The Most Hated Woman In Financial Audit History

*THE GUY CALLED US BACK IN THE POST SHOW* and she is fully exposed as a liar. Shes making things up, exaggerating, and is the worst human ever. Post Show, watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.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 ============================= *Chapters* ============================= 00:00 Intro 01:30 Job & Income 03:30 employers worst nightmare... wdym BURNT OUT 11:43 i too get sugardaddies on accident lol 16:20 be careful fellas, women are dangerous... 30:07 she self-associated with Nikki LMFAAO 40:25 "high value" okay sure buddy 46:25 chat, who's side are we on? 01:09:10 needing moms validation is kinda weeeeird... 01:19:40 bullsh*t bullsh*t bullsh*t 01:26:00 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *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

  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.

• 0:29Caleb Hammer?

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

• 0:32Speaker 02

  I would send news for money.

• 0:34Caleb Hammer?

  I want to show you, unfortunately, the modern young woman in grand display.

• 0:38Speaker 02

  So because I was in Austin, I'm like, oh, let me get Tinder again to explore the area with attractive male. He low-key followed me up to my hotel room.

• 0:46Caleb Hammer?

  Who?

• 0:46Speaker 02

  This guy from Tinder.

• 0:47Caleb Hammer?

  Okay, so you met?

• 0:48Speaker 02

  And then he was trying to hook up with me, and I was like, no, I'm not like that anymore. And then I low-key kicked him out.

• 0:52Caleb Hammer?

  She went around [BLEEP] a lot of guys and hooked up. Okay, that's good. She consented to it, they consented to it. Then she flew here in Austin, chose to meet up with a guy. The guy wanted to hook up, and she just made him sound like a creep.

• 1:04Speaker 02

  Said no to him multiple times, like he was trying to take off my clothes, and I'm like, no.

• 1:08Caleb Hammer?

  What? No, no, you're pushing the [BLEEP] goalpost. She did not say that. You are literally why nobody believes any [BLEEP] claims, any assault claims, anything at all. You have destroyed it.

• 1:21Caleb Hammer?

  The girl you met last night is trying to insinuate that you assaulted her. Please give me a call back. You gotta hear his side of the story, right?

• 1:27Speaker 02

  Yeah.

• 1:29Caleb Hammer?

  Merry Christmas in July. I'm in a giving mood, even for you naughty ones. Budget, debt, investing, real estate, all of it. 50% off right now. Not sure where you stand? My new and improved Hammer Quiz does the dirty work for you. Two minutes and you'll know exactly how naughty or nice your finances look. Plus, next steps based on your score. Take the quiz, then take advantage of 50% off, and finally fix your finances for good.

• 1:58Speaker 02

  Hi, my name's Camille. I'm 22 years old. I'm from Newcastle, Pennsylvania, and this is Financial Audit.

• 2:04Caleb Hammer?

  Thanks for coming down to Austin. What do you do up in Newcastle for a living?

• 2:08Speaker 02

  I work as a direct support professional, or DSP.

• 2:11Caleb Hammer?

  Okay, cool. What are you making?

• 2:13Speaker 02

  I'm actually making pretty good for the area. I make $20 an hour, and then also I get gas mileage reimbursement every month.

• 2:19Caleb Hammer?

  Okay, well, are you driving all over the place?

• 2:21Speaker 02

  Oh, yes.

• 2:21Caleb Hammer?

  Or what's happening?

• 2:22Speaker 02

  Yes, you get 67 cents per mile.

• 2:25Caleb Hammer?

  Okay, but what does, okay, so what? What hits your account then? Per paycheck cycle?

• 2:29Speaker 02

  Um, so right now, I'm kind of in the starting period because I just started this job like in May. So it's kind of like, I'm unsure.

• 2:37Caleb Hammer?

  April, Magen.

• 2:38Speaker 02

  Because I had a different job, so...

• 2:40Caleb Hammer?

  You're over a month in.

• 2:41Speaker 02

  Yeah.

• 2:41Caleb Hammer?

  At this point, so...

• 2:42Speaker 02

  But it's kind of like my boss didn't want to like throw me to the wolves. She kind of wanted to like set me up a little bit.

• 2:47Caleb Hammer?

  Sure, but are you not working your full time?

• 2:49Speaker 02

  Well, right now, my last paycheck was like average 37 per week, but I also had the mileage.

• 2:54Caleb Hammer?

  37?

• 2:55Speaker 02

  37.5 hours each week.

• 2:58Caleb Hammer?

  No, no, what's the number that hits?

• 3:00Speaker 02

  I would say that one was like 1,600 with the gas mileage reimbursement.

• 3:04Caleb Hammer?

  Per week?

• 3:05Speaker 02

  Uh, every two weeks, by weekly.

• 3:06Caleb Hammer?

  Okay, so 1,600, you said?

• 3:09Speaker 02

  Yes.

• 3:10Caleb Hammer?

  Okay. So are we thinking it's going to be that 3,200? Listen, Newcastle, I'm honestly not as familiar. What major city is it near? I don't [BLEEP].

• 3:19Speaker 02

  I'm like halfway between Youngstown, Ohio.

• 3:26Speaker 02

  And Pittsburgh, Pennsylvania.

• 3:27Caleb Hammer?

  Okay, so this is not an insanely expensive cost of living area. So you should be fine doing that. And listen, at 22, that is not a bad place to be whatsoever. You know, if we're there by like mid 40s, you know, different conversation. But with where you are, that, that is actually pretty good. You sure didn't have to be on the show. You're doing very well. But now I am being told you're already kind of arguing with your boss about the hours, and you're like sending her long texts, and you're acting kind of [BLEEP], and like trying to get your hours shifted and stuff?

• 3:55Speaker 02

  Oh, I was starting to get a little bit burnt out because I would work...

• 3:58Caleb Hammer?

  Burnt out? You're not even a month into the [BLEEP] job burnt out. You don't know what burnout is. You've never had a job, you've never had a career. You're barely in your working life.

• 4:06Speaker 02

  I had my other job for a year, and I got very burnt out because that was like 40 hours a week, and I was doing a lot of overtime, too.

• 4:12Caleb Hammer?

  40 hours a week, okay, that's normal. We all do that, and we all do a little extra overtime. How much overtime?

• 4:16Speaker 02

  Um, like one or two extra shifts, but the shifts would be like 16-hour shifts. It was another DSP position, but it was more like clients where they had more needs.

• 4:24Caleb Hammer?

  So how many hours a week were you working?

• 4:26Speaker 02

  Probably like around 48.

• 4:27Caleb Hammer?

  Okay, which, I mean, listen, you're not really in the place of burnout, though.

• 4:31Speaker 02

  Oh, it was just over and over, and just a lot of issues I was having within the workplace.

• 4:34Caleb Hammer?

  Like you're at the prime of literally having energy and mental ability in your entire life.

• 4:39Speaker 02

  Nope, I got narcolepsy.

• 4:41Caleb Hammer?

  Well, still the prime of where you're going to be forever.

• 4:43Speaker 02

  Not, no.

• 4:44Caleb Hammer?

  Why, is your narcolepsy going to go away? So you'll probably have more energy now than you will at 40.

• 4:49Speaker 02

  Yeah, I've been on medication, but like I had to drop out of school in October because of it.

• 4:53Caleb Hammer?

  Okay, yeah, I mean, okay, that's sad, I guess. But I'm just saying, in terms of burnout and whatnot, like this young 20s is when you will have the most energy versus later in life. So if you're already experiencing burnout now, when there's people doing nursing and doctors and all this stuff, working more hours than that, firefighters, police officers, you can name a thousand positions. I think I worked that many hours, you know? It's not, it's, I'm not, I guess, on the feet, on my feet, working with, well, I am working with. But besides that, it's, if you're experiencing burnout now, you're not going to survive.

• 5:26Speaker 03

  What would you say to the drivers that can't even do 500 miles a day?

• 5:29Speaker 00

  They got soft hands.

• 5:31Speaker 02

  It's more like, for this job, I was working six days a week.

• 5:34Caleb Hammer?

  Sure, but you're already texting your current manager about moving your hours.

• 5:38Speaker 02

  Yeah, so...

• 5:39Caleb Hammer?

  So I'm not even talking about the previous job. I'm talking about now.

• 5:41Speaker 02

  Oh, no, this job, yeah.

• 5:42Caleb Hammer?

  You're less than a job in, and you're already like trying to change shit.

• 5:45Speaker 02

  No, I just wanted two days off. And it's only me.

• 5:48Caleb Hammer?

  In your first month!

• 5:50Speaker 02

  No, it's a, like, literally a new company. I started in March. I am the only DSP there right now.

• 5:54Caleb Hammer?

  I don't know if I'd ask for two days off in my first month, though. It just looked, it's just like not the best look.

• 5:58Speaker 02

  It's just it was spaced out a lot, and I was like, hey, like, I do need, like, I'm, I need like two days off.

• 6:03Caleb Hammer?

  A weekend, do you mean?

• 6:04Speaker 02

  Not a weekend, no, like during the week.

• 6:06Caleb Hammer?

  An extra two days off?

• 6:07Speaker 02

  No, a normal two days off. Because before, I was only getting one day off during the week.

• 6:11Caleb Hammer?

  Okay, but I'm sorry, if you're the only employee, and this is literally less than a month into the job, and you're asking for two days off during the week when the work needs to be done? This is, this is like, I'm not saying you shouldn't get it or that you don't need it, but that's a bad look. You also accepted the job with those hours. You understood what you were getting into.

• 6:28Speaker 02

  At that point.

• 6:28Caleb Hammer?

  Then why did you accept the job? Because it was your job you still accepted.

• 6:31Speaker 02

  We get, so basically, for each client, we get a certain number of hours they can have each week. My boss is also working as a DSP right now.

• 6:37Caleb Hammer?

  What do you do with your job? Come on, you might have to correct me, but is it not just honestly just like hanging out with those people?

• 6:42Speaker 02

  Yeah, taking them out, like advocating for them at doctor's appointment. My last job was more like...

• 6:46Caleb Hammer?

  So it's not like the most energy...

• 6:50Speaker 02

  Well, it's more, it's like empathy burnout.

• 6:53Caleb Hammer?

  Oh.

• 6:54Speaker 02

  Yes.

• 6:55Caleb Hammer?

  Oh, empathy burnout, come on. Like, what are we doing? Shut the fu... You're, now, I'm not saying that's not a real thing that exists in this world, but think of what humans have done throughout all of human history. You have the easiest job ever created in the existence of humanity. There's some, there's some easier jobs around you, but I'm talking about in, in, in the context of humanity. And they still did their jobs, working sunrise to sundown, working in the factories just 50 years ago. Empathy burnout is the least of anyone's concern from what they've done throughout all of human history. It's really hard to have empathy for that at 22. You can't be using that already.

• 7:39Caleb Hammer?

  I'm not saying it's not an actual thing that, I guess, it can drain your energy. But at this point, less than a month in, trying to get days off when you're the only employee, you have a pretty simple, easy job.

• 7:48Speaker 02

  Well, the thing is, I, it's not even weekends. Like, my current schedule right now, like this past week...

• 7:53Caleb Hammer?

  Okay, it's not weekends?

• 7:54Speaker 02

  No, no.

• 7:54Caleb Hammer?

  Great, that's good.

• 7:55Speaker 02

  Throughout the week. So like this week, I have off, obviously, yesterday and today. And then I worked 11:00 AM to 9:00 PM Monday. Tuesday and Wednesday, I worked, I was scheduled to work,

• 8:08Speaker 02

  10:00 AM to 7:00 PM. And then Sunday, I worked like 2:00 to 4:00, or 2:00 to 4:30. So that's kind of what the schedule is, but it's like some longer shifts.

• 8:16Caleb Hammer?

  Are we crying right now? I'm not sure. What's the point you're trying to make?

• 8:19Speaker 02

  I'm fine with the schedule now. It's like, instead of, that would be my schedule for six days in a row, and I only have one day off.

• 8:25Caleb Hammer?

  I mean, you literally told your boss you wanted the 10 to 7 hours. So you negotiated that time?

• 8:30Speaker 02

  Yes, I did say that.

• 8:31Caleb Hammer?

  So what the [BLEEP] are we talking about right now?

• 8:32Speaker 02

  I'm more talking about the fact that I needed more than one day off.

• 8:35Caleb Hammer?

  Imagine being a person asking for something, and when they get the thing they asked for, they complain about it and say they're having empathy burnout. What the [BLEEP] are we doing?

• 8:40Speaker 02

  No, I was having the empathy burnout before. I'm like, I need more than one day off.

• 8:43Caleb Hammer?

  Then get another job where you need less empathy. What the [BLEEP]?

• 8:45Speaker 02

  Oh, that's my issue. It seeps in every job, Caleb. Even my retail job.

• 8:49Caleb Hammer?

  No, your issue is you can't handle your own emotions, and you're using excuses to not work.

• 8:54Speaker 02

  No, I do like working.

• 8:55Caleb Hammer?

  You're 22.

• 8:55Speaker 02

  Oh, no.

• 8:56Caleb Hammer?

  You'll be fine.

• 8:57Speaker 02

  You got me all wrong. I like to work. I like to feel like I'm doing something for the bigger picture.

• 9:02Caleb Hammer?

  Just not empathetic, apparently, because that gets you drained real quick.

• 9:05Speaker 02

  It's just hard, especially also with the...

• 9:07Caleb Hammer?

  What can you do for the rest of your life if this is already happening?

• 9:10Speaker 02

  I actually do have plans.

• 9:12Caleb Hammer?

  Oh, what's your plans?

• 9:13Speaker 02

  Going to nursing school. I actually just talked to my mom today. We have a plan.

• 9:15Caleb Hammer?

  Are you not going to do empathy in nursing? Because...

• 9:18Speaker 02

  Well, I feel like it's less because you have like so many different patients, and it's not like you really have like the same patient for like constant.

• 9:24Caleb Hammer?

  Okay, fine, let's talk about hours. And nursing is brutal hours. How are you going to survive that?

• 9:30Speaker 02

  I've done 16 hours.

• 9:32Caleb Hammer?

  Done, but you're less than a month in, and you're already trying to get time off and complaining about shifting your hours to your boss. Come on, you wouldn't survive nursing. Come from a family of nursing. You wouldn't survive nursing.

• 9:44Speaker 02

  My mom actually is a nurse.

• 9:45Caleb Hammer?

  And you wouldn't survive doing what your mom does.

• 9:47Speaker 02

  Oh, she believes I can survive.

• 9:49Caleb Hammer?

  She believes, but does she know what's happening with you texting your boss and all this shit?

• 9:53Speaker 02

  Oh, yeah, she knows. She actually encouraged me to be like, oh, you, she's like, you do not need to work six days in a row.

• 9:57Caleb Hammer?

  Then she's encouraging bad behavior, and she's a [BLEEP] enabler, because that doesn't really make any sense. Nursing is like burnout to the extreme, man.

• 10:05Speaker 02

  Well, I feel like with nursing, at least, there's like different options. You don't just have to work in a hospital.

• 10:09Caleb Hammer?

  That is true. There are lots of options when it comes to nursing, but you are going to stop on, start on the bottom rung of the ladder as well at the same time, if I'm being honest. This is very, let me, let me see these texts between you and the boss.

• 10:21Speaker 00

  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 HouseMajorityPac.com. Not authorized by any candidate or candidate's committee.

• 10:50Speaker 02

  Oh, Lord. Okay.

• 10:51Caleb Hammer?

  Okay.

• 10:53Speaker 02

  Well, I'm also having another issue where this client keeps calling me out of hours, so it feels like I can't really, like, be off of work.

• 10:58Caleb Hammer?

  Oh, my goodness. Shut the f- I have no sympathy for that.

• 11:01Speaker 02

  My boss specifically did say, hey, you're not on call.

• 11:03Caleb Hammer?

  I have always been reached out to bosses outside of work hours. That happens here. I have no sympathy for it. I'm sorry that, like, we all want the work-life separation. That is something we all strive for and should strive for. As bosses and employees, it's a good thing to strive for. It is also just a reality of life that all aspects of life intermingle with each other at inconvenient times. That is just a reality. I'm sorry for the lack of empathy on that, but that is a real thing.

• 11:30Speaker 02

  I do feel like my boss is handling it well, though. She's like, okay, yeah, like, we can work with that, but we need to also help the clients first.

• 11:37Caleb Hammer?

  Can you not show me the text? What are you doing?

• 11:38Speaker 02

  I'm looking for them.

• 11:39Caleb Hammer?

  What do you mean, looking for them?

• 11:40Speaker 02

  I text her a lot.

• 11:41Caleb Hammer?

  Why are you texting your boss so much?

• 11:43Speaker 02

  Um, because it's just me and her having the same clients right now in Newcastle, so it's kind of just us. I'm hunting. I mean, you can hunt if you want. It's very much text, though.

• 11:54Caleb Hammer?

  Okay, so what are we talking about, man? What are we talking about today? Because you do well. You're gonna [__] it, but you do well. You're obviously in a financial complete mess to be on this show, but what are we talking about today?

• 12:07Speaker 02

  Well, I'm putting myself accidentally in the position where I am going to have to sleep with my sugar daddy for money.

• 12:13Caleb Hammer?

  Accidentally? I don't think that's accidental if you have a sugar daddy. You usually don't stumble into that accidentally. Whoopsie, slipped inside.

• 12:21Speaker 02

  Oh, I posted, like, a fun post on Yik Yak. Do you know what Yik Yak is?

• 12:25Caleb Hammer?

  Yes, I didn't know it was a thing. That was a thing like 10 years ago.

• 12:27Speaker 02

  Oh, it's a thing for colleges now. They made it so you have to verify, but I put a-

• 12:30Caleb Hammer?

  It always was for college.

• 12:31Speaker 02

  Yeah, I posted a thing being like, oh-

• 12:33Caleb Hammer?

  Show me.

• 12:34Speaker 02

  I don't have the app anymore. It was toxic, and I- brain hurt.

• 12:38Caleb Hammer?

  Yeah, it's like, isn't it like anonymous posting? Okay, what did you post on Yik Yak?

• 12:42Speaker 02

  I basically posted some-

• 12:43Caleb Hammer?

  That doesn't seem like an accident. You posted something.

• 12:44Speaker 02

  I basically posted something, being like, oh, it'd be nice to have a sugar daddy, and then he just appeared in the DMs.

• 12:48Caleb Hammer?

  Okay, of which you cannot respond to and block.

• 12:51Speaker 02

  No, oh, I did respond.

• 12:53Caleb Hammer?

  Continues to sound like accidents, but continue. Continue. Tell me.

• 12:57Speaker 02

  Well, I, um, we had each other on Snap. I did accidentally remove-

• 13:00Caleb Hammer?

  Okay, so you added him on Snap. Oops, whoops, accident, click the button. [__] are you talking about? Continue.

• 13:07Speaker 02

  Well, basically, so anyway, he, like, would- I would send nudes for money.

• 13:11Caleb Hammer?

  You actually would? Okay.

• 13:14Speaker 02

  Well, like, during hard situations.

• 13:16Caleb Hammer?

  Are they good?

• 13:18Speaker 02

  I mean, I don't take nudes normally, so I don't know.

• 13:21Caleb Hammer?

  Okay, who was this guy?

• 13:23Speaker 02

  Um, he went to my school. Apparently, he did, like, the online version, though, so I would-

• 13:26Caleb Hammer?

  He was a student in school. He was just- why wasn't he just [__] like college students, then? Why was he paying for nudes?

• 13:32Speaker 02

  I don't know. I actually don't know what he looks like, because I refused at a certain point.

• 13:36Caleb Hammer?

  Okay, so what were you making via nudes? What would you send?

• 13:39Speaker 02

  Um, like, six-ish photos, and he would, um-

• 13:42Caleb Hammer?

  Of what?

• 13:43Speaker 02

  Me.

• 13:44Caleb Hammer?

  Yeah, of what?

• 13:46Speaker 02

  Like, my chest and stuff.

• 13:47Caleb Hammer?

  It was just-

• 13:48Speaker 02

  Um, and then-

• 13:51Caleb Hammer?

  Oh, you went full hole. That's actually- would not do that. That's rough. That might get- be wary of screenshots, but, okay.

• 13:59Speaker 02

  Oh, yeah, I literally yelled at him. I'm like, you're not allowed to save anything in Chatter, screenshot it.

• 14:01Caleb Hammer?

  And did he?

• 14:02Speaker 02

  He didn't, because he would actually ask later on, oh, can I- can you send something, say, in there? Ah, yeah.

• 14:08Caleb Hammer?

  Number two, how much did you make?

• 14:11Speaker 02

  He sent me, like, 150, like, 200 each time.

• 14:14Caleb Hammer?

  That's insane for a titty pic? That's [__] crazy. How do people not know Google exists? Why is he not happy not any dating app and just getting laid? It's college. Everyone's [__].

• 14:23Speaker 02

  Well, he's only online school, and he doesn't live near the school. I guess that was his issue. I don't know.

• 14:27Caleb Hammer?

  That's [__] pathetic, okay.

• 14:29Speaker 02

  I do miss him, though, because I might have jumped the gun on a potential relationship, and I removed him on Snap.

• 14:32Caleb Hammer?

  You don't know what he looks like.

• 14:34Speaker 02

  I want him to find me again. I miss him. Because he would check-

• 14:37Caleb Hammer?

  What do you mean? You removed him on Snap, add him again, then?

• 14:39Speaker 02

  I don't know where he went.

• 14:41Caleb Hammer?

  Huh? You don't remember his username?

• 14:42Speaker 02

  No.

• 14:43Caleb Hammer?

  Well, did you block him?

• 14:44Speaker 02

  No. I know, and he, like, would check in with me emotionally, so it was like a little emotional connection, too.

• 14:50Caleb Hammer?

  What [__] is wrong with you? That's so [__] weird. You're such a weirdo. Okay, um, okay. I guess you- but you've never even seen what he looked like. Did you- so you never met him?

• 15:02Speaker 02

  No.

• 15:02Caleb Hammer?

  So you- okay, well, you said, so you don't accidentally sleep with someone for money or something? Have you slept with someone for money?

• 15:09Speaker 02

  Oh, not for money, but I- but I-

• 15:11Caleb Hammer?

  Well, yes, I assume you've slept with someone.

• 15:13Speaker 02

  Yes, but more I wouldn't, like, I wouldn't do it for money. I'm more, like, forgot to ask for gas money, and that's why one of my cards got really bad, because I would just be driving around all these different colleges.

• 15:24Caleb Hammer?

  Wait, whoa, whoa, whoa, huh? Wait, what are you saying? You're driving all the- what do you mean? Driving around these different colleges?

• 15:29Speaker 02

  Okay, basically, I had Tinder, and I- there was not a lot of people on- at my last school, because I transferred schools because of this, but, um-

• 15:35Caleb Hammer?

  Because of this?

• 15:36Speaker 02

  Yeah, because of the hookup thing. Like, I literally had, like, mental breakdown, slightly.

• 15:41Caleb Hammer?

  Because of what? I'm so confused. You're saying things, but I don't know what you're saying.

• 15:45Speaker 02

  Oh, Lord, it was like-

• 15:46Caleb Hammer?

  Full rundown, dude.

• 15:47Speaker 02

  It was a very impulsive time of my life, and I really regretted it, and I had a breakdown.

• 15:51Caleb Hammer?

  What did you do? You're not saying anything.

• 15:54Speaker 02

  I drove around to all these different colleges and got myself into bad debt. That's why my mom is paying off all my cards.

• 15:59Caleb Hammer?

  Bad debt for how? Why?

• 16:01Speaker 02

  I'm not asking for gas money, because I would be driving, like, up to an hour.

• 16:03Caleb Hammer?

  Why were you driving to the different college campuses? Do you know how to tell a story? Why were you driving to different college campuses?

• 16:10Speaker 02

  For hookups, or like-

• 16:12Caleb Hammer?

  So you were [__] getting railed at different college campuses?

• 16:14Speaker 02

  Yes.

• 16:15Caleb Hammer?

  And for free?

• 16:16Speaker 02

  Yeah, basically.

• 16:17Caleb Hammer?

  This wasn't sugar mommy?

• 16:17Speaker 02

  No.

• 16:18Caleb Hammer?

  Or a daddy, I guess. Uh, okay, so why'd you bring up the sugar daddy thing if you're just going around getting railed?

• 16:23Speaker 02

  Because I looked at my time, and I was just like, man, I could have gotten so much money for just like that, basically.

• 16:31Caleb Hammer?

  Why should you get money for fun? Weren't you having fun? People hook up in college. That's what college is. Why were you doing it? Come on. Are you like a [__] addict?

• 16:38Speaker 02

  Kind of, yeah, at the time.

• 16:41Caleb Hammer?

  At the time?

• 16:42Speaker 02

  I'm recovering.

• 16:42Caleb Hammer?

  When was that?

• 16:44Speaker 02

  That was like my second semester freshman year to, um, all through sophomore year.

• 16:51Caleb Hammer?

  What grade are you in?

• 16:52Speaker 02

  I'm now a senior.

• 16:53Caleb Hammer?

  Okay, so I doubt you've rego- oh, fine. When's the last time you had sex?

• 16:57Speaker 02

  A few months ago, but before that, I didn't have sex since January.

• 17:00Caleb Hammer?

  Are you telling me if Brandon right there said, let's have sex afterwards? Okay, he's giving a face, so I don't- okay, either way. If he wanted to, are you saying you would say no?

• 17:10Speaker 02

  I would say we can make out, not have sex.

• 17:12Caleb Hammer?

  Which turns into sex, usually.

• 17:14Speaker 02

  Actually, last night, I actually, um- so because I was in Austin, I'm like, oh, let me get Tinder again to explore the area with an attractive male. He fol- Loki followed me up to my hotel room.

• 17:24Caleb Hammer?

  Who?

• 17:25Speaker 02

  This guy from Tinder.

• 17:26Caleb Hammer?

  You met a random guy from Tinder the moment you landed in Austin?

• 17:29Speaker 02

  No, I did some things by myself. I actually was, like, gonna try to find somebody, like, oh, let's go to a nice food spot or something. I've never been here, so-

• 17:36Caleb Hammer?

  Okay, so you met-

• 17:38Speaker 02

  Yes.

• 17:38Caleb Hammer?

  A man?

• 17:39Speaker 02

  Yes.

• 17:40Caleb Hammer?

  Okay.

• 17:40Speaker 02

  And then he was trying to hook up with me, and I was like, no, I'm not like that anymore. And then I Loki kicked him out.

• 17:44Caleb Hammer?

  This is- this is so interesting. Ladies and gentlemen, have you followed what she just said? I want to show you, unfortunately, the modern young woman in grand display. She went around [__] guys and hooked up. Okay, that's good. She consented to it. They consented to it. Then she flew here in Austin, chose to meet up with a guy. The guy wanted to hook up, and she just made him sound like a creep for coming with her to the hotel and trying to hook up.

• 18:09Speaker 02

  Well, we were walking around in public, and then I'm like, oh, do you want to walk me? Like, he was just standing there near me at the elevator, so I'm like, are you gonna walk me up? And he's like, I don't care. And then I was like, I'm just gonna go, and he just followed me a bit. And then I was trying-

• 18:21Caleb Hammer?

  Do you not understand what you just said? You were like, you wanted him to walk you up and stuff.

• 18:25Speaker 02

  I didn't. I was- I was trying to go up.

• 18:27Caleb Hammer?

  This- you are the modern young woman. You guys are broken. The moment you guys want to hook up is totally good, but if a guy wants to hook up, it's creepy and weird. You know, you can just say no and move on with your life.

• 18:40Speaker 02

  Oh, I said no to him multiple times. Like, he was trying to take off my clothes, and I'm like, no.

• 18:44Caleb Hammer?

  What? No, no, no, you were pushing the [__] goalpost. She did not say that.

• 18:47Speaker 02

  Oh, no, he was in my-

• 18:48Caleb Hammer?

  No.

• 18:49Speaker 02

  He was in my-

• 18:49Caleb Hammer?

  No, you said he was trying to.

• 18:51Speaker 02

  Yeah, he was in my hotel, and like, I'm like, walking around doing stuff, and he's like, trying to take off my clothes, and he's- and I'm like, no. And then eventually, I, like, open up the door. I go, I'm sweaty and I'm tired. Get out.

• 19:02Caleb Hammer?

  Unfortunately, I don't believe that, because that's what you should have said at the beginning. You're making him sound creepy for being at your hotel when you both walked to your hotel. So unfortunately, based on what you said, I do not believe you. And I know people like you, in my own experience and my own friends' experience, are just [__] liars when you get called out because you made someone sound like a creep. They weren't a creep, so then you have to make something up to make them sound like a creep? It's- it makes no sense. I don't believe you. Why- why didn't you say that? You said specifically that he showed up at the hotel.

• 19:29Speaker 02

  Oh, no, I invited him to come- I tell- I- we walked around in the public, and then he walked me back to my hotel, which was nice. That was the nice part, but then, once we went upstairs, he kind of, like, came into my hotel room without me asking.

• 19:43Caleb Hammer?

  Okay, first of all, you guys went upstairs.

• 19:46Speaker 02

  Because I was trying to be nice.

• 19:47Caleb Hammer?

  You guys went upstairs. It is a natural, organic thing for two people walking around on a date to go upstairs together, unless you specifically give very intentional and clear clue- not even clues, but just say, okay, thank you, have a good day. And then if he starts to come up, I- I don't want to do that. He is not a bad person for going through the next natural step, of which you have done yourself multiple times. You were not creepy when you did that with, I'm being told, 40 men back in the college days, which I don't even care. I'm not a body cam person. I don't give a [__]. Okay? Not even shame for you. Who cares? Just have sex, have fun. You would not have been a creepy person if you did that, but you were making a guy

• 20:31Caleb Hammer?

  sound like a creepy person for doing that. Now, if what you said is him walking around your apartment and he was like touching and being weird and you're like, no, I don't want to do this, please leave. And he didn't do that, then he's a creep and should be posted about online. But you didn't bring that up. You only brought that up after three times where I said he was doing, you know, just normal and you had to push the goalpost. Because people like you do that. So be honest right now. Be honest right the [bleep] now. Because if you lie, I will catch you in this lie because I will contact that individual and we'll put it as a [bleep] his side of the story. Was he in there in the hotel room, taking off your clothes and you strictly looked at him and said, no, I do not want

• 21:14Caleb Hammer?

  to do that. Is that what happened? Because I will get his side of the story. I have the resources and I will get him.

• 21:21Speaker 02

  Can I say exactly what I said? Because we were in the bathroom, I was taking off my makeup. He comes up to me, kisses me, and then he starts pulling up my shirt.

• 21:29Caleb Hammer?

  Okay, pa, pa, pa, pause. He kisses you? Did you say something? Did you kiss?

• 21:33Speaker 02

  No, I kissed him. Yeah.

• 21:34Caleb Hammer?

  You kissed?

• 21:34Speaker 02

  Because we were doing that throughout the day.

• 21:35Caleb Hammer?

  Okay, so there's implied consent. Now, remember, you are not a victim because you are a young woman. This is what they do every single time. Just like, let's, I want to do the example. When you went to all those college guys campuses and you kissed a guy and then went further, there was implied consent. Remember, when you did that, you weren't creepy. Continue, what happened?

• 21:55Speaker 02

  So basically, he started doing that. I said, no, we're not going to do that.

• 21:57Caleb Hammer?

  Okay, good.

• 21:58Speaker 02

  Because we did have a discussion earlier that night where I said I didn't want to do any of that.

• 22:01Caleb Hammer?

  You set a boundary? That's good. That's good you set a boundary. Okay, and?

• 22:05Speaker 02

  And then he stopped for that time and then he kept continuing. Like he would, like, I was walking around, like trying to get stuff done. So I could go to bed because it was like midnight at this point. I'm like, I gotta be up early.

• 22:17Caleb Hammer?

  Okay, show me the conversation.

• 22:21Caleb Hammer?

  I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections, whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out? Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt. And here's the

• 23:03Caleb Hammer?

  thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A+ rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com/hammer. That is pdsdebt.com/hammer. PDSdebt.com/hammer. 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

• 23:47Caleb Hammer?

  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? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below.

• 24:27Speaker 02

  Show you the conversation over text.

• 24:28Caleb Hammer?

  Episode was supposed to be, but I am, I'm so sick of these [bleep] TikTok-brained professional victims thinking something is wrong. If this dude-

• 24:38Speaker 02

  This was all before.

• 24:39Caleb Hammer?

  If this dude persistently followed her around after she said no in the hotel to try to keep touching her, that would be bad. At that point, I am on your side and against him. You did not bring that up when you were saying he was creepy at the beginning, though.

• 24:51Speaker 02

  That was our whole conversation before we met up. We don't have anything from after.

• 24:56Caleb Hammer?

  Because this is the concerning part. Based on how you act and how the amount of hookups you've had, and then the one time someone tries to make a move, like you freak out. If Brandon, or if Mika, or if Mark, or if I, if any of us have consensual sex afterwards, this is an example, not a proposal. If that were to happen, you could literally do anything and weaponize that against people whose careers are attached to the internet. And it is disgusting. And the amount of people I've seen you do that, the friends of mine, is horrendous. And you're already having that attitude.

• 25:24Speaker 02

  Oh, I've never done that to anyone. Like, I've had situations where I genuinely, like, people have told me, like, [bleep] that is, Camille, that is assault. And I'm like, wow.

• 25:33Caleb Hammer?

  Okay, but also, I don't even [bleep] believe it. Because, for example-

• 25:36Speaker 02

  I've never gone further with things.

• 25:38Caleb Hammer?

  Because that's something that happens on TikTok all the time, where people tell someone that they're a victim. Like, don't even listen to them. They're [bleep]. They get fuel off it. Don't even listen to them. If you didn't consent to something, something, and then something was forced to happen, that's bad. But unless that happened, like, don't listen to your friends. They're literally just [bleep] tea chasing.

• 25:56Speaker 02

  Yeah, the TikTok ones where it's like-

• 25:58Caleb Hammer?

  Exactly, that's the TikTok people.

• 25:59Speaker 02

  This is sexual assault and stuff like that.

• 26:01Caleb Hammer?

  And really, someone just brushed up against your hand. Yes, that's-

• 26:04Speaker 02

  No, it's like major things. Like, I don't smoke weed anymore because I was like, you know the process, like, right before you green out when you're just a blob laying there? Like that meme of Peter Griffin without any bones?

• 26:14Caleb Hammer?

  Did the other person smoke as well?

• 26:15Speaker 02

  A little bit. Not as much as me.

• 26:17Caleb Hammer?

  Well, there you go. So it's not, that doesn't matter. We're not having a competition. It's not [bleep]. The college poster is not real life. Like, if a woman drinks and a man drinks, then the man's the [bleep]. Like, that's not real life.

• 26:31Speaker 02

  Yeah, well, anyway, I was kind of just laying there and it happened and I was just like, okay.

• 26:34Caleb Hammer?

  But, and you were both high. Like, it's hard. Maybe that's really bad. I'm not going to defend it. But the thing is, again, we can't do the college campus where she's drunk, he's drunk, but he's [bleep].

• 26:44Speaker 02

  Yeah, I don't, that's why I don't smoke weed anymore, because of that situation. And I try not to put myself in those positions, really, anymore.

• 26:51Caleb Hammer?

  He said, maybe we can do something else, I guess, instead of getting a drink because he didn't want to get a drink because he's an narcolepsy. Is there anything you specifically want to do? Says, you said you're fine to go to bar.

• 27:00Speaker 02

  Yeah, and that's where we went.

• 27:01Caleb Hammer?

  He said, okay, I can meet near your place and then explore around. Come on, let's have context clues here. Meet near your place? We kind of know what we're trying to do afterwards. We're not literally brain dead [bleep].

• 27:12Speaker 02

  I kind of am very naive and I like to think that-

• 27:14Caleb Hammer?

  Okay, then shut the [bleep] up. Then you're a victim to yourself, but not because of others.

• 27:18Speaker 02

  That's why, really, if I, if I'm in a situation-

• 27:20Caleb Hammer?

  Which, by the way, if you were actually assaulted and that dude was fully conscious just as much as you in that previous situation, then I'm on your side and you are a victim. The thing is, we cannot play the game. If we're having real adult conversations where both people get [bleep], but only one is the unconsenting, one is the consenting person. Like, that can't be how we live life.

• 27:36Speaker 02

  Yeah, that's why I've never, like, on, like, [bleep] or anything about that. I can also show you our Tinder conversation, too, if you want. Yeah, that chunk of text, like, there's a very chunk of text at the very end and he just walked up to me. So.

• 27:49Caleb Hammer?

  I mean, you guys were also meeting very late.

• 27:51Speaker 02

  Like, around like 9:20-ish.

• 27:54Caleb Hammer?

  Like, come on. We know what the implications are.

• 27:58Speaker 02

  I just wanted to go to the bar, man.

• 27:59Caleb Hammer?

  We're going to the bar next to your hotel. Don't be [bleep].

• 28:02Speaker 02

  I didn't want to sit in my hotel and just watch YouTube. That's, I can do that at home.

• 28:07Caleb Hammer?

  The guy said, we can totally go inside, too, so you can set your room temperature what you like, because you said it's hot outside.

• 28:15Caleb Hammer?

  Okay, so.

• 28:19Caleb Hammer?

  Was he handsome?

• 28:20Speaker 02

  Yeah. He had an accent, too. He was cute.

• 28:22Caleb Hammer?

  What kind?

• 28:23Speaker 02

  I don't know, honestly.

• 28:25Caleb Hammer?

  Okay, go ahead and bring up the chat. Sure. On Tinder.

• 28:29Speaker 02

  Okay.

• 28:31Caleb Hammer?

  I mean, you have a quote, and this is coming, this is a quote from you in the pre-production interviews, that you pride yourself on terrorizing men on Tinder. Do we see what is happening here, guys? How we, I no longer believe people when they say things anymore. I really don't. Which is really sad, because a lot of people go through really bad things, and you ruin it.

• 28:50Speaker 02

  I really should have saved his contact, because now I forget where he is and here.

• 28:54Caleb Hammer?

  It's okay, I have his phone number.

• 28:57Speaker 02

  Okay.

• 29:13Speaker 02

  Yeah, our Tinder conversation isn't much.

• 29:14Caleb Hammer?

  Well, let's see. I want to see what it looks like.

• 29:17Speaker 02

  Here. My friend, oh, my friend, my best friend of the world said that he actually was attractive, and usually that is not my thing with men.

• 29:27Caleb Hammer?

  Yeah, good-looking dude.

• 29:29Speaker 02

  I don't have a good track record.

• 29:31Caleb Hammer?

  I don't know what that means, what you're saying, they're ugly?

• 29:34Speaker 02

  My friend thinks they're ugly.

• 29:35Caleb Hammer?

  Be get with people you're attracted to. Who cares? You're so obsessed with listening to your friend, like, they tell you what happened to you and what you're supposed to like. Shut the up. Are you not your own person? Dude, people like you are crazy.

• 29:45Speaker 02

  I am, but I look for outside validation on things.

• 29:48Caleb Hammer?

  Well, shut the up.

• 29:54Caleb Hammer?

  Dude, come on. His thing is, are you vanilla or rough on his bio? You seriously cannot be.

• 30:01Speaker 02

  I was iffy on that, but there was like not other.

• 30:10Caleb Hammer?

  Like, maybe you're a victim, but I just, like, don't believe people like you.

• 30:14Speaker 02

  About to ask if you want to look at my profile.

• 30:19Caleb Hammer?

  The girl you met last night is trying to insinuate that you assaulted her. Please give me a call back. We need to talk.

• 30:27Caleb Hammer?

  We gotta hear his side of the story, right?

• 30:29Speaker 02

  Yeah.

• 30:33Speaker 02

  I'm kind of self-banned from Tinder at this point. My mom said I'm not allowed to use it anymore.

• 30:39Caleb Hammer?

  Your mom at 22, you're so weird.

• 30:41Speaker 02

  No, but she she gave me another app because she knows I'm not looking for hookups right now. I'm looking for more like long-term.

• 30:47Caleb Hammer?

  Right, even though you're looking, says still figuring it out.

• 30:50Speaker 02

  Yeah, because I'm like long-term or friends.

• 30:52Caleb Hammer?

  So it's so, dude, there's nothing wrong if you want to have sex with people. Who cares? There's nothing wrong if you want to go on dates with people. Who cares? That neither of these things are bad.

• 31:02Speaker 02

  I care because I go a little crazy whenever I want more and they don't.

• 31:06Caleb Hammer?

  What does that mean?

• 31:07Speaker 02

  Like Nikki from Obsession, that's like my inner deep thoughts.

• 31:11Caleb Hammer?

  Yes, where you are, obviously, we kind of know who you are. Based on everything you said.

• 31:19Caleb Hammer?

  See, and he's picking, she, you're you're doing like.

• 31:24Caleb Hammer?

  She was literally messaging so many guys, like, asking to meet up last night. Are we not getting this? Guys, are we not getting this?

• 31:31Speaker 02

  I wanted to go to the bar, man. I don't want to go by myself. I know that's dangerous.

• 31:36Caleb Hammer?

  Then go, but why only attractive men on a dating app? That is honestly the hookup app of dating apps.

• 31:41Speaker 02

  I wanted somebody to kiss.

• 31:46Speaker 02

  Someone to make out with.

• 31:49Speaker 02

  My other dating app's going well, though.

• 31:52Caleb Hammer?

  Which one?

• 31:54Speaker 02

  Um, it's like a Christian dating app for like long-term.

• 31:59Caleb Hammer?

  Yeah, pull up his chat again on Tinder. Which one's him? You're crazy.

• 32:05Speaker 02

  Now I have to try to remember his name again.

• 32:07Caleb Hammer?

  Don't you have like 50 bodies or something?

• 32:09Speaker 02

  Yes.

• 32:11Speaker 02

  I have also, I have a Zodiac sex ranking I made.

• 32:16Caleb Hammer?

  Based on every guy?

• 32:17Speaker 02

  Yeah. Well, I stopped it after a while, but.

• 32:19Caleb Hammer?

  Well, good thing we never did, because I would have been at the bottom.

• 32:22Speaker 02

  Where are you going?

• 32:23Caleb Hammer?

  Why is your phone so slow?

• 32:25Speaker 02

  Because it's having a stroke because it's a 15. It's old.

• 32:29Caleb Hammer?

  15 is old. Isn't the 16 the newest?

• 32:32Speaker 02

  Oh, Lord, now you're okay.

• 32:33Caleb Hammer?

  I can bet you, kiddo.

• 32:37Caleb Hammer?

  These episodes go wild directions that no one's expecting.

• 32:46Caleb Hammer?

  And I also just don't care about the body count, but the Christian dating app thing's hilarious after that.

• 32:50Speaker 02

  Plus Zodiac sex ranking. Yeah, the Zodiac sex ranking with my cope.

• 32:54Caleb Hammer?

  So you can Tinder date on there?

• 32:56Speaker 02

  Oh, I just got Tinder just for this trip so I could find somebody. I usually just use the other dating app. No, to hang out with.

• 33:01Caleb Hammer?

  You're saying you would not have sex on this trip?

• 33:03Speaker 02

  No. I don't want to. I don't want to. Oh, actually, do have a collection of screenshots of me torturing men.

• 33:14Caleb Hammer?

  She's collecting screenshots. Are you guys getting this?

• 33:18Speaker 02

  Yeah. There's some pretty good ones in there. He might be busy.

• 33:24Caleb Hammer?

  Oh, he is.

• 33:26Caleb Hammer?

  Well, we're getting him before this thing ends.

• 33:32Caleb Hammer?

  Google Fi. He gave you his Google number, not his real number?

• 33:35Speaker 02

  Oh, I didn't realize that.

• 33:37Caleb Hammer?

  Uh, okay, yeah, sure. Show me the torture. May as well see. So you're someone who sends nudes for money, drives around to college campuses to have sex, and you blame that on you being in debt. When's the last time you had an STD/SDI test?

• 33:48Speaker 02

  I actually just had one recently. I'm waiting for the results, but that was, I've I had one like last summer, end of last summer.

• 33:53Caleb Hammer?

  How many bodies since then?

• 33:54Speaker 02

  Like, three.

• 33:56Caleb Hammer?

  Raw?

• 33:57Speaker 02

  Sometimes, yeah. That's why, well, this past time I like had slept with somebody for the first time since January, and I was like, oh, let me just get an SDI test. Yeah, I am.

• 34:08Caleb Hammer?

  You don't let them?

• 34:09Speaker 02

  No.

• 34:11Speaker 02

  Here, this is my lovely collection, my Tinder Hall of Fame.

• 34:19Caleb Hammer?

  I'm not taking advice from a man who probably doesn't wash his ass. Does a finger ever slip in? You have a gun, I don't think I'm allowed to be near it.

• 34:29Caleb Hammer?

  Why don't you drive me around then? I feel like you would have your head out the window like a dog. You sound like meat before it gets cooked. Your name is one letter off from being booty.

• 34:40Speaker 02

  Booby. Yeah, that was funny.

• 34:41Caleb Hammer?

  Booby.

• 34:42Speaker 02

  Yes.

• 34:42Caleb Hammer?

  Come back to me, my boy. I'm in Newcastle and ready to rumble. I'm a come-through like your wall, like the Kool-Aid man.

• 34:50Speaker 02

  That was a guy that I think had blocked me, and I matched with him again on Tinder. I'm like, hello?

• 34:55Caleb Hammer?

  It's 1 a.m. and I'm in bed. What happened to let me come take you on a date? Why doesn't now come over?

• 35:03Caleb Hammer?

  Where's my TBH? And rate David, I'm very serious about it.

• 35:09Caleb Hammer?

  You're no fun. You probably think flour is spicy. You need factory reset. I'm sending you back to your mom's womb. You're obviously undercooked. You're the sperm that should not have one. I'm going to impregnate you.

• 35:25Caleb Hammer?

  Truck scare me. Okay, that was too freaky of a first message.

• 35:33Caleb Hammer?

  I'm a nepo baby too, I think. If the nepo is depression, that is.

• 35:40Caleb Hammer?

  Okay.

• 35:43Caleb Hammer?

  Trust me, we'll look through this phone more later. I'm taking it off. Do not disturb. And.

• 35:50Caleb Hammer?

  Yeah, we're gonna look through a lot of things later.

• 35:55Caleb Hammer?

  Putting it on. Open?

• 35:58Speaker 02

  Oh, I never have the ringer not off.

• 36:00Caleb Hammer?

  Oh, ringer is on now, because we needed to know. So lots of men snapping you?

• 36:06Speaker 02

  Oh, not that many, to be honest.

• 36:08Caleb Hammer?

  Uh, seems like it.

• 36:10Speaker 02

  Yeah, majority are like friends and stuff. I don't usually keep a lot of people in my snap. Oh, yeah, my friends.

• 36:18Caleb Hammer?

  You're messaging a lot of people.

• 36:22Caleb Hammer?

  I think you're trying to be sexy with him. You're sending like that.

• 36:26Speaker 02

  Oh, those are old pictures.

• 36:27Caleb Hammer?

  You're sending them. Literally like a couple of days ago.

• 36:30Speaker 02

  I like to be cute seeing any of my snaps.

• 36:32Caleb Hammer?

  So you're only cute in your old pictures? That's not good.

• 36:35Speaker 02

  Well, I haven't been snapping people recently. I actually just snapped people back last night. They were on delivery for like five days, though.

• 36:40Caleb Hammer?

  Interesting, interesting, interesting.

• 36:42Speaker 02

  The only person I snap daily is my best friend, because our streak is the same amount of time we've met each other.

• 36:47Caleb Hammer?

  Be a whore if you want to be a whore. I love it. I'm a whore myself. But the thing is, don't try to cancel people for being a whore and making a move on you. If you are a whore and make a move on other people, and they don't try to cancel you. Come on. Don't be a hypocrite. You're not a victim because you're a woman. Not a victim because you're 22, your frontal lobe's not developed. Shouldn't allow you to vote then, if your frontal lobe's not developed yet. Shouldn't allow you to be in the military, or drive a multi-ton vehicle, or have a job, or go live independently. If you're not mature enough to say, sorry, I'm not interested.

• 37:16Speaker 02

  That's my main issue. I feel bad. The empathy man.

• 37:19Caleb Hammer?

  Okay, well, that's on you. The reality, and we need to have this conversation, if you are unable to. Because of your empathy. Say you're not interested in something, then you are not able to put yourself in those situations.

• 37:33Speaker 02

  Yeah, that's why I've been avoiding putting myself in those situations.

• 37:35Caleb Hammer?

  Smart, and you're not a victim. Because you went on a date. That's the reality. Okay, so you want your sugar to back because you're probably bleeding money, but you can't find them. If you only had one?

• 37:48Speaker 02

  Yeah, the other ones were like obvious scams, where like they were like, send us money first. It was like checks and stuff, and I know the scams, so I was like, no.

• 37:54Caleb Hammer?

  And they found you via the.

• 37:56Speaker 02

  No, these are other places, like, like the random texts you would get, or like the random, like, people adding you on Snap, being like, oh, do this, and it'll give you money.

• 38:03Caleb Hammer?

  Listen, men will anything.

• 38:07Caleb Hammer?

  That was a phone call.

• 38:09Speaker 02

  What was it?

• 38:09Caleb Hammer?

  Weird noise. Nothing. I thought I just heard a phone call. Um, okay. Like minimal [__] things. I get it. And you're not unattractive. I mean, you're a bit tall, I think, for some people. Got stretch marks here, which means your tits are probably big, which is nice. Everyone likes good tits. So I guess that's fine, but like, I don't want your future, regardless of the victim bullshit. I don't want your future to be sugar babying. That shouldn't be what you're looking for.

• 38:33Speaker 02

  Well, that can be my side hustle.

• 38:35Caleb Hammer?

  Really, though? But what are you willing to do for it? Cause they will always for you to make more money. I've had them on the show. They're sugar. They're sugar givers and the sugar takers. They will want to [__] for the money. And I know you love [__], but like.

• 38:49Speaker 02

  I'm not trying to do illegal things.

• 38:51Caleb Hammer?

  No, it'll, it'll, they'll frame it as more of like an escort type thing, you know, like, what, what is it like? Oh, you know, I'm giving you lots of gifts and then you have sex and, but the implication, the obligation is kind of there, but like not, you know? I think that's how they do it, right?

• 39:06Speaker 02

  I don't know. I'm pretty naive to these things.

• 39:07Caleb Hammer?

  Okay. Well, either way, that's where it would be expecting. And I don't want you to, I want you to consensually whore yourself up to your own thing, but I want you to be given out whole for money. Cause that's just not a good, healthy place to put yourself as a person. As a woman, as a individual on this planet. That's not necessarily a good thing. And I don't want that for your future.

• 39:27Speaker 02

  Yeah. Side hustle can be a, I usually.

• 39:29Caleb Hammer?

  Okay, fine. What does that look like then? What are you trying to do?

• 39:32Speaker 02

  Well, usually if I'm like really struggling financially, that's whenever I would reach out to the sugar daddy. Like if I was really in a bad situation.

• 39:38Caleb Hammer?

  But just one. Now you don't have one. So what now?

• 39:40Speaker 02

  I want him to find me.

• 39:41Caleb Hammer?

  He might not. He may have read the hint because guess what? If he, you removed him, if he found you and you didn't want him to find you, he'd be a creep. You'd blast him everywhere online and you'd ruin his career. But right now you want him to find you.

• 39:52Speaker 02

  It's like a burner snap though, I think.

• 39:54Caleb Hammer?

  Sure, but he doesn't [__] know. Why do you think people aren't willing to reach out to women in cold approach these days?

• 40:01Speaker 02

  I, I just always.

• 40:02Caleb Hammer?

  It's a 50 50 shot whether or not he reaches out to you, gets canceled and destroys his career online, or if you want him.

• 40:07Speaker 02

  I just assumed.

• 40:07Caleb Hammer?

  You want him, but he doesn't know. Why would he risk it?

• 40:11Speaker 02

  I just assumed I, I was unapproachable because I'm tall and scary.

• 40:13Caleb Hammer?

  Okay. You're not scary. You're like two inches taller than me. You're 5'11". It's, it's okay. It's fine. You're not unattractive again. And when, and when, you know, when, when people lay down, everyone's kind of the same height anyway.

• 40:24Speaker 02

  I used to say that as a pickup line. We're all the same height, horizontal.

• 40:29Caleb Hammer?

  There you go. See? It works. It works. Um, so I don't know. I wouldn't hold that against you. But what's the game plan here? Cause he's not going to find you. So what's the game plan? Is this side hustle?

• 40:39Speaker 02

  Well, the last time I needed to borrow money to last through the next payday, my mom gave me access again to that card that she's been paying off. And I said, okay, I'll just borrow this set amount of money. I did go over that. But I paid back already half of what I put on it. This paycheck and then I'm going to do.

• 40:54Caleb Hammer?

  No, you said the side hustle of.

• 40:58Caleb Hammer?

  Or pictures or whatever.

• 41:00Speaker 02

  Well, I was trying to get away from that a bit, but I do it when I'm like desperate, desperate for money.

• 41:04Caleb Hammer?

  Yeah, but you don't have him anymore. So what's the game plan now to find a new? Are you searching? Have you posted?

• 41:11Speaker 02

  I should probably do that, but.

• 41:13Caleb Hammer?

  Oh no, you probably shouldn't. I'm, I'd, I'd rather stop you before. What's funny is you're really ranting and raving in the pre-interview about how you see yourself as a high value woman. Really? How?

• 41:24Speaker 02

  I have a lot of empathy and a lot of love to give.

• 41:26Caleb Hammer?

  Is that what? Hold on. What? Okay. I dubs great, but there's high value. I mean, you've given it out like crazy by 22, which again, I don't even care. It's fun to be a whore, be a whore. That's fine. But you can't say you're then high value at that point, just like economically, right?

• 41:41Speaker 02

  Yeah. I don't know. Um, anyway, I think.

• 41:44Caleb Hammer?

  Cause you have empathy. We all have empathy. How it's demonstrated is different.

• 41:47Speaker 02

  Oh, I've noticed a lot of people are lacking empathy these days.

• 41:49Caleb Hammer?

  Well, sometimes it's demonstrating like, um, like me and I, I'd go, I'm not gonna. Other people have told me I have autistic tendencies. I, you know, I feel a lot of empathy towards things. I don't always demonstrate it the best though. So it's like different. You're in tune with your empathy. I'm proud of you.

• 42:08Caleb Hammer?

  What, what do you want for that? You're not, how are you high valued because of that? I guess.

• 42:12Speaker 02

  I'm very thoughtful. Like if somebody tells me something one time, I'll give them.

• 42:16Caleb Hammer?

  It's the most generic shit. Yeah. Oh, you give gifts. We all give gifts. Shut up.

• 42:22Speaker 02

  Meaningful ones, like my dad's Father's Day gift.

• 42:24Caleb Hammer?

  What would you give me?

• 42:25Speaker 02

  Oh, I did give you a gift. Okay. This is a whole little bit.

• 42:28Caleb Hammer?

  Okay. I thought you said you curate. How, how, what is this?

• 42:31Speaker 02

  It's my curation. It's a beautiful collection.

• 42:34Caleb Hammer?

  How does it apply to me? If you said you're a great gift giver, make this make sense.

• 42:38Speaker 02

  I thought you would enjoy it next to the LaBubu.

• 42:40Caleb Hammer?

  Why?

• 42:41Speaker 02

  Look, this one's yours.

• 42:42Caleb Hammer?

  What if I ever said that would make you think a potato in ramen would be me?

• 42:47Speaker 02

  I would have given you the potato and a burger, but I already, I didn't want one to take it away from my collection. This one was, I was willing to part with. This one's my like beautiful one that I really wanted.

• 42:59Caleb Hammer?

  So you're not a good gift giver.

• 43:01Speaker 02

  I'm, well, my dad's Father's Day gift, like if I know a person better.

• 43:05Caleb Hammer?

  Girl, you [__] nutted when I walked by the window of the green room. You know me.

• 43:10Speaker 02

  I was having a starstruck moment.

• 43:11Caleb Hammer?

  You, you like, you know me. I, and I'm, I'm.

• 43:13Speaker 02

  Not like on a personal level.

• 43:14Caleb Hammer?

  But I'm open about everything on this show.

• 43:16Speaker 02

  I know you like food.

• 43:17Caleb Hammer?

  Well, yeah, that's cause I'm fat. That's the basic. That's like, you just looked at me.

• 43:22Speaker 02

  Yeah. And I don't know. Ramen's good.

• 43:25Caleb Hammer?

  Ramen's good. I like ramen. Yeah. It's, it's good.

• 43:28Speaker 02

  I want it next to the LaBubu.

• 43:30Caleb Hammer?

  You're not going to get that. So you brought up your mom a couple of times so far. This relationship seems weird. She seems like a big enabler, man. But I'm also being told she like, doesn't believe you when it comes to multiple things.

• 43:43Speaker 02

  Yes.

• 43:43Caleb Hammer?

  Well, what, what is this? She's obviously a big part of this conversation.

• 43:46Speaker 02

  Yeah. Um, so whenever me and my ex-girlfriend initially broke up.

• 43:50Caleb Hammer?

  Girlfriend!

• 43:51Speaker 02

  Basically we broke up in 2020. So the whole, basically the whole situation is I wasn't out yet. So my mom didn't know. So I had to come out and then.

• 43:59Caleb Hammer?

  You weren't out yet?

• 44:00Speaker 02

  No. I, this girlfriend was like a whole secret relation. We were like best friends.

• 44:03Caleb Hammer?

  Do you see yourself?

• 44:04Speaker 02

  That was before I had the septum piercing and the super colorful hair. I actually had purple hair highlights at the time, actually.

• 44:10Caleb Hammer?

  Uh huh. Yeah. No one knew. Continue.

• 44:13Speaker 02

  Well, I'm sure people knew, but my mom didn't know. So anyway, I had to come out to her and then whenever the second time me and my ex-girlfriend dated, it was like.

• 44:21Caleb Hammer?

  People even care anymore?

• 44:22Speaker 02

  My mom did at the time.

• 44:23Caleb Hammer?

  Coming out is like a 2010 thing. This is like, no one gives a [__]. You're gay. Woo. Merry Christmas in July, you jolly [__] to celebrate. I'm giving you master your budget, master your debt, master your investing and master your real estate. All of it 50% off. I've worked with a team of experts to build the best courses on the planet. Create a budget that gives every dime.

• 44:48Speaker 00

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• 45:17Caleb Hammer?

  Hire a job so you never miss a cent. Get out of the endless minimum payment prison and take control of your money. Learn how to actually invest without losing your ass or your savings. Getting into real estate? I'll help you avoid the money pit and get more profit. And if you're unsure where you stand, shame on you. But you're in luck. My newly revamped hammer quiz, in just two minutes, you'll know just how naughty or nice your finances look. And if you've taken it before, look out for some new and huge improvements. Oh, and I have a special surprise for anyone who takes the quiz. Click the link in the description to learn more. Take the quiz, take advantage of 50% off and finally unf [__] finances for good.

• 46:02Caleb Hammer?

  If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

• 46:41Speaker 02

  Well, anyway, so the second time we dated, it was more of like a thing where I wanted to work on the relationship with my ex-girlfriend. Just pressured me for sex and then I gave in and then she, me, like, then we broke up.

• 46:49Caleb Hammer?

  What?

• 46:50Speaker 02

  For the second time. So anyway, my mom.

• 46:53Caleb Hammer?

  Pause there. Oh, you're doing it again. You're doing it again. What do you mean she pressured you into sex?

• 46:58Speaker 02

  Like she pestering me until I said yes. Constantly.

• 47:01Caleb Hammer?

  Well, first of all, first of all, in relationships, sex is normal. And if someone is not getting their sexual fulfillment in a relationship, it is normal for them to try to have conversations around it.

• 47:10Speaker 02

  Well, we had just gotten back together and I was like, hey, I don't want to do this. I want to work on a relationship.

• 47:14Caleb Hammer?

  Even though we're dating?

• 47:15Speaker 02

  I wanted to work on a relationship.

• 47:16Caleb Hammer?

  Okay. What was the pestering? What does that look like? Cause it's different.

• 47:19Speaker 02

  Just her constantly asking me.

• 47:21Caleb Hammer?

  Okay. Well, that's not inherently bad in a relationship. How she does it might be bad, but if you're just saying, hey, can we have sex?

• 47:29Speaker 02

  No, she was just trying to start things and I would just stop her.

• 47:31Caleb Hammer?

  What do you mean? No, no, no. Okay. She was making a move. Is that, well, hold on. Are we really doing this? We're making a move in a relationship is bad. Did she stop when you said no?

• 47:43Speaker 02

  Yeah, but she would constantly keep doing.

• 47:47Caleb Hammer?

  This [__] world is broken. Sorry. Maybe I am on the incel side. Maybe they were right. I [__] hate incels, but maybe they were [__] right. These people are insane. You're dating someone, you make a move, she says no, you stop and you're a [__]. Apparently. What the [__] is happening?

• 48:10Speaker 02

  Well, anyway, so she flipped the script.

• 48:14Speaker 02

  Well, anyway, so she flipped the script and said I was the one doing that and then my mom believed her.

• 48:18Caleb Hammer?

  Who even cares who's asking who for sex with dating?

• 48:22Speaker 02

  Well, it was more like she was like, I was pressuring. She said, she said I was pressuring her into it.

• 48:27Caleb Hammer?

  Dude, making a move isn't pressuring. You people, your buzzwords. You people are insane. You are literally why nobody believes any claims, any assault claims, anything at all. You have destroyed it. When a cancellation attempt comes against a creator these days, I literally not only stay neutral anymore, but I can't believe anything because of people like you. You're batshit insane. TikTok and Reddit and whatever has turned you people into victims. A girl, your partner making a move on you and stopping when you say no is not assault. You are not a victim. No one believes anything anymore for real victims because of you.

• 49:13Caleb Hammer?

  And this is 100% real. She's a real person. Is this show real?

• 49:17Speaker 02

  Yeah.

• 49:18Caleb Hammer?

  What the are we doing? You've ruined it for everyone. I don't believe a single claim against anyone anymore. And it's because of you. And there's like 40,000 TikToks and Reddit posts, like people like you every day. And listen, if you say, I felt uncomfortable in that situation, that sucks. I believe that and I'm on your side, but the issue is people like you bring a level of energy to it that you got assaulted. You didn't say assault, but you bring a level of energy to it. A nuclear attack that someone made a move on you, that you were dating. And that's not when you said no. It is insane what your TikTok bubble insanity,

• 50:01Caleb Hammer?

  young women, frontal lobe, dumbass have done. You've destroyed. Never, never, not a single one of you like her on there complain if you're not getting cold approached anymore. Don't complain. It is your fault. It is your fault. You've destroyed the dating pool. The sexlessness among young people is your fault. The lack of cold approach is your fault. You being single at 40 is your fault. You guys are insane and you've destroyed our dating culture.

• 50:33Speaker 02

  If it makes you feel any better, I never went public about things I don't use the buzzwords of.

• 50:37Caleb Hammer?

  Public, public. She, guys, she never went public about her girlfriend making a move and then stopping when she said no. She never went public. What a hero. What a hero. First of all, you are right now.

• 50:45Speaker 02

  Yeah.

• 50:46Caleb Hammer?

  I'm like literally one of the most popular podcasts on the entire internet across the world. So shut the up on that. And two, you just have something to go public about.

• 50:55Speaker 02

  Yeah, I wouldn't like for like other situations.

• 50:57Caleb Hammer?

  Moves on me and I've said no when I'm tired. I never went public about that. Why would I?

• 51:03Speaker 02

  Well, it was like other situations in the.

• 51:05Caleb Hammer?

  Oh, it was a goalpost. They've been pushed. You see how it happens every time.

• 51:12Caleb Hammer?

  So the guy last night.

• 51:14Speaker 02

  Yeah.

• 51:15Caleb Hammer?

  He essentially, because he wouldn't stop assaulted you, right?

• 51:18Speaker 02

  No, I don't use that word assault. I just say what it was.

• 51:21Caleb Hammer?

  Okay, what would you call it?

• 51:23Speaker 02

  I just say like, oh, he just kept doing things and I kept saying no. And then I eventually asked him to leave.

• 51:27Caleb Hammer?

  So that is, that would be assault, right? I think. At least extreme harassment assault? And that really happened, right?

• 51:35Speaker 02

  Yeah.

• 51:35Caleb Hammer?

  Good. Let's call the police.

• 51:37Speaker 02

  No.

• 51:37Caleb Hammer?

  Why? If this actually happened and this is real.

• 51:40Speaker 02

  And it wasn't a rape.

• 51:41Caleb Hammer?

  How'd you handle it?

• 51:42Speaker 02

  I asked him to leave after a bit of that. I like.

• 51:45Caleb Hammer?

  Wait, you asked him to leave and he left?

• 51:46Speaker 02

  Well, I literally held open the door and said, I'm sweaty and I need to change and I need to go to bed.

• 51:51Caleb Hammer?

  Did you ask him to leave before that?

• 51:52Speaker 02

  No.

• 52:04Caleb Hammer?

  I don't know if this part of our culture is repairable. Do the information, the people you've surrounded yourself and the people that have told you you're a victim. They've done so much damage to you and people around you. What the are we doing?

• 52:18Speaker 02

  I just keep not putting myself in those situations right now. I try to not.

• 52:21Caleb Hammer?

  She messaged like 30 guys on Tinder last night to meet outside her hotel to go get a drink outside her hotel at 10:00 PM. What the are you talking about?

• 52:28Speaker 02

  Well, I started doing that at like 6:00 PM. So.

• 52:31Caleb Hammer?

  Yeah, to meet at nine.

• 52:32Speaker 02

  No, it wasn't to meet at nine. I wanted to get.

• 52:34Caleb Hammer?

  Messages.

• 52:34Speaker 02

  I had to eat dinner alone. It was very lonely.

• 52:39Caleb Hammer?

  She's a victim in that too, guys. Who, what man are we going to rest in charge for that?

• 52:44Speaker 02

  Well, I was gonna pay for mine. I don't like people paying for me. I feel like they have like, they expect something in return. So I just, I would have paid for myself.

• 52:51Caleb Hammer?

  Oh my goodness, you're broken. You are a broken individual.

• 52:58Speaker 02

  Did he text back?

• 52:59Caleb Hammer?

  No.

• 52:59Speaker 02

  Or call?

• 53:03Caleb Hammer?

  It's crazy. This is crazy. You know what? My girl just texted me and she said, we're getting the good toilet paper again. Because she accidentally ordered the bad toilet paper. Should I claim she assaulted my asshole? Should I go on a big twit longer?

• 53:19Speaker 02

  You could make a joke about it. She assaulted my asshole with bad toilet paper. That would be funny.

• 53:24Caleb Hammer?

  And yeah, guess what? All the women in your circle would 100% support it and try to ruin her.

• 53:28Speaker 02

  No, it'd just be funny. It's like a joke thing.

• 53:30Caleb Hammer?

  You're pathetic. I don't even think you deserve a financial audit. People like you have literally ruined our society more than like anyone. You know, it's the suicidal empathy that people like you have too.

• 53:41Speaker 02

  We're a rare breed. Is it all the septum piercing girls with us?

• 53:44Caleb Hammer?

  Not a rare breed. It's the, it's the breed that has put people into office that allows us to have, if I want to go buy a calculator, it's locked up behind a chain link fence at Walgreens. You people have destroyed us.

• 53:58Speaker 02

  Is the septum piercing army?

• 54:00Caleb Hammer?

  No, you're bragging about your empathy and all this shit. It's the suicidal empathy where what makes you feel good, what you think is good. Moral masturbation for bad policies that have failed us. It's not left wing, by the way. It's not left wing. It's not right wing. But it's the extremism. It's that hyper horseshoe populism extremism of suicidal empathy and insanity. Then there's suicidal love. Not, I don't know the term for it, but if you horseshoe on the other side, there's just like the aggressive evilness as well. It's like you are all and you've destroyed our society. And I hope you one day wake up and realize how far from the center you really are. The center of normal people. Okay, let's give you a financial audit. Cause I guess even people that destroy our society need help too. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best.

• 54:43Caleb Hammer?

  We know your score is maxed out at 100 out of 10, but let's see.

• 54:47Speaker 02

  I took the quiz on the website.

• 54:49Caleb Hammer?

  Oh, the quiz on the website, Calebhammer.com.

• 54:51Speaker 02

  It said I was like a 4.6.

• 54:53Caleb Hammer?

  We'll see. We're retweaking it right now. So by the time this episode's out, we retweet it. Honestly, I'll be honest, something really weird happened. An employee at one point tweaked it without my consent.

• 55:04Speaker 02

  Oh.

• 55:05Caleb Hammer?

  Yeah, I know, right? I'm not gonna name. Um, good employee, but just like that was a mistake. Um, and that's really weird. So it will be fixed. Mark seems to really think it's Mika for some reason. I don't know why, but it's, it's not the head of financial audit Mika. Uh, but either way, go get your score. It should be updated now and reflect correctly because it's probably lower than that. Uh, Calebhammer.com. See where you're standing in the world of money, where you're doing poorly, where you're doing great. And if you don't want to be like a guest who ends up on the show, one, don't claim you got when you didn't get. Two, download the Dollar Wise Budget app. Actually take some accountability. I know. You, 22, young woman, colored hair, something piercing and accountability.

• 55:43Caleb Hammer?

  But download Dollar Wise and you can actually take accountability. Take the free trial. See if you like it. If you do, most people sign up for the annual version because it saves a lot of money, about 50%. And you get the physical version of my 30 day meal plan signed by me mailed directly to you and the digital version of the cookbook. See, I appreciate this. Look at that. She just got excited. She's a fan of the show. We only allow fans of the show to come on. How the do you even have those takes? If you're a fan of the show, how, how can you even be the fan of a show that shits down the throat of people like you consensually of like that kind of opinion? Like, how do you even have that take? How are you such a victim and everything when that's the literal opposite of what we preach here? It's kind of crazy, but I appreciate the diversity of the audience.

• 56:24Speaker 02

  Oh, I was very excited. I actually told Lindsay, I'm like, I need the cookbook.

• 56:30Caleb Hammer?

  Okay. Well, that's the meal plan.

• 56:31Speaker 02

  Well, I want the cookbook too. Even just a PDF.

• 56:34Caleb Hammer?

  Been gone for months. Yeah, you'll get the PDF. Just like you're gonna claim every guy you've been with is a PDF. You know how people like you work. You'll always push the goalpost. You'll say, you'll start saying they got with kids because you were, you had sex with someone when you were 19.

• 56:50Caleb Hammer?

  Aviant, what's going on?

• 56:51Speaker 02

  Okay, that one actually recently got doubled. So it used to be a 500 limit.

• 56:55Caleb Hammer?

  Limit got doubled?

• 56:56Speaker 02

  Yeah. Yeah. So it went up to 1,000 and low key, it's now maxed out.

• 56:59Caleb Hammer?

  So it's up from this balance from when you submitted it to 1,000? You know, you're coming on financial audit? And you double it overnight? Why?

• 57:07Speaker 02

  They did it at a nice time, convenient time.

• 57:09Caleb Hammer?

  Pull up the card. Oh, it's here.

• 57:11Speaker 02

  Yeah, you can have my phone, bud.

• 57:13Caleb Hammer?

  You know the thing that really sucks too? I, I, other than your like weird empathy jerk off and like cancellation, like the.

• 57:24Caleb Hammer?

  Other than that, it's the other conversations, like, I like you. It's like a friend, like, we would be pals. You seem cool, but then you have this insanity part of you that I don't understand. Makes no sense.

• 57:39Speaker 02

  I think that's the best description of me anyone's ever given me. Thank you.

• 57:43Caleb Hammer?

  It's not necessarily a good thing, though. You have available credit of $5 because she owes $982.57, but there's some charges coming up, of course. Auto pay is likely now 50 bucks. Used to be 20. Used to be 25. Credit score 627. What is wrong with you?

• 57:59Speaker 02

  I never set up auto pay. I just pay it whenever I get paid.

• 58:01Caleb Hammer?

  Yeah, it's not. Pays off.

• 58:03Speaker 02

  Yeah, I'm paying the next paycheck, too. I'm putting more money on it.

• 58:06Caleb Hammer?

  Until you get fired for not doing your job. Can't do my job. I have empathy. Starbucks, Subway, Stop and Get Some Bullshit, Rue 21, Stop and Get Some Bullshit, Bath and Body Works, Miso Southern Park, Boardwalk, Chick-fil-A, Barnes & Noble. This is all within the past couple of days, dude. Hair Loft Groove, Nancy Hair Loft Groove.

• 58:27Speaker 02

  That's my nails. But the card was actually going to be maxed out, so I only paid for like...

• 58:31Caleb Hammer?

  Are they real or fake?

• 58:32Speaker 02

  Um, they're Gel Builder.

• 58:35Caleb Hammer?

  Michael Store, When I Got Some Bullshit, When I Got Some Bullshit, Sheets Commerce.

• 58:42Caleb Hammer?

  When I Got Some Bullshit, Amazon, Menso. It's insane.

• 58:46Speaker 02

  Menso is where I get my potatoes.

• 58:48Caleb Hammer?

  What are you... Oh, those?

• 58:50Speaker 02

  Yeah.

• 58:51Caleb Hammer?

  Oh, I hate you. When I Got Some Bullshit, When I Got Some Bullshit, When I Got Some Bullshit, When I Got Some Bullshit, Taco Bell. That was all in one day, by the way, everything I just read. Uh, the purple shirt, bullshit, bullshit, bullshit, Subway, Dunkin', bullshit. Now, When I Got Some Bullshit, what do you stop in the gas station for $5? What do you get?

• 59:09Speaker 02

  Um, my Red Bull.

• 59:10Caleb Hammer?

  Oh, fuck you. Okay.

• 59:13Caleb Hammer?

  Because you're a fan of the show, but Gamer Subs is the way to go now. You make your energy drinks at home, just like you make your coffee at home. No more Starbucks, no more energy drinks. I guarantee it tastes better. That's a guarantee. We blind taste tested it ourselves.

• 59:26Speaker 02

  Insert the clip that always...

• 59:27Caleb Hammer?

  My flavors coming out very soon. If it's not out by the time of this episode, so get ready. What?

• 59:31Speaker 02

  The bit, whenever, the video that comes up.

• 59:34Caleb Hammer?

  Okay, parasocial. Okay, parasocial.

• 59:36Speaker 02

  It's like burned into my head.

• 59:40Caleb Hammer?

  Get your free samples, figure out the flavor you like. Link in the description below. Type in code Caleb and you get the free samples. Then get the flavor you like at 10% off, which makes it 40 cents a serving with my link in the description below. Make your energy drinks at home, friends. Buddy, you have so many transactions in here that I can only see two weeks worth and it won't load past that. That's how much bullshit you swipe on this card that you can't pay off. That just doubled in balance. That is accruing interest.

• 1:00:02Speaker 02

  A lot of that is also money I've used for clients and they owe me money.

• 1:00:05Caleb Hammer?

  What do you mean? This is all Starbucks and bullshit.

• 1:00:07Speaker 02

  Oh, no, the Chick-fil-A that I had to pay for me and a client.

• 1:00:10Caleb Hammer?

  Okay, well, you and the client, meaning also you.

• 1:00:13Speaker 02

  Yeah, so she only pays me back like her part.

• 1:00:15Caleb Hammer?

  Yeah, but you're still getting it for you!

• 1:00:19Caleb Hammer?

  Interest charging, bullshit, and the month that we have is same bullshit, going bullshit, bookstore bullshit. Is that a 35.99% interest rate of death?

• 1:00:29Speaker 02

  Yeah, that was my most recent card I've opened.

• 1:00:31Caleb Hammer?

  Oh, insanity death. What is wrong with you? What the is wrong with you?

• 1:00:36Speaker 02

  I need another card. I wanted to stop using my, my Amazon card for everything, so I opened this one.

• 1:00:41Caleb Hammer?

  Open your phone, give it to me.

• 1:00:43Speaker 02

  Oh, okay. What are we doing?

• 1:00:45Caleb Hammer?

  What do you need to know?

• 1:00:51Caleb Hammer?

  Okay.

• 1:00:52Speaker 02

  Okay.

• 1:00:54Caleb Hammer?

  We have an Amazon Chase card. What's going on here? I bet I'm gonna have to look at that Amazon. Oh, on your little Christian, you just got a message.

• 1:01:04Speaker 02

  Oh.

• 1:01:06Caleb Hammer?

  Are you trying to settle down?

• 1:01:08Speaker 02

  Yeah.

• 1:01:10Speaker 02

  I've been trying.

• 1:01:12Caleb Hammer?

  No, you're not. Girl, if the person you're with tries to make a move on you, you're gonna claim you got... $4,896.19 is owed on here. Minimum...

• 1:01:24Caleb Hammer?

  Minimum monthly payment, $222.81.

• 1:01:29Speaker 02

  I actually overpay on my card, so for that one, I pay like 300, whatever that's due.

• 1:01:33Caleb Hammer?

  I have his Google number. That's probably why it's not going through right away. Also, yes, you overpay, but it doesn't, it doesn't matter anyway because with the interest and purchases you accrue, it's more than your overpay regardless. So fuck you. It's at the limit. You're, no, it's over the limit. It's over the limit by $96. Shut the up, overpay. Overpay doesn't matter if you still spend on it. If you spend the out of it. Does he know you're coming on financial audit? Did you say why you're in town?

• 1:01:57Speaker 02

  Yeah.

• 1:01:58Caleb Hammer?

  Does he know financial audit?

• 1:01:59Speaker 02

  No.

• 1:02:00Caleb Hammer?

  Oh, he will.

• 1:02:01Speaker 02

  Oh, yes.

• 1:02:03Caleb Hammer?

  17 years to pay off if you don't even purchase and you only do minimums and I... Amazon, Amazon, Amazon, Amazon. Okay, open it. We gotta look at your Amazon. Wah! This year so far, you've already lost like $500 in interest, dude. That's insane.

• 1:02:16Speaker 02

  Amazon, I did...

• 1:02:17Caleb Hammer?

  Your income scales crazy.

• 1:02:18Speaker 02

  Amazon, I've not been using that card because it's maxed out, so... Gotta look at my orders. Okay, ignore the first thing that's arriving Sunday. My mom sent me money to get my dad something.

• 1:02:28Caleb Hammer?

  I just got a text that we're being, our trust base is currently being raided while I'm forced to just sit here and talk to a whore. I could be defending the base, but I have to talk to a whore.

• 1:02:41Caleb Hammer?

  What a shame.

• 1:02:45Caleb Hammer?

  I have a base that is getting raided, lady. Do you understand?

• 1:02:48Speaker 02

  I don't know what that means.

• 1:02:50Caleb Hammer?

  Imagine like a dick forcefully going inside. That's what's happening.

• 1:02:53Speaker 02

  Wait, is it League of Legends? Is it that game?

• 1:02:59Speaker 02

  I used to play that game. There's a funny picture of one of my old friends took me in.

• 1:03:02Caleb Hammer?

  Okay, calm down. I don't need your lore.

• 1:03:06Caleb Hammer?

  Okay, I think it's like hair dye, the bone case here that looks like shit. Um, color, ink, that's fine. Stackable storage didn't need it to survive. Sticky nose? No.

• 1:03:15Speaker 02

  Actually, I got a $150...

• 1:03:17Caleb Hammer?

  Where's your scars?

• 1:03:18Speaker 02

  I have acne scars. I got a $175 gift card for Amazon because I almost did a debt consolidation.

• 1:03:24Caleb Hammer?

  One in the middle, but they're not that bad besides that.

• 1:03:26Speaker 02

  I went, I was gonna do a debt consolidation, then I was like, my mom was like, actually, you can probably pay that yourself. So they said if you do like, if you do this online survey... You'll get like...

• 1:03:38Caleb Hammer?

  Energy drinks.

• 1:03:39Speaker 02

  A $25 gift card. And then they were like, oh, if you go on this phone call for like an hour, you get a $150 Amazon gift card.

• 1:03:46Caleb Hammer?

  It's all bullshit and you shouldn't consolidate. It doesn't make any sense. Not because you can pay it off, but because people like you who consolidate, you're gonna get double the debt in the end because you wouldn't have changed your behavior that got you there in the first place. We have great, incredible personal loans on CalebHammer.com that I personally use when I need one. So does everyone.

• 1:04:05Speaker 02

  I thought you'd be proud of the hair dye, though.

• 1:04:08Caleb Hammer?

  Fuck you. That's for people that can actually manage it. You're not. If you don't change your behavior, you're gonna end up in both places. I love good debt. You're not someone who can use good debt.

• 1:04:16Speaker 02

  Oh, this is the card my mom's paying.

• 1:04:18Caleb Hammer?

  Shut the up. Why would your mom be paying a card for you?

• 1:04:21Speaker 02

  Because it was my one get out of jail free card.

• 1:04:23Caleb Hammer?

  So she's paying it off from $2,787?

• 1:04:25Speaker 02

  Yeah, she just pays the minimum payment every month.

• 1:04:27Caleb Hammer?

  So interest is gonna be accruing forever for...

• 1:04:30Speaker 02

  And when I, when I do use it, I pay off.

• 1:04:32Caleb Hammer?

  So she's gonna be paying this for 11 years because that's how long it's gonna take?

• 1:04:35Speaker 02

  Oh, I thought it was gonna be a few years.

• 1:04:36Caleb Hammer?

  What is wrong with you? What is wrong with you?

• 1:04:40Speaker 02

  I genuinely thought it was only gonna take like a few years when she first told me. It's already been a few years since she...

• 1:04:44Caleb Hammer?

  $2,787.2, $80 minimum payment, and she's paying it.

• 1:04:50Speaker 02

  Yeah, she put in her own income too, so my credit score would look better too, so...

• 1:04:55Caleb Hammer?

  Yeah, your incredible credit score, 444.

• 1:04:57Speaker 02

  I'm working on it.

• 1:04:59Caleb Hammer?

  Listen, I mean, I don't know. We do need to get you, do you wanna stay there? Is it a small town?

• 1:05:06Speaker 02

  I don't wanna stay there. I'm trying to move like into a suburb outside of Pittsburgh and work in Pittsburgh.

• 1:05:11Caleb Hammer?

  Oh, Pittsburgh's okay. I mean, it's not the best economic miracle of the city, but it definitely had a little bit of the empty and out of the rust belt. It's like the easternmost rust belt, but listen, we'll get you a course credit certification. A lot of people in the audience have used them to get six-figure jobs, raises up to six figures. I'll get you one of those to hell.

• 1:05:29Speaker 02

  Relate to me, I currently...

• 1:05:31Caleb Hammer?

  Is it what you want to do? Because you can get a county, you can get a project manager, you can get into tech.

• 1:05:36Speaker 02

  Well, right now I'm finishing my psych degree and then I'm going to a nursing school.

• 1:05:40Caleb Hammer?

  Okay, yeah, nursing. Okay, yeah. No, might not have one for you, but if you ever try to do anything, we'll do that. And it can just add to your resume in general, right?

• 1:05:48Speaker 02

  Yeah.

• 1:05:48Caleb Hammer?

  So interest is accruing like crazy. At least no fees or anything.

• 1:05:52Speaker 02

  Yeah, I don't have any fees on any of mine. I always pay them.

• 1:05:55Caleb Hammer?

  What concerns me is the entire plan that you were talking about in the pre-interview is how you, you wanna pay off your credit cards. Okay. That part's not a concern, but so that you can still use them. You're not a credit card person. Look what you've done. You're using... Girl, do you not recognize that on the first card, the Avant, the Avant card, that you literally got a credit limit increase just the other day before coming on financial audit and you already doubled your balance up to that limit? How can you tell us in the pre-interview that you wanna pay off the card so you can be a credit card person and just use them? You're clearly not that kind of person.

• 1:06:26Speaker 02

  I did pay off like 200 and then I spent it again while I was down there.

• 1:06:29Caleb Hammer?

  Yes, exactly. That's the point. That's what I'm saying, dummy. Come on. That's what I'm saying. Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com. We have three new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now, because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show.

• 1:07:13Caleb Hammer?

  This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com where the Caleb Hammer Financial Resources part of the pinned comment or description below. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better.

• 1:07:56Caleb Hammer?

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

• 1:08:01Speaker 04

  The number one ranked energy drink is gamer subs.

• 1:08:05Speaker 05

  Literally, the cherry flavor is insane.

• 1:08:08Caleb 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. So how the is that a possible plan? Look at your behavior. This is a mess. Not gonna be able to sustain yourself. Also being told like you, okay, yes, you want to move out. You told me you wanted to go to Pittsburgh, but you're 22 and you refuse to even have a roommate. Don't have an income that's good enough. You have insane minimum monthly payments and you spend more than you make and you won't get a roommate? Where's your entitled? You're so entitled.

• 1:08:37Speaker 02

  My roommate's my cat and she can't work.

• 1:08:39Caleb Hammer?

  You're not willing to get a human roommate. Do you not understand?

• 1:08:42Speaker 02

  I don't do well with roommates and the only person I would want to be my roommate also does not like roommates. So.

• 1:08:47Caleb Hammer?

  Okay, then maybe you guys would be good for each other, actually, because you would just treat it with respect.

• 1:08:51Speaker 02

  Yeah, that's what I was thinking. I'm trying to convince her.

• 1:08:53Caleb Hammer?

  Tell me.

• 1:08:54Speaker 02

  It's just, I don't know, just I like my own space. And if I have a roommate, I don't feel like the shared space is like part of my space.

• 1:09:01Caleb Hammer?

  Well, you just have to be respectful. If both parties are respectful, it absolutely is.

• 1:09:05Speaker 02

  Well, actually with the Chase card also, they did, the credit limit used to be 2,400. And then while I was in Florida, visiting family in March, it doubled.

• 1:09:14Caleb Hammer?

  Great. I'm asking about how you're gonna need to save money, but you're so entitled to think you need to live in your own place. Your own place, that's, that's gonna immediately, immediately eat like 40% of your income in a minimum.

• 1:09:25Speaker 02

  I have a plan.

• 1:09:26Caleb Hammer?

  What's your plan then? Let's hear your grand plan. I want your grand plan.

• 1:09:29Speaker 02

  Plan. I'm going to finish school and then I'm gonna.

• 1:09:33Caleb Hammer?

  Which takes how long?

• 1:09:34Speaker 02

  I have one more year of undergrad and then the nursing program. My mom said it takes like a fall, spring, summer, and then fall. So it's like four terms.

• 1:09:40Caleb Hammer?

  Usually people's undergrad is nursing though. Why are you doing that as like a grad?

• 1:09:44Speaker 02

  Because I just decided now I wanted to do nursing.

• 1:09:46Caleb Hammer?

  Then just go into it now. Stop your, just transfer credits and start that, pursue it now if that's what you're gonna do. The psychology degree, it does nothing anyway.

• 1:09:54Speaker 02

  A lot of the nursing programs are like second degree in nursing, so they know they already have a program.

• 1:09:58Caleb Hammer?

  Go into nursing now. Transfer what you can and take, catch up. Why take this extra year of time and student costs and bullshit?

• 1:10:06Speaker 02

  Because I also think it would be helpful with what I want to do with nursing. I kind of want to be like psychiatric nursing.

• 1:10:11Caleb Hammer?

  You learn shit on your own time. Take extra classes and bonus later, but you are literally wasting time right now.

• 1:10:16Speaker 02

  Well, anyway, the plan was I was gonna do that and then.

• 1:10:21Caleb Hammer?

  It's opportunity cost. Dude, you're just dismiss what I say and you say anyway. No, go into nursing now. Why waste this time?

• 1:10:28Speaker 02

  I have to talk to my mother about that then.

• 1:10:29Caleb Hammer?

  Why does she matter?

• 1:10:31Speaker 02

  Because her opinion matters to me. She's very important in my life.

• 1:10:34Caleb Hammer?

  Okay, get an opinion, but it shouldn't dictate your entire life. Look where you are. If you followed, if this is what her opinion has gotten you, then it's not working.

• 1:10:42Speaker 02

  Well, I guess her getting me out of jail with the Discover card, kind of just like.

• 1:10:46Caleb Hammer?

  Not actually out of jail.

• 1:10:47Speaker 02

  Well, she kind of got me out of jail.

• 1:10:49Caleb Hammer?

  Jail?

• 1:10:49Speaker 02

  No, she got me out of like, my get out of jail free card was her paying that card off and I didn't learn my lesson.

• 1:10:54Caleb Hammer?

  She's just doing the minimum monthly payment. You're spending on all the other cards.

• 1:10:58Speaker 02

  And I was spending on this one because all my other cards are maxed out. So.

• 1:11:01Caleb Hammer?

  Dude, you had debts, you went to Disney, they maxed out at the debt. You're thinking of applying to consolidation or you did already.

• 1:11:08Speaker 02

  I did and then I decided not to.

• 1:11:10Caleb Hammer?

  Like what the doing? So, okay. Yeah, sorry. What's your plan?

• 1:11:13Speaker 02

  Plan is, okay, so I finished school. I will think about doing, just go straight to nursing, right? But I do have my schedule for the fall set already. And then the plan was after that, I was gonna live at home for like, because the program looking at, they want you to work for them for a few years. So that's a guaranteed job for at least three years. And I was hoping by like one and a half years in that, I would have saved up enough to move out. And by that time, like six months before I move out, I want to like buy like furniture and stuff. So it's not like all at once.

• 1:11:42Caleb Hammer?

  Okay.

• 1:11:43Speaker 02

  So it's not like giant expensive, like, oh, I need all this furniture.

• 1:11:45Caleb Hammer?

  What's the cost of your housing will be related to your income? That's my concern.

• 1:11:50Speaker 02

  The place I wanted to, I was looking at for, it's like, it was like 2,000 a month with utilities.

• 1:11:56Caleb Hammer?

  Make 3,200.

• 1:11:57Speaker 02

  Yeah, and I'm, I don't know.

• 1:11:59Caleb Hammer?

  But she won't get her, see?

• 1:12:00Speaker 02

  New job will be more.

• 1:12:01Caleb Hammer?

  So entitled. Yeah, but how much? You're still gonna start on the bottom wrong. Okay, with this card, this Victoria's Secret card, you purchased immediately what you put towards it. And with the interest, it actually pushed it basically above. And it's to purchase at Victoria's Secret because you want to look like a slut for your Christian dating app, I guess.

• 1:12:16Speaker 02

  Oh, that's, I like their clothing too.

• 1:12:18Caleb Hammer?

  Yeah, that's fine. Thirty, thirty dollars is the minimum payment.

• 1:12:22Speaker 02

  And I pay like 50 to 100 towards it.

• 1:12:23Caleb Hammer?

  Pay this, no, you don't. You put, yes, you paid 50 towards it, but then you purchased 43 and then interest hit. You don't understand that.

• 1:12:31Speaker 02

  Well, usually the store cards I don't tax as much.

• 1:12:34Caleb Hammer?

  Extra towards it, it doesn't make a difference if you still spend on it and then interest accrues. How do you not understand that? How do you not understand that that destroys the entire situation?

• 1:12:47Speaker 02

  Why try not to use those ones? The store cards I don't use that much.

• 1:12:50Caleb Hammer?

  Yeah, you did. So what are you trying to?

• 1:12:52Speaker 02

  Because I can't use those ones anywhere else.

• 1:12:53Caleb Hammer?

  You can't tell me, you can't tell me you try not to, and then in the statement I have, you do. And it just ruins it. The interest rate's literally 36%. You know how insane that is for a credit card? Bad credit cards. Credit one's at like 28%. 36% is crazy. Why even allow yourself to, you're telling me you want to be a person who pays off your credit cards and then use credit cards? But you allow yourself to put two of these cards, spend money on two of these cards that have 36% interest rate credit cards? Really the worst I've ever seen for credit cards, ever, ever, ever, ever, ever. I don't see worse than that for credit cards on the show. It's payday loans, yes, but I've never seen worse than that for credit cards.

• 1:13:29Speaker 02

  I didn't know what a good interest rate was.

• 1:13:31Caleb Hammer?

  If you are the person who says you don't know that, how can you be the person that uses credit cards? You're literally saying you want to be the one who uses credit cards. You didn't even know. You wouldn't even look at that.

• 1:13:40Speaker 02

  I thought it was a smart decision because I shop there so much and you get more rewards back.

• 1:13:44Caleb Hammer?

  All rewards are losing 36%. You literally, in the entire pre-interview, were blaming credit cards for increasing the limit instead of your behavior of spending up to the limit.

• 1:13:55Speaker 02

  I'm just an impulse person.

• 1:13:58Caleb Hammer?

  Exactly. So why should you have access to credit cards after you pay them off?

• 1:14:01Speaker 02

  I feel like once I'm smarter with it, I can like, at least the store ones, I can like just use it for the store and then pay it off immediately once it hits.

• 1:14:08Caleb Hammer?

  But you don't. That's the thing. You don't. Interest is accruing. You're saying all these things that you could do, but you don't. So what's the point if you don't, but you might?

• 1:14:17Speaker 02

  But I gotta pay them all off first and then I can do that.

• 1:14:19Caleb Hammer?

  Okay, but you, hey, there's only one card that's making progress and it's the one that you're not spending on because your mom won't let you, that she is putting the minimum towards. The rest are just going up. You're actually sincere. Your debt has only gone up? Like what the are we talking about? How can you even say that to me? At this table, at the financial lot of table, how can you say that to me?

• 1:14:38Speaker 02

  Well, it's just been my last few paychecks have been a little, like I haven't gone up to like my average hours.

• 1:14:42Caleb Hammer?

  You actually have spent more on the card that your mom is paying off. So what the?

• 1:14:45Speaker 02

  Yeah, I've been spending it for the trip, but I've been paying it off.

• 1:14:48Caleb Hammer?

  Show me.

• 1:14:50Speaker 02

  Oh wait, my phone's hiding.

• 1:14:53Caleb Hammer?

  Google number this guy.

• 1:14:55Speaker 02

  It's not loading. Come here. I don't know what the Discover app's doing, but it's so hard to log in. I'm working on it.

• 1:15:01Caleb Hammer?

  Pull it up.

• 1:15:02Speaker 02

  I'm trying to do my face ID and it just keeps going to this screen. There it is.

• 1:15:06Caleb Hammer?

  Put on less makeup next time.

• 1:15:09Caleb Hammer?

  Uber, makes sense where you're here. The market?

• 1:15:13Speaker 02

  Oh, yes. I had to get my vinyl I've been hunting for. I broke my nail to find a vinyl.

• 1:15:18Caleb Hammer?

  No, it's not just spending here. You literally added a thousand dollars to it.

• 1:15:22Speaker 02

  Well, like half of that's for the trip.

• 1:15:24Caleb Hammer?

  Half? Half?

• 1:15:26Speaker 02

  Yeah.

• 1:15:27Caleb Hammer?

  Get out of jail free card. She's just, she, okay, I'm gonna try to get on the phone with your in the post show, but we also need to get a phone on with your mom. Because this enablement's crazy and she doesn't even realize she's gonna be paying this forever. Because it's not gonna take that 11 years or whatever I said. Now it's gonna be double. This is crazy. Now it's Uber and with the market bullshit, Uber and that's fine. Numero 28, $44.38.

• 1:15:51Speaker 02

  Oh yeah, my expensive dinner last night. I didn't realize it would be that expensive.

• 1:15:55Caleb Hammer?

  You can look at the prices.

• 1:15:58Speaker 02

  I didn't realize them adding up would be expensive.

• 1:16:00Caleb Hammer?

  She, she's incapable of anything. No accountability this.

• 1:16:03Speaker 02

  I didn't know where to eat. That place looked good.

• 1:16:05Caleb Hammer?

  Go anywhere, but you know it's gonna cost money, especially if it's like in the downtown area. Market, market, market. This is just, ah, earmark, yeah, yeah. Going against some bullshit, some Wendy's.

• 1:16:18Caleb Hammer?

  This is crazy. You're crazy.

• 1:16:22Speaker 02

  I did just pay like half of what I had spent before on it.

• 1:16:25Caleb Hammer?

  Yeah, we might have to message him on Tinder actually, since I want to make sure we have a good time. Pull up his Tinder chat.

• 1:16:34Speaker 02

  I would need my phone to do that, Caleb.

• 1:16:35Caleb Hammer?

  That's why I gave it to you. Are you stupid?

• 1:16:37Speaker 02

  You're just sitting there with it for a second. I'm like, what are you doing?

• 1:16:49Caleb Hammer?

  Dude, the small screen is crazy.

• 1:16:51Speaker 02

  Oh yeah, I'm trying to get the new phone. I'm paying off next month my mom the rest of what I owe on that phone and I'm getting a new one.

• 1:16:57Caleb Hammer?

  Immediately into debt for a new phone.

• 1:16:59Speaker 02

  She was fine with that as long as I paid for the rest of that one.

• 1:17:03Caleb Hammer?

  Look at you. You're trying to get cracked on here. This is wild, this shit. Okay. Yeah, the 36% interest is crazy. You literally just, uh, so when you got access to more money, you went and got a shitty Coach purse for $600. This is insane. This is frivolous. It's not even anything good. You didn't even get a good brand.

• 1:17:27Speaker 02

  And the funny thing with that is currently when I'm at home, I use a thrifted purse instead of that one.

• 1:17:33Caleb Hammer?

  Yeah, it's Coach. I wouldn't be seen with, outside with it either.

• 1:17:36Speaker 02

  Coach is nice. Coach is nice. I like Coach.

• 1:17:38Caleb Hammer?

  Nah, it's fine.

• 1:17:39Speaker 02

  It's really popular.

• 1:17:40Caleb Hammer?

  I've just learned about.

• 1:17:43Speaker 02

  I live in a poorer area.

• 1:17:44Caleb Hammer?

  There you go. I just, I've learned about bags recently and now then I have to, uh, you know, get gifts and. Coach is just, it's shit. It's not made well. There's just so many issues. Every time I view one, I'm like going through it and there's like stitching issues. It's all crap and they got re, I mean, they got, they got outlet stores.

• 1:18:02Speaker 02

  Oh yeah, there's not a store near me. There's not a mall near me.

• 1:18:06Caleb Hammer?

  I don't trust a luxury brand that has an outlet store.

• 1:18:12Caleb Hammer?

  How do they get like a Macy's bag? Cause at least you know they're living up to the quality of what it is. Coach tries to pretend they're nice and then you spend a pretty penny for shit.

• 1:18:20Caleb Hammer?

  We'll find you a nice man who will get you a nice bag.

• 1:18:23Speaker 02

  I have a nice bag. I got it thrifting.

• 1:18:24Caleb Hammer?

  Unfortunately, you'll be giving a maid's. Synchrony.

• 1:18:28Speaker 02

  Yes.

• 1:18:28Caleb Hammer?

  What's going on with this?

• 1:18:29Speaker 02

  My American Eagle card. I used to work there for two years and.

• 1:18:32Caleb Hammer?

  Oh, so you went and did that for that?

• 1:18:34Speaker 02

  No, no, no. I, I, um, I just opened the card recently because I was like, oh yeah, I've heard such good things about it.

• 1:18:40Caleb Hammer?

  City outlets. Yeah, you went to the outlet store.

• 1:18:42Speaker 02

  Yeah, it's not an actual outlet store. That's where I used to work at, at that store.

• 1:18:48Caleb Hammer?

  Okay, $409.55, minimum monthly payments of.

• 1:18:54Speaker 02

  I think it's like 30.

• 1:18:55Caleb Hammer?

  30.

• 1:18:56Speaker 02

  Yeah.

• 1:18:57Caleb Hammer?

  Okay. Yeah, just hoping you immediately did it. Oh, you got fired from American Outlets.

• 1:19:02Speaker 02

  Oh yes, because of my sleep issue.

• 1:19:04Caleb Hammer?

  Oh, is that legal?

• 1:19:05Speaker 02

  Well, it was like.

• 1:19:06Caleb Hammer?

  If it's officially diagnosed, the narcolepsy, right?

• 1:19:08Speaker 02

  Situation. I had pointed out and they had changed, I came in for my schedule shift on Mother's Day and they had freaking changed my schedule last minute.

• 1:19:16Caleb Hammer?

  Oh, so it wasn't for your sleeping issues?

• 1:19:17Speaker 02

  Yeah, but I slept again. And so then I was late again. So then there, she was like, oh, you're fired anyway because of your point issue. Cause I brought in my two weeks. Cause I'm like, I'm not dealing with this anymore. You guys changed my schedule last minute on Mother's Day.

• 1:19:28Caleb Hammer?

  See, this is insane. You're, you're thinking, you're going to Orlando again, Orlando Studios in October. Do you, you're never going to pay these off. Do you not understand this? Do you not understand the consequences of your behavior that you are doing?

• 1:19:39Speaker 02

  Whenever I go to Florida, I see family, so I stay with them. So.

• 1:19:43Caleb Hammer?

  So you're going to Orlando Studios, not family?

• 1:19:46Speaker 02

  Oh, I do want to go to Orlando Studios at some point.

• 1:19:48Caleb Hammer?

  Do you not understand what I'm saying? I swear, you hear my criticism and you go a completely different direction instead of addressing what I say.

• 1:19:55Caleb Hammer?

  You're never gonna get out of debt if you keep doing this.

• 1:19:58Speaker 02

  Well, that's why whenever I only want to go visit family. I don't want to go to like Orlando Studios.

• 1:20:02Caleb Hammer?

  Dude, literally you talked about going to Orlando Studios in October for your next trip.

• 1:20:06Speaker 02

  Oh, not with my sister. I wanted to just go with me and my cousin.

• 1:20:09Caleb Hammer?

  So how does that?

• 1:20:10Speaker 02

  My sister's coming with us.

• 1:20:11Caleb Hammer?

  How does that change you spending the money and never getting out of debt? You will never make a sacrifice because you have no accountability. You'll always want to pay off debt, but you never will. Cause you'll never sacrifice anything to actually do it. You'll never join us on the other side of the hill of prosperity, of paying off debt.

• 1:20:28Speaker 02

  I'm just slowly getting up the hill.

• 1:20:30Caleb Hammer?

  No, you're just slow.

• 1:20:32Speaker 02

  I'm slowly getting up the hill.

• 1:20:33Caleb Hammer?

  You're not getting up the hill. You've gotten in worse debt than the statements you sent in.

• 1:20:37Speaker 02

  I'm working on that hill.

• 1:20:39Caleb Hammer?

  Okay, you're rolling down it dude. Uncontrolled.

• 1:20:42Speaker 02

  A little bit, but it's just a point of perseverance.

• 1:20:43Caleb Hammer?

  Where's the going up? They're all maxed out, basically. Except for that small little stupid card. Besides that, all the major ones are maxed out and you're relying on your mommy. Mommy. You even told Lindsay that these statements were you being good.

• 1:20:59Speaker 02

  Yeah, it wasn't like the best month, but I was actually being pretty good.

• 1:21:01Caleb Hammer?

  Pathetic. And here's your checking account. $303, I guess to your internet provider? Internet Exer to Freestyle. Freestyle?

• 1:21:10Speaker 02

  Oh, okay. That was for something we're talking about in the post show, but that was money I had gotten to put into my scholarship for my sister. So I transferred that to that account. And the reason I didn't send it in that account is because it was just the scholarship money.

• 1:21:23Caleb Hammer?

  Fabletics?

• 1:21:26Caleb Hammer?

  Yeah, okay.

• 1:21:26Speaker 02

  They have longs. They have longs in their sweatpants. I need the longs.

• 1:21:30Caleb Hammer?

  Okay, calm down. Hairloft 80 bucks, Hairloft 70 bucks, PayPal out $514.

• 1:21:37Speaker 02

  Oh, that was money I owed my mom.

• 1:21:38Caleb Hammer?

  Oh my goodness.

• 1:21:39Speaker 02

  Because she paid.

• 1:21:40Caleb Hammer?

  You're never gonna get out of debt.

• 1:21:41Speaker 02

  Cause my school was like.

• 1:21:41Caleb Hammer?

  All that you owe money and a lot more and that all that, and then yet you still go and get coffee. You still do $40 at Amazons. You go to Villa Fresh, $6.57. Playthings. Let's playthings.

• 1:21:54Speaker 02

  Oh, it's like a toy store near me. It's cool. It's like in a rocket ship.

• 1:21:58Caleb Hammer?

  Like what kind of toy?

• 1:22:01Speaker 02

  No, no, it's like, like I went with my sister and we got like squishies and stuff.

• 1:22:06Caleb Hammer?

  Okay. Well, you spent $21.16 there. Dunkin', Applebill. Bullshit. Bullshit. You went and got some energy drinks.

• 1:22:17Speaker 02

  I actually did a smart decision.

• 1:22:20Caleb Hammer?

  Care?

• 1:22:20Speaker 02

  Oh yeah, that was whenever I was looking for a job.

• 1:22:22Caleb Hammer?

  Wait, don't you have a car debt?

• 1:22:24Speaker 02

  Yeah.

• 1:22:26Caleb Hammer?

  Okay. Well, I should probably see that before I go into your checking account. Pull it up.

• 1:22:29Speaker 02

  Here. Well, the thing is I only.

• 1:22:31Caleb Hammer?

  More Fabletics because you're an addict. You went inside Dunkin' Donuts, you went inside, got some bullshit, went inside, got some bullshit, Dunkin' Donuts, went inside, got some bullshit. There's more to this checking account, but let me see the car loan first.

• 1:22:40Speaker 02

  That's just.

• 1:22:41Caleb Hammer?

  What's your car?

• 1:22:42Speaker 02

  It's a 2021 Chevrolet Spark. I don't know if the pictures are, but she's texted what the loan was and like the interest, but I only pay 150 a month.

• 1:22:50Caleb Hammer?

  What's the loan balance now?

• 1:22:52Speaker 02

  Like 9,000. It's in the first picture she sent.

• 1:22:54Caleb Hammer?

  What do you think it's worth?

• 1:22:55Speaker 02

  I think probably around 9,000. It's a 2021 Chevrolet Spark.

• 1:22:59Caleb Hammer?

  It's worth five.

• 1:23:00Speaker 02

  Oh.

• 1:23:01Caleb Hammer?

  Oh.

• 1:23:01Speaker 02

  I got it for like, yeah, 12.

• 1:23:02Caleb Hammer?

  Interest 15.33.

• 1:23:05Speaker 02

  I don't know. My dad was doing all the paperwork stuff. I just signed where I was, when I was told.

• 1:23:09Caleb Hammer?

  No accountability, no agency, no ability to do anything. You're literally a permanent child forever. Shut the up. You are not a victim to the world. You're only a victim to yourself. $260.81. Do you realize how pathetic all the excuses you're making are where nothing is your choice? So your mom pays this and then you pay her.

• 1:23:28Speaker 02

  I pay her 150, yes.

• 1:23:30Caleb Hammer?

  What? She puts 260 to it.

• 1:23:33Speaker 02

  Yeah, I pay 150 of that.

• 1:23:35Caleb Hammer?

  This is pathetic. You're 22. You should be paying the whole thing. She needs to stop supporting you. This is crazy.

• 1:23:44Speaker 02

  Oh, he's back on his typing nonsense.

• 1:23:46Caleb Hammer?

  I gotta get this guy to call us. I, I've never been away from my phone to not see notifications as long as this guy. Back to the checking account, energy drink, Amazon. Bullshit. Amazon bullshit. Bullshit. Victoria's Secret again. Getting an energy drink, energy drink. Well, that might be gas. Uh, Arby's bullshit. Kohl's. Freestyle again, $900.

• 1:24:10Speaker 02

  Yeah.

• 1:24:12Caleb Hammer?

  Dunkin' Donuts, Spotify, PayPal 763.

• 1:24:15Speaker 02

  Yeah, that was money I owed my mom.

• 1:24:18Caleb Hammer?

  Dunkin', your checking account's insane. You'd be out of debt if you just didn't spend your money. Nails again. Hill, Tav or Tave? Bullshit, bullshit, bullshit. Amazon?

• 1:24:29Speaker 02

  Tave, that, that's the bar I go to.

• 1:24:31Caleb Hammer?

  Oh, great. That you.

• 1:24:33Speaker 02

  I don't go that much.

• 1:24:35Caleb Hammer?

  So you still went, you still spent money that you don't have. Shut the up. 22, Vera Bradley, Coach again, Bath and Body Works.

• 1:24:42Speaker 02

  Oh, that was whenever I went to.

• 1:24:43Caleb Hammer?

  Bullshit, bullshit, energy drinks, Journeys, Alta, and energy drink, Claire's. Something premium. I don't even know. Uh, energy drink, vending machine. Oh, energy drink, energy drink, energy drink. Taco Bell, Dunkin', energy drink, energy drink. Uh, premium, energy drink. Zoltlow.net. Energy drink, energy drink, Amazon, Amazon, Subway, Michael's, bullshit, bullshit. This is actually one of the most insane checking accounts I've seen in a long time.

• 1:25:23Caleb Hammer?

  The freestyle thing again, Wendy's, Applebill, Taco Bell, bullshit, Dunkin' Donuts, bullshit. You spent all your money on bullshit. Like this is crazy. Yeah, yeah. No, no, you literally spent approximately 5,000 dollars on bullshit when you make 3,200. How the? No shit, you're going so far into debt and making it worse every month. You deserve nothing. Your mom needs to abandon you. So you fall and pick yourself back up and learn something for the first time in your life.

• 1:25:56Caleb Hammer?

  This is insane.

• 1:25:57Speaker 02

  Oh, my lovely tiny savings account.

• 1:26:00Caleb Hammer?

  Oh wait, there's student loans too.

• 1:26:01Speaker 02

  Oh yeah.

• 1:26:02Caleb Hammer?

  How much?

• 1:26:02Speaker 02

  I don't know. Actually, we're gonna call my mom on the post show and see how much it's total. Cause some are parent plus loans in her name.

• 1:26:07Caleb Hammer?

  Oh, well, we'll call her to get that. But for the ones you have, 900, that's it?

• 1:26:13Speaker 02

  Should be multiple of it in there.

• 1:26:15Caleb Hammer?

  No, no, no, you're, sorry. Your student loans is 21,866. You haven't even graduated and you're not even willing to take a fast track to your degree of choice. You're so stupid. I don't get it. 21,886.

• 1:26:31Caleb Hammer?

  What's your minimum?

• 1:26:32Speaker 02

  I don't have a minimum yet.

• 1:26:33Caleb Hammer?

  You're in college, that's fine.

• 1:26:36Caleb Hammer?

  Well, don't be a victim about your student loans once you graduate.

• 1:26:40Speaker 02

  That's why I want to get the credit card debt done by that time.

• 1:26:42Caleb Hammer?

  Being told you have concerts lined up, trips lined up. This thing's your credit score is below 600.

• 1:26:48Speaker 02

  That's the one from my bank. I have a lot of inquiries.

• 1:26:52Caleb Hammer?

  This is insane. This is insane. How much do you owe your mom right now?

• 1:26:57Speaker 02

  I actually just paid off her last thing. The next paycheck, I gave her the 150 for my car payment and then I'm good.

• 1:27:02Caleb Hammer?

  Yeah, until you're done with your car.

• 1:27:05Speaker 02

  Yeah.

• 1:27:06Caleb Hammer?

  No, you owe her some for Olivia Rodrigo, but you don't know how much.

• 1:27:08Speaker 02

  Oh, she did say that. That's fine because it's my sister's, my sister went to the other concerts, so I'm going with her.

• 1:27:13Caleb Hammer?

  You are so spoiled. You are so entitled. You are such a permanent victim to yourself and only yourself. Let's get this budget. You're so pathetic. The minimum to pay is that you owe, uh, to your mom and stuff and not taking into account hers is still, I mean, your income not great of $488.81. What's your rent?

• 1:27:33Speaker 02

  Nothing.

• 1:27:36Caleb Hammer?

  How?

• 1:27:36Speaker 02

  I live with my mom. Or my family, but.

• 1:27:40Caleb Hammer?

  There is no reason you're in debt. Do you have to provide anything for utilities or?

• 1:27:43Speaker 02

  No.

• 1:27:44Caleb Hammer?

  You're disgusting. You disgust me. You disgust me. This is pathetic, actually. This is pathetic. Do you have to contribute to the groceries or do they grocery shop?

• 1:27:55Speaker 02

  They grocery shop.

• 1:27:56Caleb Hammer?

  You are so pathetic. This phone bill, how much?

• 1:27:58Speaker 02

  Nothing.

• 1:28:02Caleb Hammer?

  Okay, gas is reimbursed.

• 1:28:05Speaker 02

  Yeah, but I so I have to pay.

• 1:28:07Caleb Hammer?

  How much extra? Yeah, but it's reimbursed in the end.

• 1:28:09Speaker 02

  Oh, yeah.

• 1:28:10Caleb Hammer?

  So I'm X-ing it out because that's included in your income of thirty two hundred.

• 1:28:13Speaker 02

  So I would say an extra.

• 1:28:14Caleb Hammer?

  Car insurance.

• 1:28:15Speaker 02

  My mom pays that.

• 1:28:18Caleb Hammer?

  Subscriptions, I'll give you fifty bucks. Do you have any pets?

• 1:28:22Speaker 02

  Yes.

• 1:28:22Caleb Hammer?

  Do you have to buy them pet food?

• 1:28:24Speaker 02

  Yeah.

• 1:28:24Caleb Hammer?

  How much?

• 1:28:25Speaker 02

  Um, probably like twenty five a month, I guess.

• 1:28:29Caleb Hammer?

  What is your pet?

• 1:28:30Speaker 02

  A cat.

• 1:28:31Caleb Hammer?

  Okay, I'll get you a fifty dollar pet insurance. TP fund, anything else you know, do they buy you tampons and everything?

• 1:28:36Speaker 02

  I don't get my period with my birth control.

• 1:28:37Caleb Hammer?

  Do they buy you toothpaste and toothbrushes?

• 1:28:39Speaker 02

  No, I pay for those things myself.

• 1:28:40Caleb Hammer?

  Okay, I'll get you a TP fund, hundred fifty dollars. You decide where that goes. It's what you need to survive. But I mean, they they're still taking care of your toll paper.

• 1:28:46Speaker 02

  I might need TP fund a little bit more. Does that include my nails? I need to put my nails in there.

• 1:28:50Caleb Hammer?

  No, you don't. Go fuck yourself, you entitled bitch. Uh, medical healthcare, you got copays on a monthly basis?

• 1:28:55Speaker 02

  Uh, my mom has like a card that pays for them.

• 1:28:57Caleb Hammer?

  Cry, your mom, yeah, okay.

• 1:28:59Speaker 02

  It's like a card through.

• 1:29:00Caleb Hammer?

  Okay, is there anything that needs to be in this budget that I've not put in?

• 1:29:03Speaker 02

  My nails. Well, you didn't put in gas. I have extra gas.

• 1:29:05Caleb Hammer?

  Okay, how much for extra gas? As in the app?

• 1:29:07Speaker 02

  I would say like two, an extra like two hundred. I got places to be.

• 1:29:10Caleb Hammer?

  Yeah, you gotta drive around to get your pussy filled.

• 1:29:15Caleb Hammer?

  Which is actually true.

• 1:29:17Speaker 02

  Not sure right now. I've been doing pretty good.

• 1:29:18Caleb Hammer?

  I think, again, I I'm shaming you, but like, go be hard if you want to be hard. It's actually fine. I don't really care.

• 1:29:26Caleb Hammer?

  Don't let other people run your life. Dude, you literally have an extra two thousand dollars a month. Like, this is so stupid. This is so stupid. Like, your debt is paid off in less than a year. This is so.

• 1:29:39Caleb Hammer?

  This is one of the most pathetic things I've ever seen. It's less than a year, then it emerges to the funny, you'll be perfectly fine. But you'll never do it because you'll always prioritize concerts. You're getting an enabled and you think you're a victim and your entitlement's fucked up. But you can get out of debt like that. You're disgusting. As an individual, you are disgusting. In the post show, I'm gonna keep trying to get, reach out to this guy. But here's the thing. Here's the thing. I'm going to keep trying to get in touch with him no matter what after filming. So in the post show will be my conversation with him, whether or not it's filmed with her or even a week from now. It will be there. So get, join us for the post show for that. But let's get the Hammer Financial Score first. Spending in a budget, you overspend, zero out of ten. Debt, you have a lot of mom debt, so zero out of ten. Merchandise funded, anything, zero out of ten.

• 1:30:23Caleb Hammer?

  Retirement, nothing, okay, everything's zero. Go fuck yourself, zero out of ten. That makes no sense. Whatever score you took, that was stupid. Get yours at calebhammer.com. It's updated, it's better now. It's it it reflects the actual score. Uh, and now come join us for what is definitely gonna be practically the best post show we've ever done, an extra twenty minutes, plus three premium shows every single day, Monday through Saturday. Join Hammer Elite here on YouTube by clicking that join button or link in the description, or you can watch on the Hammer Elite app or hammerelite.com, wherever you prefer. It's the same on both platforms. See you there. I think I'm getting the call.

• 1:30:57Caleb Hammer?

  Hello?

• 1:30:57Speaker 05

  Hello, yes.

• 1:30:59Caleb Hammer?

  So I'm here with who you went with yesterday. But she said that when you guys went back to her hotel, you kept trying to touch her and take her clothes off, and she kept saying no, but you kept pursuing.

• 1:31:12Speaker 05

  I was not trying to do anything. Yeah, I'm just being honest. I left like me to this, she says, oh, can you leave, please?

• 1:31:20Caleb Hammer?

  I just launched the brand new Hammer Elite app, available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. What if you could run your Oracle databases in the cloud you already use? Good news, you can. Oracle AI Database runs in every major cloud, including AWS, Google Cloud, Microsoft Azure, and OCI. Migrate your Oracle databases to the cloud of your choice today, simply, securely, and on your terms.

• 1:32:05Caleb Hammer?

  Find out how at oracle.com/migrate. That's oracle.com/migrate. Oracle.com/migrate.