Wannabe OF Model Made $0.52 Last Month | Financial Audit

*I CALLED HER EX* and I found out he's basically stalking and bombarding him- SHE WON'T LEAVE HIM ALONE. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join Thanks to the sharks for joining! Graham: https://www.youtube.com/@UCV6KDgJskWaEckne5aPA0aQ Brian: https://www.youtube.com/@UC9vUu4vlIlMC0dHQCTvQPbg Andrei: https://www.youtube.com/@UCGy7SkBjcIAgTiwkXEtPnYg Humphrey: https://www.youtube.com/@UCFBpVaKCC0ajGps1vf0AgBg ============================= *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 ============================= 🔥 Get My NEW Gamersupps Flavor, Liquid Assets, *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 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 Get 10% Off your entire order & take advantage of Ridge’s Annual Sweepstakes by going to https://www. Ridge.com/HAMMER #Ridgepod #ad NO PURCHASE NECESSARY. Open only to legal residents of the promotion territory, who have reached the age of majority in their jurisdiction of residence. Void elsewhere & where prohibited by law. Enter by 9:00 a.m. USPT on 8 September 2026. 2 winners, prizes total ARV: up to approx. $539,165 CAD / £284,170. Skill-testing question required in CA. See Official Rules at ridge.com/pages/rules for complete eligibility, entry instructions, how to enter without a purchase, entry limits, prize details, odds, and restrictions. Sponsor: The Ridge Wallet LLC. ============================= *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://calebhammer.com/master-your-debt ============================= *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 01:55 Job & Income 06:30 ofc she's doing p*rn 11:15 aaaaand shes a sugar baby lol 16:05 shes basically a pr*stitute... 23:13 from pr*stitution to real estate LMAAAO 28:06 Financial Audit x Shark Tank 49:15 shes too good for MCDONALDS?? 53:36 eerrrm thats called... fraud. 57:21 aaaand she doesnt pay her taxes 01:03:06 chat, is she a loser and a cheater? 01:16:00 the future is here 01:19:08 THIS HAS NEVER HAPPENED BEFORE 01:26:00 THATS SOOOO MUCH W**D 01:29:47 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *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.

• 0:01Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus.

• 0:26Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Why'd you get into being a

• 0:30Speaker 02

  I'm a little overqualified for some jobs.

• 0:33Caleb Hammer?

  How are you overqualified?

• 0:35Speaker 02

  You know, I was a leasing agent.

• 0:37Caleb Hammer?

  Okay.

• 0:38Speaker 02

  And so I don't want to go work at McDonald's now.

• 0:41Caleb Hammer?

  What?

• 0:41Speaker 02

  I'm too cute to be doing stuff like that.

• 0:43Caleb Hammer?

  Ending balance $1.25. How the are you surviving right now?

• 0:50Speaker 02

  Nice gentleman on the internet.

• 0:52Caleb Hammer?

  You're

• 0:52Speaker 02

  It's just a little, little jumbled up.

• 0:55Caleb Hammer?

  What have you done?

• 0:56Speaker 02

  I just like, you know, get overwhelmed and then like slam my head into walls.

• 0:59Caleb Hammer?

  You slam your heads into walls?

• 1:01Speaker 02

  Yeah.

• 1:01Caleb Hammer?

  You bash your head into walls?

• 1:03Speaker 02

  Yeah.

• 1:05Caleb Hammer?

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• 1:39Caleb Hammer?

  I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com/apply or click that link in the description below.

• 2:00Speaker 02

  Hi, my name is Vanessa. I'm from West Texas and I'm 24. And this is Financial Audit.

• 2:07Caleb Hammer?

  Yes, it is. You work in oil because that is the only thing out in West Texas, I'll be honest. And it's really good money, but it's just like, I mean, if you've seen Landman, and it's pretty much all it is.

• 2:17Speaker 02

  It's just dirt.

• 2:18Caleb Hammer?

  Or you're servicing people that work in oil. What do you do out there for a living? You don't look like you came from the field.

• 2:25Speaker 02

  I do content creation and

• 2:28Caleb Hammer?

  The accent is there.

• 2:29Speaker 02

  And business.

• 2:31Caleb Hammer?

  Okay, content creation.

• 2:32Speaker 02

  Yeah.

• 2:32Caleb Hammer?

  Well, we all see the tits.

• 2:34Speaker 02

  Yep.

• 2:34Caleb Hammer?

  They're large and they are bouncing.

• 2:36Speaker 02

  Yeah, absolutely.

• 2:38Caleb Hammer?

  Should I guess the kind of content creation? Because I actually don't know, but like, unfortunately, it probably only leads to one area. Yes, it does. Okay, yeah, well, there it is. Okay.

• 2:49Speaker 02

  If you got it, flaunt it.

• 2:50Caleb Hammer?

  I mean, no, I mean, don't get me wrong. I mean, I got some tits, but if I had a bigger pair of tits and I was an attractive woman, yeah, I mean, listen, I think it is a little demoralizing. Maybe it's not the best for our culture, but I mean, yeah, it is easy money. Of course, I understand why so many people are drawn to it. What is it like 20% of Gen Z women that are 18 or older have it? Something insane.

• 3:13Speaker 02

  So it's like later in life when your kids are like, oh.

• 3:16Caleb Hammer?

  That accent is crazy.

• 3:17Speaker 02

  What are you?

• 3:19Caleb Hammer?

  Okay, so is that your full time? Well, you said something else, right?

• 3:21Speaker 02

  I do business on the side.

• 3:24Caleb Hammer?

  You do business?

• 3:25Speaker 02

  Yes.

• 3:26Caleb Hammer?

  Ah, I love doing business. I do business too.

• 3:29Speaker 02

  Like, like Facebook Marketplace and stuff.

• 3:34Caleb Hammer?

  Okay, okay, okay. So this content creation, let's talk income there. I'm assuming it is the OF because

• 3:42Speaker 02

  And it's a TikTok, like going live on TikTok.

• 3:45Caleb Hammer?

  Oh, there actually is like content. Okay, outside of it. Wow, okay, something potentially creative. What are you doing on TikTok?

• 3:51Speaker 02

  I'm sewing on TikTok.

• 3:53Caleb Hammer?

  What? That converts to the titty booby?

• 3:56Speaker 02

  You would watch any pretty girl with big titties out.

• 3:59Caleb Hammer?

  No.

• 3:59Speaker 02

  Doing something.

• 4:00Caleb Hammer?

  I actually, I just watch documentaries about current global conflicts.

• 4:04Speaker 02

  You don't, you don't ever just like scroll?

• 4:07Caleb Hammer?

  No, that's when I watch come in five seconds.

• 4:09Speaker 02

  In five seconds?

• 4:10Caleb Hammer?

  Well, you know, I got to get back to the documentaries. Important shit's going on in this world.

• 4:14Speaker 02

  Important shit.

• 4:15Caleb Hammer?

  I don't think everyone's simp enough to just fall into the goon bait constantly.

• 4:19Speaker 02

  Thanks.

• 4:19Caleb Hammer?

  Well, I think enough are for people like you to make money, which is just kind of crazy. But I guess your TikTok people are haters, I'm being told?

• 4:27Speaker 02

  Yes.

• 4:28Caleb Hammer?

  What does that mean?

• 4:29Speaker 02

  I'm just constantly being banned, no matter what.

• 4:32Caleb Hammer?

  Oh, TikTok is haters?

• 4:33Speaker 02

  Yeah.

• 4:34Caleb Hammer?

  Well, maybe, okay, show me your content.

• 4:36Speaker 02

  It's just like

• 4:37Caleb Hammer?

  Show me your content. The TikTok version, by the way.

• 4:43Speaker 02

  It's just thirst traps.

• 4:44Caleb Hammer?

  Well, there you go. That's probably where you're getting banned. It's probably right there on the edge. We'll blur the name because we don't have a lot of plugs, no plugs.

• 4:51Speaker 02

  But no, but no, no, listen.

• 4:52Caleb Hammer?

  But I'll show some of the videos.

• 4:53Speaker 02

  TikTok Live and I'm doing

• 4:55Caleb Hammer?

  Show me, show me like a previous.

• 4:58Speaker 02

  Okay, a previous one.

• 5:01Caleb Hammer?

  Did you like water this or are you sweating?

• 5:04Speaker 02

  No, it's just sparkly.

• 5:06Caleb Hammer?

  Huh?

• 5:07Speaker 02

  It's just sparkly.

• 5:07Caleb Hammer?

  Oh, a sparkle? Yep. Okay, are we surprised? Let's make sure, okay, send this to Lindsay afterwards. She's literally

• 5:18Caleb Hammer?

  So when because I'm a hashtag young hoe.

• 5:21Speaker 02

  Yep.

• 5:21Caleb Hammer?

  Are we surprised you're getting banned?

• 5:24Speaker 02

  Yeah, because I've seen 10 times.

• 5:26Caleb Hammer?

  Okay, 758 followers isn't making a living. You're like the pink haired Twitch streamer that came on and she's like, I'm a social media. It's like this, this isn't making a following.

• 5:35Speaker 02

  That's 700 people within like two months.

• 5:39Caleb Hammer?

  Is that good?

• 5:40Speaker 02

  Yeah.

• 5:40Caleb Hammer?

  I don't necessarily think so. This content's kind of not

• 5:43Speaker 02

  Some of them are just like posts from the lives.

• 5:46Caleb Hammer?

  But it's just like

• 5:52Caleb Hammer?

  What the is unique here?

• 5:54Speaker 02

  Me?

• 5:55Caleb Hammer?

  My goodness, if you have a pair of boobs, literally the effort you have to put into things to make money is practically nothing.

• 6:01Speaker 02

  My, my, my previous account that I had, I had 15,000 on there.

• 6:06Caleb Hammer?

  Okay, well, that is something.

• 6:07Speaker 02

  Was completely banned.

• 6:08Caleb Hammer?

  When was that banned?

• 6:11Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus.

• 6:36Speaker 02

  Say like three months ago.

• 6:38Caleb Hammer?

  Okay, why was it banned? What was the official thing?

• 6:41Speaker 02

  It was a TikTok Live.

• 6:42Caleb Hammer?

  What did you do?

• 6:44Speaker 02

  I was just, just bouncing.

• 6:46Caleb Hammer?

  And how much of this showed?

• 6:48Speaker 02

  A little bit spillage came out, a little bit.

• 6:50Caleb Hammer?

  There was a tit?

• 6:51Speaker 02

  There was a nipple.

• 6:52Caleb Hammer?

  Okay, well, that's bannable. That's fair.

• 6:54Speaker 02

  It was an accident, though. It was an accidental slip.

• 6:57Caleb Hammer?

  When I did my streaming for a couple of months, Sydney, Sydney Sweeney's tits accidentally popped up on my Twitter and I was banned. Oopsie, that happens. That wasn't even my thing. I was just scrolling.

• 7:09Speaker 02

  You just moved past it and then I made another one and we just grow it from there.

• 7:13Caleb Hammer?

  One, it's like 400 followers. Okay, well, how much are we making? I need, I need an income here.

• 7:17Speaker 02

  Um, really, the income is just from random men online. Like randomly, like so on.

• 7:24Caleb Hammer?

  I was asking for a number.

• 7:26Speaker 02

  Um, there is no specific number.

• 7:29Caleb Hammer?

  Okay, let's have it. How long have you been doing it? You're 24. Did you do like the 18 year ago?

• 7:35Speaker 02

  No, so I, I did, I started it like about a year ago. And then I got in with like a whole management company, Abella Danger.

• 7:45Caleb Hammer?

  What were you doing before a year ago? Why'd you get into being a

• 7:50Speaker 02

  I was a housekeeper and I had nothing else to do and I lived and worked on property. So then I was like, I'll just, one of my friends was like

• 7:58Caleb Hammer?

  And what else happened on property?

• 8:00Speaker 02

  Um, a lot of, I was drunk a lot, but

• 8:04Caleb Hammer?

  Huh?

• 8:05Speaker 02

  Yeah, just, just working and drinking, but

• 8:07Caleb Hammer?

  I was assuming the dad that lived there fucked you.

• 8:11Caleb Hammer?

  Okay.

• 8:12Speaker 02

  But I started making content when I worked there and I went ham on it within like the first couple of months.

• 8:17Caleb Hammer?

  No, no, I'm being told you were sleeping with staff in a residence.

• 8:21Speaker 02

  Yeah, that was a different one. That was a different apartment complex.

• 8:24Caleb Hammer?

  Wait, wait, wait.

• 8:26Speaker 02

  I've worked at two apartment complexes.

• 8:27Caleb Hammer?

  Apartment complex. So why did I think you were like in-home staff for like a wealthy person? Why?

• 8:33Caleb Hammer?

  Well, okay, you're just working at an apartment complex.

• 8:35Speaker 02

  Yeah.

• 8:35Caleb Hammer?

  And cleaning? What, what do you mean? Like just

• 8:37Speaker 02

  I was a housekeeper.

• 8:37Caleb Hammer?

  The floors?

• 8:38Speaker 02

  Well, like when people move out.

• 8:40Caleb Hammer?

  Oh, that's enough for a full-time position on?

• 8:43Speaker 02

  Yeah.

• 8:44Caleb Hammer?

  Oh, oh, okay. And you were just

• 8:46Speaker 02

  That's when I And then, yeah.

• 8:48Caleb Hammer?

  How much is this of staff?

• 8:50Speaker 02

  Uh, just one of them.

• 8:52Caleb Hammer?

  Uh, uh, that's not that crazy. And people that work in restaurants, they sleep together. Okay, I'm not freaking out about that. I thought you were like, you were someone's maid.

• 8:59Speaker 02

  No, no.

• 9:00Caleb Hammer?

  Uh, sleeping with the resident?

• 9:02Speaker 02

  No, it was like, it was like a, it was like a company. And so I'm just like the housekeeper for the company.

• 9:07Caleb Hammer?

  The resident just like hit, hit on you when you were there?

• 9:09Speaker 02

  Yeah.

• 9:10Caleb Hammer?

  I mean, I don't really care them. I mean, that's a little different. I thought you were like sleeping with like someone you were personally with. Eh, consenting adults don't really give. But, I don't know. Did that get you in trouble?

• 9:20Speaker 02

  No.

• 9:21Caleb Hammer?

  Okay. So why'd you get into being a whore?

• 9:24Speaker 02

  Because

• 9:25Caleb Hammer?

  Not that you weren't before.

• 9:26Speaker 02

  I wasn't before, actually. Wasn't at all. I was, I did like taught special needs kids for a while. That was like my favorite job, but then I just decided one day, fuck it, I'm just gonna make, just see if I can make money.

• 9:40Caleb Hammer?

  Why?

• 9:41Speaker 02

  Just cuz, why not?

• 9:42Caleb Hammer?

  Okay, but the thing is,

• 9:44Speaker 02

  Cause I was

• 9:44Caleb Hammer?

  If you're not making enough now to make the, to make it for the rest of your life,

• 9:48Speaker 02

  Well, in the moment when I started it, it was just kinda like for shits and giggles money.

• 9:53Caleb Hammer?

  But that can still fuck you for the rest of your life. That digital footprint forever.

• 9:57Speaker 02

  Oh, yeah.

• 9:58Caleb Hammer?

  I'm sure they're online. I'm sure I could find leaks right now.

• 10:01Speaker 02

  Oh, 100%. And it's just, it's there. It's there forever.

• 10:04Caleb Hammer?

  Yeah. And do you think they're gonna want you in the school again?

• 10:07Speaker 02

  No.

• 10:08Caleb Hammer?

  That was your favorite job. Why destroy that? Cause I mean, what, especially

• 10:11Speaker 02

  Cause I wouldn't do it again.

• 10:13Caleb Hammer?

  Especially those things, they're, they're gonna get saggy real quick. I mean, you're not gonna be able to do this for that much longer.

• 10:18Speaker 02

  Yeah, no, and I know that. And that's why

• 10:21Caleb Hammer?

  So you've destroyed your life already. All for what? Not for millions. If you're a Sophie Rain level, making that kinda money, yeah, you'd be surviving for the rest of your life. That's fine. But at this point, what's the point? You're, why, destroy your, well, you destroyed your life.

• 10:33Speaker 02

  Destroying my life. Everybody and their mom.

• 10:35Caleb Hammer?

  You haven't had the consequences.

• 10:37Speaker 02

  Everybody and their mom has made an only

• 10:39Caleb Hammer?

  No, no, among, among people around your age, yes, a higher percent than ever before is doing But even still, I mean, if you're making enough over the last year to have leaks, then that shit's gonna be there. If someone just starts, puts a tit pic online, and then no one really sees, that's not gonna follow them that much. It sounds like you're in a place where this is gonna follow you forever now.

• 11:02Speaker 02

  Yeah.

• 11:03Caleb Hammer?

  And I'm assuming not making enough.

• 11:05Speaker 02

  Yeah, no.

• 11:06Caleb Hammer?

  Exactly. Or else you wouldn't be on this show. For it to make a difference in the future and actually be able to sustain you post OF.

• 11:13Speaker 02

  Yeah.

• 11:13Caleb Hammer?

  So again, okay, fine. What was your highest income earning month from OF?

• 11:17Speaker 02

  So I actually got into a contract with a Bella Danger's manager.

• 11:24Caleb Hammer?

  I, I don't know what that is.

• 11:25Speaker 02

  You, Bella Danger? You know who that is?

• 11:27Caleb Hammer?

  No.

• 11:28Speaker 02

  That's a star.

• 11:29Caleb Hammer?

  Okay, I, I actually don't know anyone by their, I know Sophie Rain, cause her manager, uh, well, no, no, I knew her, but she said she wanted to come on the show and then, uh, I guess she never did.

• 11:38Speaker 02

  And then, so I got contracted with them within the first

• 11:42Caleb Hammer?

  Bonnie Blue, because she like probably has AIDS.

• 11:44Speaker 02

  Yeah, probably.

• 11:45Caleb Hammer?

  Keep going.

• 11:45Speaker 02

  I made five grand within a month and a half, just on only

• 11:50Speaker 02

  And then

• 11:50Caleb Hammer?

  Five grand? We're destroying our life for five grand one time?

• 11:55Speaker 02

  Yeah.

• 11:55Caleb Hammer?

  When I asked for your height, you're giving me five grand?

• 11:58Speaker 02

  Yeah.

• 11:59Caleb Hammer?

  How the fuck are you surviving right now?

• 12:02Speaker 02

  Because there's nice gentlemen.

• 12:04Caleb Hammer?

  Because? I said, how?

• 12:06Speaker 02

  Nice gentlemen on the internet.

• 12:08Caleb Hammer?

  Oh, are you being a sugar baby? Okay, is this not so degrading and pathetic? Have sex. Sex is fun. We all do it. But, I mean, if we start doing it for money.

• 12:23Speaker 02

  Then what?

• 12:24Caleb Hammer?

  It's just like, at that point, I mean, it's just

• 12:29Caleb Hammer?

  more degrading.

• 12:30Speaker 02

  To, to who?

• 12:32Caleb Hammer?

  I guess to me. It just seems, I mean, like being a whore. Again, I think, have fun, but

• 12:38Speaker 02

  Exactly.

• 12:38Caleb Hammer?

  Okay, okay, okay. Give me examples of what's going on now.

• 12:41Speaker 02

  Um, so just like on, I'll sometimes scam men out of money.

• 12:48Caleb Hammer?

  Scam?

• 12:50Speaker 02

  Uh, sometimes

• 12:50Caleb Hammer?

  I thought we were a sugar baby. No, no, no, no, no. Tell me the scam.

• 12:53Speaker 02

  There's so many different ones.

• 12:54Caleb Hammer?

  Tell me, give me an example of that. That's crazy.

• 12:58Speaker 02

  It's like, okay.

• 12:58Caleb Hammer?

  Now you're a piece of shit.

• 13:00Speaker 02

  A hundred bucks. And I'll FaceTime him. And so then they send me a hundred bucks. And I just block him.

• 13:11Caleb Hammer?

  Where do they find you?

• 13:12Speaker 02

  Snapchat, TikTok.

• 13:15Caleb Hammer?

  Oh, okay. TikTok. How do they find you on Snapchat?

• 13:17Speaker 02

  Cause if you post on your public story, so like my IP address is banned, like Snapchat, I can't have another one at all.

• 13:25Caleb Hammer?

  Why?

• 13:26Speaker 02

  Because I got banned so many times.

• 13:28Caleb Hammer?

  Why?

• 13:29Speaker 02

  For posting provocative pictures.

• 13:32Caleb Hammer?

  Was it provocative pictures or were they nude?

• 13:33Speaker 02

  They weren't nude. None of them were ever nude.

• 13:37Caleb Hammer?

  No tit?

• 13:38Speaker 02

  No tit.

• 13:39Caleb Hammer?

  No sign of flappage?

• 13:40Speaker 02

  Uh-uh.

• 13:43Caleb Hammer?

  Okay, that's a bit weird. Okay, so they find you and you're like, in order to FaceTime me, send me a hundred dollars and then you block him?

• 13:48Speaker 02

  Well, they usually swipe up and they say, you selling?

• 13:51Caleb Hammer?

  What is, what are men doing? How are we, how, what the, there's so much for

• 13:56Speaker 02

  Exactly.

• 13:56Caleb Hammer?

  Sex is not difficult. What are we doing? Why, why are people asking for images? A, a woman they don't know?

• 14:03Speaker 02

  Yeah.

• 14:03Caleb Hammer?

  A woman they don't know. How is seeing her?

• 14:07Speaker 02

  And that's exactly why I scam them. Cause it's like, why are you buying pussy off Snapchat?

• 14:12Caleb Hammer?

  Okay, I mean, you're the one selling.

• 14:14Speaker 02

  Yeah.

• 14:15Caleb Hammer?

  Come on. How are you to judge? Again, sex, okay, okay, okay, okay. So, um, all right. And then the people you're not scamming, cause you're not gonna make a hundred dollars here and there, it's not gonna make your life.

• 14:30Speaker 02

  Sending videos.

• 14:31Caleb Hammer?

  You send videos?

• 14:32Speaker 02

  Yeah.

• 14:32Caleb Hammer?

  What kinda videos? Wouldn't you like to know, weather boy?

• 14:37Speaker 02

  Where are your parents? Um, I have sent

• 14:40Caleb Hammer?

  How many people you got?

• 14:42Speaker 02

  Well, it's just like, it's different platforms, it's different things. But, but men, but men scammed me in the beginning too.

• 14:48Caleb Hammer?

  I don't care. You deserve it now. Fuck you. How'd you get scammed?

• 14:52Speaker 02

  Well, there would be times where they'd be like, send the video and then I'll send you the money.

• 14:56Caleb Hammer?

  No, no, no, obviously you can't do that. That's just you being a

• 14:59Speaker 02

  No, 100%. That was just me falling into that. But at the end of the day, it was like, fuck you. No, I'm just gonna scam y'all.

• 15:06Speaker 03

  And scammer, get scam buddy.

• 15:10Caleb Hammer?

  Okay, well, that doesn't make sense. Don't be, someone is a piece of shit, don't be a piece of shit. So you have sugar daddies right now?

• 15:16Speaker 02

  I have a sugar daddy.

• 15:17Caleb Hammer?

  A, okay. So what happens there?

• 15:19Speaker 02

  We just meet up and he gives me 500 bucks.

• 15:22Caleb Hammer?

  And you?

• 15:24Speaker 02

  Have sex.

• 15:28Caleb Hammer?

  Is he incredibly ugly?

• 15:30Speaker 02

  No. He's just kinda older.

• 15:32Caleb Hammer?

  Why don't you just have sex with him then?

• 15:36Speaker 02

  Because I can get $500 out of it.

• 15:40Caleb Hammer?

  How old is he?

• 15:41Speaker 02

  Probably like 50 something.

• 15:46Caleb Hammer?

  Are you getting tested?

• 15:48Speaker 02

  Yeah.

• 15:49Caleb Hammer?

  Are you letting this man go

• 15:51Speaker 02

  Huh?

• 15:51Caleb Hammer?

  You're letting him go unwrapped?

• 15:54Speaker 02

  Uh-uh.

• 15:55Caleb Hammer?

  Oh, good. Okay. My goodness, I was gonna say, I don't, you're, you're

• 16:00Speaker 02

  No.

• 16:01Caleb Hammer?

  Okay, you're reading to have sex for 500 dollars is a

• 16:04Speaker 02

  No, we're having a mutual spoiling.

• 16:10Caleb Hammer?

  What? Okay. And how frequently do we do this?

• 16:14Speaker 02

  Like maybe twice a month.

• 16:16Caleb Hammer?

  How'd you meet him?

• 16:17Speaker 02

  On dot com.

• 16:19Caleb Hammer?

  Oh, that's an actual website. That is so just clear as day what it's for. That's crazy.

• 16:26Speaker 02

  Yeah.

• 16:27Caleb Hammer?

  Okay, so it's basically a website, got it. I guess when I get old, if I'm that desperate, geez. Let's see what this guy looks like. I'm not gonna put it on camera.

• 16:36Speaker 02

  I don't even have a picture.

• 16:37Caleb Hammer?

  You know his name. You can look him up online.

• 16:40Speaker 02

  I, I, I know his sugar daddy name.

• 16:44Caleb Hammer?

  Oh my goodness, is he married?

• 16:47Caleb Hammer?

  Is he married?

• 16:48Speaker 02

  I don't know.

• 16:49Caleb Hammer?

  No way you don't know. You haven't picked, you haven't chatted at all about anything.

• 16:53Speaker 02

  I know he has a kid.

• 16:55Caleb Hammer?

  He's married.

• 16:56Speaker 02

  Well, that's on him.

• 16:59Caleb Hammer?

  Yeah, no, it is on him. It is on him for what it's worth. Uh, okay, show me this sugar daddy thing. Show me the sugar daddy website.

• 17:06Speaker 02

  Let me see.

• 17:06Caleb Hammer?

  I'll see your profile.

• 17:10Caleb Hammer?

  So, but 500 dollars twice a month, that's a thousand hours a month. Again, math isn't adding up. And I know you're not at your peak of So how much are you making a month? What, what did you make last month?

• 17:21Speaker 02

  Enough to get by, which is probably just like, maybe like two grand.

• 17:25Caleb Hammer?

  What the, where'd the other two grand come from? Where the other one grand come from, from your of a thousand?

• 17:31Speaker 02

  Well, then there's just the random guys that, and then sometimes they'll just be like, hey, do you need anything? And I'm like, yeah, a hundred bucks. And they just send it to me.

• 17:39Caleb Hammer?

  Through what platforms?

• 17:41Speaker 02

  TikTok. They just find me and then they're like, if you need anything, just let me know.

• 17:46Caleb Hammer?

  They message you on TikTok?

• 17:47Speaker 02

  Hmm.

• 17:48Caleb Hammer?

  What the fuck is happening? Our society is collapsing. This is insane. Oh, we are gonna be like the next South Korea. We are so done. This is crazy. So what's your future? Cause 2000 gets us nowhere. You're 24 a year. I don't even know how you're living. I, I, I gotta learn more about that. But yeah, let's see. Okay. Okay, here's the sugar daddy website. I'm gonna port it. And yeah, they're attractive pictures, I guess. It's just

• 18:18Caleb Hammer?

  Is this an app?

• 18:19Speaker 02

  No, it's just a website, but I just added it to my home screen like an app.

• 18:22Caleb Hammer?

  That's crazy. You're, okay, let's see what's going on here. You have no active conversations. You have no active conversations.

• 18:29Speaker 02

  No, cause they all like, they all disappeared. I had quite a bit.

• 18:34Caleb Hammer?

  Oh, they're all so old. They are all so old. Let's see, who's

• 18:38Speaker 02

  Some of them are decrepit.

• 18:40Caleb Hammer?

  Yeah, but you, you match with them.

• 18:43Speaker 02

  Yeah, cause they'll send me money.

• 18:44Caleb Hammer?

  I spoil. Oh.

• 18:46Speaker 02

  See? Everybody's looking for a mutual spoil.

• 18:51Caleb Hammer?

  Dude's tough for what it's worth. I mean, fucking, doctoral net worth, one to 10? What the fuck is happening here? This is crazy. What is going on here?

• 19:03Caleb Hammer?

  Let's, like, I need a date in West Texas. This is wild, man. This is crazy. Chat, are you saying this is wild?

• 19:17Caleb Hammer?

  Okay, so you have this guy's albums. Okay, so they give you access to their album.

• 19:22Speaker 02

  Mm hmm. And then you can see their picture.

• 19:24Caleb Hammer?

  My gosh. I mean, we're all gonna, I guess, turn into this someday, so. Okay, so this is you. Let's see. The one place on earth I want to be, and then you didn't finish the sentence.

• 19:36Speaker 02

  Nothing on earth. I just chat GPT to everything.

• 19:38Caleb Hammer?

  I guess you really don't have to do anything because you're the woman. On paper, most of practice. Is being a model? You're a model? No, you just started early. Not a model. I I get happy if I could finally pay my debt. Well, use your sugar uh money and then actually pay your debt instead of doing whatever. Oh, despite all my complaints, my exes could all agree that I'm crazy.

• 19:56Speaker 02

  Yeah.

• 19:56Caleb Hammer?

  You're crazy.

• 19:57Speaker 02

  Yeah.

• 19:58Caleb Hammer?

  Well, that's not good.

• 19:59Speaker 02

  Yeah.

• 19:59Caleb Hammer?

  How are you crazy?

• 20:00Speaker 02

  Just it's just a little little jumbled up.

• 20:04Caleb Hammer?

  What have you done?

• 20:04Speaker 02

  Nothing, nothing.

• 20:06Caleb Hammer?

  Crazy shit have you done?

• 20:07Speaker 02

  I just like, you know, get overwhelmed and then like slam my head into walls. So that's it.

• 20:12Caleb Hammer?

  You slam your heads into the walls?

• 20:13Speaker 02

  Yeah.

• 20:14Caleb Hammer?

  You bash your head into walls?

• 20:15Speaker 02

  Yeah.

• 20:17Caleb Hammer?

  How frequently are you bashing your head into walls?

• 20:20Speaker 02

  I haven't done it in like a couple of months.

• 20:22Caleb Hammer?

  What the? What the is this? What?

• 20:26Speaker 02

  Like, mm hmm. So if like I was in an argument with me and my ex and it was like a screaming battle and it was really bad.

• 20:33Caleb Hammer?

  What were you guys fighting about?

• 20:34Speaker 02

  Of breathing at that point.

• 20:38Caleb Hammer?

  Okay, so this is a recent ex. Oh, you broke up with your you had a fiance?

• 20:42Speaker 02

  Yes. So I quit doing first time because.

• 20:47Caleb Hammer?

  Oh, you've done it multiple times. Okay.

• 20:49Speaker 02

  I got engaged to him and it was a really toxic, bad relationship. I was basically locked in the bedroom. I wasn't allowed to leave the room because he thought I was gonna the roommate.

• 21:02Caleb Hammer?

  What the? Why would he think that?

• 21:04Speaker 02

  Uh, just because he was insecure.

• 21:08Caleb Hammer?

  Good death. Okay, let's see what's going on on TikTok here.

• 21:14Caleb Hammer?

  We'll probably go through more in the post show. Active now. What's this guy doing?

• 21:20Caleb Hammer?

  Uh, okay.

• 21:25Caleb Hammer?

  See, how did this dude's? Why? Why? You're following these weird people. What the is happening here?

• 21:34Caleb Hammer?

  Must be a whole different person or a scammer. Huh? Hello, spend. I want some money. Okay, so you're actively asking for money.

• 21:41Speaker 02

  Yeah.

• 21:42Caleb Hammer?

  The fuck is happening? This is pretty easy, man.

• 21:47Caleb Hammer?

  Are you doing on? Okay, so you don't have hinge downloaded.

• 21:54Speaker 02

  No, it's on my other phone.

• 21:56Caleb Hammer?

  Oh, we have a whore phone.

• 21:58Speaker 02

  Yeah.

• 21:59Caleb Hammer?

  Okay, show me your whore phone.

• 22:00Speaker 02

  I don't even have it on me.

• 22:03Caleb Hammer?

  Well, you fucked the guy last night that your ex forbade you from being with.

• 22:07Speaker 02

  Yeah.

• 22:07Caleb Hammer?

  Why? Or like, what? What happened there?

• 22:10Speaker 02

  I was just it was just hung out.

• 22:17Speaker 02

  He's just he's just a cool dude. He's just a cool dude. We were just hanging out.

• 22:21Caleb Hammer?

  Are you doing? It's my guns.

• 22:27Caleb Hammer?

  Dude, you did that as revenge for your ex.

• 22:31Speaker 02

  Well, I I I yeah, basically.

• 22:36Caleb Hammer?

  And did he pay you?

• 22:38Speaker 02

  No.

• 22:39Caleb Hammer?

  Well, that's good. 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.

• 23:22Caleb Hammer?

  And here's the 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 plus 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 thirty seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS debt dot com slash hammer. That is PDS debt dot com slash hammer. PDS debt dot com slash 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.

• 24:05Caleb Hammer?

  So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? 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. Okay, let's see what you're sending on here. This is crazy. So what's your rent right now? How are we doing this?

• 24:50Speaker 02

  I don't have rent. I live with my parents.

• 24:53Caleb Hammer?

  Okay, that makes more sense. So what are you trying to do in the future? Okay, so how many people are you texting on here?

• 24:59Speaker 02

  Out.

• 25:00Caleb Hammer?

  Oh, a lot. July seventeenth, that was a few days ago.

• 25:05Caleb Hammer?

  Okay, so what do you?

• 25:07Speaker 02

  You're getting real click happy over there. I'm scared.

• 25:10Caleb Hammer?

  I mean, yeah, those are your tits, but that is only. Okay, I mean, they're large, but these aren't people even asking for anything. You're just sending. I'm so confused.

• 25:20Speaker 02

  Is that only?

• 25:21Caleb Hammer?

  Well, yeah, I'm looking through the messages.

• 25:23Speaker 02

  I haven't created any content in probably like a month for.

• 25:28Caleb Hammer?

  You shouldn't. You should stop. You should do something with your life. I don't even know. This is.

• 25:32Speaker 02

  And that's like, that's what I wanted to do. Like, I I haven't wanted to continue to do anymore because it it's a lot of work.

• 25:43Caleb Hammer?

  So what were you fighting about that made you bang your head into the wall, though?

• 25:47Speaker 02

  I really don't remember. We were just getting to like screaming matches and I just like couldn't take it. And so I just.

• 25:55Caleb Hammer?

  You're insane.

• 25:56Speaker 02

  Yeah, yeah.

• 25:57Caleb Hammer?

  So what's the future? You want to get out of the house? No shit. That's pretty basic.

• 26:01Speaker 02

  Yeah.

• 26:02Caleb Hammer?

  But how are you doing that? What's the plan?

• 26:05Speaker 02

  Well, the most recent plan is I it's thirteen hundred dollars to get your real estate license.

• 26:12Caleb Hammer?

  Oh, my. What is it with everyone of the pair tits that thinks they're gonna do? You live in West Texas.

• 26:19Caleb Hammer?

  Go on.

• 26:20Speaker 02

  Because I was a leasing agent and I loved it. I loved being a leasing agent. That was so fun. And it's like real estate, there's more more money.

• 26:28Caleb Hammer?

  You're not gonna be successful in that.

• 26:30Speaker 02

  Why?

• 26:31Caleb Hammer?

  Because. Like eighty percent aren't. And I'm sorry, I don't. It's just like.

• 26:37Speaker 02

  But you didn't say why.

• 26:38Caleb Hammer?

  You bang your heads in walls. You were a leasing agent.

• 26:41Speaker 02

  And?

• 26:41Caleb Hammer?

  You just do. Um, I don't see this life skill. What entrepreneurial thing have you ever done? That'll get you to that is indicated that you would somehow be good at real estate.

• 26:52Speaker 02

  The leasing job. That's gonna show one hundred percent. I leased over apartments.

• 26:59Caleb Hammer?

  Holy shit, that wanna be real estate.

• 27:01Speaker 02

  Within ninety days, less than ninety days.

• 27:06Caleb Hammer?

  Are you applying to jobs in the meantime, please?

• 27:08Speaker 02

  Yes.

• 27:08Caleb Hammer?

  Think? Anything lining up?

• 27:11Speaker 02

  I've got an interview on Thursday.

• 27:13Caleb Hammer?

  Good for what?

• 27:14Speaker 02

  A leasing agent job.

• 27:15Caleb Hammer?

  Oh, thank. Well, were you fired from your previous ones?

• 27:18Speaker 02

  No, I got over from the last one that I just worked at. I quit before my ninety days was up. And so they didn't pay me my commission.

• 27:27Caleb Hammer?

  Ninety days?

• 27:29Speaker 02

  Yeah.

• 27:29Caleb Hammer?

  Why?

• 27:30Speaker 02

  The apartment complex, it just corporate didn't like me.

• 27:34Caleb Hammer?

  See, if you can't even stick out for ninety days, like you know how long, like most people don't make money in their first year of being a real estate agent.

• 27:40Speaker 02

  Yeah, no.

• 27:41Caleb Hammer?

  That can't be your plan. Oh, you're doing some door to door.

• 27:45Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a fifty page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies eighteen plus.

• 28:10Caleb Hammer?

  We're sales a month ago. Oh, you lasted one week. Great. What were you selling?

• 28:14Speaker 02

  Windows.

• 28:14Caleb Hammer?

  Okay, you are not gonna be successful in real estate. You need to work for someone. You need to work for someone at a desk, doing something. You can't do sales. You are not someone that can do that.

• 28:25Speaker 02

  Why?

• 28:26Caleb Hammer?

  You're look at you, less than ninety days at at that previous position. You can't even stick out. Oh.

• 28:32Speaker 02

  Less than ninety days, but I still leased thirty five apartments.

• 28:36Caleb Hammer?

  Week. You last a week at the sales job door to door.

• 28:39Speaker 02

  Yeah, because I'm too small. I'm too cute.

• 28:41Caleb Hammer?

  Oh, shut.

• 28:42Speaker 02

  I'm gonna be.

• 28:43Caleb Hammer?

  Oh, shut. You'll be kidnappable in real estate as well, then.

• 28:48Speaker 02

  Yeah, but at least I'm not going door to door. I'm not invading people's spaces.

• 28:51Caleb Hammer?

  You're meeting up with random people who say they wanna buy a house or sell a house. Good luck. Okay. Okay, so this isn't a real plan, but okay, maybe you'll be this real estate person. Anything else going on?

• 29:02Speaker 02

  I I do sewing and stuff on the side.

• 29:04Caleb Hammer?

  You do sew it. Okay, what's that?

• 29:07Speaker 02

  I just I sew bags and I like repurpose and recycle and reuse. So I'll go to like thrift stores and get like Wrangler pants.

• 29:15Caleb Hammer?

  Is this an actual business?

• 29:17Speaker 02

  Yeah, like people are like actively like ordering and buying from me.

• 29:24Caleb Hammer?

  Okay, tell me about the business.

• 29:29Caleb Hammer?

  First into the tank is a whore who thinks she can make bags, but can't even spell what's on it correctly.

• 29:43Speaker 02

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

• 30:27Speaker 02

  textiles, and other materials that would normally end up in a landfill. Every piece is handmade and one of a kind. I don't want to stop at custom orders. I want to build a recognizable brand where every product has a story, whether it's turning an old Carhartt jacket into a backpack, making a cable bag for musicians, creating organizers, or repairing someone's favorite piece of clothing instead of replacing it. I also document the entire creative process. Customers can watch their item being made from start to finish. That content builds trust, grows with the brand and the creator, and additional source of income through social media.

• 31:11Speaker 02

  Eventually, I want to offer nationwide mail-in repairs so people can restore the clothing and the bags they already love instead of replacing them. Why I'm seeking investment? My biggest challenge isn't making the products, it's growing the business. An investment would allow me to improve my workspace, purchase equipment, and materials, build a professional website, and consistently create content that reaches more customers. I'm not trying to build another fast fashion company. I want to build a brand that celebrates craftsmanship, sustainability, and creativity while proving handmade products still have a place in today's world.

• 31:54Speaker 02

  With the right support, I believe this business can grow into something much bigger than custom bags. Any questions?

• 32:01Caleb Hammer?

  What are the bags?

• 32:04Speaker 02

  This is one that I made for Caleb.

• 32:08Caleb Hammer?

  Okay.

• 32:09Speaker 02

  So it's got like a zipper. This took me about eight hours. So it's got like zipper here, zipper here, and then on the inside, it's got a place for a laptop, and then there's a cord bag in there too that I made. So it's like completely customizable. There's a water bottle pocket on the side. There's places where you can clip things.

• 32:35Caleb Hammer?

  And how much did this cost for you to produce?

• 32:38Speaker 02

  This only costed me $12.

• 32:40Caleb Hammer?

  Costed $12?

• 32:42Speaker 03

  And what do you sell it for?

• 32:44Speaker 02

  I sell it for around $150.

• 32:47Speaker 03

  Wow. So that's a premium product. $150.

• 32:53Speaker 04

  Vanessa, is this a new business? I mean, are we still in the conceptual stage? How much revenue have you had come through in sales?

• 33:01Speaker 02

  I'll be honest with you, it is quite a newer business. I've had about eight bags sold so far. But I've been going live on TikTok and just sewing and making stuff, and people are so intrigued by the process of me making these bags and they get so interested in them. You know, eventually they're like, hey, I would love to order a custom bag from you. Or something as much as like them sending in like maybe their favorite pair of pants and I can make that.

• 33:29Caleb Hammer?

  How many followers do you have on TikTok that you're showing this all to?

• 33:32Speaker 02

  At the moment, it's only 700 that I'm showing it to.

• 33:38Caleb Hammer?

  Okay, and just to bring other Sharks up to speed, have you ever had another TikTok?

• 33:44Speaker 02

  I have had another TikTok and it was, I had like 15,000 followers on it.

• 33:48Caleb Hammer?

  That's interesting. What happened?

• 33:49Speaker 02

  It did get banned because I was doing content creation, adult content creation.

• 33:57Caleb Hammer?

  Oh.

• 33:58Speaker 02

  And so it got banned for that reason.

• 34:01Speaker 03

  So here's my thoughts. I'm going to tell you how you actually grow this business. I think it would be very unique if you show yourself making these bags, but you make just crazy custom one-offs, you document the process, and then you sell it to the people who are watching. Like I see people do this all the time with art. They create these amazing art pieces, they document the process, some of them get a lot of views, and then they sell them. But I don't think this is quite a business that you could scale easily unless you just happen to go crazy viral.

• 34:28Caleb Hammer?

  I do want to know, how'd you come up with your valuation? You said 5,000 for 5%?

• 34:33Speaker 02

  Yes, 5,000, so that would be for all of like sewing table, cutting table.

• 34:40Caleb Hammer?

  I understand that, but where did you get to about 100,000 being the value of this company today?

• 34:46Speaker 02

  I never said it was 100,000 was the value.

• 34:49Speaker 04

  The offer says it though.

• 34:51Speaker 03

  5,000 for 5%, which would be a 100,000 valuation.

• 34:56Speaker 02

  That does make sense.

• 34:58Speaker 03

  So is the valuation coming down?

• 35:00Speaker 02

  Yeah.

• 35:01Speaker 03

  Okay, good.

• 35:03Speaker 02

  I truly don't know like what, like my business would be worth, but I do know that I can create really good pieces and really connect with these people because these are like stories that you're telling through these workwears and everything. I've made a, I've made a bag out of my dad's old, you know, clothes, like some of his old pants, and that was a story because in those pants, he did a whole bunch of things. And so that turned into a story that turned into something bigger. I would love for people to be able to send in.

• 35:35Caleb Hammer?

  What did he do in his pants?

• 35:38Speaker 02

  Well, he just got to like go interview a lot of really cool people and like that just that day was like a special day for him that he wore those pants for.

• 35:47Caleb Hammer?

  So you know what it costs to produce this bag, but do you have shipping under control? Do you understand the costs around that?

• 35:54Speaker 02

  So shipping would be around like $5-ish, but they would be giving me half of the deposit upfront and they would be covering the shipping cost.

• 36:05Speaker 04

  Vanessa, I would be curious, how many bags could you actually make in a year? Because let me, let me, let me lay it out is, I wonder where we are on the chicken versus the egg. What came first is if you should create your following so that you can then charge a big enough premium if you had enough followers, because you're probably not going to be able to create a ton of these bags since they're all custom and one-off. And I'm just worried if you don't have the audience first, you're not going to be able to charge the premium, so it's not a viable business. Does that make sense?

• 36:39Speaker 02

  Yes, absolutely. And I can, I literally within two weeks got that 700 followers. I just go live on TikTok and unfortunately, I did get just a ban at the moment on my TikTok Live because I was adjusting my camera and when I went to like reach behind it, it was just my cleavage that was in view. And I've tried to appeal it, it's been in approval for literally three days. I'm still waiting.

• 37:08Caleb Hammer?

  Was there?

• 37:09Speaker 04

  Wait, is this the 700 or the 15,000?

• 37:12Speaker 02

  This is the 700.

• 37:13Speaker 04

  Okay.

• 37:14Caleb Hammer?

  So we're already on the brink of the 700 going away?

• 37:16Speaker 02

  No, because that was my first, first restriction, and that was totally user error, just not realizing where the camera was facing.

• 37:25Caleb Hammer?

  Now, once we get these followers up, if you're able to get these followers up and we're able to sell enough bags with the, say I provided 5,000, have we considered, instead of you making them, having a child in Asia or Africa making them for a couple cents?

• 37:43Speaker 02

  See, but why do that? Why do that when I can make them? And I can also make these like, just like baseline products of just like, oh, this is a cute little shoulder wrangler bag. And I can just make a couple of those so that those are just sellable.

• 38:01Caleb Hammer?

  So how are you currently paying your bills now if we're not making as many bags today? I want to know. I want to make sure that the person I'm investing in is able to take care of their life.

• 38:13Speaker 02

  All my bills have been paid for for the most part. I am getting money from men online.

• 38:21Caleb Hammer?

  To do what?

• 38:23Speaker 02

  Well, you know, it's adult content creation. That's how I make money and that's how I'm spending my bills.

• 38:28Caleb Hammer?

  So unfortunately, I believe in your daily life that you're a whore and for that reason, I'm out.

• 38:38Speaker 02

  Just in my daily life because I decided my body was worth someone spending money on it, you're out?

• 38:46Caleb Hammer?

  I'm out.

• 38:46Speaker 02

  Okay.

• 38:48Caleb Hammer?

  But you still have five Sharks, four Sharks left.

• 38:51Speaker 03

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

• 39:36Speaker 03

  that beyond just yourself is going to be a longer process.

• 39:40Speaker 02

  Yes, I don't expect for it to happen overnight by any means. I know that this would be quite a long process, but sewing has been the one thing that's been like very consistent in my life. I've been doing it for six years. No matter what, like that's just where I go to is sewing. And I love making things for other people too. I just, I don't make things for myself, I make things for other people.

• 40:04Speaker 04

  And Vanessa, I think that anybody who can actually create something with their hands that has a value, that's something to be commended and to be respected. I think I'm out just because you're doing this at the wrong time, meaning that you have to get the following, exactly what Graham was talking about, so you can charge the premium that your hard work is worth. But lean into your talents of what you can create with your hands and create the monetization and try to, because I worry, some of the ways that you've made money in the past, that's only gonna be a moment in time. And I want you to actually develop and lean into your talents of what you can create, because that's gonna just have a lot more longevity. It's actually gonna be more sustainable for you. And you

• 40:47Speaker 04

  probably can create your own little cult following that lets you get the crowdfunding by charging that premium. But I wish you the best, but I'm out.

• 40:58Speaker 02

  Thank you.

• 40:59Speaker 03

  Here's what I would do. Instead of money, I'll give you my email. And feel free to email me if you have any questions. I'd be happy to email you back, give you my thoughts on something. And I think that would be worth way more than $5,000.

• 41:14Speaker 02

  I really appreciate that.

• 41:16Caleb Hammer?

  Graham, are you out?

• 41:18Speaker 03

  Financially, I'm out, but email is in.

• 41:21Speaker 05

  Well, Vanessa, I think you're very sweet. And I think it's really cool that you're talented. But my worry is that the marketing strategy could disappear over something that TikTok doesn't like. And also, my portfolio is already carrying enough baggage. So for that reason, I'm out.

• 41:37Speaker 02

  Thank you.

• 41:39Speaker 06

  All right, Vanessa, this is Humphrey. How are you?

• 41:42Speaker 02

  Good.

• 41:43Speaker 06

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

• 42:27Speaker 06

  one time sales, so your business would be worth $37,500. But let's say at the high end, it's worth 1.5x or 2x sales, you know, you're kind of looking at between 56K and 75K is what your business is worth. I just don't think it's that worth it for me to invest in it. But I think it's got a cool story. And I think if you can grow your following and charge a very high premium for the bags, let's say they're artwork instead, you know, maybe it costs you 50 bucks to make, but now, now you're selling them for $1,500. That could be really interesting. And people would buy it because of its association to you. I think that would be, that'd be really cool. So I think your focus is maybe not so much on the price of the bags for now, but just really growing your online persona so that

• 43:11Speaker 06

  one day, maybe you can charge that premium. And then that would be interesting. But as of right now, I don't see it becoming a mass scale product.

• 43:18Speaker 02

  I appreciate y'all's time. Thank you so much.

• 43:20Caleb Hammer?

  Vanessa, you got some good advice today. And unfortunately, leaving without an investment, but we can see you have some big hustle in you. And we wish you the best.

• 43:29Speaker 02

  Thank you.

• 43:30Caleb Hammer?

  Okay, so unfortunately, it looks like the bad company is not gonna work. Honestly, I was having fun with it. And I wanted to get their reactions with me calling, calling a whore. But like, in reality, I think Humphrey, especially at the end, and he really gave some good advice. It really isn't scalable.

• 43:53Speaker 02

  No.

• 43:54Caleb Hammer?

  Were you joking with the 5,000 for 100, for 5%? Or was that what you were actually thinking?

• 43:59Speaker 02

  I was with ChatGPT's numbers.

• 44:00Caleb Hammer?

  Chat, how, what did you feed it to get valued at 100,000?

• 44:05Speaker 02

  We had a whole project going on, but, but it's okay. But it's okay. I learned a lot of lessons from it. I learned a lot of insight.

• 44:13Caleb Hammer?

  From what, from that conversation?

• 44:14Speaker 02

  Yes.

• 44:15Caleb Hammer?

  It actually was more value, but I was thinking, I was like, this is gonna be a good bit. But I think, no, I think, I mean, what did you learn? Because I think you shouldn't pursue this.

• 44:23Speaker 02

  First of all, like,

• 44:24Caleb Hammer?

  A hobby. It's a hobby.

• 44:26Speaker 02

  It's a hobby, but I think it'd be like a cute side hobby.

• 44:29Caleb Hammer?

  Yeah, side hobby. But we're not pursuing the, so this is my concern for you, right? It's like, okay, you're being a whore. And like, that's not gonna be great long term. Taking the old dude's PP, you know, selling online, that's just, is that what you want for the rest of your life?

• 44:45Speaker 02

  No, and that's why I haven't,

• 44:46Caleb Hammer?

  Realtor, that's not, that's not gonna work out.

• 44:48Speaker 02

  Why?

• 44:49Caleb Hammer?

  We already went over it. You don't stick to things long enough. You're not that entrepreneurial type person. That just, majority of people that try to get into real estate don't do well.

• 44:58Speaker 02

  Majority?

• 44:59Caleb Hammer?

  Yeah. I don't know why, why do you think you're gonna be a unique butterfly in that? Okay, fine. Why do you think it's gonna work? You ask why I think it's not gonna work? Why do you think it's gonna work?

• 45:08Speaker 02

  Because I think I'm very good at selling a house. People need a house. And you know, if they, if they want it, they want it. If they don't, they don't. At the end of the day, you know?

• 45:16Caleb Hammer?

  Wow, okay, you're gonna kill it. You're gonna do incredible. Girl, you literally, I'm being told you quit jobs consistently on day one, that you leave during lunch if you don't like the vibe. By lunch?

• 45:28Speaker 02

  Yeah.

• 45:29Caleb Hammer?

  Girl, real estate, you weren't, the amount of effort and shit you have to sling for the longest amount of time to make it. Okay, so there is no actual path?

• 45:45Speaker 02

  Not necessarily. The more just ideas.

• 45:49Caleb Hammer?

  So what, we just live at home?

• 45:51Speaker 02

  Yeah.

• 45:52Caleb Hammer?

  That's, that's it? That's your life?

• 45:54Speaker 02

  Yeah.

• 45:55Caleb Hammer?

  No, going forward. Because you don't have anything real. I'll get you a course career certification. A lot of people use those to get great certifications in tech or trade and convert them into six-figure jobs. People have done it in the audience. So you can do that as well. But I mean, besides the certification, do you want to be, go to college? You want to, like, what the are we doing?

• 46:15Speaker 02

  Like, my, my big dream, always, like, what I wanted to do,

• 46:20Caleb Hammer?

  Okay, dream, sure.

• 46:21Speaker 02

  Was forensic psychology.

• 46:22Caleb Hammer?

  Okay, well, are you gonna go to, have you gone to college? Have you done any college?

• 46:26Speaker 02

  I haven't done any college.

• 46:27Caleb Hammer?

  Well, at least when people are doing OF, they're using it to pay for college.

• 46:30Speaker 02

  I'm just,

• 46:31Caleb Hammer?

  You could strip through college.

• 46:32Speaker 02

  Paying for food.

• 46:33Caleb Hammer?

  I don't want to recommend people to, but you live at home. Your parents own grocery shop? You have to pay for your own?

• 46:37Speaker 02

  Yeah.

• 46:38Caleb Hammer?

  You have to pay for your own?

• 46:39Speaker 02

  Yeah.

• 46:40Caleb Hammer?

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• 47:20Caleb Hammer?

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• 48:43Caleb Hammer?

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• 49:38Caleb Hammer?

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• 50:06Speaker 02

  I don't have Wi-Fi either. My Wi-Fi, my dad shut the Wi-Fi off for all my stuff.

• 50:12Caleb Hammer?

  So you'd rather strip than flip burgers, though?

• 50:14Speaker 02

  Yeah.

• 50:17Caleb Hammer?

  Why?

• 50:18Speaker 02

  Because I've done food jobs before.

• 50:20Caleb Hammer?

  You're 24. I mean, you're not that old, dude. What have you done?

• 50:25Speaker 02

  Lot.

• 50:26Caleb Hammer?

  Well, yeah, because you quit everything on day one.

• 50:29Speaker 02

  I've got experience.

• 50:31Caleb Hammer?

  What?

• 50:32Speaker 02

  Let's see, we've got the tanning salon. I worked there twice.

• 50:36Caleb Hammer?

  I thought we were talking flipping burgers, okay?

• 50:38Speaker 02

  Um, bagel place, that was where I did my food. I've worked at Steinmar, I've worked at, um, I was a leasing agent, I was a housekeeper.

• 50:47Caleb Hammer?

  So long as you've stayed somewhere.

• 50:49Speaker 02

  A year and a half.

• 50:52Caleb Hammer?

  I'm losing hope a little too early on.

• 50:54Speaker 02

  I'm a little overqualified for some jobs, you know?

• 50:57Caleb Hammer?

  How? How are you overqualified?

• 51:00Speaker 02

  Yeah, I was a leasing agent.

• 51:03Caleb Hammer?

  Okay.

• 51:03Speaker 02

  And so I don't want to go work at McDonald's now.

• 51:06Caleb Hammer?

  What? That's McDonald's of real estate.

• 51:09Speaker 02

  Yeah, but I don't want to go be in there flipping the burgers and everything. I'm too.

• 51:13Caleb Hammer?

  What? People make careers there.

• 51:14Speaker 02

  Doing, I'm too cute to be doing stuff like that. I want to wear.

• 51:19Caleb Hammer?

  Maybe if you wore less makeup, I don't know what you look like out of there, but you're cake to death, dude. I don't know what's going on.

• 51:24Speaker 02

  Cake to death? You can wipe, you can wipe. There ain't nothing.

• 51:27Caleb Hammer?

  There's no makeup on there? All that fake.

• 51:30Speaker 02

  There is makeup on there, obviously, but there's not as much as you're saying it's caked.

• 51:35Caleb Hammer?

  Come on. Oh, what are we doing here? That's, okay, sure, but why, why you look down on fast food workers?

• 51:42Speaker 02

  Oh, no, looking down on them by any means.

• 51:44Caleb Hammer?

  Well, you said you're overqualified because you're a leasing agent that's looking down on them.

• 51:47Speaker 02

  No. I'm saying I'm overqualified to flip burgers.

• 51:52Caleb Hammer?

  Girl, your Dr. Pepper can is just showing how much makeup you're wearing. Look at that, on the fucking edge of it.

• 51:57Speaker 02

  Lipstick, that's lipstick.

• 51:59Caleb Hammer?

  Yeah, I mean, you're just going crazy.

• 52:03Caleb Hammer?

  What do we think the percentage chance of getting this new job that you're interviewing for?

• 52:07Speaker 02

  Pretty high. They were asking like, how soon can you start? And I was like, as soon as possible. They were trying to get an interview.

• 52:13Caleb Hammer?

  Are you actually going to stay there?

• 52:15Speaker 02

  Yeah.

• 52:16Caleb Hammer?

  What is there to look forward to for this job for you to stay there? Because I need you to stay there and make money.

• 52:22Speaker 02

  College town, so there's like younger guys and I have a little bit of a mommy kink and.

• 52:28Caleb Hammer?

  What does that even mean?

• 52:30Speaker 02

  I just, you know.

• 52:31Caleb Hammer?

  What does that mean?

• 52:32Speaker 02

  I just like to be called mommy.

• 52:36Caleb Hammer?

  Do college guys like calling women mommy?

• 52:41Caleb Hammer?

  I didn't do that while I was in college. Is this?

• 52:44Speaker 02

  It's, it's a whole different thing now. Everything's like mommy, mommy.

• 52:48Caleb Hammer?

  I'm guessing Texas Tech is just like the only one out there. Okay, you're gonna stay there because there's young college guys.

• 52:56Speaker 02

  Plus, it's just, that's just a good place to like, it's college kids that are looking for a place to stay. Of course, they're gonna need an apartment, like, so of course I'm gonna be getting constantly like

• 53:05Caleb Hammer?

  There's cheaper places though, so it's like, it's less money.

• 53:08Speaker 02

  I mean, it is less money, but it's a job.

• 53:11Caleb Hammer?

  It is a job and you have nothing right now and I, I need you to stop being. I'd rather you be a whore just consenting to casual sex than selling it because it's just so, it's just not good for your life. Uh, and long-term damaging. So, I mean, that's fine. If, if that's what we're getting, like, I'm okay with that. But that's, I mean, crazy and fine, yeah, cater to your mommy kink, that's.

• 53:31Speaker 02

  I think it would be fun. It would be interesting. You'd meet so many weird new people and lots of cute guys, so.

• 53:38Caleb Hammer?

  Weird new people because you're in a college town?

• 53:40Speaker 02

  Yeah. Because it's all like, well, they're weird. It's like ranching and stuff is like really what they're focused on.

• 53:49Caleb Hammer?

  I don't get it. Okay, yeah, hey, you do you. I just need you to make a fucking income.

• 53:54Speaker 02

  Yeah.

• 53:55Caleb Hammer?

  That's the critical thing here, right? And I need you to get, do you want to get away from?

• 53:59Speaker 02

  Yeah, yeah.

• 54:00Caleb Hammer?

  You do?

• 54:01Speaker 02

  Yeah.

• 54:01Caleb Hammer?

  Okay, why?

• 54:02Speaker 02

  Because I don't like it.

• 54:03Caleb Hammer?

  Okay, well, there you go. Okay, well, that's, that's actually good to hear. My goodness. So, when you meet up with Mr. 70-year-old or whatever, you don't actually like it?

• 54:13Speaker 02

  No.

• 54:14Caleb Hammer?

  Okay, good.

• 54:15Speaker 02

  I just need to pay my phone bill.

• 54:18Caleb Hammer?

  Good, dude. You know you're, right?

• 54:23Caleb Hammer?

  Okay.

• 54:24Speaker 02

  In, um, in theory, I never agreed to that, you know? I never agreed to that. I didn't, I didn't. I simply just shook my head.

• 54:30Caleb Hammer?

  What?

• 54:31Speaker 02

  It's a mutual spoiling.

• 54:33Caleb Hammer?

  Uh, I'm sure, yeah, okay. So, tell me about your finances today. What are we looking at? What has it been like in your adult life?

• 54:41Speaker 02

  Um, in my adult life is pretty much been paycheck to paycheck, but I mean, I wasn't always bad with money. I, when I was 17, I had.

• 54:50Caleb Hammer?

  17?

• 54:51Speaker 02

  When I was 17.

• 54:52Caleb Hammer?

  In high school, okay?

• 54:53Speaker 02

  I had $20,000.

• 54:55Caleb Hammer?

  How?

• 54:56Speaker 02

  Because of the COVID money.

• 54:58Caleb Hammer?

  What?

• 54:58Speaker 02

  So I was getting paid to be at home for COVID.

• 55:02Caleb Hammer?

  You were 17. How, what, why were you getting paid? What?

• 55:04Speaker 02

  Well, because like, it was like 17, like, turning to 18, right?

• 55:08Caleb Hammer?

  High school students were getting paid?

• 55:10Speaker 02

  Well, because like 20, it was 2020, yeah.

• 55:12Caleb Hammer?

  High school students were getting paid?

• 55:13Speaker 02

  Yes.

• 55:14Caleb Hammer?

  Were high school students getting paid?

• 55:16Speaker 02

  I was getting paid two grand every two weeks.

• 55:18Caleb Hammer?

  What the, were you a senior in high school?

• 55:20Speaker 02

  Mm-hmm.

• 55:21Caleb Hammer?

  What?

• 55:23Speaker 02

  So I was able to save up a bunch of money because I wasn't ordering online or anything and so I got like 20 grand saved up.

• 55:34Caleb Hammer?

  Well, I have to fact-check this. Are you sure you didn't commit some kind of fraud? I've, I've never, I did not, I wasn't in high school at the time and I guess I don't know many high schoolers, but I have not heard of this.

• 55:46Speaker 02

  Yeah.

• 55:47Caleb Hammer?

  Okay, so you had 20,000. I'm gonna see if that's valid, that you got it, but even so, you had it. What the happened?

• 55:53Speaker 02

  So then I bought an ambulance.

• 55:57Caleb Hammer?

  Okay, what is with the, on the show and buying ambulances?

• 56:00Speaker 02

  It was five grand and I refurbished it, spent about three grand refurbishing it.

• 56:05Caleb Hammer?

  What are we doing?

• 56:06Speaker 02

  I was a tiny home.

• 56:07Caleb Hammer?

  No high school seniors who were 17-year-old during COVID did not receive 2,000, not what you did. What fraud did you commit?

• 56:14Speaker 02

  I really don't know now.

• 56:16Caleb Hammer?

  First round, CARES.

• 56:17Speaker 02

  I don't even know what website or anything.

• 56:19Caleb Hammer?

  Eligible adult, which you weren't. Do your parents not claim you for taxes? Were you considered your own dependent?

• 56:24Speaker 02

  Um.

• 56:25Caleb Hammer?

  No, because you live with your parents now, of course they claimed you as a dependent. Why wouldn't they? Third round, American Rescue Plan, second round. What the, what is that? The first round, 17-year-old claim as dependent, generally qualified for neither. Adult nor child add-on.

• 56:39Speaker 02

  I don't know.

• 56:40Caleb Hammer?

  What the? No, you committed some kind of fraud, dude. 100% IRS. What the?

• 56:48Speaker 02

  I, it was just like.

• 56:49Caleb Hammer?

  You know you committed fraud?

• 56:51Speaker 02

  No, I did not, no.

• 56:53Caleb Hammer?

  What did you do? Did you sign up for something?

• 56:55Speaker 02

  Um, it was like through like the Texas something and I, I don't even, I fully don't even remember, but it was my friend just told me like, hey, put in here that you can't work during COVID and you can get paid.

• 57:09Caleb Hammer?

  For adults?

• 57:15Caleb Hammer?

  And what happened to the money?

• 57:16Speaker 02

  So then I, I spent it on the ambulance and then

• 57:19Caleb Hammer?

  Right.

• 57:19Speaker 02

  I stayed in the ambulance one night and my dad came banging on the door just to joke with me. And it scared the shit out of me and I never slept in it again. Didn't even.

• 57:29Caleb Hammer?

  Well, you didn't blow the full 20 on the ambulance. The numbers didn't add up.

• 57:32Speaker 02

  Nope. So then I moved out.

• 57:34Caleb Hammer?

  Yeah.

• 57:35Speaker 02

  And then it was just gone.

• 57:37Caleb Hammer?

  Nowhere to go.

• 57:39Speaker 02

  Rent, groceries.

• 57:41Caleb Hammer?

  You're not working?

• 57:42Speaker 02

  I was working at the time, but then I was in between a job because I was waiting for school to start. So then I was just living off of that for a little bit.

• 57:52Caleb Hammer?

  No, no automatic 2,000-odd month check exists for 17-year-olds who said they could not work during COVID. Pandemic assistance, the BAU, uh, unemployment assistance in Texas specifically both ran regular unemployment and PUA. No, dude, you've totally committed some kind of fraud.

• 58:11Speaker 02

  Well.

• 58:13Caleb Hammer?

  Yeah, nothing in the state of Texas either. Pandemic UBT, some school, no. What the is happening here? You blew down an ambulance, did you, did you sell the ambulance at least to get some of the money?

• 58:23Speaker 02

  So I sold it to my dad and my dad pays for my car insurance every month.

• 58:28Caleb Hammer?

  What? What's he doing with it?

• 58:30Speaker 02

  I don't know. It's literally just been sitting there for a while.

• 58:33Caleb Hammer?

  What did you get from your dad for it?

• 58:35Speaker 02

  Just, he pays for my insurance.

• 58:36Caleb Hammer?

  For how long?

• 58:37Speaker 02

  For five grand, but neither of us are keeping track. So I'm just hoping he's just like. A little bit, yeah.

• 58:45Caleb Hammer?

  Come on. Come on. So you're receiving money from the government and you did and you got fraud. Let's, uh, ask the age-old question on, uh, financial audit, especially as a contractor or just whatever that you do. Do you pay taxes?

• 59:03Speaker 02

  I have not filed my taxes.

• 59:04Caleb Hammer?

  Haven't filed?

• 59:05Speaker 02

  In the past two years.

• 59:06Caleb Hammer?

  Why? Why?

• 59:09Speaker 02

  Because I didn't have money to go get it filed. One was, one year.

• 59:13Caleb Hammer?

  It's free.

• 59:14Speaker 02

  It was free if you know what you're doing. I don't know what I'm doing.

• 59:18Caleb Hammer?

  But it can go against your return. I like TurboTax and stuff.

• 59:22Speaker 02

  I tried it and it just was difficult, so I just didn't do it.

• 59:26Caleb Hammer?

  That's not how this works. You may have actually gotten money back because you're poor.

• 59:31Speaker 02

  I don't think I got money back.

• 59:33Caleb Hammer?

  Well, you didn't file. So no, you didn't. You didn't give or get.

• 59:37Speaker 02

  Yeah, yeah, yeah. Oh, and then this year I just I'm because I had Medicaid. So like I wasn't gonna

• 59:44Caleb Hammer?

  You had Medicaid?

• 59:45Speaker 02

  So I wasn't gonna get it.

• 59:46Caleb Hammer?

  You choose to quit jobs because you're entitled and we give you Medicaid?

• 59:51Speaker 02

  Yeah.

• 59:51Caleb Hammer?

  Because of your choice.

• 59:52Speaker 02

  Yeah.

• 59:53Caleb Hammer?

  I'm okay with government programs. I really am. For people that fall in hard times, you didn't. You chose to leave. Why would we support someone who's choosing to leave? Wait, that's probably also, why do you get Medicaid? You weren't laid off. You weren't fired.

• 1:00:06Speaker 02

  I got Medicaid when I was working at the apartment complex just because I wasn't making enough.

• 1:00:10Caleb Hammer?

  How many hours a week were you working?

• 1:00:12Speaker 02

  I was working forty hours a week, but according to like

• 1:00:15Caleb Hammer?

  Okay.

• 1:00:16Speaker 02

  all of it, I qualified.

• 1:00:18Caleb Hammer?

  Today?

• 1:00:18Speaker 02

  No.

• 1:00:19Caleb Hammer?

  I mean, because you're just choosing not to work. You're literally, you're like, I won't I'm just paying for my meds out of I'm overqualified for burgers. No, you say I'm overqualified for burgers. So why would I give you assistance if you're not willing to go get a job? Go fuck yourself.

• 1:00:31Speaker 02

  But I am willing to get a job. I'm actively applying.

• 1:00:34Caleb Hammer?

  Not burgers.

• 1:00:35Speaker 02

  Yeah.

• 1:00:35Caleb Hammer?

  You're picking and choosing. If you're picking and choosing, then we should not give you anything.

• 1:00:39Speaker 02

  I am absolutely picking and choosing because it's where I valued.

• 1:00:43Caleb Hammer?

  Good. And we shouldn't value your picking and choosing to give you benefits. Are you on any programs?

• 1:00:49Speaker 02

  Um, no.

• 1:00:50Caleb Hammer?

  Well, okay, you haven't filed taxes in a couple of years, so I don't even know if you could, honestly.

• 1:00:54Speaker 02

  Mm hmm.

• 1:00:55Caleb Hammer?

  You got money from Fast Food, but did you use it for school?

• 1:00:59Speaker 02

  I

• 1:00:59Caleb Hammer?

  Wait, you told me you didn't go to school.

• 1:01:00Speaker 02

  I didn't go to school, but I I just like randomly one day just put in the Fast Food to see if I got money from it this beginning of this year.

• 1:01:06Caleb Hammer?

  This year?

• 1:01:07Speaker 02

  Yeah.

• 1:01:08Caleb Hammer?

  And?

• 1:01:09Speaker 02

  It they they said like I qualified for money. I haven't done anything.

• 1:01:13Caleb Hammer?

  What are we doing? And the United States is and it, we can't manage anything clearly. We just hit our a record number of people out of work in this country, not even just unemployed people, which just aren't even doing anything. And we're just funding that and we're totally okay with it. We're totally okay. No one gives a. We're so done. How much did you get?

• 1:01:33Speaker 02

  Uh, I don't even remember. But I didn't. I didn't actually take the money.

• 1:01:37Caleb Hammer?

  But it said you were qualified for it?

• 1:01:38Speaker 02

  Qualified for it, yes.

• 1:01:40Caleb Hammer?

  Why didn't you? I'm glad you didn't, but why didn't you?

• 1:01:42Speaker 02

  Because I I didn't know if I wanted to go to college or not.

• 1:01:45Caleb Hammer?

  So it was in relation to college?

• 1:01:47Speaker 02

  Yeah. Because I wanted to go for

• 1:01:49Caleb Hammer?

  Were you accepted anywhere?

• 1:01:50Speaker 02

  Forensic psychology, which is Amari College.

• 1:01:53Caleb Hammer?

  Okay, so it was for college?

• 1:01:54Speaker 02

  Yeah.

• 1:01:55Caleb Hammer?

  Oh, well, you made it sound like it wasn't for college.

• 1:01:57Speaker 02

  Yeah, no, yeah, it was for college.

• 1:01:58Caleb Hammer?

  Well, okay, well, then I'm not opposed to it. You you very much made it sound like it wasn't, and you didn't get anything dispersed.

• 1:02:05Speaker 02

  Mm hmm.

• 1:02:06Caleb Hammer?

  Okay. I mean, yeah, you could you could totally scam it by getting like accepted into a community college, which everyone is basically. And then saying you need money, so you borrow money and then use it just in your life. You could totally do that. Don't.

• 1:02:21Speaker 02

  I won't.

• 1:02:22Caleb Hammer?

  But you could. Okay, what do you think your financial score is zero to ten? Zero being the worst, ten being the best.

• 1:02:27Speaker 02

  My financial score?

• 1:02:29Caleb Hammer?

  Zero being the worst, ten being the best.

• 1:02:32Speaker 02

  Two.

• 1:02:34Caleb Hammer?

  Okay, if you want to see where you stand in the world of money, take the Hammer Financial Score Assessment. It is free, just takes a few minutes. And it's new and improved. So if you've done it before, take it now and you can see where you stand in each category. And high level is a detail in what you need to do to improve it. Check it out, Calebhammer.com. And if you don't want to be like a guest who ends up on the show, one, don't be a whore, two, download Dollar Wise. Take the free trial, see if you like it. Tens of thousands of monthly active users for a reason changing their lives like you can right now. And then most of them take the annual version because when you do, you save nearly fifty percent and you get the physical version of our thirty day budget meal plan and the digital version, the cookbook signed by me mailed directly to you. So check that out. You can make food now.

• 1:03:13Speaker 02

  I can cook.

• 1:03:14Caleb Hammer?

  Congratulations. Excel Energy. I'm being told that this is required to pay back before you can even rent an apartment again. Maybe in your own words or what? I don't know. What? Tell me what's going on.

• 1:03:27Speaker 02

  Excel Energy, that's what most apartment complexes go through at least. So I have to pay them.

• 1:03:32Caleb Hammer?

  That's where the rent payment is goes through?

• 1:03:35Speaker 02

  Energy.

• 1:03:36Caleb Hammer?

  This is a utility?

• 1:03:37Speaker 02

  Yeah, utilities.

• 1:03:38Caleb Hammer?

  Oh, in your area, maybe?

• 1:03:39Speaker 02

  Yeah. So like I have to pay nine.

• 1:03:43Caleb Hammer?

  They said that? Oh, so you have to pay that before you can start servicing?

• 1:03:45Speaker 02

  Yes. I can't start servicing.

• 1:03:48Caleb Hammer?

  And you make, dude, if you ride two old PP's, you pay that. And I don't want you to. I'm not advocating, but I'm just saying, why haven't you? Because you live at home. I'm confused.

• 1:03:59Speaker 02

  Because I just like to spend my money.

• 1:04:02Caleb Hammer?

  Well, there you go. So you don't give a, you don't give a getting an apartment.

• 1:04:07Speaker 02

  I do, though.

• 1:04:08Caleb Hammer?

  Hey, don't. You just like to spend money. You're not saving up for a first month, last month. You're not saving up for a security deposit.

• 1:04:13Speaker 02

  I'm just looking for that moment, terribly happiness, you know, when you open a package. Does it not bring you happiness?

• 1:04:19Caleb Hammer?

  A little, I guess. It's a nice little dopamine hit, but I can afford it. You literally owe back pay on energy. And you can't restart a utility payment until you pay it. And you live at home and you're a whore and a So

• 1:04:34Speaker 02

  It's a mutual spoiling. It's not.

• 1:04:37Caleb Hammer?

  Uh huh. What happened? When did this happen?

• 1:04:40Speaker 02

  When did what happen?

• 1:04:42Caleb Hammer?

  The energy, dude, nine hundred.

• 1:04:44Speaker 02

  That was the first, that was the first apartment complex.

• 1:04:49Caleb Hammer?

  Oh, my first ever.

• 1:04:50Speaker 02

  Yeah.

• 1:04:51Caleb Hammer?

  Have you ever been an adult? The the the money you did earn once when you had twenty thousand setting aside was literally getting something in a fraudulent way. Other than that, you've never, and that's not an accomplishment, but other than that, you've never accomplished anything in your life.

• 1:05:05Speaker 02

  I have. I've accomplished a ton of stuff in my life.

• 1:05:07Caleb Hammer?

  Tell me, please.

• 1:05:10Speaker 02

  What? I'm still here. I'm still here.

• 1:05:12Caleb Hammer?

  What? Okay, the basic minimum human accomplishment, staying alive.

• 1:05:18Speaker 02

  Yeah. That's a, that's a big accomplishment in itself.

• 1:05:21Caleb Hammer?

  That's the most basic thing ever.

• 1:05:23Speaker 02

  Yeah.

• 1:05:26Caleb Hammer?

  Really, when I ask you, say you've accomplished a lot, and I ask you, what have you done? That's the one thing you can say. You can't say one other thing.

• 1:05:33Speaker 02

  I I did. I lost about ninety pounds.

• 1:05:38Caleb Hammer?

  Oh, you were a fat?

• 1:05:39Speaker 02

  Yeah.

• 1:05:40Caleb Hammer?

  Okay, show me the before. Let's see.

• 1:05:45Caleb Hammer?

  Huh, well, no, no, no, it's actually really good because I mean, yeah, you look good.

• 1:05:51Caleb Hammer?

  And it's rare that people get to keep the tits, right?

• 1:05:53Speaker 02

  Yeah, because at first I didn't.

• 1:05:55Caleb Hammer?

  I'm sure unfortunately now I'm sure that they go down to your legs, but.

• 1:06:01Caleb Hammer?

  No?

• 1:06:02Speaker 02

  Them posts still perky.

• 1:06:04Caleb Hammer?

  It's actually impressive. Maybe because you did it young enough. I don't I don't know.

• 1:06:07Speaker 02

  Well, she's because I had extra, extra large titties.

• 1:06:13Caleb Hammer?

  Oh, my gosh. Yeah, you were a big girl.

• 1:06:16Speaker 02

  Mm hmm.

• 1:06:16Caleb Hammer?

  Yeah, let's get this and put it on screen. Yeah, not like morbidly obese, but you're definitely big. I'm actually surprised that that is an extra ninety pounds.

• 1:06:25Speaker 02

  I had a roll for sure when I sat down.

• 1:06:27Caleb Hammer?

  Okay, no, I mean, okay, so what that indicates to me is that you're somebody that can stick to discipline of some kind.

• 1:06:34Speaker 02

  Yes, I absolutely can.

• 1:06:35Caleb Hammer?

  Now, why haven't you been able to financially?

• 1:06:40Speaker 02

  Because I don't I don't really know what I'm doing.

• 1:06:43Caleb Hammer?

  Well, how'd you know what you're doing with losing weight?

• 1:06:45Speaker 02

  Because it's simple. You

• 1:06:47Caleb Hammer?

  This is simple. How'd you learn the simplicity of that?

• 1:06:52Speaker 02

  Just, I mean, working out, just you figured it out.

• 1:06:56Caleb Hammer?

  But how'd you learn?

• 1:06:57Speaker 02

  I just figured it out. Like I went

• 1:06:59Caleb Hammer?

  How?

• 1:06:59Speaker 02

  Just going to the gym and doing it.

• 1:07:01Caleb Hammer?

  What about the dieting and everything?

• 1:07:03Speaker 02

  There really wasn't any dieting or anything.

• 1:07:05Caleb Hammer?

  What the fuck is lucky? Okay, so how'd you learn what workouts work and the calorie deficit and all that good stuff?

• 1:07:10Speaker 02

  Just looking it up online.

• 1:07:11Caleb Hammer?

  There you go. Why haven't you done that with this? That's the exact thing I'm trying to say.

• 1:07:19Speaker 02

  I don't know.

• 1:07:20Caleb Hammer?

  It's very basic.

• 1:07:22Speaker 02

  It's just like

• 1:07:22Caleb Hammer?

  You spend less than you make.

• 1:07:26Caleb Hammer?

  That's it.

• 1:07:27Speaker 02

  Yeah.

• 1:07:29Caleb Hammer?

  So why'd you not pay this? This was your first apartment. Why did you not pay it? What happened in that moment?

• 1:07:33Speaker 02

  Um, so I I lived by myself on the apartment complex and then just had like big life incident happen and then I had to

• 1:07:44Caleb Hammer?

  What was your rent?

• 1:07:45Speaker 02

  Uh, rent was eight hundred.

• 1:07:46Caleb Hammer?

  What was? That's so cheap. What was your big life incident?

• 1:07:48Speaker 02

  Just like mental health stuff. And so then

• 1:07:51Caleb Hammer?

  Okay, that happens.

• 1:07:53Speaker 02

  And so then I had to move in with a roommate.

• 1:07:55Caleb Hammer?

  Okay, you had to move in with a roommate?

• 1:07:57Speaker 02

  And then the roommate somehow, I don't know how at all, but five hundred dollars later was like the electric bill.

• 1:08:05Caleb Hammer?

  And why'd you make them responsible for paying the electric bill and not having your eyes on it?

• 1:08:10Speaker 02

  Well, I did have my eyes on it, or so I thought.

• 1:08:12Caleb Hammer?

  Not

• 1:08:13Speaker 02

  Or so I thought. I was keeping up with it and everything was always paid on time. I was never late, never, not once was I late. But then I just lost all my money.

• 1:08:24Caleb Hammer?

  Okay, so when five hundred dollars popped up, why did you not figure out a way to take care of it? Instead, you were just like, no, let me the next years of my life.

• 1:08:31Speaker 02

  Because I was moving in with my fiance and I was like, I don't need it.

• 1:08:35Caleb Hammer?

  Fiance. Oh, my goodness, I can't believe you were engaged. Okay, shit. When was the engagement? What? How old are you when you got engaged?

• 1:08:44Speaker 02

  Uh, the engagement was last year. It ended in January.

• 1:08:49Caleb Hammer?

  Of this year?

• 1:08:50Speaker 02

  Yes.

• 1:08:50Caleb Hammer?

  And you got engaged what month last year?

• 1:08:52Speaker 02

  Um, well, we were together for like eight months. He proposed after five.

• 1:08:59Caleb Hammer?

  Oh, okay. Why'd you get together so quick? Why'd you say yes?

• 1:09:04Speaker 02

  Um, it was just kind of like on the spot. I wasn't ready for it, you know?

• 1:09:09Caleb Hammer?

  So say no.

• 1:09:11Speaker 02

  That's hard. That's that's a hard thing. And I thought

• 1:09:14Caleb Hammer?

  Then you should have been putting yourself in that situation if you literally can't say no.

• 1:09:17Speaker 02

  I I thought, well, it was like I was financially dependent on him.

• 1:09:22Caleb Hammer?

  What the? Why? What were you doing for work?

• 1:09:25Speaker 02

  Well, he wanted me to stay home.

• 1:09:26Caleb Hammer?

  Okay, but you guys weren't married. So why? Why would you be staying home yet?

• 1:09:32Caleb Hammer?

  Were you still fat?

• 1:09:33Speaker 02

  Uh-uh.

• 1:09:33Caleb Hammer?

  Okay.

• 1:09:35Speaker 02

  He just like, didn't want me to, cuz he thought I was going to sleep with my coworkers or sleep with random people. And he just was a really insecure man.

• 1:09:45Caleb Hammer?

  And then why'd you break up?

• 1:09:47Speaker 02

  Uh.

• 1:09:47Caleb Hammer?

  Well, yeah, he said, "Don't [__] my friend," and then you [__] his friend, literally last night.

• 1:09:50Speaker 02

  After.

• 1:09:51Caleb Hammer?

  Yeah, but come on, it's crazy. Are they still friends?

• 1:09:54Speaker 02

  No, I don't think so.

• 1:09:57Caleb Hammer?

  It's crazy. Okay, go on.

• 1:09:59Speaker 02

  And so then, um.

• 1:10:02Caleb Hammer?

  Oh, friends, multiple. You have [__] multiple of his friends?

• 1:10:06Speaker 02

  Yes.

• 1:10:07Caleb Hammer?

  How many?

• 1:10:08Speaker 02

  Three.

• 1:10:08Caleb Hammer?

  Why?

• 1:10:09Speaker 02

  Why not?

• 1:10:10Caleb Hammer?

  That's crazy behavior. You're clearly like, targeting them.

• 1:10:14Speaker 02

  No, they're just like, who I know.

• 1:10:17Caleb Hammer?

  Are they all friends?

• 1:10:18Speaker 02

  Who I know, they, yeah.

• 1:10:20Caleb Hammer?

  Does he know?

• 1:10:21Speaker 02

  No.

• 1:10:22Caleb Hammer?

  Why?

• 1:10:23Speaker 02

  Cuz I didn't tell him.

• 1:10:24Caleb Hammer?

  Did they?

• 1:10:25Speaker 02

  No.

• 1:10:26Caleb Hammer?

  Wh- and you just text him, "Let's [__]?"

• 1:10:29Speaker 02

  No, I was just like, they asked to hang out.

• 1:10:31Caleb Hammer?

  They, okay, they wanted [__] obviously.

• 1:10:34Speaker 02

  Yeah.

• 1:10:35Caleb Hammer?

  If they asked to hang out, you don't hang out and not [__] it, it's clear. Oh, he caught you cheating?

• 1:10:39Speaker 02

  No, I never cheated on him. But when our relationship ended, so what it was, was my coworker had texted me, cuz I did get a job at a vape shop, like by the, towards like, the end of it.

• 1:10:53Caleb Hammer?

  Okay.

• 1:10:53Speaker 02

  And my coworker had texted me. I didn't have his n- his name or his number saved, he had never texted me before. He had texted me, and so then he looks on my Apple Watch, and he sees that there's a guy texting me, and he's like, "You're cheating on me." Like, I know, I was always accused of being, like, cheating on him.

• 1:11:12Caleb Hammer?

  Yes, you're a whore.

• 1:11:13Speaker 02

  I never did. I never did. Never, not once. Whatever. And I just told him, like, "Yeah, I- I'm cheating on you." Just cuz like, I was so emotionally exhausted in that relationship, I couldn't do it.

• 1:11:28Caleb Hammer?

  Because, cuz of all his, like, oversight?

• 1:11:30Speaker 02

  No, cuz he was crazy too.

• 1:11:32Caleb Hammer?

  In what way?

• 1:11:33Speaker 02

  I mean, there was one time where he was like, "You wanna see what real pain looks like?" And he started cutting chunks of skin out of his arm.

• 1:11:40Caleb Hammer?

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• 1:12:23Caleb Hammer?

  for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job while starting from scratch. Click the link below to sign up for one of their free courses today. 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.

• 1:13:07Caleb Hammer?

  The recent historic verdict underscores the consequences of those decisions. Now Morgan & 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.

• 1:13:24Caleb Hammer?

  Every time we get people from West Texas, they're [__] the same. What is happening out there?

• 1:13:29Speaker 02

  Yeah.

• 1:13:30Caleb Hammer?

  What is the desert doing to people?

• 1:13:33Speaker 02

  We're losing our minds, we're losing our minds.

• 1:13:35Caleb Hammer?

  Wait, but then why'd you get back within last month and being told?

• 1:13:38Speaker 02

  Cuz we have such good sex, so I just hooked up with him. We just had the best sex.

• 1:13:43Caleb Hammer?

  You have AIDS.

• 1:13:44Speaker 02

  No, I don't.

• 1:13:44Caleb Hammer?

  There's no way you do.

• 1:13:45Speaker 02

  No, I don't have it.

• 1:13:46Caleb Hammer?

  The amount of [__] people you get?

• 1:13:48Speaker 02

  You're, you're, you're over-exaggerating the number a little bit.

• 1:13:51Caleb Hammer?

  Oh, I'm just going from what you've said. Show me y'all's talking.

• 1:13:56Speaker 02

  Me and him?

• 1:13:56Caleb Hammer?

  Uh-huh.

• 1:13:58Speaker 02

  I don't even know if I have it, so.

• 1:14:01Caleb Hammer?

  I think he deserves to know. I'm gonna call him in the poche, I'll let him know.

• 1:14:03Speaker 02

  Oh, dear God.

• 1:14:04Caleb Hammer?

  When did you [__] his friends?

• 1:14:08Speaker 02

  Like, a month after.

• 1:14:11Caleb Hammer?

  Okay, so it was before?

• 1:14:12Speaker 07

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• 1:14:42Caleb Hammer?

  Were you [__] him last month?

• 1:14:45Caleb Hammer?

  Yeah, pull it, pull it. You can search his name.

• 1:14:49Speaker 02

  Got an attitude problem.

• 1:14:51Caleb Hammer?

  Who?

• 1:14:52Speaker 02

  You.

• 1:14:53Caleb Hammer?

  Oh, yeah.

• 1:14:55Speaker 02

  No, I deleted it.

• 1:14:57Caleb Hammer?

  Your text messages with him?

• 1:14:58Speaker 02

  Yeah, I did.

• 1:14:59Caleb Hammer?

  Why?

• 1:14:59Speaker 02

  Cuz I, I got tired of seeing his name on my phone.

• 1:15:02Caleb Hammer?

  Well, you just rekindled.

• 1:15:04Speaker 02

  Yeah, he called me.

• 1:15:07Speaker 02

  He called me cuz we passed each other, cuz I always have to drive on the road where he lives. And so he, we passed each other, he called me.

• 1:15:13Caleb Hammer?

  Oh wait, you guys went on a trip together too? What the [__] are we doing?

• 1:15:15Speaker 02

  Yeah, so then like randomly, we just like, went on a trip, and we kinda like, I thought we were rekindling, but then he like, ghosted me as soon as we got back.

• 1:15:24Caleb Hammer?

  Dude, he cuts his [__], and why would you wanna be with that?

• 1:15:26Speaker 02

  I, cuz I'm love-blind.

• 1:15:29Caleb Hammer?

  You're [__].

• 1:15:31Speaker 02

  Love-blind.

• 1:15:31Caleb Hammer?

  You're a whore. You owe-

• 1:15:33Speaker 02

  Wrong.

• 1:15:37Caleb Hammer?

  I, I, it's fine. I, I've been a whore, everyone's a whore, it's one of the things, I don't know. Um, $276 in collections for something. I mean, I don't even know what it was for, do you?

• 1:15:49Speaker 02

  $2,000?

• 1:15:50Caleb Hammer?

  276.

• 1:15:53Speaker 02

  That, oh-

• 1:15:54Caleb Hammer?

  Take a look at it, there is a medical one coming that is 2,000, but take a look at that.

• 1:15:58Speaker 02

  Um, that one is from, uh, like, uh, buy now, pay later.

• 1:16:04Caleb Hammer?

  Why?

• 1:16:04Speaker 02

  Those ones got me.

• 1:16:05Caleb Hammer?

  When?

• 1:16:06Speaker 02

  When I worked at the first apartment complex.

• 1:16:08Caleb Hammer?

  Oh my goodness, what were you getting?

• 1:16:10Speaker 02

  Um, hair extensions.

• 1:16:15Caleb Hammer?

  Not even worth it. How many?

• 1:16:21Caleb Hammer?

  Why?

• 1:16:22Speaker 02

  Cuz I, that's when I was filming for Only-

• 1:16:24Caleb Hammer?

  Fuck, so did you ever even make a profit?

• 1:16:27Speaker 02

  Yes, I did.

• 1:16:28Caleb Hammer?

  Bullshit.

• 1:16:28Speaker 02

  I just didn't pay him back.

• 1:16:30Caleb Hammer?

  Yeah, I mean bullshit, we got like, at least over a thousand, $1,300 in bullshit spending last month.

• 1:16:36Speaker 02

  Yeah.

• 1:16:37Caleb Hammer?

  You make 2,000 a month, you're never gonna be able to survive. You're never gonna be able to survive. You just let everything go to collections, so what is, is this a medical thing, 2030?

• 1:16:45Speaker 02

  Yeah, it was just an ambulance ride.

• 1:16:47Caleb Hammer?

  For why?

• 1:16:48Speaker 02

  Cuz I just, I just needed to go, and they said-

• 1:16:51Caleb Hammer?

  Why?

• 1:16:52Speaker 02

  They said you can either ride in the police car.

• 1:16:55Caleb Hammer?

  To you?

• 1:16:56Speaker 02

  I had a moment.

• 1:16:58Caleb Hammer?

  Okay, banging our head against the wall as usual?

• 1:17:01Speaker 02

  Essentially, pretty much, and so then Baker acted me. They said you can either ride in the ambulance or the police car, and I didn't wanna ride in the back of police car, and I didn't think it was gonna be $2,000 for an ambulance ride.

• 1:17:19Speaker 02

  I didn't do anything, it just took me-

• 1:17:20Caleb Hammer?

  When did this happen?

• 1:17:22Speaker 02

  Like, two years ago.

• 1:17:25Caleb Hammer?

  Then why did you never set up even a payment plan or anything?

• 1:17:28Speaker 02

  Cuz it, doesn't it fall off after seven years? Like, medical stuff?

• 1:17:32Caleb Hammer?

  Collections in general, but collections can sue you, and court can garnish your wages from any future job you have.

• 1:17:38Speaker 02

  It's because I wasn't gonna pay $2,000 because I got Baker acted and they took me-

• 1:17:42Caleb Hammer?

  Huh?

• 1:17:42Speaker 02

  To the ambulance.

• 1:17:43Caleb Hammer?

  Because you got what?

• 1:17:43Speaker 02

  Baker acted.

• 1:17:44Caleb Hammer?

  What?

• 1:17:45Speaker 02

  Baker acted.

• 1:17:46Caleb Hammer?

  I don't know what that is.

• 1:17:47Speaker 02

  If you're a harm to yourself or others.

• 1:17:50Caleb Hammer?

  Oh, I don't, I don't, I, okay, well.

• 1:17:52Speaker 02

  Then they take you away, no matter what, and then you have to see a judge.

• 1:17:57Caleb Hammer?

  Did you?

• 1:17:57Speaker 02

  Yeah.

• 1:17:58Caleb Hammer?

  And said you didn't have to pay?

• 1:18:00Speaker 02

  Well, no.

• 1:18:01Caleb Hammer?

  What?

• 1:18:01Speaker 02

  They take you to like, a mental hospital.

• 1:18:03Caleb Hammer?

  Okay. I ain't, I'm need to figure it out. Okay, uh, okay, what do you owe for $1,388 in collections?

• 1:18:14Speaker 02

  Um, that is also just bullshit spending.

• 1:18:19Caleb Hammer?

  Yeah, but what is the account?

• 1:18:20Speaker 02

  Uh, a firm?

• 1:18:23Speaker 02

  It was, uh, I did buy like, a pretty big sex machine.

• 1:18:27Caleb Hammer?

  Machine?

• 1:18:29Speaker 02

  Yeah.

• 1:18:30Caleb Hammer?

  What is that? I've never heard of this.

• 1:18:33Speaker 02

  You can like, suction it to the floor, and then it-

• 1:18:36Caleb Hammer?

  The machine?

• 1:18:37Speaker 02

  The machine, and then you can like, angle it whichever way you want it to go. Then you put on to, you know, like, on top of it, you know, you can either suction something to it, or they have attachments that you can use, and it just [__] you, it just [__].

• 1:18:53Caleb Hammer?

  You are the horniest person, I think.

• 1:18:57Speaker 02

  Yeah.

• 1:18:58Caleb Hammer?

  Can I see what this looks like?

• 1:19:00Speaker 02

  Yeah.

• 1:19:01Caleb Hammer?

  Without you attached to it?

• 1:19:02Speaker 02

  Yes.

• 1:19:05Caleb Hammer?

  So, a [__] machine went to collections?

• 1:19:08Speaker 02

  Yeah. Yeah.

• 1:19:11Caleb Hammer?

  Well, America.

• 1:19:15Caleb Hammer?

  What an interesting time we live in.

• 1:19:18Speaker 02

  It was a great purchase, though, I will say.

• 1:19:21Caleb Hammer?

  You use it constantly?

• 1:19:22Speaker 02

  All the time.

• 1:19:23Caleb Hammer?

  Okay, this is better than getting AIDS.

• 1:19:28Speaker 02

  So it looks like that, but there's more like attachment.

• 1:19:32Caleb Hammer?

  Why would this be something that you're like, yes, let me just bend over in front of this? This is crazy.

• 1:19:37Speaker 02

  And then there's other ones.

• 1:19:38Caleb Hammer?

  On screen.

• 1:19:39Speaker 02

  There's other ones where it's got like, like the rabbit ears and everything like there's just different toys that go with it. You can put like a creature cock on there.

• 1:19:50Caleb Hammer?

  Huh?

• 1:19:51Speaker 02

  A creature cock?

• 1:19:51Caleb Hammer?

  I don't know. Is that like of a?

• 1:19:54Speaker 02

  A cock of a creature, like a tentacle or like there's a?

• 1:19:58Caleb Hammer?

  Why would you want that?

• 1:20:00Speaker 02

  Cause it feels good.

• 1:20:03Caleb Hammer?

  That's so weird. Okay. A hundred ten dollars in collections. What?

• 1:20:09Speaker 02

  That's just another, all of those are buy now, pay later. All of them.

• 1:20:13Caleb Hammer?

  Okay, into your actual spending.

• 1:20:15Speaker 02

  Yes.

• 1:20:15Caleb Hammer?

  So this is stupid. In your checking account, you started with negative seventeen dollars and seventy six cents.

• 1:20:21Speaker 02

  Mm-hmm.

• 1:20:23Caleb Hammer?

  No, that was all your money. Sorry. Negative twenty-two dollars and twenty-four cents ended with negative twenty-two dollars and eighty-five cents. Why? Why start and end negative? Why do this to yourself? You will never leave home. You will never leave home.

• 1:20:41Caleb Hammer?

  I don't even, where's like the spending page? It must be in there, but what the is going on? Why would you spend money if you're negative? Just, just flat out. Where's the logic?

• 1:20:52Speaker 02

  Cause I need gas, I need food.

• 1:20:55Caleb Hammer?

  But so you will never move out.

• 1:20:57Speaker 02

  I will move out.

• 1:20:59Caleb Hammer?

  Align that. Align that with the current situation and tell me how.

• 1:21:02Speaker 02

  Is the current situation right now? No, it's not going very well.

• 1:21:05Caleb Hammer?

  But you're someone who spends more than when they, than they make with almost no overhead. So how the are you gonna survive on your own? You already didn't pay your electricity bill.

• 1:21:12Speaker 02

  I've already survived a month without a job.

• 1:21:15Caleb Hammer?

  Living at home.

• 1:21:16Speaker 02

  Yeah.

• 1:21:18Caleb Hammer?

  How, are you not connecting this? How are you gonna survive on your own? You couldn't last time.

• 1:21:25Speaker 02

  I did, though. I did.

• 1:21:27Caleb Hammer?

  You still owe on your electricity bill from then.

• 1:21:30Speaker 02

  That was only just because I moved in my ex. And so I just, I didn't have a reason to pay the electricity bill.

• 1:21:38Caleb Hammer?

  Morals?

• 1:21:41Caleb Hammer?

  Yeah, we know.

• 1:21:44Speaker 02

  Mutual spoiling.

• 1:21:45Caleb Hammer?

  Yeah, what happens if that eight-year-old dies?

• 1:21:49Speaker 02

  I see what you're saying.

• 1:21:53Caleb Hammer?

  Take credit karma checking account? It's a thing?

• 1:21:56Speaker 02

  Yeah.

• 1:21:57Caleb Hammer?

  Whoa, okay. Did not know. Beginning balance, six seventy-one.

• 1:22:04Caleb Hammer?

  Okay, it's better than last time, but I can't see your ending balance. Well. Oh, uh, one dollars. One, one singular dollar.

• 1:22:19Caleb Hammer?

  More doordashing Walgreens? A lot of morning after pills, I assume those sliding down the throat.

• 1:22:24Speaker 02

  No, I've got a next one on in my arm.

• 1:22:28Caleb Hammer?

  Walgreens, Walgreens, okay, you, you, what are you stopping at Walgreens and getting for two dollars and eighty-three cents?

• 1:22:34Speaker 02

  Like lashes?

• 1:22:37Caleb Hammer?

  You don't care about, you will never survive. You're never gonna leave. You're gonna be a home and a loser forever. Walgreens again, lashes, doordashing, great, great-mer? Great-amer?

• 1:22:50Caleb Hammer?

  Tell, hello?

• 1:22:51Speaker 02

  I don't even know what that is.

• 1:22:52Caleb Hammer?

  Great, great-amer?

• 1:22:53Speaker 02

  Oh, great American cookie.

• 1:22:57Caleb Hammer?

  You're doordashing. Fuck you, dude. Dude, you literally don't have a job and you're doordashing of cookies.

• 1:23:02Speaker 02

  I'm doordashing because I'm hungry and cause I have a piece of shit car.

• 1:23:07Caleb Hammer?

  So, piece of shit car to the drive-through. Piece of shit walk to the kitchen.

• 1:23:14Speaker 02

  But I don't have food there.

• 1:23:17Caleb Hammer?

  Go take your piece of shit car to Walmart and get some groceries.

• 1:23:21Speaker 02

  But then if you don't have gas money and it's at least fifteen, twenty minutes.

• 1:23:26Caleb Hammer?

  How are you telling me you're getting a full tank of gas worth of doordash in one sitting? That doesn't make sense.

• 1:23:31Speaker 02

  It's like twelve dollars to doordash, but?

• 1:23:33Caleb Hammer?

  Get twelve dollars of gas. It'll last you a second.

• 1:23:36Speaker 02

  Exactly, a second.

• 1:23:38Caleb Hammer?

  More than that meal.

• 1:23:39Speaker 02

  But I'm hungry now.

• 1:23:41Caleb Hammer?

  Oh my, dude, you're broke. Okay, good luck, good luck, good, good, good luck. Toot and totem?

• 1:23:47Speaker 02

  That's, I got fountain drink.

• 1:23:54Caleb Hammer?

  Is that more important than living on your own? I don't get it. Here, make your drinks at home. You can get the caffeine-free version or the energy drink version. That's the energy drink version, gamer subs. It's forty cents a serving instead of going and all this bullshit. Yeah, we have our very own financial audit in Caleb Hammer flavor. One out of one hundred, every one hundred purchases will get the one with my face on it, by the way. Eighty cents a serving with my discount code, link in the description below, uh, code Caleb while supplies last. And also, you can get any flavor. Get the free sample, see if you like it. And then she doordashes Chick-fil-A for sixteen dollars and seventy-one cents and instead of getting gas, she doordashes Pizza Hut on the same day, no, the next day, instead of getting gas for sixteen dollars and eighty-five cents.

• 1:24:38Caleb Hammer?

  Alta, and she cakes it all on in one sitting. Dutch Bros for thirteen dollars and thirty-five cents instead of getting gas. She doordashes for fifty-seven dollars and eight cents instead of getting gas.

• 1:24:52Caleb Hammer?

  She doordashes Taco Villa for twenty dollars and seventy-three cents instead of getting gas. She then gets McDonald's for fourteen dollars and one cent instead of getting gas. What's Headhunters for twenty-two dollars?

• 1:25:04Speaker 02

  That is a vape store.

• 1:25:07Caleb Hammer?

  You are a failure in every way, so now you're gonna just your entire body. Sure, why not? What's the one of McDonald's? Nine dollars, no gas. Rosa's Cafe and Tortilla, eleven dollars, no gas. Ending balance, one dollar, twenty-five cents. No shit, you can't get gas? Fuck you. You're telling the producer, this is how you prioritize life. You're telling producers you get money from a man and you immediately go to Walmart for a shopping spree.

• 1:25:34Speaker 02

  Yeah.

• 1:25:34Caleb Hammer?

  That's how you live instead of trying to further your life in any way whatsoever.

• 1:25:39Speaker 02

  I am furthering my life, though.

• 1:25:41Caleb Hammer?

  But not in the way that you want. Long-term, you want out.

• 1:25:44Speaker 02

  Yeah.

• 1:25:45Caleb Hammer?

  But you're not gonna ever leave if that's how you live your life. Debt to brother. Why? How much? How much? Debt to brother.

• 1:25:53Speaker 02

  I've got like five hundred dollars.

• 1:25:55Caleb Hammer?

  For what? I bet you fuck your brother too.

• 1:25:58Speaker 02

  Uh-uh, it's nasty, nasty. Five hundred dollars just because I, I needed it from my phone bill.

• 1:26:05Caleb Hammer?

  Home bill's five hundred dollars?

• 1:26:07Speaker 02

  Uh, it's like three ninety-eight and I was behind.

• 1:26:10Caleb Hammer?

  Switch to helium, dude. Fifteen bucks a line. Helium, fifteen dollars a line. You probably owe on your phone like a dumb. And more. It has, you must owe on like an iPad, watch, earphones.

• 1:26:25Speaker 02

  Yeah. Yeah, I do owe on a couple of different things.

• 1:26:31Speaker 02

  So that's, that's my bad.

• 1:26:33Caleb Hammer?

  You deserve the failure at this point, then. Okay, so when did he do that? You said a couple of months ago?

• 1:26:38Speaker 02

  Yeah.

• 1:26:38Caleb Hammer?

  Do you have a payment plan with him? What's the expectation? Does he live at home?

• 1:26:42Speaker 02

  Uh, he lives in a trailer on the side of the home.

• 1:26:47Caleb Hammer?

  Oh, this is a family of success.

• 1:26:49Speaker 02

  Yeah.

• 1:26:51Caleb Hammer?

  Oh my.

• 1:26:52Speaker 02

  My parents killed it. They absolutely killed it.

• 1:26:56Caleb Hammer?

  They should have fucked you in the womb.

• 1:27:03Speaker 02

  So yeah, he's a musician.

• 1:27:06Caleb Hammer?

  And you make bags.

• 1:27:10Speaker 02

  And we're, we're just creative. We're just a creative little duo.

• 1:27:14Caleb Hammer?

  Oh, you use the Gusta spending account?

• 1:27:16Speaker 02

  Mm-hmm.

• 1:27:17Caleb Hammer?

  That's what you, that's what we use for payroll here. I don't think anyone has taken this as an option.

• 1:27:24Caleb Hammer?

  Cause you can get like cash advance and shit. Uh, which looks like is what you do, right?

• 1:27:30Speaker 02

  Mm-hmm.

• 1:27:40Speaker 02

  It's like I made the money, why not get it beforehand?

• 1:27:44Caleb Hammer?

  Uh, that's, that's not, again, just like anything, because personally on CalebHammer.com, we have like personal loans and debt forgiveness and credit cards and car insurance. I'm not opposed to the concept of any financial service other than like a payday loan. Or like credit one, cause it's fees for existing. I'm not opposed to vast majority of anything else, including even this. But if you can't manage any of those correctly, then I'm dramatically opposed to it. I could use this. Let's pretend, I don't know, maybe I'm going on, I could do it for whatever I wanna do. Cause I know I could manage it and pay it back. You can't, so stop.

• 1:28:28Speaker 02

  Well, it's like when I need the money, I need the money.

• 1:28:34Caleb Hammer?

  I'm being told you smoke weed. Is that true?

• 1:28:36Speaker 02

  Yeah.

• 1:28:36Caleb Hammer?

  How much you, how much money do you spend on that a month?

• 1:28:39Speaker 02

  Probably around like four hundred.

• 1:28:41Caleb Hammer?

  Okay, you need the money? There it is. Stop spending that much money. The world's biggest pothead in this office is Mark, who just literally gasped behind you. You made the biggest pothead of the office gasp.

• 1:28:53Speaker 02

  I get like half, half an ounce every

• 1:28:57Speaker 02

  week or so.

• 1:29:00Caleb Hammer?

  Okay, now he's questioning. Is it just more expensive over there?

• 1:29:04Caleb Hammer?

  That's about, that's about right. Is that a lot? Is that a lot, Mark? It's a lot of weed. That's a lot of weed.

• 1:29:15Speaker 02

  It's like, it's like, it's like this, it's like this in a jar, that's like this big.

• 1:29:20Caleb Hammer?

  That doesn't help me. I just, I don't know what translates. I, I, I don't know. Your parents are okay with what you do for not living, going and riding old dick?

• 1:29:29Speaker 02

  Well, they don't, they don't know.

• 1:29:30Caleb Hammer?

  You live there, they don't know how you get your? Okay, so what are you doing here? Let's see. Ah, Bang Bang Vapers. Headhunters, more vape. Getting pops or energy drinks or whatever. Doordashing Taco Bell, not getting gas, twenty-five dollars. Pop. Doordashing Subway. Pack a sack.

• 1:29:51Speaker 02

  That's a gas station.

• 1:29:52Caleb Hammer?

  Well, five dollars, so you didn't get gas, probably.

• 1:29:54Speaker 02

  I did get gas.

• 1:29:56Caleb Hammer?

  So, okay, twenty dollars for Taco Bell, but great, okay. Toot and totem again, there it is, getting some pop. Headhunters getting some vapes. Afterpay, a hundred dollars. I didn't even see her afterpay. Toot and totem. Headhunters pull up your afterpay. Olive Garden.

• 1:30:13Caleb Hammer?

  Oh, and then that's paying back for the cash advance. Party Stop probably got some bullshit. And yeah, and there's the cash advance, cash advance, cash advance. And we have an Apple Cash account.

• 1:30:26Caleb Hammer?

  Negative almost every month last year. She is me.

• 1:30:35Caleb Hammer?

  This is your after pay. You owe $65

• 1:30:41Caleb Hammer?

  with $7.50 of payment.

• 1:30:46Caleb Hammer?

  We didn't even get a statement for this. Freak.

• 1:30:54Caleb Hammer?

  You have an overdue payment. You owe 65. It's $7 of pay. It's for Walmart. You are just such a. Let me look at your Amazon. Do you buy anything on Amazon?

• 1:31:04Speaker 02

  Yeah.

• 1:31:05Caleb Hammer?

  Let me see your Amazon.

• 1:31:08Caleb Hammer?

  Oh, you pay for Lincoln bio 650 apple bill, apple bill. Getting some drinks and bullshit. Walgreens $51. That has to be morning after. That's a morning after.

• 1:31:18Speaker 02

  What is it?

• 1:31:19Caleb Hammer?

  Walgreens $51.

• 1:31:20Speaker 02

  Oh no, that's just makeup. Skincare.

• 1:31:23Caleb Hammer?

  Suck. DoorDash in the Gavana. Paying for X premium. Into bullshit. Payment out, payment out, payment out, payment. I don't even know what.

• 1:31:32Speaker 02

  You just wanna see what I've ordered?

• 1:31:33Caleb Hammer?

  Yes. DoorDash Chick-fil-A bullshit. Payment out, payment out. I don't even know where that shit's going.

• 1:31:39Caleb Hammer?

  Bullshit, bullshit. Pop, pop. Amazon.

• 1:31:45Caleb Hammer?

  Oh, it's this fake jewelry, makeup forever lash extensions. There's the sex machine. Oh my gosh. For men and women. Well, I guess, yeah, there's bottoms out there, Brandon.

• 1:31:56Speaker 02

  No, cuz they have they have pocket pussy like attachments.

• 1:31:59Caleb Hammer?

  Don't tell me that.

• 1:32:01Speaker 02

  I do.

• 1:32:02Caleb Hammer?

  The I can't, I can't become demotivated. It sucks. Like, I need that. I need to need to go hunt. I can't. Do not. If we take that away from men, we will literally do nothing but stay inside.

• 1:32:17Speaker 02

  No, it gets real technical, like real technical for men.

• 1:32:20Caleb Hammer?

  This is insane. Let's get your budget.

• 1:32:27Caleb Hammer?

  By the way, I'm not against sex toys. I'm not against sex. I don't like charging for it cuz it's degrading. And get you in dangerous situations and it's not good for your life when it's permanent footprint. And if you're addicted to sex toys, just like anything, then it'd be bad. Same with porn and stuff, man. Okay, income, 2,000, I guess. Hopefully you get this job.

• 1:32:48Caleb Hammer?

  Debt payments, $7.50. Not crazy. So do you owe anything to rent while living there? Anything to utilities while living there? Internet?

• 1:33:00Caleb Hammer?

  Okay, food. You say you pay for all that, right? $300. You meal prepping, meal planning.

• 1:33:07Speaker 02

  Am I?

• 1:33:07Caleb Hammer?

  Oh my, yes, or else there's nothing here.

• 1:33:10Speaker 02

  Oh, yeah.

• 1:33:10Caleb Hammer?

  So $300 TP phone. Anything else you need to survive? Tampons, makeup, all the good stuff, $150. Yes. Yeah, you cut. You cut.

• 1:33:21Caleb Hammer?

  Phone bill.

• 1:33:22Speaker 02

  Let's look and see exactly how much it is.

• 1:33:25Caleb Hammer?

  I just need you to get rid of them and switch to helium, man. I really do. It's crazy.

• 1:33:32Caleb Hammer?

  You're past due like 548 on your phone bill right now?

• 1:33:34Speaker 02

  I'm past due 180.

• 1:33:37Caleb Hammer?

  Okay, what's your phone bill?

• 1:33:42Caleb Hammer?

  Brother. Really? Come on!

• 1:33:47Speaker 02

  I think it's like 398.

• 1:33:52Caleb Hammer?

  Medical healthcare. You got copays on a monthly basis?

• 1:33:55Speaker 02

  Um, I pay for, what is it? The

• 1:34:00Speaker 02

  oh shit, what's it called? When you go to GoodRx, GoodRx.

• 1:34:04Caleb Hammer?

  How much a month?

• 1:34:05Speaker 02

  It's 10.

• 1:34:07Caleb Hammer?

  Okay, subscriptions. I'll try to give you like 40 bucks. Do you have some? You have any pets?

• 1:34:17Caleb Hammer?

  Oh, car insurance. How much?

• 1:34:19Speaker 02

  I don't pay for my car insurance cuz my dad pays for it.

• 1:34:21Caleb Hammer?

  Do you have a car payment? What's your car?

• 1:34:24Speaker 02

  It's a 1997 four runner.

• 1:34:26Caleb Hammer?

  Not gonna survive very long. What's the gas, gas, monthly basis?

• 1:34:30Speaker 02

  Um, it's like

• 1:34:31Caleb Hammer?

  Room, drive, drive?

• 1:34:31Speaker 02

  50.

• 1:34:33Caleb Hammer?

  What? Okay.

• 1:34:39Speaker 02

  I've had that car since I was 16.

• 1:34:41Caleb Hammer?

  Sure. How many miles on that thing?

• 1:34:43Speaker 02

  Oh, we are 50,000 away from 300,000.

• 1:34:45Caleb Hammer?

  How many times have you been pregnant in your life?

• 1:34:47Speaker 02

  Zero.

• 1:34:51Caleb Hammer?

  You have 1,000 left over practically. Let's call it 900. Uh, pay off your family, start settling these collections and you can get out of these collections and literally, what the, what the, what? With the 900, you're done in like two months, three months. What do you, what are we, what are we even doing? Stop with the bullshit. With the uh, and with the uh, for money and with the fucking bags. Go get yourself a job. Stay there. Up your qualifications. Start a career. First month, last month. Get a fully emergency fund. Move out! And live your life. This is pathetic. All right, I gotta save this man. I'm gonna call him in the post show and let him know what the she did.

• 1:35:33Caleb Hammer?

  It's gonna be crazy. It's gonna be insane. It's gonna be one of, but let's get the hammer financial score first. Spending in a budget, you overspend. You spend thousand.

• 1:35:42Speaker 00

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• 1:36:06Caleb Hammer?

  Thousands, zero out of 10. Debt, you have collections, zero out of 10. Emergency fund, nothing. Save, zero out of 10. Retirement, nothing. Zero out of 10. Real estate, nothing. Zero out of 10. Get yours at Calebhammer.com. She thought she was the two, she's the zero. See where you are for free at Calebhammer.com. Now join us for Hammer Elite, the post show, an extra 20 minutes, three premium incredible shows every single day, six days a week. You can join on YouTube by clicking the join button or clicking that link or by going to hammerlead.com or downloading the Hammer Elite app. I'll see you guys there. She totally lied to me. She did not delete these messages. I'm gonna go through them now.

• 1:36:37Speaker 02

  So I was simping.

• 1:36:38Caleb Hammer?

  Oh, I see why he's not answering cuz she's spamming him and never responding.

• 1:36:42Speaker 02

  But he texted me that he wanted to hang out not that long ago, so I was confused.

• 1:36:46Caleb Hammer?

  Hi, even though you guys hooked up last month, she had unprotected sex with

• 1:36:53Caleb 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 30 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. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to Calebhammer.com slash apply or click that link in the description below.