Septum Piercing Freak Makes Financial Audit History

*FREE BONUS EPISODES* - I am personally paying for your Hammer *ELITE* subscription for the first month https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post show, IT'S EVEN WORST THAN WE THOUGHT- I make him call his parents, and things go off the rails... Submit proof of purchase at https://hammerelite.com for reimbursement. *MAJOR ANNOUNCEMENT* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ plus you get the cookbook signed by me when you join! Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Build credit fast and get 80% off the first month or $1 for the first month at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! Want an inside look at my investment portfolio? Follow me on Blossom Social to see how it’s broken down! 📊💰👉 https://blossomsocialapp.page.link/calebhammer Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ *The best budgeting program online: https://calebhammer.com/budget Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 3.5% IRA Match, 12-month Wall Street Journal subscription, and 30 days of Webull Premium. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

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• 0:56Speaker 00

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• 1:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You've been living at home for two [bleep] years? And you still spend [bleep] more than you make? What is wrong with you?

• 1:08Speaker 02

  I'm being positive about it.

• 1:10Caleb Hammer?

  You have a $3,000... Shut the... You have a $3,000 over draft balance.

• 1:15Speaker 02

  I'm just a girl.

• 1:16Caleb Hammer?

  That is not cute. You're gonna piss me off and I'm gonna kick you the [bleep] off. Septum piercing, obnoxious mother [bleep]. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase at hammerelite.com. After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

• 1:52Speaker 02

  Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles and this is Financial Audit.

• 1:58Caleb Hammer?

  Septum piercing, once a week at this point, huh?

• 2:01Speaker 02

  Yes.

• 2:01Caleb Hammer?

  Okay, I'm glad you answered yes. Are you in the casting department here? Okay, so thanks for coming in from LA. I know that you're flying in and out the same day. We really do appreciate it. What do you do for a living there? It's expensive city. We all know that.

• 2:16Speaker 02

  I am a budtender.

• 2:18Caleb Hammer?

  Bud?

• 2:19Speaker 02

  Yes.

• 2:20Caleb Hammer?

  Bud, okay, so now, okay, not speaking incorrect.

• 2:24Speaker 02

  Cannabis.

• 2:25Caleb Hammer?

  You're at the counter? Are you at the counter?

• 2:28Speaker 02

  Mm-hmm.

• 2:29Caleb Hammer?

  Is that it? You're just at the counter? You're a counter person?

• 2:31Speaker 02

  Yes, cashier.

• 2:33Caleb Hammer?

  Okay, yeah, what are you paid?

• 2:35Speaker 02

  Eighteen an hour.

• 2:36Caleb Hammer?

  That's a cashier in LA. Okay, yeah, it sounds like much more than it actually is.

• 2:42Speaker 02

  Yeah, but tips, I know, I guess the tips always help. I think every month I get at least 1,300 extra cash. And then we also get debit tips.

• 2:52Caleb Hammer?

  Yeah.

• 2:52Speaker 02

  Debit tips, I haven't like counted how much I get monthly, but...

• 2:57Caleb Hammer?

  Do you know what hits your account per month?

• 2:59Speaker 02

  It enters my account.

• 3:01Caleb Hammer?

  What hits your account per month?

• 3:03Speaker 02

  A month?

• 3:04Caleb Hammer?

  A month?

• 3:05Speaker 02

  With the cash and everything.

• 3:07Caleb Hammer?

  Sure, total, let's go total.

• 3:09Speaker 02

  Like four to five K.

• 3:11Caleb Hammer?

  Okay, again, it is a more expensive city. We'll say 4,500, so nat 54,000 hours a year. You know, there's definitely some situations where we can make that stretch for sure. Roommates situation, okay, okay, okay. So why are we here? What's going on with you? That ain't, that ain't bad.

• 3:29Speaker 02

  Well, I have a lot of debt.

• 3:33Caleb Hammer?

  Yeah. Why?

• 3:36Speaker 02

  When I went to college, I moved out.

• 3:40Caleb Hammer?

  These are just student loans, lady.

• 3:41Speaker 02

  I know they're not student loans, but it started...

• 3:44Caleb Hammer?

  You went to college, when did you finish college?

• 3:47Speaker 02

  When? Three years ago.

• 3:48Caleb Hammer?

  Okay, so what's going on then? Why, why, why are you still like, well, when I went to college, three years ago?

• 3:54Speaker 02

  So it's debt, that's three years, and I guess I've been avoiding it until recently.

• 3:59Caleb Hammer?

  Why?

• 4:00Speaker 02

  Because I was scared to see the number.

• 4:02Caleb Hammer?

  That doesn't fix anything? Okay.

• 4:07Caleb Hammer?

  He was telling me you haven't gone into debt at all these last three years.

• 4:11Speaker 02

  No, I mean, it stayed the same. Like, I guess that debt when I started, am I making sense?

• 4:16Caleb Hammer?

  You're making sense. I don't know if I believe it, but you're making sense.

• 4:20Speaker 02

  Okay.

• 4:22Speaker 03

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• 4:54Speaker 02

  So when I went to school, I moved out and then when I moved out.

• 4:58Caleb Hammer?

  Oh, you moved out to go to college? That's crazy. Okay.

• 5:01Speaker 02

  Yeah, my aunt was renting out her home, so I wanted to have that whole experience. I almost, um, sorry, I'm gonna go. I almost moved out, oh, dorm at my college, but that was gonna be expensive, sharing, what, one dorm room with like three, two other girls. I didn't want to do that, so I moved in with my aunt, not with her, but it was me, my cousin, and then two of my friends. I paid a thousand a month.

• 5:25Caleb Hammer?

  This is at the top of your head, the top of your nose.

• 5:28Speaker 02

  It's a scar.

• 5:29Caleb Hammer?

  Oh, that sucks.

• 5:32Caleb Hammer?

  Keep going.

• 5:33Speaker 02

  And that's how I got into debt. I guess I got grants. I thought that money was gonna come all the time, but then it stopped.

• 5:44Caleb Hammer?

  Yeah, okay, you're spending a thousand dollars more than you bring in, so I don't, shut the [__] up. Like, that is not your issue. Obviously, it's been more since college. And this is, again, I said I didn't trust you. Well, now the numbers have confirmed. So you're spending a thousand more than you make on a monthly basis.

• 5:58Speaker 02

  Yeah.

• 5:59Caleb Hammer?

  Also, no, five thousand four hundred, or.

• 6:02Speaker 02

  Was it right?

• 6:03Caleb Hammer?

  Sorry, sorry, sorry, sorry. You had a little more than four thousand five hundred. You had basically five thousand, actually very close to it, and you spent basically five thousand seven hundred.

• 6:12Speaker 02

  I spent that much?

• 6:14Caleb Hammer?

  Yes. Five thousand nine hundred came in, five thousand seven hundred went out. Four thousand nine hundred came in, five thousand seven hundred went out.

• 6:24Speaker 02

  Oh, wow. See, I didn't know that.

• 6:25Caleb Hammer?

  Oh, wow. I, oh, yeah, or else. You wouldn't have just blamed on what was happening five, six, seven years ago.

• 6:33Speaker 02

  Yeah.

• 6:34Caleb Hammer?

  When you go to school.

• 6:35Speaker 02

  Huh?

• 6:35Caleb Hammer?

  When did you leave house to go to school this crazy thing?

• 6:40Speaker 02

  Twenty.

• 6:40Caleb Hammer?

  You're how old are you? How old are you?

• 6:42Speaker 02

  Thirty. Oh, how old was I?

• 6:45Caleb Hammer?

  Yes.

• 6:46Speaker 02

  Twenty seven?

• 6:49Caleb Hammer?

  What were you doing before then?

• 6:51Speaker 02

  When I was.

• 6:52Caleb Hammer?

  What have you been doing with your life?

• 6:54Speaker 02

  What do you mean? Going to school.

• 6:57Caleb Hammer?

  You just said you went and moved out for school at twenty seven.

• 7:01Speaker 02

  Well.

• 7:01Caleb Hammer?

  The fuck are you talking about? And now you again, now you're just a cashier. So like, what are you even doing? So you went to community college for a decade?

• 7:09Speaker 02

  No, for two years.

• 7:11Caleb Hammer?

  Okay, so what were you doing from eighteen to twenty five?

• 7:14Speaker 02

  Just working.

• 7:15Caleb Hammer?

  Doing?

• 7:16Speaker 02

  Random cashier jobs, I guess. Cause I was like retail clothes, food.

• 7:23Caleb Hammer?

  Okay, so six years of cashiering.

• 7:26Speaker 02

  Yeah.

• 7:27Caleb Hammer?

  And you go to school for multiple years.

• 7:29Speaker 02

  Four.

• 7:30Caleb Hammer?

  That is multiple.

• 7:31Speaker 02

  Yeah. That's not a lot. It's like the basic.

• 7:34Caleb Hammer?

  It's fine, but you went to school. Now I'm not criticizing how long you're in school.

• 7:38Speaker 02

  Okay, okay.

• 7:39Caleb Hammer?

  You cashiered for six years. You went to school for four years.

• 7:42Speaker 02

  Hmm.

• 7:42Caleb Hammer?

  And now we're a cashier again?

• 7:43Speaker 02

  Yes.

• 7:44Caleb Hammer?

  The fuck are we doing with our life?

• 7:46Speaker 02

  I wanna pay my debt off.

• 7:49Caleb Hammer?

  Okay, so.

• 7:50Speaker 02

  Cause I feel like.

• 7:50Caleb Hammer?

  Job was your degree.

• 7:52Speaker 02

  But even with my job with my degree, I feel pays the same. Like even working at schools.

• 7:57Caleb Hammer?

  What job would you have?

• 7:59Speaker 02

  Like a sub, the sub.

• 8:00Caleb Hammer?

  Substitute teacher?

• 8:02Speaker 02

  Yeah. If I get my credentials.

• 8:04Caleb Hammer?

  That your degree was not in substitute teaching?

• 8:06Speaker 02

  I know. My degree was in Chicano Studies and I got a minor in film.

• 8:10Caleb Hammer?

  What?

• 8:11Speaker 02

  Chicano Studies.

• 8:14Caleb Hammer?

  Hold on, I'm real white.

• 8:15Speaker 02

  Are you judging me?

• 8:16Caleb Hammer?

  Nope, I'm, I'm, I'm white. Very, very white. I am realizing now. Uh, so I'm Chicano.

• 8:23Speaker 02

  Yes.

• 8:24Caleb Hammer?

  Is definitely not chicken. I do know that.

• 8:29Caleb Hammer?

  Okay, I don't know what Chicano is.

• 8:31Speaker 02

  Really? What?

• 8:32Caleb Hammer?

  I'm from Michigan. I saw one Mexican in my entire life until I moved to Texas. Please tell me.

• 8:37Speaker 02

  What? You need to go to LA. Chicano, it's a culture, Mexican-American.

• 8:42Caleb Hammer?

  And you got a degree in that?

• 8:44Speaker 02

  Yes.

• 8:46Caleb Hammer?

  On purpose?

• 8:47Speaker 02

  Kind of. I wanted to connect. Yeah, I wanted to connect to my roots and...

• 8:53Caleb Hammer?

  Cool. Go to the seminar, go to a cultural landmark, or read a book, and then don't get a degree that is gonna determine the careers you're going into right outside of college that you're then gonna likely build for the rest of your life, cuz you're not getting a job in Mexican-American Studies.

• 9:13Speaker 02

  But I could go back to school.

• 9:17Caleb Hammer?

  So, to be clear.

• 9:19Speaker 02

  Yes.

• 9:19Caleb Hammer?

  Yeah?

• 9:20Speaker 02

  Yes.

• 9:21Caleb Hammer?

  What are you laughing about?

• 9:22Speaker 02

  I'm just laughing.

• 9:23Caleb Hammer?

  Why?

• 9:24Speaker 02

  Cuz...

• 9:25Caleb Hammer?

  Cuz what?

• 9:26Speaker 02

  You're making me laugh.

• 9:27Caleb Hammer?

  Why?

• 9:28Speaker 02

  Cuz it's funny!

• 9:29Caleb Hammer?

  What's funny?

• 9:30Speaker 02

  That's how I cope.

• 9:31Caleb Hammer?

  So, to be clear, we go and get a four-year degree so we can go get a four-year degree? That's, that's how?

• 9:38Speaker 02

  Kind of. I think I did that on purpose to make my family happy.

• 9:42Caleb Hammer?

  You went and got a four-year degree so that you could go and get a four-year degree after that?

• 9:47Speaker 02

  Yeah. What a thought. I don't know yet. My, my goal after college was to pay my debt off, so I think that's why I'm focused on that.

• 9:55Caleb Hammer?

  Which is why we spend more money than we bring in on a monthly basis. What the?

• 9:58Speaker 02

  Yes, cuz I didn't notice. Cuz I was avoiding it until now.

• 10:02Caleb Hammer?

  No, you've been out of school for three years. You said your goal after school is to pay your debt off. That's a lie. That's a lie. That, I mean, like, what are you talking about? That is objectively incorrect. You did not do this for the last three years to pay your debt off. That is not your goal. That has not been your goal. And now we went to, and went to school starting late, and that's fine, but you went to school so you could go to school again? Like, that doesn't make any sense. What's this next degree we'd be collecting in our infinite collection of degrees and never doing anything in life? Okay, will it be anything productive, or is it gonna be something stupid again?

• 10:36Speaker 02

  Yeah, I mean, I guess that's what I'm trying to figure out.

• 10:38Caleb Hammer?

  Are we gonna, should we get a Chinese-American Culture Studies?

• 10:42Speaker 02

  No. I did Ethnic Studies in my community college, so I did learn other histories.

• 10:49Caleb Hammer?

  What a career field.

• 10:51Speaker 02

  But I just don't know my next move now from, I guess, my degree.

• 10:55Caleb Hammer?

  Uh, maybe something that has jobs.

• 10:59Speaker 02

  Related to it. I know.

• 11:01Caleb Hammer?

  I'm sure you can go and get a doctorate and become a teacher of the studies so we can convince more people to go waste their time on a useless degree.

• 11:15Speaker 02

  I mean, it's not useless.

• 11:17Caleb Hammer?

  Yes.

• 11:17Speaker 02

  I mean, for me, I guess, right now.

• 11:19Caleb Hammer?

  No, a degree is to get a job. A degree is for a career field.

• 11:24Speaker 02

  Yeah.

• 11:25Caleb Hammer?

  You can read a book. You can go to museums to get what you were trying to get, cultural enrichment. I'm not opposed to cultural enrichment. You can go without spending the four years in the degree that you are going to use on your resume to try to get your first job outside of college.

• 11:41Speaker 02

  Yeah.

• 11:41Caleb Hammer?

  You can read a book instead of going tens of thousands of dollars into debt.

• 11:45Speaker 02

  Yeah.

• 11:46Caleb Hammer?

  You can read a book instead of moving out of home. Cultural enrichment is not bad.

• 11:50Speaker 02

  Yeah.

• 11:51Caleb Hammer?

  Wasting your time, money, and the degree you got on something that is a worthless piece of paper in today's job market, if we're being completely candid. Yeah, fuck you.

• 12:04Speaker 02

  Some of them, like, there's some jobs that are good for that.

• 12:08Caleb Hammer?

  Tell.

• 12:08Speaker 02

  But I just don't.

• 12:09Caleb Hammer?

  Tell. Please.

• 12:11Speaker 02

  There's nonprofits, there's.

• 12:13Caleb Hammer?

  And so what's the job? What's the job?

• 12:16Speaker 02

  I don't know. I didn't apply to any of them.

• 12:18Caleb Hammer?

  You can't even tell me what the job in the career field is?

• 12:21Speaker 02

  Well, there's multiple.

• 12:22Caleb Hammer?

  There's nonprofits that I can get in and make videos. I like, I don't know.

• 12:26Speaker 02

  Yeah, but I don't have skills like that.

• 12:28Caleb Hammer?

  No, I'm saying you can get, like, what the fuck are you talking about? Oh, what is LA? What is LA?

• 12:38Caleb Hammer?

  Um, no, I'm saying, like, I can go name a job that I could go get in nonprofit. Just because it's a nonprofit doesn't mean your job exists somewhere.

• 12:49Speaker 02

  If it's like a Mexican-American nonprofit.

• 12:51Caleb Hammer?

  Mexican-American nonprofit doing what? What's your job?

• 12:56Speaker 02

  I don't know. I only know the job that I have personally.

• 13:00Caleb Hammer?

  Which does not require a degree and definitely not that degree.

• 13:03Speaker 02

  Yeah. It's true.

• 13:06Caleb Hammer?

  So you're wasting your life, you have nothing going for you and you've done nothing and you're thirty.

• 13:12Speaker 02

  That's not true.

• 13:14Caleb Hammer?

  You're right. You haven't done nothing. You've accumulated forty-six thousand, two hundred and twenty dollars and four cents of debt.

• 13:18Speaker 02

  But that's not a lot. Like other people.

• 13:21Caleb Hammer?

  You talking about? Like other people?

• 13:23Speaker 02

  Yes.

• 13:24Caleb Hammer?

  Doesn't matter. I'm so over this.

• 13:26Speaker 02

  Up. That's why I'm here.

• 13:29Caleb Hammer?

  For a long time. That's what, oh my gosh, you're hitting every catchphrase.

• 13:33Speaker 02

  I messed up, okay? I did. I was uneducated how I took out the loans, the subsidized loans. I didn't know I can press buttons off and then I got it.

• 13:46Caleb Hammer?

  Student loans is eight thousand of those, like.

• 13:48Speaker 02

  I know, but there's.

• 13:49Caleb Hammer?

  Go die. Like, that's, your student loans are not what the this conversation is about.

• 13:55Speaker 02

  What?

• 13:55Caleb Hammer?

  What? I said this student loans are not what this conversation is about, lady.

• 14:00Speaker 02

  Okay. Then what is it about?

• 14:02Caleb Hammer?

  The rest!

• 14:04Speaker 02

  Which is what?

• 14:05Caleb Hammer?

  And you having done nothing productive with your life.

• 14:08Speaker 02

  What do you mean I have? I work. That's productive.

• 14:10Caleb Hammer?

  Listen, and we need service-based jobs. Don't get me wrong, but you went and spent your time and money on a degree that you aren't even considering using because you don't even know what a job with that degree would be. You can't name one job.

• 14:23Speaker 02

  But AK's not bad.

• 14:24Caleb Hammer?

  One job.

• 14:26Speaker 02

  But AK's not bad. For a UCLA degree.

• 14:29Caleb Hammer?

  Sure, okay.

• 14:31Speaker 02

  I think we should talk about the other stuff.

• 14:34Caleb Hammer?

  Your debt would be better if it was majority student loans, however.

• 14:38Speaker 02

  What?

• 14:38Caleb Hammer?

  Thirty.

• 14:39Speaker 02

  Why?

• 14:40Caleb Hammer?

  Because student loans are typically lower interest when they're federal loans. When they're federal loans, there are more ways out of them, except bankruptcy. But there are more ways to potentially get them forgiven. If you went to a scam institution, you can put them on pause, income-driven. You know, if you get laid off, there's lots of help.

• 14:58Speaker 02

  Yeah.

• 14:59Caleb Hammer?

  Not with the Nordstrom card!

• 15:03Caleb Hammer?

  So yes, I wish they were mostly student loans. And yes, forty-eight thousand dollars of debt is bad. What the f*** are you talking about? It's not that bad. I'm not gonna let you walk away with that, forty-six thousand. What, what, how, can you please define? How that's that bad?

• 15:20Speaker 02

  Well, it's payable. I don't need to file for bankruptcy.

• 15:26Caleb Hammer?

  What?

• 15:27Speaker 02

  I could probably try and pay it off in like, three years.

• 15:30Caleb Hammer?

  Tell me your strategy. What are you getting into there?

• 15:33Speaker 02

  Um. Not buy stuff, not spend money on buying things like clothes.

• 15:41Speaker 02

  I'm a girl, I like fashion.

• 15:42Caleb Hammer?

  That's your strategy?

• 15:43Speaker 02

  Yes.

• 15:43Caleb Hammer?

  Is, I just don't buy clothes?

• 15:45Speaker 02

  Yes, or tattoos.

• 15:47Caleb Hammer?

  Yeah, you have some tattoos.

• 15:49Speaker 02

  Yeah.

• 15:50Caleb Hammer?

  You probably stop.

• 15:52Speaker 02

  They're expensive.

• 15:55Speaker 02

  Don't you spend money on clothes?

• 15:57Caleb Hammer?

  Here and there, but also, I can afford it, it's in my budget, I don't have bad debt to pay off. I don't know what you're complaining about. How much were those glasses?

• 16:06Speaker 02

  Three hundred.

• 16:07Caleb Hammer?

  So what are you doing then? Because you haven't done a single f***ing thing.

• 16:12Speaker 02

  You don't think so?

• 16:14Caleb Hammer?

  To pay off debt, you haven't done anything.

• 16:17Speaker 02

  I mean, I've been paying them on time.

• 16:19Caleb Hammer?

  Well, we will actually see about that, because most people say that, and then they don't.

• 16:24Speaker 02

  I do pay mine on time.

• 16:25Caleb Hammer?

  I hope so, we will find out.

• 16:28Speaker 02

  It feels like I'm not even paying it, because the interest rate's high. From the Nordstrom's card and the other card.

• 16:34Caleb Hammer?

  Since you're such an expert, and you spend all the time and all the money on the Chicano degree, I've brought in my local, half-Mexican, and equal tattoo degenerate.

• 16:47Caleb Hammer?

  Brandon, welcome, Brandon, everybody, you know him from Hammer Elite. Uh, he has a quiz for you, and we wanna see if you're actually an expert in Chiquino.

• 16:57Speaker 04

  With the last name Cavazos, I do feel like I'm able to give this test out appropriately. First question, who was the leader of the United Farm Workers and a central figure in the Chicano labor movement?

• 17:09Speaker 02

  Cesar Chavez?

• 17:10Speaker 04

  That's correct. Number two. What was the name of the nineteen sixty-nine plan called for Chicano self-determination and cultural pride?

• 17:24Speaker 02

  Wait, what? What's the question again?

• 17:27Speaker 04

  You got the degree, not me, bro.

• 17:29Caleb Hammer?

  Come on.

• 17:30Speaker 04

  What was the name of the 1969 plan that called for Chicano self-determination and cultural pride?

• 17:38Speaker 02

  Is it the Zoot Zoots?

• 17:40Speaker 04

  You're wrong. You're wrong. We'll get there later. What 1972 novel by Rodolfo Anaya is considered a foundational text in Chicano literature?

• 17:51Speaker 02

  Hmm.

• 17:52Caleb Hammer?

  Oh, you're so bad at this. Why? You're never gonna get a job in this. You don't even know what job exists in this. Come on, this is, this is pure Chicano. Okay, one out of three so far.

• 18:02Speaker 02

  Been three years.

• 18:03Speaker 04

  What is the most popular lowrider car?

• 18:07Speaker 02

  Popular lowrider car?

• 18:09Speaker 04

  Yep.

• 18:09Speaker 02

  I feel like there's many. Impala?

• 18:12Caleb Hammer?

  Popular.

• 18:12Speaker 04

  The Impala.

• 18:13Caleb Hammer?

  Oh, correct. Chiquito comeback, Chiquito comeback, they call it. Usually Chiquitos have come on their back.

• 18:19Speaker 02

  I should buy an Impala.

• 18:21Speaker 04

  What year was the Chalupa invented?

• 18:24Speaker 02

  The Chalupas?

• 18:25Speaker 04

  Mm-hmm.

• 18:27Speaker 02

  1998.

• 18:31Speaker 04

  You're wrong, once again.

• 18:33Caleb Hammer?

  And one year later, very close.

• 18:34Speaker 04

  Very close. That degree's almost going for nothing. And what beloved Chicano actor is known for his love of tacos and donuts?

• 18:43Speaker 02

  Chicano actor that loves donuts and tacos? Is it Danny Trefo?

• 18:48Speaker 04

  It is. It is. Look at that.

• 18:52Caleb Hammer?

  Alright.

• 18:52Speaker 04

  You got a 30 in college.

• 18:53Speaker 02

  Is that 50 out of 50?

• 18:58Caleb Hammer?

  Yeah, they don't teach math in Chicano?

• 19:00Speaker 04

  Not a math major.

• 19:00Caleb Hammer?

  Alright, everyone say bye to Brendan.

• 19:02Speaker 04

  Bye.

• 19:02Speaker 02

  Bye.

• 19:05Caleb Hammer?

  Okay, you're kind of a Chicano. You're like 60% of the way there. Proud of you. So, you say your main goal is to pay off the debt, and that's what you've wanted to do, and that's why you haven't gone into the career field, all that stuff, okay. So what is your strategy of budgeting? Tell me of the your budget.

• 19:25Speaker 02

  I am living with my parents and I'm not shopping online anymore.

• 19:33Speaker 02

  That's

• 19:34Caleb Hammer?

  That's budgeting?

• 19:35Speaker 02

  Yes.

• 19:36Caleb Hammer?

  Living with parents can be a good thing. Depending, I mean, you kind of move back in, uh, what, at thirty?

• 19:42Speaker 02

  No, I moved back then, I think at twenty eight.

• 19:45Caleb Hammer?

  You've been there for two years?

• 19:46Speaker 02

  Mm hmm.

• 19:46Caleb Hammer?

  How long are you gonna be there?

• 19:47Speaker 02

  I don't know, I kind of want to stay.

• 19:49Caleb Hammer?

  Why? You don't want independence?

• 19:51Speaker 02

  I did have that, but.

• 19:53Caleb Hammer?

  What, dating?

• 19:54Speaker 02

  I am dating.

• 19:55Caleb Hammer?

  You have a boyfriend?

• 19:57Speaker 02

  Yeah.

• 19:57Caleb Hammer?

  And you live at home? And he's okay?

• 20:00Speaker 02

  Yeah, cuz, well.

• 20:02Caleb Hammer?

  Also, it does mean.

• 20:02Speaker 02

  I have a relation, I, my, ah, uh.

• 20:07Speaker 02

  You caught me off guard, sorry.

• 20:09Caleb Hammer?

  And he has his own place?

• 20:10Speaker 02

  No, he lives with his parents.

• 20:12Caleb Hammer?

  Okay, and how old is he?

• 20:14Speaker 02

  Twenty nine.

• 20:15Caleb Hammer?

  Okay, I see the people I'm dealing with here. You tend to find more replicas of yourself out there, don't you, ladies and gentlemen?

• 20:23Speaker 02

  I think so. But I think for myself, when, in my twenties, I was always out, but now my parents are getting older and I kind of find it healing to be with them.

• 20:37Caleb Hammer?

  Sure, sure, and I, I don't have anything wrong with people living at home, lots of other cultures live at home longer. But the fact is, in our culture and things like that, and when it comes to independence and building a relationship, maybe even building a future family, whatever it is, how long have you guys been dating?

• 20:49Speaker 02

  A year, in like, seven months or something.

• 20:52Caleb Hammer?

  A year and seven months, so we're talking usually, you know, pretty close to moving in maybe, or even getting engaged at that point. Okay.

• 20:59Speaker 02

  I am scared of moving in. I've, I've had that experience.

• 21:03Caleb Hammer?

  Mommy and daddy, basically, our whole life.

• 21:05Speaker 02

  Before, that's why I don't want to live with.

• 21:07Caleb Hammer?

  That sounds like it was a bad relationship, doesn't mean this was, doesn't mean. If you're considering this a potentially bad relationship, don't be in it.

• 21:14Speaker 02

  One.

• 21:14Caleb Hammer?

  Then you should be able to move in together.

• 21:17Speaker 02

  Yeah, but look, all my stuff, I can't move out.

• 21:20Caleb Hammer?

  But, no, no, what I'm trying to say is, you living at home isn't necessarily a bad thing, but the staying at home forever thing, there is personal growth that happens, especially in our culture with a little bit more independence.

• 21:31Speaker 02

  Yeah.

• 21:32Caleb Hammer?

  And I'm nervous that you're not getting.

• 21:34Speaker 02

  But when I got independence, I spent my money cuz I wasn't financially.

• 21:38Caleb Hammer?

  Because you're immature. What, you think living at home with your parents is the only reason you're mature?

• 21:42Speaker 02

  No.

• 21:44Caleb Hammer?

  Then what?

• 21:46Speaker 02

  What makes me immature?

• 21:47Speaker 00

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• 22:19Caleb Hammer?

  You just said you living not at home.

• 22:23Speaker 02

  Uh huh.

• 22:24Caleb Hammer?

  Made you go crazy. Spending all your money. So you're only mature because you live at home.

• 22:29Speaker 02

  Well.

• 22:30Caleb Hammer?

  I wouldn't say you're.

• 22:30Speaker 02

  I feel like I'm not spending.

• 22:32Caleb Hammer?

  Wait! You've been living at home for four, for two.

• 22:35Speaker 02

  Two years.

• 22:36Caleb Hammer?

  Hey, you've been living at home for two years? And you still spend a thousand hours more than you make? What, what is wrong with you? How are you spending more than you bring in? You're laughing about it, you think that's cute? You think that's cute?

• 22:46Speaker 02

  No.

• 22:47Caleb Hammer?

  Yeah, let us see more of those fake, like the generous ass sparkles on your teeth.

• 22:51Speaker 02

  Why?

• 22:52Caleb Hammer?

  Keep laughing.

• 22:54Speaker 02

  No, no, because you told me to laugh, I'm not gonna laugh.

• 22:57Caleb Hammer?

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• 23:41Caleb Hammer?

  just by making on-time payments. You sign up in minutes, put it on auto pay, and let Kickoff quietly do the work while you live your life. Start building credit with Kickoff today, and you can get your first month as little as one dollar. That is 80% off the normal price when you go to getkikoff.com/caleb or scan the QR code on screen. That is kickoff without the C. Get K I K O F F dot com slash Caleb. And how much were those? Those like little middle school things?

• 24:07Speaker 02

  These are actually free because I won a contest.

• 24:10Caleb Hammer?

  Great, and now you look like a middle schooler. Okay.

• 24:13Speaker 02

  I'm healing my inner child.

• 24:15Caleb Hammer?

  Yeah, that's what you need is to be more childlike. That's what you need. Useless degree, still has a home. Boyfriend still lives at home.

• 24:25Speaker 02

  Well, if you didn't live at home.

• 24:27Caleb Hammer?

  More like a child. This is gonna go great for you.

• 24:32Speaker 02

  I'm trying to figure it out.

• 24:35Caleb Hammer?

  How? What are you doing to try to figure it out? It's been two years, you spent a thousand more than you made. If you're gonna say that, tell me what you're doing to try to figure it out.

• 24:44Speaker 02

  Hmm. Not spend that much.

• 24:49Speaker 02

  Spend less. I don't know, maybe start a clothing brand.

• 24:52Caleb Hammer?

  Nothing to me. What's you keep talking about this clothes thing, buddy? You spent a thousand.

• 24:56Speaker 02

  I love clothes. I love fashion. It's my thing.

• 24:59Caleb Hammer?

  That's great.

• 24:59Speaker 02

  That's I'm like, why did I go to school for that? Why didn't I go to school for fashion?

• 25:03Caleb Hammer?

  Yeah, well, that would have been a better degree, even though it's still overly competitive degree. But it's so stupid what you did. Listen.

• 25:11Speaker 02

  I know.

• 25:12Caleb Hammer?

  This, you went out to eat five hundred hours. This thing is, it was almost eight hundred. It's not just clothes.

• 25:20Speaker 02

  It's food.

• 25:21Caleb Hammer?

  It's a part of it. You live at home, huh?

• 25:24Speaker 02

  Food is a lot. Cause on top of having my bedtending job, I also work with my friend and we do native gardening. So I also.

• 25:33Caleb Hammer?

  That takes time? How much time?

• 25:35Speaker 02

  Like a week or months?

• 25:37Caleb Hammer?

  A month. I don't know. A week. Sure.

• 25:39Speaker 02

  A week, maybe like we do sixteen hours.

• 25:42Caleb Hammer?

  And what do you make from that?

• 25:44Speaker 02

  She pays me thirty the hour.

• 25:45Caleb Hammer?

  Okay, so what's your account from that on a monthly basis?

• 25:48Speaker 02

  Um, what, four hundred? Hmm, maybe like five hundred, six hundred extra a month?

• 25:55Caleb Hammer?

  What the is this?

• 26:01Caleb Hammer?

  The is this? You live at home with your parents.

• 26:07Caleb Hammer?

  You have this credit line with the bank and it pulls from the credit line when you're overdrafting. And then you have to pay an additional 17.9% interest rate on it. You have a balance of 3,000! 3,000 on your overdraft balance? What is wrong with you? You're smirking. You think you're cute.

• 26:29Speaker 02

  No!

• 26:30Caleb Hammer?

  You're not. You're overlining your lipstick and it doesn't even look good.

• 26:33Speaker 02

  It's fine.

• 26:35Caleb Hammer?

  This is not cute!

• 26:37Speaker 02

  Okay.

• 26:39Caleb Hammer?

  You're just sitting there laughing like this is a joke!

• 26:42Speaker 02

  It's not a joke!

• 26:43Caleb Hammer?

  Hee-ha, hee-ha! You have a 3,000-

• 26:45Speaker 02

  I don't know!

• 26:46Caleb Hammer?

  Shut the f- You have a 3,000 hour overdraft balance?

• 26:49Speaker 02

  Yes.

• 26:50Caleb Hammer?

  What the f-

• 26:54Speaker 02

  I'm just a girl.

• 26:57Speaker 02

  I don't know, I-

• 26:58Caleb Hammer?

  Really?

• 26:59Speaker 02

  I'm not-

• 26:59Caleb Hammer?

  That's what you f-

• 27:00Speaker 02

  Financially literate, yes.

• 27:01Caleb Hammer?

  That's not financial literacy.

• 27:03Speaker 02

  I know, but I-

• 27:04Caleb Hammer?

  You're overdrafting into a loan. That's not financial literacy. No, we all know not to- No, no, no, no, no, no, no. If you-

• 27:10Speaker 02

  It's less.

• 27:11Caleb Hammer?

  If you get f- -hit by not having enough money in your checking account, we all know that is bad. That is not financially literacy. If you get penalized for not having enough money in your checking account, we all know not having enough money in checking account was bad. If you get penalized for not having enough money in checking account because you're spending all the time, we know that is bad! If a loan is going up, we know that is bad. That is not financial literacy. Everyone knows that. We f- -know that. If you know a debt goes up, that is bad. In fact, you're crying about $6,000 student loans? Phew, you know this is bad! It is $3,000! Then what the f- -are you doing?

• 27:43Speaker 02

  I just-

• 27:43Caleb Hammer?

  Why are you allowing yourself to overdraft? Huh?

• 27:46Speaker 02

  I'm being positive about it.

• 27:47Caleb Hammer?

  You shouldn't be. You can't be.

• 27:49Speaker 02

  You know-

• 27:49Caleb Hammer?

  You need to be realistic. Your manifesting is only going higher de- Yo- what the f- -are you talking about? Your debt is only going up. Your overdrafting's only going up because you can't stop spending! Like a f- -animal!

• 28:04Speaker 02

  It's minimal payment. It does it on its own. I haven't used overdraft.

• 28:07Caleb Hammer?

  You s- What? Yes, you did!

• 28:10Speaker 02

  When?

• 28:13Caleb Hammer?

  The first of last month. What is it? The first of last month. How much? It's a normal overdraft. So just another overdraft? On top of the overdraft? Yes, it gets added to your little overdraft alone account. Which I've never even seen before, by the way. Congratulations on making Financial Out of History of something so horrible and disgusting. That is not cute. You're gonna piss me off and I'm gonna kick you the f off. I'm gonna kick you the f off if you keep trying to be cute. You're not being cute. You're being an obnoxious f. Oh my god. Saying thanks? Saying thanks when I say you are very clearly bad and it is the first time I've ever seen it, that's something that bad? That is not cute. Stop trying to look cute. It's not funny.

• 28:57Caleb Hammer?

  No one's giving you high fives in the comments. Shut the f up. I know. What do you want me to do? Shut the f up!

• 29:08Caleb Hammer?

  Fine. Septum piercing, obnoxious mother f. You are not cute. You are not funny. You have a $3,000 overdraft alone. It is a joke. It is disgusting. You live at parents. You've done nothing. You're ever worthless degree. You have nothing going for you and yes, this is bad. Yes, this is bad. And I'm not gonna baby you and coddle you and let you think that this is just okay. This is not okay. This is the complete opposite of okay. It is disgusting and you should be ashamed. You should be embarrassed and you should be doing everything in your life to try to turn this around for the sake of your own f life. And the fact that you're not and you're not disgusted is embarrassing and sad. Why is it embarrassing? How the f? It's embarrassing.

• 29:54Caleb Hammer?

  Oh, guys. Oh, I don't wanna, I don't wanna have to crash that episode.

• 30:00Caleb Hammer?

  You don't feel embarrassed that you have an overdraft alone? Something that's never happened in this show and that you just say thanks when I say you've made history. A lot of people don't know about it. Or either they're being stoned, giving them. I have their f statements. Or they don't know. Filming four of these a week for three years, I have their statements. Well. They don't need to know about it. I know they don't, because then they probably would use it. Like I did. Dude, I don't even know what the f to do with you. I don't know, you're lost. Is this even worth my time?

• 30:31Speaker 02

  Yes.

• 30:32Caleb Hammer?

  Why?

• 30:33Speaker 02

  Because I wanna pay everything off. I wanna know what I...

• 30:37Caleb Hammer?

  Then why are you sitting there acting like you're cute and funny when you're not?

• 30:40Speaker 02

  What do you mean? I'm...

• 30:42Caleb Hammer?

  What do I mean?

• 30:43Speaker 02

  Being respectful.

• 30:45Caleb Hammer?

  You said... I'm not gonna go.

• 30:47Speaker 02

  What's wrong with saying thanks?

• 30:49Caleb Hammer?

  Come on, cuz you know what I was saying was objectively, you are in a bad place. You're saying thanks? That is gonna piss me the f*** off real quick.

• 30:57Speaker 02

  Okay, I'll take it back.

• 31:01Caleb Hammer?

  Yeah, no.

• 31:04Caleb Hammer?

  You and your boyfriend both, huh? You and your boyfriend both, both like this?

• 31:09Speaker 02

  No.

• 31:09Caleb Hammer?

  Yeah, you're gonna be the ones making kids somehow.

• 31:11Speaker 02

  No. No kids for me, thanks.

• 31:13Caleb Hammer?

  Uh, trust me.

• 31:14Speaker 02

  Yeah.

• 31:15Caleb Hammer?

  You'll f***ing accidentally.

• 31:16Speaker 02

  No. Thank you. Nope. Don't say that.

• 31:21Caleb Hammer?

  And how are his finances?

• 31:22Speaker 02

  What?

• 31:23Caleb Hammer?

  How are his finances?

• 31:24Speaker 02

  They're fine.

• 31:26Caleb Hammer?

  Doubt it.

• 31:27Speaker 02

  No, they are.

• 31:27Caleb Hammer?

  You think you're not that bad? Yeah. What do you think your financial score is, zero to 10? Zero being the worst, 10 being the best?

• 31:37Speaker 02

  Like a three.

• 31:38Caleb Hammer?

  Chikino studies, no one ever f*** do it, and they all become morons. You are the, uh...

• 31:45Speaker 02

  Is it a three?

• 31:47Caleb Hammer?

  I'll calculate it at the end. I don't know your finances, okay? Jakeender tell me to look at that account. I don't know, I go in blind with the audience.

• 31:55Speaker 02

  Oh, okay.

• 31:56Caleb Hammer?

  Sake, dude. If you want your financial score, go to CalebHarrow.com or click that link in the description below. It's a free assessment, and you can see where you stand in the world of finances. And if you don't wanna end up like a guest on the show, make sure you download our app, the Dollar Wise Budgeting app. Take your free trial. Sign up for the annual version, I'll send you our cookbook, sign and mail directly to your door. And if you wanna take all of our educational programs, join Dollar Wise Central, and you get them all for 80% off, including the premium version of our app. It is the best bang for your buck. Go to DollarWise.com, click that link below. CalebHarrow.com/apply to be on the show. Okay.

• 32:30Caleb Hammer?

  That just looking at you pisses me off. Oh, I don't like when I feel this way.

• 32:35Speaker 02

  Why?

• 32:37Caleb Hammer?

  I'm sorry, audience. Why don't I like it? Or why do I feel it?

• 32:39Speaker 02

  Why do you feel that?

• 32:40Caleb Hammer?

  Because you... I hate you.

• 32:45Caleb Hammer?

  What even is this? I don't even know what to name this account. What is this?

• 32:48Speaker 02

  What is that?

• 32:49Caleb Hammer?

  School First FCU?

• 32:50Speaker 02

  Oh, yeah, there's a credit card. Within my...

• 32:53Caleb Hammer?

  How long does this take to pay off? Well, here, here. Shh, shh, shh, quiet now.

• 32:57Speaker 05

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• 33:19Caleb Hammer?

  Will that take the train off?

• 33:21Speaker 05

  And brand new shows, Fat and Fatter.

• 33:24Caleb Hammer?

  That is... That one is... I would go off-brand.

• 33:29Speaker 05

  Behind the Audit.

• 33:31Caleb Hammer?

  This was wild!

• 33:33Speaker 05

  Hammer vs. Internet.

• 33:38Speaker 05

  And now, upgrading from one livestream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This one isn't for you.

• 34:01Caleb Hammer?

  Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

• 34:05Speaker 05

  It's okay. It's worth it.

• 34:07Caleb Hammer?

  Yeah, it is.

• 34:09Speaker 05

  Join Hammer Elite, the best membership on YouTube today, for free.

• 34:15Caleb Hammer?

  You owe $1,430? Carolina, $1,500. Great, shocker. Minimum monthly payment, $69.

• 34:28Caleb Hammer?

  Okay. Yeah, you made $3 to purchases and 17 cents or $17.70 of interest bounce only went up. We're borderline at the limit, only $1,430.80, which for credit cards isn't the highest, but just that alone, which is actually bad for you, by the way, but just that alone. How long does it take to pay off? Minimum monthly payments without making any purchases. How long? How long, big lady?

• 34:53Speaker 02

  Hmm, 300.

• 34:55Caleb Hammer?

  300 what?

• 34:56Speaker 02

  Dollars?

• 34:59Speaker 02

  Are you giving me a math question?

• 35:03Caleb Hammer?

  Chiquino Studies.

• 35:06Speaker 02

  I don't do math.

• 35:07Caleb Hammer?

  It's not math. I asked how long?

• 35:10Speaker 02

  Oh, but you said how much?

• 35:14Speaker 02

  How long? That would probably take me like 10 years.

• 35:17Caleb Hammer?

  Pause, pause. To clear, to be clear, you thought I asked, how much does it take to pay off $1,300?

• 35:22Speaker 02

  Like how much dollars?

• 35:24Caleb Hammer?

  And you said $300.

• 35:25Speaker 02

  A month.

• 35:27Caleb Hammer?

  $300.

• 35:28Speaker 02

  If I, if I paid $300 a month.

• 35:31Caleb Hammer?

  Yeah, I would pay it off in a certain amount of time.

• 35:34Speaker 02

  Yeah.

• 35:34Caleb Hammer?

  So would your minimum monthly payment is $69. So with $250, so 251 and two and three and four, I, what? That's, I don't get that answer. Okay. Yeah, time, how many years?

• 35:46Speaker 02

  If I did the minimum?

• 35:47Caleb Hammer?

  No purchases, minimum monthly payments only.

• 35:50Speaker 02

  10 years.

• 35:51Caleb Hammer?

  Eight years. You find that acceptable? You still living with mommy and daddy at 40?

• 35:55Speaker 02

  No.

• 35:56Caleb Hammer?

  But you probably will. You have no hope of surviving on your own.

• 36:00Speaker 02

  I'm gonna have to start creating things.

• 36:02Caleb Hammer?

  Okay, what are you gonna create?

• 36:03Speaker 02

  I just told you.

• 36:04Caleb Hammer?

  Other than pain and misery for men in front of you.

• 36:06Speaker 02

  Fashion, fashion, brand, clothes.

• 36:08Caleb Hammer?

  Look at you. What are you doing? I don't know what's so fashionable.

• 36:12Speaker 02

  Look at you.

• 36:13Caleb Hammer?

  I'm not trying to make clothes.

• 36:15Speaker 02

  Well, that, okay, see?

• 36:17Caleb Hammer?

  No, I don't.

• 36:18Speaker 02

  Well, that's where my mind is at. I think that's what I want to do, but I don't want to spend more money if I don't have money. So that's why I don't want to start something. I can't start if I don't have money.

• 36:29Speaker 00

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• 37:01Speaker 02

  And I think I can make more money with clothing.

• 37:03Caleb Hammer?

  Guys, if you want to dress like dumb.

• 37:04Speaker 02

  Okay, but Chicano studies. There's a Chicano culture in LA. The clothing, like, fashion culture over there is really big for the Chicanos as well. And I think I would be really good in that. But again, I don't have money, so I'm trying to like.

• 37:23Caleb Hammer?

  Cause you spent it all. I know how to make nachos in the microwave. I've learned more than you did your entire four-year degree.

• 37:30Speaker 02

  It's fine.

• 37:32Speaker 02

  But I just, there's a lot of history.

• 37:34Caleb Hammer?

  And history is great, but no offense, it doesn't really land jobs.

• 37:37Speaker 02

  I know.

• 37:37Caleb Hammer?

  We go to college to better our career.

• 37:39Speaker 02

  It was easy.

• 37:41Caleb Hammer?

  You can get history from the internet.

• 37:42Speaker 02

  I think that's why I said it, because it was easy.

• 37:43Caleb Hammer?

  Huh?

• 37:44Speaker 02

  It was easy. It was an easy.

• 37:46Caleb Hammer?

  Well, no shit, it's a bullshit degree. It's a bullshit degree.

• 37:49Speaker 02

  This is just for myself, more than.

• 37:51Caleb Hammer?

  No shit, instead of actually for yourself and bettering your life, yeah.

• 37:54Speaker 02

  I got scared. I didn't want to do psychology. I thought I didn't do well.

• 37:58Caleb Hammer?

  Who says you had to do psychology?

• 37:59Speaker 02

  I wanted to, but then I chickened out and I did.

• 38:01Caleb Hammer?

  There are other options.

• 38:03Speaker 02

  Yeah.

• 38:03Caleb Hammer?

  There are other options, and please don't do psychology.

• 38:05Speaker 02

  I just don't believe in myself, that's all.

• 38:07Caleb Hammer?

  Well, fair enough, based on this.

• 38:09Speaker 02

  Yeah, see, I'm trying to change.

• 38:10Caleb Hammer?

  Not trying to be mean, but I mean, look at you.

• 38:12Speaker 02

  I understand.

• 38:12Caleb Hammer?

  Again, have done nothing but failed. I'm not going to sugarcoat it. If I'm going to let you think you've been successful, I'm going to harm you. That's harming you.

• 38:21Speaker 02

  Okay.

• 38:21Caleb Hammer?

  You have been a failure. You are a failure. You can turn it around, and I hope you do. But to think that this is anything other than a failure would be doing you a disservice.

• 38:31Speaker 02

  Yeah. Well, thanks for being honest.

• 38:33Caleb Hammer?

  Well, I'm nothing but.

• 38:37Caleb Hammer?

  Interesting, I don't know, it's crazy, Kizer, what's Kizer? Sixty dollars?

• 38:41Speaker 02

  Kaiser!

• 38:42Caleb Hammer?

  Kaiser, what's Kaiser? Kaiser Health? Okay.

• 38:45Speaker 02

  I had to do a checkup.

• 38:48Caleb Hammer?

  Good. Make sure you didn't get AIDS from all the needles?

• 38:51Speaker 02

  What? Why would I get that? No.

• 38:55Caleb Hammer?

  Oh, there's more. Taste tea? Tasty?

• 38:59Speaker 02

  Oh, yeah. That's a tea place.

• 39:04Caleb Hammer?

  And that is more important than every movie I would have.

• 39:05Speaker 02

  It wasn't. I didn't need to get that. It was too sugary.

• 39:09Caleb Hammer?

  Plus many things. Oh, the fact that it's too sugary, huh?

• 39:11Speaker 02

  Yeah. I should have bought half of the things I bought.

• 39:15Caleb Hammer?

  I'm just so confused.

• 39:16Speaker 02

  Maybe I shouldn't eat.

• 39:16Caleb Hammer?

  Who's buying your style? You look like you just walked out of Hot Topic. I'm so confused. Yes, I'm so confused. What? Yes, or Spencer's, I don't know. Like, I don't know what you're selling.

• 39:28Speaker 02

  Well, I'm not selling anything yet. I started to make it.

• 39:32Caleb Hammer?

  Guys, if you want to look like her, go to Dom Has Terrible, go to domhasterriblefashion.com.

• 39:38Speaker 02

  It's not terrible.

• 39:39Caleb Hammer?

  Tomhasterriblefashion.com and we'll set you up to look like her.

• 39:41Speaker 02

  Not terrible.

• 39:42Caleb Hammer?

  Tom looks like hottopic.com. Dom looks like hottopic.com. Hmm?

• 39:47Speaker 02

  Better.

• 39:48Caleb Hammer?

  Better what?

• 39:48Speaker 02

  Better than Hot Topic.

• 39:50Caleb Hammer?

  You look like the people that walk in and out of there, I'm not gonna lie. You also look like the people I'm avoiding that are walking in and out of there, not gonna lie.

• 39:57Speaker 02

  Well, it's good I don't go to the malls anymore.

• 39:58Caleb Hammer?

  You also look like you smell of dank.

• 40:02Speaker 02

  Not today.

• 40:03Caleb Hammer?

  So if you put any real work into this business, this big ambition, this entrepreneurial spirit, please tell me about your real work.

• 40:11Speaker 02

  What do you mean? My job that I have right now?

• 40:14Caleb Hammer?

  Oh.

• 40:15Speaker 02

  Don't get mad. I get confused. I feel like we're talking about a lot of things at once.

• 40:19Caleb Hammer?

  Confusing? I just asked you a question. It was just a question.

• 40:22Speaker 02

  Tell me about your work.

• 40:23Caleb Hammer?

  Oh, to do this, your business, your entrepreneurial. I literally said your business, your entrepreneurialness.

• 40:29Speaker 02

  I've been asking chat GPT a lot of questions.

• 40:35Speaker 02

  And it's been helping me.

• 40:38Speaker 02

  I have a sewing machine, but I don't use it. I bought a desk to use my sewing machine, but I haven't used a desk or the sewing machine.

• 40:47Speaker 02

  I'm lazy. It's hard.

• 40:50Caleb Hammer?

  That's the first actual reality thing you said.

• 40:56Caleb Hammer?

  What do you do there?

• 40:57Speaker 02

  Work out.

• 40:59Caleb Hammer?

  Okay, you're incredibly specific. You are just, you are.

• 41:02Speaker 02

  I think those are the only things I have going.

• 41:07Caleb Hammer?

  You paid $2,000 last year for tattoo? What tattoo? A loan for sake. Dude, you could have paid off this credit card and more. And more!

• 41:16Speaker 02

  I did pay some of my credit cards off. They're higher.

• 41:20Caleb Hammer?

  No, you've just replaced them, just like on this card. You just replaced them. You just can replace them. That is a lie. Nordstrom, you shouldn't be seen near in Nordstrom. That is way too expensive for you. You can't live alone. Why date this guy? You should break up with this guy. He's a failure. Failure, and he should break up with you because you're a failure. You guys are holding each other back in life. You enable each other to live at home? Instead of ever pushing yourselves' next steps?

• 41:44Speaker 02

  No.

• 41:45Caleb Hammer?

  Yes?

• 41:45Speaker 02

  No.

• 41:46Caleb Hammer?

  Go ahead, explain. Explain.

• 41:49Speaker 02

  We're two individual people. We have to make our own decisions. I don't know.

• 41:55Caleb Hammer?

  Decisions to be failures? Okay, you both are living at home at 30. And you won't move out.

• 42:00Speaker 02

  You just said that's not a bad thing.

• 42:01Caleb Hammer?

  It's not necessarily a bad thing, but when you base it off of what has led to it and what they're doing while they're there. Yeah, you're a failure.

• 42:11Speaker 02

  That's a mess.

• 42:12Caleb Hammer?

  I feel like I'm being mean, but I really don't like people like you. Just to be candid.

• 42:16Speaker 02

  It's fine.

• 42:17Caleb Hammer?

  Like, you guys just hold us back as a society?

• 42:21Speaker 02

  How?

• 42:22Caleb Hammer?

  Look at everything you're doing. You're trying to be cutesy and you think it's fun. And you get a worthless degree and you're just, you're gonna milk the system eventually and you're gonna cry about it. And it's just like.

• 42:36Caleb Hammer?

  He's just holding back everything. This sucks. You purchased $63 on here, $138.23 of interest accrued. You owe $5,495.45. What's the limit on this?

• 42:52Speaker 02

  I think it's seven.

• 42:54Caleb Hammer?

  Yeah, you have about 100 bucks you can spend on it. You have about 100 bucks you can spend on it.

• 42:58Speaker 02

  What is the limit?

• 42:59Caleb Hammer?

  I'm sure you'll do.

• 43:00Speaker 02

  I think it went up.

• 43:01Caleb Hammer?

  5,600.

• 43:02Speaker 02

  It went up to 7,000.

• 43:03Caleb Hammer?

  How long does this take to pay? Well.

• 43:06Speaker 02

  I'm not gonna use it.

• 43:08Caleb Hammer?

  Bullshit. Look, you've used both cards to bring them up. Bullshit, bullshit, bullshit, bullshit. How long does this take to pay off minimum monthly payments? Only no.

• 43:15Speaker 02

  Like 13 years.

• 43:17Caleb Hammer?

  17. We're gonna be looking at mid.

• 43:21Speaker 02

  I'm not gonna take that long, though.

• 43:23Caleb Hammer?

  Yes, you would. No, you're gonna take longer because you purchased. You don't want to. Yeah, all you do is purchase. That makes no sense. What you say that you want.

• 43:32Speaker 02

  Are you telling me that?

• 43:34Caleb Hammer?

  Huh?

• 43:34Speaker 02

  I shouldn't eat? Because all my money I spent on food.

• 43:38Caleb Hammer?

  Dude, $300 of groceries and you'd be perfectly fine. And you live at home already. Yes, we proved it. $250. And you can use our Budget Friendly Cookbook, okay? We will give you one.

• 43:50Speaker 02

  That would help.

• 43:50Caleb Hammer?

  Yes, that'll help. But you actually have to meal prep and do shit.

• 43:53Speaker 02

  It will.

• 43:53Caleb Hammer?

  No, you won't.

• 43:54Speaker 02

  I need it.

• 43:54Caleb Hammer?

  Yes, you do, but you won't. Listen. Oh, this is what's gonna-

• 43:57Speaker 02

  You don't believe in me.

• 43:57Caleb Hammer?

  No, I don't, because look at your history. This is what- And you can prove it by coming on the follow-up channel, but this is, this is, this is, this is, this is what-

• 44:04Speaker 02

  I'm gonna prove you wrong.

• 44:07Speaker 02

  Then you're gonna hate me more.

• 44:08Caleb Hammer?

  This is what pisses me off about you. You say what you want, but then everything you do literally only does the opposite and takes you further away from it. Your words mean nothing. Nothing. I can't trust anything you say. Your words mean nothing. Your actions are so beyond counter what you say you want.

• 44:30Speaker 02

  Are you calling me a liar?

• 44:31Caleb Hammer?

  I ain't calling you a truther. Yes.

• 44:35Speaker 02

  Well.

• 44:37Speaker 02

  I'm learning not to be a liar.

• 44:39Caleb Hammer?

  How do you learn not to be a liar? Just don't be a liar. What the fuck are you talking about? It's not about being honest. It's about your actions. Your actions are completely opposite of what you say you want. And what you say you want just deflects the conversation so you can stop getting pushback and the thing I'm calling you out about. And you're like, well, I want to fix that. That's just what someone says in this conversation when they're obviously doing the opposite. When they want me to back off from calling them out on that specific topic. If you actually wanted to not do the thing I'm calling you out on, you wouldn't do it.

• 45:12Speaker 02

  Well, I'll stop doing it.

• 45:14Caleb Hammer?

  Hey guys, always ask me, Caleb, what do you invest in? Honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you gotta follow me on Blossom if you want to see just that. A couple of weeks back, I stumbled upon this social investing app called Blossom and thought, alright, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in. And you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency.

• 45:55Caleb Hammer?

  So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now. And you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today.

• 46:21Speaker 02

  I'll be, I'm being real though. I'm not lying. Cause I'm, I'm done being a failure. Okay?

• 46:28Caleb Hammer?

  Doubt!

• 46:29Speaker 02

  I believe in me.

• 46:30Caleb Hammer?

  Based on?

• 46:32Speaker 02

  What do you mean?

• 46:33Caleb Hammer?

  Based on what? You've accomplished nothing. Not one time in your life have you accomplished something significant. Did you just fart?

• 46:40Speaker 02

  No, your leather chairs, my nails.

• 46:43Caleb Hammer?

  We don't have leather chairs.

• 46:45Speaker 02

  What do you mean? It's leather right here.

• 46:47Caleb Hammer?

  No, it's not.

• 46:48Speaker 02

  Or whatever this is. I wouldn't fart on your show, okay?

• 46:52Caleb Hammer?

  I think you just did.

• 46:53Speaker 02

  It's not free.

• 46:54Caleb Hammer?

  Huh?

• 46:55Speaker 02

  What?

• 46:56Caleb Hammer?

  Oh, you're gonna end up in the OF pipeline, aren't you? You totally are. This is where people let you go.

• 47:02Speaker 02

  No, that freaks me out. That freaks me out.

• 47:05Caleb Hammer?

  Oh, well, please don't even consider it.

• 47:07Speaker 02

  I won't.

• 47:09Caleb Hammer?

  You're going in here, Jersey mics, more Kaiser, RX.

• 47:16Speaker 02

  Medicine.

• 47:21Caleb Hammer?

  Two late fees this year so far.

• 47:23Speaker 02

  Where?

• 47:23Caleb Hammer?

  Shut the [bleep] up.

• 47:25Speaker 02

  Oh, my Kaiser?

• 47:26Caleb Hammer?

  You.

• 47:27Speaker 02

  I forgot to put the auto pay.

• 47:29Caleb Hammer?

  It's on Nordstrom.

• 47:31Speaker 02

  Really?

• 47:31Caleb Hammer?

  Yes!

• 47:32Speaker 02

  Oh, yeah, I don't, I didn't have auto pay on that one either.

• 47:34Caleb Hammer?

  Oh, every time someone says this at the beginning, I know for a fact, I know for a fact at this point, if I see a military person, they're on disability for the rest of their life, no matter what. If I see someone that says they are, they have never missed a payment, they definitely have. These are the two 100% truths in financial audit, guys. And no matter what, someone will say that's why I'm here, and you already did like five minutes in.

• 47:58Caleb Hammer?

  $700 of interest accrued this year so far, what a joke. Over 30% interest, what a joke. Two late payments this year so far, six months in, what a joke. Five bucks in at this statement.

• 48:12Speaker 02

  Five bucks?

• 48:12Caleb Hammer?

  Five bucks in at the time of this statement!

• 48:15Speaker 02

  That's no good.

• 48:16Caleb Hammer?

  Show me a picture of him.

• 48:17Speaker 02

  Who?

• 48:18Caleb Hammer?

  The boyfriend, the one we've talked about.

• 48:19Speaker 02

  Why?

• 48:20Caleb Hammer?

  Cause I'm gonna judge him.

• 48:21Speaker 02

  No.

• 48:22Caleb Hammer?

  Well, he's not gonna be on camera, but pull him out.

• 48:27Caleb Hammer?

  If you wanna wear weird [bleep] leopard prints, go to Dom's Leopard Prints or Masti.com. Oh, yeah, this guy's a [bleep] failure if I see. A wannabe travel musician. Oh, yeah, this guy's never gonna provide.

• 48:47Caleb Hammer?

  What a joke. This dude looks like he's from Sublime in the 1990s. This dude's injecting hair twice a day.

• 48:55Speaker 02

  That's insane. No.

• 48:57Caleb Hammer?

  This guy will never be able to afford anything. He is an emo weird LA freak of nature, combined with different constructions of the human body. This guy? Good fucking luck, man. Good. You guys are never, oh, that is the largest, largest septum piercing I've ever seen in my life. Oh, you guys are perfect for each other. Please never reproduce. Whoa. It goes down to is like, ew.

• 49:31Caleb Hammer?

  Who would play him in a movie?

• 49:34Speaker 02

  Who would play him?

• 49:37Speaker 02

  Are you looking somebody up?

• 49:38Caleb Hammer?

  No, I'm looking up a picture of the person he's playing.

• 49:42Caleb Hammer?

  Cause we don't show people without their consent on camera. If that's ever made it through, it was a technical accident that was fixed immediately. What does he look like on camera? What? Who would play him?

• 49:57Speaker 02

  Oh my God, I want to see.

• 50:02Caleb Hammer?

  I found the perfect actor.

• 50:07Speaker 02

  What is going on here? Breakfast. What? No.

• 50:15Caleb Hammer?

  That's what he looks like. And we love the Down Syndrome. We love the Down Syndrome. We're not critical of the Down Syndrome at all. They're the nicest people you've ever met. We love the Down Syndrome. We love the Down Syndrome.

• 50:28Speaker 02

  Good.

• 50:29Caleb Hammer?

  Big fans of the Down Syndrome here. And the autistics, give them all. We won't do eugenics. Bring them in. We love them here.

• 50:37Speaker 02

  I'm glad.

• 50:37Caleb Hammer?

  Financial audit is big supportive of any and all.

• 50:44Caleb Hammer?

  People.

• 50:47Caleb Hammer?

  What the fuck was that minimum on the Nordstrom card? See, look, I get extra goody, guys. I get extra goody whenever they put a fucking creature in front of me. This isn't my fault that I'm like this. It's her fault. Which means it's Lindsay's fault. Lindsay, it's your fault that I'm being a degenerate right now.

• 51:04Speaker 02

  It's fine.

• 51:04Caleb Hammer?

  And Colton's fault. And Jake's fault.

• 51:06Speaker 02

  The besties.

• 51:07Caleb Hammer?

  And Jordan's fault. $194 Nordstrom. I don't know how you're gonna afford these minimum payments. They're stacking, they're stacking, they're stacking, they're stacking. And I hear that you blamed that when you had a call to producers, you blamed it on, "Oh, I have such a problem always wanting to treat people." You're blowing money on yourself on there and you won't even make your payments on time. Like, shut up. It is not you being a good person.

• 51:32Speaker 02

  I like buying gifts for people.

• 51:34Caleb Hammer?

  Cool. That is not what got you into that debt. That is not what is maintaining that debt. So when you use that weird deflection, it is bull.

• 51:42Speaker 02

  Yeah.

• 51:42Caleb Hammer?

  It is bullshit. Also, you guys are never gonna move in together.

• 51:45Speaker 02

  But it's fine.

• 51:46Caleb Hammer?

  He makes no money. You're both gonna live with your parents forever. Are you okay with that?

• 51:50Speaker 02

  Yes.

• 51:51Caleb Hammer?

  And what are we doing? What goals do you have? What ambition do you have? What can I help with? Cause I know I'm roasting you. I'm beating up a bit and it's fun.

• 51:57Speaker 02

  Entrepreneur. And I want to... What? I'm gonna, you know, my dreams.

• 52:05Caleb Hammer?

  Yes, please tell. Please tell.

• 52:06Speaker 02

  Yeah.

• 52:07Caleb Hammer?

  Just tell your dreams. Let's see if I can help you get there. Cause again, again, I know we're beating her up. We're having fun. We're giving some good roasts and, you know, and actually I legitimately was very pissed off earlier. As you guys can probably tell, but it happens. I am only human. Uh, but, you know, thank you for consenting to all that. But even with that, let's see if I can help you get to your goal. What is your goal? What are your dreams, your aspirations?

• 52:30Speaker 02

  To have my own brand. But that also, again, it involves money and I wanna be out of debt so I can make that happen. But I don't know how long that's gonna take. But I wanna... Pay it as like.

• 52:47Caleb Hammer?

  You wanna have your own brand and what's your brand lady?

• 52:52Speaker 02

  Clothing brand either gym clothes?

• 52:55Caleb Hammer?

  Oh, no one else is doing that. We haven't had literally five other guests in the show's history wanting to do that.

• 53:01Speaker 02

  Gym clothes, really?

• 53:02Caleb Hammer?

  Yes, athletic wear.

• 53:05Speaker 02

  Wear. Well, it's, I wanted to be, I wanted to be.

• 53:10Speaker 02

  I haven't seen, but there's not a Chicano one.

• 53:13Caleb Hammer?

  Great. You'll cater to five people.

• 53:15Speaker 02

  Latinas, yes.

• 53:17Caleb Hammer?

  More than, yeah, but Latinos will probably just go buy Lululemon.

• 53:20Speaker 02

  Lululemon?

• 53:21Caleb Hammer?

  And Fabletics. Yeah, but like they'll probably go brands that exist that are good.

• 53:25Speaker 02

  But this brand could be good.

• 53:28Speaker 02

  You know?

• 53:29Caleb Hammer?

  Alright guys.

• 53:30Speaker 02

  Streetwear, you know, all the cute stuff.

• 53:32Caleb Hammer?

  I will allow it. I will allow it for this one time only. I will allow the plug. Guys, if you wanna see her brand, go to Dom definitely has a brand and a down syndrome boyfriend.com and you can get access to all of her clothing today. What the, wait, what is this? Shop your way. This looks like the best bike art, but it's not.

• 53:52Speaker 02

  That's a Sears one.

• 53:53Caleb Hammer?

  You have a Sears card?

• 53:54Speaker 02

  I know, it still exists.

• 53:55Caleb Hammer?

  Whoa, we're in the eighties right now. What are you getting?

• 53:59Speaker 02

  Yeah, that one.

• 54:00Caleb Hammer?

  No, no, what are you getting? Like, I'm so curious. What the do you even get on a Sears card?

• 54:04Speaker 02

  Random stuff, I guess.

• 54:05Caleb Hammer?

  Okay.

• 54:06Speaker 02

  It started with the jewelry stand. They're like, you can get so and so off if you open a credit card. I was like, okay.

• 54:13Caleb Hammer?

  Oh, they're so good at getting you. Now you owe four, five thousand, six hundred, eighteen dollars and eighty one cents. They're good at getting you because you don't have a single ounce of maturity. You wanna be an entrepreneurial living at home, but you've never accomplished anything in your life. Good luck. I hope you do.

• 54:27Speaker 02

  Well, where do I start?

• 54:30Caleb Hammer?

  One, get an idea that's unique. I guarantee you, there's a thousand Latina athletic brands out there. Guarantee you.

• 54:37Speaker 02

  Okay.

• 54:37Caleb Hammer?

  Okay?

• 54:38Speaker 02

  Okay.

• 54:38Caleb Hammer?

  So do something no one's ever done. Let's use, I'll just use my example. Let's, let's stroke, stroke my ego real quick. Okay? Let's have a little, little ego stroke. I don't even know what that was.

• 54:52Caleb Hammer?

  When I write music and you know, I was able to make a living off a composer, very rare thing. So cool. I wanted to write a piece of music that I wanted to hear that no one else heard. When I thought about making content, I made a show that I wanted to watch, but didn't exist yet. So I made Financial Auto. That's how you have to think about it. What market is not being served?

• 55:13Speaker 02

  Yeah.

• 55:13Caleb Hammer?

  Or if there is a market that is being served, what can you do so substantially better in such a unique way? That it will surpass those other brands? Those are the two ways you essentially have to go about it. This is the most simple, easy version. Guaranteed, there's like 50 Latino athletic wares and you're not going to get there. I'm sorry. Like you'll have some friends and family support it. But this is not revolutionary enough to get you there. Or you haven't told me what is going to be so beyond industry changing? That no one else is doing that you're bringing to that? Do you have that answer?

• 55:47Speaker 02

  No.

• 55:48Caleb Hammer?

  See, you're like, no offense to 90% of the entrepreneurs and I'm glad we have an entrepreneurial culture and I'm glad. I want you to risk things. I want you to lose, lose, lose until you find the thing that wins. That is not a bad thing. What is so bad is everyone talks about what they want to do. Then they sit on it forever. Then they imagine it. They dream about it and they never do it. And then you just live at home. Yes, exactly. That is just you.

• 56:10Speaker 02

  So I'm trying to get out of doing that. But I guess it's just trying.

• 56:45Speaker 02

  Trying new things?

• 56:46Caleb Hammer?

  I want you to pursue a career and if something hits you and you're able to research it properly, then maybe we can start a business on the side. Ever go full in? I'm very blessed. The audience is amazing. I got super lucky that this took off pretty quick, but even still I had to work my job many months before I, you know, went full into this. And I was not willing to just quit my job and start this because who knows? This wasn't even started as a career. Of course, I hoped I could make money off of it. I was hoping it would be a little extra money. Then I was like, oh shit, I made a little extra money. Hopefully I can make full time off of this. Oh, I can make full time with this. Maybe I can build a business. Oh, I built a business. It's really cool. But never start with, that's where I'm going to be. Let me quit everything and go there. Because that's too risky. Plus you have so much debt.

• 57:28Caleb Hammer?

  Listen, there's Latina lifters, there's Diosa Fit, ZFITCO, Rare Fit, Soulwork, Ferrusa Athletics, JZD, Curvas Latina, Port de Braz, Charlie, the Mexico version. Those are the top 10 Latina owned and focused athletic brands.

• 57:51Speaker 02

  I never heard of any one of them.

• 57:53Caleb Hammer?

  And yet they're probably selling and making money, whereas you wouldn't.

• 57:56Speaker 02

  Yeah.

• 57:57Caleb Hammer?

  Off the bat, again, you might make some supplemental income, but that's a hobby. That's a hobby and a hobby is okay. Hobby is not something that I'm going to look down on, but I just don't want you to jump into this and think, I don't want you to just sit stagnant as you have the last 12 years of your life, thinking that eventually I'm going to do this thing and it's going to be successful. You're never going to get anywhere with that.

• 58:18Speaker 02

  Yeah.

• 58:19Caleb Hammer?

  And that's just real and I'm sorry. Now I'll give you a course certification if you want to go into a different career field so you can make more money. It's great. Our audience uses them. I would have if they, if I knew about them before I did all this, but.

• 58:33Speaker 02

  That'd help.

• 58:35Caleb Hammer?

  Okay, so this credit card's stupid, of course. $5,618, 19 years to pay off. Yeah, you'll be 50. Fifty?

• 58:43Speaker 02

  Yeah, but I want to pay faster than that.

• 58:46Caleb Hammer?

  Yes, but you do nothing to do that. In fact, all you've done is purchased and accrued interest. Your credit card balance went down just a few bucks. It's so insignificant. The minimum monthly payment is $201, so you wouldn't even be able to move out even if you wanted to. And what is it? Uber One. That is what you have on here, a recurring subscription.

• 59:05Speaker 02

  Oh, yeah.

• 59:05Caleb Hammer?

  $750 basically rounded in interest lost this year alone on this card. We're well over 1,000, close to 1,500 on both of these, on all three of these together?

• 59:17Caleb Hammer?

  That's substantial for you.

• 59:19Speaker 02

  I know.

• 59:19Caleb Hammer?

  It's at a 33.24% interest rate.

• 59:23Speaker 02

  That's all you get me.

• 59:25Caleb Hammer?

  No, no, no. You got yourself because you have a lack of maturity. You're not, I will say, no, you're not able to recognize you're not a credit card person. So maybe I shouldn't take advantage of a tool that I'm incapable of taking advantage of because all it does is damage me.

• 59:36Speaker 02

  Yeah.

• 59:37Caleb Hammer?

  Yeah.

• 59:38Speaker 02

  But I don't know how to cancel that one.

• 59:42Caleb Hammer?

  You call and you close it. You call and you close it. You call and you close it. What's crazy?

• 59:50Speaker 02

  Nothing. I thought I did when I took it off from the PayPal. And now I went to another card.

• 59:56Caleb Hammer?

  Taking it from a tap pay, you think closes the card? Come on.

• 1:00:01Speaker 02

  Well, not the card, the Uber payment or the charge.

• 1:00:04Caleb Hammer?

  You probably had a backup payment on there. You probably had a backup payment on the account.

• 1:00:09Speaker 02

  Well, I learned something new.

• 1:00:11Caleb Hammer?

  Just cancel the subscription instead of.

• 1:00:13Speaker 02

  I tried on the app.

• 1:00:15Caleb Hammer?

  On the Uber app?

• 1:00:15Speaker 02

  Let me. Yeah.

• 1:00:17Caleb Hammer?

  On the Uber app?

• 1:00:18Speaker 02

  Oh, no. What happened is I don't have access to my Yahoo email and then I can't.

• 1:00:24Caleb Hammer?

  Pull out your phone!

• 1:00:25Speaker 02

  What?

• 1:00:26Caleb Hammer?

  Pull out your phone.

• 1:00:27Speaker 02

  For that Yahoo one?

• 1:00:29Caleb Hammer?

  Just pull out your phone!

• 1:00:32Speaker 02

  Okay, what next?

• 1:00:35Caleb Hammer?

  Give!

• 1:00:36Speaker 02

  But you need my passcode.

• 1:00:37Caleb Hammer?

  Open.

• 1:00:40Caleb Hammer?

  Oh, you little [bleep] tip.

• 1:00:44Caleb Hammer?

  Oh, this phone's horrible. What did you do? You dropped it so many times.

• 1:00:47Speaker 02

  I need to get a new screen protector.

• 1:00:48Caleb Hammer?

  No, you need a new screen.

• 1:00:50Speaker 02

  It's a sticker.

• 1:00:52Caleb Hammer?

  You can't protect this anymore. Oh, that's this. Okay, good. Cause my.

• 1:00:55Speaker 02

  It's a sticker. I just can't find the other ones.

• 1:00:59Caleb Hammer?

  Why am I, why isn't your Uber One subscription on here?

• 1:01:02Speaker 02

  I was gonna say, I don't know what Uber One is.

• 1:01:05Caleb Hammer?

  Oh, what are these memberships you've had? Sculpt U, Lively, Home AI, Photo Leap, Micro Factor, Meal Q, TV Remote? You have iCloud Plus right now, which is.

• 1:01:15Speaker 02

  I have a lot of photos. What happened? How did I take it off?

• 1:01:19Caleb Hammer?

  Huh?

• 1:01:20Speaker 02

  What'd you do?

• 1:01:21Caleb Hammer?

  Nothing, because I wasn't in there. I thought it may have been in there.

• 1:01:23Speaker 02

  That's what I mean. I don't know what Uber One is.

• 1:01:26Caleb Hammer?

  Okay, Care Credit.

• 1:01:28Speaker 02

  Oh, yeah.

• 1:01:28Caleb Hammer?

  Three thou- oh, yeah? Okay, three thousand five hundred ninety dollars and thirty-four cents. Of course, there's interest, eighty-four dollars fifty-seven cents. Hundred twenty-one dollar minimum payment, fifteen years to pay this one off. What is going on with this card?

• 1:01:50Speaker 02

  What?

• 1:01:50Caleb Hammer?

  Okay, interest this year so far, five hundred thirty-eight dollars. So what are we at, like two thousand dollars now? To the twenty-six point nine nine percent. What's going on with this?

• 1:01:58Speaker 02

  The Care Credit is, well, it's supposed to be for the health and vet stuff. I have dogs.

• 1:02:07Caleb Hammer?

  And?

• 1:02:08Speaker 02

  And I use them on my dogs.

• 1:02:09Caleb Hammer?

  How often? Do you have dog insurance?

• 1:02:11Speaker 02

  No.

• 1:02:11Caleb Hammer?

  Why?

• 1:02:12Speaker 02

  Cause I heard that's a scam.

• 1:02:14Caleb Hammer?

  It's not if you get good ones. It's safety tens of thousands.

• 1:02:17Speaker 02

  Which one should I get?

• 1:02:17Caleb Hammer?

  Brandon, which one should she get?

• 1:02:20Caleb Hammer?

  Spot Pets, Spot Pets.

• 1:02:22Speaker 02

  Really?

• 1:02:23Caleb Hammer?

  Spot Pets, pretty good. Lemonade's pretty good. There's some good ones out there.

• 1:02:27Speaker 02

  Cause I have a big dog and sometimes he gets hurt.

• 1:02:30Caleb Hammer?

  If he has all these X things before that you've had it taken care of, he may not qualify. Or he might not qualify for much, or your payment might be absolutely insane. Also, tell us the real reason you got the big bill.

• 1:02:42Speaker 02

  Which big bill? On this one? I know, I've been using it.

• 1:02:46Caleb Hammer?

  Your dog ate your roommate's magic mushrooms.

• 1:02:49Speaker 02

  Oh yeah, my wiener dog. Yeah, it's my other dog. Yeah, that one was like nine hundred or almost a thousand. Yeah.

• 1:02:57Caleb Hammer?

  What the fuck is wrong with you?

• 1:02:58Speaker 02

  It was me. It was her, my roommate's boyfriend's fault.

• 1:03:01Caleb Hammer?

  Like, listen, if you can't afford to have dogs, even to live in a home, you just can't have dogs because it's not fair to the dogs.

• 1:03:06Speaker 02

  I know it's not, but one of them was pushed on me.

• 1:03:09Caleb Hammer?

  Pushed on you? Tell me.

• 1:03:11Speaker 02

  It was my brother's dog and he moved down with his girlfriend, had a kid, can't take the big dogs to the apartment. So I stepped in.

• 1:03:20Caleb Hammer?

  For fuck's sake, what is this card?

• 1:03:21Speaker 02

  What is that?

• 1:03:21Caleb Hammer?

  What is? I'm asking, what is it?

• 1:03:23Speaker 02

  What is that?

• 1:03:24Caleb Hammer?

  What is it?

• 1:03:24Speaker 02

  I don't know.

• 1:03:25Caleb Hammer?

  Oh my.

• 1:03:28Caleb Hammer?

  What is the account? It doesn't have any branding.

• 1:03:30Speaker 02

  What is this?

• 1:03:31Caleb Hammer?

  Yeah, what do you see at the bottom, by the way? You have.

• 1:03:33Speaker 02

  Oh, smile.

• 1:03:34Caleb Hammer?

  Yeah, what do you see at the bottom?

• 1:03:35Speaker 02

  It's for my wisdom teeth.

• 1:03:38Caleb Hammer?

  What's highlighted?

• 1:03:39Speaker 02

  But to avoid paying a cured interest?

• 1:03:40Caleb Hammer?

  What's highlighted? Come on.

• 1:03:42Speaker 02

  The late fee. Why is her fly?

• 1:03:44Caleb Hammer?

  What was it?

• 1:03:45Speaker 02

  The late fee?

• 1:03:46Caleb Hammer?

  The person who never has late fees?

• 1:03:48Speaker 02

  Yeah, it's because I didn't put auto pay. I keep forgetting to put auto pay.

• 1:03:53Caleb Hammer?

  Late fee?

• 1:03:53Speaker 02

  I know, I forgot.

• 1:03:55Caleb Hammer?

  So because you got a late fee because you forgot, you actually never had a late fee? Is that the mathematical equation?

• 1:04:00Speaker 02

  No, I just forget that I get late fees if I don't add auto pay, but majority of all my stuff is auto pay.

• 1:04:05Caleb Hammer?

  So to be extra clear, a late fee because I forgot about the payment equals I've never had late fees? That's the mathematical equation?

• 1:04:14Speaker 02

  Yes.

• 1:04:16Caleb Hammer?

  Okay.

• 1:04:17Speaker 02

  To kind of make sense, but yeah.

• 1:04:19Caleb Hammer?

  What is it called again? Smile?

• 1:04:22Speaker 02

  Yeah, my dentist offers it and I got my wisdom teeth pulled out.

• 1:04:26Caleb Hammer?

  So I like to tell you guys exactly what I'm doing with my own money, my own investing and things like that. And a lot of you know that I was investing in an app called Mu Mu for a while. That's where I was doing my brokerage trades, but honestly, I decided I kind of wanted to move on from the over complexity because it should just be simple, honestly. So I decided to search far and wide for a new partner to work with, to move my portfolio over and to trade out of in a consistent basis. And I picked Webull because they have a great reputation. Online. So I got with them and I was like, okay, I'm going to switch my stuff over. And a lot of people in the audience, maybe they want to switch their stuff over as well, because they kind of like to follow what I do when I put my money places.

• 1:05:06Caleb Hammer?

  So we worked with them and we negotiated some incredible signup benefits and transfer benefits. If you decide to use Webull. It is incredible. It is such an upgrade of a platform and I wish I did this a year ago or so. And I feel dumb that I didn't. So here it is, right here in the description. You can see you get a $200 to $30,000 cash bonus when you sign up or transfer. Also 12 months of Wall Street Journal premium, a 3.5 IRA match and 30 days of Webull premium. So listen, this is such an upgrade. I feel like an idiot again that I haven't done this forever ago. That's where I moved and I think that's where you should move as well. Check it out. Top of the resources section in the description below. Yeah, interest accruing 41. What?

• 1:05:48Speaker 02

  I didn't want to go to Mexico again because I went to Mexico for my other wisdom teeth. It was like 150. It was cheap.

• 1:05:54Caleb Hammer?

  $1,196 is owed on here. Interest is accruing $41, $48 minimum payment. Seven years to pay off. Why do this for seven years?

• 1:06:04Speaker 02

  I'm not going to do it for seven years.

• 1:06:05Caleb Hammer?

  Yeah, except that's exactly.

• 1:06:07Speaker 02

  I think the interest rate starts after 12 months.

• 1:06:09Caleb Hammer?

  It is interest accruing right now. What are you talking about?

• 1:06:12Speaker 02

  Really? That's what they said.

• 1:06:13Caleb Hammer?

  Really? Yes.

• 1:06:15Speaker 02

  Where?

• 1:06:17Caleb Hammer?

  Well, let me see that actually. Sorry. Maybe that was fees. I apologize. Yeah, that was the late fee. That was the late fee. Guys, reminder, I'm going to pay this off earlier. How am I doing that? By paying late and getting extra charges. Please make that make sense. And you're right. It is interest free for an hour. Shut the. It was an accident, which is why we've had three this year.

• 1:06:38Speaker 02

  Those are accidents. I just got it.

• 1:06:41Caleb Hammer?

  You're broken. You're never going to get anywhere. I'm so sorry. I know I'm being rude, but it's true. It's true. I don't give a.

• 1:06:48Speaker 02

  I should have.

• 1:06:50Caleb Hammer?

  It's true. In about a year, the interest will accrue.

• 1:06:52Speaker 02

  Unless I pay it off within the.

• 1:06:54Caleb Hammer?

  Oh, good. You're not going to because you're late. Shut the up. I don't know how you've survived this so far. This year, this life.

• 1:07:03Caleb Hammer?

  Interest is accruing like mad.

• 1:07:07Caleb Hammer?

  PayPal credit. What's going on with this?

• 1:07:12Speaker 02

  Clothes. Or shoes.

• 1:07:14Caleb Hammer?

  Oh, clothes, not closed. Okay. One thousand.

• 1:07:21Caleb Hammer?

  Ninety-four dollars and seven cents. And I'm here, you're just getting. Chewy and Chewy's. Chewy can be expensive depending on how much you're getting. What are you getting on Chewy eighty?

• 1:07:31Speaker 02

  My dog food. It's a forty pound bag of dog food.

• 1:07:34Caleb Hammer?

  What is this? Deferred named? What is named?

• 1:07:38Speaker 02

  Names collective?

• 1:07:40Caleb Hammer?

  Oh, I don't know. It was a hundred and fifty-three dollars and thirty-five cents.

• 1:07:43Speaker 02

  Yeah, it was a sweater.

• 1:07:45Caleb Hammer?

  Come on. So do we want to get out of debt? Or are we getting sweaters? Because so far it just seems sweaters and bull. Listen, two hundred and forty dollars of purchases on here when you only made a hundred and fifty dollar payment. Minimum monthly is thirty-three. Like, it says it takes seven years to pay off. Some of these are deferred interest, but also interest is already accruing. So clearly some from the past aren't. Twenty-three dollars and sixty-seven cents. Uh, some are accruing twenty-eight, some are accruing a thirty. This one's a thirty, the one that's live. Uh, that expires. That expires in a couple of months. You're not, you're never gonna, yeah, dude, I don't know. This is a mess.

• 1:08:22Speaker 02

  It expires.

• 1:08:23Caleb Hammer?

  And it's.

• 1:08:25Caleb Hammer?

  It's one of them, one of your defers. You have defers. And obviously you never pay them off until and before the deferred interest hits. You never do that. How do I know? Because interest hits. You have interest hitting constantly. Hundred forty bucks in interest this year so far. PayPal credit's dangerous, really, because it's so easy to just finance things. Speaking of dangerous for you to have a firm.

• 1:08:50Speaker 02

  Yeah.

• 1:08:51Caleb Hammer?

  What are you doing?

• 1:08:52Speaker 02

  Clothes. Mashify.

• 1:08:54Caleb Hammer?

  Pull out your firm. No, this is Amazon. This is Amazon right here. Pull out your firm.

• 1:09:00Speaker 02

  Let me see. I don't think I have the app.

• 1:09:03Caleb Hammer?

  So you just go on the website?

• 1:09:05Speaker 02

  Um, yeah. Why should I have that?

• 1:09:08Caleb Hammer?

  No, pull up your Amazon app, though. Uh, who knows what you want to firm right now?

• 1:09:13Speaker 02

  Hold on, let me see. Pickle walking really fast.

• 1:09:17Caleb Hammer?

  One fifty seven. I'm gonna call it one hundred fifty seven dollars with a seventy eight dollar minimum monthly balance, minimum monthly payment. Pull up your Amazon.

• 1:09:25Speaker 02

  Wait, give me the firm.

• 1:09:27Caleb Hammer?

  Pull up your Amazon.

• 1:09:28Speaker 02

  Oh, my gosh.

• 1:09:29Caleb Hammer?

  Lady, listen, I'm moving the show along. Move up your Amazon. Just give, just give. I can do it. I can pull up apps. Hi, hi, hi. Pull the mic to your face. Okay, you moved your face to the mic, but that's okay.

• 1:09:45Speaker 02

  What?

• 1:09:46Caleb Hammer?

  Uh, Naked Essentials Dry Food. For dogs, you already get shit on suit, chewies. There's more dog food.

• 1:09:53Speaker 02

  No, but listen.

• 1:09:54Caleb Hammer?

  Amazon Fresh Store, eleven things in the cart, steak.

• 1:09:57Speaker 02

  What are they?

• 1:09:57Caleb Hammer?

  Uh, protein smoothie, protein things, necklace. More of those interesting Netflix's. Sectional couch covers, coffee, and mugs. We really need, we really need a back massager. Awesome, like my daughter. Are you a mother?

• 1:10:18Speaker 02

  No, that's for my dad. I didn't buy it.

• 1:10:20Caleb Hammer?

  Couch cushion covers, couch cushion covers. Heat press missing? No, no, don't do it. Don't invest into this business. Don't invest into this business yet. You're not there. You're not there. Do not invest into this. Please don't. Please, okay?

• 1:10:36Speaker 02

  Not yet.

• 1:10:37Caleb Hammer?

  Not yet. Yes, exactly. Not yet. You just have so much debt. What the is this? What app is this? What are you getting fashion and dolls? Klarin and Nike. Is it Klarna?

• 1:10:47Speaker 02

  Yeah, I think so.

• 1:10:48Caleb Hammer?

  Good.

• 1:10:54Caleb Hammer?

  What?

• 1:10:55Speaker 02

  No.

• 1:10:56Caleb Hammer?

  What?

• 1:10:56Speaker 02

  I'm just laughing because, oh, my God. It's hot.

• 1:11:03Caleb Hammer?

  And you think it's cute.

• 1:11:05Speaker 02

  It's not.

• 1:11:07Caleb Hammer?

  Okay, Klarna. You'll be Klarna in DoorDash before you know it. Trust me. Six hundred seventy four dollars and three cents. It's your balance with a minimum monthly payment

• 1:11:17Speaker 02

  I don't like DoorDash.

• 1:11:18Caleb Hammer?

  Of two hundred seventy four dollars and thirty nine cents. And then interest is hitting, of course.

• 1:11:25Speaker 02

  Really? There's interest in that?

• 1:11:26Caleb Hammer?

  Yes.

• 1:11:27Speaker 02

  What?

• 1:11:28Caleb Hammer?

  Welcome to how they make money.

• 1:11:30Speaker 02

  What do you mean?

• 1:11:32Caleb Hammer?

  What I mean?

• 1:11:32Speaker 02

  Yeah, but that's thirty six cents.

• 1:11:33Caleb Hammer?

  Yeah, but this is just going. If you're being interested in set effect.

• 1:11:36Speaker 02

  Yeah, but it's thirty six cents.

• 1:11:37Caleb Hammer?

  You're gonna live at home forever. Literally forever.

• 1:11:41Speaker 02

  It's fine.

• 1:11:42Caleb Hammer?

  Alta beauty card. It's fine. Exactly. I don't know why the

• 1:11:47Speaker 02

  What's wrong? You just said there's nothing wrong with that. And then now you're saying there's something wrong with that?

• 1:11:52Caleb Hammer?

  Context. Context. A lot of other cultures do it, but you're only doing it because you wanted to spend.

• 1:11:58Speaker 02

  No.

• 1:11:58Caleb Hammer?

  But you do. You spend way more than you make. That is objectively true.

• 1:12:02Speaker 02

  Okay.

• 1:12:03Caleb Hammer?

  So what the fuck you're talking about? So you can build your business, your make believe business that you've never done? So you can do a worthless degree.

• 1:12:08Speaker 02

  Family, my parents.

• 1:12:10Caleb Hammer?

  Living at home and having independence and making progress in your life.

• 1:12:14Speaker 02

  But when I was trying to do that and go.

• 1:12:16Caleb Hammer?

  L A is a big city. You can live in a lot of, yes, because you can't manage finances because you're incapable of maturity. Because you're incapable of maturity.

• 1:12:22Speaker 02

  I'm not educated in it.

• 1:12:24Caleb Hammer?

  No. No. Listen, I'll put you through our budgeting program. I'll get you in Dollar Wise Central. We get all of our classes, including all future classes. Okay? It saves eighty percent for these guys, but you get it for free. So take all our budgeting class, investing class, debt class, real estate class, recession class, everything you can do and take advantage of the budgeting app. That'll actually teach you. If we're gonna use the I was uneducated.

• 1:12:46Speaker 02

  I will get educated.

• 1:12:48Caleb Hammer?

  If we're gonna use that, you can get educated, but that is also stupid. You can, you can figure out rent.

• 1:12:56Caleb Hammer?

  You can figure out rent, dude. You didn't go into debt because you lived on your own. You went into debt because you're incapable of acting mature and telling yourself, no.

• 1:13:09Speaker 02

  Yeah.

• 1:13:11Caleb Hammer?

  Interest is accruing on here. You owe

• 1:13:15Caleb Hammer?

  two hundred and thirty-three dollars and seventy-nine cents with a minimum monthly payment of thirty dollars. Interest is accruing, takes nine months to pay off. It's at a thirty-one point two four percent interest rate. What a joke.

• 1:13:27Speaker 02

  Nine months.

• 1:13:28Caleb Hammer?

  Yes.

• 1:13:30Speaker 02

  I could pay it off.

• 1:13:31Caleb Hammer?

  And here's your school for stupid fucking loans. No, you're kidding. You overdraft every second of life. And this is, this is, this brings us back to the beginning of the conversation. It's not you living on your own is what got you into debt. You're still overdrafting now. You're going further into debt via overdrafting because you have an overdraft loan. That is so fucking stupid. Do you hear that? Overdraft loan?

• 1:13:53Speaker 02

  Yeah.

• 1:13:54Caleb Hammer?

  I shouldn't be saying those words.

• 1:13:57Speaker 02

  Then why did they get that?

• 1:13:58Caleb Hammer?

  That is your immaturity and inability to control your spending or maturity. This is so fucking stupid.

• 1:14:08Caleb Hammer?

  Okay, overdraft loan.

• 1:14:10Speaker 02

  Yes.

• 1:14:11Caleb Hammer?

  Wait, no, we start with a personal loan. There's a personal loan. Why do you have a personal loan of $7,942?

• 1:14:17Speaker 02

  Because I took it out to pay my other loans.

• 1:14:21Caleb Hammer?

  What loans?

• 1:14:21Speaker 02

  I mean, not my loans, my debt, but then, so the credit cards.

• 1:14:27Caleb Hammer?

  Here it is, ladies and gentlemen. Why you should never do that? Are you kidding me? You did it before changing behavior. Now we're right back where we were except we have double the debt now. It's so moronic.

• 1:14:40Speaker 02

  Do you want to know something else?

• 1:14:41Caleb Hammer?

  Honestly, no.

• 1:14:42Speaker 02

  Okay, cool. So it probably pissed you off even more.

• 1:14:46Caleb Hammer?

  What?

• 1:14:46Speaker 02

  I got a personal loan before that was 10K too, and I paid it off and then a few months after, I think, or six months, another one.

• 1:14:55Caleb Hammer?

  Why do you do the things that you do? $287 minimum monthly payment and 82 cents.

• 1:15:05Caleb Hammer?

  When did you take this out? This balance is substantial. The interest rate is horrendous at 16 and the payment is horrible and it's stacking monumentally.

• 1:15:16Speaker 02

  When did I take it out? Last year, I think, February.

• 1:15:22Caleb Hammer?

  I don't even trust you, whatever. $90 payment is due on the overdraft fee that one sitting at $2,908.81.

• 1:15:36Caleb Hammer?

  So ridiculous with an interest rate of 18%. 18% horrible overdraft. You've overdrafted up to $4,000, $3,000. I would be embarrassed. I would be disgusted. I am, in fact, disgusted.

• 1:16:28Speaker 02

  It could be worse.

• 1:16:29Caleb Hammer?

  Barely, barely. And just because it's worse doesn't mean it should be good. You think that's okay?

• 1:16:34Speaker 02

  It's not okay.

• 1:16:36Caleb Hammer?

  Then why would you say it could be worse? What's the point of saying that? What's the point of saying that?

• 1:16:39Speaker 02

  To make myself feel better.

• 1:16:40Caleb Hammer?

  There it is. So you can sleep at night where honestly, you should be working and paying off debt and stressing about it.

• 1:16:46Speaker 02

  So I shouldn't sleep.

• 1:16:46Caleb Hammer?

  I'm not saying that. But you're just saying that as a cope and then you're never making any progress because you tell yourself that and then you're okay. You're not okay. And you shouldn't be okay. You shouldn't be telling yourself you're okay. You're not okay. You're a mess. You're a disaster. You're a joke. And you should be taking every nuclear option necessary to pay off this debt.

• 1:17:06Speaker 02

  Okay, what? Not eat or eat less or not eat out and not buy stuff?

• 1:17:13Caleb Hammer?

  We've already been through that.

• 1:17:14Speaker 02

  But that's it.

• 1:17:15Caleb Hammer?

  Shut up. I'm not talking. I'm not talking you through that. I've already answered that question.

• 1:17:19Speaker 02

  Okay.

• 1:17:19Caleb Hammer?

  I'm not wasting my time and vocal cords and breath and oxygen on that dumb story. Stop.

• 1:17:27Speaker 02

  That's fine.

• 1:17:28Caleb Hammer?

  Great. You have a Volkswagen Beetle.

• 1:17:30Speaker 02

  Yes. She's cute.

• 1:17:33Caleb Hammer?

  You owe $7,463.26.

• 1:17:42Caleb Hammer?

  Minimum monthly payment, 305. What is the interest? Do you know the interest? Would you know the interest?

• 1:17:47Speaker 02

  No, I don't.

• 1:17:48Caleb Hammer?

  You actually not know?

• 1:17:50Speaker 02

  I don't.

• 1:17:50Caleb Hammer?

  You really don't know?

• 1:17:55Caleb Hammer?

  Oh, we don't know the interest rate either. So I'm guessing it's not good because you don't have credit. What do you think the worth is? What do you think it's worth?

• 1:18:03Speaker 02

  The interest rate?

• 1:18:04Caleb Hammer?

  The car.

• 1:18:06Speaker 02

  Oh.

• 1:18:06Caleb Hammer?

  Interest rates aren't worth something.

• 1:18:09Speaker 02

  How much it's worth now? Well, where I bought it?

• 1:18:11Caleb Hammer?

  The car. How much do you think it's worth?

• 1:18:13Speaker 02

  Now, like 13,000.

• 1:18:14Caleb Hammer?

  Yes, no!

• 1:18:16Speaker 02

  13,000 and I bought it for 17.

• 1:18:19Caleb Hammer?

  You owe $7,463.00 and you think it's worth 13,000? It's worth 7,500. Technically, it is worth what you owe. I don't know what the interest rate is.

• 1:18:30Speaker 02

  Probably more, like.

• 1:18:33Caleb Hammer?

  It's probably horrendous and I don't need to know. But it's probably horrendous. Listen, this isn't the absolute worst, but for stacking up against all your other debt, it's stupid. And I bet the interest rate actually makes, actually does make it absolutely horrible.

• 1:18:47Speaker 02

  Yeah.

• 1:18:49Caleb Hammer?

  This is sad. I, it's fine, it's fine. I'm just, I'm very disappointed in this conversation. I'm very disappointed in this conversation.

• 1:18:56Speaker 02

  Why?

• 1:19:02Caleb Hammer?

  Push through. And here we arrive to the student loans for the special degree.

• 1:19:11Speaker 02

  Yes.

• 1:19:12Caleb Hammer?

  Okay. So.

• 1:19:17Caleb Hammer?

  Listen, the eight thousand, eight thousand eight hundred thirteen dollars and forty cents. It's not, I don't want to use the, it's not the worst because that's what you guys use for your detriment. But that's, listen, forty thousand dollars is the median. That's the average student loans that people graduate with, right?

• 1:19:35Speaker 02

  Yeah.

• 1:19:35Caleb Hammer?

  And for forty percent of people who go borrow for student loans, drop out. At least you graduated, you finished it. Easy degree. It helps, but you did do it and we do like to see that. Um, and the student loans is lower and again, they're actually all below four percent interest rate. So I'm not freaking out about these, but what it was your payment?

• 1:19:56Speaker 02

  My pay? I'm sorry, I.

• 1:19:58Caleb Hammer?

  Lady.

• 1:19:59Speaker 02

  I got scared.

• 1:20:01Caleb Hammer?

  The what? You got scared?

• 1:20:03Speaker 02

  Yeah, because you're gonna be like, another late payment?

• 1:20:05Caleb Hammer?

  What's your payment on this?

• 1:20:07Speaker 02

  Eighty seven dollars.

• 1:20:11Caleb Hammer?

  And that sounds close to about right.

• 1:20:13Speaker 02

  Yeah.

• 1:20:13Caleb Hammer?

  Yeah. Okay. I mean, I don't know. You didn't send me a statement of your account. You just sent me a screenshot of what? You sent me a screenshot of the website, so I can't see your payment history. I can't see if you've had late payments.

• 1:20:26Speaker 02

  I do, I'm being honest with you.

• 1:20:28Caleb Hammer?

  You, so you were lying at the beginning?

• 1:20:30Speaker 02

  I thought you were.

• 1:20:30Caleb Hammer?

  Were you actually lying at the beginning?

• 1:20:32Speaker 02

  I said you called the liars. I was lying, but I didn't know I was lying until.

• 1:20:37Caleb Hammer?

  Yeah.

• 1:20:38Speaker 02

  We came through it.

• 1:20:39Caleb Hammer?

  That's so moronic.

• 1:20:41Speaker 02

  I forget.

• 1:20:42Caleb Hammer?

  Late pay, they'll garnish your wages.

• 1:20:44Speaker 02

  I forgot.

• 1:20:45Caleb Hammer?

  They'll garnish.

• 1:20:46Speaker 02

  Do you remember there was a pause?

• 1:20:48Caleb Hammer?

  Yes.

• 1:20:48Speaker 02

  Yes, and then the pause.

• 1:20:51Caleb Hammer?

  It's been a year and a half ago.

• 1:20:53Speaker 02

  I forgot about it.

• 1:20:54Caleb Hammer?

  It's been a year and a stupid.

• 1:20:58Speaker 02

  So I had to pay, I think, like 262 because of that.

• 1:21:03Caleb Hammer?

  Good. You deserve it.

• 1:21:05Speaker 02

  Yeah, and I did pay it.

• 1:21:06Caleb Hammer?

  When was the last time you were late to your own knowledge?

• 1:21:10Speaker 02

  Um, last month.

• 1:21:12Caleb Hammer?

  You entitled, spoiled brat. Come on. The way you live your life. Why you go, shut the up. You go and you spend all this money on clothes and food and bullshit, bullshit, bullshit, bullshit. And then you don't make your $87 student loan payment because you refuse to put it on an automatic payment.

• 1:21:39Speaker 02

  Yes.

• 1:21:40Caleb Hammer?

  What a brat. And your parents support this, they'll enable you by allowing you to stay there. They should kick you out. They should kick you out.

• 1:21:48Speaker 02

  Well, they won't.

• 1:21:48Caleb Hammer?

  They should kick you out. If they loved you, they'd kick you out.

• 1:21:52Speaker 02

  They won't. Where am I gonna go?

• 1:21:54Caleb Hammer?

  That's on you to figure out. It's time to grow the up. Listen, this is, no, no, no, no, no, shut up. You did not try. You don't know what trying is. Shut up. My vocal cords hurt. Shut up. Listen, you've never tried. You don't know what trying is. They should kick you out so you can figure it out. They're enabling you by allowing you to stay there.

• 1:22:14Speaker 02

  Do I live in my little beetle?

• 1:22:15Caleb Hammer?

  Sure, if you have to. Cause you'll figure it out. You don't make insignificant money. For LA, yes, it's on the lower end, but there are roommates. There are roommates. In fact, you have a significant other for two years. Shut up.

• 1:22:28Speaker 02

  Why would I want roommates if I could be with family?

• 1:22:30Caleb Hammer?

  No, no, no. I'm okay with you wanting to be with family. They're allowing you to put your life on hold and act like a little brat forever. They should kick you out for you so you can figure out or die trying. You're never gonna make progress in life. And this is clear as, no, no, you're not. Shut up. I hate, I hate talking to you.

• 1:22:53Caleb Hammer?

  You're so annoying. You're an actual annoying person. And it's not cute.

• 1:23:00Speaker 02

  It's fine.

• 1:23:00Caleb Hammer?

  You're disgusting.

• 1:23:01Speaker 02

  It's fine.

• 1:23:02Caleb Hammer?

  No, you're disgusting. You are disgusting.

• 1:23:05Speaker 02

  No, I'm not.

• 1:23:06Caleb Hammer?

  Yes, you legitimately are.

• 1:23:08Speaker 02

  Financially?

• 1:23:09Caleb Hammer?

  The way you live your life is disgusting.

• 1:23:12Speaker 02

  No?

• 1:23:12Caleb Hammer?

  Yes.

• 1:23:13Speaker 02

  No.

• 1:23:14Caleb Hammer?

  You're zelling out money, liquor market, who would have thought?

• 1:23:18Speaker 02

  That's next to my job.

• 1:23:19Caleb Hammer?

  I don't give a about anything you have to say. I don't care anymore. I do not care about anything you have to say anymore.

• 1:23:28Speaker 02

  Okay.

• 1:23:29Caleb Hammer?

  There's not a single thing you could say that I give a about at this point. You leech off your parents, you leech off the system, and you do nothing.

• 1:23:37Speaker 02

  The system? How'd I leech off the system?

• 1:23:41Caleb Hammer?

  Not paying your student loans.

• 1:23:42Speaker 02

  But I just told you I made a big payment because of that.

• 1:23:45Caleb Hammer?

  Made a big payment and then missed our last month.

• 1:23:47Speaker 02

  Now I'm...

• 1:23:48Caleb Hammer?

  Shut the then PayPal out. Nordstrom, yeah, let's go to Nordstrom but not pay our student loans. Oh, guess what? This Nordstrom, this Nordstrom one, it's worth two for student loan payments, two and a half. TJ Maxx, State Bro, Jersey Mike's Cream Coffee Shop, Beverages and More, Scentbird Yard House Cream Coffee Shop, Villains, yeah, you're the villain in my arc today. State Bro, Refair.com, Renaissance Fair, Amazon, PayPal, Withdraw, Zell, Chick Fresca's, Green Bliss Cafe, Zelling out money, who knows where, $200 Zelling out money, who knows where, $108. Target, fuck you.

• 1:24:32Speaker 02

  I barely go to.

• 1:24:32Caleb Hammer?

  Shut up. PayPal, Nectar Juice Bar, Amazon, Your Girl,

• 1:24:39Caleb Hammer?

  State Bro, School First, the others that, Target, TJ Maxx, Basket Taco, Paper Rice, Star Cone. But these are the people that want to beg for money, saying life is hard, ladies and gentlemen. I'm giving up. This, this is gonna make me turn into, this show is gonna make me turn into old boomer, I swear, man. Since people like you, people like you are just such a leech on society. Venmo, ice cream, Venmo, La Chica's Fresca, you see, in your degree. Zelling out money, Starbucks, Amazon Fresh, Toys LLC, fifty-one dollars? Apple Cash, ten dollars, seven dollars and twenty-six cents? Oh, that's for buying something, Cupertino, or something at least that was based there.

• 1:25:24Caleb Hammer?

  No, Apple Cash, Cupertino's were apples-based, I don't know. Krispy Kreme?

• 1:25:30Caleb Hammer?

  For a joke. What a fucking joke, man.

• 1:25:34Speaker 02

  It's all food.

• 1:25:35Caleb Hammer?

  Shut up. I don't wanna hear you. I just don't wanna hear you. Two-hundred-and-ninety-two dollars in our retirement at thirty.

• 1:25:45Caleb Hammer?

  You are the person who blows all their money, goes into debt, gets enabled their entire life, refuses to sacrifice, put anything away for retirement, and then it comes retirement time, and then you cry. You cry that there's no money for you. You cry that people aren't paying enough taxes so that you can have more money, when you have done nothing your entire life and you've been enabled and you've just been a spoiled brat and you did nothing to prepare for your future so other people have to put their future building slower in order to give you more money.

• 1:26:20Speaker 02

  Give me more money.

• 1:26:21Caleb Hammer?

  When you come and beg at retirement saying you don't have enough, give me, give me, please. Give me, give me, yes, you will.

• 1:26:28Speaker 02

  I'm gonna make it out all of this, all of this. I could do it with your budget plan.

• 1:26:34Caleb Hammer?

  Shut the fuck up. I'm sorry.

• 1:26:35Speaker 02

  I am determined.

• 1:26:38Speaker 02

  You think I'm lying, but I'm not. I'm being serious. I know everyone says that when they come here, but I'm being serious.

• 1:26:46Speaker 02

  I'll prove you wrong.

• 1:26:49Caleb Hammer?

  Let's see if we can even make you a budget. I'm gonna attempt, ladies and gentlemen, for you. Something can get, someone can get something out of this episode. Certainly not me. Pain and misery, sorry, I'm being negative. Total income, what is it, 4,500 on a monthly basis?

• 1:27:05Speaker 02

  Yeah.

• 1:27:05Caleb Hammer?

  Not counting that other bullshit, honestly.

• 1:27:09Caleb Hammer?

  Not even setting money aside for taxes, we didn't even get to talk about that. And there's no point of it, because you wouldn't anyway. Yeah, you know you're not paying taxes on your contract income, right?

• 1:27:24Speaker 02

  What is happening?

• 1:27:25Caleb Hammer?

  Gentlemen, I'm scared. She brought her fucking evil nature in here.

• 1:27:30Speaker 02

  My ancestors are here.

• 1:27:32Caleb Hammer?

  Yeah, and they, you embarrassed, no, you embarrassed them and they're trying to punish.

• 1:27:40Caleb Hammer?

  I mean, alone, your minimum payments, nothing beneficial, except your student loans, except not because of your choices. Are a thousand eight hundred nineteen dollars and seventeen cents, what a fucking, what, it's so horrible. That's forty percent of your income. Because of your spending, because of your undiscipline, because you just wanna spoil yourself and be bougie and all that stuff and get worthless degrees. Because of that, forty percent of your income goes to debt. Yeah, you're right, you can move out now, all because of your choices. So now you force yourself to live there, and they should still kick you out and force you to go through bankruptcy so you can learn something. Your rent's two hundred fifty, shut, your rent's two hundred fifty dollars?

• 1:28:17Speaker 02

  Mm-hmm.

• 1:28:18Caleb Hammer?

  Okay. That includes utilities, internet, all that stuff, right? How does the grocery situation work at the household?

• 1:28:24Speaker 02

  I buy out.

• 1:28:27Caleb Hammer?

  Oh, lady, we are so close to the end, please do not, I mean, please grow some intelligence. How do groceries work at the household?

• 1:28:37Speaker 02

  I buy groceries, my mom buys groceries.

• 1:28:39Caleb Hammer?

  Okay, so you don't have to buy all the groceries?

• 1:28:41Speaker 02

  No.

• 1:28:42Caleb Hammer?

  I'm gonna give you two hundred dollars for fucking groceries.

• 1:28:45Speaker 02

  Well, thanks.

• 1:28:47Caleb Hammer?

  Two, one hundred dollars for TP fund, anything else you need to survive. I'm gonna give you twenty dollars, twenty-five dollars for subscriptions, you figure out where it goes. Pet insurance, good luck now with those things, pet food?

• 1:28:59Caleb Hammer?

  Pet food?

• 1:29:00Speaker 02

  It's eighty bucks. It's a lot, my dog is like eighty-five pounds.

• 1:29:05Caleb Hammer?

  Car insurance?

• 1:29:06Speaker 02

  Um, every three months, it's four fifty.

• 1:29:10Caleb Hammer?

  Every three months?

• 1:29:13Caleb Hammer?

  Surprised you can afford that bill when it happens, but 150 a month, gas?

• 1:29:17Speaker 02

  Gas, month, hmm, 40 a week, maybe?

• 1:29:25Caleb Hammer?

  120?

• 1:29:26Speaker 02

  Yeah.

• 1:29:27Caleb Hammer?

  Phone bill?

• 1:29:28Speaker 02

  Phone bill's 50.

• 1:29:29Caleb Hammer?

  That's not horrible.

• 1:29:32Caleb Hammer?

  Healthcare, co-pays, anything?

• 1:29:34Speaker 02

  Um, from Kaiser, it's like $8 a month.

• 1:29:38Caleb Hammer?

  Okay, and then how often do you go in?

• 1:29:40Speaker 02

  Not that often.

• 1:29:41Caleb Hammer?

  Yeah, we'll do that. Anything else that needs to be in your budget, Jim?

• 1:29:45Speaker 02

  Yeah, Jim's 30 a month.

• 1:29:49Caleb Hammer?

  Anything else that needs to be in your budget?

• 1:29:52Speaker 02

  Nope. That's gas and food, that's Jim.

• 1:29:55Caleb Hammer?

  Nope, nope, nope, nope.

• 1:29:56Speaker 02

  Nope. Dog food.

• 1:30:01Caleb Hammer?

  Is going through the mall again? We're done.

• 1:30:04Speaker 02

  What else?

• 1:30:06Caleb Hammer?

  You okay over there?

• 1:30:08Speaker 02

  Yeah, I'm just thinking.

• 1:30:09Caleb Hammer?

  Making noises.

• 1:30:10Speaker 02

  And I'm thinking.

• 1:30:14Speaker 02

  Yeah.

• 1:30:17Caleb Hammer?

  You're, you're fine. Put in rent, that would be a little difficult, but you actually could with the roommates. $2,832.17 or boyfriend, except we know he doesn't make money. I'm gonna call him in the post-show, by the way.

• 1:30:29Speaker 02

  No, you're not. He's at work.

• 1:30:31Caleb Hammer?

  I don't give a, he doesn't work.

• 1:30:32Speaker 02

  Yeah, he-

• 1:30:33Caleb Hammer?

  I'm gonna call him in the post-show.

• 1:30:35Speaker 02

  No.

• 1:30:35Caleb Hammer?

  His work is playing on his little guitar and pretending he's making money.

• 1:30:40Speaker 02

  That's his side stuff.

• 1:30:43Caleb Hammer?

  $1,667, gonna minus your student loans. And the $46,220.04 at the current rate, if you actually budget, which I honestly don't think you will, because you're stuck in the pocket. I, I don't know. I hope you do. I hope you do.

• 1:30:58Speaker 02

  I will.

• 1:30:58Caleb Hammer?

  Takes 22 months, so two years. That's not bad. That is worth it. Takes less than two years. Get a fully funded emergency fund. Let's call it two and a half years total. Pay off debt, get a fully funded emergency fund. Move the [bleep] out, become an adult.

• 1:31:09Speaker 02

  Bashing brand can be a thing.

• 1:31:12Caleb Hammer?

  I'm gonna give our Hammer Financial Score. But guys, remember this month only Hammer Elite, the best YouTube membership on the platform is free. All you have to do, subscribe below and then submit proof of purchase to hammerelite.com. We will reimburse you with a gift card that can be spent anywhere and in most countries. Join us for the post-show for this. Join Hammer Elite. Spending in a budget, your Hammer Financial Score is... You overspent 0 out of 10. That, this is pretty much as worst as you can get besides actually that overdraft. I'm considering that basically collections are 0 out of 10. Never seen anything like that in my life. It's ridiculous. Emergency fund, absolutely nothing. 0 out of 10. Retirement, barely. 1 out of 10. Real estate, 0 out of 10. Hammer Financial Score rounded up, just to be generous, 0.5 out of 10.

• 1:31:55Caleb Hammer?

  We're gonna call the boyfriend, talk about other juicy information in the post-show. Join it for free! No, we're not! Join it for free! See you in the post-show, bye! You're coming on this show? You think you could go to [bleep] Vegas? It's a family trip. [bleep] your family! No! Listen, I've been listening for an hour and a [bleep] and a half. What have I taken away from this? You're really screwing yourself over for the future, it seems like. This overdraft loan is crazy. Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:32:31Speaker 00

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