This Has Never Happened Before | Financial Audit

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25:43But even still, a sense of independence, being able to live your own life. If you pay off your debt a longer period of time, yeah, that's okay. Maybe pick up a side job. A longer period of time is like 20 years. I don't know. You could also go through bankruptcy. I don't know your entire financial situation yet, but how can you just be against me saying budget? That doesn't make any sense, especially if you're telling me you want the budget. That's such a conflicting worldview. I'm confused. Well, yeah, I want a budget. I want to be able to be financially independent. I want to not rely on a woman.

26:11But me telling people the budget is wrong? No, you said budget your way out of poverty. I don't think I said that, but even if I did, sure, maybe. There's something along the lines of that. And you have to make more money. money. I can't just make 3K and then, well, here's$200 towards 40K. Oh, here's$200. Yeah, that would take a while. I need to make more money. That's why things like bankruptcy exist. That's why debt consolidations exist. Credit card transfers exist, but not before you change your behavior for what it's worth. But there's a lot of options out. I don't think I've ever just said budget gets people out of poverty.

26:45And it's as that as simple. I don't think I've ever said that in my life. Why would I? That's so much more complicated than that. It was something along the lines of you can still budget your way out of debt. Yeah. And I disagree with that. You can budget your way out of debt. You disagree with that. Yet your large purchases are$994. Miscellaneous bullshit upwards of$300. Going out to eat was like$200. Subscriptions was an extra$100. Unknown shopping, 235. Couldn't subscribe, put that, couldn't figure out exactly what that is. We'll figure out if it's necessities or not. Your phone bill itself is 2.7 % of your spending.

27:22It's ridiculous. Yes, you absolutely can. I mean, you are spending. 2.7 % for the phone bill? Of your spending, not income spending. Your spending is more than your income. Of your spending, yes. Of your income, it's even more. It's still, regardless. But if I don't have 2.7%, if I don't spend that, that's not going to get me out of debt. It's a part of it. And actually 2.7 would get 2.7 closer to debt. But either way, put that aside, you still spent minimum$600 on bullshit and it's likely upwards of a thousand. $600 on bullshit going towards debt, yes, would put a dent towards debt. You can't tell me you can't budget your way out of debt.

28:03That's not how that works. Budget your way to a new tooth for her. I need to make more money. That's a part of it, but you get to choose where your money is going. More money accelerates, yes, but usually people as f***ed as you who get into this situation, they get a 20 % raise, they start spending 30 % more. Because you never change your behavior. So what am I supposed to do? Budget, moron! Okay, but I don't make enough. So if I'm just saving... Then why would you spend$400 on bullshit,$500,$700? Well, what bullshit? Okay, miscellaneous bullshit. it again. That's usually a gas station or video games, something like that, where you're stopping just doing a quick swipe.

28:38218. Uh, it was about 200 also on going out to eat. It was a hundred dollars on subscriptions. Um, you spent way more at the grocery store than you need to do by the way for yourself. So she needs to contribute or something else needs to happen. Your transportation bill was absolutely massive. So you must have a car payment. That's ridiculous or something. Yeah, I do think my car payment is. Yeah. Well, there you go. You made some choices. Other large purchases, we don't know. How's it a return? I don't know yet. We'll have to get into that. But other large purchases,$994. We'll see where those went.

29:09But it is never 100 % necessity or 100 % bullshit. It is probably split down the middle, meaning you had hundreds of bullshit in there, plus unknown spending. Unknown was$235. That could be bullshit or not. Even if half of it is, that's an actual$150 to bullshit. Listen, that's at least$500 on bullshit. At least$500 on bullshit. Make more money or not. Doesn't matter. That's$500 that could go towards that. That did not need to go towards bullshit. So you can't tell me. You can't tell me you can't do that or what to do. What are you f***ing talking about? That makes no sense. So$500 extra, and then now I'm in a$1 ,000 apartment.

29:47That's where the money is. Nothing's changed. Potentially, but also you have to make a choice. Do you want to be with her or not? It sounds like no. So you need to get her out, which means your rent's going to be more than that$1 ,000 anyway, especially if her roommate's gone. so you need to get out anyway. You're right. There are give and takes here and there. But even so, I mean, housing, maybe you had to split it with other people. I had housing over$2 ,000. So something was broken. Well, there you go. It doesn't make sense. If you had a$1 ,000 apartment, you're not going to have another$1 ,000 in utilities.

30:17So yes, you would have saved money there. Okay? You say$3 ,000 comes in. Let's see if that actually stacks up with the reality. Because do you actually know? I don't know. No. Well, it was actually more than that for what it's worth. It was$4 ,300. It was a good month, good hours, huh? So is that including like roommate payments? No, it was payroll. Payroll should not have been$4 ,000. It was$4 ,383. Maybe it was an extra paycheck month because there are a couple months that are longer in the year. I don't know if we just had one of those. I would say every two weeks it's around$1 ,400,$1 ,500.

30:52Okay, it may have been an extra paycheck month. Those have, they happen a couple times. Every quarter, I think I did get a bonus last quarter. Maybe it was a bonus month. Either way, what was your spending? That 43 came in. What was your outflow? Let's find out. What did I spend it on? I asked what you thought, Jonathan. Don't be, do not reverse that on me. I asked you. Come on. I don't know where I went. Not where. I'm asking how much do you think the outflow was? Number, 4 ,300 came in. Where do you think the outflow was? Not where. How much? Less than that. No, it wasn't. It was$5 ,848.85. So just shut the f*** up.

31:30So you just don't know what the f*** you're doing, man. That's surprising. Surprising. How is it surprising? You don't budget. How are you surprised? If you don't track, how would you know? How would you know?

31:43How would anyone expect to know if you don't budget? I would never know if I didn't budget. I couldn't tell you where my s*** went if I didn't budget. Yeah. I have bills that have to be paid and then I just pay them and then I do spend the minimum on things that like food, for example like I don't go out I don't go and do things like I have the spending in that spreadsheet we'll go through the actual individual purchases but it's already been marked by the accountant hundreds going out to eat, hundreds on miscellaneous bullshit hundreds on unknown purchases hundreds on other large purchases. Yes, you did.

32:23A thousand on subscriptions, or a hundred on subscriptions. Yes, you do. You can't tell me they're not. Just because your doesn't make it so. It's right there. I can explain it. You can explain it, then explain it. Well, yeah, I have to see the individual purchases. So even if you do move out or don't move out, does it even make a difference anyway? You lose jobs every five seconds of your life and being told, how long have you held down this job? I've been here for over a year. Okay, and you lost three jobs immediately before this one. Correct. So what? You have a couple months left, and then you're going to get fired?

32:53What are you always fired for? You're getting fired left and right. Just bullshit. Oh, yeah. Let's try to have a little more detail than that since we're on a podcast where we talk. Yeah, okay. So a couple months or a couple years ago, I worked at a job, and I got fired for Fraternization. So you're always trying to f*** your coworkers? No. What were you doing? We were just talking. No, I don't think that would just be, you don't just talk and then all of a sudden you're fired one time. No. Well, we didn't just talk one time, but. Well, you were endlessly talking and they said, hey, you need to work?

33:27No, they said like you're in a management position and you can't talk to people. Doesn't make sense. Like inappropriately maybe. Well, it was both ways. So like it was like she was doing it too. Oh, and who's this? What were you guys doing? What do you mean? What are you doing? What are you talking about? Stuff. What's stuff, Jonathan? Just stuff. We liked each other. Oh, and what was her position? She was under me. But I didn't have control over her. I didn't do her schedule. I didn't do her pay. I didn't give her hours. I did none of that. So I had no authority over her. But it's considered fraternization.

34:08This was two years ago? Yeah, two or three. Weren't you with your girlfriend that time? I think so, yeah. Oh, that would be... cheating. Did you f*** this woman? No. Did you see her naked? No. Not even images? No. If you pull up your chat with her right now? I don't think I have it anymore. That's convenient. How? I've known delete chats. Yeah, well, funny story, actually. I have to take a bunch of pictures at work, and my storage got full, so it was like, do you want to delete your messages? Because it was like 20 gigabytes of like photos, yeah. Listen, I mean, I really don't give a f***. I don't, unless you abused your power.

34:47I'm not the... No, see, and if I did abuse my power, I would be like, okay, like, hey, like, if you don't go out with me, I'm going to cut your hours or something like that, then sure, yeah, I would deserve to be fired. I'm relatively with you. I'm not like a weird TikTok, Reddit, Gen Z, moral masturbator that freaks out about everything. Unless you leverage your power, then it's not an actual abuse of power dynamic, so I don't really give a f***. But, I can see why your boss would, and I think that's reasonable that your boss would be nervous and doesn't want to deal with any of that shit even if it's just drama and would fire you that's not unfair i think that you should have to do something wrong to like he probably considered that wrong well she didn't doesn't matter doesn't matter your boss did and your boss is the one that fires you not the person under you and uh two other jobs so what else are you doing so the second job you know management there's some guys there me and one of the guys we're talking about just guy stuff right what's guy stuff and when you're start they let you do it you can do anything whatever you want grab them by the pussy relationships women okay etc like we would talk about sports video games like we would just talk about everything right and this particular topic um he was saying that he was oppressed he was black and i was like you're not oppressed etc oppressed that's what you said depressed i was confused how black i did yes okay so he was he's he's oppressed because he's black is what he was saying and i was like you make twice as much money as i do how the are you oppressed you know our bosses are black how are you guys oppressed you get into this conversation with a co-worker obviously that's gonna lead to well why we're having a private conversation because it's still a co-worker he's initiating it yeah but you didn't have to get into it i mean and like he would tell me things about like him and his wife or whatever like he doesn't like to her because she has stretch marks et cetera.

36:35So like we had conversations on like deep levels. So like. That's fine. But you were pushing back on like some racism stuff. And you know how it gets weird, man. Now I know. Yeah. But it's bullshit. Buddy, you weren't young. No, but like I should be able to trust the person that we're having. You can trust. I don't know. I've learned that you can't trust anyone. Unfortunately, I've learned at this job. I wish you could, but. No, you can't. So you got fired for telling him he's not a black guy. he's not. No, he was saying I was racist or whatever. Were you? You probably were a little more than you're willing.

37:09I said, no, I've watched Nick Fuentes. He's funny. Sure. But I just, just saw a clip of him dropping the N word on Twitter. It popped up like two days ago. Like if that's not, that's the content. It's just a word. It's just a word. Well, there you go. So he probably thought you were racist when you dropped the R. Well, I told him, I said, no, I've been with black girls. Like I've black girls before. Like why would I mean nothing? Why would I f*** somebody that I don't like? Pussy. But if I hate them, wouldn't I just not do that? You don't kiss a girlfriend when you f*** her. I don't think it's all about love for you.

37:44When you're sticking it in. Yeah, but... I think you have to like them for you to come. You think guys have to like me? Yes, specifically. You think I have to like someone to f*** them? No, that's what I'm saying. So I don't think even if you were racist, I think you'd still f*** a black person. Whatever the argument is. Dude, if you're dropping R's, and it's just a word to you. I mean, it is kind of... I mean, I don't personally say it, but... It's a bad word. Let's be honest. I'm not someone that's sensitive about pretty much anything, and I'll drop almost any word on the show, but I mean, come on.

38:16That is a bad word. It's just a word. Okay, but it holds a bit more weight than some other words. Does it? Yes. Why? To them, but we're not them. Get over it. Again, I'm not someone who gets offended. I'm relatively, I don't want to say I'm with you 100 % because I think you're going a little too far, but it's like I don't give a fuck about words either, but also I'm not the person to get offended. I also can't tell someone they shouldn't get offended. I can tell people they shouldn't be offended on other people's behalves because those are weirdos, but I can't call Tyler in here, call him the N-word and say you can't be offended.

38:54He's the black guy that works in the content side, by the way. Oh, okay. Yeah. But anyways, that's how that went. and then that government ordered to HR and yeah, so they let me go for that. And then the third job... If you're walking around, like you're just venting to Colton that you have black fatigue. I don't think that if you're just going around workplaces talking about your black fatigue... No, I don't go around talking. We were having a private conversation. Sure, yes, but with a co-worker. I can see how he might be offended. Listen, I get it. But he brings it up. Black fatigue? No, the racism thing.

39:30He brought it up. Yes, but if you're someone that goes around talking about black fatigue with people and you think it's just a trustworthy conversation. No, I didn't talk. Dude, you don't even know Colton. You're talking to him about black fatigue. So this is like - We mentioned black fatigue, but I wasn't talking about - He did it, you did. I was not talking to this guy about black fatigue. No, I'm giving it as an example where it's like, if you're willing to just go to Colton, who you talked to for approximately five minutes before you started talking about black fatigue, if you're that kind of person - He knew what it was.

39:56Of course, everyone knows what words are. Right. Everyone knows. We're all online. We're not wrong with it. That's not what I'm saying. I am saying, since you are someone who is so casually able to drop that into a conversation to someone you don't know, I'm not surprised that you were likely dropping other things in a co-working space that offended someone and that person reported it to your manager. People get offended easily. I agree. People shouldn't get so offended easily. but I am not, I can't also tell, just like I can't tell people they should be offended, I at the same time can't tell people they shouldn't be offended.

40:32That's fair, but he can't say, hey, I think you're racist and then I say I'm not and then... How many minutes into the conversation until black fatigue was dropped, Colton? We were talking about jobs, so it was like 20 minutes. So 20 minutes into the conversation, we were talking about jobs and black fatigue came up. How did black fatigue come up in jobs? How did it come up? Serving black people? I forget how it came up, but... I don't know. You're the one that dropped it. I don't remember the conversation. I mean, trust me. You're not seeing me going on Carnival Cruise, okay? You're not seeing me go on Spirit Airlines.

41:06Rest now, brother. We have the watch. And I'll see you in Valhalla. Like, I... So you agree with Nick Fuentes? Well, I don't watch it. What did he say? Well, he wouldn't go on those either because of the people on there. It's not even necessarily because of the people. It's because the culture on there though. Right. But that's what Nick says. And it's like, okay. He says it like that. I don't think so. He just said the hard R. Well, yeah. But that's what he's talking about. It's like, that's why he wasn't, he won't live in those areas. That's why he won't go on those. Live in those areas. Yeah.

41:37What do you mean? I mean, I have black coworkers. Wait. No, I have like a black, I have a black neighbor, a couple houses down. Like, what do you mean? No, you said you won't go on Spirit Airlines. Specifically because of all the rowdy videos. and the Carnival Cruises, all their Audi videos. Like if people want to go there and party, like the people on Carnival are partying, do that. That's not me. So I'm not. Yeah, but that doesn't mean I hate all black people. Well, yeah, but just because Nick says, I don't want to go on Spirit Airlines. Nick, I'm not defending Nick. What the f***? I don't know what he ever said.

42:09I'm talking to you. I'm talking to you. I'm not talking to Nick. I don't give a f*** about Nick. I don't know what he said. I don't watch his shit. Okay, fair. So I don't know what you're defending this Nick thing for, but even still. But I don't go around talking about black fatigue. I don't go around talking about it. You did 20 minutes into a conversation with someone you don't know. We were talking about the subject. The subject of what? I don't remember it. Black people? If he could recall it, then. Can you recall it? We were talking about his job and why he lost his job. Your job, losing the job for you being racist.

42:42Oh, okay. So I think we were talking about, like he was accusing me of being racist. And I said, yeah, like we're tired of people. Like if you disagree with somebody, you're just racist. So that's how that got brought up. I have a fatigue of people that get offended by everything. I'll say that. But you said black fatigue, that you have black fatigue. That's different. No, I said that he brought up the racism. And Colton and I were saying that, yes, like everybody nowadays will accuse people of just being racist. And then he's like, oh, yeah, you know, we have some. Yeah, they've called me racist for jokes.

43:13I agree with that to a certain point. So people have developed black fatigue because they're tired of that shit. No, no, no. I'm tired of people that get offended by everything. I don't think that's black fatigue. I think black fatigue is a specific phrase and term, at least on the online that I've seen, of anytime there's a video of a group of black people doing something rowdy, then they bring up black fatigue. Not when black people are offended. No, I take it as we get accused of things and we're just tired of that behavior. We're tired of like being accused of what we're not. We're like, we're tired of it.

43:48We're fatigued over it. Of people getting offended? That's not black fatigue though. We're tired of being called racist because. We're, who's we're? We. We? Yes. Who's we? Well, me and you, me. Hold on. I don't think we're on the same level, buddy. So. I know when and when not to have appropriate and inappropriate conversations. If somebody calls me racist. Depending on the context, that guy was a coworker, not your friend. Okay. You can be friends with your coworkers, but this guy was just a coworker. And you're like, you're not oppressed, blackie. We worked together for like almost a year. We have talked about a hundred different subjects.

44:23We've had deep conversations. But you still don't know him. You talk about things at work. I don't know. Well, let's go straight to the source, if we may. I think the source is probably what makes more sense. Oh, I thought that was the source. Can we bring in the source, Tyler?

44:43I'm with you on like the anti-everyone's offended or the anti-you know that woke shit. It was all annoying. The SJW, all that crap. That's like 2016. Woke was like 2020. Yeah, so we have fatigue of that. That's what it is. That's fatigue of people being offended by everything, not a fatigue of black people. It's not, we're not tired of black people. We're tired of being accused of those things. Tyler, please just come over. This, this, this, Tyler, this man says he has black fatigue. That's not what I said. You guys can have a conversation about Yes, you did. To cult it. I did not say I have black fatigue.

45:16What did you say to your co-worker? What did you say to your co-worker? Your co-worker said he felt oppressed because he was black. And you said? So he called me racist. Why would he call you racist? What did he say? What did you say? He was saying that black people are oppressed. And I said, well, how are you oppressed? You make twice as much money as I do. And I was like, our bosses are black. They make way more money than we do. So how are you guys oppressed? You guys are the living definition of not being oppressed. And so he's like, oh, you're racist. What'd you do to him? Did you do anything?

45:47No, I thought we had a pretty good relationship. Like we talked about a lot of things. Why do you say you were like he was oppressed? Did you say something to him? You can get$200 in bonus cash right now. Listen up. If you want your savings to actually earn something, I got something for you. The average savings accounts right now are paying around 0.39 % APY. So if you've got$5 ,000 saved, you're earning like 20 bucks a year. And it feels like an insult because that's about nine times lower than what you could be earning. With Chime's high yield savings account, you can earn 3.75 % APY. That same$5 ,000, that's about$188 a year.

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48:08No, we're just talking about just things in general, and he just says that black people are repressed. I have it easy, blah, blah, blah. And I was like, well, no, you make more money than me. Well, he says he f***ed black girls, so he can't be racist. Like, if I've dated black girls, and I've been with black girls, like... You can still be racist and f***ing black girls, bro. Like, that's a possibility. I guess. Yeah, look at me. Anybody can. Sure. Anybody can f*** any race and still be racist. I'd be like, yeah, f***ing this bitch, f*** this black bitch. You can do that while you f***ing. Nah.

48:40I don't know what you say. Nah. I don't know what you do. That's a possibility. And then he told Colton 20 minutes in that he had black fatigue. That's not what I said. Yes, you did. You just did. What is black fatigue? We mentioned black fatigue. Oh, you know black fatigue. No, no, no. I want to know what he says. I want to know what he says. We mentioned black fatigue because he was telling me a story or I told him the story and then he said, yeah, we had somebody else here or then they said something about being racist and I was like, yeah, like we're tired of that.

49:08Who's we? We? Colton's shaking his head now. I never said I had it. Who is we? So that means you and somebody else? Who the f*** is we? Who is we? Everybody. I think we're lost right now.

49:28okay thank you Tyler you're welcome sorry I am Lindo on Twitch streaming every day central time 7pm listen I'm with you I am the no I'm not hold on recorrect rewind I am very much of the why is everyone offended by everything These people are so f***ing annoying that are offended by everything. Wah, woke, wah, SJW bullshit. I'm the cancel culture bullshit, blah, blah, blah. I am against all that dumb assery. But I feel like you go a step further. That's all I'm saying. Well, we were having a private conversation and... Yeah, but we're not. Okay? We are not because millions of people are watching.

50:12So just make your point clear and known. I don't know. Anyway, so that's why that happened. Okay, so you can't hold down jobs because you tried to f***ing your employees and so the third job i was making yeah so i got another job and i was making 47 a year 47k and all the other managers are making 65 okay and so i was like all right well let me prove myself after a while and then i'll ask for a raise and i got let go two days before my 90 days and why they didn't give me a reason okay well obviously you should employ you are a loser And for what it's worth, to wrap up the fatigue conversation, I do have a fatigue of ghetto people.

50:54I also have a fatigue of white trash people as well. I have a fatigue of all the... If I drive in the Mexican community and they all have the spikes on their wheels and I can't go anywhere, I have a fatigue of trash people of all races. So let's just be honest there. You could put me on a type of carnival cruise with a bunch of trailer trash white people and I'd have a fatigue of all their meth mouth, okay? So that's what I have a fatigue of. Trash people. Of which you will see black people and white and Mexican and yeah. Yeah, yeah, yeah. So I think that's fair fatigue. Sure. You seem to have only signaled out black.

51:35What do you think your financial score is? Zero to ten. Zero being the worst, ten being the best. One. Okay. If you want to figure out your financial score, go to CalebHammer.com. See where it is. Take the assessment. Figure out where you stand in the world of money. where you're doing poorly, where you're doing very well and how to get better. And if you do not want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app. When you sign up for the annual version, I will personally sign my 30-day detailed meal plan, which comes with the digital version of the cookbook, and I'll mail it directly to you.

52:05This is awesome. It's changing a lot of people's lives. Join the tens of thousands of people who have done it. DollarWise.com, or just download it or click the link in the description below. There you go. Now you can meal plan. Thank you. or you know whatever the do you cook I don't know well actually I just recently started meal prepping oh so you should probably lock someone down because that hair is thinning mine yeah it's going I just woke up and go no no no it's thinning doesn't matter if you woke up well I didn't do anything to it doesn't change if it's thinning or not where's it thinning at the front oh yeah specifically I can see deeply in there yes specifically left right no the middle no not the middle it's thinning right yes it is I see your scalp in there I had a hair transplant.

52:49Oh, so it's just a thin transplant. So it's just that thick. Well, generally, people that do that, they go back for a second procedure, like a follow-up procedure, but I only had one. It's going to be there soon, so you might want to lock down someone soon. Probably. It was like three years ago. Okay. Okay. It was a lot worse. Dude. See, this is, I want to go on the money, but then I'm just fed another insane thing about you because you're a crazy lunatic. You were lying to a coworker about being in the military, bragging about being in the military to your coworker while trying to get your coworker to go enlist.

53:23Like, who am I dealing with here? You're a freak. What is wrong with you? No, he said that he was thinking about going. I was like, yeah, you should go. He's like, oh, you did it? Yeah, yeah, sure. Okay. Why are you lying to him about being in the military, though? Well, it's better than working at that job. What? No, just what? Okay, don't work at the job. Sure, but why lie about being in the military? Because now he's doing something with his life. So you're the hero by lying about being in the military because he enlisted? I'm not trying to be a hero. Stolen valor? Got someone to actually do real valor?

53:53Yeah. You're such a weirdo, man. He did something. He's doing something with his life now, and I'm glad for him. I'm happy for him. Yeah, but what about you lying about being a service member? Who cares? I don't mean no disrespect or anything like that. I wish I could serve, but... Why can't you? I think I'm too old now. Tool for the draft. Can you not just do random things even still? I don't know. You can't even sign up for everything? Oh, I don't know. Maybe. Okay. I'm not sure. Okay. Oh, collections. A lot. $40 ,000. How are you? You're a loser. I have loser fatigue too. And you want me to find a new girlfriend?

54:36Yeah. Well, no. Well, what girl wants to be with somebody who doesn't have their shit together? No, but you should leave someone you're not interested in. instead of leading along. I will say that. No, I don't think any girl deserves you. I have loser fatigue. You're a loser. If I had money, then everything would be fine. You do have money. You've managed it incorrectly. $40 ,000 in collections is insane. What is wrong with you, pathetic worm? How do you have$40 ,000 in collections? I blame my girlfriend. Of course you do. Yeah. I spent a lot on her, and then when I lost my jobs, it just went downhill from there.

55:09Tell me. I need to know more. So wait, how long were you in between jobs to rack up$40 ,000 to throw it into collections? So I want to say about four years ago, I got a credit card. And I was like, all right, I'm going to start building credit. I used it as a debit card. And every month, I would pay it off. I would pay it off every single month. And then I would get a credit limit increase. I would get a second card. I would get a third card. Now this one's for Amazon. And what were you making during this time? Maybe like$1 ,500 a week. and you're racking up how much in credit card debt well i was paying it off every single week and then so the job was not really going anywhere so i found a new job it paid less but there was more opportunity for growth so i was like okay i will take i'll get less money now for an opportunity to grow and get more money later and it didn't pan out what is your career plan because you're nothing.

56:05You are nothing. At 37, you're nothing. I don't know what my career plan is. I've just made a bunch of mistakes. What do you want to do? I want to help people. No. Yeah. Help people in what way? I want to help people not have to grow up and live how I did. Okay, that's not a job. Define that job. What job is that? What do you want to do for a living, you pathetic bitch? If I could help somebody, like the guy that went into the military like he was going to work at the same job so your job is going to claim that you were in the military no that was just a one conversation okay so what job can you define that you can make money on and this helps people i can think of many i don't know if you'd qualify or i'd want you there but i'd like to hear you think of some so i used to do nursing what you were a nurse yeah kind of you can't kind of be a nurse um nursing assistant so i did medical assisting and x-ray and then I went to school for RN and then I didn't finish it.

57:05There it is. You didn't finish it. Very good. Okay. Because I was going to say you can make very good money being a nurse. Yeah. And you know people would always say like oh hey why do you want to be a nurse? And I was like well obviously the money right? So sad. Yeah I want to help people but like I don't want to help people in the sense of take their medicine help them and like bandage them up. Like I want to help people in a different way. Social work? Psychology? Yeah, I mean, it doesn't really pay well. Therapy? No, but it pays better than you're making now. Yeah, no. It requires a lot of schooling.

57:38Can you complete schooling? I don't know. You're kind of pathetic. No, I don't think I can do schooling anymore. When I was in school, I got straight eyes. Volunteer work outside of when you're doing things? I mean, your girlfriend works at... Go work at a pet shelter. Volunteer work. Give me money. If your passion is helping, but you don't... You can't complete any kind of schooling. My passion is to do X, Y, but I don't get paid for. I'm not going to do it. Okay. So, okay. So fair enough. So we're talking about only the career. Obviously, I want to get paid for my passion. But what kind of helping then?

58:11Only mental, it seems, but you're not willing to go through any schooling. Well, I mean, I can't, but I would. Like if I can help somebody. You're clearly into the youth. Why don't you just become a youth pastor and touch some people? Touch their hearts. No, I don't do any of that stuff. That's gross. Uh-huh. Yeah, no, it's gross. Uh-huh. Uh-huh. Okay, yeah, sure. Are you religious? I believe. I don't practice particularly. Okay, pastor's not it. I'll get you a course career certification. They don't really have a help someone certification. It's usually the trades and tech. A lot of people out there have converted them into six-figure paying jobs.

58:49but I don't know what to do with you because this is 40 ,000 hours of collections. You lose your job every second because you try to f*** people. And then you try... No, there was one person and then... Not just one person because it's a job you have now. You also were f***ing someone. So this is a continuous thing. So we trained together. I know, but you're still f***ing a co-worker. No, I trained at the store. After I left the store, that's when I got her number and we started talking. But do you not work for the same place, different store, but same corporate? Yeah, different... So there you go.

59:17So again, you try to f*** people constantly. That's different. Which again, I don't really care, but you are facing consequences for. And then you're making people uncomfortable with your racism stuff. Uncomfortable. That's bullshit. Maybe. I probably agree that people shouldn't be so fitted easily, but either way, you face the consequences if your actions agree with them or disagree, it still happened. And then you lose jobs constantly. I do not think you being in a position where you could be helping people is going to last very long because you always do things that people deem inappropriate.

59:49So if I can f*** up up to here and then I help people not f*** up, that's what I want to do. But how? Define what that job is. There is, what is that job? Besides like a council and stuff that would require some kind of degree, which you can't complete. What job can you do? Or else you're literally just going to be like a f***ing line cook for the rest of your life. Yeah, I don't know. I'm trying to figure it out. No, you have nothing. You've never thought about this. Well, like I said, I was doing the nursing thing and then now I've moved here and things haven't been going so well. Nursing, okay.

1:00:21But you don't even believe in medications, I'm being told. So how can you even do nursing if you don't even believe in medicine? I believe in medicine. I don't agree with antidepressants. At all? I think in general, they pick one, they throw it at the wall and see if it sticks. Isn't that what a lot of psychiatrists do? You do a medication, they check in, see if it works, see if they need to change the dose or switch to a different medication. Isn't that oftentimes what happens? Yeah. Well, they can't test to see. Well, yeah, I just, sometimes it works and sometimes it just doesn't work. I think most of the time it doesn't work.

1:00:55Like me personally, I've been on three different ones. They didn't work. So my girlfriend, she's been on three different ones. It didn't work. Okay. So my - But isn't it person to person instead of just flatlining and saying no? Sure, but - Because we over-prescribe in this country objectively, but that doesn't mean flat. Nothing works. Right. I just think that it's not a net positive like just to give people alright so if you were to give me a pill and say this is going to fix your life I don't think that would fix my life I think you have to do different things you have to get therapy you have to make better decisions giving people a pill for depression for example if someone's depressed but it does work for some I agree we over prescribe and for everyone no and honestly a lot of the best things we found to get out of depression is honestly just working out and keeping busy like we have learned that Well, not to avoid it.

1:01:46You don't want to avoid it. Not for avoiding, but when you're busy, you also just... You're running from it. It's not necessarily just running, but when you're not just sitting there... I don't have time to think about how lonely I am. When you're not just sitting there and you're not stewing in it, yes, that is a part of it. But also in just working out and being healthy usually lowers depression, anxiety, all that good stuff. But even still, some people, medication has helped. If you're going to be in a position of power where you're helping people, but you're telling people that no medication will work for them, we can't say that.

1:02:13No, I didn't say no medication will work. Okay. We were, me and my girlfriend were having an argument about antidepressants. And that's generally how the arguments go. We'll be having a good time and then she'll bring up some video or meme and then. Why don't you not argue? You cannot argue. Well. I don't agree with my girlfriend on everything. We just, I know, I know to pick my battles. Yeah, that's crazy that like my opinion would cause us to argue. But you're also arguing though. No, I give my opinion. It obviously heats up to where you're both arguing, though. There's no such thing as a one-side argument.

1:02:47Well, it shouldn't. I should give you my opinion. You give me yours. Why are you triggered enough to continue the argument? She gets triggered. Yes, but you're triggered enough to continue the argument. No, I try to stop the argument. Okay. Yeah, sure. Okay. Yep. Mm-hmm. Totally believe that. I'm definitely calling her in the post show because I do not believe your side of the I hope she answers. I hope she does too. Collections. Again. So, let's see. These must be the individual ones. Capital One, you just did, 12 ,000, you racked it up in 12 ,000 with what? With what did you rack it up to 12 ,000 with?

1:03:18So I was using them for everyday purchases, like my debit card, right? And then I would pay them off at the end of the month. You were, yes. Yeah, and then when I lost my job. But it went up to 12 ,000 though. Well, I think a lot of that's probably interest. Well, not a lot, not most of it, but maybe like a quarter of it. I'd say about 2 ,000 of it. I think my limit was like 9 10 I think you went up to 10 and then you didn't pay anything then interest accrued and fees was up to 12 yeah that's fair so so what 10 did you put on it I understand you lost your job that's hard you didn't have an emergency fund because you're an irresponsible 40 year old pathetic but either way you lost your job why didn't you have an emergency fund because you just thought your girlfriend would just save you forever?

1:04:10No, to be honest, I didn't really look into finances. Yeah, like a lot of people don't know what 401ks are. They don't know what a price it is. Sure, but that's just like basic savings. Rainy day fund. Everyone knows rainy day. No. Yes, everyone knows what a rainy day fund. Now, do you know the nuances should it be? And a high yield should it be? And a treasury should it be? One month, two month, three month, highest deductible on insurance? No, but rainy day fund is a basic concept that most people at least know exists. Yeah, I don't think that I've made enough money to be able to, oh, I have$1 ,000.

1:04:44No, it's not a one-time thousand-hour thing, though. It's just like, oh, I'm putting$50 aside for a rainy day. $50 a month? Here and there, yes. It stacks up over your adult working life of almost two decades. And I'm going to have one rainy day for six months? Huh? If I'm saving$50 a month for six months and I'm just going to— It would help prevent you going to 10 ,000 hours of debt that you then never paid. $50 wouldn't have made a dent. And then, yeah, a month for 20 years, yes. But even still, even still, put that aside for a second. Once you got a job again, why the f*** did you just let it sit?

1:05:17You didn't do anything. You allowed it to go to collections. Now you have to get an apartment at some point that isn't by your friend because your friend's raising rent. Your girl's not going to be there because why would she? Or you don't want to be with her. I don't know. You think she won't leave. We'll see. But even still, you'll have to get an apartment. Who's going to approve you$40 ,000 in collections? exactly so you're so what now you're set to stay with a place that rent's gonna be raised that's your only option yeah I'm hoping I get a promotion I'm hoping that I make more money also who's gonna promote you monotone weirdo impossible to be around I disagree okay well you haven't made it very far by 37 so clearly why are you the your boss is 19 why are you getting the promotion well yeah because people get promoted like I Not you.

1:06:06Yeah, I do my job. So why do you think you're going to get promoted? You've clearly been overlooked for a long time. No, I've only been at this job for... In every job you've been overlooked. You're not very good at working. No, I've been promoted in other jobs. I've been doing good in other jobs. To what? You've been fired three times. Yeah, over bullshit. Okay, yeah. Trying to... Yeah, okay.

1:06:31You... Okay. so you got the job why weren't you putting anything towards this though it's still the question because that'll repeat again in the future alright so when I lost the job obviously I'm spending more money on it and I'm not paying it off at the end of the month so if I spend 3k a month on everything and then I don't have a job that 3k is going on there and it doesn't get paid off and then so 2 months 3 months I'm not sure exactly how long I lived off of it but then the next job I get didn't make as much as I was making. Even still, why not try to just get to the minimums? Because minimums, you can call them, be like hardship, they'll put it at like 1 % interest in a minimum.

1:07:11So I was making minimums on all of them. And then the final nail in the coffin was when she moved out. After I lost my job the third time, she says it wasn't because I lost my job, but. So you finally realized how pathetic you were. Why'd she come back? I don't know. Oh, she should have. She needs to run to the dentist and then run away from you. This is crazy. I don't know, but she did. So, but she left. And that's when I was like, well, now I don't have her income. Now I don't make my minimums. This is insane. You consider her income yours. This is crazy. Okay, well, JP Morgan. Now that's$8 ,345.

1:07:52What was this? Also just living? I mean, I'm being told things like Nintendo and bullshit as well. I mean, you were still getting bullshit. You didn't cut down to at least cut your lifestyle lower. while you're unemployed. I don't really have much of a lifestyle. It's your Amazon card. This was just Amazon. Yeah. So when I was doing good, I was paying off my cards every month. I had one card that I would use as my debit card. And then you were unemployed. Yeah, we've heard the story. But why didn't you cut back when you lost your f***ing job to just bare-bone necessities? Yeah, I should have. Oh, wow.

1:08:24Okay. Yeah, see, what's concerning is without any kind of acknowledgement of that, without me bringing it up, how's that preventing you from doing that again in your future when you inevitably get fired? Which, by the way, when you're unemployed, TV for game rooms, TV for bedroom, a futon for your dogs. Starbucks is bullshit and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. 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.

1:09:05The number one ranked energy drink is Gamersubs. 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 Gamersubs.gg, or click that link in the description below. Type in code Caleb. Stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this.

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1:10:29Check out the link in the description below to see your personalized offers or go to calebhammer.com. And remember, you still got to do the work. Those were when I had a job. Okay, well, you didn't pay those off and it just allowed to accrue. I was making decent money when I bought those things and then it just started to go down and snowball and then I would stop buying things. So if you lose this job, the same exact thing's going to happen because you're just continuing that pattern. Discover card, 7 ,138. What was this? That was my second card. It was just the same thing as the Capital One card.

1:11:00Okay. Everything? You just allowed everything to go to collections at the same time. You didn't go back once to try to make minimum payments. You didn't call and like, hey, hardship, 1%, lower minimum payments. Yeah, I talked to them one time and they said, yeah, you can make a minimum payment of$600. And I was like, that's fucking insane. With this one specifically, I don't know. But you are also being insane with this. You bought three different set of AirPods. What the f*** is wrong with you? That was when I was making good money. Okay, so it's the same thing every single time. You're a f*** when you made good money, and then you're a f*** not cutting back when you made no money, and then when you started making more money again, you're a f*** and didn't put anything towards it.

1:11:40When I was making good money, I had money to spend. Just because I'm making good money. When you're making good money, you spend$1 ,000 on a PS5. Like, just because you're making good money doesn't mean you're making good choices. You were a f***er. Buy a PS5. You're f***er. For$1 ,000. Yes. That's what everybody was paying for back in 2022. Oh, f***er. You did that? Oh, you went to the resale PS5? Everybody was doing that. Yes, every moron. You couldn't get one. You didn't need one. Well, yeah. I don't need shoes either, but like... Well, yes, you do. I mean, I could have came here with no shoes.

1:12:13No, I don't think you'd be let in. No shoes, no service for a lot of places. My point is that I don't need a lot of... You don't need a lot of things, but it's entertainment and I bought it. That's insane. Should I just never play a game? Because the mindset is the concerning part because you're going to make decent money again. You make okay money now for the area. With that, you use that logic and say next time something pops up and you want it like that$1 ,000 PlayStation 5, you'll just get it. It's the mindset that's deeply concerning. Take the next gen PlayStation that comes out or the Steam box that's coming out.

1:12:46I already know. I'm not going to buy that shit. The Nintendo Switch 2. Intel is there and it's exciting. The Nintendo Switch 2 has been out, right? But you didn't. And I didn't buy it. Who cares, though? Did you need that? How did it even sell? How well did it do? I don't even know. I thought it broke records, but. It probably did because it's good for kids and shit. I don't know. It is fun. But the next gen gaming consoles will probably be a bigger and more exciting update. If I had expendable money, yeah, maybe I would buy it. You didn't there, though. You were putting on credit cards and you didn't pay them off.

1:13:16Well, I was putting on credit cards because I was paying them off every month. Not every single time though. You didn't only stop. I can see you didn't only stop once you got unemployed. The first time I missed a payment was when she left. I need to talk to her. And then I made a decision. I don't have her half of the income. I can either pay rent or I can pay minimum payments. So why is she trying to get now in these collections? Because I don't have the money to give them. That's not true. Again, when we get to your spending account, you do spend money. But even still. So like, oh, send us$500.

1:13:45Yeah, maybe. which you can save up over the course of a couple months with the bullshit spending you do, absolutely. Why aren't you trying anything now? How long would it take off to pay$40 ,000? I mean, 500 months is generous. 500 months? Well, maybe. But even still, 300 monthly, you could save up and negotiate the smallest to largest. Or even still, not even that, you could get into a program. One of those programs that now will start negotiating on your behalf, like the National Debt Relief stuff. Yeah, I've called them before. Basically, you put money into a pot and then they have a big pot and they say, we'll negotiate this price.

1:14:23Again, what concerns me is the behavior. This isn't the first time that things have gone to collections. Things have gone to collections previously. You had cards go to collections in the past. You just had to let them roll off. Now these have gone to collections. You're going to wait until they roll off. I don't know how you are going to be able to get an apartment on your own, be able to do anything. That's why your card debt must be insane. We'll see. but it has to be why because your car is fucked. Well, my car, I got a good deal on it. I got 3 % on my car. Okay, well, lending club 5 ,185.

1:14:52What was this? That was the hair transplant. So when I was making good money. How ugly were you? Yeah, I was balding. Yeah. U.S. hair transplant? Yeah. Why didn't you do Turkey or something, man? Even Canada. I thought about it, but. You couldn't afford this to save your life. Yeah. Sure, maybe you're paying off your other cards before that we talked about the three so i looked at this was insane so when i got the hair transplant i talked to them and the the lending club they give you they said i was approved for like fifty thousand dollars or something like that yeah they'll approve people for debt that's how they make money that's a lot to just give somebody it is so i did the hair transplant and i was like okay i'm going to pay it off and then when i pay it off i'm going to get my girlfriend's teeth fixed does she even want that well yeah of course she wants her teeth fixed Okay, but she just won't do removals and then get implants later.

1:15:46I think so. I mean, she doesn't want to go around without any teeth. It's not every tooth, is it? Yeah. If it's every tooth, that's great. What drugs does she do? That's crazy. Well, normally you would see somebody with meth teeth, meth mouth, and that's... No, she doesn't do that. How is she having every tooth rot at 27? I don't know. Okay, so you were going to pay this off or you were going to get her teeth done. So I was like, okay, so I'm using my credit card as a debit card. I'm paying it off every month. And then now I got this card for Amazon. I got a Best Buy card because I bought a washing machine.

1:16:20So I was like, well, if I ever need like a appliance, like a refrigerator, I can just go and get it and then make payments on it in case of an emergency. So that was kind of like my emergency fund. Like I had my card. It's the poorest mindset you can have having a credit card for an emergency fund. So I started out with a, I think it was like a thousand dollar credit limit with one card. And then I ended up with like three cards close to like to 10 K each. So yeah, like I had an emergency fund if I needed to buy something and then I can make payments on it. Such as like the washing machine. Emergency fund.

1:16:53It's other people's money. Now it's in collections. Oh yeah. I, yeah, I get that now. But, um, yeah, I got the washing machine with that, but with the, how much was the hair transplant? Like 10. Good. death, man. So you were paying on it for a bit. Yeah. I had never missed a payment until she left. Well, you've had this job for a year. You couldn't figure out how to make any payments for a year? That's not looking good for the future is what's concerning. I understand maybe the first few months you played catch-up, but having this job for almost two years now or a year, whatever it is? Yeah, so now I'm making enough to where I'm just like covers all my bases.

1:17:33I don't think so. You're spending more than you made. It doesn't really make any sense, but yeah just I don't I'm not able to save money and then when I do save money like I told my best friend I was like I have$1 ,600 saved up he's like okay good I was like well next month when my roommate moves out I'm gonna have to spend that on rent so that constantly gets me and then when your girlfriend leaves I don't know and you're blaming them for not paying their bills they're kind of jaded by the women and your roommates and everything right am I jaded by them? No, he's a nice guy. My roommate. My only girlfriend.

1:18:05She moved out. She left. All of a sudden you're in debt. Yeah. She's going to do it again because you're pathetic. And she probably should. Care credit? Yeah, we have a dog. We have four dogs. And I assume you did not have pet insurance. No. Would pet insurance cover a surgery like that? Yeah. Okay. Well, what surgery? So he had a tumor growing in his throat? Yeah, probably. And it'll cover like good pet insurance we cover what 20 to 50 ,000 hours a year depending but it's like 50 bucks a month. So well yeah we have four pets so I mean that would be it's stacking but then you don't have a 8 ,000 hour card or whatever the that was LVNV funding always pops up there it is thousand hours what happened there?

1:18:50Which one was that? Oh well that's that's what it's been sold to I don't know what it was but it was I think that was like a credit one card okay here's your car okay so the good deal you got on. It's the interest rate of 3%. You're right. 3%. Not crazy. I had good credit. I was making good money. I was doing good until I lost my job. Remind me what your good money was one more time. 1500 a week. Okay. Sorry. You do not get right now you owe 34 ,120 dollars and 84 cents on it. No, right now I don't owe that. No. Well, what is it? What's owed on it now? I think So it's 13 ,000 left. So 34 ,000 is what you borrowed.

1:19:30Making$1 ,500 a week. No, you were not making good money. Also, you're making the same amount of money now anyway. $1 ,500 a week? Oh, a week. Okay. So you're making$6 ,000. Me in that instance. You're making$6 ,000 a month. Okay. Even still, a 40, almost$40 ,000 car. And that situation is insane. It was a Civic. And it was like. Okay. It's not like it was an Accord. It's not like the turbocharged Civic. It was literally the base car. It's a price of a car that you cannot afford. And now you certainly can't afford it. I needed that car. Yeah, that's why you stretch it out to a 75-month term. You didn't need this car.

1:20:09You needed a car. How could I get a car? A car? Yeah. You go and find it. What are you talking about? That was the only car that I could get. That was the cheapest car there. In Dallas, Fort Worth. Yes. About to be the third largest metro in the entire country. And this was the cheapest car in the metro. I didn't have cash to pay for a car. Doesn't matter. I didn't ask you to. Okay. So I went there. No money down. Doesn't matter. Got 3%. You went there. There's a shit ton of dealerships there. I went to Honda. That was the base model. Okay. But you didn't need to get this. You could have got a 10 ,000 hour car, 10 ,000 hour loan with the worst interest rate and still paid a lot less over time and had to pay for a car.

1:20:44They don't have$10 ,000 car at Honda. Yes, they absolutely do. They don't have Dave Ramsey, 2 ,000 hour cars, but they do have 10 ,000. What are you talking? I'm helping my brother get one right now. Yes, they literally do. A$10 ,000 car at the Honda dealership. There's no way. Honda, I don't f***ing know. But at dealerships, you don't have to go to Honda. If you go to a buy here, pay here dealership. You don't have to go to Honda. You would still have to put money down. You can, I wouldn't even advocate for this, but you could have bought, first of all, when you were making good money, you could have put$500 down on a$10 ,000 car.

1:21:12But even still, put that aside because you make every excuse in the world. You're making so much good money. If I have a$10 ,000 car, is that reliable? A$10 ,000 car reliable. Yes. How? How? What do you mean how? I'm driving like 30 miles a day to work one way. Okay, that's reliable. You chose where you lived, by the way, but even still. Not really. Yes, absolutely. Dallas-Fort Worth, there's a lot of places to live,$1 ,000. Shut the f*** up. No, I ended up here because it was the only place to stay, so I moved here. That's not true. Yes, Dallas-Fort Worth has no places to live. See, everything is you can't do anything in your life, apparently.

1:21:45No, I moved here. But how is a$10 ,000 car affordable? You take it to two mechanics before you purchase it to get it certified that it will not break on you. This is what people do. This is what I'm doing to my brother right now. Things happen to 34 ,000-hour cars. So what happens when I'm driving to work and it breaks? That's why you're going to a mechanic first. Again, you're incapable of anything. They don't guarantee that it's not going to break down. There's no guarantee that a 34 ,000 won't either. Well, when it does, I get a rental car and my car gets fixed. You will get that, but with a 10 ,000-hour one, that leaves you in a debt-free position much quicker with a lower minimum payment payment that allows you to save up an emergency fund quicker, which also replicates being able to get a$10 ,000 car.

1:22:25If you need to, you are incapable of anything. So a$10 ,000 car would not have been a good idea because no, you can't say that you do not know. Yes. Anything could have happened, but the car that I have now, it's not going to break. Okay. If it does break down, I'm going to get, I'm still going to get a loaner car. You are leading to, it was a conclusion that 100 % of the time, your 10 ,000-hour car would have broken down. That's where your mindset is. Yes, I was prepared for that, and I wanted to prevent that so I could get to work. Because if I don't get to work— But it's not a 100 % chance that would have happened.

1:23:02No, but it's still a big chance. No, not a big chance. If you do proper maintenance and everything, absolutely not. We have people on the show that do that. Again, my brother, family members, absolutely, this happens all the time. That's what I did. And it wasn't a 10 ,000-hour car. It was a 3 ,000-hour car, but it's a different era. We're assuming that there are$10 ,000 cars. Yes, because I'm literally having my brother get one now in an area much smaller than DFW. Who's he buying it from? Who's he buying it from? A dealership. Okay, a dealership selling a$10 ,000. So first of all. A used car dealership?

1:23:30Cars. Dude, what are you talking about? Like Honda, for example. If I go to Honda. You're obsessed with Honda. It's not only Honda. It's not the only brand that exists. If I go to any dealership, they don't finance you cars that are older than seven years. Okay. Older than seven. Okay, let's find some options right now. Which, by the way, you're like, how can I find a$10 ,000 car? Well, your car is only worth$15 ,890. So, by the way, that's closer to where you can find some$10 ,000-hour cars. You're getting pretty close to it, but you owe, what was it,$17 ,000,$18 ,000,$13 ,000? $17 ,000, right?

1:23:58Didn't you say that? Okay,$13 ,000. So your car right now, the one you have is getting close to that$10 ,000. So let's say you got a$13 ,000-hour car. There you go. You would have got the car you have now. Okay, well, they don't have those cars at that dealership. At that dealership. You're obsessed with it. It has to be at that dealership. Your logic is broken. You're incapable of going to another dealership. No, I went to a couple. But the car that I had, I had a Honda already that was leased. I don't care about Honda. And the lease ran out, so I brought it back. You pretend like I give a shit.

1:24:26They gave me the most money towards it. How much do they give towards it? Not much because you still owed$34 when you bought it. Yeah. You know, there's a car fee nowadays. It's basically like we have three Hondas on the lot, so you have to pay more for this car now? You know what fee I'm talking about?

1:24:50It's some kind of fee that they charge now where it's like this car is quote unquote in demand so we're going to add a 5K tag on top of it. Okay, yeah. I mean, maybe a little inventory fee, sure. Just pricing it up because of demand. Yeah. Actually, maybe. I could see that making sense. Yeah, so that was on there too, which... Great. You chose to be at that lot at that dealership. I don't care. You really make... I just don't see where I would have got a$10 ,000 car. Of course not, because you didn't look, so I don't care. I didn't say no money down, but$500. And not paying like 20 % a month. It wouldn't have been 20%.

1:25:25It would have been closer to like 10. It's not great, but you would have paid it off a lot quicker and saved a lot more money anyway. I would have saved more money on 10 % than 3 %? Yes, at a$10 ,000 car. Over the 75 months that you borrowed this, 75, I would have got you a three-year loan. Absolutely. 75 months is insane. yeah okay great wonderful rebuttal but then regardless if you don't look you're right you'll never find it and if you don't take a mechanic you're right it'll break if you don't do all the shit you have to do when you're living a lower income life then yes you will always be i needed a car that was you just i know you did you had to go to one honda lot shut up i'm i needed a car shut the up shut the up what's your minimum car that was reliable yes no other cars are reliable than a brand new car shut the i could have went to dodge i could have went to chevy Hey, shut the f*** up.

1:26:12What's the minimum fee payment? The argument's done. 520. Dude, you're just pathetic. You can't do anything. You're incapable of doing anything. Okay.

1:26:26Sure. Yeah, why not? Let's have$46 ,764 student loans too. For the nursing s*** that you didn't even finish? How long were you in school? I was in school two different times. I went to school for two years. The first time was 25K. For what? Medical assisting and x-ray. Oh my f***. Second time? Second time was for registered nursing. Dude, and you can't complete shit. Okay, so these are federal? Oh yeah, Department of... They're in good standing, so that means you're making minimums. That's good. How much are you paying? Zero. What? They don't ask for money at all. They probably will soon. When's the last time you've logged in?

1:27:03Because even under the repayment assistance program, it's as low as 1%. Like after COVID, they would extend it. Oh, no. You know why? You're deferred. You need to see when your deferral ends. You're under deferral right now. Once your deferment ends, you are going to owe. And that could be in a matter of weeks, if not months. Deferments are coming to an end immediately. I'm surprised you're even on it. You must have specifically requested it. Maybe you didn't even know. I mean, I know they asked for money one time, and I said, well, I'm not making money to pay. Maybe it happened when you're unemployed, but they'll see with your taxes.

1:27:33They'll see when you file. Did you file last year's taxes yet, Ann? Yeah, I file every single year. How much did you make last year? Oh, 34, 32. Okay, they'll see you making money. I mean, it's not great. I mean, you can get in the repayment assistance program. They'll see the student, you're going to owe on your student loans, man. Yeah, I'm worried about that, but. Well, not really. It'll be as low as 1 % of your income, depending. I don't know how the repayment goes like that. Okay, so you went into this nursing program while you're dating a Florida girl, so you moved to Florida to do this.

1:28:00No, I lived there. That's where I was born. Oh, that's why you didn't complete your degree. You were arrested right before the final exam. What is wrong with you? I didn't do anything. You were such a creature. Of course you didn't. You never do. I had no record. What were you arrested for? Allegedly. Allegedly. Yes. Allegedly. What were you allegedly arrested for? She would just call the cops on me. Yeah? Yeah. She was abusive. She would call the cops on me. What did she say you did? Well, she just said that I hit her. Okay. That she would hit me. You said she tried to kill you with a knife. So you smacked her with a chair.

1:28:33Gave her a black eye. And you fled the cops. No. You fled before the cops came. They were trying to ask me a question, and I just didn't respond to them. So you fled to Texas. When Colton asked you if he had a warrant out for your arrest in Florida, you said, I don't know, maybe. You said, I don't know, probably. I don't think so. Well, you said probably to Colton. Maybe I did. You hit a woman with a chair? No, self-defense. Well, yes, but you still hit her with a chair. Yeah, she was coming at me with a knife. A chair is such an interesting weapon. What would you defend yourself? I'm not 100 % sure.

1:29:08I don't think of a chair, but I guess if a chair is there, maybe I'll throw it. In a black eye, it doesn't really look good when the cops show up. I get it. Well, that's why I didn't talk to them when they answered the door. Was it self-defense? We'll never know. I know you'll say it is. I've talked to her and she's admitted it. I'm recording? No, but we've had conversations ever since then. So if it was actually true, would she still be calling me? Well, I don't know. She sounds like a crazy, obsessive bitch. Yeah. Okay. How old was she? my age okay checking account I mean you have a thousand two hundred in here so I don't understand like you can do things well okay you stop in and get some bullshit what are you getting for like five dollars uh which place well this is Kroger for five dollars Kroger it's usually milk or something like okay just for five dollars okay you got a one time thing apple bill apple bill you can't tell me you don't have money to put towards things so you went to mcdonald's then you went to mcdonald's so I have not and then you went to mcdonald's no no no you went to three mcdonald's and then you purchased the steam game for$75.76.

1:30:08No, no, no, no. No, no, no, no. Except it's right there. Shut the f*** up. Donald's was for her and she paid me in cash. Okay,$75 Steam game? Yeah, I did buy one game. Uh-huh, shut the f*** up. You pathetic one. Am I not supposed to play any game ever? I'll play the games you already have. If you can't pay your debt, you don't get to cry. So I should never do anything fun. If you can't make a$50 payment to student loans and I have to come bail your ass out, you don't get to get a$75 game. Go f*** yourself, you privileged creep. So I can never do anything fun again until my debt's paid? Sure. That's ridiculous.

1:30:37No, obviously not. But you do not have to go purchase a brand new$75 Steam game. Sure, I could. Play a game you have, go to a park, watch the kids, things you like to do. I don't watch kids. Of course not. There are a lot of things you can do for free. D &G plan. So that's, I have washing machine insurance. Insurance? Insurance? So my washing machine broke like twice during the warranty. and they came out and fixed it. Okay, Twitch, you're paying for a Twitch sub. That's her subscription and she gives me money for it. Why is she on your checking account? Because she doesn't have a car. Make her figure the f*** out, dude.

1:31:16Hulu Plus, Donut Palace. Yes, I do have Hulu. The donuts was for work. I brought donuts for everyone. You can't afford that. If you can't afford student loans. I got paid back for it. Oh my gosh, okay. Washmaster. Don't need that in Dallas. You're fine. I don't need to wash my car? Correct. It's$20. Exactly, and you can't afford to put$50 on a student loan. So I should not wash my car? Correct. Also, bucket of water. You live in a house. You can wash your car. It's$20. Yes, and everything is stacking up. Are you not getting that yet, you pathetic piece of shit? Maybe for$40. That was from her.

1:31:51Uh-huh. But everything is still stacking, like your Twitch, like your car. But she pays for the Veda. Like the Hulu, like the car wash. like your steam purchase. It's stacking up. There's an Apple bill. There's the donut palace again. So the Apple bill, there's another Apple bill. We'll look through your subscriptions. Shut the cops up. Interrupting me. Go inside the gas station, getting something for$4 and 32 cents. Yeah. Everything is stacking up. Well, we're going to forgive you. You want to beg. I don't know what it was for us to do. You defer your student loans that you owe that we're bailing out.

1:32:22Shut the fuck up. I don't know what the$4 was for. Worm Apple bill cash app. Die or something. That may have been right. I don't know. McDonald's again. McDonald's again. Grand Prairie something. Sublette Donuts. Sublette Donuts. Apple Bill. Going into the bullshit. Amazon. Amazon. Nintendo. That was hers also. All of that was her. Every single purchase there was her. Not every single. Exactly. It's all stacking up. Amazon. Amazon. Cooper Donuts. Apple Bill. Bullshit. Bullshit. McDonald's. Cash App. Bullshit. Bullshit. Apple Bill. Potential bullshit. Hard to tell. and selling on money. So it's bullshit with$5 in your savings.

1:33:01It's pathetic. It's pathetic. Let me look at your phone. Pathetic. Do you want to see my actual phone? Or are you asking about my phone bill? No, your actual phone, yes. Okay. So weird, man.

1:33:19So you're spending a shit ton of money. Yes, that is all stacking up. Yes, even the$20 car wash. It's all stacking up. He spent hundreds on bullshit outside of her even still. Apple Music. You can watch it and listen for free on YouTube with ads. I don't really give a f***. iCloud Plus, that's fine. What is this? Never Wonder Waze? Oh, Waze Cam Plus. Yeah, I have cameras in my house. That's not the worst. The first thing I would stop. Apple Music got canceled. Really? Yes, really. You don't have debt. Oh yeah, you do have debt minimum payments. 520. What's your portion of rent consistently? Before it gets raised?

1:33:59It's total$1 ,700. That's the rent payment. Now if I have a roommate, he pays$800. But that's rare? Yeah, I have a roommate. Well, for example, I've had my roommate for two months. Calculate your shit. Okay. And two months before that, I didn't have a roommate. So what do I have to put? Just$1 ,700? What about your girlfriend? Yeah, she pays like$400 towards it. so what do I put in your budget do 13 oh my this isn't gonna go anywhere is that including utilities no utilities the water is probably like 150 ish electric why don't you get a thousand dollar place it doesn't make sense because if I'm paying 400 a month when I have a roommate and she's paying her half you never do and she doesn't your rent and utilities right now when you don't have a roommate is already like$17.50.

1:34:54Like, this is crazy. It is. Yeah, so get$1 ,000. I'm so close to just ending this. What's your phone bill? You're so stupid. It's like$90. Get helium$15 a line. It's great in Dallas. Don't you need to own a phone to do that? You don't? They give you a phone? You don't own your phone? No. You have a payment plan? Once that's paid, then yeah, fix it. Okay. Well, once it's paid, it pretty much stops working. What? Yeah. Yeah, like they stopped giving you updates. Your phone starts working slow. Oh my goodness. Shut the f*** up. I hate you. Am I wrong? Yes, you're wrong. What's your vroom vroom guess?

1:35:30I don't know. 30 a week. If I had to guess, 30 a week. Okay, 20. No, 60. Yeah, 120. Okay. What is your car insurance? 140.

1:35:51Okay. You contribute 300 to groceries, 100 for TP fund. Anything else you need to survive? Total paper, all the bullshit. Medical health care, any couple of days? I do not have health care. You don't have health insurance at all? Okay, let's get you on the minimum plan, like 250, so you don't go in an emergency. Maybe even 200. Probably like Affordable Care Act stuff. How many pets you got? Four. Okay, well, one hand surgery, that's bad. Okay, so 150 pet insurance. How much for pet food? Come on. Maybe like 70 every two weeks. Jeez.

1:36:30Anything else? Do you have a gym? I do. How much? It's 30, and then she has the add-on membership, which is 10. Okay, well, she can pay that. She doesn't, though. Well, then cancel it. Then she bitches. I don't give a shit. Then I don't get 800 a month. You need to move out. That's the option. That's just it. Like, that's it, man. Because, and let me show you.

1:36:59You're actually basically breaking even. But you can make actually a lot of progress if you just had a 1 ,000-hour place with like$200 utilities because it's smaller. But$3 ,020. So obviously, I mean, get a second job. Make an extra$1 ,000 a month. Boom, we can actually start saving up and paying off. You can pay off your car quicker. So with my current job, I can't get a second job. Why? Because I have to have flexible hours. Okay. So like this week, I'm all... Very good. Then you're moving out and you immediately save just about$500. $500 you'll save. Go get your own place,$1 ,000. You'll save$500.

1:37:36Don't I need like$3 ,000,$4 ,000 to move into the apartment? He has an excuse for everything. He'll never set anything aside. He'll never do anything. So how do I get the$4 ,000 to move into the apartment? Okay. It's not going to be$4 ,000 to move into the apartment. First class security. Depends. It depends on the complex. Well, let's just say more likely like$2 ,000, okay? So$2 ,000, how do we do that? You put it on a credit card and you'll still save more money over time. Personal loan, CalebHammer.com, get a personal loan. There you go, you figured it out. I don't want you to go further into debt, but if that saves you more money over the long term, yes, it's worth it.

1:38:07Again, you are incapable of doing anything. That took 30 seconds to figure out, but you're not able to look into solutions. You're only able to look at problems, no solutions, and you won't do anything. So I'm done. You're pathetic. So how do I go from$17 ,000 to$1 ,000? I said I'm done. I said I'm done. How about you figure that the f*** out? Well, that's why I'm here. What? What was your question? Because again, problems. I need first license of security to move into an apartment. I just said it. A personal loan. Well, yeah. I didn't know that before. But I already answered it. Yeah, right. But that's why I had the questions.

1:38:37Okay, shut up. I'm going to the post show. You're pathetic. I'm going to look through the f*** drum. We're going to call the girlfriend. Let's get the hammer financial score. Go f*** yourself as your score. You pathetic worm piece of shit, deplorable, nothing. A waste of human existence, disgusting creature. Joanne Hammerly, three shows a day. Incredible shows. Everyone loves it for a reason. 100 ,000 members for a reason. Join them. Click join. See in the post show. His girlfriend might not know this. Him and *** have texted. April 15th. You're texting the ex. Girl and girlfriend doesn't know this.

1:39:09I don't know what you're talking about. June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the wait list by using the link in the description or pinned comment down below to get a never-before-seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar. June 1st, this is the best membership you'll ever join and that is a promise.