Financial Audit's Most Disturbing Episode

💰 *Download Dollarwise- 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP THIS POST SHOW IS *INSANNEEEEE* - We go deeper into his allegations, stealing things, violence... and so much more- I could not believe it: watch here: ➡️ https://bit.ly/chpostshow ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 01:23 Job & Income 08:00 Bro Owns A House?? 10:56 Oh He's A Simp Too lol 25:00 UUUUHH?? 38:20 W Segue From Caleb 48:20 A F*cking HELOC 52:00 Why Are They Always Spoiled By The Parents Too.. 01:00:20 CPS Needs To Step In 01:11:45 The Sh*ttiest Excuses Ever 01:18:30 You Can't Make This Up... ZIPTIES FOR WHAT 01:29:36 Budget!! 01:34:45 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 0:31Speaker 01

  Low energy, unfocused, foggy? You might be dehydrated. Whether it's hot yoga, over 100 degree weather, or too much sun. Gator Light, with a specialized blend of five electrolytes, was scientifically designed to help move fluids into the body faster for rapid rehydration. Shop now at retailers nationwide. Gator Light hydrates faster than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. So what about when you [BLEEP] someone?

• 1:04Speaker 03

  I did not, alright? It was allegations. One of her friends messaged me and was like, "Oh, so you think it's funny doing that to a woman?"

• 1:11Caleb Hammer?

  And your ex accused you of [BLEEP] assaulting her daughter?

• 1:15Speaker 03

  Yeah, well, she's-

• 1:16Caleb Hammer?

  As a third thing. Islamophobic and a [BLEEP].

• 1:19Speaker 03

  No.

• 1:20Caleb Hammer?

  And kid diddler.

• 1:21Speaker 03

  No.

• 1:22Caleb Hammer?

  Not stacking up well for ya.

• 1:24Speaker 03

  I don't think it's also, it's not all my fault. Not every time.

• 1:28Caleb Hammer?

  Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mailed directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.

• 2:02Speaker 03

  I'm Philip. I'm 27 years old. I am from Upper Sandusky, Ohio, and this is Financial Audit.

• 2:10Caleb Hammer?

  Yes, it is. Thanks for coming down from Ohio, everyone's least favorite state.

• 2:18Speaker 03

  Hey, okay.

• 2:19Caleb Hammer?

  That's okay, you're fine.

• 2:19Speaker 03

  I know you're from Michigan and there's a little bit of a...

• 2:21Caleb Hammer?

  It's literally everyone's favorite state, but that's okay. What do you do for a living in Upper Sandusky?

• 2:26Speaker 03

  I'm a fire protection engineer.

• 2:27Caleb Hammer?

  Are you sure you're not a banker?

• 2:32Speaker 03

  I'm sure I'm not a banker, no. Because if I was a banker, if I was something different, I would be probably better with money than I actually am.

• 2:39Caleb Hammer?

  Something different?

• 2:40Speaker 03

  I don't know, I got a big nose.

• 2:44Speaker 03

  Like, what?

• 2:46Caleb Hammer?

  And the comb over?

• 2:48Speaker 03

  Okay, well, that was because of a bad haircut I got yesterday.

• 2:51Caleb Hammer?

  The orthodox beard.

• 2:54Caleb Hammer?

  Fire engineer?

• 2:55Speaker 03

  Yeah, yeah, I designed the sprinkler systems for buildings.

• 2:58Caleb Hammer?

  It's exciting, I think, maybe, I don't know. What do you make doing that? That sounds like potential money.

• 3:03Speaker 03

  My company that I was at, I was making 70,000 salary.

• 3:06Caleb Hammer?

  That you were at?

• 3:08Speaker 03

  Yes.

• 3:08Caleb Hammer?

  Well, what the f**k does that mean? That, okay, how about the company you are at?

• 3:12Speaker 03

  The company I'm at now, I make...

• 3:13Caleb Hammer?

  Why do I give a f**k about the... Hold on, before you even tell me, why the f**k would you even give me the company I wa...

• 3:19Speaker 03

  Because...

• 3:19Caleb Hammer?

  When you asked me my job, you know, and my income, well, can you ask me my job and income? Like, what do you do for a living?

• 3:25Speaker 03

  What do you do for a living and how much do you make?

• 3:27Caleb Hammer?

  Um, I'm a YouTuber, but when I worked at Jimmy Johnson, I made minimum wage. You see how this, what the f**k are you talking, why do I, why would I give a shit? I mean, I'm sorry, I'm deep railing the conversation, but just what a weird answer. Like, I feel like I've given, someone gave me that answer once also in the history of this show, which by the way, makes you an extreme minority.

• 3:49Speaker 03

  I'm not used to that.

• 3:50Caleb Hammer?

  I just don't get, like, why would you even, okay. Okay, do you wanna, why, why'd you say that?

• 3:56Speaker 03

  I said that because I just started this job a week ago today.

• 3:59Caleb Hammer?

  Also, why does it matter then? Okay.

• 4:01Speaker 03

  And all these finances were during that, that old job. I don't have a whole lot of diversity in my friend group because of Ohio. Um, I make 38.50 an hour.

• 4:11Caleb Hammer?

  Okay, what does that translate to?

• 4:13Speaker 03

  Um, I'm not 100% sure yet because I haven't had a paycheck since I just started that a week ago today.

• 4:18Caleb Hammer?

  Okay, what was your hourly in the last one?

• 4:20Speaker 03

  It was salary. I was salaried my last one at 70,000. I brought, at the time, I brought home 9.85 a week.

• 4:26Caleb Hammer?

  Okay, 38.50, I'm assuming 40 hours a week, right?

• 4:30Speaker 03

  Yep, that's gonna be baseline.

• 4:32Caleb Hammer?

  80,000 bucks?

• 4:33Speaker 03

  Yeah, yep.

• 4:34Caleb Hammer?

  Okay, and...

• 4:37Caleb Hammer?

  Your salary was 70?

• 4:38Speaker 03

  Yeah.

• 4:39Caleb Hammer?

  And what was hitting your account on a bi-weekly basis or whatever it was?

• 4:41Speaker 03

  Weekly basis with 985. That was after health insurance, dental vision, as well as any deductions.

• 4:47Caleb Hammer?

  985?

• 4:48Speaker 03

  985, yeah.

• 4:49Caleb Hammer?

  Okay, I'm gonna assume.

• 4:55Caleb Hammer?

  2 divided by 12, I'm gonna assume you're at like, oh. $4,800 a month, that's our taxes. Now.

• 5:03Speaker 03

  Uh, now, probably, probably would be close to that. Um, for the new job, it does require me to move to Florida.

• 5:09Caleb Hammer?

  Oh, you're moving?

• 5:10Speaker 03

  Possibly.

• 5:10Caleb Hammer?

  Well, that's better, sunny, warm.

• 5:13Speaker 03

  Jacksonville, though.

• 5:14Caleb Hammer?

  I don't know.

• 5:14Speaker 03

  That's not ideal. Everyone from Florida always says like Jacksonville is like, not the ideal place to go.

• 5:20Caleb Hammer?

  Well, you'll be able to snorkel from 100 feet down by just looking up at the size of that thing, so.

• 5:25Speaker 03

  Alright.

• 5:25Caleb Hammer?

  Get excited.

• 5:26Speaker 03

  No.

• 5:27Caleb Hammer?

  Your best self is just ahead of you, okay?

• 5:30Speaker 03

  Yeah, I guess.

• 5:31Caleb Hammer?

  Well, this is exciting, moving to Florida, right?

• 5:33Speaker 03

  Yeah, if I decide to go through with it, it will be.

• 5:36Caleb Hammer?

  I assume it's gonna be a dramatic increase in cost of living, though, between Jacksonville, Florida, and middle of absolutely nowhere, Upper Sandusky, not the good Sandusky where your point is, Ohio. So, the $10,000 increase you haven't paid.

• 5:51Caleb Hammer?

  Is that actually making the gap?

• 5:53Speaker 03

  It's, well, it's also unlimited overtime, and they are, the company is severely behind.

• 5:58Caleb Hammer?

  Household income in the 70,000 hour range is a very good income in Upper Sandusky.

• 6:04Speaker 03

  Yep.

• 6:04Caleb Hammer?

  Whereas, it's, uh, halfway, uh, let's see. Where that same translates to 118,000 in cost of living. And, okay, why would you even, did you get fired?

• 6:16Speaker 03

  I did not get fired, no.

• 6:17Caleb Hammer?

  Okay, well, with the move that is required, you are absolutely losing money. Regardless of like a few hundred bucks a year in state income tax. We're talking tens of thousands. Tens of thousands separated. What is that, like 50,000 bucks separated? In cost of living alone, adjusting for where you were at 70,000 hours, you'd have to make 120 there.

• 6:37Speaker 03

  I did not do that research.

• 6:40Speaker 03

  They said they don't want me down. They want me down there before February 28th.

• 6:44Caleb Hammer?

  Oh, that's coming quick.

• 6:45Speaker 03

  Yes, but they said that if I can, if I have to push it off a little bit, I can like a month.

• 6:50Caleb Hammer?

  A little bit, a month.

• 6:51Speaker 03

  Into March.

• 6:52Caleb Hammer?

  Well, a move isn't necessarily the hardest thing in the world. Depends where you are. I mean, I moved down to Austin from Kalamazoo when I got a new job opportunity in about a week of accepting it. I just literally sold as much as I could, threw away the rest, packed up as a Dan and moved on down. Cost me like a couple hundred bucks max.

• 7:09Speaker 03

  The hardest part is just gonna be selling the house.

• 7:11Caleb Hammer?

  You own a house?

• 7:12Speaker 03

  Yes, I have a mortgage.

• 7:13Caleb Hammer?

  In a place where no one wants to live. Yeah, that is gonna be difficult.

• 7:16Speaker 03

  Yep.

• 7:16Caleb Hammer?

  Oh, okay. Well, 27 homeowner, that's pretty good. How long have you owned it?

• 7:22Speaker 03

  Uh, March of 22.

• 7:23Caleb Hammer?

  Okay, hopefully that is giving us some distance in the actual equity position from the time you've owned it with market movements for you to sell and not have to write a check. And we know how people like you don't like to write checks. That'll be very disappointing.

• 7:37Speaker 03

  Um, a little bit. I have a little bit of a position. Probably like if I sell it what it's expected to sell at, it'd probably be like 10,000 equity after, after closing costs.

• 7:48Caleb Hammer?

  Oh, after everything. I was gonna say, because 10,000, you would walk away with nothing.

• 7:52Speaker 03

  Yeah, because I think, right, what it's expected to sell at or what's anticipated is like, is like 30,000 above what I owe.

• 7:59Caleb Hammer?

  Okay, but you say you have the opportunity to back out. What's so unique about this opportunity to back out versus what would just be?

• 8:03Speaker 03

  It's more so just like if I wanted, if I wanted to, I could quit the job and stay where I am.

• 8:09Caleb Hammer?

  Well, sure. What about your last job? Are they ready to take you back?

• 8:12Speaker 03

  I could possibly go back.

• 8:13Caleb Hammer?

  Possibly. That doesn't sound very confident. So you'd be incomeless, possibly.

• 8:17Speaker 03

  Well, that's, yeah, exactly. Like, I don't, it would be like.

• 8:20Caleb Hammer?

  Which one? What's your confidence level of taking that job back?

• 8:23Speaker 03

  I, I'm pretty confident that they would take me back, but.

• 8:26Caleb Hammer?

  Well, the house is listed.

• 8:27Speaker 03

  No, it's not. It's not listed yet.

• 8:28Caleb Hammer?

  Oh, okay. I just have the house. I just have the house.

• 8:30Speaker 03

  No, Lindsay found the listing form, uh, and whatever.

• 8:34Caleb Hammer?

  Oh, two bed, one bath. That's hard to sell.

• 8:36Speaker 03

  But, but if you look at the pictures, there's room to make it a three bed, two bath.

• 8:41Caleb Hammer?

  If I look at the pictures, hopefully they are updated because wow, that is carpet and wallpaper throughout the entire house.

• 8:48Speaker 03

  I changed, I changed all the wall, as much of the wallpaper as I could and painted it.

• 8:52Caleb Hammer?

  The carpet.

• 8:53Speaker 03

  Carpet I did not because it was brand new carpet at the time and I didn't want to.

• 8:57Caleb Hammer?

  But it's still carpet throughout the house. You shouldn't have that regardless. No one wants that.

• 8:59Speaker 03

  Yeah, I know. I need to.

• 9:00Caleb Hammer?

  It is in the eighties, seventies, sixties.

• 9:03Speaker 03

  If I move, if I ended up moving out to Florida, I was considering renting it out if I could find somebody.

• 9:08Caleb Hammer?

  But it says principal balance is only eighty thousand. So you would have a great equity position.

• 9:13Speaker 03

  Um, well, it's, we, we, we will get into that. It's a little, it's a little different than you, than you think it is.

• 9:24Caleb Hammer?

  What? There's later. I'm getting recharged. Oh, okay. Well, that will be.

• 9:30Speaker 03

  Yep.

• 9:30Caleb Hammer?

  Okay. Well, we'll get into that soon. What the, dude, it's not an expensive house, especially if the income you were getting on. In a place that is cheap as a dick and you're considering moving with the cost of living gap and you can't even pay your mortgage? What are you doing? What are you do- what the is wrong with you? What are you considering? Why'd you even accept this job? Why'd you leave that job and get a new job? What was the point?

• 9:54Speaker 03

  Uh, because the, well, at my old job, I was very, I was kind of like fed up with a lot of things they were doing. They were, I mean, obviously it was salary. So it was forty hours was what I was being my base pay. But I didn't get overtime and I was working like fifty-five to sixty hours, a lot of weeks to try to catch up. And then they just kept throwing more projects on my plate, even though I told them I'm like way behind. I need time to catch up. And then just things with like other people in the office. I, I just did not enjoy being there anymore. And it was kind of like, it was kind of ruining my whole thing.

• 10:28Caleb Hammer?

  Well, I'm literally being told you're here because you're just endlessly being a and sending girls money.

• 10:33Speaker 03

  Most of them are my female friends. Yes.

• 10:35Caleb Hammer?

  Female? Okay. So.

• 10:36Speaker 03

  Okay. I'm not.

• 10:37Caleb Hammer?

  Insol language. Okay.

• 10:38Speaker 03

  Okay.

• 10:39Caleb Hammer?

  Are you getting laid?

• 10:40Speaker 04

  Five, four, three, two, one.

• 10:45Speaker 03

  No, I'm not even trying to with any of them.

• 10:47Caleb Hammer?

  You're a virgin?

• 10:47Speaker 03

  No, no, far from it.

• 10:49Caleb Hammer?

  Okay, so why again am I being told like a lot of your financial problems have to do with you being a a MILF hunter and just sending women money left and right? What the is going on?

• 11:00Speaker 03

  The cuck part is because I have a lot of friends who suck with money just as bad as I do, but when I do-

• 11:05Caleb Hammer?

  Then why are you the one sending them money?

• 11:06Speaker 03

  Because when I do get a little bit of money, I help them out when I can.

• 11:10Caleb Hammer?

  The women vaginas?

• 11:12Speaker 03

  Well, I mean, they're women, but I don't get anything out of them because they're they're just my friends.

• 11:15Caleb Hammer?

  What's the relationships to them?

• 11:17Speaker 03

  Platonic, fully. They're just just my friends.

• 11:19Caleb Hammer?

  And how close are you to them?

• 11:21Speaker 03

  A few of them I know in person and then a couple of them are just social media.

• 11:25Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 11:54Speaker 03

  Friends.

• 11:54Caleb Hammer?

  There it is.

• 11:55Speaker 03

  What?

• 11:56Caleb Hammer?

  The social media friend. What? You're sending money to social media friends that are attractive? Are they attractive?

• 12:02Speaker 03

  Well, yeah.

• 12:03Caleb Hammer?

  Okay.

• 12:04Speaker 03

  I don't have ugly friends.

• 12:05Caleb Hammer?

  There it is. There it is.

• 12:06Speaker 03

  I've got friends with ugly people.

• 12:07Caleb Hammer?

  Huh, can I see these social media ladies? They won't be put on screen just for me.

• 12:13Speaker 03

  Sure.

• 12:13Caleb Hammer?

  My eyes only, my my precious eyes only, and I will tell you where they are on the goon scale because

• 12:19Speaker 03

  All right.

• 12:19Caleb Hammer?

  I think you all kind of understand what's going on here. Hey, Florida, they got lots of BBLs and fake titties there. You'll be happy, but you'll also be blowing your load. And by your load, I mean your wallet towards them.

• 12:34Caleb Hammer?

  You go to strip clubs?

• 12:35Speaker 03

  No, I don't. I've never been to one.

• 12:36Caleb Hammer?

  Okay, well, that's good because you would lose a lot of money. Because you haven't been. That's what I that's what I used to think.

• 12:44Speaker 03

  I've been told that. One of my friends lives up in Cleveland and he go and he goes with his girlfriend quite a bit. I'm like, dude, you have issues.

• 12:50Caleb Hammer?

  Girlfriend. Okay. Well, fuck you.

• 12:54Speaker 03

  There's the one girl that I'm friends with.

• 12:58Speaker 03

  Yes, I know. Wait, Tacey? Like, she just posts a lot of random shit, but she's also one of my good friends.

• 13:05Caleb Hammer?

  That posts a lot of random shit that are thirst traps.

• 13:08Speaker 03

  Okay, that's one that you just scrolled, that you scrolled on.

• 13:11Caleb Hammer?

  Well, first of all, it was the one that you showed me, okay?

• 13:13Speaker 03

  It was just a-

• 13:14Caleb Hammer?

  Big lip, and, uh, like, waves in, like...

• 13:21Caleb Hammer?

  Me, okay.

• 13:22Speaker 03

  Yeah, she's one of my friends.

• 13:23Caleb Hammer?

  Okay, that's a-

• 13:24Speaker 03

  If you scroll up, we follow each other.

• 13:26Caleb Hammer?

  Okay, I can show a picture that's not her face, right, to them?

• 13:29Speaker 03

  Yeah, sure.

• 13:29Caleb Hammer?

  Cause it's not her face.

• 13:30Speaker 03

  As long as it doesn't show like her profile.

• 13:31Caleb Hammer?

  This is what she is showing. This is what he's sending pictures to.

• 13:35Speaker 03

  Which one is it?

• 13:36Caleb Hammer?

  Uh-

• 13:36Speaker 03

  It's not pictures, it's just money.

• 13:38Caleb Hammer?

  No, this is what she's posting online, no shit, she's trying to get money.

• 13:42Speaker 03

  Yeah, but, like-

• 13:43Caleb Hammer?

  Dude, what the-

• 13:43Speaker 03

  We've been friends, we've been friends.

• 13:47Caleb Hammer?

  Oh my gosh, that's such a goon, she's showing like the, ooh!

• 13:53Caleb Hammer?

  Like, we know what's happening here. That's not, you're not, they're milking you, they're milking you without you getting the benefit of getting milked.

• 14:02Speaker 03

  But, I mean, I guess, yeah.

• 14:04Caleb Hammer?

  Well, at least if you were having problems, I could give you a high five, cause you're nutting. And I think we're all pretty okay with what consenting adults do these days, I don't really give a shit. Yeah, but you're just out there giving money to women that do nothing.

• 14:17Speaker 03

  Because they're my friends.

• 14:18Caleb Hammer?

  And you're like a super Christian.

• 14:19Speaker 03

  Cause they're my friends.

• 14:20Caleb Hammer?

  You have a tattoo, cross, and everything, he was bragging about it when I walked in the door, like, it was a competition.

• 14:24Speaker 03

  I'm proud of it.

• 14:25Caleb Hammer?

  Okay, good, well, yeah, almost knocking up women, left and right with raw, raw dickies.

• 14:29Speaker 03

  I guess.

• 14:30Caleb Hammer?

  Like, what, is that, is that what Christians are doing?

• 14:33Speaker 03

  No one's perfect.

• 14:34Caleb Hammer?

  Okay.

• 14:35Speaker 03

  Gotta repent sometimes.

• 14:36Caleb Hammer?

  You're your virtual friend, have you ever met them?

• 14:38Speaker 03

  In my brain, they're-

• 14:38Caleb Hammer?

  Have you ever met them?

• 14:39Speaker 03

  No, not in person, no. In my brain, they're strictly platonic.

• 14:44Caleb Hammer?

  You've never met them?

• 14:46Speaker 03

  Not in person, no.

• 14:47Caleb Hammer?

  You're a simp.

• 14:49Speaker 03

  No.

• 14:51Caleb Hammer?

  What? What, by the way, again, past 200 mortgage and sending these Asian e-girl titty chicks money? What the [bleep] are we doing?

• 15:01Speaker 03

  It wasn't that much.

• 15:02Caleb Hammer?

  You're calling it friendship, there is so much more happening in that brain than that, that you're not willing to, um, acknowledge.

• 15:09Speaker 03

  If anything, it's all subconscious, that I don't even think about, but like-

• 15:13Caleb Hammer?

  That's what I just said.

• 15:14Speaker 03

  And, and my conscious mind, it's just purely platonic and just me helping my friends. That's all it is in my mind.

• 15:23Caleb Hammer?

  Why are they getting money when the mortgage isn't? The mortgage that is a very affordable mortgage that most people literally murder for in the United States. Like the median home price is like 350? Dude, you're at 120. You bought it for 112 or whatever.

• 15:39Speaker 03

  128.

• 15:40Caleb Hammer?

  Oh, 128 and it's worth 140. Okay, yeah, that's right. Like, people would kill for that.

• 15:46Speaker 03

  Yeah, I know.

• 15:47Caleb Hammer?

  And you're missing it, the goon bought only mentally to friends that we've never met online. That are all the same titty Asian girl gamers. They're all the same, though. Not in a racist way. They're literally all the same. You're picking the same, like, architect.

• 16:03Speaker 03

  I mean, I got attractive friends, what can I say? My friends are attractive.

• 16:08Caleb Hammer?

  Your friends that you've never met that you send money to that post boobie shots online. I think you don't know what the term friendship means.

• 16:15Speaker 03

  I mean, we're friends, and we talk to each other so often. We're not like, super close friends.

• 16:19Caleb Hammer?

  And if you ever stop giving them money, do you think you would still be talking to them?

• 16:22Speaker 03

  I haven't given anybody money in months.

• 16:25Caleb Hammer?

  Months?

• 16:25Speaker 03

  A couple months, yeah.

• 16:26Caleb Hammer?

  A couple months, see, it just gets months to a couple months, it's gonna be even less than that.

• 16:30Speaker 03

  No, no.

• 16:31Caleb Hammer?

  Soon enough, and I'm sure once, listen, a couple months isn't long enough for someone to be like, oh, this person's done.

• 16:38Speaker 03

  Well.

• 16:39Caleb Hammer?

  We have money giving in the statements, I'm being told. So like, literally, it's in the statement, so what are we talking about, dude? Okay, so I don't understand. This job, why did you accept it? Because you're moving to Florida, the cost of living is gonna be completely from the small ass town that you're from where nothing happens. And that's okay, I understand wanting to leave that. But trying to translate 70 to 80? But there were, that 70 is worth 120, just about? Like, what is our thought? What's our mentality? What is happening?

• 17:07Speaker 03

  So it was...

• 17:08Caleb Hammer?

  You're not gonna have more money to send to the Asian e-girls.

• 17:11Speaker 03

  No, not that. It was a mixture of like, when I spoke to the guy who owns the company, he reached out to me directly. He called my phone number. And he was telling me like, he pretty much asked me, like, how much I made? And he was like, oh, if we give you this much more, would that help? Like, if you, like, get us on, you on our side? I'm like, well, that depends. Like, do I have to move down there or can I work remote? And he said he would want me to move down now as soon as I can. But like in a realistic way where I'm not screwing myself over.

• 17:41Caleb Hammer?

  Sure.

• 17:42Speaker 03

  But then he also said.

• 17:43Caleb Hammer?

  Regardless, if you move one or three months later, the income translation.

• 17:48Speaker 03

  But he also pretty much let me pick how much I wanted for a relocation bonus.

• 17:53Caleb Hammer?

  I mean, just long term wise, I mean, you're not fucking up long term there. Even still, I'm still concerned about this massive cost of living gap.

• 18:00Speaker 03

  Yeah.

• 18:01Caleb Hammer?

  Cause you're literally coming from the place that no one wants to live. Which is why it is so fucking cheap to live there. There's classic demand.

• 18:08Speaker 03

  Yep.

• 18:09Caleb Hammer?

  It's low. To a place where demand is high, Florida is one of the most high influx states outside of Texas.

• 18:14Speaker 03

  Yeah. Well, the other thing too is like, me personally, I hate having free time because that's how I get into these.

• 18:21Caleb Hammer?

  That means nothing to me. If there is work to do, is still the question.

• 18:25Speaker 03

  Well, it's also like the overtime and everything from the main job. But I also would be immediately looking for a second job as soon as I get there. Because when I have the free time.

• 18:35Caleb Hammer?

  You have a second job now, what is that?

• 18:36Speaker 03

  It's just a gas station Casey's.

• 18:39Caleb Hammer?

  That's your second job?

• 18:40Speaker 03

  I, well, the first two weeks there, I put in like.

• 18:43Caleb Hammer?

  I'm not looking down on that job, but you seem like you'd be able to do something else remote and like higher paid and.

• 18:48Speaker 03

  I would like to, but I haven't really done a whole lot of research into like.

• 18:51Caleb Hammer?

  Do you have a degree?

• 18:52Speaker 03

  Yeah.

• 18:52Caleb Hammer?

  What's your degree?

• 18:53Speaker 03

  Associates in mechanical engineering.

• 18:54Caleb Hammer?

  Associates.

• 18:55Speaker 03

  Yeah.

• 18:55Caleb Hammer?

  Okay, that's fine. I'll get you a course course certification.

• 18:58Speaker 03

  I was actually.

• 18:59Caleb Hammer?

  It can be in the tech world.

• 19:00Speaker 03

  I wanted to get into project management or estimation.

• 19:02Caleb Hammer?

  We'll get you a product management.

• 19:03Speaker 03

  Of course, you guys have that.

• 19:04Caleb Hammer?

  It does.

• 19:04Speaker 03

  Um.

• 19:05Caleb Hammer?

  So we'll do that. A lot of people in the audience have used it to get a lot of higher paid jobs or different jobs.

• 19:09Speaker 03

  I was looking into it, but.

• 19:11Caleb Hammer?

  You had a second job at Taco Bell.

• 19:13Speaker 03

  Yeah.

• 19:13Caleb Hammer?

  That's what I thought your second job was.

• 19:15Speaker 03

  It was at first, I got fired on my, when I was.

• 19:18Caleb Hammer?

  Fired at Taco Bell? How do you get fired at Taco Bell? What is wrong with you?

• 19:21Speaker 03

  I worked with a couple of my friends and one of them was a guy friend, one of them was platonic and.

• 19:27Caleb Hammer?

  Here we go with the friends again. What is happening? What is happening? I thought you were stealing change from the drawer.

• 19:32Speaker 03

  So the guy friend, I, he like made a joke, like making like a little dig at me. So I kind of like slapped his ass a little bit in like a friendly way.

• 19:41Caleb Hammer?

  Very Christian of you.

• 19:42Speaker 03

  I'm very straight. It was a.

• 19:43Caleb Hammer?

  Says every straight guy.

• 19:45Speaker 03

  Anyway.

• 19:45Caleb Hammer?

  Usually most straight guys don't have to defend their straightness. I'd say the gayest thing besides taking a dick in your ass is being, you know, potentially offended about your masculinity.

• 19:55Speaker 03

  I get that. No, I, it was kind of, he made a dig at me, so I kind of like did that as a joke back, whatever. And then.

• 20:01Caleb Hammer?

  Brandon, Mika, Christian and I roast each other constantly.

• 20:05Speaker 03

  Yeah.

• 20:06Caleb Hammer?

  I've never touched one of their cheeks.

• 20:08Speaker 03

  Well, me and my friends are different, I guess.

• 20:10Caleb Hammer?

  Huh?

• 20:10Speaker 03

  Me and my...

• 20:12Caleb Hammer?

  Okay.

• 20:12Speaker 03

  See?

• 20:13Caleb Hammer?

  You get in there, you get in Christian's cheeks?

• 20:16Speaker 03

  See, he gets it.

• 20:16Caleb Hammer?

  When he roasts?

• 20:19Speaker 03

  Yeah, just like a little backhand.

• 20:20Caleb Hammer?

  Well, that's a good game, but not like roast back, because you roast back.

• 20:23Speaker 03

  Yeah.

• 20:23Caleb Hammer?

  Well, but not, you don't like...

• 20:25Speaker 03

  I do, and then I just get like a little backhand. No, no, it's a little backhand, like, like, oh, nice one, like, whatever. No, not a little, not a little grabby. No.

• 20:32Caleb Hammer?

  And 2026, that was considered...

• 20:34Speaker 03

  Honestly, you're probably right. Well, that's a different story. Um...

• 20:41Speaker 03

  I don't, I don't think I told Dunzy that. I didn't do anything, it was allegations.

• 20:46Caleb Hammer?

  Hold on.

• 20:49Caleb Hammer?

  I do want to get to that, because that is, uh, very interesting.

• 20:53Speaker 03

  That might be a post-show thing.

• 20:54Caleb Hammer?

  No, that might be, uh, what you're about to say immediately after this, but okay, you touched your, you, you, you slid into your friend's ass, okay?

• 21:02Speaker 03

  Yeah, that's all it was, and then my platonic friend, I'd been friends with her, um, someone had specifically called her out to go back and do dishes.

• 21:11Caleb Hammer?

  She is a woman.

• 21:12Speaker 03

  And I made a joke, I'm like, yeah, go do the dishes like you're supposed to. And...

• 21:16Caleb Hammer?

  Yeah, that's a good joke.

• 21:17Speaker 03

  Well, I said, well, I think what I said was, like, go do, go do the dishes like a woman should.

• 21:22Caleb Hammer?

  Yeah, it's, it's, it's friends banter, I know.

• 21:24Speaker 03

  Someone else was in there.

• 21:26Caleb Hammer?

  A TikToker.

• 21:26Speaker 03

  Didn't like hearing it.

• 21:27Caleb Hammer?

  A retator.

• 21:27Speaker 03

  No, someone working.

• 21:28Caleb Hammer?

  Yeah, I know, a retator.

• 21:29Speaker 03

  Yeah, exactly, did not like it, told the ma, told the store manager, and they were, and so that I made them uncomfortable by saying that, and then...

• 21:37Caleb Hammer?

  Our culture has gone downhill, you can't even make a joke to a friend. You suck with money, so you download a budgeting app, you start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? And there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, but private equity doesn't have the best track record when it comes... Comes to private data. That's why I like Dollar Wise. Bill play these people just like you for people just like you.

• 22:19Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime, get that $350 right now in your checking account.

• 23:00Speaker 03

  I called Taco Bell the one weekend. I was like, hey, like, I don't know my schedule. The app isn't working. Like, when am I supposed to be in next? And they were like, oh, we're actually gonna have to let you go because you made some comments and made someone uncomfortable.

• 23:12Caleb Hammer?

  Redditors and TikTokers ruining it all for the rest of us.

• 23:15Speaker 03

  Yeah, so that kind of did that.

• 23:17Caleb Hammer?

  Just like you ruined the Middle East.

• 23:18Speaker 03

  Honestly, maybe, I don't mind.

• 23:22Speaker 03

  The, and then the next day, right after that phone call, I actually got a-

• 23:25Caleb Hammer?

  They ruined it themselves a long time before.

• 23:28Speaker 03

  Yeah, the next day after that conversation with Taco Bell where I got fired, I got a call from the store manager at Casey's and they're like, hey, are you still interested in working for us?

• 23:36Caleb Hammer?

  Okay.

• 23:37Speaker 03

  I'm like-

• 23:37Caleb Hammer?

  So what about when you were [BLEEP] to someone?

• 23:39Speaker 03

  I did not, alright, it was allegations.

• 23:41Caleb Hammer?

  Do tell.

• 23:42Speaker 03

  So it was-

• 23:44Caleb Hammer?

  None of us know about this.

• 23:45Speaker 03

  This is gonna be really bad because there's actually two different times where I was accused.

• 23:50Caleb Hammer?

  Well, listen, if you were a social media influencer, I would, I would, I would accept that because every social media influencer has fake accusations. That's just the reality. However, you are, and no offense to you, a nobody, which means there's no reason for accusations to be against you.

• 24:05Speaker 03

  I'm not really like, I'm not an influencer. I only have a couple thousand on TikTok, but I have friends that are like over a million on TikTok that I'm friends with.

• 24:12Caleb Hammer?

  Yeah, but that doesn't really translate.

• 24:14Speaker 03

  But, uh, no, this was a year and a half ago or whatever, but I went to visit one of my friends and help. She, she was helping, she was having me help fix part of her house.

• 24:27Caleb Hammer?

  Yeah, okay.

• 24:28Speaker 03

  Well, I was, she was paying me to help fix her septic tank.

• 24:31Speaker 04

  I can take care of your pipe. Ma'am, I do my own plumbing.

• 24:35Caleb Hammer?

  Okay, front.

• 24:35Speaker 03

  Because it was broken. She was paying me. Well, we ended up hooking up that night.

• 24:40Speaker 05

  Maybe if I can figure out another form of payment.

• 24:44Speaker 03

  You mean like a check? And then the day after, or maybe a couple of days after, after I got home, one of her friends messaged me and was like, oh, so you think it's funny doing that to a woman? I'm like, what are you talking about? And he's like, well, you, you think it's funny forcing a woman into having sex with you? I'm like, where did that come from? Because it was fully consensual. And I found out through a group chat with me, him, her, and one other person, that she had lied to them and told them that I kind of forced myself onto them. And I recounted the whole story, like minute for minute, what happened. And they were like, oh, is that true? Asking her, and she said it was all true, what I said, admitting that she lied.

• 25:28Caleb Hammer?

  Unfortunately, for what it's worth, they do that a lot these days. I really don't understand why. It's actually kind of crazy.

• 25:34Speaker 03

  Yeah.

• 25:36Caleb Hammer?

  2020 ruined a lot of people's brains and they immediately look for victimhood. Yes, that is very weird. I'm glad to hear that she backtracked when called out, as most should.

• 25:46Speaker 03

  She did.

• 25:46Caleb Hammer?

  And if she, if you faced any real world consequences for it, she should go to jail. But it sounds like you didn't, but you got a second one? It fooled me, we can't get fooled again.

• 25:55Speaker 03

  The second one was just purely a lie because somebody that I caught-

• 25:58Caleb Hammer?

  Well, was the first one not a lie?

• 26:00Speaker 03

  Well, I mean, yes, it was.

• 26:00Caleb Hammer?

  So far, I was on your side, based on the fact that she backtracked, but-

• 26:04Speaker 03

  So the second one was like, nothing even happened between me and any woman at all in this situation? It was someone that I caught cheating on his girlfriend with three other women.

• 26:15Caleb Hammer?

  But you caught a guy cheating on-

• 26:17Speaker 03

  I caught a guy cheating on four women in total. And he did not like me at all because of it. So he started spreading false rumors that I had the woman, cheated on her, and

• 26:31Speaker 03

  forced an abortion?

• 26:34Speaker 03

  Yeah. He started lying to people.

• 26:37Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 27:06Speaker 03

  About that, and I had two-

• 27:07Caleb Hammer?

  Who was this woman? Do you know?

• 27:09Speaker 03

  No, he didn't even give a name of who it was. He said it was, he, the people that he spread the rumor to, he just told it was a woman who didn't want to be named. I'm like, I haven't been with a woman in several months.

• 27:22Caleb Hammer?

  Okay, okay, okay.

• 27:23Speaker 03

  But, the guy was in the military and because of his whole infidelity thing, because he was married at the time.

• 27:30Caleb Hammer?

  Listen, again, there is lots, because of where we were with Me Too, which was-

• 27:34Speaker 03

  Yeah.

• 27:35Caleb Hammer?

  With good intentions, there's lots of weaponizing and lots of self-victimhood, especially from young Gen Z women. There's crazy and there's weaponization. It's, the internet's gone off the rails, but luckily no one takes them seriously. And more unfortunately, this hurts the real victims. However, I would be on your side until a night, a note just got typed to me. And this is where it's a little difficult and I'm starting to struggle because again, an influencer, sure. I would expect that there's a thousand allegations against literally every influencer forever. Never hear about any of them because it's all stupid and it's all nothing. That's just people getting upset and jealous that someone became famous, blah, blah, blah, blah, blah, or they want their 15 minutes. We get it, but you're nothing. And that's not offensive.

• 28:16Caleb Hammer?

  Like, well, it might be offensive, but it's not meant as a dig to you. You don't have anything for anyone to latch on to.

• 28:21Speaker 03

  Yeah.

• 28:22Caleb Hammer?

  That game doesn't work for you. And your ex accuses you of assaulting her daughter.

• 28:28Speaker 03

  Yeah, well-

• 28:29Caleb Hammer?

  As a third thing.

• 28:31Speaker 03

  She's a very interesting person, so people believe that she-

• 28:36Caleb Hammer?

  So it's like-

• 28:37Speaker 03

  Well, she's psychotic-

• 28:39Caleb Hammer?

  You don't have anything.

• 28:40Speaker 03

  Well, she's psychotic and people believe that she killed my cat.

• 28:44Caleb Hammer?

  Okay, well, I don't know what that has to do with an allegation.

• 28:47Speaker 03

  She's crazy.

• 28:48Caleb Hammer?

  Well, people think she killed your cat. You're not saying she killed your cat?

• 28:52Speaker 03

  Details line up to where she probably did. Because I left my house at 6:00 AM for work. No cat was in the bathroom. She woke up at 9:15, allegedly found one of my cats dead in the bathroom.

• 29:04Caleb Hammer?

  Uh huh, but there is a case open against, here they are, they're pulling up.

• 29:10Speaker 03

  Yeah, they're not for me. They're not for me. They're for her. She actually used to live in Texas right after that.

• 29:14Caleb Hammer?

  There's an open case against you.

• 29:16Speaker 03

  No, not against me, against her. I have a case against her.

• 29:18Caleb Hammer?

  Oh, okay.

• 29:19Speaker 03

  Yeah, I have a case against her. No.

• 29:21Caleb Hammer?

  This is- Again, it's really hard. If you were Brandon and Lindsay who are starting to get known, or if you were any of my YouTuber friends, I'd be like, okay, I get it. This is welcome to just bullshit online. Nobody knows who you are. You're nothing.

• 29:37Speaker 03

  Well, it's just.

• 29:37Caleb Hammer?

  Why is, why do these keep happening to you?

• 29:40Speaker 03

  I, it's probably because I make terrible choices and women specifically.

• 29:45Caleb Hammer?

  About what you do to women?

• 29:47Speaker 03

  No, no, no.

• 29:49Caleb Hammer?

  Okay, okay.

• 29:50Speaker 03

  The women I pick are terrible choices, apparently.

• 29:53Caleb Hammer?

  Like I'm addicted to this shit. I don't know. I can't explain it to you, bro.

• 29:56Speaker 03

  You're addicted to bitches punching you in the face? No.

• 30:01Caleb Hammer?

  Well, but the second one wasn't even a woman. You said there was a guy claiming that you.

• 30:04Speaker 03

  It was a guy just claiming that I did that to some woman that didn't even exist.

• 30:08Caleb Hammer?

  Forced an abortion?

• 30:09Speaker 03

  Yeah, but the guy was in the military and it, and it came out.

• 30:12Caleb Hammer?

  Does that have to do with anything?

• 30:13Speaker 03

  Cause it came out that he was actually married at the time that he was cheating on four other women, as well as he was abusive.

• 30:20Caleb Hammer?

  So you're saying it was a revenge accusation?

• 30:22Speaker 03

  Yes, because he was the one that was abusive to his now ex-wife. So I think it was like a retaliation thing against me and like a bit of a projection.

• 30:34Caleb Hammer?

  Why has it happened three times to someone who nobody knows?

• 30:37Speaker 03

  I don't know. Probably because I make bad decisions and who I associate with.

• 30:42Caleb Hammer?

  And if you were an actor or musician, it would mean nothing to me. And I would essentially believe your story that they're all bullshit, because they usually are these days, unfortunately, but.

• 30:54Speaker 03

  I mean, it's, at the time it was 2025. I mean, women.

• 30:58Caleb Hammer?

  What?

• 30:59Speaker 03

  Women in 2025.

• 31:01Caleb Hammer?

  Huh?

• 31:01Speaker 03

  A lot of them, like, like you said, a lot of people make up shit nowadays.

• 31:05Caleb Hammer?

  They do, but usually not against things where they don't get anything, like 15 minutes or bringing down someone's career or, you know, or a paycheck, because there's a lot of hush money.

• 31:14Speaker 03

  I mean, yeah.

• 31:15Caleb Hammer?

  Stupid things that people do because it's an easy paycheck.

• 31:18Speaker 03

  But there's also just psychotic people out there that don't care who they do.

• 31:22Caleb Hammer?

  But you got three.

• 31:23Speaker 03

  Yeah.

• 31:24Caleb Hammer?

  Islamophobic and a.

• 31:26Speaker 03

  No.

• 31:27Caleb Hammer?

  And kid diddler. They're not stacking up well for a cat killer.

• 31:32Speaker 03

  Well, my ex that accused me of things with her daughter, she.

• 31:38Speaker 03

  There's a lot of story to that. We were together for three months and in the, yeah, in those three months, she allegedly killed my cat. She got me fired from two jobs.

• 31:50Caleb Hammer?

  What?

• 31:51Speaker 03

  Yeah.

• 31:51Caleb Hammer?

  You got yourself, how many jobs have you got? Again, those are stacking up too. Why are you getting fired from so many jobs?

• 31:56Speaker 03

  Well, that, I was intending on leaving those jobs because I was starting at the company that I was at, like where I made 70,000 salary. I was starting at that company, so I was intending on leaving those jobs anyway. But because of the situation with her and her being so like,

• 32:12Speaker 03

  I guess violent in a way to where she would threaten people online, give them our address and show, and have, threaten them to show up to my house.

• 32:19Caleb Hammer?

  And why the, were you dating her for three months and not three seconds?

• 32:22Speaker 03

  Well, it was shortly after that where I was like, all right, yeah.

• 32:26Caleb Hammer?

  Was it that grippy?

• 32:27Speaker 03

  No.

• 32:28Caleb Hammer?

  What are you doing?

• 32:29Speaker 03

  It probably, it was probably the last like whole month that I didn't, we didn't do anything. Cause I was just checking out.

• 32:35Caleb Hammer?

  You did for two months?

• 32:37Speaker 03

  Yeah.

• 32:37Caleb Hammer?

  Was this crazy?

• 32:39Speaker 03

  Hey, I was down bad.

• 32:41Speaker 03

  I was down bad at that point.

• 32:42Caleb Hammer?

  Just because of where we are in our culture, I relatively am on your side and kind of believe you. Unless again, it's just like, unless that group chat is there and like, that story you told about how she backtracked isn't actually a thing that happened. Then all of a sudden you lose credibility. That's going to be a hard time. But I rather, based on our culture and all this shit we saw, we've seen online these past few years where the new generation that grew up watching me too and they, now they've weaponized it and they're crazy online Reddit, TikTok, all that shit. It's like, I relatively believe you. But all it takes is one little thing and I'm done. And I'm done and I'm on their side.

• 33:21Speaker 03

  Well, I've, I've had a lot of people, like there's, there's a few people that I'm friends with. Okay. Don't take it that way.

• 33:26Caleb Hammer?

  A lot of people what?

• 33:27Speaker 03

  A lot of people that I'm friends with on TikTok are known for like calling out these people who are abusers or are stuff like that. And actually like,

• 33:34Caleb Hammer?

  Yeah, it's because it's a little,

• 33:35Speaker 03

  They actually hold legal, like legal action against them and file a police report, stuff like that.

• 33:39Caleb Hammer?

  No, cancellation is an economy.

• 33:41Speaker 03

  They've looked into me for all three allegations and all three of them came up.

• 33:45Caleb Hammer?

  Called them their friends.

• 33:46Speaker 03

  Well, yeah, because they're, they're still objective because it's legal matters that they. Hold people for and they've looked into me for in all three cases and all three times have been like, yeah, this like nothing's happened like this dude is good to go.

• 34:00Caleb Hammer?

  So how long into your relationship with this woman that alleged you as a kitty diddler?

• 34:05Speaker 03

  Right at the end, right after we broke up.

• 34:07Caleb Hammer?

  Huh?

• 34:07Speaker 03

  Right after we broke up.

• 34:08Caleb Hammer?

  No, no, no, no. How long into the relationship did she endlessly dump her baby on you while she went and other men?

• 34:13Speaker 03

  She, she, she was on FaceTime with them. I mean, she did cheat on me like at the very end, but that was like right before we broke up. Um, it was the past.

• 34:23Caleb Hammer?

  She on FaceTime with other men and why were you okay with that?

• 34:26Speaker 03

  Well, cause it was, it was a mutual friend of ours.

• 34:29Caleb Hammer?

  Lots of friends.

• 34:30Speaker 03

  I know, I know. Um, but it was probably the past, the last like three, four weeks that she, I would get home from work.

• 34:37Caleb Hammer?

  Half the relationship.

• 34:39Speaker 03

  Close. Yeah. It was a third. Um, but it was last like three, four weeks where I would get home from work where I was working like 11, 12 hours, including drive time and she would just be like, hey, can you take, can you take her? Like I need time to relax. And she would just go upstairs into our bedroom, smoke weed, drink alcohol and be on FaceTime with random people.

• 34:58Caleb Hammer?

  You were not breaking up with her that day because?

• 35:01Speaker 03

  So at that point, we had, she had already had scheduled a little like vacation to go see one of her girlfriends. And she was going with her daughter to go see her. So I'm like, all right, when that happens, she's taking all of her shit and getting out. Like I was done at that point. And, um, so she went, she got on a Greyhound and ended up going to Oklahoma to see one of her girlfriends. And then ended up accusing the husband of the girlfriend of her.

• 35:30Caleb Hammer?

  Okay. Yeah. Again, weaponizing it's, it's crazy. It's a, it's a bad time that we're in right now. What is not, not an allegation, what is a hundred percent real is you are behind on your mortgage.

• 35:40Speaker 03

  Yeah.

• 35:40Caleb Hammer?

  That ain't no allegation.

• 35:42Speaker 03

  Yeah.

• 35:42Caleb Hammer?

  Good guy.

• 35:43Speaker 03

  Yep. Yep. That is real. That is real. I was behind.

• 35:46Caleb Hammer?

  You diddled your mortgage. How'd you

• 35:48Speaker 03

  Well, you don't have to say it like that. Um, so there

• 35:52Caleb Hammer?

  I will talk about that in a second, but first give me your Hammer Financial Score.

• 35:56Speaker 03

  Oh, God. Um, I took the test like four months ago and it's probably gotten worse since. So it's probably close to like a point seven five.

• 36:03Caleb Hammer?

  Okay, rounded up to a one. If you want your Hammer Financial Score, see where you stand in the world of money by going to CalebHammer.com. It just takes a few seconds or a few minutes to complete the quiz. It is free. See where you stand in the world of money. Where you're doing poorly, what you need to do to improve and where you're already doing pretty well. Make sure you download the Dollar Wise app. It is the best budgeting app out there. New features being added every single month. It is absolutely incredible. It will, it'll take you away from all the pedo world that you might be trying to get yourself into. It'll save you. It'll also save your budget, DollarWise.app. And all the way through the end of March, for those who signed up for the annual version after the free trial, let's just take the free trial. See if you like it. Most people sign up for the annual version because it saves them about 50%. You get my budget-friendly cookbook. There's no kitty pics in here. That's a good thing.

• 36:49Caleb Hammer?

  I will sign it and I will mail it directly to you.

• 36:53Caleb Hammer?

  Sorry, buddy. It's only pictures of food.

• 36:56Speaker 03

  Well, I'm fat, so it's fine.

• 36:58Caleb Hammer?

  All right. So, yeah, the mortgage. What?

• 37:02Speaker 03

  Um, so to my credit, there was an issue with Huntington where like they have a feature called Bill Pay where

• 37:08Caleb Hammer?

  It's their fault you missed your mortgage.

• 37:09Speaker 03

  No, no, it's not all their fault. It was also my fault because I'm terrible with money at the time. Um, Huntington had an issue with their

• 37:15Caleb Hammer?

  What, the ceasefire happened and you got real upset? Started not paying your bills?

• 37:19Speaker 03

  Had to, had to help a little bit where Huntington's Bill Pay feature essentially would take the money out of your account. They would write a check and mail it out to the institution that you send it to.

• 37:30Caleb Hammer?

  Mm-hmm.

• 37:30Speaker 03

  But there was an issue where they wouldn't send the money. They wouldn't send the check, but it would still take the money out of my account. So I had that issue for a few months. Um, ended up getting that resolved. But that, for the first month, that caused me late on the payment. And then after that, it was just, I was trying to play catch up. So I was

• 37:48Caleb Hammer?

  Catch up though. You made so much money compared to what this mortgage payment is. Ketchup are you doing, ketchup? Fuck you, ketchup. What are you talking about?

• 37:56Speaker 03

  I just-

• 37:57Caleb Hammer?

  What are you talking about, ketchup? You should have ketchup to anything.

• 38:00Speaker 03

  I- I had to-

• 38:00Caleb Hammer?

  You're already past due 572, dick!

• 38:04Speaker 03

  Yeah.

• 38:04Caleb Hammer?

  What's your normal mortgage payment when there's not late shit added?

• 38:06Speaker 03

  It's like 579.

• 38:07Caleb Hammer?

  What? What? How are you past due on 579?

• 38:11Speaker 03

  I- I don't know. I just, when- when the time comes for it to come out, it- it just- it just isn't there. I don't- I don't know.

• 38:18Caleb Hammer?

  579's insane. What kind of mortgage is that low? What kind of mortgage is that low? I have- I have never seen a mortgage that low. That is fucking insane.

• 38:29Speaker 03

  Yeah. I got- I got very lucky with how I was with the position I got- I put myself in when I bought the house. Um, cause I- I lived with my parents for like five years while working as an engineer to save up a shit ton of money.

• 38:41Caleb Hammer?

  Dude, you've given privilege in every way whatsoever.

• 38:42Speaker 03

  Yeah.

• 38:43Caleb Hammer?

  Every way whatsoever.

• 38:45Speaker 03

  Yup.

• 38:45Caleb Hammer?

  Not even a reallocation takes you down. What are you- and you're throwing it all away? This makes no sense.

• 38:49Speaker 03

  I- yeah, I need to- I need- I-

• 38:51Caleb Hammer?

  You just stack them up. You're like, will the fourth one get me? Nah, I don't think so.

• 38:55Speaker 03

  Well, I don't think it's also- it's not all my fault. Not every time. Cause I mean, Huntington- Huntington fucked up. They took the money out of my account, but they never sent the payment.

• 39:05Caleb Hammer?

  But ketchup? Ketchup makes no sense on a 579 dollar mortgage.

• 39:09Speaker 03

  Well, because I was fifteen hundred dollars behind at one point.

• 39:10Caleb Hammer?

  Dude, you make seventy thousand dollars a year in a low-cost living area. That fifteen hundred dollars is a normal mortgage payment for most people.

• 39:16Speaker 03

  Not in my area.

• 39:17Caleb Hammer?

  Doesn't matter with your income, yes. You make well above the median household income for that area.

• 39:22Speaker 03

  Okay, for my-

• 39:23Caleb Hammer?

  Median! Household!

• 39:25Speaker 03

  For my area-

• 39:25Caleb Hammer?

  Two people, of which you will never have.

• 39:27Speaker 03

  Yeah, for my area, yes. But I also- I also wanna enjoy my life. I'm not gonna just sit at home, do nothing all the time.

• 39:33Caleb Hammer?

  I know, the playground's nearby, but you can sit at home- you said you're a homebody.

• 39:37Speaker 03

  The playground's actually right behind my house. Cause I live-

• 39:39Caleb Hammer?

  Is that why you're selling? It's a forced sale?

• 39:41Speaker 03

  No, I live across the street from an elementary school.

• 39:43Caleb Hammer?

  Gotta get you closer to the retirement communities, dude?

• 39:46Speaker 03

  No, that's on the south side of town. I'm on the west side.

• 39:50Caleb Hammer?

  Huh? No, Florida.

• 39:52Speaker 03

  Oh, well-

• 39:53Caleb Hammer?

  Where the olds live.

• 39:54Speaker 03

  Okay, well, no, cause they don't live in Jacksonville. They're in Clearwater. Is that Clearwater?

• 39:59Caleb Hammer?

  Dude, I don't- I don't- I don't track old people. I'm not a fucking- I'm not a dust chaser, okay?

• 40:05Speaker 03

  I'm not surprised.

• 40:06Caleb Hammer?

  You should be able to ketchup easy.

• 40:08Speaker 03

  Well, my problem is I know what I'm doing, I just don't do it.

• 40:13Caleb Hammer?

  What?

• 40:14Speaker 03

  I know what I should-

• 40:14Caleb Hammer?

  How does that make-

• 40:15Speaker 03

  I know what I should be doing.

• 40:16Caleb Hammer?

  Why the f*** aren't ya?

• 40:18Speaker 03

  I just don't.

• 40:19Caleb Hammer?

  That sounds great for a guy that has a lot of allegations. I know what I'm supposed to do, but I don't. I know what I'm not allowed to do, but I do it.

• 40:26Speaker 03

  Let me rephrase. I know what I'm supposed to do with money.

• 40:28Caleb Hammer?

  You tell yourself no constantly, and then you do it anyway.

• 40:31Speaker 03

  Okay, alright. That makes it sound so much worse than it is.

• 40:34Caleb Hammer?

  Hey, you said it, not me.

• 40:35Speaker 03

  Yeah.

• 40:36Caleb Hammer?

  Nah, I said it.

• 40:37Speaker 03

  Yeah, you did. You did say it.

• 40:38Caleb Hammer?

  You alleged it.

• 40:40Speaker 03

  I didn't-

• 40:41Caleb Hammer?

  Why are you doing shit, dude? If you know it, that makes no sense to me.

• 40:45Speaker 03

  Well, I've been trying to change it.

• 40:47Caleb Hammer?

  Oh, what the f*** is your try? I don't do it, that's me trying?

• 40:50Speaker 03

  I got a second job.

• 40:51Caleb Hammer?

  Fuck you.

• 40:52Speaker 03

  I got a second job.

• 40:52Caleb Hammer?

  You've had a second job forever, and you get fired from all of them.

• 40:55Speaker 03

  Okay, well, the firing wasn't my fault. That was my ex.

• 40:58Caleb Hammer?

  Okay, well, you grabbed someone's ass-

• 41:00Speaker 03

  The Taco Bell one was my-

• 41:01Caleb Hammer?

  And then told a woman to clean. You're a sexist pig.

• 41:03Speaker 03

  You made the joke before I could even get the line out.

• 41:05Caleb Hammer?

  So what is your trying? Your trying is you get a second job after getting fired from every single job ever in the history of everything ever since? You're only 27 years old?

• 41:13Speaker 03

  Yeah.

• 41:13Caleb Hammer?

  Crazy. This is not an income situation. You made 70,000 dollars, and you can't catch up on a 1,500, you know, a $579 a month payment on a 1,500 past due balance on your mortgage? This is not an income situation.

• 41:25Speaker 03

  It's not an income situation.

• 41:26Caleb Hammer?

  That is far behavior. So you working extra money to get extra money ain't helping? That's not your problem!

• 41:33Speaker 03

  It's a me thing. It's an impulse thing.

• 41:37Caleb Hammer?

  Yeah, no shit. So don't say you're trying by getting a second job. That's nothing.

• 41:40Speaker 03

  Well, I'm trying to control it.

• 41:41Caleb Hammer?

  Yeah, fuck you. It's not doing anything. Plus, what are you even getting at the gas station?

• 41:45Speaker 03

  Uh, energy drinks, snacks.

• 41:48Caleb Hammer?

  What are you making?

• 41:50Speaker 03

  What do you mean?

• 41:51Caleb Hammer?

  You work there.

• 41:52Speaker 03

  Oh, well, yeah. Now I do. Now I do.

• 41:55Caleb Hammer?

  Oh, he's actually stupid. Oh, shit.

• 41:58Speaker 03

  I've only been working there for about three weeks.

• 42:01Caleb Hammer?

  It doesn't matter, you dumbass. I- oh, buddy. Oh, you shit. You just talked about how you're making more money, so that's like your big thing, and I ask what you're getting? And you say, "Energy drinks"? Oh, you're a piece of-

• 42:15Speaker 03

  But now, whenever I work there-

• 42:17Caleb Hammer?

  What is wrong with you?

• 42:18Speaker 03

  But I don't eat as much as I used to. My appetite has gone way down.

• 42:23Caleb Hammer?

  Zempic?

• 42:23Speaker 03

  No. Nope. I just forced myself to slow down.

• 42:28Caleb Hammer?

  I wish I could take Ozempic. I really do.

• 42:29Speaker 03

  I wish I could get myself to do it, but I just-

• 42:31Caleb Hammer?

  Why? I'm phobic to needles. Why you? I'd pass out every time. What about you?

• 42:36Speaker 03

  Well, I'm not phobic to it. I don't, I just don't like needles, but also I just don't wanna, I don't believe in like paying for something that I can do for free. Like if I can, if I can lose weight for-

• 42:49Caleb Hammer?

  But if it helps you, what's the point?

• 42:50Speaker 03

  Because Ozempic also isn't like a permanent thing. Because as soon as you get-

• 42:54Caleb Hammer?

  So don't you have tattoos, needle guy?

• 42:56Speaker 03

  Yeah, I don't, that's, I mean, I'm not scared of needles. I just don't like the feeling of it sometimes.

• 43:01Caleb Hammer?

  Okay.

• 43:03Speaker 03

  A tattoo isn't nearly as bad as having a needle.

• 43:07Caleb Hammer?

  Let's go to the next dad. If budgeting apps make you feel like [BLEEP], this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, "I just wanna know where my money's going without being judged for it"?

• 43:52Caleb Hammer?

  You're not alone. That's exactly what we built Dollar Wise. If you want a calm and clearer way to see where your money is going, try Dollar Wise. Download the app today and get a three-day free trial. No set of nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download Dollar Wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Starbucks is bull [BLEEP] and a waste of money, and you already know that by making your coffee at home and investing the rest. So now, you need to do that with your energy drink as well. Make Gamersubs at home for just 40 cents a serving. And honestly, it literally tastes better.

• 44:37Caleb Hammer?

  And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 44:42Speaker 03

  The number one ranked energy drink is Gamersubs. Literally, the cherry flavor is insane.

• 44:48Caleb Hammer?

  Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg. Or click that link in the description below. Type in code CALEB.

• 45:00Caleb Hammer?

  There's a late charge on here too.

• 45:02Speaker 03

  Which one's that one?

• 45:03Caleb Hammer?

  Home equity! Oh, is this what you were alluding to earlier?

• 45:06Speaker 03

  Yeah.

• 45:06Caleb Hammer?

  What? What the is going on, dude?

• 45:08Speaker 03

  It's a HELOC.

• 45:09Caleb Hammer?

  Why?

• 45:10Speaker 03

  Uh, I got-

• 45:11Caleb Hammer?

  Why?

• 45:12Speaker 03

  I got behind at one point.

• 45:14Caleb Hammer?

  What? How? It just makes no sense.

• 45:16Speaker 03

  Yeah.

• 45:16Caleb Hammer?

  You're in one of the most privileged positions anyone has ever been in on this show.

• 45:20Speaker 03

  Well-

• 45:21Caleb Hammer?

  Doesn't go to prison for- Uh, given everything from their parents, incredible income in a no cost of living area.

• 45:34Speaker 03

  Yeah.

• 45:34Caleb Hammer?

  What are we doing?

• 45:35Speaker 03

  Um, well, I just kind of made bad decisions and it- Those decisions were several, several thousands, like-

• 45:42Caleb Hammer?

  Dick?

• 45:43Speaker 03

  Buying motorcycles and random shit on Marketplace that I didn't need.

• 45:47Caleb Hammer?

  That would get the Asian baddies to wanna be yours?

• 45:49Speaker 03

  No, that was purely because I like motorcycles. My grandpa races, so I wanted to kinda do something that he- I could bond with with him.

• 45:57Caleb Hammer?

  For that?

• 45:57Speaker 03

  Well, it wasn't just for that. It was also just for random shit. I use it as kind of like a-

• 46:02Caleb Hammer?

  Dude, it's $33,593.95.

• 46:08Speaker 03

  Yeah.

• 46:09Caleb Hammer?

  What is wrong with you?

• 46:12Speaker 03

  A lot, apparently. Um-

• 46:13Caleb Hammer?

  That's insane.

• 46:14Speaker 03

  But it was-

• 46:15Caleb Hammer?

  13% interest rate of death.

• 46:17Speaker 03

  Yeah.

• 46:17Caleb Hammer?

  Of insanity. Of you. Of you!

• 46:21Speaker 03

  The monthly payments are 1% of statement balance, and then the interest is on top of that.

• 46:26Caleb Hammer?

  So you took this out of your house?

• 46:27Speaker 03

  Yeah, that's-

• 46:28Caleb Hammer?

  Where did it all go?

• 46:30Speaker 03

  It-

• 46:30Caleb Hammer?

  That's a shit ton of money.

• 46:31Speaker 03

  Honestly, I couldn't tell you.

• 46:33Caleb Hammer?

  How long did you have it?

• 46:34Speaker 03

  I've had it for-

• 46:35Caleb Hammer?

  Now, how long did you have the money in hand that you took out?

• 46:38Speaker 03

  Oh, it was probably over the course of like five, six months.

• 46:40Caleb Hammer?

  I'm being told a month and a half.

• 46:43Caleb Hammer?

  It was a leading question, cuz I knew the answer, and I knew he would say it wrong.

• 46:47Speaker 03

  It might have been. It might have been that short.

• 46:50Speaker 06

  Low energy, unfocused, foggy, you might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body. With a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 47:20Caleb Hammer?

  Uh huh.

• 47:20Speaker 03

  I, I could have swore it was a lot longer though, because like when I, cause I remember it was like a, they gave me like a little checkbook, cause they're, it's a dumb bank. They don't have cards for that yet. Um, so they gave me a little checkbook that I had to use and I had to use that and deposit it into my account. And then I could use the money for it. And I thought that it was over the span of like a decent amount of time. Cause I thought it went into the springtime where I was using it, but it might not have been. But I thought it was.

• 47:48Caleb Hammer?

  You paid off a lot of debt with it and you wrecked it all right back up.

• 47:51Speaker 03

  Yeah, I did.

• 47:51Caleb Hammer?

  We already have the fucking story. And as they type it to me, I learn instead of you just being able to tell me, what is wrong with you? Just tell me the answers.

• 48:00Speaker 03

  Well, a lot of times I, there's been so much going on where it's like different, different loans or different things or stuff like that. Where it's like, my timelines get fucked up because I just can't keep track of all of it.

• 48:10Caleb Hammer?

  Gaming PC was one of them?

• 48:11Speaker 03

  Yeah, it was.

• 48:13Caleb Hammer?

  Soundbar of some kind?

• 48:15Speaker 03

  Yeah, it was a soundbar for the house.

• 48:17Caleb Hammer?

  What are we doing dude? Well, how long into the ownership of this house, did you take the sea lock out?

• 48:21Speaker 03

  It was just about two and a half years.

• 48:26Caleb Hammer?

  So this is like a year ago?

• 48:27Speaker 03

  Yeah, it was October of 23, or October 24, I mean.

• 48:32Caleb Hammer?

  Yeah, 24.

• 48:33Speaker 03

  Yeah. Or was it November?

• 48:37Speaker 03

  I don't remember which one though. It was, it was the fall into the winter of 24, when I took it out.

• 48:47Caleb Hammer?

  Can't ask dude, what are you doing? Well, this interest rates, this minimum, what is this? One main, what did you do with one main financial?

• 48:54Speaker 03

  Um, another attempt at consolidation.

• 48:57Caleb Hammer?

  How many times have you done this by the age of 27? Two by 27 is not good. That is, you are not a credit card person. You can use the Fiz, Fiz card, debit card that builds credit. I will never allow you to have debt again in your life. You're a moron. You can't handle it. Save your life.

• 49:12Speaker 03

  The worst part is that it uses my truck as collateral.

• 49:15Caleb Hammer?

  No, the worst part is the kid. The second worst part is the truck.

• 49:17Speaker 03

  Okay, well, yeah. But that's, yeah, it uses my truck as collateral. So I technically just bought the truck off of myself. For that much. But now it's interest rate of of death and.

• 49:32Caleb Hammer?

  Yeah, 22.41%.

• 49:34Speaker 03

  Yeah.

• 49:35Caleb Hammer?

  The is wrong with you? You owe 25,876,95 cents on it.

• 49:42Speaker 03

  Yep, that's.

• 49:43Caleb Hammer?

  What is wrong with you?

• 49:46Speaker 03

  Uh, I I mean, to my credit.

• 49:48Caleb Hammer?

  Thirty-two dollars, 17 cents a month, more than your literal mortgage payment.

• 49:53Speaker 03

  Yeah, to my credit, though, I use that to pay off everything except for one motorcycle, which I'm taking.

• 49:59Caleb Hammer?

  Doesn't matter.

• 49:59Speaker 03

  But I'm taking that to dealership to sell.

• 50:01Caleb Hammer?

  And also, this isn't paying off debt.

• 50:03Speaker 03

  I it's paying it off.

• 50:04Caleb Hammer?

  22.41% interest rate of high balance. Dude, it's 50% the minimum payment is 50% higher than your mortgage payment. What is wrong with you?

• 50:12Speaker 03

  Well, it's better than like the 30 some percent AFRA.

• 50:14Caleb Hammer?

  Doesn't matter, it didn't change your behavior, and it is still a chunky minimum payment.

• 50:19Speaker 03

  It is, yeah.

• 50:19Caleb Hammer?

  What are you doing?

• 50:20Speaker 03

  And I and I was almost late on it the first month.

• 50:22Caleb Hammer?

  Call with Lindsay, you were blaming your parents for enabling you or taking any responsibility to save your life. Yeah, I know you.

• 50:29Speaker 03

  They were.

• 50:29Caleb Hammer?

  I I I know your phone call, I didn't listen to them, but your phone call is right there, and she's typing it to me.

• 50:34Speaker 03

  Yeah, they were enabling a little bit, yeah.

• 50:35Caleb Hammer?

  What?

• 50:36Speaker 03

  Well, when I so when I was living with them, they pretty much just like, they wouldn't let me pay for anything. They wouldn't let me get on my own phone plan. They wouldn't let me get any groceries for myself. They wouldn't let me get my own insurance, all of that.

• 50:50Caleb Hammer?

  For how long, until what?

• 50:51Speaker 03

  That was until I bought my house and moved out.

• 50:53Caleb Hammer?

  When did you do that?

• 50:54Speaker 03

  And I was 23, I was 23.

• 50:55Caleb Hammer?

  Okay.

• 50:56Speaker 03

  So for five years.

• 50:57Caleb Hammer?

  23 is not like a crazy age to become independent for a lot of people.

• 51:01Speaker 03

  I was an engineer for five years at that point. And I was making decent money at that point for five years, and they wouldn't let me do any any of that stuff to kind of like ease myself into getting the monthly payments.

• 51:12Caleb Hammer?

  To get a house where you're not getting excited to be an adult and learn some basic shit on your own.

• 51:16Speaker 03

  Well, when I and then when I lived with them.

• 51:18Caleb Hammer?

  Don't, you figure it out.

• 51:19Speaker 03

  And then when I lived with them, I kind of could not use my debit card freely. I had to ask my dad permission to use it.

• 51:25Caleb Hammer?

  That's weird.

• 51:25Speaker 03

  And because of that, I kind of like, when I moved out, I was kind of like, oh, I have access to this money. I don't have to ask anybody for help. I can get the things that I want. And then it just kind of snowballed from there into what it is today. So it's kind of like partially them being so strict that it enabled my mentality when I moved out of I can get what I want now. So I'm gonna get it. And then I went overboard on it. And part of it is like. They didn't really teach me how to manage it.

• 51:55Caleb Hammer?

  Do you ever take any responsibility for anything in your entire life?

• 51:58Speaker 03

  I can.

• 52:00Caleb Hammer?

  Well, so the answer is no then?

• 52:02Speaker 03

  No, I do when it's my fault. Cause I take some responsibility for this stuff. But yeah, I bought, I bought the truck off of my dad in December of 23.

• 52:10Caleb Hammer?

  Okay.

• 52:10Speaker 03

  And he, he sold it to me for probably like 10,000 under what it was worth.

• 52:15Caleb Hammer?

  You've never had a struggle in your life, dude?

• 52:17Speaker 03

  No, I haven't, but.

• 52:19Caleb Hammer?

  And you're throwing it away. This makes no sense.

• 52:21Speaker 03

  I created my own. Because I like to have things. I like to have.

• 52:25Caleb Hammer?

  Yeah, you do.

• 52:26Speaker 03

  Like to have a good life. I like to enjoy my time.

• 52:29Caleb Hammer?

  Yeah, I don't like that. Oh, so what came in?

• 52:32Speaker 03

  Um, what came in? So that was.

• 52:36Caleb Hammer?

  What's landmark?

• 52:37Speaker 03

  It's another lender.

• 52:38Caleb Hammer?

  It's like, well, that doesn't count as income coming in. You had income coming in at 4,600. What went out? What was your outflow?

• 52:45Speaker 03

  Um, outflow was probably around 9,000, I'd imagine, including the landmark.

• 52:53Caleb Hammer?

  You took landmark out the day after you applied to come on the show?

• 52:56Speaker 03

  Yeah.

• 52:57Caleb Hammer?

  You can't do anything right.

• 52:59Speaker 03

  Well, okay, I took, yeah. That was a, that was a lapse of judgment in a, in a span, in a short time period. I actually applied to come on the show three times and it was only the day after I got the phone call.

• 53:13Caleb Hammer?

  Competition to make it worse so you could come on?

• 53:16Speaker 03

  I mean, I had to, I had to get your attention somehow.

• 53:18Caleb Hammer?

  Jew jokes, but maybe you should have been a Jew. Your life would be 10 times better.

• 53:21Speaker 03

  I had to get your attention somehow.

• 53:22Caleb Hammer?

  None of them make this mistake. What was your outflow? Non-Jew?

• 53:27Speaker 03

  Including the landmark, I'd say probably close to like 9,000.

• 53:30Caleb Hammer?

  Yeah, just about 8,300. So even including the landmark coming in, that brings your total income to 7,788 dollars. But outflow was still 8,346. So it was still $500 more.

• 53:41Speaker 03

  I don't know where the other $500 would have been because I don't have, well, I don't use, I don't have credit cards that are like available balance.

• 53:47Caleb Hammer?

  Interested croon? It's just your full outflow.

• 53:49Speaker 03

  Oh.

• 53:50Caleb Hammer?

  Well, maybe there was more money in your checking account at the beginning of the month than the end of the month. So more went out. You never know, buddy. That's how it all goes. That's your net. We don't, you know, that's your. That's your net out. So whatever off you do on a credit card in terms of if you've put money on it and it actually makes progress, we don't consider that as an outflow. We don't count that as against you.

• 54:10Speaker 03

  Okay.

• 54:11Caleb Hammer?

  But if more goes up on a credit card than you put towards it, then that is still your net outflow.

• 54:15Speaker 03

  Well, my credit cards have been almost maxed out for so long that I never really had an available balance.

• 54:22Caleb Hammer?

  Okay, well, Lendmark.

• 54:24Speaker 03

  Yep.

• 54:25Caleb Hammer?

  So what, what, what is this again?

• 54:29Speaker 03

  So Lendmark, it was just a personal loan because when I tried to sell my truck, I needed a down payment, didn't have the money for it.

• 54:35Caleb Hammer?

  What's the total balance? Cause I see what's the monthly payment. What's the balance?

• 54:39Speaker 03

  Um, 3,000.

• 54:42Caleb Hammer?

  No.

• 54:44Caleb Hammer?

  No, it is not.

• 54:45Speaker 03

  What's the balance on it?

• 54:47Caleb Hammer?

  4,931 dollars and 42 cents, dude.

• 54:52Speaker 03

  Why is that 4,000?

• 54:53Caleb Hammer?

  Uh, because you don't know your numbers. At 169 dollars and 32 cents, payments due a couple of days ago.

• 55:02Speaker 03

  Yes. Yep.

• 55:06Caleb Hammer?

  So this was a down payment, but that's such a tricky balance.

• 55:08Speaker 03

  It was.

• 55:10Caleb Hammer?

  And you took this out right after you, the day after applying to come on the show.

• 55:13Speaker 03

  Yeah. So I'll show you one thing that is uh, kind of annoying. I went to sell.

• 55:17Caleb Hammer?

  Oh, you're always late? Oh, because they know you, you're okay with it?

• 55:22Speaker 03

  Okay, well.

• 55:22Caleb Hammer?

  What the is happening, dude?

• 55:24Speaker 03

  Before we get into that part.

• 55:25Caleb Hammer?

  What a mess.

• 55:26Speaker 03

  I took it out because when I went to sell my truck, I have like roughly anywhere from 10 to 12,000 in negative equity. And anytime I tried to get a vehicle that had enough overhead on the sale price to value to cover that negative equity, it required me to put a few thousand down and I didn't have that.

• 55:44Caleb Hammer?

  Few thousand, but this is five.

• 55:46Speaker 03

  Well, when I, so I took out that personal loan, they got the money in my account. The next day I went back to the dealership and said, because they already set me up with a car, told me a down payment and it was all good. That's why I got that's like that amount. And when I went back to the dealership the next day and said, hey, ready to do this trade in? The down payment doubled that they required and I didn't have that. So.

• 56:10Caleb Hammer?

  How much was the truck?

• 56:12Speaker 03

  Uh, the truck value at that specific time was like 12. It was like, well, the, the value that they were offering me was like 12.5.

• 56:21Caleb Hammer?

  And you had to put five down?

• 56:23Speaker 03

  And they wanted me to put like four or five down, yeah. And then the down payment doubled the next day. Without, like, it was the same lender that offered me, the same one that approved me for...

• 56:34Caleb Hammer?

  What is the interest rate on this? I can't tell.

• 56:36Speaker 03

  On that, it's probably like 24, 25.

• 56:38Caleb Hammer?

  Oh my [bleep] death.

• 56:40Speaker 03

  Yeah, Landmark doesn't do anything-

• 56:41Caleb Hammer?

  If you can't get a [bleep] car, you have to finance the down payment anyway. That's not a down payment, that's another loan.

• 56:46Speaker 03

  The, um, the value of the loan would have only been like-

• 56:50Caleb Hammer?

  You work from home.

• 56:50Speaker 03

  Now I do, yeah. Before, before, at the time, I was driving over an hour one way to get to work. I was driving 120 miles a day to get to and from the office.

• 57:00Caleb Hammer?

  Heck, what was your vehicle situation?

• 57:01Speaker 03

  My truck. 16 miles.

• 57:04Caleb Hammer?

  Before that.

• 57:06Speaker 03

  What do you mean?

• 57:06Caleb Hammer?

  Before you got this truck?

• 57:07Speaker 03

  I've had this truck for two years. Before that, it was-

• 57:09Caleb Hammer?

  What the [bleep] what's this? Huh?

• 57:12Speaker 03

  Yeah.

• 57:12Caleb Hammer?

  No, this- Oh, my goodness, okay.

• 57:16Speaker 03

  The car that I-

• 57:16Caleb Hammer?

  Are you sure that is this loan and not a separate? Okay, buddy. I, I don't even, with, do you even know what you're talking about? You've taken out five loans from them in the last few, couple of years.

• 57:28Speaker 03

  Yeah, I have.

• 57:30Caleb Hammer?

  For what?

• 57:31Speaker 03

  Just miscellaneous things.

• 57:33Caleb Hammer?

  Dude, all this 25% interest rate is insane though.

• 57:36Speaker 03

  Yeah, the one I, or two of them I used to buy motorcycles, which I then flipped. Didn't make anything, ended up getting even on those. Um, unfortunately, and then the other two or three were just, just random shit.

• 57:52Caleb Hammer?

  A thought came to my mind. If this woman is actually crazy, who alleges you as a pedo, and she has a child, would you not file claims with CPS and whatnot?

• 58:00Speaker 03

  I have, yeah. Myself and several of my friends and her former friends have all filed CPS claims. But-

• 58:07Caleb Hammer?

  Okay.

• 58:08Speaker 03

  Since we broke up in June, she's been with four different men and moved to like three or four different states.

• 58:13Caleb Hammer?

  Is she an addict?

• 58:15Speaker 03

  No, she doesn't use, no.

• 58:16Caleb Hammer?

  Is she bipolar?

• 58:17Speaker 03

  Yeah, very, very.

• 58:19Caleb Hammer?

  Okay.

• 58:20Speaker 03

  Yeah, she is very bipolar.

• 58:21Caleb Hammer?

  Oh, she called and asked you if you wanted to adopt the baby?

• 58:23Speaker 03

  Yes.

• 58:24Caleb Hammer?

  You just, you told me at the beginning you wanted a kid.

• 58:26Speaker 03

  I want a natural, my own, like, biological kid.

• 58:28Caleb Hammer?

  A natural kid. Okay. This seems, seems a very rude way to say it.

• 58:31Speaker 03

  I want a biological kid. I want two or three biological kids.

• 58:34Caleb Hammer?

  You literally could have saved the kid's life.

• 58:36Speaker 03

  CPS and got it, got it, got involved at the time.

• 58:38Caleb Hammer?

  And?

• 58:39Speaker 03

  Didn't take her.

• 58:40Caleb Hammer?

  Yeah, but she asked you if you wanted to adopt.

• 58:42Speaker 03

  She she asked me if I wanted to, but.

• 58:44Caleb Hammer?

  I'm not saying you you should be required to adopt because you're put in a hard situation, but maybe you could have fostered for a second.

• 58:49Speaker 03

  I wanted to because like I am getting really attached to that girl to to her. Okay, in a fatherly way. All right.

• 58:58Caleb Hammer?

  You choose your own words.

• 59:00Speaker 03

  Um.

• 59:00Caleb Hammer?

  You said them.

• 59:01Speaker 03

  I wanted to because I also know that my ex would not be able to give her a very good life at all.

• 59:06Caleb Hammer?

  Yes, that's what I'm saying.

• 59:07Speaker 03

  And but then when I really thought into it, I would have been essentially a single dad, working over an hour away from home.

• 59:16Caleb Hammer?

  Yeah, it's not perfect, still probably better.

• 59:17Speaker 03

  I wouldn't have been able to afford the like the care for it.

• 59:20Caleb Hammer?

  That's a lie. You can. You're.

• 59:23Speaker 03

  Well, the situation I was in at the time, I couldn't afford. I wasn't.

• 59:25Caleb Hammer?

  What was your situation? Also, your parents would have helped.

• 59:29Speaker 03

  No, my parents would not.

• 59:30Caleb Hammer?

  What do you mean? They help on everything.

• 59:32Speaker 03

  No, they they will not babysit kids.

• 59:33Caleb Hammer?

  They'll not babysit, but financially.

• 59:37Speaker 03

  I.

• 59:37Caleb Hammer?

  If you are fostering temporarily for the sake of a kid's life, I'm not saying you should be morally forced to necessarily, but it's like.

• 59:44Speaker 03

  They probably would have helped, but I also don't like the idea of taking more from them than I have to. Because.

• 59:51Caleb Hammer?

  For the sake of the kid, like it's hard. It's hard.

• 59:53Speaker 03

  I I want my parents to be able to have to not have to give me anything.

• 59:58Caleb Hammer?

  I get it. I get it. I get it.

• 59:59Speaker 03

  Also because my dad has multiple sclerosis.

• 1:00:00Caleb Hammer?

  My next follow up question, if we're with all these scares, these women that you were having sex with and having raw scares, were you literally coming inside of them raw?

• 1:00:10Speaker 03

  No.

• 1:00:10Caleb Hammer?

  Okay, so you're pulling out. Okay, at least you're doing that. Okay, okay.

• 1:00:14Speaker 03

  I made every attempt I could to prevent a child.

• 1:00:17Caleb Hammer?

  Condoms and birth control, but okay.

• 1:00:18Speaker 03

  Well, most of them were on birth control. Actually, all of them were. Yeah. That's like one of the first things I ask before anything sexual happens is if they're on birth control, just so it's like.

• 1:00:29Caleb Hammer?

  Oh, never trust the pill, though. You gotta do the the arm thing or the IUD. I don't trust the rest.

• 1:00:34Speaker 03

  My ex was on the next one on the arm thing, and then the other one.

• 1:00:37Caleb Hammer?

  That one's good.

• 1:00:37Speaker 03

  The other one had the IUD.

• 1:00:38Caleb Hammer?

  Good, that one's also good.

• 1:00:40Speaker 03

  Yeah.

• 1:00:40Caleb Hammer?

  Arm thing's the best, then IUD then.

• 1:00:42Speaker 03

  I'm very conscious of all of all that. I'm terrified of having a kid too early with the wrong person.

• 1:00:48Caleb Hammer?

  Yeah, because the nose will destroy her vagina on the way out.

• 1:00:51Speaker 03

  All right.

• 1:00:54Speaker 03

  I mean, maybe. It's not that big.

• 1:00:57Caleb Hammer?

  So what is this? This looks like an affirm to me.

• 1:01:02Speaker 03

  It is. Yes.

• 1:01:03Caleb Hammer?

  Okay.

• 1:01:03Speaker 03

  It is a firm.

• 1:01:04Caleb Hammer?

  So what the are we doing? Art is fast. Amazon, foundation disc golf.

• 1:01:11Caleb Hammer?

  TikTok shop, TikTok shop. Wheel adapters? What are you adapting wheels? The are you wheel adapting, you little shit?

• 1:01:20Speaker 03

  That was for my truck.

• 1:01:21Caleb Hammer?

  Oh, you, Amazon, Amazon, you all 25% interest rate of loan of death, you will adapters. Amazon Motorsports, Amazon TikTok.

• 1:01:35Caleb Hammer?

  What is the total balance?

• 1:01:37Speaker 03

  Um, I think the total balance is like just shy of 3,000.

• 1:01:40Caleb Hammer?

  Okay, yeah, sure, but you got it down to 1,374, which is still crazy. I'm gonna assume the minimum payment's like 200. What? Okay, pull up your Amazon for me. Affirming Amazon, dumb tit. You should, you can be getting 5% on the Amazon card. What are you doing? And the TikTok shop, I gotta see it all. Just I don't want to see your.

• 1:02:02Caleb Hammer?

  Photos folder, arm twisting, workout, dude, you're buying things every five seconds of your life. Cat food, that's obviously okay. Crush hunt, two point, traditional, and what do you? Al- Alkinine? Dodge Ram, something, front brake rotors, I mean, that's probably fine. 48 inch outdoor fire, but you don't need that to survive. Toilet paper, that's probably.

• 1:02:23Speaker 03

  Yeah.

• 1:02:23Caleb Hammer?

  Two ply, what ply?

• 1:02:26Speaker 03

  Yeah.

• 1:02:26Caleb Hammer?

  What's a good ply? What's a good ply? Huh? Uh huh. Like Sherman Ultra Soft.

• 1:02:33Speaker 03

  Yeah.

• 1:02:34Caleb Hammer?

  Yeah, it's too good enough.

• 1:02:35Speaker 03

  Well.

• 1:02:36Caleb Hammer?

  Two scares me.

• 1:02:37Speaker 03

  Well, one ply is the shit that you see in like bathrooms and public places.

• 1:02:40Caleb Hammer?

  You only want to do twice as good as that?

• 1:02:42Speaker 03

  It's.

• 1:02:42Caleb Hammer?

  What's Sherman Ultra Soft? Do we know how many plies that is?

• 1:02:46Speaker 03

  I think it's three.

• 1:02:46Caleb Hammer?

  That's what you gotta do, and I will accept nothing less. Why destroy your whole?

• 1:02:49Speaker 03

  It's so much more expensive.

• 1:02:50Caleb Hammer?

  No, no, no. There is almost nothing more worth putting actual money to than good toilet paper. End of the day.

• 1:03:00Speaker 03

  So.

• 1:03:00Caleb Hammer?

  Okay, so some cat things.

• 1:03:01Speaker 03

  A lot of the Amazon.

• 1:03:02Caleb Hammer?

  Camping stool, little knives?

• 1:03:05Speaker 03

  I, those are returned.

• 1:03:06Caleb Hammer?

  Yeah, that one, a return has been started.

• 1:03:08Speaker 03

  I don't even remember those.

• 1:03:09Caleb Hammer?

  cosplay outfit.

• 1:03:10Speaker 03

  That, that one.

• 1:03:11Caleb Hammer?

  Also that you can get your little Asian goon girls to finally want you.

• 1:03:15Speaker 03

  It was supposed to be for.

• 1:03:16Caleb Hammer?

  Not enough money did it? Now you gotta cosplay for them?

• 1:03:18Speaker 03

  TikTok with a friend.

• 1:03:20Caleb Hammer?

  Mm hmm.

• 1:03:21Speaker 03

  Um.

• 1:03:21Caleb Hammer?

  Supposed to be, and then it got delivered and nothing happened.

• 1:03:23Speaker 03

  The knives, I think I ordered those when I was drunk.

• 1:03:25Caleb Hammer?

  In your cart.

• 1:03:26Speaker 03

  I keep.

• 1:03:26Caleb Hammer?

  Oh, workout.

• 1:03:27Speaker 03

  I keep.

• 1:03:28Caleb Hammer?

  You gotta. Laser invisible gun or invisible lung.

• 1:03:31Speaker 03

  I keep stuff in my.

• 1:03:32Caleb Hammer?

  Dude, you look like you're about to do a school shooting and now this is lining up.

• 1:03:36Speaker 03

  I keep stuff in my cart.

• 1:03:37Caleb Hammer?

  Elementary school in your backyard, watch out.

• 1:03:40Speaker 03

  Oh, my God.

• 1:03:40Caleb Hammer?

  Right?

• 1:03:41Speaker 03

  No, I keep it in my cart if it's something cool that would be.

• 1:03:44Caleb Hammer?

  You got holsters, you got mag bags and you got laser pointers. I'm nervous.

• 1:03:48Speaker 03

  I have a lot of friends that do that do cosplay and they ask me to like.

• 1:03:51Caleb Hammer?

  And how old are they?

• 1:03:53Speaker 03

  They're my age or a little bit older. They do cosplay for content, so I.

• 1:03:57Caleb Hammer?

  Cosplay, that's why I need to be able to Glock Glock with all extra magazine holders.

• 1:04:01Speaker 03

  Okay, well, that's a personal.

• 1:04:03Caleb Hammer?

  Never let this man in the office again. You terrify me. You you want to dress nice. You're getting a lot of nice. Oh, you got a. He has a flashing.

• 1:04:11Speaker 03

  No.

• 1:04:11Caleb Hammer?

  Flashing trench coat. Oh, with the elementary school and everything. This is crazy.

• 1:04:16Speaker 03

  That was because of.

• 1:04:17Caleb Hammer?

  What are you doing? You're, oh, what a freak.

• 1:04:20Speaker 03

  That was because of the whole um like aesthetic of like Peaky Blinders. Me and my friends were gonna do a video about it.

• 1:04:25Caleb Hammer?

  Huh?

• 1:04:26Speaker 03

  Peaky Blinders, you know how they dress?

• 1:04:27Caleb Hammer?

  Or are you trying to give? Or are you trying to give the kids on the playground a little?

• 1:04:31Speaker 03

  No, it was a video trend of people dressing like Peaky Blinders going out in public.

• 1:04:34Caleb Hammer?

  Yeah, I don't want you to be giving Peaky's in public.

• 1:04:37Speaker 03

  Oh, my gosh. I'm not gonna be doing that.

• 1:04:39Caleb Hammer?

  Really don't.

• 1:04:40Speaker 03

  Are you having trouble getting to the shop?

• 1:04:42Caleb Hammer?

  Listen, I'm not a who buys things on TikTok shop.

• 1:04:46Speaker 03

  I haven't bought anything on TikTok shop and.

• 1:04:48Caleb Hammer?

  It was on this statement.

• 1:04:49Speaker 03

  Uh, that I probably did.

• 1:04:51Caleb Hammer?

  Okay, I ordered. There it is.

• 1:04:53Speaker 03

  There's a lot of random.

• 1:04:53Caleb Hammer?

  It wasn't placed on here.

• 1:04:56Speaker 03

  Yeah.

• 1:04:56Caleb Hammer?

  Maybe a different account perhaps? Well, why is there a TikTok shop that you literally financed?

• 1:05:02Speaker 03

  Uh.

• 1:05:03Caleb Hammer?

  Mm hmm.

• 1:05:03Speaker 03

  Oh, because I bought um I bought ramps for my truck. That way I could put the front wheels up and get underneath it easier. I'm a little too fat for getting underneath it.

• 1:05:13Caleb Hammer?

  And what is this? Pay later? Affirm? Clarn?

• 1:05:16Speaker 03

  That's PayPal.

• 1:05:17Caleb Hammer?

  Clarn?

• 1:05:18Speaker 03

  Yeah, it's PayPal. I I wasn't able to screenshot it because when you screenshot PayPal, it goes to a black.

• 1:05:22Caleb Hammer?

  So what the are you doing? Mini Katana and?

• 1:05:25Speaker 03

  I bought a Katana. It was for the cosplay for my friend or with my friends.

• 1:05:30Caleb Hammer?

  Stop your cosplay weird shit, dude. You can't afford a life. And Lily J. Duan?

• 1:05:35Speaker 03

  So that one, that one, it's from eBay. They're plastics for my motorcycle because a year and a half ago, maybe a year ago, I hit a deer on my bike and I needed to replace the plastics to be able to sell it. So I bought them and I put them on and that's what that is.

• 1:05:51Caleb Hammer?

  Well, it looks like the accountant looped that into your firm. So we'll leave the balance and monthly payment as it says, but that's insane. Oh, and then PayPal credit.

• 1:05:58Speaker 03

  Yeah, you're not gonna like it.

• 1:05:59Caleb Hammer?

  You're addicted.

• 1:06:00Speaker 03

  You're not gonna like it.

• 1:06:01Caleb Hammer?

  I don't like any of this.

• 1:06:05Caleb Hammer?

  What?

• 1:06:05Speaker 03

  That one, I did negotiate with them, closed the account and it's on a strict 0% flat rate.

• 1:06:12Caleb Hammer?

  Then why are you past due?

• 1:06:16Speaker 03

  I don't know.

• 1:06:19Caleb Hammer?

  If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC, supply chain, and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't

• 1:07:02Caleb Hammer?

  have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job, was starting from scratch. Click the link below to sign up for one of their free courses today. I am so excited for you guys to finally get your hands on what I've been working on for a year, the brand new Dollar Wise Budgeting app. And listen, I get it, the first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but. Let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people,

• 1:07:47Caleb Hammer?

  we've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time, or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33% discount for three months, or take the annual plan for an insane 50% discount. And with the annual, you get my budget-friendly cookbook signed by me, and my brand-new 30-day detailed budget meal plan signed by me as well, both of them mailed directly to you. But after March 31st, the cookbook is gone forever, so this is literally your last chance to get it. And if you're feeling extra sexy,

• 1:08:32Caleb Hammer?

  become one of the Founder 500 purchasers to get my Founder Box featuring a bunch of goodies, plus lifetime access to the premium version of DollarWise. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to dollarwise.com or click those links below.

• 1:08:47Speaker 03

  I don't know why. Cause I set up auto pay on it and then forget about it and then...

• 1:08:52Caleb Hammer?

  Auto pay? No, you didn't! Or you don't have enough money in your checking account and you get returned!

• 1:08:58Caleb Hammer?

  It's maxed out. You've $5,309.48. What are you doing?

• 1:09:04Speaker 03

  Buying random shit.

• 1:09:05Caleb Hammer?

  Just quiet now. Quiet now, you child. $1.96 is your minimum payment. Well, past due is probably like normally $100.

• 1:09:14Speaker 03

  It's $99 now, flat rate.

• 1:09:16Caleb Hammer?

  Yeah, $99, but you owe $200 because you're f***ed up. Because, oh, your past due, interest hundreds of dollars. You've had late fees up the dick this year. You're late constantly, dude. What are you doing? What are you f***ing doing?

• 1:09:30Speaker 03

  When I set up auto pay, sometimes it ju... When I go back to it the next month after I see the late fee, it says auto pay was never set up.

• 1:09:36Caleb Hammer?

  I know what you did. What'd you do? What was half this balance? A quarter of this balance? A third of this balance? What wasn't? You told Lindsay, "Better not lie now."

• 1:09:43Speaker 03

  A lot of it was DoorDash. Yeah.

• 1:09:47Caleb Hammer?

  Almost $2,000 bucks of DoorDash in a singular month.

• 1:09:49Speaker 03

  There was a phase where I was...

• 1:09:51Caleb Hammer?

  A singular month, you f***!

• 1:09:52Speaker 03

  Okay, okay, hold on. To my credit, I had three surgeries in the span of about 14 months, and they were on my tailbone.

• 1:09:59Caleb Hammer?

  Why wasn't any of them rhinoplasty?

• 1:10:02Speaker 03

  Okay, no, I have a deviated septum, so I gotta fix that sometime, too. So I might have to do the rhinoplasty at the same time, you know, just to appease you. Um, I had three, I had three surgeries on my tailbone that spanned about fourteen, fifteen months. And because of that, pyeloneatal cyst. It's basically, you, you had a guest here the one time that actually talked about it, and it kinda pissed me off because he described it wrong. The guest did? Yeah, it's essentially- Take that, you asshole cyst. Well, it was, it was that one gay guy who was like cheating on his- Homophobic now? No, he was, it was the one where he- No, it was the one where he was like cheating on his man with his roommate and all that, like, you know what I'm talking about? And does that disgust you? No, not at all, I don't care. Well, cheating should disgust you. Cheating does, yes, but like the- He's pro cheating. No.

• 1:10:45Speaker 03

  Dude, this guy is an absolute madness. You misled me on that one. You misled me on that one. Oh, I have fun, this is a fun show. A pyeloneatal cyst is essentially where like the bacteria will burrow little tunnels into the muscle tissue. Dude, clean your hole, you freak. It's, it's in like- I do, it's something that, that is like- You do that? No. You're weird. The bacteria- You're not supposed to do that. It's a bacteria that's there from birth, and then it eventually, like, no matter what, it's from like heat and pressure. What's wrong with your mom's cooch? It's not, no, it's not that, no. What, you were born with shit up your asshole? No, it's a, it's not that kinda bacteria, it's just a regular bacteria in the human body. But sometimes with like, if you sit for long periods of time, like I do for work.

• 1:11:31Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:12:00Speaker 03

  It can create some like heat and pressure, and then if there's friction like between butt cheeks, it starts to burrow into the muscle tissue.

• 1:12:07Caleb Hammer?

  So what does it create?

• 1:12:09Speaker 03

  It just creates like a pocket in muscle tissue, like kinda like-

• 1:12:12Caleb Hammer?

  Where?

• 1:12:14Speaker 03

  Mostly on your tailbone. Like right above-

• 1:12:16Caleb Hammer?

  It's on your tailbone?

• 1:12:17Speaker 03

  In the muscle tissue above your tailbone.

• 1:12:19Caleb Hammer?

  Does it hurt?

• 1:12:20Speaker 03

  Yes.

• 1:12:21Caleb Hammer?

  And three surgeries were required? Why?

• 1:12:23Speaker 03

  Because the first one, they took like, I wanna say like 14 pounds of muscle tissue away-

• 1:12:27Caleb Hammer?

  Oh, good for-

• 1:12:27Speaker 03

  To clear out, yeah, they had to clear out a lot. And then, um-

• 1:12:30Caleb Hammer?

  14 pounds?

• 1:12:32Speaker 03

  Mm-hmm.

• 1:12:32Caleb Hammer?

  You sure?

• 1:12:33Speaker 03

  Yeah. Yeah. She actu- she actually showed me the actual piece of meat she took out and put it on a scale right in front of me. I'm like, this is kinda weird-

• 1:12:42Caleb Hammer?

  Meats, but-

• 1:12:43Speaker 03

  Well, I was, okay, well, um, and then it came back like seven, eight months later. It was much smaller. So it was just, that was more so just like-

• 1:12:52Caleb Hammer?

  So they didn't get the pocket?

• 1:12:54Speaker 03

  They didn't get the whole thing, yeah.

• 1:12:55Caleb Hammer?

  Oh, fuck.

• 1:12:55Speaker 03

  So I had to have that done three times. And because of that, I wasn't able to move around. I wasn't able to drive as much.

• 1:13:00Caleb Hammer?

  So you doordash?

• 1:13:01Speaker 03

  So I doordashed a decent amount.

• 1:13:02Caleb Hammer?

  But even, even just getting groceries delivered and making food is still cheaper. DoorDash is so expensive.

• 1:13:08Speaker 03

  Getting groceries delivered wasn't an option in my town until the past like six or seven months.

• 1:13:12Caleb Hammer?

  Hmm, cuz you live where no one should live.

• 1:13:13Speaker 03

  It's a town of like three or 4,000 people.

• 1:13:15Caleb Hammer?

  Cuz you live where no one should live.

• 1:13:16Speaker 03

  Well, the town I grew up in, where my parents live, is a village.

• 1:13:19Caleb Hammer?

  Town where no one should live.

• 1:13:20Speaker 03

  Less than a thousand people, so-

• 1:13:21Caleb Hammer?

  I love living in places with no opportunities.

• 1:13:24Speaker 03

  Well, that's why I drove over an hour to work one way, cuz I would drive to Columbus.

• 1:13:29Caleb Hammer?

  And problem. Quicksilver?

• 1:13:30Speaker 03

  Yes.

• 1:13:31Caleb Hammer?

  185. This one's not as bad.

• 1:13:33Speaker 03

  Yep, that's a 200-

• 1:13:34Caleb Hammer?

  You got interest accruing, 185 dollars, 14 cents, but you did purchase on a card that is accruing interest that you're not fully paying off. I just don't understand why not pay it fully off. Like you're not, 180, uh, 85 dollars, 14 cents with a minimum monthly payment of 25 dollars. It's like, yeah, you're just making your minimum payment, and then you're purchasing 83, 254. What is wrong with you? And it's at your gas station, asshole?

• 1:13:55Speaker 03

  It's-

• 1:13:56Caleb Hammer?

  Dude-

• 1:13:58Speaker 04

  Make this shit. Make this shit and take it to work, you dumb tit. I was with you.

• 1:14:04Caleb Hammer?

  Gamer Subs, these are their free packets. You can get the free packets at gamersubs.gg, link in the description below. Use code CALEB for the free samples. See what flavor you like, and then it is 40 cents a serving when you make it, dude. Stop this. 8,048 cents. Stop this.

• 1:14:18Speaker 03

  I actually have Gamer Subs at home.

• 1:14:19Caleb Hammer?

  Good, isn't it so good?

• 1:14:20Speaker 03

  I use it for my pre-workout.

• 1:14:21Caleb Hammer?

  Isn't it great?

• 1:14:22Speaker 03

  It's amazing.

• 1:14:22Caleb Hammer?

  It's amazing, thank you.

• 1:14:24Speaker 03

  Guacamole Gamer Fart 9000.

• 1:14:25Caleb Hammer?

  Yeah, the names are weird.

• 1:14:26Speaker 03

  Stupid name, but it's so fucking delicious.

• 1:14:28Caleb Hammer?

  Then why are you purchasing at a gas station that you work at, you dumb tit?

• 1:14:33Speaker 03

  Probably snacks.

• 1:14:33Caleb Hammer?

  It's so easy to just make the Gamer Subs. 40 cents a serving.

• 1:14:38Speaker 03

  Yep, I don't drink.

• 1:14:38Caleb Hammer?

  Oh, I had Steam games!

• 1:14:40Speaker 03

  That one was an accident. I went to-

• 1:14:43Caleb Hammer?

  I always accidentally purchasing on Steam.

• 1:14:45Speaker 03

  No, it was, my Steam was connected to my PayPal, and it, for some reason, it was using my Quicksilver as a default card, even though nowhere else uses it.

• 1:14:52Caleb Hammer?

  Regardless, if you can't afford anything.

• 1:14:54Speaker 03

  I was buying a game. I was buying Call of Duty.

• 1:14:57Caleb Hammer?

  You definitely shouldn't have, because doesn't this most recent one suck?

• 1:15:00Speaker 03

  Black Ops 7 is the worst Call of Duty they've ever made.

• 1:15:02Caleb Hammer?

  Exactly, and that's honestly kinda hard, because there's been lots of shit ones recently.

• 1:15:07Speaker 03

  Yeah, yeah, there's, this one's horrible. It's a fever dream.

• 1:15:10Caleb Hammer?

  And it is not easy to purchase on Steam. They've got some friction, I'll be honest.

• 1:15:14Speaker 03

  Yeah, I was gonna, I was gonna try to overturn it when I realized that it was on the Quicksilver card. Plus, I realized it was a shit game, but it was already past the two-hour playtime period that Steam has for returns.

• 1:15:27Speaker 03

  So, I was at like two and a half hours of playtime, so I couldn't return it.

• 1:15:31Caleb Hammer?

  Venture One, $487.37.

• 1:15:35Speaker 03

  Yep, that's a-

• 1:15:35Caleb Hammer?

  With a minimum monthly payment of 25 bucks.

• 1:15:38Speaker 03

  500 dollar limit.

• 1:15:39Caleb Hammer?

  Yeah, and you purchased $729, you-

• 1:15:43Speaker 03

  How did I purchase?

• 1:15:43Caleb Hammer?

  What is wrong with you? How did I purchase? What do you mean?

• 1:15:45Speaker 03

  How did I purchase 700 something?

• 1:15:46Caleb Hammer?

  You swiped like a dumb piece of shit. What do you mean, how did I purchase? How about this many purchases, Top Down Cam? Nice to see ya. Look at this, this is crazy.

• 1:15:54Speaker 03

  That's a new one to me.

• 1:15:55Caleb Hammer?

  What? No, it is not. This is what you are doing.

• 1:15:58Speaker 03

  I don't remember swiping that much on that card.

• 1:15:59Caleb Hammer?

  Are you so dumb? How are you, what are you talking about?

• 1:16:01Speaker 03

  I don't remember swiping that much on that card at all.

• 1:16:03Caleb Hammer?

  You got some fucking energy drinks or snacks? Energy drinks or snacks? You went in and you ate at Marysville, Wingstop, energy drinks or snacks, Taco Bell, McDonald's, Subway, energy drinks or snacks, energy drinks or snacks, energy drinks or snacks!

• 1:16:20Caleb Hammer?

  Air tire, air tire, that's fine. Energy drinks or snacks? Harbor Freight Tools, two bucks though. You probably just got a snack on your way out.

• 1:16:28Speaker 03

  No, they don't have snacks.

• 1:16:29Caleb Hammer?

  No, no, no.

• 1:16:30Speaker 03

  Harbor Freight doesn't have snacks.

• 1:16:31Caleb Hammer?

  You did something. You got like a drink or something. You had to have, because you went there and you purchased forty-four dollars and ninety cents. And on your way out, you grabbed something for two oh seven.

• 1:16:38Speaker 03

  Harbor Freight doesn't have snacks.

• 1:16:39Caleb Hammer?

  You grabbed something for two oh seven after purchasing forty-five dollars.

• 1:16:42Speaker 03

  Probably zip ties. Cause, cause I buy zip ties all the time. Cause I use them all the time. So that's probably what it was, the two dollars something. The forty-four dollars something was probably like a ratchet or sockets or something. And then the two dollars something was probably zip ties.

• 1:17:07Speaker 03

  It was probably also.

• 1:17:08Caleb Hammer?

  Energy drinks or snacks? Energy drinks or snacks? Five Guys. Energy drinks or snacks? Wendy's. Energy drinks or snacks? Taco Bell. Wendy's. Energy drinks or snacks? A park.

• 1:17:21Speaker 03

  Park?

• 1:17:22Caleb Hammer?

  Yeah, you go to parks.

• 1:17:23Speaker 03

  Which one's that?

• 1:17:24Caleb Hammer?

  Wait.

• 1:17:25Speaker 03

  I don't know. I don't know what it is.

• 1:17:27Caleb Hammer?

  Sportsman's Store. Wingstop.

• 1:17:30Speaker 03

  Oh, Sportsman's Stop is a gun store.

• 1:17:32Caleb Hammer?

  Right. Elementary school, watch out. What are you doing?

• 1:17:36Speaker 03

  It's for hunting. I hunt deer.

• 1:17:37Caleb Hammer?

  Hunting what?

• 1:17:38Speaker 03

  Deer. Whitetail deer. Cause I use it for.

• 1:17:41Caleb Hammer?

  Go for the white one.

• 1:17:42Speaker 03

  I use it for meat during the winter. Ground beef. It's basically ground beef.

• 1:17:47Caleb Hammer?

  But it's not. It's ground deer.

• 1:17:49Speaker 03

  No, but it's a lot cheaper than buying the same amount of ground beef.

• 1:17:52Caleb Hammer?

  Maslin, maslin. Great Eagle, Great Eagle. Giant Eagle. Is that a casino? Giant Eagle Casino, right?

• 1:18:00Speaker 03

  I don't go to Giant Eagle. I don't have one within like an hour and a half of me.

• 1:18:02Caleb Hammer?

  Okay, well, Giant Eagle, Giant Eagle.

• 1:18:06Caleb Hammer?

  Okay? Chick-fil-A.

• 1:18:08Speaker 03

  Giant Eagle, I think.

• 1:18:09Caleb Hammer?

  Taco Bell, energy drinks or snacks?

• 1:18:12Speaker 03

  How much were those giant?

• 1:18:14Caleb Hammer?

  Take a look.

• 1:18:18Speaker 03

  I think Giant, I think sometimes the Walmart in my town shows up as Giant Eagle because they're affiliated companies. Because I noticed on previous statements.

• 1:18:26Caleb Hammer?

  Walmart?

• 1:18:27Speaker 03

  Yeah, I noticed on previous statements Giant Eagles or some of my Walmart purchases come up as Giant Eagle. And I never knew why.

• 1:18:32Caleb Hammer?

  You just opened a new card to card from Bass Pro Shop?

• 1:18:35Speaker 03

  That one, I only opened it. I only opened it because I wanted to increase my, my unused debt. I don't use that card. It stays locked. It stays.

• 1:18:43Caleb Hammer?

  For now.

• 1:18:44Speaker 03

  No, I'm, I don't plan on using that at all.

• 1:18:45Caleb Hammer?

  For now. Look at your behavior. Look what you've done with the last two times you consolidated, dude. I don't believe you for a single second to be able to manage that behavior.

• 1:18:53Speaker 03

  It's at a zero balance.

• 1:18:54Caleb Hammer?

  For now! Seth Field.

• 1:18:56Speaker 03

  Yes, that's for the motorcycle that I'm gonna be. I'm gonna be taking it to a dealership.

• 1:19:01Caleb Hammer?

  16% interest rate.

• 1:19:02Speaker 03

  I'm gonna be taking it to a dealership to sell it when I get back.

• 1:19:04Caleb Hammer?

  Sure, what's it valued?

• 1:19:05Speaker 03

  Uh, probably close to 6,000.

• 1:19:07Caleb Hammer?

  Well, you owe 7,517 dollars and 9 cents at a 16% interest rate with a minimum monthly payment of 258 dollars and 86 cents. So you're not selling this and paying it fully off?

• 1:19:20Speaker 03

  I think that monthly payment has a late fee in it.

• 1:19:23Caleb Hammer?

  Oh my goodness.

• 1:19:24Speaker 03

  Cause it's normally like 230.

• 1:19:25Caleb Hammer?

  Oh my goodness, I don't know what to do with you.

• 1:19:28Speaker 03

  Yeah, the, the monthly payment is normally like 230, I think.

• 1:19:31Caleb Hammer?

  Why can't you pay anything? What's wrong with you?

• 1:19:36Caleb Hammer?

  Yeah, late fee.

• 1:19:38Speaker 03

  Yeah. Well, there was also a time where I was locked out of that account and I wasn't able to access it. And I had to call them.

• 1:19:45Caleb Hammer?

  Everything is everyone else's fault except for yours.

• 1:19:47Speaker 03

  I'm not saying, I'm not saying it's not my fault. I probably went to like log into it and then tried, failed the password too many times. And locked the account.

• 1:19:56Caleb Hammer?

  Dumbass dude.

• 1:20:00Caleb Hammer?

  Okay. Well, your checking account is 553.

• 1:20:07Caleb Hammer?

  Oh, Sezzle Wingstop. Oh my.

• 1:20:11Speaker 03

  Everything on Sezzle is an online gun store.

• 1:20:15Caleb Hammer?

  What is wrong with you?

• 1:20:16Speaker 03

  Sezzle is like the, Sezzle is what they use for like their after.

• 1:20:18Caleb Hammer?

  Stop it. Stop being such a weirdo. Stop being such a freak weirdo, you freak weirdo.

• 1:20:23Speaker 03

  I use it for hunting.

• 1:20:24Caleb Hammer?

  What is wrong with you freak weirdo?

• 1:20:26Speaker 03

  I use it to get things for hunting season.

• 1:20:28Caleb Hammer?

  Freak weirdo.

• 1:20:31Caleb Hammer?

  Oh, energy drinker snacks, art is fast.

• 1:20:35Speaker 03

  Art is fast, he's like-

• 1:20:36Caleb Hammer?

  Real short-

• 1:20:37Speaker 03

  Art is fast as a content creator, I actually bought, I just bought a sweatshirt from him. That's all it was.

• 1:20:41Caleb Hammer?

  Dude, you're late on shit, including your mortgage, fuck your sweatshirt. Real short.

• 1:20:48Caleb Hammer?

  Amazon Riot Games.

• 1:20:50Speaker 03

  Yeah, that was a bad decision.

• 1:20:52Caleb Hammer?

  What'd you get?

• 1:20:52Speaker 03

  Valorant. I was spending money on Valorant.

• 1:20:56Caleb Hammer?

  In-game.

• 1:20:57Speaker 03

  Yeah.

• 1:20:58Caleb Hammer?

  You animal, you beast. PayPal paying for-

• 1:21:01Speaker 03

  Yep.

• 1:21:01Caleb Hammer?

  Uh, I think it might be Hammer Elite, I don't know.

• 1:21:05Speaker 03

  Yeah, I, I do have Hammer Elite.

• 1:21:06Caleb Hammer?

  Well, at least it's more value than a sweatshirt, which costs money-

• 1:21:09Speaker 03

  Hammer Elite and YouTube Premium.

• 1:21:10Caleb Hammer?

  Because we got three premium shows posted every single day, six days a week.

• 1:21:13Speaker 03

  I watch it all the time.

• 1:21:14Caleb Hammer?

  Isn't it great?

• 1:21:15Speaker 03

  It's fantastic.

• 1:21:16Caleb Hammer?

  It's incredible!

• 1:21:16Speaker 03

  Yeah, I watch more, I watch more than one episode per day on average.

• 1:21:19Caleb Hammer?

  See, people who haven't subscribed and they see it, they're always like, "Hey, why you should do quality over [bleep] uh, over quantity." Dude, we got the quantity and we got the quality, that's why my team costs hundreds of thousands of dollars.

• 1:21:30Speaker 03

  I put all of the-

• 1:21:31Caleb Hammer?

  It's so [bleep].

• 1:21:32Speaker 03

  I put all the CHL VODs into a playlist and I just have that playing on my TV while I fall asleep.

• 1:21:36Caleb Hammer?

  He's a hero, we love him. Except for the diddlin'.

• 1:21:38Speaker 03

  Okay.

• 1:21:40Caleb Hammer?

  Uh, Nitro Discord, you pay for Discord?

• 1:21:43Speaker 03

  That one, that one I ended up getting refunded after the fact because it was for an account that got banned.

• 1:21:48Caleb Hammer?

  McDonald's, Sportsmen's again.

• 1:21:51Speaker 03

  Yep.

• 1:21:52Caleb Hammer?

  Snacks and/or energy drink, Venmo-ing out money to our Asian-

• 1:21:57Speaker 03

  Okay.

• 1:21:57Caleb Hammer?

  Friends.

• 1:21:58Speaker 03

  If it's Vendo, it's probably to one of my friends for like paying her for doing stuff for me. Okay, she, she crochets. She made two, two of my cats' sweaters. So I paid-

• 1:22:08Caleb Hammer?

  Oh, energy drinker snacks, Wendy's Domino's, did you go out to eat every second of your life? This is crazy. Panda Restaurant, Hulu, Sezzle.

• 1:22:20Caleb Hammer?

  Energy drinks or snacks, PayPal, Sezzle, Sezzle, energy drinks or snacks, Steam purchasing again, forty-seven seventy-three. So many in one month. Dude, I buy like, uh, I feel, I buy a game maybe once a quarter at the max, I don't buy very many games.

• 1:22:32Speaker 03

  I think that was a game that was normally like eighty bucks, but it was on sale, so I bought it.

• 1:22:36Caleb Hammer?

  Ronson Automotive, Spotify, if you have YouTube Premium, why have Spotify?

• 1:22:40Speaker 03

  I had to cancel Spotify.

• 1:22:41Caleb Hammer?

  YouTube Music is great too. McDonald's.

• 1:22:46Caleb Hammer?

  Oh my goodness, Energy Drinks or Snacks, Sezzle, Kindle Unlimited.

• 1:22:50Speaker 03

  I'm not giving up Kindle Unlimited. I read way too much on it. It's so much nicer to have than physical books sometimes.

• 1:22:56Caleb Hammer?

  Taco Bell, Sezzle, Energy Drinks or Snacks. You went inside and purchased something I don't even know. Cash App to our Asian titties. DoorDash and Wendy's, Energy Drinks or Snacks, Amazon Prime, it keeps going. Oh my, what is wrong with you? Sezzle, Cabela's, Sheets, Energy Drinks or Snacks, Wingstop, you rented something on here.

• 1:23:16Speaker 03

  Rented something?

• 1:23:16Caleb Hammer?

  Yeah.

• 1:23:17Speaker 03

  Is it labeled as something?

• 1:23:19Caleb Hammer?

  Or maybe that's premium, but usually it would say Crunchyroll, Energy Drinks or Snacks, Cash Apping for Asian buttholes that they post on Twitter. DoorDash and Wendy's, Energy Drinks or Snacks, Art is Fast, Chipotle, Domino's, Foundation.

• 1:23:35Speaker 03

  Yeah, it's another discount store.

• 1:23:37Caleb Hammer?

  Playstation Network, oh my dude.

• 1:23:38Speaker 03

  Playstation Network, I didn't even know I had that, because I don't even-

• 1:23:41Caleb Hammer?

  Well, you do now. Taco Bell, Payin' for Klarna! PayPal! PayPal! Sezzle, I'm dying.

• 1:23:52Speaker 03

  If it's PayPal, it's probably the Payin' for stuff.

• 1:23:54Caleb Hammer?

  Taco Bell, Wingstop, Real Short again, KFC, Energy Drinks or Snacks, Sez-

• 1:24:00Speaker 03

  Real Short is just a little like stupid app where you can watch like tiny-

• 1:24:03Caleb Hammer?

  Stop yourself. Oh my goodness, I have never seen anything like this in my life.

• 1:24:08Speaker 03

  What?

• 1:24:08Caleb Hammer?

  This is financial art of history. In one month, one, two, three, four, five, six, seven, eight, nine, ten! Ten overdraft fees in one month! A hundred and fifty dollars, fifteen bucks a pop.

• 1:24:30Speaker 04

  Not only a shut your ass up, you pedo.

• 1:24:36Speaker 04

  Not really allegedly, kind of actually, technically was allegedly, but probably not because she does sound crazy. You've had a hundred and seventeen overdraft fees this year, last year, twenty twenty five, a hundred and seventeen. Ah, what are you? What are you? What have you done to your life? This makes no sense. And you send money to Asian f- oh, F-ers? Ah, why?

• 1:25:06Speaker 03

  Does it make it better?

• 1:25:07Speaker 04

  No, nothing you say will make it better. You are broken. You are ruined. You are a f-

• 1:25:17Speaker 03

  Does it make it worse if I say that I actually have overdraft protection too? So if my checking account goes negative, it pulls from my savings?

• 1:25:25Speaker 04

  Yeah, that's telling me a lot of where your savings is about to be. Yeah, it's negative ninety seven dollars, ninety nine cents.

• 1:25:45Speaker 04

  Oh, but maybe you're alone in here, a f- phone, PayPal, confirm, PayPal, confirm, confirm, confirm, confirm, confirm.

• 1:25:57Speaker 04

  I'm going to this separate account, in this separate stupid ass, dumbass, horrible account. Ah, you've had, ah, forty six additional overdrafts this year, last year, twenty twenty five.

• 1:26:16Speaker 04

  Ah, over two hundred overdraft, you, financial audit history. Financial audit history!

• 1:26:24Speaker 03

  The first number that you, the first number that you gave might be both combined because that's a combined checking and savings statement.

• 1:26:30Speaker 04

  Maybe, but I don't know. I don't know. It was right below the checking account. Usually at the top is where the combine is, not below each account. So I don't think so, but potentially, but you regardless, what are you doing? Your life is destroyed. There's nothing I can do. There is nothing I can do. I'm gonna make you a bunch, but there is nothing I can do. You're-

• 1:26:51Caleb Hammer?

  Where's your retirement, boy?

• 1:26:53Speaker 03

  I don't have it.

• 1:26:53Caleb Hammer?

  Oh my goodness. You have had no more of a privileged position than anyone else in the history of the show. As far as I can remember, at least of where you came from and the position you are in and the cost of living that you are dealing with. And you have thrown it away. You have destroyed your life.

• 1:27:13Caleb Hammer?

  Oh, oh my goodness. Let me get your minimum monthly payments. How, how do you exist? Then this is the, shut the fuck up. You're a broken. You've made me a broken man out of your brokenness. What are you? How did it take so long for you to get on the show somehow?

• 1:27:33Speaker 03

  I, I don't know.

• 1:27:35Caleb Hammer?

  It's, it's, it's, it's.

• 1:27:37Speaker 03

  I applied within the first week of finding your show. And then two more times after that.

• 1:27:42Caleb Hammer?

  It's, we probably saw a picture of the nose and we just expected everything to be fine.

• 1:27:46Speaker 03

  No, I didn't send a picture until, actually no.

• 1:27:47Caleb Hammer?

  No, we always require sending pictures. $1,604.41 is your debt payment outside of your mortgage. Mortgage is 579. All utilities, including internet combined, how much?

• 1:28:00Speaker 03

  Internet 90, electric is usually about 250, gas is usually about at most 130. And then that water sewer trash is 89.

• 1:28:14Caleb Hammer?

  Okay, utilities 559. Phone bill?

• 1:28:17Speaker 03

  Uh, 212.

• 1:28:18Caleb Hammer?

  When you move to the better place with more connectivity, do helium, because it's T-Mobile's towers. And it's so much cheaper. But what is it, 249?

• 1:28:27Speaker 03

  212, I think it's like 212 or 214.

• 1:28:29Caleb Hammer?

  212, that's crazy, 212. Yeah, once you pay them off and switch, what's your gas bill? Boom, boom, drive, drive.

• 1:28:35Speaker 03

  Uh, well, before.

• 1:28:36Caleb Hammer?

  Now, just like the beginning, I do not care about before.

• 1:28:40Speaker 03

  Probably gonna be like 50 bucks.

• 1:28:41Caleb Hammer?

  Okay, car insurance.

• 1:28:42Speaker 03

  And car insurance is 230.

• 1:28:44Caleb Hammer?

  Yeah, $300 for food.

• 1:28:47Caleb Hammer?

  Use our meal plan and the budget class that you get through the Master Your Money program, which you all should join at CalebHammer.com. Join the thousands of other people who are changing their lives and join that community. It's very active. It's incredible. You get all the classes and a lot of resources. Uh, and then obviously the cookbook, use that for the recipes. But either way, TP fun, 100 bucks, anything else you need to survive. I'm a fucking loop for your endless masturbation to Twitter chicks. Medical health care, their copays?

• 1:29:14Speaker 03

  No, nope.

• 1:29:15Caleb Hammer?

  Okay, you probably need some, but you have two cats, right?

• 1:29:18Speaker 03

  Yes.

• 1:29:19Caleb Hammer?

  Okay, pet insurance, how much?

• 1:29:20Speaker 03

  76 total.

• 1:29:22Caleb Hammer?

  Okay, how much for pet food?

• 1:29:23Speaker 03

  Food is probably gonna be about 110.

• 1:29:26Caleb Hammer?

  Anything, uh, let's see, subscriptions, you're very online, I'll try 75 bucks.

• 1:29:32Speaker 03

  I only have YouTube Premium and Hammer Elite anymore.

• 1:29:36Caleb Hammer?

  Those are, the literal, actually, I would say two best, listen, people dogging on YouTube Premium, but it's, I, I could never go back. It is the best membership I've ever, ever had. Plus, it gets, comes with YouTube Music and not, not even sponsored. You should, YouTube, listen to me, sponsor me. But either way, it's like you get YouTube Music, which is just as good as Spotify with it. It's just like, eh, eh, eh, this is everything. It's crazy. But regardless, okay, I'll, I'll do 50 bucks. Uh, which we'll cover more than that and, cause you gotta get Audible's a subscription too, dude. Or whatever, Kindle, so it all adds. But anything else that I need to put in your budget?

• 1:30:10Speaker 03

  No, that should be it. I don't really have anything else outstanding that I owe monthly.

• 1:30:14Caleb Hammer?

  Oh, legal defense?

• 1:30:16Speaker 03

  Nope.

• 1:30:16Caleb Hammer?

  Okay, you make enough money. $3,860.41. Of the $4,800 you bring in,

• 1:30:25Caleb Hammer?

  93959 is left. Let's just say for the sake of, he's 900. Okay, dude, the fact is, call your old job, see if you can get it back. You can't afford a higher cost of living area, even with the more money, because you're just not gonna make it work. And selling the house, I don't want you to sell the house yet. With this, with the two loans you have on it, you're not, you're gonna, you might have to write a check. You might break even at best. It's not gonna go well. Um, so with this 900 you left, have left over, it needs to all go towards the debt outside of the mortgage. But yes, the HELOC needs to be paid off immediately as well. And the PayPal credit and all that good stuff. It all has to be paid off, dude. So. I, I need you to stay in the lowest

• 1:31:06Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now, then this is a job for Indeed sponsored jobs.

• 1:31:35Caleb Hammer?

  Also living area that you possibly can for as long as you can. And then you can do whatever and move wherever once that's done. But if we get rid of the mortgage of $80,336.84, you still have 80,000 hours of bad debt to pay off. 79,276,37 cents of which the $900 going towards it still takes 88 months.

• 1:31:55Caleb Hammer?

  Seven years, you know what?

• 1:31:58Caleb Hammer?

  Get your old job back, stay, prove for two months. You can actually follow this budget, make your minimum payments on time and then go through bankruptcy.

• 1:32:06Speaker 03

  Well, there was another option that I had because of my parents. They said that if I wanted to, I could sell the house and move back in with them.

• 1:32:14Caleb Hammer?

  Potentially, but again, you're breaking even. You're breaking even.

• 1:32:17Speaker 03

  But I wouldn't pay. I wouldn't be paying rent and I wouldn't be paying.

• 1:32:19Caleb Hammer?

  No, but selling the house, you'll still break even. So it's just like.

• 1:32:22Speaker 03

  Wouldn't that?

• 1:32:22Caleb Hammer?

  It saves you money on a monthly basis and you can do that, but you're already in the real estate game anyway. And if you're gonna stay there, I would rather you stay there and gain equity in there. And bankruptcy, it is stressful and it's not cheap, but this will clear. It'll clear pretty much all this, dude. You'll, um, the truck loan's not even a conventional truck loan, so it might cover, oh wait, it's tied against your truck.

• 1:32:42Speaker 03

  It's tied against my truck.

• 1:32:43Caleb Hammer?

  So you'll still have that one and you'll still have your mortgage and HELOC.

• 1:32:46Speaker 03

  They did say that.

• 1:32:47Caleb Hammer?

  You'll wipe everything.

• 1:32:47Speaker 03

  They did say that once it gets to a certain point, like I think they said it's like, if I pay like 15,000 off of it, I can.

• 1:32:53Caleb Hammer?

  Okay. Well, that'll be a while, but even still.

• 1:32:55Speaker 03

  They would release the title.

• 1:32:56Caleb Hammer?

  That will get you to the point of being able to pay off your debt outside of your mortgage. Um, like your HELOC obviously will have to pay off, but even still that'll bring it on from nine years to three or something. And that is so worth it.

• 1:33:05Speaker 03

  What should I focus on first then?

• 1:33:07Caleb Hammer?

  Smallest debt to largest debt.

• 1:33:08Speaker 03

  Okay.

• 1:33:08Caleb Hammer?

  Yeah.

• 1:33:09Speaker 03

  Okay.

• 1:33:09Caleb Hammer?

  Cause it gives you rewards along the way. It's good for a psychological.

• 1:33:12Speaker 03

  Would it, would it be better to either, I mean, obviously you said smallest to largest, but like, would the credit cards be first? Or should I focus on the A firm first? Since the A firm.

• 1:33:19Caleb Hammer?

  A firm?

• 1:33:20Speaker 03

  Oh yeah, the A firm, how, since it has a higher interest rate.

• 1:33:23Caleb Hammer?

  Small, sorry, just balances. Don't overcomplicate it. You'll be fine. I, that's exactly what I would do. Alright, guys, there's a lot in the post-show. Oh my goodness. I guess there's some family debt we didn't talk about. Oh, and his mom just confronted on him. Oh, for sake, we might call it this. Okay, join Hammer League, the best membership on YouTube. He's proved that three premium shows, incredible, high-quality shows, posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. Click that join button. Let's get the Hammer financial score. Spending in a budget, overspent, zero out of 10, debt. HELOC and everything, but no collections, one out of 10, no IRS debt. Emergency fund, there was nothing, zero out of 10, retirement, there's nothing, zero out of 10, real estate. Got a HELOC, you'd break even. It's.

• 1:34:07Caleb Hammer?

  HELOC has 12%. It's not great. I'll bring it to a three out of 10 for now. Once the HELOC's gone, it'll definitely go up immediately. So, yeah. I mean, the website, yeah, it's pretty much identical to the website. I got you. It was rounded up to a one as well, just like the site did. Get yours at CalebHammer.com. Now, join us in the post-show. It's gonna be a good one. See you there. They called the police on you?

• 1:34:27Speaker 03

  She called the police on me at the same exact time I called them on her.

• 1:34:30Speaker 04

  But she did steal from you.

• 1:34:31Speaker 03

  Yeah, she did. She stole from you?

• 1:34:33Caleb Hammer?

  She stole from you?

• 1:34:34Speaker 03

  She stole one of my credit cards, the Quicksilver card. She stole that. And then she stole my Nintendo Switch. And your heart.

• 1:34:40Caleb Hammer?

  What is wrong with you? You don't pay your bills, you're overdrafting, and so you won't pay your mother back even though they've given you everything. What is wrong with you?

• 1:34:47Speaker 04

  Yeah, Caleb, there's one more thing I wanted to bring up.

• 1:34:49Speaker 03

  If it's what I think it is, you're gonna hate me.

• 1:34:51Caleb Hammer?

  Don't forget to download the new Dollar Wise Budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand-new 30-day detailed budget meal plan, signed by me and mailed directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to DollarWise.com or click the link below.

• 1:35:23Speaker 07

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.