Wannabe OF Model Made $0.52 Last Month | Financial Audit

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23:59You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data.

24:30That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial DollarWise.com, link in the description below Okay, let's see what you're sending on here This is crazy So what's your rent right now? How are we doing this? I don't have rent, I live with my parents Okay, that makes more sense So what are you trying to do in the future? Okay, so how many people are you texting on here? Just get out Oh, a lot, July 17th That was a few days ago Okay, so what are you You're getting real click happy over there I'm scared I mean, yeah, those are your tits, but that is only...

25:13Okay. I mean, they're large, but these aren't people even asking for anything. You're just sending. I'm so confused. Is that only... Well, yeah, I'm looking through the messages. I haven't created any content in probably like a month for only... You shouldn't. You should stop. You should do something with your life. I don't even know. This is... And that's like, that's what I wanted to do. Like, I haven't wanted to continue to do f***ing anymore because it's a lot of f***ing work. So what were you fighting about that made you bang your head into the wall, though? I really don't remember. We would just get into, like, screaming matches, and I just, like, couldn't take it.

25:53And so I just— You're insane. Yeah. Yeah. So what's the future? You want to get out of the house. No shit. That's pretty basic. Yeah. But how are you doing that? What's the plan? Well, the most recent plan is I, it's$1 ,300 to get your real estate license. Oh my, what is it with everyone with a parent test that thinks they're going to do it? You live in West Texas. Go on. Because I was a leasing agent and I loved it. I loved being a leasing agent. That was so fun. And it's like real estate, there's more money. You're not going to be successful in that. Why? Because 80 % aren't. And I'm sorry, I don't, it's just like you bang your - But you didn't say why.

26:38You bang your heads in walls. You were a leasing agent. And? You just do - I don't see this life skill. What entrepreneurial thing have you ever done that'll get you to, that has indicated that you would somehow be good at real estate? The leasing job. That's going to show 100%. I leased over apartments signed - Holy shit, I want to be real estate. You just make no sense. Within 90 days. Less than 90 days. Are you applying to jobs in the meantime, please? Yes. Thank f***. Anything lining up? I've got an interview on Thursday. Good for what? A leasing agent job. Oh, thank f***. Well, were you fired from your previous ones?

27:18No, I got f***ed over from the last one that I just worked at. I quit before my 90 days was up. And so they didn't pay me my commission. You quit before 90 days? Yeah. Why? The apartment complex, it just, corporate didn't like me. See, if you can't even stick out for 90 days, like you know how long, like most people don't make money in their first year of being a real estate agent. Yeah, no. That can't be your plan. You're doing some door to door. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration block or finally break down that long article you've had open for weeks.

28:00Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18 plus. We're sales a month ago. Oh, you lasted one week. Great. What were you selling? Windows. Okay, you are not going to be successful in real estate. You need to work for someone. You need to work for someone at a desk doing something. You can't do sales. You are not someone that can do that. Why? Look at you. Less than 90 days at that previous position. You can't even stick out all apps. Less than 90 days, but I still leased 35 apartments.

28:35And then you lasted only a week. You lasted a week at the sales job door to door. Yeah, because I'm too small. I'm too cute. Oh, shut the fuck. I'm going to be f***able. Oh, shut the fuck. You'll be kidnappable in real estate as well then. Yeah, but at least I'm not going door to door. I'm not invading people's spaces. No, but you're meeting up with random people who say they want to buy a house or sell a house. Good luck. Okay. Okay, so this isn't a real plan. But okay, maybe you'll be this real estate person. Anything else going on? I do sewing and stuff on the side. You do sewing. Okay, what's that?

29:07I just, I sew bags. And I, like, repurpose and recycle and reuse. So I'll go to, like, thrift stores and get, like, Wrangler pants. Is this an actual business? Yeah. Like, people are, like, actively, like, ordering and buying from me. Okay. Tell me about the business. us. First into the tank is a whore who thinks she can make bags but can't even spell what's on it correctly.

29:43Hi Sharks, my name is Vanessa and I'm from West Texas. I am here seeking $5 ,000 for 5 % of my company. Every person needs a bag, whether it's for travel, for daily use, In an age of mass production, more and more people want customized pieces that reflect who they are and where they go. Growing up taught me that you don't throw things away just because they're worn out. You figure out how to give them another life. That's become the foundation of my business. I started teaching myself to sew over six years ago, and what began as a hobby turned into an obsession. Today, I create custom bags and accessories by repurposing clothing, workwear, vintage textiles, and other materials that would normally end up in a landfill.

30:32Every piece is handmade and one of a kind. I don't want to stop at custom orders. I want to build a recognizable brand where every product has a story, whether it's turning an old Carhartt jacket into a backpack, making a cable bag for musicians, creating organizers, or repairing someone's favorite piece. of clothing instead of replacing it. I also document the entire creative process. Customers can watch their item being made from start to finish. That content builds trust, grows with the brand and the creator, an additional source of income through social media. Eventually, I want to offer nationwide mail-in repairs so people can restore the clothing and the bags they already love instead of replacing them.

31:21Why I'm seeking investment? My biggest challenge isn't making the products, it's growing the business. An investment would allow me to improve my workspace, purchase equipment and materials, build a professional website and consistently create content that reaches more customers. I'm not trying to build another fast fashion company. I want to build a brand that celebrates craftsmanship, sustainability, and creativity while proving handmade products still have a place in today's world. With the right support, I believe this business can grow into something much bigger than custom bags. Any questions?

32:01What are the bags? This is one that I made for Caleb. Okay. So it's got like a zipper. This took me about eight hours. so it's got like zipper here zipper here and then on the inside it's got a place for a laptop and then there's a cord bag in there too that I made hmm so it's like completely customizable there's a water bottle pocket on the side there's places where you can clip things and how much did this cost for you to produce This only costed me$12. Costed$12. And what do you sell it for? I sell it for around$150. Wow. So that's a premium product. $150. Vanessa, is this a new business? I mean, are we still in the conceptual stage?

32:58How much revenue have you had come through in sales? I'll be honest with you. It is quite a newer business. I've had about eight bags sold. so far, but I've been going live on TikTok and just sewing and making stuff. And people are so intrigued by the process of me making these bags and they get so interested in them. You know, eventually they're like, Hey, I would love to order a custom bag from you. Okay. Or something as much as like them sending in like maybe their favorite pair of pants. And I can make that. How many followers do you have on TikTok that you're showing this all to. At the moment, it's only 700 that I'm showing it to.

33:38Okay, and just to bring other sharks up to speed, have you ever had another TikTok? I have had another TikTok, and I had like 15 ,000 followers on it. That's interesting. What happened? It did get banned. Why? Because I was doing content creation, adult content creation. Oh. And so it got banned for that reason. So here's my thoughts. I'm going to tell you how you actually grow this business. I think it would be very unique if you show yourself making these bags, but you make just crazy custom one-offs. You document the process and then you sell it to the people who are watching. Like I see people do this all the time with art.

34:16They create these amazing art pieces. They document the process. Some of them get a lot of views and then they sell them. But I don't think this is quite a business that you could scale easily unless you just happen to go crazy viral. I do want to know, how did you come up with your valuation? You said 5 ,000 for 5 %? Yes, 5 ,000. So that would be for all of like sewing table, cutting table. I understand that. But where did you get to about 100 ,000 being the value of this company today? I never said it was 100 ,000 was the value. The offer says it though. 5 ,000 for 5%, which would be a 100 ,000 valuation.

34:56That does make sense. So is the valuation coming down? Yeah. Okay, good. I truly don't know what my business would be worth, but I do know that I can create really good pieces and really connect with these people because these are stories that you're telling through these workwares and everything. I've made a bag out of my dad's old clothes, some of his old pants. And that was a story because in those pants, he did a whole bunch of things. And so that turned into a story that turned into something bigger. I would love for people to be able to send in things. What did he do in his pants? Well, he just got to like go interview a lot of really cool people.

35:41And like that just that day was like a special day for him that he wore those pants for. So you know what it costs to produce this bag, but do you have shipping under control? Do you understand the costs around that? So shipping would be around like five-ish dollars, but they would be giving me half of the deposit up front, and they would be covering the shipping cost. Vanessa, I would be curious, how many bags could you actually make in a year? Because let me lay it out. I wonder where we are on the chicken versus the egg. what came first is if you should create your following so that you can then charge a big enough premium if you had enough followers, because you're probably not gonna be able to create a ton of these bags since they're all custom and one-off.

36:30And I'm just worried if you don't have the audience first, you're not going to be able to charge the premium. So it's not a viable business. Does that make sense? Yes, absolutely. And I can, I literally within two weeks got that 700 followers. I just go live on TikTok. And unfortunately I did get just a ban at the moment on my TikTok live because I was adjusting my camera. And when I went to like reach behind it, it was just my cleavage that was in view and I've tried to appeal it. It's been in approval for literally three days. I'm still waiting. Was there, is this the 700 or the 15 ,000? This is a 700.

37:13Okay. So we're already on the brink of the 700 going away. No, because that was my first restriction, and that was totally user error, just not realizing where the camera was facing. Now, once we get these followers up, if you're able to get these followers up and we're able to sell enough bags with the, say I provided 5 ,000, have we considered, instead of you making them, having a child in Asia or Africa without making them for a couple cents. See, but why do that? Why do that when I can make them? And I can also make these like, just like baseline products of just like, oh, this is a cute little shoulder Wrangler bag.

37:57And I can just make a couple of those so that those are just sellable. So how are you currently paying your bills now if we're not making as many bags today? I wanna know, I wanna make sure that the person I'm investing in is able to take care of their life. All my bills have been paid for, for the most part. How? I am getting money from men online. To do what? Well, you know, it's adult content creation. That's how I make money, and that's how I'm spending my bills. So, unfortunately, I believe in your daily life that you're a whore, and for that reason, I'm out. Just in my daily life, because I decided my body was worth someone spending money on it.

38:44You're out? I'm out. Okay. But you still have four sharks left. All right, so here's what I think. I'd be going in on the content creation. I'd be making the bags. I think if you spin up a unique story with the jeans, when someone sends you something, you document the process, I could actually see you selling these things. I think you could grow a following showing the cool stories behind it and actually do well at it but the problem is that you could only make so many bags in a year so the only way to scale this in my opinion you sell a really premium bag that's handmade kind of like ZHC this guy would do custom art on like iPhones and stuff like that scale that up and then eventually you offer a mass market product but you making them yourselves is going to be pretty difficult but not to say you can't make money on it and grow a following from it, but like scaling that beyond just yourself is gonna be a longer process.

39:40Yes, and I don't expect for it to happen overnight by any means. I know that this would be quite a long process, but sewing has been the one thing that's been like very consistent in my life. I've been doing it for six years. No matter what, like that's just where I go to is sewing. And I love making things for other people too. I just, I don't make things for myself, I make things for other people. And Vanessa, I think that anybody who can actually create something with their hands that has a value, that's something to be commended and to be respected. I think I'm out just because you're doing this at the wrong time, meaning that you have to get the following, exactly what Graham was talking about, so you can charge the premium that your hard work is worth.

40:23But lean into your talents of what you can create with your hands and create the monetization and try it because I worry some of the ways that you've made money in the past, that's only going to be a moment in time. And I want you to actually develop and lean into your talents of what you can create because that's going to just have a lot more longevity. It's actually going to be more sustainable for you. And you probably can create your own little cult following that lets you get the crowdfunding by charging that premium. But I wish you the best, but I'm out. Thank you. Here's what I would do.

41:00Instead of money, I'll give you my email and feel free to email me if you have any questions. I'd be happy to email you back, give you my thoughts on something. And I think that would be worth way more than$5 ,000. I really appreciate that. Graham, are you out? Financially, I'm out, but email is in. Cool. Well, Vanessa, I think you're very sweet and I think it's really cool that you're talented. But my worry is that the marketing strategy could disappear over something that TikTok doesn't like. And also my portfolio is already carrying enough baggage. So for that reason, I'm out. Thank you. All right, Vanessa, this is Humphrey.

41:41How are you? Financially, I'm also out for similar reasons as the other sharks have said here. But to answer your question about how to value your business, at this current time, it takes you eight hours to make a bag. So in a single year, presumably, if you worked every day, you could maybe make 250 bags, you know, normal working hours. And so if each bag is$150, your annual revenue is$37 ,500. and so if you're making$37 ,500 from making these bags full time, first of all, that's not even enough of a wage for yourself, I think. That would be really tough because that's just revenue. That's just not your costs.

42:23And then the other thing is that if you were to value it at, say, one-time sales, so your business would be worth$37 ,500, but let's say at the high end it's worth 1.5x or 2x sales, you're kind of looking at between$56 ,000 and$75 ,000 is what your business is worth. I just don't think it's that worth it for me to invest in it. But I think it's got a cool story. And I think if you can grow your following and charge a very high premium for the bags, let's say their artwork instead, you know, maybe it costs you 50 bucks to make, but now you're selling them for$1 ,500. That could be really interesting.

42:58And people would buy it because of its association to you. I think that would be really cool. So I think your focus is maybe not so much on the price of the bags for now, but just really growing your online persona so that one day maybe you can charge that premium and then that would be interesting. But as of right now, I don't see it becoming a mass scale product. I appreciate y 'all's time. Thank you so much. Vanessa, you got some good advice today and unfortunately leaving without an investment, but we can see you have some big hustle in you and we wish you the best. Thank you. Okay, so it unfortunately looks like the bad company is not going to work.

43:37Honestly, I was having fun with it, and I wanted to get their reactions with me calling a whore. But in reality, I think Humphrey, especially at the end, it really gave some good advice. It really isn't scalable. No. Were you joking with the 5 ,000 for 5 % or was that what you were actually thinking? I just went to chat GPT's numbers. What did you feed it to get valued at 100 ,000? we had a whole project going on but but it's okay but it's okay i learned a lot of lessons from it i learned a lot of insight yes it actually was more valuable i was thinking i was like this is gonna be a good bit but i think no i think i mean what did you learn because i think you shouldn't pursue this first of all like a hobby it's a hobby it's a hobby but i think it'd be like a cute side hobby yeah side hobby but we're not pursuing this so this is my concern for you, right?

44:33It's like, okay, you're being a whore and like that's not gonna be great long term. Taking the old dude's pee-pee, you know, selling online. That's just, is that what you want for the rest of your life? No, and that's why I haven't. Realtor, that's not gonna work out. Why? We already went over it. You don't stick to things long enough. You're not that entrepreneurial type person. That just, majority of people that try to get into reels, they don't do well. Majority? Yeah, I don't know why. Why do you think you're gonna be, unique butterfly in that. Okay, fine. Why do you think it's going to work?

45:06You ask why I think it's not going to work? Why do you think it's going to work? Because I think I'm very good at selling a house. People need a house. And, you know, if they want it, they want it. If they don't, they don't. At the end of the day, you know? Wow. Okay. You're going to kill it. You're going to do incredible. Girl, you literally, I'm being told you quit jobs consistently on day one. That you leave during lunch, if you don't like the vibe, by lunch. Yeah. Girl, real estate. The amount of effort and shit you have to sling for the longest amount of time to make it. Okay, so there is no actual path.

45:45Not necessarily. More just ideas. So what, we just live at home? Yeah. That's it? That's your life? Yeah. No, going forward. Because you don't have anything real. I'll get you a course career certification. A lot of people use those to get great certifications in tech or trade and convert them into six-figure jobs. People have done it in the audience. So you can do that as well. But, I mean, besides the certification, do you want to go to college? You want to, like, what the f*** are we doing? Like, my big dream always, like, what I wanted to do. Okay, dream, sure. Was forensic psychology. Okay, well, are you going to go to college?

46:24Have you gone to college? Have you done any college? I haven't done any college. Well, at least when people are doing OF, they're using it to pay for college. You could strip through college. Paying for food. I don't want to recommend people to. But you live at home. Your parents own grocery shop. You have to pay for your own. Yeah. You have to pay for your own. Yeah. Hey, you're getting a Lambo. Maybe. One of my favorite partners is back with a vengeance. Y 'all know Ridge. Wallets, power banks, luggage. Cool shit you actually want. The Ridge Wallet 2.0 is the best thing to happen to money since me.

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50:07I don't have wifi either. My wifi, my dad shut the wifi off for all myself. So you'd rather strip than flip burgers though? Yeah. Why? Because I've done food jobs before. You're 24. I mean, you're not that old, dude. What have you done? A lot. Well, yeah, because you quit everything on day one. I've got experience. What? Let's see. We've got the tanning salon. I worked there twice. I thought we were talking flipping burgers. Okay. Bagel place. That was where I did my food. I've worked at Steinmar. I've worked at, I was a leasing agent. I was a housekeeper. How long has you stayed somewhere? A year and a half.

50:52I'm losing help a little too early on. I just feel like I'm a little overqualified for some jobs, you know? How? How are you overqualified? You know, I was a leasing agent. Okay. And so I don't want to go work at McDonald's now. What? That's a McDonald's of real estate. Yeah, but I don't want to go be in there flipping the burgers and everything. I'm too cute. What? People make careers there. I'm too cute to be doing stuff like that. I want to wear nice dresses. Maybe if you wore less makeup, I don't know what you look like out of there, but you're f***ing caked to death, dude. I don't know what's going on.

51:24Caked to death? You can wipe. You can wipe. There ain't nothing. There's no makeup on there? All that fake - Well, there is makeup on there, obviously, but there's not as much as you're saying it's caked. Come on. Oh, what are we doing here? That's - Okay, sure. But why do you look down on fast food workers? I'm not looking down on them by any means. Well, you said you're overqualified because you're a leasing agent. That's looking down on them. No. I'm saying I'm overqualified to flip burgers. Girl, your factor pepper can is just showing how much makeup you're wearing. Look at that. On the fucking edge of it.

51:58On lipstick. That's lipstick. Yeah. I mean, you're just going crazy. What do we think the percentage chance of getting this new job that you're interviewing for? Pretty high. They were asking like, how soon can you start? And I was like, as soon as possible. They were trying to get an interview. Are you actually going to stay there? Yeah. What is there to look forward to for this job for you to stay there? Because I need you to stay there and make money. It's in a college town. So there's like younger guys and I have a little bit of a mommy kink. What does that even mean? I just, you know. What does that mean?

52:32I just like to be called mommy. do college guys like calling women mommy i didn't do that while i was in college is this it's it's a whole different thing now everything's like mommy mommy i'm guessing texas tech is like the only one out there okay you're gonna stay there because there's young college guys plus it's just that's just a good place to like it's college kids that are looking for a place to stay of course they're going to need an apartment. So of course I'm going to be getting constantly doing chores and doing things. So it's like, it's less money. I mean, it is less money, but it's a job.

53:11It is a job and you have nothing right now. And I need you to stop being, I'd rather you be a whore just consenting to casual sex than selling it because it's just so, it's just not good for your life. And long-term damaging. So, I mean, that's fine. If that's where we're getting, like, I'm okay with that. But that's, I mean, crazy. Fine. Yeah, cater to your mommy kink. I think it would be fun. It would be interesting. You'd meet so many weird new people and lots of cute guys. Weird new people because you're in a college zone? Yeah. Because it's all like, well, they're weird. It's like ranching and stuff is like really what they're focused on.

53:49I don't get it. Okay. Yeah. You do you. I just need you to make a fucking income. Yeah. I mean, that's the critical thing here, right? And I need you to get it. Do you want to get away from? Yeah. You do? Yeah. Okay, why? Because I don't like it. Okay. Well, there you go. Okay, well, that's actually good to hear. My goodness. So when you meet up with Mr. 70-year-old or whatever, you don't actually like it? No. Okay, good. I just need to pay my phone bill. Good f***, dude. You're not your f***, right? Okay. In theory, I never agreed to that, you know? I never agreed to that. What? I didn't. I didn't.

54:29What? I simply just shook my head. What? It's a mutual spoiling. I'm sure. Yeah. Okay. So tell me about your finances today. What are we looking at? What has it been like in your adult life? In my adult life, it's pretty much been paycheck to paycheck. But I mean, I wasn't always bad with money. When I was 17, I had - 17? When I was 17. In high school. Okay. I had$20 ,000. How? Because of the COVID money. What? So I was getting paid to be at home for COVID. You were 17. Why were you getting paid? What? Well, because it was like 17 turning to 18, right? High school students were getting paid? Well, because it was 2020, yeah.

55:12High school students were getting paid? Yes. Were high school students getting paid? I was getting paid two grand every two weeks. What the f***? Were you a senior in high school? Mm-hmm. What? So I was able to save up a bunch of money because I wasn't ordering online or anything. And so I got like 20 grand saved up.

55:34I have to fact check this. Are you sure you didn't commit some kind of fraud? I've never, I did not. I wasn't in high school at the time. And I guess I don't know many high schoolers, but I have not heard of this. Yeah. Okay. So you had 20 ,000. I'm going to see if that's valid that you got it. But even still, you had it. What the f*** happened? So then I bought an ambulance. Okay. Okay, what is with the on the show and buying ambulances? It was five grand and I refurbished it. Spent about three grand refurbishing it. What are we doing? It was a tiny home. No high school seniors who were 17 year old during COVID did not receive 2 ,000, did not what you did.

56:13What fraud did you commit? I really don't know now. First round, CARES Act. I don't even know what website or anything. Up to 1 ,200 per eligible adult, which you weren't. Do your parents not claim you for taxes? Were you considered your own dependent? No, because you live with your parents now. Of course they claimed you as a dependent. Why wouldn't they? Third round American rescue plan. Second round. What the? What is that? The first round 17 year old claim as dependent generally qualified for neither. I don't know. Adult nor child add-on. I don't know. What the? No, you committed some kind of fraud, dude.

56:44A hundred percent IRS. What the? It was just like. Did you know you committed fraud? No, I did not know. What did you do? Did you sign up for something? It was like through like the Texas something. And I don't even, I fully don't even remember, but it was my friend just told me like, hey, put in here that you can't work during COVID and you can get paid. Yeah, for adults.

57:14And what happened to the money? So then I spent it on the ambulance, and then I stayed in the ambulance one night, and my dad came banging on the door just to joke with me, and it scared the shit out of me, and I never slept in it again. Well, you didn't blow the full 20 on the ambulance. The numbers didn't add up. Nope. So then I moved out. Yeah. And then it was just gone. Not where to go. Rent, groceries. Were you not working? I was working at the time, but then I was in between a job because I was waiting for school to start. So then I was just living off of that for a little bit. No, no automatic$2 ,000 a month checking.

57:55It says for 17-year-olds who said they could not work during COVID. Pandemic assistance, the BAU, unemployment assistance in Texas specifically, both ran regular unemployment and PUA. No, dude, you've totally committed some kind of fraud. Well Yeah, nothing in the state of Texas either Pandemic UBT Some school What the f*** is happening here? Did you sell the ambulance? At least get some of the f***ing money? So I sold it to my dad And my dad pays for my car insurance every month What? What's he doing with it? I don't know It's literally just been sitting there for a while What did you get from your dad for it?

58:35He pays for my insurance For how long? For five grand but neither of us are keeping track. So I'm just hoping you're just like... So you're using him. A little bit, yeah. Come on. Come on. So you're receiving money from the government. You did, and you got fraud. Let's ask the age-old question on financial audits, especially as a contractor or just whatever that you do. Do you pay taxes? I have not filed my taxes. You haven't filed. In the past two years. Why? Why? Because I didn't have money to go get it filed. One was it one year. That's free. It was free if you know what you're doing. I don't know what I'm doing.

59:18But it can go against your return on like TurboTax and stuff. I tried it and it just was difficult. So I just didn't do it. That's not how this works. You may have actually gotten money back because you're poor. I don't think I got money back. Well, you didn't file. So no, you didn't. You didn't give or get. Yeah. Yeah. Yeah, yeah. Oh, and then this year I just, because I had Medicaid, so like I wasn't going to get. You had Medicaid. So I wasn't going to get. You choose to quit jobs because you're entitled and we give you Medicaid because of your choice. Yeah. I'm okay with government programs.

59:55I really am. For people that fall in hard times, you didn't. You chose to leave. Why would we support someone who's choosing to leave? Wait, that's probably also, why do you get Medicaid? You weren't laid off. You weren't fired. I got Medicaid when I was working at the apartment complex just because I wasn't making enough. How many hours a week were you working? I was working 40 hours a week, but according to like all of it, I qualified. Are you on it today? No. I mean, because you're just choosing not to work. You're literally like, I won't flip burgers. I'm better. I'm overqualified for burgers.

1:00:26No, you say I'm overqualified for burgers. So why would I give you assistance if you're not willing to go get a job? Go fuck yourself. But I am willing to get a job. I'm actively applying. Not burgers. Yeah. You're picking and choosing. If you're picking and choosing, then we should not give you anything. I'm absolutely picking and choosing because that's where I valued. Good. And we shouldn't value your picking and choosing to give you benefits. Are you on any programs? No. Well, okay. You haven't filed taxes in a couple of years, so I don't even know if you could, honestly. You got money from FAFSA, but did you use it for school?

1:00:59Wait, you told me you didn't go to school. I didn't go to school, but I just randomly one day just put in the FAFSA to see if I I got money from it this beginning of this year. This year? Yeah. And? They said like I qualified for money. I haven't done anything. What are we doing? End the United States. End it. We can't manage anything clearly. We just hit our record number of people out of work in this country. Not even just unemployed. People just aren't even doing anything. And we're just funding that. And we're totally okay with it. We're totally okay. No one gives a f***. We're so done. How much did you get?

1:01:33I don't even remember. I didn't actually take the money. But it said you were qualified for it? I was qualified for it, yes. Why didn't you? I'm glad you didn't, but why didn't you? Because I didn't know if I wanted to go to college or not. So it was in relation to college? Yeah. Because I wanted to go for forensic psychology. Were you accepted anywhere? Okay, so it was for college? Yeah. Oh, well, you made it sound like it wasn't for college. Yeah, no, yeah, it was for college. Okay, well, then I'm not opposed to it. You very much made it sound like it wasn't, and you didn't get anything dispersed.

1:02:05Mm-mm. Okay. I mean, yeah, you could totally scam it by getting accepted into community college, which everyone is basically, and then saying you need money, so you borrow money and then use it just in your life. You could totally do that. Don't. I won't. But you could. Okay, what do you think your financial score is zero to 10? Zero being the worst, 10 being the best. My financial score? Zero being the worst, 10 being the best. Two. okay if you want to see where you stand in the world of money take the hammer financial score assessment it is free just takes a few minutes and it's new and improved so if you've done it before take it now and you can see where you stand in each category and high levels of detail in what you need to do to improve it check it out killhammer.com and if you don't want to be like a guest who ends up on the show one don't be a whore two download dollar wise take the free trial see if you like it tens of thousands of monthly active users for a reason changing their lives like you can right now and then most of them take the annual version because when you do you save nearly 50 % and you get the physical version of our 30-day budget meal plan and the digital version of the cookbook signed by me mailed directly to you.

1:03:10So check that out. You can make food now. I can cook. Congratulations. Excel Energy. I'm being told that this is required to pay back before you can even rent an apartment again. Maybe in your own words or what? I don't know. What? Tell me what's going on. Excel Energy, that's what most apartment complexes go through at least. So I have to pay them. Oh, that's where the rent payment is? Goes through? Is it utilities? Yeah. Utilities. Oh, in your area maybe? Yeah. So like I have to pay nine. They said that? Oh, so you have to pay that before you can start service again. Yes. I can't start service again.

1:03:47That's not unfair. And you make, dude, if you ride two old peepees, you pay that. And I don't want you to, I'm not advocating, but I'm just saying, Why haven't you? Because you live at home. I'm confused. Because I just like to spend my money. Well, there you go. So you don't give a f***. You don't give a f*** up getting an apartment. I do, though. No, you don't. You just like to spend money. You're not saving up for a first month last month. You're not saving up for a security deposit. I'm just looking for that momentarily happiness, you know, when you open a package. Does it not bring you happiness?

1:04:20A little, I guess. It's a nice little dopamine hit, but I can afford it. You literally owe back pay on energy and you can't restart a utility payment until you pay it. And you live at home and you're a whore and a... So... Well, it's a mutual spoiling. It's not... Uh-huh. What happened? When did this happen? When did what happen? The energy, dude. 100. That was the first apartment complex. Oh my... First ever. Have you ever been an adult? The money you did earn once when you had$20 ,000 setting aside was literally getting something in a fraudulent way. Other than that, you've never, and that's not an accomplishment, but other than that, you've never accomplished anything in your life.

1:05:05I have. I've accomplished a ton of stuff in my life. Tell me, please. What? I'm still here. I'm still here. What? Okay, the basic minimum human accomplishment, staying alive. Yeah. That's a big accomplishment in itself. That's the most basic thing ever. Yeah. Really? When I ask, you say you've accomplished a lot, and I ask you, what have you done? That's the one thing you can say. You can't say one other thing. I did, I lost about 90 pounds. Oh, you were a fat? Yeah. Okay, show me the before. Let's see. Huh, well, no, no, no, it's actually really good, because, I mean, yeah, you look good. And it's rare that people get to keep the tits, right?

1:05:53Yeah, because at first I didn't. I'm sure, unfortunately, now I'm sure that they go down to your legs, but... No? Them hosts still parky. It's actually impressive. Maybe because you did it young enough. I don't know. Well, it's just because I had extra, extra large titties. Oh, my gosh. Yeah, you were a big girl. Mm-hmm. Yeah, let's get this. and put it on screen. Yeah, not like morbidly obese, but you're definitely big. I'm actually surprised that that is an extra 90 pounds. I had a roll for sure when I sat down. Okay, no, I mean, okay. So what that indicates to me is that you're somebody that can stick to discipline of some kind.

1:06:34Yes, I absolutely can. And follow a plan. Now, why haven't you been able to financially?

1:06:40Because I don't really know what I'm doing. Well, how'd you know what you're doing with losing weight? Because it's simple. This is simple. How'd you learn the simplicity of that? Just, I mean, working out. Just, you figured it out. How'd you learn? I just figured it out. How? Just going to the gym and doing it. What about the dieting and everything? There really wasn't any dieting or anything. What the fuck is lucky? Okay, so how'd you learn what workouts work and the calorie deficit and all that good stuff? Just looking it up online. There you go. Why haven't you done that with this? That's the exact thing I'm trying to say.

1:07:19I don't know. It's very basic. It's just like... You spend less than you make. That's it. Yeah. So why did you not pay this? This was your first apartment. Why did you not pay it? What happened in that moment? So I lived by myself on the apartment complex and then just had like big life incident happen and then I had to move in. What was your rent? Rent was$800. That's so cheap. What was your big life incident? Just like mental health stuff. And so then. Okay, it happens. And so then I had to move in with a roommate. Okay, you had to move in with a roommate. And then the roommate somehow, I don't know how at all, but$500 later was like the electric bill.

1:08:06Why'd you make them responsible for paying the electric bill and not having your eyes on it? Well, I did have my eyes on it, or so I thought. Or so I thought. I was keeping up with it and everything was always paid on time. I was never late, never not once was I late, but then I just lost on my money. Okay, so when$500 popped up, why did you not figure out a way to take care of it? Instead, you were just like, no, let me f*** the next years of my life. Because I was moving in with my fiancé, and I was like, I don't need it. Oh, the fiancé. Oh, my goodness. I can't believe you were engaged. Okay.

1:08:39Shit. When was the engagement? How old were you when you got engaged? The engagement was last year. It ended in January. Of this year? Yes. And you got engaged what month last year? Well, we were together for like eight months. He proposed after five. What? Okay. Why did you get together so quick? Why did you say yes? It was just kind of like on the spot. I wasn't ready for it, you know? So say no. That's hard. That's a hard thing. I thought yes. Okay, then you should have been putting yourself in that situation if you literally can't say no? I thought, well, it was like I was financially dependent on him.

1:09:22What the f***? Why? What were you doing for work? Well, he wanted me to stay home. Okay, but you guys weren't married. So why would you be staying home yet? Were you still fat? Mm-mm. Okay. He just like didn't want me to, because he thought I was going to sleep with my coworkers or sleep with random people. And he just was a really insecure man. And then why'd you break up? Well, yeah, he said, don't my friend. And then you his friend literally last night after. Yeah. But come on. It's crazy. Are they still friends? No, I don't think so. It's crazy. Okay, go on. And so then. Oh, friends, multiple.

1:10:04You have multiple of his friends. Yes. How many? Three. Why? Why not? That's crazy behavior. You're clearly like targeting them. No. They're just like who I know. Are they all friends? They're not who I know. Yeah. Does he know? No. Why? Because I didn't tell him. Did they? No. And you just text them? No, I was just like, they asked to hang out. Okay, they wanted to fuck, obviously. Yeah. Because they asked to hang out. You don't hang out and not fuck with me. It's clear. Oh, he caught you cheating. No, I never cheated on him. but when our relationship ended so what it was was my co-worker had texted me because I did get a job at a vape shop like by the towards like the end of it okay and my co-worker had texted me I didn't have his his name or his number saved he had never texted me before he had texted me and so then he looks on my apple watch and he sees that there's a guy texting me and he's like, you're cheating on me.

1:11:09Like, I know I was always accused of being like cheating on him. Yes, you're a whore. I never did. I never did. Never, not once. Whatever. And I just told him like, yeah, I'm cheating on you. Just because like I was so emotionally exhausted in that relationship. I couldn't do it. Because of all his like oversight? No, because he was crazy too. In what way? I mean, there was one time where he was like, you want to see what real pain looks like? and he started cutting chunks of skin out of his arm. If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers.

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1:13:27What is happening out there? Yeah. What is the desert doing to people? We're losing our minds. We're losing our minds. Wait, but then why'd you get back with him last month and being told? Because we have such good sex. So I just hooked up with him. We just had the best sex. You have AIDS. No, I don't. There's no way you do. No, I don't have AIDS. The amount of people you get. You're over-exaggerating the number a little bit. I'm just going from what you've said. Show me y 'all's talking. Me and him? Uh-huh. I don't even know if I have it still. I think he deserves to know. I'm going to call him in the post-show and let him know.

1:14:03Oh, dear God. When did you f*** his friends?

1:14:09Like a month after. Okay, so it was before. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. They can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18 plus. Where are you f***ing last month? Yeah, pull it, pull it. You can search his name.

1:14:46I've got an attitude problem. Who? You. Oh, yeah. No, I deleted it. Your text messages with him? Yeah, I did. Why? Because I got tired of seeing his name on my phone. But you just rekindled. Yeah, he called me. He called me because we passed each other because I always have to drive on the road where he lives. Oh my goodness. And so we passed each other. He called me. Oh wait, you guys went on a trip together too. What the f*** are we doing? Yeah. So then like randomly we just like went on a trip and we kind of like, I thought we were rekindling. But then he like ghosted me as soon as we got back.

1:15:21Well, dude, he cuts his f***ing. Why would you want to be with that? Because I'm love blind. You're f***ing. Love blind. You're a whore. You owe. Wrong.

1:15:34I mean, it's fine. I've been a whore. Everyone's a whore. It's one of a thing. I don't know. $276 in collections for something. I mean, I don't even know what it was for. Do you? $2 ,000? $276. Take a look at it. There is a medical one coming that is$2 ,000, but take a look at that. That one is from, like, a buy now, pay later. Why? Those ones got me. When? When I worked at the first apartment complex. Oh, my goodness. What were you getting? Hair extensions. Not even worth it. How many? Why? Because that's when I was filming for only. Fuck. So did you ever even make a profit? Yes, I did. Bullshit.

1:16:25I just didn't pay him back. Yeah. I mean, bullshit. We got like at least over$1 ,000,$1 ,300 in bullshit spending last month. Yeah. You make$2 ,000 a month. You're never going to be able to survive. You're never going to be able to survive. You just let everything go to collection. So what is this? This is a medical thing, 2030. Yeah, it was just an ambulance ride. For why? Because I just needed to go. And they said. Why? They said you can either ride in the police car. To you. I had a moment. Okay. Banging her head against the wall as usual. Essentially, pretty much. And so then Baker acted me.

1:17:02They said, you can either ride in the ambulance or the police car. And I didn't want to ride in the back of a police car, and I didn't think it was going to be$2 ,000 for an ambulance ride. It didn't do anything. It just took me— When did this happen? Like two years ago. And why did you never set up even a payment plan or anything? Because doesn't it fall off after seven years? like medical stuff? Collections in general, but collections can sue you and court can garnish your wages from any future job you have. That's ridiculous. It's because I wasn't going to pay$2 ,000 because I got Baker Acted and they took me to an ambulance.

1:17:39Because you got what? Baker Acted. I don't know what that is. If you're a harm to yourself or others. Oh, I don't. Then they take you away no matter what and then you have to see a judge. Did you? Yeah. And said you didn't have to pay? Well, no. What? They take you to like a mental hospital. Okay. I can figure it out. Okay. Okay. Okay. What do you owe for 1 ,388 in collections? That is also just bullshit spending. Yeah. But what is the account? A firm. It was, I did buy like a pretty big sex machine. machine yeah what is that so i've never heard of this you can like suction it to the floor and then it the machine the machine and then you can like angle it whichever way you want it to go then you put on you know like on top of it you know you can either suction something to it or they have attachments that you can use and it just it just

1:18:51You are the horniest person. Yeah. Can I see what this looks like? Yeah. Without you attached to it? Yes. So a f*** machine went to collections. Yeah. Well, America.

1:19:12What an interesting time we live in. It was a great purchase, though. I will say. You use it constantly? All the time. Okay. I guess it's better than getting AIDS. So it looks like that, but there's more like attachment. Why would this be something that you're like, yes, let me just bend over in front of this. This is crazy. And then there's other ones. I'm sure we put it on screen. There's other ones where it's got like the rabbit ears and everything. Like there's just different toys that go with it. You can put like a creature cock on there.

1:19:46Huh? A creature cock? I don't know. Is that like of a... A cock of a creature? Like a tentacle or like there's a... Why would you want that? Because it feels good. That's so weird. Okay,$110 in collections. What? That's just another... All of those are buy now, pay later. All of them. Good to death. Okay, into your actual spending. Yes. So this is stupid. In your checking account, You started with negative$17.76. Mm-hmm. No, that was all your money. Sorry, negative$22.24 ended with negative$22.85. Why? Why start and end negative? Why do this to yourself? You will never leave home. You will never leave home.

1:20:37I don't even, where's like the spending page? It must be in there, but what the fuck is going on? Why would you spend money if you're negative? Just flat out. Where's the logic? Because I need gas. I need food. So you will never move out. I will move out. Align that. Align that with the current situation and tell me how. Is the current situation right now? No, it's not going very well. But you're someone who spends more than they make with almost no overhead. So how the f*** are you going to survive on your own? You already didn't pay your electricity bill. I've already survived a month without a job.

1:21:12Living at home. Yeah. Are you not connecting this? How are you going to survive on your own? You couldn't last time. I did, though. I did. You still owe on your electricity bill from then. That was only just because I moved in my ex. And so I just, I didn't have a reason to pay the electricity bill. Morals? Nah. Yeah, we know what the **** doesn't. Ha. Mutual spoiling. Yeah, what happens if that 80-year-old dies? Let's see what it said.

1:21:49Okay, credit karma checking account? That's a thing? Yeah. Whoa, okay. Did not know. Beginning balance, 671. Okay, it's better than last time, but I can't see your ending balance. Oh,$1. One singular dollar.

1:22:15more door dashing walgreens a lot of morning after pills i assume those sliding down my throat no i've got an x one on in my arm

1:22:26walgreens walgreens okay you you what are you stopping at walgreens and getting for two dollars and 83 cents like lashes you don't care about it you will never survive you're never gonna leave you're gonna be a home and a loser forever walgreens again lashes door dashing great Great-emer? Great-amer? Hello? I don't even know what this is. Great-amer. Oh, Great American Cookie. You're door-dashing. Fuck you, dude. Dude, you literally don't have a job in your door-dashing cookies. Yeah, I'm door-dashing because I'm hungry and because I'm a piece of shit car. So, piece of shit car to the drive-thru.

1:23:06Piece of shit walk to the kitchen. But I don't have food there Go take your piece of shit car To Walmart And get some groceries But then if you don't have gas money And it's at least 15-20 minutes If you don't have gas money How are you telling me You're getting a full tank of gas Worth of DoorDash In one sitting It doesn't make sense It's like$12 to DoorDash But Get$12 of gas It'll last you a second Exactly a second More than that meal But I'm hungry now Oh my Dude you're broke Okay good luck Good luck. Good luck. Tootin' Totem? Mm-hmm. I got a fountain drink.

1:23:50Is that more important than living on a run? I don't get it. Here, make your drinks at home. You can get the caffeine-free version or the energy drink version. That's the energy drink version. Gamer Subs. It's 40 cents a serving instead of going and all this bullshit. We have our very own financial audit in Caleb Hammer Flavor. one out of 100 per every 100 purchases will get the one with my face on it by the way 80 cents a serving with my discount code link in the description below uh code caleb while supplies last and also you can get any flavor get the free sample see if you like it and then she door dashes chick-fil-a for 16.71 and instead of getting gas she door dashes pizza hut on the same day nope the next day instead of getting gas for 16.85 cents alta and she cakes it all on in one sitting Dutch Bros for$13.35 instead of getting gas.

1:24:41She DoorDashes for$57.08 instead of getting gas. She DoorDashes Taco Villa for$20.73 instead of getting gas. She then gets McDonald's for$14.01 instead of getting gas. What's Headhunters for$22? That is a vape store. You are a failure in every way, so now you're going to just... Your entire body. Sure, why not? What's the point of McDonald's? $9. No gas. Rosa's Cafe and Tortilla. $11. No gas. Ending balance,$1. $0.25. No shit, you can't get gas. Fuck you. You're telling the producers, this is how you prioritize life. You're telling producers you get money from a man and you immediately go to Walmart for a shopping spree.

1:25:30Yeah. That's how you live instead of trying to further your life in any way whatsoever. I am furthering my life though But not in the way that you want Long term you want out But you're not gonna ever leave If that's how you live your life Debt to brother, why, how much How much debt to brother I've got like$500 For what I bet you f*** your brother too Uh uh it's nasty Nasty$500 just because I needed it from my phone bill My phone bill's$500 It's like$3.98 and I was behind. Switch to Helium, dude. $15 a line. Helium,$15 a line. You probably owe on your phone like a dumb... And more. You must owe on like an iPad, watch, earphones.

1:26:22Yeah. Yeah, I do owe on a couple different things. So that's my bad. You deserve the failure at this point then. Okay, so when did he do that? You said a couple months ago? Yeah. Do you have a payment plan with him? What's the expectation? Does he live at home? He lives in a trailer on the side of the home. Oh, this is a family of success. Yeah. Oh, my. My parents killed it. They absolutely killed it. They should have killed you in the womb.

1:26:59So, yeah, he's a musician. And you make bags. And we're just creative. We're just a creative little duo. Oh, you use the Gustav spending account. That's what we use for payroll here. I don't think anyone has taken this as an option. Because you can do like cash advance and shit. Which looks like is what you do, right? Mm-hmm. Mm-hmm.

1:27:36It's like I made the money, why not get it beforehand? That's not, again, just like anything. Because personally on CalebHemmer.com, we have like personal loans and debt forgiveness and credit cards and car insurance. I'm not opposed to the concept of any financial service other than like a payday loan or like credit one because it's fees for existing. I'm not opposed to the vast majority of anything else, including even this. But if you can't manage any of those correctly, then I'm dramatically opposed to it. I could use this. Let's pretend, I don't know, maybe I'm going on. I could do it for whatever I want to do because I know I could manage it and pay it back.

1:28:23You can't, so stop. Well, it's like when I need the money, I need the money. I'm being told you smoke weed. Is that true? Yeah. How much money do you spend on that a month? Probably around like 400. Okay. You need the money? There it is. Stop spending that much money. The world's biggest pothead in this office is Mark, who just literally gasps behind you. You made the biggest pothead of the office gasp. I get like half an ounce every week or so. Okay. Now he's questioning. Is it just more expensive over there? That's about right. Is that a lot? Is that a lot, Mark? It's a lot of weed. Oh, it's a lot of weed.

1:29:12It's like this in a jar, this big. That doesn't help me. I don't know what translates. I don't know. Your parents are okay with what you do for not living, going and writing old dick? Well, they don't know. You live there. They don't know how you get your... Okay, so what are you doing here? Let's see. Oh, bang, bang, vapors. Headhunters, more vape. Getting pops or energy drinks or whatever. Door dashing Taco Bell, not getting gas,$25. Pop. Door dashing subway. Pack a sack. That's a gas station. Well,$5, so you didn't get gas, probably. I did get gas. Probably got some... So, okay,$20 for Taco Bell, but great, okay.

1:29:55Tootin' Totem again. There it is. Getting some bop. Headhunters, getting some vapes. Afterpay,$100. I didn't even see your afterpay. Tootin' Totem. Headhunters, pull up your afterpay. Owl of Garden.

1:30:09Oh, and then that's paying back for the cash advance. Party Stop probably got some bullshit. And there's the cash advance, cash advance, cash advance. And we have an Apple Cash account. Negative almost every month last year. Jeez, f*** me

1:30:31This is your afterpay You owe$65 With$7.50 A payment I didn't even get a statement for this Freak You have an overdue payment You owe$65 That's$7 to pay. It's for Walmart. You are just such a... Let me look at your Amazon. Do you buy anything on Amazon? Yeah. Let me see your Amazon. Oh, you pay for Lincoln Bio,$6.50. Apple Bill, Apple Bill. Getting some drinks and bullshit. Walgreens,$51. That has to be morning after. That's the morning after. What is it? Walgreens,$51. Oh, no, that was just makeup. Skincare. You suck. DoorDash and the Gabbana. paying for X premium getting some bullshit payment out payment out payment out payment out I don't even know what you just want to see what I've ordered yes door dash chick-fil-a bullshit payment out payment out I don't even know where that shit's going bullshit bullshit pop pop Amazon

1:31:42oh it says fake jewelry makeup forever lash extensions there's the sex machine oh my gosh for men and women well I guess See how there's bottoms out there, Brandon? No, because they have pocket pussy attachments. Don't tell me that. I do. I can't become demotivated in a sense. I need that. I need to need to go hunt. I can't. Do not. If we take that away from men, we will literally do nothing but stay inside. No, it gets real technical. Like real technical for men. This is insane. Let's get your budget.

1:32:23By the way, I'm not against sex toys. I'm not against sex. I don't like charging for it because it's degrading and get you in dangerous situations. It's not good for your life when it's permanent footprint. And if you're addicted to sex toys, just like anything, then it'd be bad. It's like porn and stuff, man. Okay, income,$2 ,000, I guess. Hopefully you get this job. Debt payments,$7.50. Not crazy. So do you owe anything to rent while living there? Uh-uh. Anything utilities will live in there. Internet. Okay, food. You say you pay for all that, right? $300. You're meal prepping, meal planning.

1:33:03Am I? Oh, my f***ing yes, or else there's nothing here. Oh, yeah. So$300, TP fund, anything else you need to survive, tampons, makeup, all the good stuff, $150. Yes. Yeah, you cut. You f***ing cut. Phone bill. Let's look and see exactly how much it is. I just need you to get rid of them and switch to helium, man. I really do. It's crazy. You're past due like 548 on your phone bill right now? I'm past due 180. Okay, what's your phone bill?

1:33:39Brother. Really? Come on! I think it's like 398.

1:33:48Medical healthcare, you got co-pays on a monthly basis? I pay for, what is it? The, oh shit, what's it called? When you go to GoodRx. How much? A month? It's 10. Okay, subscriptions. I'll try to give you like 40 bucks. You have some. You have any pets? Mm-mm.

1:34:13Oh, car insurance. How much? I don't pay for my car insurance because my dad pays for it. Do you have a car payment? Mm-mm. What's your car? It's a 1997 4Runner. Not going to survive very long. What's the gas monthly basis? It's like 50. What? Okay.

1:34:35How many miles on that thing? I've had that car since I was 16. I'm sure. How many miles on that thing? We are 50 ,000 away from 300 ,000. How many times have you been pregnant in your life? Zero. Okay. You have 1 ,000 left over practically. Let's call it 900. pay off your family start settling these collections and you can get out of these collections and literally with the 900 you're done in like two months three months what are we even doing stop with the bullshit with the uh and with the uh for money and with the bank in bags go get yourself a job stay there up your qualifications start a career first month last month get a fully emergency fund move out and live your life this is pathetic all right i gotta save this man i'm gonna call him in the post show and let him know what the she did it's gonna be crazy it's gonna be insane it's gonna be a one but let's get the hammer financial score first spending in a budget you overspent you spent that this episode is brought to you by google chrome you think you know a browser but gemini and chrome that's new it can help you with practically anything on the web like restoring a vintage motorcycle from a 50-page restoration block or finally break down that long article you've had open for weeks.

1:35:53Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18+. Thousands, 0 out of 10. Debt, you have collections, 0 out of 10. Emergency fund, nothing saved, 0 out of 10. Retirement, nothing, 0 out of 10. Real estate, nothing, 0 out of 10. Get shoes at CalebHammer.com. She thought she was the 2, she's the 0. See where you are for free at CalebHammer.com. Now join us for Hammer Elite, the post show in extra 20 minutes, three premium incredible shows every single day, six days a week.

1:36:23You can join on YouTube by clicking the join button or clicking that link or by going to hammerelite.com or downloading the Hammer Elite app. I'll see you guys there. She totally lied to me. She did not delete these messages. I'm going to go through them now. So I was simping. Oh, I see why he's not answering because she's spamming him and never responding. But he texted me that he wanted to hang out not that long ago. So I was confused. Hi. Even though you guys hooked up last month, she had unprotected sex with. I just launched the brand new Hammer Elite app available on every major platform.

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