Goth Freak Is A Wannabe E-Girl | Financial Audit

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

• 0:00Speaker 00

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes, para los optimistas y los pesimistas, los que valoran lo de adentro, para los que están lejos, los que no vende lejos y los que no vende cerca, para los introvertidos y los extrovertidos, para los que piensan y los que hacen, para los que nos mostraron el camino. Coca-Cola, para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 0:30Speaker 01

  Espolón Tequila. It arrives in a cloud of feathers with a cry to wake the dead.

• 0:36Speaker 01

  Espolón Tequila, balanced, delicious, perfect for nights out, nights in, and people who like to drink tequila. Just add ice, lime, and your mouth, then hold on tight. 100% a cafe, 0% ego. Espolón Tequila, for a real margarita, ride the rooster.

• 0:54Speaker 02

  Espolón Tequila, 40% alcohol by volume, 80 proof, copyright 2026, Comparia America, New York, New York. Drink responsibly.

• 1:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube.

• 1:03Speaker 04

  It used to be a little TikToker, but now I'm trying to move to YouTube.

• 1:06Caleb Hammer?

  Hold on, I have a 401k to do this.

• 1:08Speaker 04

  I had to buy a new desk.

• 1:10Caleb Hammer?

  And he's okay with this? A potential fiance, she's okay with a financial disaster on the other side?

• 1:17Speaker 04

  Well, probably because he wants me to have his babies.

• 1:18Caleb Hammer?

  But he's gonna destroy himself.

• 1:20Speaker 04

  Well, look at me.

• 1:24Caleb Hammer?

  Download my new simpler budget app today and take control of your money once and for all.

• 1:32Speaker 04

  Hello, my name is Monica. I am 23 years old. I am from Hartford, Connecticut, and this is a Goth on Financial Audit.

• 1:43Caleb Hammer?

  A Goth on Financial Audit?

• 1:45Speaker 04

  Yeah.

• 1:45Caleb Hammer?

  Okay, well, what does a Goth on Financial Audit do for a living up in Hartford, Connecticut?

• 1:51Speaker 04

  So I was originally doing tattooing, but now I just work full-time security.

• 1:59Caleb Hammer?

  Okay, I don't see any tattoos. Most tattoo people we have on here are like heavily tattooed.

• 2:03Speaker 04

  Believe it or not, I-

• 2:04Caleb Hammer?

  You do security? What kind of security? Not physical security?

• 2:07Speaker 04

  No, just like asset protection and like theme park security.

• 2:15Caleb Hammer?

  Just stopping people from bringing in like a weapon?

• 2:17Speaker 04

  Um, so-

• 2:18Caleb Hammer?

  Cause you're not stopping. How tall are you?

• 2:20Speaker 04

  I'm like five foot two. I have-

• 2:21Caleb Hammer?

  Okay, you're not stopping anyone?

• 2:23Speaker 04

  I, trust me, I get stuff, I definitely get stuff done. One hundred percent.

• 2:26Caleb Hammer?

  Okay, uh, how much do you make doing security? What are the hours for that?

• 2:30Speaker 04

  So technically I'm employed with two different places. Um, one of them is an amusement park and then right now it's just Target. Um, since the amusement park is currently closed, I'm exclusively working at Target.

• 2:42Caleb Hammer?

  Security at Target?

• 2:43Speaker 04

  Well, yes.

• 2:44Caleb Hammer?

  Again, who are you stopping? Okay, how much, so how much are you making this Target?

• 2:49Speaker 04

  Um, so starting is nineteen an hour and I get forty hours, but they always make sure it's a little under, so like thirty-nine, ninety-nine, ninety-nine.

• 2:58Caleb Hammer?

  Hard, Connecticut's not cheap.

• 3:01Speaker 04

  Yeah.

• 3:02Caleb Hammer?

  Nineteen bucks an hour?

• 3:05Speaker 04

  I, I, I was, uh, working another job with another company. It was twenty-four an hour at a bank. But I really hated working there, so I quit.

• 3:14Caleb Hammer?

  When did you transition to this? You said, you, you mentioned tattooing, so what? Did you just stop tattooing?

• 3:19Speaker 04

  Um, so I just stopped. I just, it was-

• 3:23Caleb Hammer?

  Why'd you stop tattooing?

• 3:24Speaker 04

  The industry is kinda messy. Like it's, I don't like-

• 3:27Caleb Hammer?

  Well, we have a lot of tattoo artists on. What? Are you making more?

• 3:31Speaker 04

  Um, I think you can make quite a lot on-

• 3:33Caleb Hammer?

  Why'd you stop? Why, why, why move careers?

• 3:36Speaker 04

  Um, so when you're in a tattoo artist, you have to do an apprenticeship and apprenticeship is awful. Like it's like the worst experience. You can probably participate in it.

• 3:46Caleb Hammer?

  Well, isn't that kinda like a student intern after teaching or going through? Well, what's wrong with the apprenticeship?

• 3:52Speaker 04

  So kinda like an internship or anything?

• 3:54Caleb Hammer?

  You have to? It is required? It is legally required?

• 3:56Speaker 04

  It's not legally required, but it's what you have to-

• 3:58Caleb Hammer?

  Industry standard?

• 3:59Speaker 04

  Yes.

• 4:00Caleb Hammer?

  Okay, so how long is that?

• 4:03Speaker 04

  So depending on the state, it could, uh, be two thousand hours or more. Um, so every state is different. So a tattoo artist that is already licensed has to sign off on those hours.

• 4:14Caleb Hammer?

  Fifty weeks? That doesn't make any sense. If it's forty hours a week, two thousand hours, fifty weeks?

• 4:19Speaker 04

  Yeah, it's like more like-

• 4:20Caleb Hammer?

  It'll take a year, essentially?

• 4:21Speaker 04

  Yeah, yeah, basically.

• 4:22Caleb Hammer?

  Okay, so a year of your life for a higher income? So we've had people that make [bleep] in the bank on the show doing tattooing. Why do we give that up to make nineteen bucks an hour in a very expensive state?

• 4:35Speaker 04

  So, um, basically, when you go from one shop to another, those hours do not transfer over. So if you're having a bad experience at one place, if you go somewhere else, it does not carry over.

• 4:46Caleb Hammer?

  What is a bad experience, though? Just hard work?

• 4:48Speaker 04

  No.

• 4:49Caleb Hammer?

  What a lot of people deal with on the show.

• 4:51Speaker 04

  So, no, no, no, uh, a lot of people in the tattoo owners, like tattoo industry, start off tattooing in jail. So there's a lot of like shady characters in the tattoo industry. It's not all over.

• 5:00Caleb Hammer?

  Someone trying to get you to sell meth? I know.

• 5:05Speaker 04

  Well, so there is, basically, when I first started, um, I was working at a tattoo shop that was in a mall. And the owner was kind of, I would, I definitely would say he's a predator, in my opinion.

• 5:18Caleb Hammer?

  Oh, my goodness.

• 5:19Speaker 04

  One hundred percent. So what?

• 5:21Caleb Hammer?

  I was thinking, some violence.

• 5:22Speaker 04

  Well, that too, but, um, every shop is different.

• 5:24Caleb Hammer?

  Why? What do you mean?

• 5:26Speaker 04

  So he would wanna exclusively kind of do apprenticeships for girls and then kind of hit you with, um, you want these hours, you have to do something for me.

• 5:36Caleb Hammer?

  Oh, what?

• 5:36Speaker 04

  Yeah, one of those. Yes, yes, this is.

• 5:39Caleb Hammer?

  The diddle diddle?

• 5:41Speaker 04

  Yeah.

• 5:41Caleb Hammer?

  And he, he propositioned that to you?

• 5:44Speaker 04

  He didn't get that far only because I, I left. Um.

• 5:51Caleb Hammer?

  That's crazy. Sorry, go on.

• 5:53Speaker 04

  No, no, sorry. So he would just say a lot of like explicit like things to me, like, he was like, oh, you've never, uh, you've never seen a before. Do you wanna come in the bathroom with me and see mine?

• 6:02Caleb Hammer?

  From my boss?

• 6:04Speaker 04

  Yeah.

• 6:05Caleb Hammer?

  Sue his ass.

• 6:06Speaker 04

  Somebody said I should go to the news about it, but I.

• 6:09Caleb Hammer?

  The news get money. Give this shit about the news, that's not gonna do anything to him.

• 6:14Speaker 04

  I guess that stuff is hard to prove, though, cuz it's like he said, she said.

• 6:17Caleb Hammer?

  Yeah, but you're saying, if you said predator, that essentially means to me, ongoing behavior. Wouldn't there be like mountains of employees?

• 6:25Speaker 04

  Well, yeah, he does have a bad reputation, like people know of him because of that. Um.

• 6:31Caleb Hammer?

  See, this, ladies and gentlemen, in the world of Twitter sphere and Reddit, is what is actually an abuse of power dynamics. People throw around the word power dynamics all the time, and it's so fucking stupid. No, the only bad thing about power dynamics is when someone abuses it and saying, uh, you can't make money here unless you diddle my ding, and that is bad. That is bad. You should get fired, and I want you to get money from him. Him.

• 6:58Speaker 04

  I know what he would do as well, um, because technically he's a piercer too, because some shop owners are tattoo artists. Uh, they're also piercers. So sometimes, well, I would say a lot of time, when girls would come in and they would want, um, like inappropriate, not inappropriate, like private piercings, like nipple piercings or genital piercing. He would lie and say there was no one else available, so he could do them.

• 7:18Caleb Hammer?

  Other people available?

• 7:18Speaker 04

  Yes. There was girls there.

• 7:21Caleb Hammer?

  Can, okay, poke the tits?

• 7:24Speaker 04

  Mm-hmm.

• 7:24Caleb Hammer?

  Right.

• 7:27Caleb Hammer?

  Okay, so you couldn't take the hours and move to somewhere else? How many hours did you have at that place?

• 7:33Speaker 04

  I think I was there for almost a year. I've been, I've been hopping around shops.

• 7:37Caleb Hammer?

  You were there for almost a year?

• 7:38Speaker 04

  Yeah.

• 7:39Caleb Hammer?

  If you were, that should have been about the fifty hours and then you could have moved on and done it, done your own thing.

• 7:43Speaker 04

  Yeah, but he has to sign off on it.

• 7:45Caleb Hammer?

  And he wouldn't have unless?

• 7:46Speaker 04

  Of course not, yeah.

• 7:47Caleb Hammer?

  Are you serious?

• 7:48Speaker 04

  Yeah.

• 7:48Caleb Hammer?

  You know, for, that's fucking crazy.

• 7:51Speaker 04

  Uh, because he had, he had a sugar baby there, actually, um.

• 7:54Caleb Hammer?

  What do you mean? Was it an employee?

• 7:56Speaker 04

  Yes, she was another apprentice and I would say sugar baby because I think she was okay with doing favors for him, for him buying her stuff, so.

• 8:07Caleb Hammer?

  I mean, I mean, that's just this, I tend to be a consensual adult, can do whatever the fuck they want, but if it becomes a workplace where someone can literally fire you for not doing that, or something, that's just obviously where it's a no-go and that's just, even if she was okay with it, that is dramatically inappropriate.

• 8:25Speaker 04

  Yeah, I think she was like nineteen and he's like, I think he's like close to fifty, I feel.

• 8:29Caleb Hammer?

  Yeah, yeah, well, I think the other part would be illegal, him utilizing his power, like, I know, yeah, it's considered weird and, you know, whatever, uh, but like, the other thing is actually what's bad. You know, the age difference, uh, you know, it's weird, but the fucking leveraging his work power over people, that shit's illegal.

• 8:51Speaker 04

  Yeah, I, I don't know, I was just, it's just scary because at the time, I think I was.

• 8:56Caleb Hammer?

  So why don't you transfer to someone else without a fucking creep?

• 8:59Speaker 04

  I tried to, so originally I was actually at a really good shop before COVID, but that shop got shut down, so then I, I was forced to go to these like shady, shitty little places.

• 9:09Caleb Hammer?

  Well, yeah, but it's not, it hasn't been COVID for a long time.

• 9:13Speaker 04

  Well, yeah.

• 9:14Caleb Hammer?

  There's, there's other places, aren't there? I'm sure there's lots of small shit.

• 9:18Speaker 04

  I would have to count, so I've been to the one on the mall. And the one and done and then I think

• 9:24Caleb Hammer?

  Okay, so how long have you been doing security now cuz not much can be hidden in your account?

• 9:28Speaker 04

  Um, the same, I've been doing it at the same time as basically from twenty twenty when I was doing the apprenticeships and security at the same time. Uh, because when you're kind of apprenticing, you still need like a job because you're not making any money.

• 9:44Caleb Hammer?

  I can't even payroll payroll that came in was only a thousand one hundred forty six.

• 9:52Speaker 04

  Um, yeah, I think

• 9:54Caleb Hammer?

  Like, what the am I looking at? There's. I mean, there's cash apps and PayPal and Venmo and a lot of shit payroll was a thousand forty six. So what what's going on? There's fidelity dispersment. But what the why was payroll so low? If you're getting basically forty hours a week, that math's I didn't said eight nineteen bucks an hour, you said?

• 10:16Speaker 04

  Yeah, it's nineteen an hour.

• 10:17Caleb Hammer?

  Nineteen, you said like thirty eight, thirty nine hours a week?

• 10:20Speaker 04

  Yeah.

• 10:21Caleb Hammer?

  I mean, come on, uh, just you wouldn't be in it. You're not in a high tax bracket or anything, but even still, I'd assume you'd bring home like at least two thousand five hundred, two thousand three hundred.

• 10:31Speaker 04

  Yeah, I think I think around that month I might have been training. So I just got that job in November. So I'm. Because, uh, the amusement park job, like I didn't get the promotion I wanted, so I had to look for another job.

• 10:46Caleb Hammer?

  So what has your account normally? What can we expect?

• 10:48Speaker 04

  I typically like two to three thousand a month, I feel.

• 10:54Caleb Hammer?

  Makes sense.

• 10:56Caleb Hammer?

  That doesn't really make sense after taxes with the hours you're getting that you're saying.

• 11:02Caleb Hammer?

  I'll put twenty five hundred.

• 11:04Speaker 04

  Yeah.

• 11:04Caleb Hammer?

  But okay. Twenty five hundred.

• 11:08Speaker 04

  Mm hmm.

• 11:08Caleb Hammer?

  So we know on the income scale what came in. Obviously, there were cash apps and some fidelity thing that I'm sure we'll talk about.

• 11:15Speaker 04

  Yeah.

• 11:15Caleb Hammer?

  But how much was spent? What was your total spending?

• 11:20Speaker 04

  Um. I don't know. I definitely spent a lot of my income. I would definitely say.

• 11:26Caleb Hammer?

  Yeah. How much did you spend?

• 11:28Speaker 04

  I probably most of it goes to like bills, but I think I kind of have a bad habit of spending a lot cuz I work at a store. So I would say probably like half of that probably.

• 11:42Caleb Hammer?

  So a thousand one hundred came in. You think you spent six hundred?

• 11:46Speaker 04

  Yeah.

• 11:50Caleb Hammer?

  You had me on my, on, on, you had.

• 11:57Caleb Hammer?

  You're on, I was on your side so far because you were

• 12:03Caleb Hammer?

  like, it sounds like a shit boss that you had a weirdo. But you're losing me here. You think you spent 600? You literally spent 10 times that. $6,228. What the fuck are you talking about?

• 12:17Speaker 04

  I thought I said more than, yeah. I thought it was half, sorry.

• 12:22Caleb Hammer?

  Half of what, your income?

• 12:23Speaker 04

  Yeah.

• 12:24Caleb Hammer?

  How are you so far off? How, how do you not know spending 10 times, listen, I get when someone says they spent 5,000 and they spent 6? Okay, but you said you spent 600 and you spent 6,000. How the poss, how are we so far? How are we so far? That is crazy.

• 12:44Speaker 04

  Um, I think probably because I don't budget at all. I don't do budgeting and I don't really track.

• 12:48Caleb Hammer?

  That's, that, listen, no one that comes on the show does budgeting. But again, that loses a thousand dollars maybe. Or maybe like 25%. You were off.

• 13:02Caleb Hammer?

  It was 10 times higher than you said. 10 times higher. That's not something that's, I don't budget. Like, how are you unaware that you, how do you possibly think you only spent 600? How about that? Let's go there. How is your mind in a place right now where you think you only spent $600?

• 13:22Speaker 04

  I do have a lot of credit cards, so sometimes that spending can get a little forgotten about.

• 13:27Caleb Hammer?

  Why? Not even forgotten about, but you're able to at least assess like you spent. $600. $600 is not insignificant money, but in terms of a monthly amount that an American would spend. Oh, that's kind of small. There's no way. I'm sure your rent is at least that.

• 13:46Speaker 04

  My rent is 1,550.

• 13:49Caleb Hammer?

  So there you go. How do you think you only spent 600 if your rent's a thousand?

• 13:54Speaker 04

  I think, so. I, I live with my boyfriend and sometimes he pays for a little bit more.

• 14:00Caleb Hammer?

  Sometimes.

• 14:01Speaker 04

  Yeah, pays for a little bit more of the rent.

• 14:03Caleb Hammer?

  Did the boyfriend know about the creepy boss?

• 14:05Speaker 04

  Yeah.

• 14:05Caleb Hammer?

  Why didn't he go in and beat his ass? I would've.

• 14:08Speaker 04

  Well. It, it'd be ideal to do that, but that's not always the best solutions to resort to violence.

• 14:13Caleb Hammer?

  I would've gone to the police, but, okay.

• 14:19Caleb Hammer?

  I don't know how we can be so far away. Listen, you're guests on the show, so you don't leave this.

• 14:25Caleb Hammer?

  Do not go back to Connecticut until you download our simpler budget app. We made this for people just like you and for those with advanced finances as well. Or just trying to get to a better position, but you get the premium version for free. Everyone else, they get a free trial, but you get it free forever. So take it, the automatic connections, the community chat, all the things that are in there. Take advantage of it. No longer budgeting is no longer an option. This is not an option. Let's be real, if your private student loans have your eye on a third job at the local taco stand,

• 15:03Caleb Hammer?

  maybe it's time for a better plan. Yrefi is your lifesaver in a sea of debt. Unlike the typical loan sharks who treat your credit score like a magical crystal ball. Yrefi cares if you actually want and can afford to repay. So forget about jumping through hoops and start jumping for joy at their under 6% interest rates. That's right, 6%, less than 6%. Plus, they've got a co-sign a release program so you can finally give your mom a break from your financial baggage. So consider it your early Mother's Day or Father's Day gift. They also offer a structured repayment plan to lower your monthly bill and personal reps who actually pick up the phone. It's no wonder why they've got a 4.6 star rating on Google.

• 15:46Caleb Hammer?

  Apparently treating partners like humans actually works wonders. So if you're sick of interest rates that are so high, they may as well charge you for oxygen. Yrefi is your shot at a real solution. No more losing sleep and no more ignoring that mountain of student loans.

• 15:59Speaker 00

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 16:29Caleb Hammer?

  No statements on your kitchen table. Go to Y R E F Y dot com slash hammer. That's Y refi dot com slash hammer or call triple eight Y refi dash seventy eight. That is triple eight Y refi dash seventy eight and get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. Okay. Well, self assessed. What do you think your financial score is today? Zero to 10.

• 17:00Speaker 04

  Um, I would say like a four, four to 10.

• 17:11Speaker 04

  I think a four out of 10 still like a failing grade.

• 17:13Caleb Hammer?

  It is, I guess, but five is like right down the middle, but not even that. You thought you spent 600, you spent 6,200. Where?

• 17:23Speaker 04

  I, I think it's a little bit of misunderstanding. I don't, I didn't mean to say 600. I think I meant to say like a different number, but I'm still wrong.

• 17:32Caleb Hammer?

  What would that number have been?

• 17:34Speaker 04

  Probably a little bit more than 600, but I'm, it's still wrong.

• 17:38Caleb Hammer?

  A little bit more than 600?

• 17:40Speaker 04

  Yeah, like, like a thousand or two, like 2,000, but.

• 17:48Caleb Hammer?

  Why is your phone not on do not disturb?

• 17:50Speaker 04

  I'm sorry.

• 17:51Caleb Hammer?

  Did you watch the onboarding video?

• 17:53Speaker 04

  Oh.

• 17:58Caleb Hammer?

  That's okay. Okay. Well, if you watch your hammer financial score, find out where you think you are today. You can go to Caleb hammer.com or a link in the description below. Take the quiz, figure out where your finances stand. And also if you want to come on the show and you have an interesting situation, we'd love to talk to you. You can come on down here to Austin, Texas. The onboarding process is pretty intense, but it lets you know exactly what you're getting into. And it's a good time. So go to Caleb hammer.com slash apply and we'd be happy to have you on here. Okay, let's start going into these documents.

• 18:36Caleb Hammer?

  Okay. Santander.

• 18:40Speaker 04

  It's a good bank.

• 18:42Caleb Hammer?

  Okay. It's good to know if I'm ever looking for a bank, I guess. Well, eighteen, this isn't a credit card, okay. Eighteen thousand, because I was gonna say that'd be crazy. Sorry. Eighteen thousand, nine hundred fifty-seven dollars and sixty-seven cents. At a thirteen percent interest rate. Um, okay. Your minimum monthly payment is, principles, uh, two hu- uh, four hundred one dollars.

• 19:09Speaker 04

  Yeah.

• 19:10Caleb Hammer?

  That's crazy. For your income situation, that's impossible. For the amount of money that came in last month, I don't even know how you would have paid that. What's this?

• 19:17Speaker 04

  Well, well, the intention for that wasn't for me to be the one to pay that, that's why. Um, so.

• 19:24Caleb Hammer?

  What's that mean?

• 19:26Speaker 04

  My, so.

• 19:26Caleb Hammer?

  What is this even for? What is this?

• 19:28Speaker 04

  When I got my, finally got my tattoo license, because I am licensed now.

• 19:32Caleb Hammer?

  So you got it?

• 19:33Speaker 04

  Yeah, I got my license.

• 19:34Caleb Hammer?

  Then why aren't you doing that?

• 19:37Speaker 04

  So I was at one shop and I had to leave because one of the artists would, acted like he was gonna hit me in the face, so I left.

• 19:43Caleb Hammer?

  What the f- is happening? Okay.

• 19:44Speaker 04

  I don't know. Um, so then I was planning to go with two other artists and open our own shop. Because that is, you could easily, um.

• 19:52Caleb Hammer?

  Eyes are up here.

• 19:53Speaker 04

  Sorry. Um, you could easily make the money back into the money you invest if you hire more artists, and then they pay you a percentage. Um, but that just didn't work out the way I thought it would.

• 20:04Caleb Hammer?

  What happened?

• 20:05Speaker 04

  So.

• 20:06Caleb Hammer?

  This was for that?

• 20:07Speaker 04

  Yeah.

• 20:07Caleb Hammer?

  You borrowed a loan for the business that didn't happen?

• 20:12Speaker 04

  So.

• 20:12Caleb Hammer?

  No, no, what happened?

• 20:13Speaker 04

  I'm not sure what the state of it is right now, but I did take out a loan, because it was.

• 20:18Caleb Hammer?

  This loan?

• 20:19Speaker 04

  Yes.

• 20:20Caleb Hammer?

  For?

• 20:21Speaker 04

  To make renovations on a hair salon, so then it can be.

• 20:25Caleb Hammer?

  No.

• 20:25Speaker 04

  Yeah.

• 20:27Caleb Hammer?

  What do you mean you don't know the state of it? What does that mean?

• 20:30Speaker 04

  Um, because the key had been taken away from me, and.

• 20:34Caleb Hammer?

  What? Okay, hold, okay.

• 20:38Caleb Hammer?

  What the are you talking about?

• 20:40Speaker 04

  So.

• 20:41Caleb Hammer?

  Any context here?

• 20:42Speaker 04

  I can give you context. So um, there's already an established business. There is already a hair salon and we were gonna because it has to be up to code for a tattoo shop. It has to have sinks and certain doors. You have to make those renovations. And.

• 20:55Caleb Hammer?

  What, certain doors, like escape doors?

• 20:57Speaker 04

  No, no, just there's no.

• 20:57Caleb Hammer?

  Freaks that work there?

• 20:58Speaker 04

  You have to separate certain parts. They can't be exposed to each other. Um, and my my, so then I was asked like, hey, would you, could you take out, um, what's, no, no, they, no, sorry, let me backtrack. They had asked me, what's your highest, like, max on your cards? And I had said five thousand. They're like, can't, they were basically asking me to max out two of my credit cards. And I said, no.

• 21:25Caleb Hammer?

  For what? To do those renovations to get up to standard? Okay.

• 21:28Speaker 04

  And I said, no.

• 21:29Caleb Hammer?

  Who?

• 21:30Speaker 04

  Uh, just, uh, two people from a previous shop and we were gonna collaborate together to open our own shop.

• 21:34Caleb Hammer?

  And they were already asking you this before you like signed the lease or anything?

• 21:38Speaker 04

  Yeah, I didn't, I didn't sign anything. I kind of made that gigantic mistake in like signing any documentation or any contract.

• 21:44Caleb Hammer?

  Even, I don't even like, what the, did you even talk to the people who were, uh, who owned it? Was someone leasing the space?

• 21:51Speaker 04

  Technically, it was, there is someone, the owner, and then someone's an owner. They have a business license. So.

• 21:56Caleb Hammer?

  Owner of what? The business that was in there or the property?

• 21:58Speaker 04

  The business, not the property. They're renting.

• 22:01Caleb Hammer?

  Okay, so why didn't you have anything in place with the person, I guess, who was renting the like sublease or whatever? What, what was even the process? So you were talking about renovating with these two people before you even knew if you could be in the space? Nice.

• 22:16Speaker 04

  Um, yeah, I just, uh, pretty, I just trusted them. So I figured that whatever they were saying to me, um,

• 22:25Caleb Hammer?

  How close are you to them?

• 22:26Speaker 04

  I've known them for a few years.

• 22:28Caleb Hammer?

  But are they stupid?

• 22:30Speaker 04

  Um, I was expecting them to pay me back. They had made a promise that those be within a certain amount of time. And I just trusted them.

• 22:38Caleb Hammer?

  But are they stupid?

• 22:39Speaker 04

  Maybe.

• 22:41Caleb Hammer?

  You don't know?

• 22:42Speaker 04

  I don't want to speak like too ill of them because.

• 22:44Caleb Hammer?

  I don't care. It depends on who you trust. There's people that I love. But if they're stupid, I'm not trusting them. To follow business decision that they're laying out that would require going into debt.

• 22:59Speaker 04

  I I felt like I kinda owed them because one of them had given me my license, like they sign off on my hours for me. Um, and even though we were all co-owners, I felt like I wasn't an owner. I was more like an employee.

• 23:11Caleb Hammer?

  Co-owners.

• 23:12Speaker 04

  Yeah.

• 23:13Caleb Hammer?

  You guys formed a business.

• 23:14Speaker 04

  Mm-hmm.

• 23:14Caleb Hammer?

  No, you legally formed a business.

• 23:17Speaker 04

  Not legally. Just kind of word of mouth.

• 23:19Caleb Hammer?

  Okay, so word of mouth, word of mouth to who?

• 23:22Speaker 04

  Well, it's not word of mouth, more like verbal contract. And and I've known them for a while. I just did whatever they needed me to do. Like one of them, I gave them a car, one of my old cars.

• 23:32Caleb Hammer?

  The fuck are you talking about? You just gave them a car?

• 23:35Speaker 04

  Yeah, I I felt bad.

• 23:36Caleb Hammer?

  You had an extra car?

• 23:37Speaker 04

  It was my old car. He got a new car. It was like my favorite.

• 23:40Caleb Hammer?

  You can afford a new car?

• 23:42Speaker 04

  Well, I'm still paying it off. It's technically, I'm have a loan, car loan.

• 23:48Caleb Hammer?

  Uh-huh, sure. Okay. Well, I'm sure we'll get into that. Okay, so you verbally agree to split at thirty-three point three three percent of the way.

• 23:55Speaker 04

  Yeah, so I I wasn't the only person who wasn't making payments is me because I'd taken the money out for them and they were supposed to make payments to me. Um, the the original.

• 24:05Caleb Hammer?

  What was the agreed upon term? I gotta know something here. I mean, this, there's so many holes in this conversation.

• 24:11Speaker 04

  Well, the original agreement, it was verbal. I can't say. Yeah, yeah.

• 24:16Caleb Hammer?

  Why?

• 24:17Speaker 04

  I just, I trusted their, I trusted them as friends, that's all. I didn't think I needed to.

• 24:21Caleb Hammer?

  When money gets involved, always get a contract going, always get a legal contract going.

• 24:26Speaker 04

  They, so they had to like, oh, we can pay this off in a year, which is.

• 24:30Caleb Hammer?

  Pay what off?

• 24:32Speaker 04

  The loan.

• 24:32Caleb Hammer?

  This?

• 24:33Speaker 04

  Mm-hmm.

• 24:33Caleb Hammer?

  Okay. So you didn't have an agreement to even be in the space, correct?

• 24:39Speaker 04

  I was supposed to be working in there too, but um.

• 24:42Caleb Hammer?

  Working in there, what is working in there?

• 24:43Speaker 04

  Like tattooing.

• 24:45Caleb Hammer?

  In a hair salon?

• 24:46Speaker 04

  No, but we had to separate the part that was able to be.

• 24:49Caleb Hammer?

  Did the person who rented the space agree to that?

• 24:52Speaker 04

  Yes.

• 24:53Caleb Hammer?

  They agreed to that?

• 24:54Speaker 04

  Yes.

• 24:54Caleb Hammer?

  Did they get you on a sublease?

• 24:56Speaker 04

  No.

• 24:57Caleb Hammer?

  Was there a?

• 25:00Caleb Hammer?

  Conversation around getting you on the sublease.

• 25:03Speaker 04

  I didn't know a sub- sublease was a thing.

• 25:05Caleb Hammer?

  Was there a conversation and getting any paperwork done for the space you were getting?

• 25:10Speaker 04

  No.

• 25:11Caleb Hammer?

  Oh my, okay.

• 25:14Caleb Hammer?

  Was the master landlord aware?

• 25:16Speaker 04

  Um.

• 25:17Caleb Hammer?

  The building owner?

• 25:18Speaker 04

  I'm not sure, but I know we kind of made sure to have receipts back and forth.

• 25:22Caleb Hammer?

  Receipts? What receipts?

• 25:24Speaker 04

  So, when you're paying a percentage to the shop, they want a receipt that you paid a percentage of whatever you earned to them because you're.

• 25:30Caleb Hammer?

  Well, yeah, but that's not even close to what we're talking about.

• 25:33Speaker 04

  No, no, no, I'm tying it in, I'm sorry. Um, so then also receipts for the loan, like me making sure I'm taking the money they're giving me and actually paying the loan off instead of using it for whatever. Um, so I made sure to do receipts, but they weren't giving me.

• 25:45Caleb Hammer?

  One of the people that was supposed to pay you back for this loan, were they the owner of the shop, or was it just your business partners?

• 25:52Speaker 04

  One person actually owns a business and.

• 25:54Caleb Hammer?

  No, no, no, the owner of the shop that you were separating, in the different spaces, the hair salon!

• 26:00Speaker 04

  Yeah, yeah, yeah, yeah.

• 26:01Caleb Hammer?

  That was one of them?

• 26:02Speaker 04

  Yeah, she's also a tattoo artist, too.

• 26:04Caleb Hammer?

  Okay, so that was one of them?

• 26:06Speaker 04

  Yes, correct.

• 26:07Caleb Hammer?

  Oh.

• 26:09Caleb Hammer?

  Okay.

• 26:11Caleb Hammer?

  Okay, okay, so you went to borrow a loan to do this?

• 26:16Speaker 04

  Correct.

• 26:17Caleb Hammer?

  Did you have a contractor?

• 26:20Speaker 04

  Uh, yeah, because I went to the bank and we, I signed a contract.

• 26:25Caleb Hammer?

  A contractor to build it?

• 26:27Speaker 04

  Oh, con- no, no, no, no, no. Uh, the, the.

• 26:30Caleb Hammer?

  Who the was going to build it? You borrowed before you had an estimate?

• 26:35Speaker 04

  I think they already had an estimate of $10,000.

• 26:37Caleb Hammer?

  From who?

• 26:38Speaker 04

  I'm not sure, I wasn't.

• 26:39Caleb Hammer?

  No, no, who had an estimate?

• 26:41Speaker 04

  The, the owner of the business, technically.

• 26:43Caleb Hammer?

  Well, I thought you were a co- a third owner, and I thought this was your responsibility. You took out the loan.

• 26:48Speaker 04

  Uh, I'm, I'm talking about the person on paper.

• 26:51Caleb Hammer?

  Paper?

• 26:52Speaker 04

  Not paper, because there's only-

• 26:53Caleb Hammer?

  What paper? You said nothing was on paper.

• 26:55Speaker 04

  No, I meant the, only technically one person owns-

• 26:58Caleb Hammer?

  The tenant-

• 26:59Speaker 04

  Yes.

• 27:00Caleb Hammer?

  Of the, of the unit. Look, you all know I love calling people out on their financial train wrecks. We've tackled credit cards, payday loans, and more. But there's one giant moneymaker we've only scratched the surface on: real estate.

• 27:15Speaker 01

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• 27:17Caleb Hammer?

  That's right. The Buy a House, Get Rich Game. And that's if you play it right. You see, my own journey started in sales with tens of thousands of dollars in bad debt. I was that dude. But once I hustled my face off and wiped the stake clean, I realized the real wealth-wielding power: investing, and real estate in particular. I saved for some years, put down on my first home, watched it grow in value, and then snowballed that equity into multiple rentals. And ultimately, the condo where I started filming these chaos-filled financial audits you guys love. And that's why I'm thrilled to announce my brand-new course, Master Your Real Estate. I'm pouring everything I know into how I went from broke and basically mooching cheap rent to leveraging property appreciation, collecting rent checks, and scaling up.

• 28:02Caleb Hammer?

  And as a thank you for buying at launch, you'll be able to get the course at over 30% off through March 31st. And for the first 250 people who sign up, you'll get access to my exclusive Q&A where I deep dive into my real estate portfolio. So, listen, this is the blueprint I wish I had when I was scraping by. My system will show you how to understand market cycles, so you're not buying at the worst possible times. Spot a money pit versus a gem. Build a mini empire of rentals that send you a paycheck while you're napping. And I'll also show you stuff like the B-R-R-R, or BRRRR, method. Buy, Rehab, Rent, Refinance, Repeat. Commercial deals, plus the not-so-boring side of mortgages and home inspections.

• 28:43Caleb Hammer?

  Basically, all the do's and don'ts that could save you from a midnight roof collapse. There's no gimmicks, no rocket science, just real strategies I used to transform my net worth from zero to hundreds of thousands of dollars before I started this YouTube channel. So, if you're ready to get the house of- your dreams finally wrap your head around mortgages and not get bamboozled learn how real estate can become your biggest wealth booster then master your real estate is your next move sign up for the course today lock in that massive discount only through the end of this month and dive into the world of real estate investing seriously real estate has changed my life and it can change yours too

• 29:23Caleb Hammer?

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• 29:37Speaker 04

  yeah so the because they have to do the plumbing and to change the plumbing because you need to have you to wash your hands before tattooing so you need

• 29:46Caleb Hammer?

  yeah

• 29:46Speaker 04

  sink and all that

• 29:47Caleb Hammer?

  you didn't have sinks in a salon

• 29:49Speaker 04

  they need to be a certain kind they can't be the ones that are meant to wash your hair it's not

• 29:52Caleb Hammer?

  yeah but what plumbing would change you'd think that would be able to relatively be able to connect in with with whatever you need

• 29:58Speaker 04

  yeah that's they originally asked for 10,000 which is

• 30:02Caleb Hammer?

  who asked I keep hearing they's and them's

• 30:07Speaker 04

  the

• 30:08Caleb Hammer?

  Twitter bios

• 30:10Speaker 04

  the other owners the so the other two people involved they they asked me like hey

• 30:15Caleb Hammer?

  they asked you for

• 30:17Speaker 04

  because they had asked me originally to max out two of my credit cards and I said no

• 30:21Caleb Hammer?

  for the renovation specifically

• 30:22Speaker 04

  correct

• 30:23Caleb Hammer?

  okay so you took out a

• 30:27Caleb Hammer?

  wait if you got a quote for 10,000 hours why do I have an 18,957 dollar loan here

• 30:31Speaker 04

  so they had set that amount but then we went in to get pre-approved they came with me and they kind of spoke up and said we actually want this amount

• 30:39Caleb Hammer?

  want they said want they didn't say need they said what

• 30:46Caleb Hammer?

  okay and they said they could pay it back to you within a year

• 30:49Speaker 04

  which is

• 30:50Caleb Hammer?

  verbally is that what they said okay what did they say their plan what was what was the minimum payment that they were going to pay to you so and also what about the interest were they going to pay into the interest that you are paying on the loan 13%

• 31:03Speaker 04

  I tried to explain to them based on the payments that they were making that that would

• 31:07Caleb Hammer?

  what payments were they making though they were just paying you the minimum monthly payment

• 31:12Speaker 04

  correct

• 31:14Caleb Hammer?

  If they pay the minimum payment until the loan is paid off, technically, they will have paid the interest.

• 31:19Speaker 04

  Yeah, but based on the timeframe that they had said, that wouldn't be possible.

• 31:23Caleb Hammer?

  No, it wouldn't have been possible.

• 31:24Speaker 04

  It would be like five to six years.

• 31:25Caleb Hammer?

  Yes, something like that, yeah.

• 31:28Speaker 04

  And then they got really upset with me when I brought that up.

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• 32:00Caleb Hammer?

  What do you mean they got upset? Well, how did that conversation go? What is they got upset?

• 32:04Speaker 04

  Um, they didn't want to pay more than what they were actually, uh, paying me now.

• 32:08Caleb Hammer?

  I mean, I guess on a minimum payment basis, they could. They'd just have to go longer.

• 32:12Speaker 04

  Mm-hmm.

• 32:13Caleb Hammer?

  And they got upset at the idea of going longer?

• 32:15Speaker 04

  Yeah, so, after...

• 32:17Caleb Hammer?

  But you showed it to them.

• 32:19Speaker 04

  I, I tried to explain it, yeah.

• 32:21Caleb Hammer?

  Did you show it to them?

• 32:23Speaker 04

  Yeah. They, they have all the, they had all the documents, all the...

• 32:26Caleb Hammer?

  What was their excuse other than not wanting to, or was that it? I didn't want to.

• 32:30Speaker 04

  They don't have, is the, what they said, they don't have...

• 32:33Caleb Hammer?

  They don't have what?

• 32:34Speaker 04

  The money to pay the loan. Like, more than what they were already paying.

• 32:38Caleb Hammer?

  Yeah, but they're just paying longer.

• 32:40Speaker 04

  I tried to explain that.

• 32:42Caleb Hammer?

  Are they...

• 32:44Speaker 04

  I don't know. Um, I know, uh, after all this happened, we went to, we were supposed to go to a tattoo convention together. And a tattoo convention, it's, can be very lucrative. You can make a thousand dollars a day.

• 32:58Caleb Hammer?

  From...

• 32:59Speaker 04

  From tattooing. You can tattoo people and make a thousand dollars, like, a day. And it's a three-day convention. And they were supposed to go with me. Um, but the last...

• 33:08Caleb Hammer?

  So after all the experiences you've had with people in the tattoo world that have not been good, you decided to only do a verbal agreement for a loan that you're taking out?

• 33:19Speaker 04

  Well, I would say that's a different thing. I would say-

• 33:21Caleb Hammer?

  How? They're in the same industry as all those other people that you said were bad. And you said you haven't met good people.

• 33:27Speaker 04

  I would say sexual misconduct and-

• 33:30Caleb Hammer?

  It wasn't just that, someone also threatened to kill you. You also said everywhere you go to is seedy and sketchy with sketchy people. You said that. Yes, you had specific examples, but you said if you go anywhere, that's what you get. And you're trusting two of them.

• 33:43Speaker 04

  Um, I just knew them from a long time and they-

• 33:46Caleb Hammer?

  And how'd that work?

• 33:48Speaker 04

  It was good until this point, I would say.

• 33:49Caleb Hammer?

  What, what is this point? This point, this point?

• 33:52Speaker 04

  Well, I would say like a couple of months ago.

• 33:54Caleb Hammer?

  When, when did this happen?

• 33:56Speaker 04

  In August.

• 33:58Caleb Hammer?

  You took this out in August of last year?

• 34:00Speaker 04

  Correct.

• 34:01Caleb Hammer?

  And it only lasted for a couple of months until it went to shit?

• 34:04Speaker 04

  Um, yeah. Um-

• 34:07Caleb Hammer?

  Oh my, okay, so what happened?

• 34:10Speaker 04

  Um, so after I had this all, um, what's, we kinda had this loan stuff going on. Um, I kinda knew it was not going well when we were all, like I said before, we were supposed to go to a convention together.

• 34:23Caleb Hammer?

  Oh, yeah.

• 34:24Speaker 04

  And they kinda bailed on me last minute. I ended up paying a lot more for the convention that I was supposed to.

• 34:29Caleb Hammer?

  Are they closer?

• 34:31Speaker 04

  Closer in terms of-

• 34:33Caleb Hammer?

  To each other than you?

• 34:34Speaker 04

  Probably.

• 34:35Caleb Hammer?

  Probably? You don't know?

• 34:36Speaker 04

  I, yeah, because their age range, they're closer in age. They probably are closer than me.

• 34:40Caleb Hammer?

  But that's not everything.

• 34:42Speaker 04

  Well, it's hard, they're like forty.

• 34:45Caleb Hammer?

  Okay, but are they closer or not?

• 34:46Speaker 04

  Yes, they are.

• 34:47Caleb Hammer?

  I don't know. I mean, I have a friend out there right now. She's a sister of one of my friends and she just turned twenty-one. And we have, uh, someone here that's like in their upper thirties, I think. Uh...

• 35:02Caleb Hammer?

  Wait, what example is that? No, no, no, we have someone that's like twenty-five that works here. I'm still closer to her even though I'm older, cuz I know her.

• 35:11Caleb Hammer?

  People are automatically closer cuz they're closer in age. I'm curious, are they closer?

• 35:15Speaker 04

  Yes, I answered, yes.

• 35:17Caleb Hammer?

  There you go. Well, you answered in a weird way that didn't make sense. But- Okay, so then they bailed on you.

• 35:25Speaker 04

  Yeah, they just last minute canceled, like, I was... Um, they were supposed to book the Airbnb cuz I had already paid for the booth. The booth was a five hundred and twenty-five dollars. Which if you split it with- If you split it with three people, it's not that much.

• 35:40Caleb Hammer?

  When did they bail? What, how many days in advance?

• 35:43Speaker 04

  The day of.

• 35:47Caleb Hammer?

  Written contracts, people, written fucking contracts. And they were not on a contract to the booth, it was just you?

• 35:54Speaker 04

  Um, their names were on the booth, they've sent their information, like their licenses-

• 35:57Caleb Hammer?

  But in the contract to rent it?

• 35:59Speaker 04

  There's no, there's no technical contract to rent-

• 36:01Caleb Hammer?

  There's no contract to rent the booth?

• 36:03Speaker 04

  It's just a bill, you just pay for it, it's not like a contract, it's, you just pay for it, like kinda like-

• 36:07Caleb Hammer?

  And you paid for it?

• 36:08Speaker 04

  Correct.

• 36:10Caleb Hammer?

  And they were supposed to pay you back?

• 36:12Speaker 04

  They were supposed to, um, at least-

• 36:15Caleb Hammer?

  Okay, so you went and you didn't have to split with anyone, so you made a ton of money, right?

• 36:18Speaker 04

  Uh...

• 36:19Caleb Hammer?

  What's this, what are you doing?

• 36:23Caleb Hammer?

  You fucking horse?

• 36:26Speaker 04

  Yeah.

• 36:27Caleb Hammer?

  Oh, you're chewing into the mic, people are listening?

• 36:30Speaker 04

  Sorry.

• 36:31Caleb Hammer?

  No, what are you doing? Why do you keep doing this?

• 36:34Speaker 04

  I'm hungry.

• 36:34Caleb Hammer?

  You have a little stash, you can eat afterwards or before!

• 36:38Speaker 04

  I had a long flight.

• 36:41Caleb Hammer?

  You were in the green room for like an hour, why did you fucking eat, why are you eating into the microphone?

• 36:45Speaker 04

  I was chewing my hair.

• 36:47Caleb Hammer?

  Why are you eating into the microphone on a podcast, lady?

• 36:53Speaker 04

  I have a, I have an oral fixation with like chewing, but I like to be healthy. Actually-

• 36:58Caleb Hammer?

  Oral fixation with chewing?

• 37:00Speaker 04

  Yeah, cuz uh, bored eating, I think, like-

• 37:03Caleb Hammer?

  Don't we all have that?

• 37:05Speaker 04

  Yeah, but you're not supposed to eat when you're bored, you're supposed to only eat when you're hungry.

• 37:07Caleb Hammer?

  Yeah, but like, what, if you can chew on pens and bullshit- Oral fixation, are we like diagnosing that shit?

• 37:14Speaker 04

  Well, that's not a diagnosis, it's more like just a thing, um, I mean, it, it helped me loo- lose like fifty pounds, though.

• 37:21Caleb Hammer?

  Really?

• 37:21Speaker 04

  Yeah.

• 37:22Caleb Hammer?

  Okay, maybe I need to get on the oral fixation carriage game-

• 37:25Speaker 04

  I should, I should show you the before and after picture of me, and then you'll-

• 37:29Caleb Hammer?

  Okay, well, good for you, let's not eat during the podcast like a fucking weirdo, but...

• 37:35Caleb Hammer?

  Okay, okay, so I don't know how the, you're recording a four hundred and one dollar minimum payment.

• 37:42Speaker 04

  Yeah, cuz it didn't really account for the principal or anything like that.

• 37:45Caleb Hammer?

  Just the payment?

• 37:48Speaker 04

  I know, my account's gone in the negative a couple times.

• 37:51Caleb Hammer?

  Oh, for fuck's sake. Okay, so what happened? You went there, you made a lot of money, right?

• 37:56Speaker 04

  I made just the money back. I didn't make a lot of money.

• 37:59Caleb Hammer?

  You're saying you get a thousand a day there, but you rented the booth for 500. How'd you only make the money back?

• 38:04Speaker 04

  The reason why is cuz there was a Comic Con happening like nearby.

• 38:08Caleb Hammer?

  So you wouldn't have made a thousand anyway, so why the fuck would you say that?

• 38:11Speaker 04

  Um, I'm just saying that's the reason why people go to conventions. Um, I've been to conventions a few times. I've been to like four conventions and I've always made like a good amount of money back. I think that was the first convention that was a bust for me.

• 38:23Caleb Hammer?

  Okay. So when did they, are they paying anymore?

• 38:29Speaker 04

  Um, one of them, um, we're, we're trying to see what's going on because, um, one of them is-

• 38:35Caleb Hammer?

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• 39:15Caleb Hammer?

  pay off your debt faster, and start putting money back where it belongs in your savings account. Listen, debt absolutely burdened my early twenties and it took me forever to get out of it. And something like PDS could have really helped if that solution was available to me. And getting started is easy. Just go to pdsdebt.com/hammer to complete your free debt assessment to see what options are available to you. Every day you wait, it's literally costing you more money. So get started with your free debt analysis in just 30 seconds at pdsdebt.com/hammer. That's pdsdebt.com/hammer. Take back control today by visiting pdsdebt.com/hammer.

• 39:56Speaker 04

  Well, it's, it's hard to like when you're trying to- Resolve things amicably and contact but people aren't responding. I I I'm not like a police officer. I can't go and force people to do.

• 40:05Caleb Hammer?

  When's the last time someone made a payment?

• 40:08Speaker 04

  Um, a partial payment was made for February. Yeah, so not a full.

• 40:12Caleb Hammer?

  How much?

• 40:13Speaker 04

  Uh, I would say so. Two ten was made. No, that's not all of it. Two ten and a combination of a hundred, but I think she finished paying it off with eighty-five. So I don't know.

• 40:24Caleb Hammer?

  Just one of them?

• 40:25Speaker 04

  Yeah, one of them paying on time, the other one doesn't.

• 40:27Caleb Hammer?

  Which which which which one? The shop owner?

• 40:30Speaker 04

  The one who owns the hair salon, yeah.

• 40:32Caleb Hammer?

  Okay, are you guys still doing this?

• 40:34Speaker 04

  I'm try I'm just trying to figure it out. Um.

• 40:37Caleb Hammer?

  Where are we in the process? Because it sounds like the answer would be no.

• 40:42Speaker 04

  I was trying to communicate with them regarding a contact.

• 40:46Caleb Hammer?

  Are you capable of communicating? Because like I I don't know. Are they incapable of communicating? Because listen, we're talking about since what did you say, October?

• 40:55Speaker 04

  Not October, August.

• 40:56Caleb Hammer?

  No, no, no. Since the convention.

• 40:59Speaker 04

  The convention happened technically, I think in September was after August.

• 41:03Caleb Hammer?

  So it's in September?

• 41:05Speaker 04

  Mm-hmm.

• 41:05Caleb Hammer?

  Okay.

• 41:06Speaker 04

  Yeah. Um. It's just it's just it's it's hard to try to.

• 41:11Caleb Hammer?

  Go to the salon.

• 41:14Speaker 04

  Go to the salon?

• 41:15Caleb Hammer?

  You're a security person. Go beat her. Not actually, but at least go there. That's a way to talk to someone instead of waiting for them to text four months later.

• 41:24Speaker 04

  I am a little scared to do it, so I don't want to.

• 41:26Caleb Hammer?

  Why? What is she gonna do?

• 41:28Speaker 04

  No, it's more so like, um. I was kind of raised to like, respect my elders, so it makes it hard to do confrontation with people older than me.

• 41:35Caleb Hammer?

  Her, your, what the? The respect?

• 41:39Speaker 04

  Mm-hmm.

• 41:39Caleb Hammer?

  That's not. That's not what's happening here. Respect is you can respect her as a person while still having a conversation.

• 41:46Speaker 04

  I don't.

• 41:47Caleb Hammer?

  What do you mean? Going and talking to someone is not disrespectful.

• 41:50Speaker 04

  I don't think.

• 41:50Caleb Hammer?

  What are you talking about?

• 41:52Speaker 04

  That's gonna work. I don't think they respect me.

• 41:54Caleb Hammer?

  No, you can talk to them respectfully.

• 41:57Speaker 04

  I just. Based on how the I know their personalities, I just know that's not gonna work.

• 42:02Caleb Hammer?

  Why? What's their personality?

• 42:04Speaker 04

  Um.

• 42:05Caleb Hammer?

  So they can't talk, which means you can't talk to them.

• 42:08Speaker 04

  I've I've messaged, but if they don't reply, I can't force them to reply.

• 42:11Caleb Hammer?

  You can go there. Hey, how you doing?

• 42:16Speaker 04

  I I've.

• 42:18Speaker 04

  I don't know. I'm just scared. I'm scared of the confrontation.

• 42:21Caleb Hammer?

  Well, guess what? I have a minimum payment that is driving you into negative in your checking account multiple times since the fall. This is gonna ruin you.

• 42:29Speaker 04

  I know. I thought about that a lot. Cause I.

• 42:33Caleb Hammer?

  But you've done nothing.

• 42:34Speaker 04

  I know. I talked to my mom about it.

• 42:36Caleb Hammer?

  Oh, good. Yes. One of the most invested partners into this.

• 42:39Speaker 04

  Well, no, my mom was mad at me.

• 42:41Caleb Hammer?

  Huh?

• 42:41Speaker 04

  My mom was mad at me. She.

• 42:43Caleb Hammer?

  Yes.

• 42:44Speaker 04

  Yeah. She said, why did you do that?

• 42:45Caleb Hammer?

  Yes. Why did you do it? It's dumb as.

• 42:48Speaker 04

  Yeah. Um.

• 42:49Caleb Hammer?

  She's correct.

• 42:51Speaker 04

  She is correct. Um. I don't know. I just, I'm, it's hard to explain. It's like, it just like a. The anticipation of a negative interaction repels me from going. So I'm just, I'm trying to.

• 43:04Caleb Hammer?

  Who says that has to be a negative reaction, interaction?

• 43:08Speaker 04

  I just know there's like legal stuff on with them, them too. So like.

• 43:12Caleb Hammer?

  There's legal stuff?

• 43:13Speaker 04

  Yeah.

• 43:13Caleb Hammer?

  What?

• 43:14Speaker 04

  Like, I can't really, I don't wanna like put anyone on blast. It's just, I just know they have issues and I just don't.

• 43:20Caleb Hammer?

  With each other or?

• 43:21Speaker 04

  No, just in general, like in their own personal lives. And I just don't think it'd be a good idea. Um, I know, I just know like it just went nasty. So I just, I think if we go over there, it's just, well, or if I go over there, it's just gonna be an argument. Like, I don't think it's gonna be like.

• 43:36Caleb Hammer?

  What does their legal stuff have to do with that though?

• 43:39Speaker 04

  Um, because you have, you would have to get them to sign a contract and they can just say no.

• 43:43Caleb Hammer?

  Well, yeah, you're a dumbass.

• 43:46Speaker 04

  Yeah.

• 43:47Caleb Hammer?

  Objectively.

• 43:48Speaker 04

  Just a little bit, yeah.

• 43:49Caleb Hammer?

  No, a lot of it. This has destroyed you.

• 43:54Caleb Hammer?

  Have you ever been laid on this?

• 43:56Speaker 04

  I think technically once. Um, because I.

• 44:01Caleb Hammer?

  Did you make the payment five days ago?

• 44:04Speaker 04

  Five days ago.

• 44:06Caleb Hammer?

  The payment was due five days ago. Did you make it?

• 44:09Speaker 04

  Five days ago.

• 44:11Caleb Hammer?

  Yes.

• 44:12Speaker 04

  For, I know, I think, uh, February was already paid. I'm pretty sure.

• 44:16Caleb Hammer?

  Oh, did you make your payment, Dame? That was the latest that could be paid before a fee hit.

• 44:20Speaker 04

  Yeah, yeah, yeah, yeah.

• 44:21Caleb Hammer?

  You made the payment?

• 44:22Speaker 04

  Yes, yes. You, you probably scared for a second. Yeah.

• 44:27Caleb Hammer?

  Belt? This is the card you can pay rent with, right?

• 44:31Speaker 04

  Yeah.

• 44:31Caleb Hammer?

  Which is good for people that aren't stupid with their money. I have a feeling this is not good for you. Listen, I would just do the fizz card for you. Cause it's a credit card. It's a debit card essentially, or a bill. It's a debit card that builds credit.

• 44:51Caleb Hammer?

  All that from a couple carrots, huh?

• 44:53Speaker 04

  It's because I'm really hungry.

• 44:56Caleb Hammer?

  You burp when you're hungry?

• 44:57Speaker 04

  Well, because your body's trying to eat something that's not there, so then it makes you burp. Like you swallow.

• 45:02Caleb Hammer?

  There's carrots there. Built.

• 45:05Speaker 04

  I do pay my rent with that card here and there.

• 45:09Caleb Hammer?

  Yeah, but something tells me it's because you can't afford to pay your rent. Not because you're actually receiving the benefit that is coming from it. And that's why a lot of people use this card.

• 45:18Speaker 04

  Um...

• 45:18Caleb Hammer?

  Uh huh. $1,270.23 on here. I mean, it went up from $982. No wonder you... Look, you spent $965 on here. That's more than you said you spent across the board. Across the fucking board.

• 45:33Speaker 04

  I think that was a labor from the previous month, because I haven't paid the balance.

• 45:37Caleb Hammer?

  Huh?

• 45:38Speaker 04

  From the... I said the balance from the previous month. That's why...

• 45:41Caleb Hammer?

  No, that's purchases.

• 45:42Speaker 04

  Oh, purchases. Oh.

• 45:43Caleb Hammer?

  Yes, what do you think I just said?

• 45:45Speaker 04

  Sorry, sorry, sorry.

• 45:46Caleb Hammer?

  No, no, no. I said it was more than you said in this previous month. How are you...

• 45:52Caleb Hammer?

  Okay, $21.

• 45:54Speaker 04

  Mm-hmm.

• 45:55Caleb Hammer?

  And $96 of interest accrued with a minimum monthly payment of $35. Alta, I guess to coat that face. That was probably the entire trip right there, this episode.

• 46:07Speaker 04

  I really like makeup.

• 46:11Caleb Hammer?

  No shit. Everyone's very surprised.

• 46:17Caleb Hammer?

  You look like you're in Mulan.

• 46:19Speaker 04

  Mulan. That's crazy.

• 46:21Caleb Hammer?

  Marshalls, Five Guys.

• 46:24Speaker 04

  Yeah, Five Guys. I gotta treat, I gotta treat Pookie Princess to Five Guys.

• 46:30Caleb Hammer?

  What?

• 46:31Speaker 04

  My boyfriend, Pookie Princess.

• 46:33Caleb Hammer?

  That's, that's your boyfriend is Pookie Princess?

• 46:35Speaker 04

  Well, anybody can be Pookie Princess. That's like just someone you care about is your, your Pookie Princess.

• 46:40Caleb Hammer?

  Oh, am I getting old? I don't know this. I know Pookie.

• 46:43Speaker 04

  I think, I think it's, it's just me. I swear. It's just me. It's just me. Cause I, I, even when like PD comes down to like Target, I call them Pookie Princess too.

• 46:53Caleb Hammer?

  PE?

• 46:54Speaker 04

  PD, like Police Department.

• 46:59Speaker 05

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• 47:28Caleb Hammer?

  What the fuck are you talking about? Okay, and then yes, you went to Target, got some bullshit. You're not buying anything necessary for five bucks. You're getting drinks.

• 47:40Speaker 04

  I'm trying to remember what I got. Uh.

• 47:42Caleb Hammer?

  Bullshit.

• 47:43Speaker 04

  Definitely wasn't energy drinks. I don't think so. I think, hmm, was it chocolate milk?

• 47:50Caleb Hammer?

  How the fuck would I know?

• 47:52Speaker 04

  Sorry, sorry.

• 47:53Caleb Hammer?

  How the fuck would I possibly know? How would I know?

• 47:58Speaker 04

  Well, okay, so I probably, so.

• 48:00Caleb Hammer?

  Something special.

• 48:00Speaker 04

  I can't probably tell what those drinks are, but I, there's a few times.

• 48:04Caleb Hammer?

  But I know it's bullshit is what I'm saying.

• 48:08Speaker 04

  Um, yeah, I also

• 48:09Caleb Hammer?

  You're spending money you don't have while you're going negative in your checking account because you took out a personal loan that wasn't backed by any kind of contracts that other people are supposed to pay. And now you can't afford to pay. Well, how does that make sense? How do you spend basically what you brought in last month on bull? How do you allow that? How's that acceptable? How long have you been dating your boyfriend?

• 48:28Speaker 04

  Four years.

• 48:29Caleb Hammer?

  And he's okay with this? A potential fiance, a potential marriage, he's okay with a financial disaster on the other side?

• 48:36Speaker 04

  He told me that, um, even if he tries to give me things that I should do, that it's hard to get me to listen because I'm stubborn.

• 48:46Caleb Hammer?

  I don't know if it's the stubborn part that's making it hard for you to listen, but yes, I get it.

• 48:53Speaker 04

  Cause he's not like controlling or anything. So I don't have to worry about that.

• 48:56Caleb Hammer?

  That's not what I'm saying.

• 48:58Speaker 04

  Cause some people are like, control other people's finances even when they're not married.

• 49:02Caleb Hammer?

  Yes.

• 49:03Speaker 04

  Like they'll like, I need your access to your

• 49:05Caleb Hammer?

  Why aren't you listening to him? Someone who might know what he's talking about. I don't really know, but obviously you're in the worst place and he wants you to do better. Why not listen?

• 49:12Speaker 04

  He didn't really talk too much to me about it. I think he's just

• 49:17Speaker 04

  Oh, don't you talk about, we're talking about the loan, no? Cause I did talk to him about it. We're not talking about the loan right now. We're talking about that. We're talking about the

• 49:25Caleb Hammer?

  Anything that you're doing.

• 49:27Speaker 04

  Uh.

• 49:28Caleb Hammer?

  Are you guys gonna get married?

• 49:30Speaker 04

  Hopefully.

• 49:31Caleb Hammer?

  Yeah?

• 49:32Speaker 04

  Yeah.

• 49:32Caleb Hammer?

  Why would he marry this? Uh. Why would he pull this into his life that way?

• 49:39Speaker 04

  Um, probably because he loves me.

• 49:41Caleb Hammer?

  Love, but he's gonna destroy himself. Yes.

• 49:46Speaker 04

  No, I mean, if you get legally married.

• 49:48Caleb Hammer?

  Six thousand dollars more than you made. Five thousand, more than you made.

• 49:55Speaker 04

  Well, he's also trying to get a really good job.

• 49:58Caleb Hammer?

  Good for him. And then you'll take all the money and blow it.

• 50:01Speaker 04

  No, I would not do that.

• 50:02Caleb Hammer?

  You blow more than you make. What are you expecting to happen in the end? What's your, what's your, what's your fucking path out of here? What was your little magic plan here?

• 50:10Speaker 04

  Well, I wouldn't spend his money. I don't think that's

• 50:11Caleb Hammer?

  Oh, come on.

• 50:12Speaker 04

  No.

• 50:13Caleb Hammer?

  You wouldn't even know you are.

• 50:14Speaker 04

  No, no, no, no, no.

• 50:15Caleb Hammer?

  You don't even know you're spending your own money.

• 50:18Speaker 04

  Well.

• 50:18Caleb Hammer?

  You'd get a joint account and it would all be out and you'd be like, I'm just getting a pokey little five guys.

• 50:22Speaker 04

  Well, a joint account, I think it should be only for like kids. If you're having kids together, I think it should be like your joint account for money for kids and then you're all.

• 50:29Caleb Hammer?

  What? That's an interesting new qualification for a joint account.

• 50:32Speaker 04

  Well, I'm saying that's what it should be. I'm not saying that's like a rule. So I am, I am.

• 50:37Caleb Hammer?

  I'm just saying if you get access to his money, he's gonna spend it. But not only that, but you're gonna have debt, you're gonna bring debt into the relationship. Is he legally required to pay it? No, not necessarily. Unless he's on the debt and there gets complications, blah, blah, blah. So all these different things. However, in the end, he will feel like he should pay it. Because uh oh, this is my second half and you're making your debt worse and worse and worse every single month, worse and worse and worse and worse, again into stupid and stupid business deals. Why would he bring that into his life that way? In a more permanent fashion, in a more risky fashion? What if you use his credit or something? Just because you just think that's a normal thing to do and then you just.

• 51:14Caleb Hammer?

  Apply to bullshit. Some dumb new business venture.

• 51:18Speaker 04

  Um, well, probably because he wants to have his babies.

• 51:31Caleb Hammer?

  He might just be a little horny.

• 51:33Speaker 04

  Well, look at me.

• 51:37Caleb Hammer?

  Yes. We all know. Everyone is aware.

• 51:44Caleb Hammer?

  But I don't know if he's gonna absolutely destroy his life.

• 51:49Caleb Hammer?

  Unless he's the.

• 51:51Speaker 04

  I think, I think.

• 51:51Caleb Hammer?

  Testosterone is making him go there.

• 51:53Speaker 04

  I think we, I think it's worth if we have like ginger babies.

• 51:58Caleb Hammer?

  Is he a ginger?

• 51:59Speaker 04

  And his family runs, and his family and mine too.

• 52:00Caleb Hammer?

  Is he a ginger?

• 52:01Speaker 04

  His mom's a ginger.

• 52:02Caleb Hammer?

  Is he a ginger?

• 52:04Speaker 04

  He's, I don't know if this makes sense. He's half ginger.

• 52:06Caleb Hammer?

  What's your real hair color? Cause I know that is.

• 52:09Speaker 04

  Brown. No, I know. The roots are growing out. I know, I know. I have, I have to re-diet soon, but I've been putting it off.

• 52:18Caleb Hammer?

  Yep. Okay.

• 52:21Speaker 04

  Um, I know a lot of time when I go to Target, I like to get press on nails. Um.

• 52:29Caleb Hammer?

  What is it? Just a new, just every time you go in, that's your little sweet treat? Little press on sweet treat?

• 52:35Speaker 04

  Yeah, I, you can all, well, the best way to do it is to get press on nails and then you can just paint stuff on top of it.

• 52:42Caleb Hammer?

  Bring them over here.

• 52:43Speaker 04

  They're not that great. They're outgrown. My favorite ones were the Sanrio ones.

• 52:47Caleb Hammer?

  Nails, okay. So that's a special little thing that you have to, no more carrots.

• 52:52Speaker 04

  No, no, no, no carrots. I got something for you.

• 52:57Caleb Hammer?

  Okay. What?

• 53:02Caleb Hammer?

  Olive and June, I don't know what this is.

• 53:04Speaker 04

  They're press on nails. We're gonna put them on you.

• 53:05Caleb Hammer?

  What am I supposed to, I, this is not your show. We're gonna put this on you. What are you even talking about?

• 53:15Speaker 04

  I know it's not your color, but.

• 53:17Caleb Hammer?

  What would my color be?

• 53:18Speaker 04

  I would say definitely green, like a light.

• 53:23Caleb Hammer?

  How much you spend on this on a monthly basis?

• 53:25Speaker 04

  Hmm, I think a pack of them could be like nine dollars. It could be eighteen if you buy two.

• 53:31Caleb Hammer?

  Oh my.

• 53:31Speaker 04

  At sale, I know sometimes they're on.

• 53:33Caleb Hammer?

  They're telling me to put it on. They're pressuring me.

• 53:35Speaker 04

  I think they're right.

• 53:37Caleb Hammer?

  That kid, do I get to take them off? Are they easy to take off?

• 53:39Speaker 04

  Yeah, of course.

• 53:40Caleb Hammer?

  How easy to take off?

• 53:41Speaker 04

  Um, just don't put too much glue on it and it.

• 53:43Caleb Hammer?

  I don't know.

• 53:44Speaker 04

  I'll tell you, don't worry. I can help you. I can help you.

• 53:48Caleb Hammer?

  You are building this up by, is this what you're getting for fucking Alta?

• 53:53Speaker 04

  Oh, no, no, no.

• 53:53Caleb Hammer?

  Nine hundred sixty-five, oh, this is your Target thing? Nine hundred sixty-five dollars is what you spent? Nine hundred sixty-five dollars?

• 54:02Caleb Hammer?

  That is almost what came in last month and you added that to a credit card that you can't pay off while you're negative in a checking account? While you're giving out loans that you can't.

• 54:13Caleb Hammer?

  Fine, do a couple.

• 54:14Speaker 04

  Do a couple?

• 54:15Caleb Hammer?

  I don't care.

• 54:16Speaker 04

  Okay.

• 54:17Caleb Hammer?

  I've never done anything like this.

• 54:18Speaker 04

  Hold on, I need to eat a carrot, give me a second.

• 54:21Caleb Hammer?

  No, fuck your carrots, stop with the carrots.

• 54:23Speaker 04

  Nooo.

• 54:24Caleb Hammer?

  Stop with the carrots, no one gives a shit with the carrots, just don't crunch into the mic.

• 54:27Speaker 04

  Okay.

• 54:27Caleb Hammer?

  You're a little weird person. Okay, let's see what fucking $965 of spending and $21 of interest is worth.

• 54:35Speaker 04

  It's not my favorite.

• 54:36Caleb Hammer?

  At 28.49%.

• 54:38Speaker 04

  It's not my favorite brand, but...

• 54:42Speaker 04

  Because the Kiss brand is better, but...

• 54:43Caleb Hammer?

  Am I gonna have the desire to get pegged once I get these on?

• 55:01Caleb Hammer?

  You could have been a Twitch girl. You look like it.

• 55:03Speaker 04

  I really like video games specifically.

• 55:05Caleb Hammer?

  Pen, I can't pick up the pen.

• 55:08Speaker 04

  You gotta...

• 55:10Speaker 04

  I really like horror games specifically, I know I'm anticipating the release of several Silent Hill games that are coming out. Um, I don't know when they're gonna be released though, there's like four of them, one of them was already released, it was a remake.

• 55:20Caleb Hammer?

  You don't have money!

• 55:28Caleb Hammer?

  You don't have money! I don't give a... How long does this take? No, wrong one.

• 55:40Caleb Hammer?

  Did I throw that card? How the fuck do women operate?

• 55:44Caleb Hammer?

  This is impossible! How long does that last card take to pay off, only doing the minimum monthly payments? The belt card, if you don't purchase anything, and all you do is purchase, so how long does it take to pay off?

• 55:56Speaker 04

  I'm hoping to pay half of it soon, or most of it, I'm just waiting, um...

• 56:03Caleb Hammer?

  How long does it take to pay off? Minimum monthly payments only!

• 56:09Speaker 04

  Um, I think it's less than a year.

• 56:11Caleb Hammer?

  Nine years!

• 56:13Speaker 04

  Oh.

• 56:13Caleb Hammer?

  Nine fucking years, you'll be thirty-two.

• 56:17Speaker 04

  That's, uh, I mean, that's not that old.

• 56:23Speaker 04

  You gotta do with Grace.

• 56:24Caleb Hammer?

  Target.

• 56:26Speaker 04

  I love Target.

• 56:27Caleb Hammer?

  Yeah, you don't you work there?

• 56:29Speaker 04

  Yeah.

• 56:29Caleb Hammer?

  They should be giving you money, not you giving them literal credit card debt.

• 56:33Speaker 04

  I know.

• 56:34Caleb Hammer?

  You have a balance, well, it's a small balance. Do you pay this off every month?

• 56:38Speaker 04

  Uh, more or less, cuz it's easier to.

• 56:39Caleb Hammer?

  More or less?

• 56:41Speaker 04

  Um, because there's a balance on it now.

• 56:42Caleb Hammer?

  But do you?

• 56:43Speaker 04

  Yes, yes, yes, yes, yes.

• 56:45Caleb Hammer?

  You sure? Every time?

• 56:46Speaker 04

  I would say ninety percent of the time cuz there's.

• 56:48Caleb Hammer?

  Why the would you ever pay interest on this? Lady, lady, why? Why would you ever pay interest on this? I don't really get it.

• 56:53Speaker 04

  Cuz technically, uh, it looks better when you have a debt and then pay it off instead of paying it off immediately, I think. I'm pretty sure.

• 57:08Speaker 04

  This is way too sensual, I feel.

• 57:11Caleb Hammer?

  You don't need to be here. Okay, so I'm not gonna put this down as a debt then, but you're purchasing so much on here. She's not doing the other hand. She is not. Oh, my gosh, dude. These are all both purchases cuz it's.

• 57:30Caleb Hammer?

  It's so stupid. It's so much. What? What clothes? Why are you getting something? You're getting clothes every day?

• 57:34Speaker 04

  Okay, okay, listen, listen, listen.

• 57:35Caleb Hammer?

  This is half, half the days of the month. Half of the days of the month.

• 57:40Speaker 04

  Hear me out, hear me out. Listen. Sometimes I'll buy things and then immediately return it.

• 57:46Caleb Hammer?

  Yeah, but I haven't any returns on here, so I don't know what the you're talking about.

• 57:50Speaker 04

  There should be some funds being. Cuz I bought gym clothes and I returned them.

• 57:56Caleb Hammer?

  Nope.

• 57:57Speaker 04

  Is that on the Target one? Yeah.

• 57:59Caleb Hammer?

  Nope.

• 58:01Caleb Hammer?

  Nothing returned on here.

• 58:04Caleb Hammer?

  Nothing returned on here. Where's your returns? I don't see any returns. What are you talking about? Why are you returning everything?

• 58:10Speaker 04

  It's more or less because like if I need something and like if I wanted to go to the gym afterward.

• 58:14Caleb Hammer?

  You purchase on the Target app?

• 58:15Speaker 04

  Yeah.

• 58:16Caleb Hammer?

  Let me see.

• 58:17Speaker 04

  Don't look at the, don't look at the newest one. Don't look at it.

• 58:20Caleb Hammer?

  What? The fuck? Headset?

• 58:22Speaker 04

  Yeah, the chromie headset.

• 58:24Caleb Hammer?

  Yeah, you're a little bit of a freak, but we already know that.

• 58:27Speaker 04

  It's just the, the number next to it, that's it.

• 58:28Caleb Hammer?

  Yeah, it's a hundred and eighteen dollars. You're negative in your ticket account and you're.

• 58:33Caleb Hammer?

  This is stupid dude.

• 58:35Speaker 04

  It's limited edition, sorry.

• 58:37Caleb Hammer?

  Limited edition, who gives a f**k? This is all stupid. It's bullsh**.

• 58:43Speaker 04

  I know, I should be, I should be a booster with Hello Kitty.

• 58:49Caleb Hammer?

  The first clothing thing was at the beginning of this month, so you're not returning all the clothes. I said stop, give me, give me that. Give? Give? Give? Give? Give!

• 59:03Caleb Hammer?

  Give? They're gone.

• 59:08Caleb Hammer?

  Stop, you're crunching into the mic, you're being weird, man. Okay, stop trying to be a character. Are we here to fix your finances?

• 59:15Speaker 04

  Yeah.

• 59:16Caleb Hammer?

  We can have fun, but are we here to fix your f**k finances?

• 59:19Speaker 04

  I feel like we're-

• 59:19Caleb Hammer?

  Focus up!

• 59:20Speaker 04

  I'm focusing.

• 59:22Caleb Hammer?

  Chase card, Amazon account, great. Yeah, the last thing you need is- Okay, it looks like this one's paid off every month too. So we're really dealing with like those two aggressively bad ones at the beginning. But a hundred sixty-four dollar balance, we're not really, you pay that off on a monthly basis. But it was a hundred sixty-four dollars purchases and seventy-five cents. And it's Amazon, Amazon. Okay, pull up your Amazon app, let's see it. Twenty-six percent interest, no fees. You pay this off every month?

• 59:44Speaker 04

  Yeah.

• 59:45Caleb Hammer?

  Is it a more or less, or do you pay it off every month?

• 59:48Speaker 04

  To be fair, I do share-

• 59:49Caleb Hammer?

  No? How would you answer the question to be fair? What the f**k?

• 59:52Speaker 04

  I share an Amazon account with my mom.

• 59:53Caleb Hammer?

  Hey you! Look at me! My job is to sit right here and be the absolutely stunning figure that I am. And some things I just can't help, like my incredible ass, which is why you're all here, of course. But also, some things are in my control. For example, the pearly whites. I yap a lot, and some would say too much, so I get it. But listen, if I'm gonna yap, my teeth may as well look pretty damn good. I drank a lot of coffee to get through these audits, and I started noticing some staining on my teeth. So I've partnered with today's sponsor, Aura Glow. And they brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten, but they do it sensitivity-free.

• 1:00:35Caleb Hammer?

  And that's always been why I can't use these types of products for long, due to my sensitive teeth. Seriously, these things are incredible. Make sure to go to Amazon and get the Aura Glow Teeth Whitening Strips, or click the link in the description below, so your yap sessions can be just as confident as mine, with stunning white teeth. Do you pay it off every month? I don't give a f**k. You pay it off every month is all I care about, because it's in your name.

• 1:00:58Speaker 04

  Yes.

• 1:00:59Caleb Hammer?

  Show me.

• 1:01:02Speaker 04

  You want me to bring up, because Amazon and Chase are separate technically, because it's through Chase Bank? And then-

• 1:01:08Caleb Hammer?

  The Amazon app where you purchase things.

• 1:01:10Speaker 04

  Okay, okay, but the purchases are also gonna be my mom's purchases and she pays with their own card.

• 1:01:13Caleb Hammer?

  That's okay!

• 1:01:14Speaker 04

  Okay, okay, hold on.

• 1:01:15Caleb Hammer?

  All these glove things and-

• 1:01:18Speaker 04

  That's my mom.

• 1:01:19Caleb Hammer?

  Little artistry things and-

• 1:01:22Speaker 04

  My mom's a crafter.

• 1:01:23Caleb Hammer?

  Clothing and coffee and cowboy hat. You don't have any subscriptions.

• 1:01:28Speaker 04

  I don't.

• 1:01:29Caleb Hammer?

  I'm actively surprised.

• 1:01:30Speaker 04

  But that's not true, actually that's a lie. I do.

• 1:01:32Caleb Hammer?

  Okay, well, nothing subscriptions on there.

• 1:01:34Speaker 04

  I have X- an Xbox membership, um, for the game pass.

• 1:01:39Caleb Hammer?

  There is more gaming.

• 1:01:40Speaker 04

  I was thinking about turning it off because I'm like, not really into Xbox anymore. It's all about Playstation. But, I do have a gym membership, but that does, that does get reimbursed every year, um, because of my health insurance.

• 1:01:50Caleb Hammer?

  And I'm okay with gyms, anyway.

• 1:01:53Speaker 04

  I get like, I get a back, because my Blue Cross Blue Shield, shout out.

• 1:01:57Caleb Hammer?

  Okay, what is this?

• 1:02:00Speaker 04

  Put it straight, second, let me get it.

• 1:02:04Caleb Hammer?

  What is this? Sorry.

• 1:02:06Speaker 04

  Oh, no, no, yeah, yeah, yeah.

• 1:02:07Caleb Hammer?

  What is a nine thousand seven hundred ninety-seven dollar and fifty-four cent balance?

• 1:02:11Speaker 04

  Um, can I look at that, or no?

• 1:02:13Caleb Hammer?

  Oh my, you don't know what your third loan is, out of three?

• 1:02:18Speaker 04

  Nine thousand.

• 1:02:19Caleb Hammer?

  Is it the car? You said you had a car!

• 1:02:20Speaker 04

  Yeah, yeah, yeah, I'm sorry, I'm sorry. I, I forgot that I've been paying it off, because I remember it being significantly higher. Because it started off at eighteen thousand, now it's at nine thousand, that's why I got a little confused, yes.

• 1:02:59Speaker 04

  For my car. My Subaru, my Subaru Impreza.

• 1:03:03Caleb Hammer?

  Ooh, I need someone to just come in here and just like, double hand this. Oh man, this is nice. What?

• 1:03:10Speaker 04

  I was, I don't know. There's no one else in the room.

• 1:03:13Caleb Hammer?

  Yes, there is. Lindsay and Jacob are both back there, and I'll take both of them.

• 1:03:18Caleb Hammer?

  Nine thousand seven hundred and ninety seven dollars and fifty four cents is your car. It's at a ten point three nine interest rate. You didn't need this car. You got rid of your last car.

• 1:03:26Speaker 04

  I know, I should have got a

• 1:03:29Caleb Hammer?

  When did you get this?

• 1:03:30Speaker 04

  Uh, I would say three years ago.

• 1:03:32Caleb Hammer?

  What's it worth?

• 1:03:34Speaker 04

  Originally, I had bought

• 1:03:35Caleb Hammer?

  What's it worth?

• 1:03:36Speaker 04

  Twenty thousand.

• 1:03:37Caleb Hammer?

  No, it's not. Right now? What's it worth?

• 1:03:41Speaker 04

  I don't know.

• 1:03:41Caleb Hammer?

  Do you have your VIN?

• 1:03:43Speaker 04

  Not on me. I think

• 1:03:44Caleb Hammer?

  Do you know it?

• 1:03:45Speaker 04

  Not by memory.

• 1:03:46Caleb Hammer?

  Do you have it somewhere? Here?

• 1:03:48Speaker 04

  Yes.

• 1:03:48Caleb Hammer?

  We don't need it. It's okay. It's until the end of the decade until you pay this off. Minimum monthly payment. Two hundred and sixty one. So you include that with your first and your second and we're already Almost seven hundred dollars in minimum monthly payments. I don't know if I can afford that one. Last month you borrowed a thousand two hundred or whatever.

• 1:04:06Speaker 04

  Yeah, I

• 1:04:09Caleb Hammer?

  So you spend more than you make on a monthly basis and why your debt's going up?

• 1:04:12Speaker 04

  My debt to income ratio is not good. That is true.

• 1:04:16Caleb Hammer?

  Why are you here?

• 1:04:17Speaker 04

  Um, I do wanna kinda get better with budgeting cuz I know if you

• 1:04:20Caleb Hammer?

  Better with budgeting. You haven't even started budgeting though.

• 1:04:23Speaker 04

  I know, but get us

• 1:04:24Caleb Hammer?

  But that's not better with budgeting. Why haven't you at least just started?

• 1:04:27Speaker 04

  Um, I I think I've just been putting it off cuz it's Just inconvenient. I'm gonna be honest.

• 1:04:34Caleb Hammer?

  How? Isn't being in debt inconvenient? Isn't having negative money in your checking account inconvenient? What are you talking about?

• 1:04:39Speaker 04

  Well, just cuz it's involving other people. It's not just myself.

• 1:04:42Caleb Hammer?

  Your budget?

• 1:04:44Speaker 04

  Well, no, like cuz the loan and stuff like that. So.

• 1:04:48Caleb Hammer?

  What?

• 1:04:49Speaker 04

  Um, cuz that one involves other people.

• 1:04:52Caleb Hammer?

  So it's less inconvenient because it involves other people?

• 1:04:54Speaker 04

  Having to tackle that specifically, that is inconvenient. But everything else, I I definitely have bad habits here. I can't help it. I'm I am a makeup girly and I'm a gamer. Gamer girly.

• 1:05:10Caleb Hammer?

  Gamer girly. What the fuck are you talking about? You spent six thousand dollars.

• 1:05:13Speaker 04

  That's girl math.

• 1:05:14Caleb Hammer?

  You spent five. It's not girl math. It's stupid. It's stupid. You spent five thousand dollars more than you made.

• 1:05:22Caleb Hammer?

  Like, I don't know at that point.

• 1:05:24Speaker 04

  I was thinking-

• 1:05:25Caleb Hammer?

  That's that girl math.

• 1:05:26Speaker 04

  I was thinking about donating plasma.

• 1:05:29Caleb Hammer?

  It's not, uh, listen, your income's not great. You live with your boyfriend, you guys split rent?

• 1:05:33Speaker 04

  Yeah, we are hoping to leave there soon, um-

• 1:05:35Caleb Hammer?

  Okay, and go where?

• 1:05:37Speaker 04

  To take out a mortgage for a house, but we're still trying to get-

• 1:05:40Caleb Hammer?

  You won't be on it, will you?

• 1:05:42Speaker 04

  Yeah.

• 1:05:42Caleb Hammer?

  No, he's doing it. This is what I told him. Do not let the fucking-

• 1:05:47Speaker 04

  He's doing it, he's trying to see if he can-

• 1:05:48Caleb Hammer?

  Pair get to you. It, buddy, if you are watching this, no, you cannot allow her to be on a mortgage with you, man. You cannot allow her to be on a mortgage with you. You're lucky, you have like a hundred dollars of equity in this car. It's worth about nine thousand eight hundred twenty-eight dollars, okay? Okay.

• 1:06:10Caleb Hammer?

  But the interest rate's horrible. You cannot get on a mortgage with him. He cannot, first of all, you're gonna like bring down his rates.

• 1:06:19Speaker 04

  Yeah, we're, we're both thinking about getting second jobs.

• 1:06:23Caleb Hammer?

  How's the car doing?

• 1:06:24Speaker 04

  It's pretty good. I, I would say it's slight damage-

• 1:06:26Caleb Hammer?

  How many miles?

• 1:06:28Speaker 04

  I think it's-

• 1:06:30Caleb Hammer?

  And what's the damage?

• 1:06:32Speaker 04

  Four, it's either forty-eight, fifty or something thousand or something.

• 1:06:35Caleb Hammer?

  What's the damage?

• 1:06:36Speaker 04

  Uh, hit and run, someone hit my, front of my car while I was at work, um-

• 1:06:41Caleb Hammer?

  At least you have airbags with you wherever you go.

• 1:06:43Speaker 04

  Yeah, it's not like too bad, it's just like there's a scrape in my car, but everything else is fine.

• 1:06:49Speaker 04

  I was working a sixteen hour shift, I come back and my car has a scratch in it.

• 1:06:53Caleb Hammer?

  Is that all your debt?

• 1:06:54Speaker 04

  Uh-

• 1:06:55Caleb Hammer?

  Three debts, really?

• 1:06:57Speaker 04

  I feel like there might be an additional one we're forgetting about.

• 1:07:00Caleb Hammer?

  What? It would be yours, I don't know, I don't have your fucking life in front of me.

• 1:07:06Speaker 04

  Cause there's the, the loan, the car, um, credit cards, I think that should be everything.

• 1:07:13Caleb Hammer?

  Hmm, I mean, you have a current balance, well, at the time of this statement of a thousand eight hundred twenty-seven.

• 1:07:18Speaker 04

  Yeah, that's cause it's rent, cause, um, cause I have to pay seven something for rent.

• 1:07:23Caleb Hammer?

  So this is having enough in there for rent?

• 1:07:27Caleb Hammer?

  Okay, Venwing out ten dollars and sixty-one cents, Microsoft Ultimate twenty-one dollars and twenty-four cents-

• 1:07:33Speaker 04

  Game Pass.

• 1:07:36Speaker 04

  Practice.

• 1:07:37Caleb Hammer?

  Yeah, it's gonna take me a second. Cheers?

• 1:07:40Speaker 04

  Cheers.

• 1:07:40Caleb Hammer?

  Liquor?

• 1:07:41Speaker 04

  No, no, no, actually, no, that's for, um, therapy.

• 1:07:46Speaker 04

  Or no, is it Cheers Liquor? Sorry, I've, my bad.

• 1:07:54Caleb Hammer?

  You went and got some bullshit from Target.

• 1:07:56Speaker 04

  That's true.

• 1:07:57Caleb Hammer?

  More bullshit from Target, and we've done that endlessly. There's-

• 1:07:59Speaker 04

  I love Target.

• 1:08:00Caleb Hammer?

  There's more liquor in PayPal, out $2.96. Oh my, what?

• 1:08:05Speaker 04

  To be fair, when I, I usually get reimbursed for when I would go do liquor runs, that's not for me. I said one of them-

• 1:08:10Caleb Hammer?

  Wait, but the deposit's $3,000 of it was from F- from F- Fidelity! What was that?

• 1:08:16Speaker 04

  That was, uh-

• 1:08:19Caleb Hammer?

  What?

• 1:08:20Speaker 04

  That was an old 401K that I had.

• 1:08:22Caleb Hammer?

  No, no!

• 1:08:23Speaker 04

  From when I was 18.

• 1:08:24Caleb Hammer?

  No, no, that's incredible! That's incredible from 18! From 18 is exactly what you want! From 18 is exactly what you want! 18 to 59 and a half, the compound growth on that shit is incredible! Incredible! You would draw it? You would draw it all?

• 1:08:43Speaker 04

  Yeah.

• 1:08:44Caleb Hammer?

  No! That, that $3,000 would've been like, $25,000!

• 1:08:50Speaker 04

  Yeah, it was, it stopped coming-

• 1:08:52Caleb Hammer?

  What are you doing?

• 1:08:53Speaker 04

  It was sitting in a, a rollover, a IRA rollover. Because I was working at Chipotle when I was 18, and I'm obviously now-

• 1:09:02Caleb Hammer?

  Why'd you pull it out? Why the f- possibly? I know you didn't make enough money, you spent way more than you made, but why the f- did you possibly pull it out?

• 1:09:09Speaker 04

  Via PC.

• 1:09:11Caleb Hammer?

  Oh my f- so you're not getting rid of Game Pass? PC! I thought I'm a Playstation girl now, what the f-

• 1:09:18Speaker 04

  So, you can actually use the Game Pass on PC?

• 1:09:21Caleb Hammer?

  That's why I said you're not getting rid of it!

• 1:09:23Speaker 04

  Yeah, I-

• 1:09:24Caleb Hammer?

  Oh my gosh, do you, you can't, you don't comprehend a lot of, half the things that are said to you. I need to call that out, so that you can be more conscious of it.

• 1:09:32Speaker 04

  My therapist said I'm a little slow.

• 1:09:36Speaker 04

  Not like, not like mentally delayed, but like, hearing slow, like-

• 1:09:45Caleb Hammer?

  Okay. So you got a brand new PC even though you're a...

• 1:09:49Speaker 04

  As different as rainbow color.

• 1:09:51Caleb Hammer?

  Great, but you said you're a... You said you're a, uh... Playstation girl.

• 1:09:58Speaker 04

  Well, my boyfriend bought the Playstation for me, so I didn't have to buy it.

• 1:10:02Caleb Hammer?

  Yeah, but why do you need to [bleep] see that? Yes, it's better, but you said you're on Playstation, that's your thing.

• 1:10:07Speaker 04

  Most of it was, um, I wanted to use it for video editing. I, I...

• 1:10:11Caleb Hammer?

  Oh, what the [bleep]? What video editing do you do?

• 1:10:15Speaker 04

  I, I, it used to be a little TikToker, but now I'm trying to move to YouTube.

• 1:10:20Caleb Hammer?

  Oh, you are?

• 1:10:22Speaker 04

  Um...

• 1:10:22Caleb Hammer?

  Like, I'm here promoting yourself because you're using a fake name, so we're certainly not gonna share anything.

• 1:10:26Speaker 04

  Oh, no, no, no.

• 1:10:26Caleb Hammer?

  What do you mean TikTok?

• 1:10:27Speaker 04

  Um...

• 1:10:27Caleb Hammer?

  What do you... How many followers did you have on TikTok?

• 1:10:30Speaker 04

  Over a hundred K and I...

• 1:10:32Caleb Hammer?

  Oh, that's actually, that's great.

• 1:10:33Speaker 04

  So, I needed like two monitors and... But I don't know how to make the second one work, so it's low-key useless, um...

• 1:10:41Caleb Hammer?

  You don't know how to make the second one work?

• 1:10:43Speaker 04

  I bought a bunch of cords.

• 1:10:44Caleb Hammer?

  You have a boyfriend, though?

• 1:10:45Speaker 04

  I know.

• 1:10:46Caleb Hammer?

  At least a second set of eyes.

• 1:10:47Speaker 04

  I did buy a new desk because I was using a...

• 1:10:49Caleb Hammer?

  Ah!

• 1:10:50Speaker 04

  I was using an old desk that my mom gave me.

• 1:10:52Caleb Hammer?

  You pulled out of a 401K to do this, not to survive? Not to put a down payment on the house?

• 1:10:58Speaker 04

  Um, to be fair, like... A thousand for a desk, a new PC, keyboard, mouse, oh, that's pretty good.

• 1:11:06Caleb Hammer?

  Oh, for video editing? You didn't need this whole PC? Did you have a computer?

• 1:11:10Speaker 04

  Hmm, no. I haven't had a...

• 1:11:12Caleb Hammer?

  Where the [bleep] did you get that from? Where the [bleep] did you get that from?

• 1:11:20Caleb Hammer?

  What's your PC? What are the specs? Save this conversation.

• 1:11:24Speaker 04

  Um, I don't have the specs memorized right now. I can look it up.

• 1:11:28Caleb Hammer?

  What is the processor?

• 1:11:31Caleb Hammer?

  You don't even know. What's the GPU? That's gonna be primary.

• 1:11:34Speaker 04

  I know, I know, it's high.

• 1:11:35Caleb Hammer?

  For video editing, the GPU is gonna be the biggest part. What's your GPU?

• 1:11:39Speaker 04

  I don't know.

• 1:11:40Caleb Hammer?

  You don't know your [bleep] GPU?

• 1:11:41Speaker 04

  I don't have it memorized.

• 1:11:43Caleb Hammer?

  Yes, that even just...

• 1:11:44Speaker 04

  It's a good, I know it's good, because I looked up all this stuff before.

• 1:11:46Caleb Hammer?

  But you don't know what anything is, so I don't know if you would know.

• 1:11:48Speaker 04

  I looked it up before I bought it.

• 1:11:50Caleb Hammer?

  Yeah, but who knows what [bleep] you looked at when you looked it up?

• 1:11:54Caleb Hammer?

  I have to take a [bleep].

• 1:11:57Caleb Hammer?

  So what's in your retirement today?

• 1:11:59Speaker 04

  I don't think I have a retirement account set up at zero. I was supposed to set it up-

• 1:12:04Caleb Hammer?

  So again, what are you here for?

• 1:12:07Caleb Hammer?

  What's your intentions here?

• 1:12:08Speaker 04

  I do generally think... There's, I can learn some things from here, but I feel like maybe there's a little bit of some, what's the term? Not boundaries, stuff getting in the way.

• 1:12:23Caleb Hammer?

  Oh, stuff getting in the way of you learning?

• 1:12:25Speaker 04

  My therapist said I'm a little slow.

• 1:12:27Caleb Hammer?

  What possibly?

• 1:12:28Speaker 04

  So, I'm hoping to figure all this stuff out so I can start a family and then pursue like social media.

• 1:12:35Caleb Hammer?

  You wanna start a family?

• 1:12:37Speaker 04

  And pursue social media.

• 1:12:38Caleb Hammer?

  Not yet, no, you're not in a position for either of those things. You can't even afford to pay your own bills. You're spending more than you make. You're taking money from retirement.

• 1:12:45Speaker 04

  And-

• 1:12:46Caleb Hammer?

  There is no way for you possibly, possibly to start a family, get a house-

• 1:12:50Speaker 04

  I grew up-

• 1:12:51Caleb Hammer?

  Why are you pursuing social media? What the fuck do you do? What's your talent?

• 1:12:54Speaker 04

  Art.

• 1:12:55Caleb Hammer?

  TikTok is easy to get, is that how you got following on TikTok was art?

• 1:12:58Speaker 04

  Yeah, so-

• 1:12:59Speaker 00

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola, para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 1:13:29Caleb Hammer?

  Is that why you got following on TikTok was art?

• 1:13:31Speaker 04

  Yes.

• 1:13:32Caleb Hammer?

  Let me see.

• 1:13:33Speaker 04

  You want me to, with the TikTok or?

• 1:13:35Caleb Hammer?

  Yes.

• 1:13:36Speaker 04

  You can have, let me see, right here.

• 1:13:38Caleb Hammer?

  Art. I'm not five.

• 1:13:43Speaker 04

  Don't look at the ones of me, those are bad. Only the R ones.

• 1:13:47Caleb Hammer?

  Well, that's what I'm trying to understand. You're not here to plug your shit.

• 1:13:52Speaker 04

  Um, I'm not allowed to.

• 1:13:53Caleb Hammer?

  Exactly.

• 1:13:55Speaker 04

  No, my voice, don't do that.

• 1:13:58Speaker 04

  Don't, lower, lower it, please. I hate my son of my own voice.

• 1:14:01Caleb Hammer?

  I'm just going through here and I don't understand why you have followers?

• 1:14:07Speaker 04

  Oh dude! No, Seb, you're looking at all the bad ones.

• 1:14:12Caleb Hammer?

  You're kind of attractive when you look like a normal human being.

• 1:14:14Speaker 04

  That's so mean.

• 1:14:16Caleb Hammer?

  What? Isn't that a compliment? Why are you sharing screenshots of people, of people? Conversations.

• 1:14:21Speaker 04

  What are you talking about?

• 1:14:23Caleb Hammer?

  Got screenshots?

• 1:14:25Speaker 04

  Oh, no, that's so, there was like an art drama that happened involving someone trying to spread misinformation about another artist, so I was like in that.

• 1:14:32Caleb Hammer?

  Why the?

• 1:14:35Caleb Hammer?

  You're one of the weird internet?

• 1:14:37Speaker 04

  Yes, I am.

• 1:14:38Caleb Hammer?

  Drama people?

• 1:14:38Speaker 04

  Mm-hmm.

• 1:14:39Caleb Hammer?

  I don't know if I want you to be here.

• 1:14:41Speaker 04

  Well, that's a long time ago.

• 1:14:42Caleb Hammer?

  Well, your YouTube is basically nothing.

• 1:14:44Speaker 04

  Yeah, I haven't posted in a while. I've been...

• 1:14:47Caleb Hammer?

  Well, I mean, a month, but that's, it's like your YouTube is...

• 1:14:50Speaker 04

  I know it's going down because I haven't been posting the content that they like.

• 1:14:53Caleb Hammer?

  No, your content is just...

• 1:14:58Caleb Hammer?

  You're just drawing things?

• 1:15:00Speaker 04

  So that, that's art.

• 1:15:01Caleb Hammer?

  I don't, okay, I don't know. Yeah, you can pull out a 401K for a gaming PC. I mean, at that point, I just don't understand. And you can't describe to me what you want, so like, I honestly, I'm not gonna do it. I, I'm gonna finish this, but I have almost no desire to because you can't actually adequately describe what you want. And I only want to talk to people who want help. Even if they're a little freaky, but you're not even able to describe what you want out of this.

• 1:15:28Speaker 04

  Well, I definitely wanna, I do wanna have a better future than when I...

• 1:15:33Caleb Hammer?

  What can I do?

• 1:15:35Speaker 04

  Um, I know you said you were gonna present all these tools and...

• 1:15:39Caleb Hammer?

  Yes, you get our classes, you get all our classes for free, you get Simple Budget for free. We can give you free, free therapy sessions with Sondermine. I can get you a course career certification. All the stuff that our audience loves, all the stuff that I love. Yes. That's the reason you came on?

• 1:15:54Speaker 04

  I think it's if you can get opportunities to be better, regardless of how slowly they might be, I think they're productive.

• 1:16:00Caleb Hammer?

  What about this conversation?

• 1:16:02Speaker 04

  I think acknowledging that you have a problem is the first step of being better.

• 1:16:06Caleb Hammer?

  So you're not listening to anything I'm saying then? So we're not making an impact right now?

• 1:16:10Speaker 04

  This is an impact. Um, you give a lot of tough love.

• 1:16:13Caleb Hammer?

  What do you want from me?

• 1:16:15Speaker 04

  I want a better understanding of how to improve my debt over time.

• 1:16:19Caleb Hammer?

  Okay.

• 1:16:20Speaker 04

  Mm-hmm.

• 1:16:21Caleb Hammer?

  What about the retirement front? Because you just f***ed it.

• 1:16:24Speaker 04

  I was, uh, waiting, well, obviously it's past the time. I know some 401Ks, you have to wait till you're over 21. But now, obviously, I'm 23, so, um...

• 1:16:36Caleb Hammer?

  Is that what the point of a 401k is to save for a few years?

• 1:16:40Speaker 04

  No, I'm just saying like-

• 1:16:41Caleb Hammer?

  Then what the f**k are you talking about?

• 1:16:42Speaker 04

  I'm just-

• 1:16:43Caleb Hammer?

  When did you pull from your 401k? Oh, it was that last month's statement?

• 1:16:46Speaker 04

  Yeah.

• 1:16:46Caleb Hammer?

  What, how long have you been on this channel, knowing we existed?

• 1:16:49Speaker 04

  Just a little bit.

• 1:16:50Caleb Hammer?

  Was it before or after that?

• 1:16:53Speaker 04

  Um, I would say after.

• 1:16:58Caleb Hammer?

  That's insane, dude. That is f**king crazy. And then this PayPal's TikTok shop, Adobe, Best Buy, McDonald's. There's your fast food. Best Buy is 191, Adobe's 280. The f**k- Huh? TikTok shop 193, what?

• 1:17:14Speaker 04

  That was the desk.

• 1:17:15Caleb Hammer?

  A TikTok shop?

• 1:17:17Speaker 04

  It was nice.

• 1:17:21Speaker 04

  I used to, I used to get free stuff from TikTok, but then TikTok got like-

• 1:17:23Caleb Hammer?

  I actually have savings of 319. Your debt is not the absolute worst situation compared to a lot of people on this show. The business situation that you did with your friends is the dumbest f**king thing I've ever heard.

• 1:17:33Speaker 04

  Yeah.

• 1:17:34Caleb Hammer?

  Uh, but then you pull out of your 401k and you act like you're just a moron with so many things. It's just, I, I don't, I don't understand. I can give you a debt payoff strategy, but you actually have to be someone willing to do the debt payoff strategy.

• 1:17:48Speaker 04

  Uh, I mean, I feel like I can-

• 1:17:50Caleb Hammer?

  You pulled from a 401k recently.

• 1:17:52Speaker 04

  I, I can learn-

• 1:17:52Caleb Hammer?

  You bought a gaming PC from your pulled 401k.

• 1:17:55Speaker 04

  I used to be a straight A student. I, I think I can-

• 1:17:56Caleb Hammer?

  I don't give a f**k.

• 1:17:57Speaker 04

  I meant like-

• 1:17:58Caleb Hammer?

  That doesn't matter anything. You could have been a grade A student at the special school. Like, I don't know.

• 1:18:04Speaker 04

  Um, no, I'm just saying I-

• 1:18:05Caleb Hammer?

  That means nothing to me.

• 1:18:06Speaker 04

  No, I said I can, I can learn to be better.

• 1:18:11Caleb Hammer?

  I just have to use my left hand for any kind of paperwork movement.

• 1:18:16Caleb Hammer?

  No, where's the budget?

• 1:18:18Speaker 04

  Dude.

• 1:18:19Caleb Hammer?

  Oh, I can't grab things!

• 1:18:24Caleb Hammer?

  Uh, total income. I guess we say 2,500. What's your portion of rent on a monthly basis?

• 1:18:30Speaker 04

  1,550 and I pay half.

• 1:18:32Caleb Hammer?

  775 dollars. Okay, your debt payments. 698 dollars and 11 cents. What's your, what about utilities? How does that work in this house?

• 1:18:40Speaker 04

  Oh, we don't have to pay utilities or water.

• 1:18:42Caleb Hammer?

  Okay. Internet? How does that work?

• 1:18:44Speaker 04

  He pays for internet. I don't pay for internet.

• 1:18:46Caleb Hammer?

  Gas, vroom, vroom, drive, drive. How much you spend on a monthly basis?

• 1:18:48Speaker 04

  Uh, I would say I pay like 35 per week. So I have to drive really far for work. Because I wanted to work at the nicer Target and not the ghetto one.

• 1:18:56Caleb Hammer?

  Yes, okay.

• 1:18:58Caleb Hammer?

  I guess that's better for security. Car insurance.

• 1:19:01Speaker 04

  Uh, car insurance is roughly around, I think, two seventy-five. I could be wrong, though. It's definitely within that range.

• 1:19:08Caleb Hammer?

  Phone bill?

• 1:19:09Speaker 04

  I don't pay for phone. My mom does.

• 1:19:10Caleb Hammer?

  Well, when you're off of that, make sure you switch, make sure you do helium for only fifteen bucks a month.

• 1:19:15Speaker 04

  Okay.

• 1:19:15Caleb Hammer?

  Same towers as T-Mobile. I allow you to contribute three hundred dollars to the food pile and a hundred dollars to TP fund. That includes makeup. That includes fuck, whatever you got going on over there that you need, okay?

• 1:19:30Speaker 04

  Mm-hmm.

• 1:19:30Caleb Hammer?

  Medical healthcare, anything on a monthly basis that you need.

• 1:19:33Speaker 04

  My mom pays for that. Uh, but you're talking about expenses. Um, just therapy.

• 1:19:36Caleb Hammer?

  How much?

• 1:19:37Speaker 04

  Uh, twenty-five per session. I only go every two weeks because.

• 1:19:41Caleb Hammer?

  Fifty bucks. Okay, anything else? Pets?

• 1:19:44Speaker 04

  Um, I only have partial custody of my dog.

• 1:19:47Caleb Hammer?

  Do you pay for the food?

• 1:19:49Speaker 04

  Sometimes, but it's been.

• 1:19:49Caleb Hammer?

  How much?

• 1:19:51Speaker 04

  Like twenty.

• 1:19:52Caleb Hammer?

  A month, okay, I'll say that. What about, does he have dog insurance?

• 1:19:55Speaker 04

  My mom pays for the dog insurance.

• 1:19:57Caleb Hammer?

  Okay, see, this is, this is that. Honestly, a part of this conversation is suggesting more as to why your language is what it is, your knowledge is what it is, your dismissal, not dismissal, but your confusion, lack of being able to just comprehend things is because you are mama's little girl.

• 1:20:18Caleb Hammer?

  And you're also taken care of by the boyfriend. You're just taken care of by people. You don't do anything. You're not responsible. You've never been responsible. You've never had to deal with your own shit. And if you do, there are people to bail you out. And people always take care of things and you've never been an adult for one time in your life. And that, literally, I am so glad we made this budget. Because that explains everything. That explains this entire conversation so far. It defined it. You're a child.

• 1:20:50Speaker 04

  My mom doesn't like you and she doesn't like people like you.

• 1:20:53Caleb Hammer?

  I don't care. I've never thought about her in my life and I never will again.

• 1:21:00Speaker 04

  I think it's just because um, we, I grew up pretty poor. So I think my mom's just making sure I have everything.

• 1:21:06Caleb Hammer?

  I did too, but guess what? I'm not enabled. Yeah, you have an extra hundred forty-one dollars on a monthly basis. It is going to take two hundred twelve months to pay off your debt. Oh, she doesn't even care.

• 1:21:19Speaker 04

  No, no, I'm listening.

• 1:21:20Caleb Hammer?

  Seventeen years. So that's your debt. Yeah, I'm sorry. No, in reality, you need to go make more money. You can fuck with social media in your free time, but you need to go work sixty hours a week.

• 1:21:31Speaker 04

  I was at one point.

• 1:21:32Caleb Hammer?

  Nope, do it again. Congratulations. Do it again and then start paying off your debt pretty aggressively. Make sure your friends pay for this uh, uh, debt. And that conversation, I can maybe call one in the post show and confront them.

• 1:21:43Speaker 04

  Oh, no, no, don't do that. Don't please.

• 1:21:45Caleb Hammer?

  Maybe, we'll see.

• 1:21:46Speaker 04

  Don't do that.

• 1:21:47Caleb Hammer?

  I like to call and confront people in the post show, so. Uh, yeah. You gotta pay off that car. And bill card and hopefully they take their responsibility, but don't get into any more business situations with these people.

• 1:22:04Caleb Hammer?

  And you just need to grow the.

• 1:22:07Caleb Hammer?

  I don't think you're ready to have a kid. I don't think you're ready to get a house. I don't think you're ready to get married. I don't think you're ready for any of the stuff that you are talking about.

• 1:22:16Speaker 04

  It's just tough.

• 1:22:17Caleb Hammer?

  Spending on a budget, you overspent zero out of ten debt. That's not the worst for your income situation is bad, so I'll give it a two out of ten. Emergency fund, you have barely anything. Retirement, you just pulled it zero out of ten. Real estate, zero out of ten. Hammer financial score. What were you gonna say?

• 1:22:35Speaker 04

  I'm just saying there's um, a biological limit for like when you can have kids.

• 1:22:40Caleb Hammer?

  Yeah, but it's also, you're twenty-three.

• 1:22:44Speaker 04

  Well, they said the younger you have kids, it's better, but.

• 1:22:46Caleb Hammer?

  Of course, of course, but you're 23 and we live in 2025. It's not 1802.

• 1:22:52Speaker 04

  Yeah, my mom had two kids by the time she was my age.

• 1:22:55Caleb Hammer?

  Uh huh. Also different times. My parents, and that's probably why they were poor. Mine were 18 and 19. That's why they were poor.

• 1:23:01Speaker 04

  And my mom was 19. My mom was pretty young.

• 1:23:03Caleb Hammer?

  Okay, Hammer Financial Score, 1 out of 10. Guys, come to the post-show. We'll usually have some kind of fun confrontations. If she allows me to call these people, I'll call them. Probably gonna call someone. We'll figure that out.

• 1:23:13Speaker 04

  I'll throw up on myself.

• 1:23:14Caleb Hammer?

  I don't care. This is what you deserve for eating carrots during the.

• 1:23:19Speaker 04

  Kayla. Kayla, this is what I used to look like?

• 1:23:22Caleb Hammer?

  Oh, right? Isn't that the? You gotta keep it a little bit inside. You look great today. That's the point.

• 1:23:30Speaker 04

  People have said meaner stuff to me online. People leave.

• 1:23:32Caleb Hammer?

  I'm not trying to say anything mean. Okay.

• 1:23:36Caleb Hammer?

  To watch the financial audit post-show, click the join button below.

• 1:23:40Speaker 00

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.