that bad, actually. By the way, instead of stopping at the store and getting some bulls like she endlessly does, try it here. Are you an energy drink person? Eh. I'm a coffee girlie. Okay. Well, this is essentially like these free samples, which you guys can get free samples, go Caleb at gamersubsgg.com or gamersubs.gg or link in the description below.

1:05:36But 25 cents a servings for your energy drink when you make it for yourself. It's like making your coffee home instead of going to Starbucks. Stop going inside. 10 % off. No more stopping and getting to the bull. 10 % off. Link in the description below. Get your free samples as well. A lot of those things are needs, not wants. I love when you interrupt me endlessly. Okay, paper towels, that's okay. A necklace, bullsh**, don't need it. Yeah, you just purchased a s**t ton. I think some bananas, a Pop Mart bullsh**. It's for my sister for Christmas. Don't need water bottles again if we're buying a book.

1:06:10What? I live on the third floor. I have to get water delivered. Huh? You can't have a Brita? No. What? Those are gross. Oh my f***, I'm gonna die. You are just the worst beast ever. Shoes, I guarantee you had them. Lotion is not the worst. Toilet paper, okay. No Italian coconut body lotion, fine. You didn't need strips of sticky s*** right now. Trash bags is okay. You didn't need a wireless outdoor camera. You didn't need it right now. You didn't need the ring camera right now. No, I did. You didn't need the pallet. You didn't need the f***ing wooden artist pallet. It was for a photo shoot. Exactly.

1:06:46You didn't f***ing need it. It was artsy. squeeze bottle didn't need it I assume you had sheets you didn't probably need that paint colors you definitely don't need plastic paper plates when you have plates that you can wash so you cannot afford this life no because I travel you can't afford this life I don't want to do dishes all the time you can't afford this life shut the f*** up portable selfie lighting kit probably makes sense with your thing you don't need a cell phone stand and other selfie kits so I don't know why we need twice health and fitness mini stepper maybe just don't take the elevator Vinyl gloves.

1:07:19I don't know if we 100 % need that. Under eye patches. I mean, come on. What are we doing? Plastic flavors for kids. Party flavors for kids. Whole Foods Market. Yogurt. I mean, come on. It was like 50-50. Yeah, 50-50. Yeah, but 50-50, when 50 % of it should be going to the IRS or paying off cards so you don't have debt. Listen, as a business owner, you want about a 12-month reserve as an emergency fund because business is harder. business is harder shut up will you seriously be quiet you are so annoying you are incapable shut up guys just real quick don't forget to take your hammer financial score at calebhammer.com see where you stand where you gotta do better where you're doing shit listen it just takes a few minutes and it is free figure out where you stand in the world of money calebhammer.com Starbucks is bulls**t and a waste of money and you already know that by making your coffee at home and invest in the rest.

1:08:17So now you need to do that with your energy drink as well. Make Gamer Supps at home for just 25 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 Supps. 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. You having any debt while being a business owner and not having an emergency fund is so much risk over your head.

1:08:55Pay off your debt, especially IRS debt. Get rid of the risk and get a 12-month emergency fund. And doing all this while you don't have that is beyond unacceptable. Beyond unacceptable. It's coming together. Shut up! I didn't say the word. Come on, that is the same thing. It is the I'm going to do it. It's coming together. I'm working on it. Shut the fuck up. No, you're not. It is not coming together. There's no indication of anything that is happening to that. No. I mean, I know you're being worried about being evicted in February. Well, yeah. Well, yeah. Tell me about it. Because my apartment's like rent controlled and I make too much.

1:09:35Good. So. Good. First of all, Sacramento's for enacting a policy that's performative and sounds really good, but just makes housing more expensive for 98 % of the population and discourages building. Not that Sacramento has good zoning anyway. Failed state completely when it comes to zoning. At least they finally passed a law to build up zone near transit. Not that they're going to enforce crime near the transit anyway, so no one's going to use it regardless. Bullshit. And then you, you're the one in rent control? Fuck you. What a piece of system we have. When I started. I'm glad rent's more expensive for 98 % of the population in Sacramento, so you six figures can have a rent control department.

1:10:10When you started, but you've been doing well for three years. So shut the f*** up. Yeah, that's why I have a plan. I'm going to move to San Diego. And I'm not going to keep taking advantage of the rent control department. They should kick you out two years ago. No. Yes. Yes. Well, they just asked for my pay stubs. You are being subsidized by everyone having to pay more rent. Also, performative people can say, oh, rent control. Because it sounds really good. It feels really good. It never works. There is not a single city in this world that has enacted rent-controlled policies and rent did not only go up.

1:10:45The contract is I can make up to 100 % more than I made when I moved in. Okay, well, your rent's going to be about double from the averages we pulled. When I moved into the apartment, I was only making like$35 ,000 a year. That's when you moved in. You've been doing well since then. But I could make 100 % more, but now I passed that. So I could make up to$60 ,000 a year. so it hasn't been that long this is so stupid it's such a flawed moronic system when we should actually be taking care of people who need it instead of people like you it's disgusting and then we punish everyone else for it just so people on TikTok can feel good about having a performative position instead of something that actually has end results that help people I needed it when I moved in when you moved in you didn't need it a year ago you didn't need it two years ago but I'm paying it forward by donating to PBS and the fire station There is no argument that will ever be effective to you because then you just repeat what you've already said.

1:11:39I know I'm taking advantage of them, but I'm paying it forward. Yeah, but your argument is, well, I need it at the time. No one discounts that. No one discounts that. But you didn't need it a year ago. You didn't need it two years ago. You don't need it now. You shouldn't have had it. I'm saving money to move. Yeah, you're saving so much. Shut the f*** up. PayPal, it's endless Uber, Uber, Uber, Apple services. Apple, Uber, Uber, Uber, Uber. DoorDash, great. Hey, guys, she needs rent control and then she's DoorDashing going out to eat every single day of her life. This is great. Thank goodness we all pay more expensive housing because of your failed policy.

1:12:08Uber eats endlessly. Ubering, Ubering, Ubering endlessly. DoorDash, DoorDash. Apple services. Uber, Uber, Uber, Uber, Uber. DoorDash, DoorDash. TikTok shop. But hey, we're subsidizing a rent with us paying all more expensive rents. You know, it gets passed on somewhere. Certainly doesn't go away magically. Buffy, DoorDash. Oh, good. I'm so glad we're taking care of you. So glad we're taking care of you and just supporting your travels. Supporting your travels by subsidizing. subsidizing you. I'm subsidizing you. I'm subsidizing you. You're a joke. You're a joke on society. Unless Uber, Spotify, Uber, DoorDash, Uber, DoorDash, ShipStation, ShipStation, those are probably okay.

1:12:45Or Uber. I think that Uber should get a pass. Shut the f*** up. Jellycat, TikTok, Apple, Flood Desk, Uber. Jellycat was for my sister. Okay, that's really good. I'm so glad. I'm so glad I have that knowledge now. You threw my Jellycat. See, I feel so informed. I feel so good. This is wonderful. You threw my Jellycat. Shut the f*** up. You've paid fees$216 a year today for your PayPal, by the way. So f*** you. There's fees on PayPal? Oh, there's fees on PayPal, yeah. Look at that. It's because you probably don't have enough money in there, or you don't pay on time, or you don't have enough, or whatever the f***.

1:13:18Endless Ubers, endless Ubers, Apple services. You're the worst person that's ever existed in the history of my life. PayPal, PayPal, Uber, Uber, DoorDash, DoorDash. This is bulls***. This is endless. I stopped DoorDashing. I'm not going to do that anymore. You stopped DoorDashing the day before coming on the show. Shut the f*** up. That's not how this works. That is another whack, okay? Listen, yeah, we all stopped doing things immediately. Yep, chargeback. There you go, 50 bucks. Why do you think you get fees? There it is. You don't have enough money. Endless door dashings, endless Uberings, endless...

1:13:43Valid. Shut the fuck. Sheen, sheen, dumb Apple bills. I need a new outfit for the basketball game. Pull up your phone, pull up your phone, pull up your phone. I don't want to hear you talk. Pull up your phone. For the basketball game. Pull up your phone. I don't want to hear you talk. I don't even want to hear your voice. In fact, I wish I could just... Unfortunately, if I mute your mic, I still hear you. And I'm the one dealing with it, so... Give me your fucking phone. Okay, she has AppleCare. Oh, well, it looks like it's paid annually. That's good. On her MacBook. I mean, that's fine. So my Mac...

1:14:14CapCut, you really need CapCut. You don't have anything else. And then Instagram, meta verified twice. You have two meta verifieds. Yeah, I don't want to lose my account. You have two. Yeah, I have two accounts. Use one. No. Don't be verified on the one that doesn't matter. They both matter. And then aesthetic photo shoot thing, guys. That's what you're paying your photographer so much for, her$40 subscription, to be able to make her photo shoots aesthetic. Just on my cell phone post. I have Lightroom. So anyway, I had to buy a new computer because... So anyway, shut the f*** up. You have a Nissan, it looks like.

1:14:53Yeah, just a little baby. Sorry, I'm not supposed to say little. Huh? Just a little car. You know that wasn't what I was talking about. I know. It was you calling yourself little. You see, she isn't capable of processing information. I'm trying to be funny. You're not. You're literally the... No, I don't think there's a single person that will find you funny or cute in this episode. I think you want to laugh. No. I think you want to laugh. Anyway, it's just a little car. It's not... Here's the thing. When a guest is actually genuinely funny, you hear laughter in the room. There has not been one piece of laughter from anything you've said this entire episode.

1:15:27I think they're scared. No. No, they laugh so easily. They laugh so easily when a guest says something funny. You are not funny. You are not cute. You are not a good person. You're horrible. You're disgusting. You're a beast. Because they're scared. Shut the f*** up. What are they scared of? What, are you going to pull out a gun? So what are they scared of? They don't want you to be more mad. I don't care if they laugh. They laugh all the time. I don't give a s***. They laugh endlessly. If I cared, they would see me caring every episode when they laugh. Anyway. They don't laugh. My car is not a big deal.

1:15:55It's just a little small car. Huh? It's not a big deal. It's just a little small car. I think it's like almost paid off almost. Probably. Congratulations on being one of the most hated guests on the show history. Because I know for a fact, right now, they hate you. I've seen some that are questionable. You don't think you're going to line up there? Your personality is horrendous. You don't think so? No one ever thinks theirs is. $195 a month. balance$2 ,796.29. So yes, you're nearing the end. Yeah, not terrible. It's not the worst for your income, but I'm being told you want to buy a new car anyway.

1:16:35Well, yeah, when I move to San Diego, I want to like go into San Diego like a fresh slate. So have a new car. Why does that matter? My car doesn't get parked at my house now because there's not parking. So I can't get a new car now. I have to wait till I have parking at my house. So that'll be like my treat to myself when I move. Oh, treat to yourself a car? How much is a car going to be while you're in IRS debt and credit card debt? Well, this is only$195 a month. You actual idiot. How much will a new car be for you? Like the same, right? This was only like$5 ,000, so I don't know. A new car, probably what,$10 ,000?

1:17:18You're not getting a new car for$10 ,000. I've never had a new car. Like I've never had a new couch. And then, like, once I get a new car, it'll last me, like, 10 years, right? It's an investment. Die.

1:17:36I'm just taking everything in my power not to kick you the f*** off. You have no idea. You have no idea. You have no idea. So, I'm going to get a new car. When I move to San Diego, not right this second, in February, before February. So much paperwork left, but I don't see, is that the end of the debt? That's, this is my main card. That's not a credit. It's not a credit. That is correct. Yeah. You have endless accounts in here. You have a main account, a main savings, a manifest account, which is, that shows me really how you are. My San Diego fund. Yeah. San Diego comes before IRS. IRS literally take everything away from her, including her apartment.

1:18:19Please, please. I'm not even kidding. like they should take everything from you you deserve none of this look what you're choosing to do while you owe them money it's disgusting emergency fund you preach emergency fund you preach emergency fund when do I preach it I don't know you tell people you hear what you want to hear and then nothing beyond that I say a one month emergency fund or highest deductible the money guy rule and then Then you pay off all your debt. Yeah, you wouldn't have a San Diego fund. You're an absolute creature. One of those is an IRS account. She can't process information.

1:18:59No, one of those is for the IRS. Hey, hey, hey. Yes. Take the mic. Push it away from your mouth. I'm not joking. Push it away from your mouth. More, more, all the way until it's on the other side. That's not fun. Other side. Go, go. So keep going. You are no longer involved in this episode. I don't want to hear from you. I am not joking. I will not acknowledge anything you say. You do not exist anymore. I am just going through these documents now. You are an obnoxious person who is incapable of listening to anything. And I'm just trying to get through this. If I have a question, then I will allow you to pull the mic close to your face.

1:19:43You're done. You're done. and nothing in my plan or Money Guy plan or Ramsey plan or any other plan that exists out there, say, have a San Diego fund. Well, you do all that. So across everything, you have about 6 ,000 sitting in there, which is unacceptable when you owe the IRS money. One month emergency fund, sure, I get that. And then in this first account, it's a blacktop, but I think this is a main account. You're getting bakery, Dutch Bros, parking, going in and getting some bulls**t, concessions. Looks like you withdraw from Square, but I don't know. PayPal, coffee, The Well, going in and getting some bulls**t.

1:20:20PayPal, Office Depot, H &M, Lyft, Cafe Zupas, going in and getting some bulls**t. Probably PayPal, Quilted Bear, American Eagle, La Bamba Coffee, going in and getting some bulls**t. Venmoing out$400, In-N-Out, Victoria's Secret, Culver's, Quick Quack, Cubbies, Swig, Best Buy, CF United, news shop olive garden chipotle urban outfitters marshall's lift rose tea lounge then moving out 300 hours chocolate fish paypal sunhouse cafe lift scooter ride concessions elsa's berk estella bakery coffee god i think going out to eat something association something Association, Yolo County, Rose's Conic Funnel, Chicken Rancho, Camilla Coffee, PayPal, Chick-fil-A, Sips, Scoops, Jamba Juice, Phil's Coffee, Big O' Tires, okay, that one could be fair, Pete's Coffee, Nugget Market, withdrawal for$300 was rejected in her checking account, and then she had an immediate poll from her car payment fund.

1:21:31What an absolute joke you are. You don't exist. Shut the f*** up. You went and got some bulls***. Butterscotch, OpenAI, ChantGPT. Yeah, I really need that for photography. Penny Cream Creamery, American Eagle, Chick-fil-A, Mad Yolks, Coffee Roast, Lids, PayPal, PayPal, PayPal. Withdrawal,$500, was rejected. Immediately had to come in from PayPal. Money pulled in. Venomate out,$50. Sacramento Airport Shop. Van Leeuwen. Addo's Hotel. Beyond the Butcher, Yo Goppa Goppa, PayPal, PayPal, PayPal, PayPal, Chick-fil-A, Univision, Sacramento Fair, I don't f*** know, La La Land, Lyft, Lyft, Amazon, Pay Range, Chase, oh, it looks like you went to a restaurant all that well.

1:22:22She owes the IRS money. This is unacceptable. Go take her car. Go take her new car. Take her apartment. Take everything she owns. This is unacceptable and unfair that the rest of us go out there, we pay our taxes, and we do all this, and she spends all her money on bull**** while she sits there and refuses to pay on taxes. It is disgusting and unacceptable. This society that we live in, f*** off. You're a disgusting animal. You're disgusting. On this account, went down from$822 to$680 because you can't manage. This one closed at$2 ,000. It shouldn't. This is the manifest. F*** you. Put the manifest doors that pay off the IRS.

1:22:56You do not get to move to a more expensive city and tell you. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. Toys and jewelry to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree. Seriously, with these savings, why shop anywhere else?

1:23:29Pay it off. $252 down from$400 on this performance savings. So you're a good joke. Savings account. Golden savings. $57 down from$117. We're really, really doing so well here. See, we have these different accounts. I would keep things separate. It's quite easy to do. You just have to set it up and it takes a little bit of time. Fidelity. $2 ,399. This is your traditional IRA. Okay. You're just in target date funds, it looks like. Those are pretty good. Well, yeah, mostly. A little bit of S &P 500. Select brokerage investment. Whatever. Nothing too crazy. Nothing to freak out about.

1:24:16Okay, pull the mic close. We're done. I had a couple minutes where I didn't have to hear from you, so I feel a little rebounded, a little better. okay let's check in accounts why don't you have multiple yeah why don't you separate your business and personal then well that's what I was trying to do where was the try because everything was a mess across all credit cards and business and checking accounts so what do you mean you're trying again this is you're doing that thing where I give a kind of pushback and you say well I'm trying to no you're not there was no indication of tell me what's actually happening and why you're not doing it I split all the money into different accounts so that it wouldn't bounce but if it's like I just keep swiping, it's the issue.

1:25:00Well, stop. I like things. I like things too. If I can't afford it, I don't do it. Crazy how that works. Have a little bit of discipline, be a f***ing adult. Use the DollarWise app, see where your money is going. I mean, I'll tell you right now, it's pretty much f***ing. Miscellany's bull**** loan is$4 ,000. Going out to eat was$1 ,500. hundred dollars i travel a lot i know but you can do it better and more disciplined and more on a budget you can i like trying like the nice i know what you like i don't give a again what you like does not matter if you want to retire at some point if you want to have security at some point if you want to move to san diego at some point if you want to get a new car at some point those things need to supersede your wants of the quick swipes okay because what you're doing is prioritizing your quick swipes over any and all of this right now.

1:25:52That is what you are choosing to do. That is what you prefer right now. Other than any of those goals, you're going to need more than$2 ,000 substantially to move to San Diego. You're going to need like first month, last month, security deposit, all this bull. And then you're going to have to do the moving costs. You're going to want new furniture. You're going to want a new car. This manifest fund is going to need to be like$20 ,000. So should I put the San Diego fund to the IRS? Yes. Oh, wow. You listened to something for the first time. What is that? An hour and 24 minutes and 32 seconds in.

1:26:21She listened to something actually processed and something positive came out the other side. Huh, who would have thought you have a semblance of being able to actually make that brain work? Wait, serious question. Please, it should be this whole time. Because I have to move. Because I can't keep taking advantage of the apartment. Yeah, but you can move in Sacramento. We looked at the median rents. You can, you can, you do not have to. Do a year. No, no. Oh, you don't want to. My package just keeps getting stolen. I don't give a f*** about want. My packages keep getting stolen. Yeah, welcome to California.

1:26:52You're going to face that everywhere. No. California doesn't prosecute criminals. Low crime criminals. Like, they just don't. Listen, and there's abundance Democrats out there that want to. They want to start, but it is. Wait, valid reason, though. Here, hear me out. Hear me out. I make more money in SoCal. That's valid. So I would travel less. Why? You say everything you do is travel. You don't do local. Yeah, because Sacramento doesn't have money. People don't spend money on photo shoots in Sacramento. So theoretically, I will - That's double though from what we've pulled. This is going to be brutal.

1:27:30I would make double. I don't think so. Double? Double's hard. San Diego has money. But you're working constantly. One of my cities is San Diego. Why does it have to be San Diego? Because if you are a big flyer, it's not like one of the biggest airports in the world. you lose Sacramento but I mean I looked at other cities but San Diego seems fun because it's by the beach and it's closer there you go there it is that's it come on let's be honest that's it it's closer to my sister good that's still a want I'm sorry I'm not saying you can't do it I'm saying give it a year we'll think about it okay but if I just move isn't it just like re-moving to another place if I'm gonna move it's gonna be moving expenses you need first month last month still and rent is more expensive there so that gets harder versus just like moving in Sacramento?

1:28:14Yes, because rent is cheaper. So first month, last month in security deposit would be less. Please. Please tell me you understand that. I do. It is not a difficult thing to comprehend. I do. But I'm going to make more. Listen, the thing is, maybe that's true. I don't think you're able to prove that though because you still don't even know your numbers. You don't know what your business costs. You don't understand anything. I can't take that as you have no credibility behind anything you say for how your business will operate in any area. You have no credibility. There might be more people willing to pay there locally than locally in Sacramento, but that's all you got.

1:28:53You can't tell me numbers. You can't tell me frequency. You can't tell me what you'd be saving. You can't tell me anything. Because you don't know your numbers. And we're not going to be able to get your numbers. There's somewhere in here. Okay, travel is 3 ,933. So are we saying it's 4 ,000 hours? To make 12, you have to spend four on travel? That's travel. That's not food. That's literally just travel. I don't have to. Okay. What can we bring it down from from four? That's just travel. That's not eating. That's just travel. What can you bring it down from from four? Well, I could... Answer the question.

1:29:27I could get cheaper hotels. Okay. What do you think that saves? Probably a lot. 10%, 25, 50. What are we talking? I don't know. Yeah. 20%. Okay. I don't always need rental cars. So let's pretend of the four you spent. I didn't get a rental car here. It now becomes$3 ,200. So let's try to budget this in. If you make a$12 ,000 a month, which is not... Okay, what's the ratio? That means times 0.77. That means... Sorry.

1:30:03So 5... 5, 7 ,000.

1:30:08Hold on, hold on. See, this is how I feel Shh, quiet Okay, if you make 10 And you spend Traditionally 33 % On travel, that'd be$3 ,300 But we can cut it by 20 % So times.8 We can get your travel on an average of a 10 % month And listen, I don't even know how 100 % accurate this is Because again, you don't know your This isn't perfect But we call$10 ,000 as income Um, let's do, uh, let's see. Other large travel. We put that at 2 ,640 because you cut back. And listen, okay. I'm going to do 300 for, let's, let's, it's going to be more expensive because you're traveling a lot, but let's cap your food budget at 700.

1:30:56Let's call that in the food expense. You're still going, go there, go there, go to grocery stores, go to, go, I'm going, you, you, I'm going 500. Go there, go to grocery stores. You're not going out to eat for a while while you're traveling. The issue is I like grocery stores a little too much. Okay. Well, you're going in with a budget. You're deciding exactly what you're doing. You're only spending$500. Tell me. Yes. It would be$300, but I'm going to give you a little leniency for the travel. I spend like$175 a week. Okay. This is your budget. You can do it. We've proven it. Follow the meal plan.

1:31:28Follow that. Got it. Tell me you can't do it, and I will rip this up and kick you the fuck off because I know you can do it. I understand. We're on the same page now. I know what you want to do. This is what you will do. Okay. We're on the same page now.

1:31:42I see about 20 minutes to get on the same page somehow. I don't know why you, I really don't. You, your listening capabilities are so horrible. Minimal monthly debt payment,$729.75. Okay. Business expenses outside of travel now. What are we talking? Equipment. How often do you have to do this? Um, I don't know. I probably spend like 200 a month. Okay.

1:32:06On all business extras outside of travel, is that what you're saying? $200? Yeah, sure. Including subscriptions? Let's call subscriptions an extra$100, okay? Yeah. Medical, how are you doing health insurance? I'm not. Okay, well, do. I'm putting that in at$400. I think I make too much to have health insurance. Oh, my goodness. You are actually... I'm sorry. No, Covered California said I make too much. Yes, for government subsidized. You actual beast. You can go purchase health insurance. Hey guys, if you make too much money, you die. At the hospital. You. Go to shop any health insurance. What you are looking for.

1:32:50Listen for a second. I would need you to listen. What you are looking for. You're not shopping through California. You're shopping through just health insurance. Okay. You are looking for catastrophic coverage. So you don't go bankrupt if something really bad happens. Yes. So$400 I'm putting in there. They quoted me$697. I'm saying for catastrophic. You were, you're not looking around. TP Fund,$100. Anything else you need? Gas, room, room, drive, drive. Not that much probably, right? No, I don't. Okay. Well,$50,$100? Yeah. $100. Okay,$100. What's your car insurance? Oh,$295 maybe? I don't know.

1:33:29Okay. Something like that. What's your rent? It's going to be beginning in February, but for now. I don't know. What is it? What does the paper say? Dude, you don't know your f***ing rent? I just write a check and hope it works. Okay. All right. I'm done. Let's go to the post show. Ladies and gentlemen, this is absolutely... What a pathetic... What a pathetic existence. It's like 1 ,300. Shut up. What a pathetic person. We're moving on to the post show. I have to do another 20 minutes, just like every other episode, but we'll continue the conversation there. I'm done with this and I need a break.

1:34:02And I hope you guys understand that and respect it because this is horrible and you are horrible. And I don't know how you exist and how people deal with you. Click that join button. Get three premium shows every single day Monday through Friday. A lot of extra financial, a lot of stuff like an extra 20 minutes of this show. You were smart enough to start a business and then it all up. We're working on it. Do you? I lost it. It's behind you. There is something wrong with you. I don't get a budget. I'm so f***ing done. I am so f***ing done, guys. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it.

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