Pod Insights Financial Audit $120,000 Of Counter-Strike Debt | Financial Audit About this episode 💰 *ENDING NEXT WEEK* Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP
*MOST INSANE POST SHOW EVERRRR* - I call his brother, and this is the first time he has heard his voice in YEARS- they are suing each other for hundreds of thousands of dollars, and I could not believe this one... watch here: ➡️ https://bit.ly/chpostshow
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
Master Your Money with Caleb Hammer
=============================
⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer
⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch
=============================
*Check Out My Resources*
=============================
👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb
👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb
👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/
👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer
👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer
=============================
*Chapters*
=============================
00:00 Intro
01:32 He Did WHAT?!
04:45 He Does Seem Like A Side Hustle Type Of Guy
08:19 Suing Family Is Kinda Wild lol
13:55 Job & Income
14:40 "Mental Crisis".. Grow Up
20:00 Okay, So He's Kinda Dumb
26:45 CS:GO Gambling Is A Plague
29:45 We're Not Getting The Full Story
40:50 Side Hustle Mentality Needs To Be Studied
49:30 Blaming America For CS:GO Purchases Is Wild
01:00:26 How To Not Grow 101
01:10:00 That's Not Our F*cking Fault
01:16:00 Completely Valid Reaction From Caleb
01:23:20 Sir, That's A Loan.
01:28:00 That's A Financial Audit First lol
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
=============================
*Connect with me!*
=============================
TikTok: https://www.tiktok.com/@calebhammercomposer
X: https://x.com/sircalebhammer
IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/
=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply
*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.
Sponsorship and business inquiries: [email protected]
Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 17,814 words · 7 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
0:31 Speaker 01 Low energy, unfocused, foggy? You might be dehydrated. Whether it's hot yoga, over 100 degree weather, or too much sun. Gator Light, with a specialized blend of five electrolytes, was scientifically designed to help move fluids into the body faster for rapid rehydration. Shop now at retailers nationwide. Gator Light hydrates faster than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.
0:59 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. It is crazy to impregnate an 18-year-old and then leave.
1:05 Speaker 03 She's just graduated high school.
1:07 Caleb Hammer? Just hear how that sounds. I know, it sounds terrible. Are we not hearing how this sounds?
1:11 Speaker 03 I come from Switzerland and the legal age limit over there is 16, which I thought was weird.
1:19 Caleb Hammer? Dollars. What's going on with this card, dude?
1:22 Speaker 03 Uh, CS skins.
1:24 Caleb Hammer? What is wrong with you? Why do that? You have a child and you're not even a fucking liar! Next week is the final week. Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand-new 30-day detailed budget meal plan, signed by me and mail directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.
2:06 Speaker 03 Hi, my name is Chuck. I'm 30 years old. I'm from Phoenix, Arizona, and I'm here to get my ass chewed.
2:15 Caleb Hammer? Not, okay, well, I'm not doing that.
2:18 Caleb Hammer? Um, that's a different show. Uh, I will yell at you. I will roast you. I will not eat your whole. So, listen, man, uh, I go in blind. I say that every episode and it is true. I did a little peek over, a little peek over to my document here. I wanted to see what was going on with Mr. Chuck and I have girlfriend got pregnant. I broke up with her so I can play more Counter-Strike. Of which apparently is also where all your money is going. Um, breaking up with a pregnant girlfriend who you knocked up to play CS:GO is an interesting strategy
3:03 Caleb Hammer? that I don't think I've witnessed in real life before. Yet, here we are. What the is wrong with you? Here's the ass chewing you wanted. What the is wrong with you?
3:14 Speaker 03 Going really deep. Um, so, I, I mean, I fucked up. I was going through a lot of emotional states at that time.
3:22 Caleb Hammer? At what time? When you impregnated someone or when you left to play Counter-Strike?
3:27 Speaker 03 Uh, in between. I had a family business I was working on with my brother. Uh, we're kind of-
3:33 Caleb Hammer? Is that making skins for Counter-Strike?
3:36 Speaker 03 No, no, we're, uh, we're doing more of, uh, uh, pressure washing and stuff like that. And we went through-
3:42 Caleb Hammer? When was this?
3:44 Speaker 03 This was, uh, two years ago right now. So, 2024.
3:48 Caleb Hammer? Which means you were 28. How old was she?
3:50 Speaker 03 19.
3:51 Caleb Hammer? Correct answer, 18. But, yes. I don't know what that changes. It doesn't make it any less legal, by the way.
3:59 Speaker 03 I, I mean, yeah, our 10-year difference is quite a bit. And so-
4:03 Caleb Hammer? Does nine change things that dramatically?
4:05 Speaker 03 Uh, she was on the border of turning 19, so-
4:08 Caleb Hammer? Wow. Okay. Well, I'm glad you don't use that excuse for 17-year-olds.
4:12 Speaker 03 Oh, no.
4:13 Caleb Hammer? Yeah, she was on the border of 18. She was on the border of child to teenager.
4:18 Speaker 03 Oh, man.
4:18 Caleb Hammer? It's not like, I don't like, I don't think we use the border.
4:22 Speaker 03 Yeah.
4:22 Caleb Hammer? Excuse. You're on the other side of the border. You're still in Mexico. You're not all of a sudden in the US.
4:28 Speaker 03 Yeah.
4:29 Caleb Hammer? Uh, okay. Well, that was good. But how long were you dating her? Correct answer, please, before she got knocked up? Correct answer, please.
4:37 Speaker 03 Six months.
4:38 Caleb Hammer? Hmm.
4:39 Speaker 03 We moved, I moved in pretty quickly with her and her family.
4:42 Caleb Hammer? How on the edge? You moved in with an eighteen year old's family?
4:47 Speaker 03 Yeah.
4:47 Caleb Hammer? At twenty eight?
4:48 Speaker 03 Yeah.
4:51 Speaker 03 I was living with my parents.
4:52 Caleb Hammer? And you left to play CSGO?
4:57 Caleb Hammer? What the?
4:59 Speaker 03 Yeah.
4:59 Caleb Hammer? What the fuck? No, no, no, just what the?
5:02 Speaker 03 Yeah, I, I mean, there's more to the story, so I, I'll go through it right now for you.
5:09 Caleb Hammer? Please.
5:10 Speaker 03 I had a pressure washing company with my, with my brother.
5:14 Caleb Hammer? Of course you did, a pressure washer. Good. Are you doing car detailing next?
5:19 Speaker 03 Yeah.
5:20 Caleb Hammer? Actually?
5:21 Speaker 03 That's the next subject that I was gonna go into and, uh, hopefully. But I got investors for it.
5:28 Caleb Hammer? Oh, investors to detail cars. Okay, yeah, keep going. Okay, yeah, sorry. Sorry, sorry, sorry. We'll get into that, I assume. But yes, you were with a, uh, yep, you and your brother had a pressure washing business while you were pressure washing the inside of an eighteen year old's vagina. Continue.
5:47 Speaker 03 Yeah, I had a pressure washing company with my brother. It blew up pretty good and went on a local news.
5:55 Speaker 03 And we got booked out six months.
5:59 Caleb Hammer? Sorry.
6:03 Caleb Hammer? No, no, that's very good. That's very good. Local news, that's, I'm sorry, that's, that's so rude of me. That's so rude of me. I'm not trying to be rude.
6:11 Speaker 03 Our Fox like local news network, so.
6:14 Caleb Hammer? Yes, yes, I, I know, I know what local news is.
6:17 Speaker 03 Yeah.
6:17 Caleb Hammer? I don't think.
6:20 Caleb Hammer? Yes, please.
6:20 Speaker 03 And it blew up from there. It went over six months, um, of being financially like booked and prepared and everything with our job sites.
6:29 Caleb Hammer? On my hometown's local news, uh, NBC station, when our marching band played a couple of notes correctly. I think they interviewed us if I'm not mistaken. But I was on the station, man.
6:42 Speaker 03 Yeah, yeah.
6:43 Caleb Hammer? They ran that, our local Portage Northern High School football team beat Portage Central and they made sure to cover that story. I'm sorry, I'm being rude. Please, continue. You got covered by the local news.
6:54 Speaker 03 And we.
6:55 Caleb Hammer? Fox specifically.
6:56 Speaker 03 Yeah, and we blew up from there. Uh, so we were doing pressure washing, solar panel cleaning, window cleaning, all the bases and. We're doing great, making quite a bit of money every year.
7:07 Caleb Hammer? Would you like to define what any of that means? Cause like.
7:10 Speaker 03 We surpassed a hundred thousand dollars.
7:13 Caleb Hammer? Okay. I was just expecting a lot more for blew up.
7:17 Speaker 03 Well, for a side job.
7:19 Caleb Hammer? Yeah, sure. For a side job, but when you use such intense language as blow up for a metro like Phoenix, which is in the top 10 metros, what is it like number six or something in population? Like it's huge. When I hear blow up a hundred thousand, not bad. I am not knocking a hundred thousand, but when you use that kind of language, where do people's minds go? I was thinking minimum half a million, maybe quarter million. So a hundred, we, we, we, okay, okay.
7:45 Speaker 03 So as side, as side jobs, so doing that, what four hours a day for five days a week? That's pretty good money.
7:51 Caleb Hammer? I'm not saying it's bad. I'm just how you positioned it suggested something different, but continue.
7:56 Speaker 03 And we, we did that for our first year, our second year, we did, uh, you know, a hundred and 80,000.
8:02 Caleb Hammer? Okay.
8:03 Speaker 03 Went into expenses.
8:04 Caleb Hammer? I don't know how this gets to, uh, knocking up an 18 year old. I am, I'm, I'm waiting for that one with you guys, but continue. You made a hundred eighty, the second year.
8:13 Speaker 03 Second year and then, uh, third year, we're on a roll to go over a quarter million.
8:18 Caleb Hammer? Okay. And where was she at this point? Was she 16, 15? Like where, where are we starting to track her?
8:23 Speaker 03 We're at nineteen, seven months pregnant and that's when I left because of all the stress.
8:29 Caleb Hammer? Year three?
8:30 Speaker 03 Huh? Yeah.
8:31 Caleb Hammer? And year three of the business. So you knocked the woman up. Well, first of all, you already lived with her.
8:36 Speaker 03 Yeah.
8:37 Caleb Hammer? Making a hundred eighty thousand hours a year. It's curious. Okay. So your business is booming.
8:41 Speaker 03 Yeah.
8:42 Caleb Hammer? We're doing well.
8:43 Speaker 03 We're putting all money back into the business.
8:46 Caleb Hammer? We move in with an 18, okay. What money are you putting back into a business cleaning windows?
8:50 Speaker 03 All of it. Advertising.
8:52 Caleb Hammer? A lot of Clorox.
8:53 Speaker 03 I mean, advertising, uh, getting everything prepped for the business as in my brother handled all the finances. Well, he decided.
9:00 Caleb Hammer? Getting paid?
9:02 Speaker 03 Uh, essentially no.
9:04 Caleb Hammer? Essentially no or no?
9:05 Speaker 03 No, uh, I got paid legally, like close to eight grand.
9:09 Caleb Hammer? What do you mean legally?
9:11 Speaker 03 Cause we went through a lawsuit and that was, um, what I was able to find out my statements of how much the business actually paid. Yeah. My brother and I sued each other for the business.
9:20 Caleb Hammer? Are we doing?
9:21 Speaker 03 Uh.
9:21 Caleb Hammer? While she was pregnant or before?
9:23 Speaker 03 Uh, while she was pregnant. So my brother.
9:25 Caleb Hammer? How'd you find her?
9:26 Speaker 03 Huh?
9:27 Caleb Hammer? How'd you find her?
9:28 Speaker 03 We worked together at a. At a store.
9:31 Caleb Hammer? What kind of store?
9:32 Speaker 03 Uh, Wal- Walgreens. I was, uh, working in the pharmacy manager. She worked at the front end and the manager decided to
9:40 Caleb Hammer? Uh huh.
9:41 Speaker 03 Get us together.
9:42 Caleb Hammer? Um, okay. And we started meeting in the store room?
9:46 Speaker 03 I, I, no, no, we just.
9:47 Caleb Hammer? No, you didn't once at Walgreens? Bullshit. Okay. Either way. So, okay.
9:53 Speaker 03 October happens. My brother and I got in an argument and, uh, we, uh, he kicked me out of the business essentially. I was forty nine percent. He was fifty one percent owner.
10:02 Caleb Hammer? Okay. Sounds like, that's fair enough.
10:05 Speaker 03 And, uh.
10:06 Caleb Hammer? He can't kick your minority share out of the business, but he can get you out of the building.
10:10 Speaker 03 Uh, yeah. So I didn't have access to anything.
10:12 Caleb Hammer? That's fair.
10:13 Speaker 03 Of it and.
10:14 Caleb Hammer? Relatively. I mean, you would have rights, uh, to, uh, to, you know, uh, revenue and different analytics. But in terms of actually going there and doing shit, not necessarily.
10:25 Speaker 03 No. And so he kicked me out. Um, the only thing I had access to was the.
10:29 Caleb Hammer? What was y'all's fight?
10:30 Speaker 03 Uh, he just didn't think I was working enough. And so.
10:34 Caleb Hammer? Probably. What did you say? Ten hours a week? Is that what I heard?
10:36 Speaker 03 Well, Monday through Friday and then the weekends, if I had my.
10:39 Caleb Hammer? How many hours a week?
10:40 Speaker 03 Uh, if you count the weekends, we're probably doing sixty hours a week.
10:45 Caleb Hammer? You, not we're, you, how much?
10:47 Speaker 03 Sixty hours a week.
10:48 Caleb Hammer? And he says that wasn't enough.
10:49 Speaker 03 Uh, according to him, yeah.
10:50 Caleb Hammer? Uh, I'm skeptical. I would love to hear the, uh, other side of this story.
10:56 Speaker 03 Yeah. I, I mean, I wish you can talk to him too. That would be great.
11:00 Caleb Hammer? Well, I might try. We'll see. I'm pretty good at that part. Okay. So great. I'm still, I mean, I'm still very confused why you knocked her up though, because that is like the big part of this story.
11:13 Speaker 03 That was another thing. I, I've been told multiple times by doctors, I couldn't. I had, uh, infert- I was infertile. So.
11:23 Caleb Hammer? To sperm count?
11:23 Speaker 03 Yeah. Uh, no, just dead sperm. Yeah. I was shooting blanks.
11:29 Caleb Hammer? But yeah, you.
11:30 Speaker 03 So I was always told I, yeah.
11:32 Caleb Hammer? Shit. So there was no protection on either end?
11:34 Speaker 03 No.
11:35 Caleb Hammer? Okay.
11:37 Speaker 03 Which thankfully.
11:39 Caleb Hammer? How did her parents feel about a 28 year old moving into that 18 year old house?
11:44 Speaker 03 As long as I was treating her all fairly and like with everything.
11:48 Caleb Hammer? Honestly, I, I, I'm not really on the performative Twitter TikTok side. I really don't give a, you know, whatever consensual adults want to do. I don't give a shit. Obviously I'm, I'm digging in on you a little bit, but it is crazy to impregnate an 18 year old and then leave.
12:02 Speaker 03 Yeah.
12:02 Caleb Hammer? And also a little skeptical that you guys weren't talking at all before that age was.
12:09 Speaker 03 She was, she's just graduated high school.
12:12 Caleb Hammer? Do you just hear how that?
12:13 Speaker 03 I, I know. It sounds terrible.
12:14 Caleb Hammer? Are we not hearing how this sounds?
12:16 Speaker 03 She graduated high school, 18, legal. I.
12:24 Speaker 03 I come from Switzerland and the legal age limit over there is 16, which I thought was weird. And so.
12:29 Caleb Hammer? You don't want to start pulling that card, man. I mean, I don't know what it is in Arizona. Like it's different all over the country. There's 16 here as well, in different parts of the country. It's 17 in other parts. It's 18. I don't think it's below 16 anywhere, but sure. Like I, it doesn't necessarily matter, but the 28 to 18 is.
12:49 Speaker 03 Yeah, it's, it's a high number. 10 years is quite a bit. And, um, I mean, it'll look different when I'm 38 and she's 28.
13:00 Caleb Hammer? No, but you got an 18 year old pregnant.
13:01 Speaker 03 I understand that.
13:02 Caleb Hammer? Pregnant.
13:03 Speaker 03 I know.
13:04 Caleb Hammer? Is she still pregnant?
13:05 Speaker 03 No, no, we, our son is now 15 months.
13:07 Caleb Hammer? Oh, it was born. Oh, he was born. Oh, whoa. Why did you leave her after knocking her up to play some CS:GO? Because your brother sued you.
13:15 Speaker 03 Uh, so I was going through emotional, uh, emotional crisis and.
13:21 Caleb Hammer? Well, I don't really give a when there is a woman you've impregnated with a baby. Show me a picture of her.
13:26 Speaker 03 Of her?
13:27 Caleb Hammer? Yes.
13:29 Caleb Hammer? So we're risking our entire fucking life for here. What are we doing? What are we doing? Okay, we have some bets going on in our little chat document here about her race.
13:40 Speaker 03 What do you guys think?
13:41 Caleb Hammer? Fifty bucks on Mexican currently.
13:43 Speaker 03 Okay. Who's winning that race?
13:46 Caleb Hammer? I don't know. That's the only bet that's been done. No one has countered that bet.
13:51 Speaker 03 I live in Arizona, so what else do you think is there?
13:55 Caleb Hammer? White people, Asian people. I don't know. Everyone's everywhere.
13:59 Caleb Hammer? Native Americans. No, I don't think so. Mexican?
14:06 Caleb Hammer? Okay.
14:09 Caleb Hammer? Hmm.
14:12 Caleb Hammer? Okay. Yeah, sure, why not? I mean, okay, um, okay.
14:20 Caleb Hammer? This is like, could have found anyone that looks like her that was your age?
14:25 Caleb Hammer? Um, okay, okay. This is like, I'm just like.
14:29 Speaker 03 Everyone has their types and I have.
14:31 Caleb Hammer? Elderly looking Mexicans. Is yours? Okay, that's fine. Maybe the birth did a number on her. I don't know. Okay, so it's fine. It's fine. So what are you doing in this kid's life?
14:44 Speaker 03 Yeah, I, I see my son every day I'm off work, so I.
14:49 Caleb Hammer? What do you do now?
14:50 Speaker 03 I work in the, in the hospitals, in the ED. I'm a med rec, so I go up to patients and ask them what medications they take and get a document of history and make sure that's how we follow through. Yeah.
15:02 Caleb Hammer? Okay, what do you make?
15:03 Speaker 03 Um, seventy six thousand a year this past year I surpassed.
15:08 Caleb Hammer? Not bad. Pretty good for Phoenix. I'm happy to hear that. What hits your account on a per paycheck basis?
15:13 Speaker 03 Uh, four thousand or sorry, two thousand a paycheck.
15:17 Caleb Hammer? So four thousand a month?
15:18 Speaker 03 Yeah.
15:18 Caleb Hammer? Now, how do you support this child at all? Do you? Does he live with you ever? You just see him? You just go over?
15:23 Speaker 03 I just go over, take him.
15:24 Caleb Hammer? You leave her. You said you're going through hard times. Was that the suing?
15:28 Speaker 03 That was a suing, yeah, so.
15:29 Caleb Hammer? Okay, well, I'm getting sued. I don't give a fuck. You just knocked up a woman.
15:33 Speaker 03 I couldn't afford.
15:33 Caleb Hammer? You support the woman. Oh, great. That's even better for her. So just completely leave her. What?
15:39 Speaker 03 So I, we went through a mental crisis. I went through a mental crisis of trying to figure out what to do. I, my brother and I were in an argument.
15:48 Caleb Hammer? By the way, is take care of your kid, but go ahead.
15:50 Speaker 03 Yeah, and I, and I want to take care of my kid. I was there for his birth and.
15:54 Caleb Hammer? Oh, you were there for his birth?
15:55 Speaker 03 Hey, a lot of dads aren't. Yeah, that's what I see in the hospital. It sucks.
16:02 Caleb Hammer? You met the basic requirement.
16:04 Speaker 03 No, I'm gonna be in my child's life for sure.
16:06 Caleb Hammer? Being in your child's life, by the way, is the note that I got is you give him 150 bucks a month to support them. But she gives you 400 hours a month to help you pay your bills. That's you.
16:20 Speaker 04 Low energy, unfocused, foggy, you might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body. With a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.
16:49 Caleb Hammer? In your child's life.
16:51 Speaker 03 So I'll, I'll go through my brother's situation, my brother, uh, family business situation. So my brother and I were just in a disagreement. I got kicked out of the business. I held off the social media accounts because they were in my name. And he wanted them back. He ended up taking, taking, going through Verizon and taking out my personal phone number from the business, even though I was the one, the main holder on it. And he somehow he got access to it.
17:17 Caleb Hammer? Well, he's the majority owner. I mean, he can.
17:19 Speaker 03 So since he canceled that, that phone number and it got taken right away after Verizon, uh, all the social media accounts from the business got locked out because you needed the, uh, two, like the second, uh,
17:33 Caleb Hammer? Sure.
17:34 Speaker 03 Second login and from that.
17:36 Caleb Hammer? This led to a mental breakdown, not being able to get into your social media?
17:39 Speaker 03 Getting sued from him.
17:41 Caleb Hammer? What did he sue you for specifically?
17:42 Speaker 03 Uh, for the rights of all the social medias and getting me out of the business fully for my 49%.
17:48 Caleb Hammer? And?
17:49 Speaker 03 And, uh, it was a shitty time. I didn't have, uh,
17:51 Caleb Hammer? Did he win?
17:53 Speaker 03 No, I, it was mutual because we went through each other's lawyers and it was a lawyer shared, uh, talk. And I couldn't find a lawyer that without.
18:02 Caleb Hammer? Find a lawyer?
18:03 Speaker 03 No, because I didn't know what I was doing. I was going.
18:05 Caleb Hammer? Lawyers everywhere. You use Google. What do you mean?
18:07 Speaker 03 I was going through lawyers and each of them wanted, uh, $500 upfront for consultation.
18:12 Caleb Hammer? Yeah, welcome to lawyers.
18:13 Speaker 03 And I didn't have the money for that. And I finally found one and it was really good. He charged me upfront a thousand bucks and he said he will take care of it all. And I put that on a firm.
18:26 Speaker 03 Because I didn't have money because my son was born.
18:29 Caleb Hammer? I mean, to sue her brother.
18:30 Speaker 03 My son was born and then my time off from work to do paternity leave was in January. And at that time, the company then, uh, literally right when January hit, they changed their policy on paternity leave and there was no payout.
18:43 Caleb Hammer? Okay, what settlement did you guys get? That's all I care about. What ended? What ended? I still don't find it excusable to leave your son's life and the woman you impregnated just because you're going through a hard time. I can be with you and hold your hand and cry with you that you went through a hard time. We don't abandon the fucking person we impregnated, especially someone who, I mean, if we're being real, people are maturing less these days because our Gen Z is the first generation in long lines of generation with a technical lower IQ score than the previous generation. So they're, it's unfortunate that that has happened, but it is unfortunately now scientifically proven. So yeah, they need a little extra help.
19:24 Speaker 03 Yeah. And so, not really. She's, she's smart. She's going to school.
19:28 Caleb Hammer? I'm sure she is.
19:28 Speaker 03 She's going to be a medical grad, so.
19:31 Caleb Hammer? Yeah, I was joking, dude.
19:32 Speaker 03 I know you're joking.
19:33 Caleb Hammer? But even still, they do mature a little less. So, but, so you abandoning someone at 18 years old that you just got impregnated just because you're going through a hard time is not fair at all.
19:42 Speaker 03 No, it wasn't fair at all. And I, and I'm deeply sorry that I even did that to her and I, I truly am.
19:49 Caleb Hammer? Uh huh.
19:50 Speaker 03 And so.
19:50 Caleb Hammer? This is why you get $400 a month from her and only give her 150, great. So tell me, what was the settlement?
19:56 Speaker 03 Uh, settlement was, uh, 18,000. So.
19:59 Caleb Hammer? In whose direction?
20:00 Speaker 03 In my direction.
20:01 Caleb Hammer? So he paid you 18?
20:02 Speaker 03 Yeah, to pay me out of the business and give him all the socials.
20:05 Caleb Hammer? How's the business doing?
20:06 Speaker 03 Uh, I don't know. He blocked me on all socials, so I can't even see it.
20:09 Caleb Hammer? You haven't looked anywhere?
20:12 Speaker 03 I, I mean, whatever you post online, I don't know how old it is or how new it is. I know he made a new business. And I'm assuming the new business costs about $180,000.
20:21 Caleb Hammer? To start?
20:23 Speaker 03 Uh, his new business, yeah.
20:24 Caleb Hammer? I don't really give a fuck about him. Okay, that's great. Well, maybe I'll try to call him at some point. We'll see.
20:28 Speaker 03 Yeah. I want to try suing him again because he did break up. He broke his contract.
20:32 Caleb Hammer? How?
20:33 Speaker 03 In the contract, there was, uh, there was no, um, he couldn't use any. Photos or images of me in advertising or anything and they're still images of me on the website.
20:43 Caleb Hammer? Were they previous?
20:44 Speaker 03 Yeah, and he was supposed to take it all down. It was all within the documents.
20:48 Caleb Hammer? Maybe.
20:48 Speaker 03 And so I want to sue him again, but this time for $750,000.
20:51 Caleb Hammer? Yeah, suing people's fun. I love it.
20:53 Speaker 03 Yeah.
20:53 Caleb Hammer? Internet, it's about.
20:54 Speaker 03 Do I pay for my lawyer?
20:55 Caleb Hammer? Nope. Why the would I pay for your lawyer?
20:58 Speaker 03 Cause I was gonna give you whatever half of that payout was.
21:01 Caleb Hammer? It's gonna be like a 2,000 hour win. He's just gonna like delete pictures. Like, I don't know. It's gonna, it's gonna probably gonna cost more to sue him than you're gonna get.
21:08 Speaker 03 Well, I was gonna sue him for 750,000.
21:11 Caleb Hammer? How do you do you get to that number?
21:12 Speaker 03 Cause he has a multimillion dollar home.
21:15 Caleb Hammer? How did you get to that number? What's his equity? Like, I don't know.
21:18 Speaker 03 It's crazy, cause his, his family makes so much money.
21:23 Caleb Hammer? His family?
21:24 Speaker 03 Uh, she's a, uh, his wife's a pharmacist.
21:26 Caleb Hammer? But you're suing the.
21:28 Speaker 03 I'm suing him and I don't know what he did with.
21:31 Caleb Hammer? Well, good luck with that. I feel like, you know.
21:36 Caleb Hammer? Hmm. I mean, maybe you guys will settle for something, but I feel like a jury's getting here then. They're gonna kind of laugh out of the water. Uh, I, it's just when you have those crazy expectations. You remember when Elon Musk like called that diver from the UK who lived in Thailand who wanted to help the kids like a pedo?
21:56 Speaker 03 Yeah.
21:56 Caleb Hammer? Remember that? The dude sued him for defamation. It was going pretty well. And then the number that they asked in the end in court was like an insane amount of multi millions of dollars. And then the jury kind of heard that and like, oh, it's kind of a cash grab. And then the jury sided with Elon. They you're gonna by asking for an insane amount of money. It makes no sense. I don't, I don't really understand. Like it's this, okay, whatever, whatever. Okay. So the kid was born. Did you ever get back with her? Are you back with her?
22:19 Speaker 03 Uh, we're working on getting back together and.
22:21 Caleb Hammer? Really?
22:22 Speaker 03 Yeah. Uh, I.
22:24 Caleb Hammer? What is working on getting back together? Does she know this?
22:27 Speaker 03 Yeah. Um, we're getting back together and, uh, going from there to, you know, I, I want to be in my child's life and I do.
22:34 Caleb Hammer? Yeah, but does she want to get back together with you?
22:36 Speaker 03 Yes. Yeah, she's always wanted to ever since I left.
22:39 Caleb Hammer? Even though you game for 80 hours a week?
22:41 Speaker 03 Yeah.
22:41 Caleb Hammer? And you left to game for 80 hours a week? You literally left her, got kicked out of the business and started gaming for 80 hours a week. Why would she want that back in her picture? I wouldn't want that back in her picture. That's kind of a pathetic move of a man, of a dad. That's not someone I would ever trust again. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far.
23:26 Caleb Hammer? 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. That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Oddity and get free money at the same time. Who would have thought? That's incredible.
24:11 Caleb Hammer? Check it out, link in the description below. Sign up for Chime, get that $350 right now in your checking account.
24:18 Speaker 03 I, I mean, if I was with my son again, it would be different and...
24:22 Caleb Hammer? Maybe, I don't know. You left to play 80 hours a week, playing until 2 AM. Even six AM sometimes.
24:30 Speaker 03 Yeah, six AM after work. Yeah, usually that's when I play and then on my days off, I.
24:35 Caleb Hammer? That's not the kind of person I would be allowing in my life.
24:39 Caleb Hammer? I don't know. Why am I also being told for what it's worth that your parents were siding with your brother, not you?
24:44 Speaker 03 I came home one day to I came to my parents' house and to see and they got a new couch and I asked them where they got the couch. And this was during the lawsuit and they said, your brother got it for us. And I was like, oh, okay. So you guys are and telling my mom, like everything that's going on. She's like, oh, he's not going to sue you. He's not going to do this. And I show her and he's like, oh, it's it's nothing. Don't worry about it. And then she didn't believe me at all. And she decided with like anything my brother does in her eyes was correct. And that's how I felt. And so I kind of like left my whole family. They don't have my number. They don't know where I live. They didn't even.
25:23 Caleb Hammer? Why? That doesn't really.
25:25 Speaker 03 So I don't even have.
25:27 Caleb Hammer? Why? Why did you go to such an extreme stuff? I understand your brother, but your parents, I mean, I would understand them wanting to love both children.
25:33 Speaker 03 Yeah, but she didn't want to side with me or hear anything from what I had to say.
25:38 Caleb Hammer? Maybe he's right, dude. We haven't heard his side.
25:41 Speaker 03 No, you haven't.
25:42 Caleb Hammer? You acknowledged that you were going through a hard time. You were probably a complete disaster.
25:47 Speaker 03 Yeah.
25:47 Caleb Hammer? Maybe you were worthy of trying to get out of the business.
25:50 Speaker 03 I mean, I wasn't trying to get out of the business. I wanted to.
25:52 Caleb Hammer? No worthy of him trying to get you out of the business.
25:57 Caleb Hammer? Of him wanting you gone. Gaming for 80 hours a week. No shit.
26:02 Speaker 03 No, I wasn't gaming.
26:04 Caleb Hammer? Uh huh.
26:05 Speaker 03 I was mainly working, but.
26:07 Caleb Hammer? Yeah, but your mom just reached out via Facebook recently. What are you gonna do?
26:11 Speaker 03 I I haven't answered the call.
26:14 Speaker 03 So I don't know anything that's going on with my parents right now.
26:18 Caleb Hammer? That's weird. The parents thing's a bit weird, man. That's a little toxic on your end. Like I kinda, I understand the feeling, but not even having and willing to have a conversation over a year later is kind of weird.
26:29 Speaker 03 Yeah, it's just not something I want to get in with them and. You know, I
26:34 Caleb Hammer? Okay, so you abandoned your child trying to get back to her gaming eighty hours a week, stay up until six AM. You know, I mean, you are making a good career income on your own, but not only that, listen, she's giving you four hundred dollars a week or a month to survive, but you're spending five hundred dollars a week on Counter-Strike skins and bullshit.
26:52 Speaker 03 Yeah.
26:52 Caleb Hammer? Five hundred dollars a week, yet your baby mama is giving you four hundred dollars a month just to help you pay bills.
26:57 Speaker 03 Yeah.
26:58 Caleb Hammer? Why the would she ever let you back in? I would never let you back in with that's pathetic. Two thousand hours a month you're spending, yet you're taking four hundred from her when she's the one taking care of your kid?
27:06 Speaker 03 Yeah.
27:07 Caleb Hammer? What is wrong with you?
27:10 Speaker 03 I'm gonna make it better.
27:11 Caleb Hammer? Oh, great. What an answer. No, I will never allow that answer in the history of this show. Look at you. I can tell from this entire conversation so far that you are just not used to pushback and you will just deflect to the to the fucking moon. Listen, the answer to anything that you are doing wrong will never be, I'm gonna make it better. You. You know why? Because you haven't, because you're not. The answer is only in the future I'll do better. No, I will never accept that. That is not an acceptable answer or a conversational point that I will ever accept in this conversation when I show you, hey, you are doing bad. Well, I'll just do it better. Oh, great. Great. Then just leave. Oh, you already figured it out. Good. You're just gonna do better. Then what the are we talking about?
27:56 Caleb Hammer? That is not an acceptable answer and will never be in the history of this show for anyone that plans on coming on in the future. Like you, what do you expect from that? Oh, well done. You're gonna do better. You be like, what? What do you expect from me when you say that?
28:09 Speaker 03 Well.
28:09 Caleb Hammer? Or do you just want me to let off the gas?
28:12 Speaker 03 My investments were mainly in Counter-Strike, just like Bitcoin. There's gonna be a bubble that is gonna go up to at one point. November popped. It's gonna go skyrocket again with all these lawsuits coming back up.
28:24 Caleb Hammer? What? What lawsuits?
28:25 Speaker 03 Um, they're getting sued from a lady in New York, uh, Counter-Strike Steam, essentially.
28:30 Caleb Hammer? Hey?
28:31 Speaker 03 And so they're gonna get sued. Um, they're going through another lawsuit right now. And so it's gonna cause the everybody marketing over to Steam again and buying or buying skins, reselling skins for high profits. Uh, making sure everybody can grab what they can before they wipe out the inventory that they already have.
28:51 Caleb Hammer? Maybe. I don't know. You're it's a interesting hypothesis. I mean, you're just really betting a lot on that. What? What's the? How much do you own total? Oh, I mean, you just bought a thousand dollars on trade ups, whatever the that even is.
29:05 Speaker 03 So there's skins in the game and you trade them up for a higher tier and I fucked up completely. And I bought a thousand, a thousand of this.
29:15 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
29:44 Speaker 03 One skin for $2.30. So there goes like, you know, 2,300 bucks and I can't even trade them up. Now I just have to hold them on until they're valued at $3 apiece to resell them.
29:56 Caleb Hammer? So you focus on that your entire life, but you tear your son away from his grandma. She probably wants to be in her grandson's life. You just don't allow that. And she didn't even do anything wrong.
30:08 Speaker 03 I, I mean, my mom did if she didn't, if she didn't want to communicate with me or doesn't believe me about everything that's going on during the lawsuit or.
30:16 Caleb Hammer? Maybe, I don't know, but also the lawsuit, maybe she just didn't want to get involved, man.
30:20 Speaker 03 Yeah, but she.
30:21 Caleb Hammer? That was it. She's not taking sides. She's just like, yo, no, I don't want to listen. I don't want to hear it. This is like, you guys settle this, you figure it out. That's not unfair.
30:29 Speaker 03 Yeah. I mean, she, she sided with him. She still sees him and his family.
30:34 Caleb Hammer? Yes, she would see you two. You're the one who cut her off, dude.
30:37 Speaker 03 Yeah.
30:37 Caleb Hammer? She reached out.
30:39 Speaker 03 But she didn't want to reach out prior to that.
30:40 Caleb Hammer? Doesn't matter. She reached out. She's not. It doesn't matter. What do you mean? You said you blocked the entire family everywhere. You wouldn't know what they tried to do.
30:48 Speaker 03 That was during the thing. I blocked them all off.
30:50 Caleb Hammer? Exactly. So you can't say she hasn't tried to reach out.
30:53 Speaker 03 I mean.
30:54 Caleb Hammer? You blocked him everywhere. You locked him away.
30:57 Speaker 03 Yeah, I mean, that's it's gonna stay like that.
31:02 Caleb Hammer? Why?
31:03 Speaker 03 It's just our mentality.
31:05 Caleb Hammer? Our mentality? Who's our?
31:06 Speaker 03 Where we come from.
31:07 Caleb Hammer? Who's we?
31:08 Speaker 03 My, my family.
31:09 Caleb Hammer? No, they're reaching out to you asshole.
31:11 Speaker 03 She reached out to me once.
31:13 Caleb Hammer? Buddy, you blocked him everywhere.
31:15 Speaker 03 She, she has my Facebook. That's the only thing she has me on.
31:17 Caleb Hammer? And then she reached out asshole.
31:20 Speaker 03 Yeah.
31:20 Caleb Hammer? Grandmother, grandson. It's a very good thing to have in their lives.
31:24 Speaker 03 Yeah, she, my, my son has his grandma from.
31:28 Caleb Hammer? And there's another one as well.
31:30 Speaker 03 My son has a great family support system.
31:32 Caleb Hammer? I'm not saying he doesn't, but that is also not fair to your mom. And listen, maybe your brother was right on the lawsuit. Maybe you were a loser and he needed to get you out. That's not unsurprising. I mean, I have an entire note in here that says you're trying to become a full-time streamer. And you're honestly like surprised that you're not at this point. It sounds like you're a dude who spends all his time, money on video games, tries to stream, thinks it's gonna be your career. You knock up a girl, leave, like, of course, like, it makes sense that you're probably the person, I would never want to go into business with a personality like yours. I would try to get you out of the business. And listen, he settled, got you out of the business and gave you a little bit of money for it. Like, it sounds like he was probably in the right, or else you wouldn't have settled, not for that amount of money.
32:16 Caleb Hammer? You would have settled for a lot more, or you would have gone all the way.
32:19 Speaker 03 I wanted to settle a lot more. I just didn't have enough money for more.
32:23 Caleb Hammer? Dude, I don't know. I, I, I don't know, man. I don't know.
32:25 Speaker 03 My lawyer at the time wanted fifteen thousand upfront to keep continuing if my brother didn't settle for a certain amount of money. Or if we didn't settle for the.
32:34 Caleb Hammer? This doesn't really make sense. Like, I understand why he would want you out, and I think he actually might be right. Like, I think brothers suing brothers is sad. I think it is, and I think that sucks. But he, he figured he had to sue you to get you out because you weren't just willing to.
32:48 Speaker 03 He was buying, he was buying himself toys with the business money.
32:51 Caleb Hammer? Okay, listen, but he's the owner. Like, I don't care.
32:55 Speaker 03 But it's like.
32:55 Caleb Hammer? Like, I mean, that's a different conversation. I would advise him not to do that.
32:58 Speaker 03 Well, yeah, but it's just like. What do you give to the other, to the, to the partner?
33:03 Caleb Hammer? Well, you should be getting a forty nine percent distribution, but his toys were likely business expenses. And if then that sucks, but he is the majority owner, which means you don't really have a say in the end. That sucks. I'm not like saying yippee. He's like a great guy who ran the business perfectly. But I also understand if he felt like you weren't contributing to the work and I don't think you were with how much you play video games. I honestly feel like he was probably right that you weren't contributing what was probably deemed fair for forty nine percent ownership.
33:31 Speaker 03 I, I mean, I did a lot of work for that company.
33:34 Caleb Hammer? And I'm curious what he'd say.
33:36 Speaker 03 I still have my video proof of everything. I was documenting.
33:39 Caleb Hammer? Proof?
33:39 Speaker 03 Like I was, I was the one pretty much taking pictures, videography, editing.
33:44 Caleb Hammer? For of sixty hours a week?
33:46 Speaker 03 Well, everything, every job site we worked, it's a two man job. So it's, you know, solar, bird proofing, cleaning solar panels. It's not, you can't do it alone. It's hard.
33:58 Speaker 03 And we got contracts all over the valley and making sure.
34:01 Caleb Hammer? I'm in. It's difficult. I think you should try to reestablish the connection of family, especially with the grandson.
34:07 Speaker 03 I can't.
34:09 Caleb Hammer? Can't?
34:09 Speaker 03 No.
34:10 Caleb Hammer? You objectively can. You're just being a prideful dumbass.
34:13 Speaker 03 That pride will stay.
34:15 Caleb Hammer? Not prideful enough to take a little less time from you video games to spend it with your kid that you're trying to get back together with his mother. Not enough for that. Not enough for anything, apparently. And yet not willing to allow the grandmother to be in his life. Because she was probably on the right side, if we're being honest, and also just didn't want to get involved, which is totally fair. I don't know, man. I think you're the villain in this arc.
34:36 Speaker 03 Am I?
34:37 Caleb Hammer? I think so. Well, leaving a woman who's eighteen and pregnant, yes, playing this much video games, spending that much while taking money from her instead of contributing to the kid's future. Yes. Going back to see your brother for seven hundred and fifty thousand dollars for not taking down pictures. I mean, that's as you're just looking for a W. You're just looking for a paycheck. You don't, you clearly don't actually care about the pictures. If you're going just for an insane amount of money.
34:59 Speaker 03 I, I'm just going with what the contract says.
35:01 Caleb Hammer? Yeah, but you're going for the paycheck. Like, I understand that. And it is your brother in the end. Not allowing a reconnection with your, with the grandmother of your son. Yeah, no, I think you're the villain.
35:11 Speaker 03 He blocked me from seeing his niece and nephew, or my niece and nephew.
35:15 Caleb Hammer? Okay, that is very different than a grandmother and a grandson.
35:18 Speaker 03 They, they've been in my lives longer than.
35:21 Caleb Hammer? Doesn't matter grandmother, grandson versus uncle situation. That is so different.
35:27 Caleb Hammer? And the fact that you're equating those, it just speaks volumes to how you even view family dynamics.
35:32 Speaker 03 I, I guess I just don't want my side of the family to be involved with my kid's life.
35:38 Caleb Hammer? That's so not fair to them when they didn't do anything wrong. Your brother, maybe. Okay, maybe. The other ones didn't.
35:46 Speaker 03 My mom wasn't very supportive of the whole situation.
35:49 Caleb Hammer? She wasn't trying to be involved. And that's fair.
35:51 Speaker 03 She was involved on his side.
35:52 Caleb Hammer? In what way?
35:53 Speaker 03 Talking to them and whatever he said, she was taking his side and she didn't.
35:58 Caleb Hammer? And what, was she putting you down?
36:00 Speaker 03 She didn't want any confrontation with my brother. She didn't want me to have confrontation with my brother. And I'm like, my brother's causing it. Like, I have no way.
36:07 Caleb Hammer? She didn't want to get in the middle. That's not unfair. That's not her taking his side. She just didn't want to stand up. She would probably listen to you, listen to him, and just like, la la la, I don't care, stop fighting. That's not just like, oh, I support him and fuck you, son. She didn't do that. That's not how you described it. She didn't want her kids to fight. That's not unfair. You cut her off for that? What is wrong with you? You cut her off because she didn't stand up to him for what you see as unjust.
36:33 Speaker 03 Yeah, but she was.
36:34 Caleb Hammer? There we go. Yes, that's exactly it.
36:36 Speaker 03 She was stand up to me against him.
36:38 Caleb Hammer? What? You didn't say that. You didn't say that because all you keep saying is that all she would do is just like not, not stand up to him. That's not, not saying.
36:45 Speaker 03 Our confrontations were different and so whatever.
36:48 Caleb Hammer? Tell me. Give me examples.
36:50 Speaker 03 He would tell her that I was a piece of shit or didn't do something.
36:53 Caleb Hammer? And then she'd go up to you and say, you're a piece of shit.
36:55 Speaker 03 She would be like, well, why don't you, why don't you confront him and do this? And I was like, I have.
36:58 Caleb Hammer? That's cool. That's not her being bad to you. She's saying, hey, why don't you have that conversation? This isn't for me.
37:04 Speaker 03 And we do have that conversation.
37:06 Caleb Hammer? What? That's not her being bad asshole. Her saying, hey, you have that conversation with him. I'm not the guy. That is not evil of her. What the is wrong with you? And you prevent her from seeing her grandson for that? You're gross. That's gross, man. That is gross.
37:25 Caleb Hammer? Come on, she didn't do anything bad.
37:26 Speaker 03 She, she took his side.
37:27 Caleb Hammer? No, you haven't given me an example. Your example of she took his side is her saying, hey, talk to him instead of me. That's not taking his side.
37:36 Speaker 03 No, she, she would say, do this and do this. Well, I.
37:39 Caleb Hammer? Do what? Do what? What do you mean?
37:40 Speaker 03 So text him, message him. My brother.
37:43 Caleb Hammer? My brother would. She's saying, reach out to him.
37:45 Speaker 03 Wouldn't reply.
37:46 Caleb Hammer? Doesn't matter. She's saying, reach out to him. Don't talk to me. That's not unfair. She didn't want to get involved. She's saying, reach out to him, not me. That's not taking his side. How do you see that is that? What is wrong with you?
37:55 Speaker 03 And then I get a text message from his, on my son's birth. I get it.
38:00 Caleb Hammer? From who?
38:00 Speaker 03 From his wife.
38:01 Caleb Hammer? Doesn't matter. That's not your mother.
38:03 Speaker 03 I, I know, but that's how I had to get in contact again.
38:06 Caleb Hammer? Doesn't matter. That's not your mother. You're punishing your mother for nothing.
38:09 Speaker 03 Well, she didn't believe me on any of it.
38:11 Caleb Hammer? Don't you, you, you have not said that. All the, only examples you have said is, hey, she said, talk to him, not me.
38:18 Speaker 03 Yeah, but she, when, when I got the example of a text message and I showed her, she still didn't believe me that, that's what.
38:23 Caleb Hammer? What do you mean? What did she say? And don't make it up now to just make your point correct after you've been proven wrong like five times.
38:28 Speaker 03 So my in-law said that she was gonna give me.
38:31 Caleb Hammer? No, but your in-law, what did your mother say, asshole?
38:34 Speaker 03 She's like, oh, that's not them. That, that's not, that's not how they're treating you.
38:39 Caleb Hammer? And I was like. Specifically what she said?
38:41 Speaker 03 Yes.
38:41 Caleb Hammer? Okay, in terms of what context?
38:44 Speaker 03 Of my in-law sending me a text message about, hey, give us all the social media, uh, back and we'll pay you $30,000. And I'm like, why am I getting this from my brother? He had, he had a way to contact me and he didn't, he did it through his wife.
38:57 Caleb Hammer? And you said what to your mom?
38:59 Speaker 03 And I showed her the text message and everything. She's like, oh, that's not, that's not happening. That's, that's not how this is.
39:04 Caleb Hammer? I have a hard time believing that after every example you tried to gave, give me was not that. The fact that you only held that to like the sixth time I pushed on it, that should have been the first one. I feel like you have to be making it up or else that would have been one of the first couple of things you would have said.
39:18 Speaker 03 Sorry.
39:19 Caleb Hammer? It made no sense that you let off every single time with, well, she just said, talk to him instead. This makes no sense, man. This makes no sense. And I feel like you're bullshitting me just because you were clearly, you were clearly in the wrong multiple times.
39:31 Speaker 03 It's all buried because I had a very hard time dealing with all this.
39:35 Caleb Hammer? What do you mean, buried?
39:37 Speaker 03 I, I, I was having panic attacks.
39:39 Caleb Hammer? Sure, I'm, I'm sure you did, but why'd you keep saying the same example five times in a row? And then finally, after I called you on your shit, you're like, oh, you know what? Let me just say this instead.
39:49 Speaker 03 It's been two years buried. I wanted to forget about it and now it's slowly coming back up.
39:54 Caleb Hammer? Yet you gave the same other answer five times in a row.
39:56 Speaker 03 And I wish I didn't.
39:57 Caleb Hammer? Just like you wish you didn't leave your kid.
39:59 Speaker 03 I, yeah.
40:00 Caleb Hammer? Okay, so 2,000 hours a month going to video games.
40:05 Caleb Hammer? I just don't understand it, man.
40:07 Speaker 03 Have you ever played Counter-Strike?
40:08 Caleb Hammer? Yes.
40:09 Speaker 03 Okay, what did you think about it?
40:11 Caleb Hammer? Uh.
40:12 Speaker 03 Yeah?
40:12 Caleb Hammer? Uh.
40:13 Speaker 03 You're more of a Halo guy?
40:14 Caleb Hammer? Uh, I guess. I don't know. It's, uh, this is not my type. Neither of those are really my type of game. I did play more Halo growing up.
40:21 Speaker 03 I, I mean, it's a first-person shooter.
40:23 Caleb Hammer? Yes.
40:24 Speaker 03 You mix, you get skins.
40:25 Caleb Hammer? Finding what the game is to me? I, I just said I played it.
40:28 Speaker 03 I, I know, but it's just for people out there that don't know how to play it or don't know anything of it.
40:34 Caleb Hammer? Okay.
40:34 Speaker 03 And.
40:35 Caleb Hammer? Not sponsored. So, listen. You make good money. Why are you trying to go into, you said you want to go into car detailing? You have investors? Do they even know who they're dealing with? A piece of shit that backs out on everything and creates feuds and blocks people for no reason? Do they even know?
40:52 Speaker 03 I, I'll be honest with them and have contracts and making sure all my time and money is.
40:59 Caleb Hammer? Great. What is this? Tell me, what's happening?
41:01 Speaker 03 I, I want to put a car detailing business out there. I have a truck for it already.
41:06 Caleb Hammer? Oh, for fuck's sake. Uh. Was it purchased for this or is this you already have?
41:10 Speaker 03 This is already have.
41:11 Caleb Hammer? I'll think, okay.
41:12 Speaker 03 It's a 2017 Titan XD. Um, it's lifted. It can put all the equipment in there.
41:17 Caleb Hammer? Suck. Okay, continue.
41:20 Speaker 03 I, I just want to, I, I just want to venture into a different kind of field of car detailing because we don't see it a lot in Arizona RV.
41:26 Caleb Hammer? Yeah, it sucks that you're making only 80,000 hours a month. And, uh, Brandon, Phoenix Morning Race, is that true? Is there no car detailing in Phoenix, Arizona, the fifth or sixth largest city in the country? Okay, there's a ton.
41:36 Speaker 03 No, there's a ton, but in, oh, in a different, in a different, different tactic.
41:42 Caleb Hammer? Oh, the tactic is we clean it.
41:45 Speaker 03 No, no, no.
41:46 Caleb Hammer? Okay.
41:47 Speaker 03 Yeah, wax on, wax off. But no, we, I want, I want to invest into branching out. So I want to start to, uh, doing RV detailing because we don't have a lot of those out there.
41:58 Caleb Hammer? RVs?
41:58 Speaker 03 No, there's, there's a very-
42:00 Caleb Hammer? We don't have a lot of RVs. Let's get into business for that then.
42:04 Speaker 03 A lot of RV detailers.
42:05 Caleb Hammer? Well, it's almost like the market hasn't demanded it then.
42:08 Speaker 03 It is demanding because we-
42:10 Caleb Hammer? And there would be more RV detailers because detailing is not new.
42:13 Speaker 03 But it's-
42:14 Caleb Hammer? You're not inventing, inventing a new niche.
42:16 Speaker 03 No, it's just-
42:17 Caleb Hammer? It's hard.
42:18 Speaker 03 Oh, yeah.
42:19 Caleb Hammer? Buddy, out of all the things in this world, I think people can clean some RVs. I'm not saying I'd be good at it.
42:24 Speaker 03 No, I, I hear a lot of stories of people hiring somebody for like 500 bucks to detail an RV and they don't know how to wash it. They scratch up the decals on it because they don't have the right, right, uh, brush bristles to be able to wash that.
42:37 Caleb Hammer? All right, we, we just, uh, uh, just simply Googled RV detailing and over 50 immediately popped up in the Phoenix area. Over 50. We haven't even gone further than that, but we know it's over 50.
42:49 Speaker 03 And then I want to go into off-road vehicles.
42:51 Caleb Hammer? Okay, no response to that. Off-road vehicles, yes.
42:54 Speaker 03 So detailing those. And then I want to be able to, in one year time, I want to be able to branch out to Scottsdale and Deer Valley airports to start doing private jets or stuff.
43:06 Caleb Hammer? Which definitely doesn't have people already doing that.
43:09 Speaker 03 No, I know.
43:10 Caleb Hammer? Buddy, I'm sorry, man. What are we doing here? You actually have a good job and a good career. That's not something I get to say oftentimes on the show.
43:17 Speaker 03 But I, I-
43:18 Caleb Hammer? What the, why? Why do this?
43:20 Speaker 03 I just want to do a side job and be able to-
43:22 Caleb Hammer? I don't really care what you want.
43:24 Speaker 03 It's, it's-
43:24 Caleb Hammer? You're already doing well. You're already doing, even have time to see your kid. You're spending 500 dollars a week on CS:GO that you're pumping 80 hours a week into. Like this makes no sense. Where, where is this time? You're trying to get back with her, yet you're immediately doing what is gonna be no time and damaging to your relationship? Well, make this make sense. This doesn't make sense. You want to do a thousand things at once. It's not-
43:48 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
44:17 Caleb Hammer? Can I add up? And plus, you don't get to part time this and be as successful as you think you're gonna be.
44:22 Speaker 03 I think if I go back into doing a job versus gaming, I'll quit gaming altogether.
44:29 Caleb Hammer? You already have a job.
44:30 Speaker 03 No, no, another side job. So it'll, it'll just push me out of there.
44:34 Caleb Hammer? I don't think so, man. You're kind of an addict. You're spending an insane amount of money. You're an endless gamer and you're a CS:GO playing clicker. Like buddy, you're sweaty. I, that shit is, I, I know you're addicted to that life. There's no way you're not.
44:47 Speaker 03 We're all addicted to something, but I-
44:49 Caleb Hammer? Exactly, and you are that. I don't think all of a sudden you're gonna be cleaning RVs and like, oh, I no longer have the desire.
44:55 Speaker 03 I, I need to pick on something that's gonna get me out of something else. I, I'm that kind of addict.
45:00 Caleb Hammer? Yes, but I don't think you'll be addicted to cleaning RVs.
45:04 Speaker 03 I think if I push my mind, like I did the business.
45:07 Caleb Hammer? Push your mind.
45:08 Speaker 03 When I, when I started up the business, I didn't do anything else but work.
45:11 Caleb Hammer? You didn't start up a business 49% owner and you got kicked out because you weren't providing enough value.
45:16 Speaker 03 Well, my brother thinks, but I, at one point-
45:19 Caleb Hammer? Who everyone seems to agree with, except for you.
45:21 Speaker 03 Yeah.
45:22 Caleb Hammer? Including even potentially the legal system, which is why you only got a very micro dick settlement.
45:26 Speaker 03 That's what he wanted to pay for at the end and I didn't want to push it.
45:29 Caleb Hammer? But you accepted because there wasn't enough of a W on the other side if you kept going.
45:33 Speaker 03 I just didn't have funds to keep going.
45:35 Caleb Hammer? Right, but if you knew you were gonna win a big sum of money, you would have borrowed for it.
45:40 Speaker 03 Well, who is I gonna borrow from?
45:41 Caleb Hammer? Personal loans, bank, anything, credit cards?
45:43 Speaker 03 I couldn't get any of that.
45:44 Caleb Hammer? Yes, you could. You could get credit cards, absolutely, anyway.
45:46 Speaker 03 Not for $15,000.
45:47 Caleb Hammer? No, but you could open like a thousand. Dude, it's so easy these days. It's actually really bad. If budgeting apps make you feel like [BLEEP], this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it, not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade.
46:30 Caleb Hammer? Have you ever thought, I just want to know where my money is going without being judged for it? You're not alone. That's exactly what we built Dollar Wise. If you want a calm and clearer way to see where your money is going, try Dollar Wise. Download the app today and get a three day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money is actually going and decide if it works for you. Click below to download Dollar Wise and see if this helps you feel more in control without distress. And if it's not a fit, cancel anytime. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well.
47:14 Caleb Hammer? Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.
47:25 Speaker 05 The number one ranked energy drink is gamer subs.
47:28 Speaker 06 Literally the cherry flavor is insane.
47:31 Caleb Hammer? Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below, type in code Caleb.
47:41 Speaker 03 I've always gotten rejected from trying to open up another one if I did.
47:45 Caleb Hammer? You're probably going to other ones, buddy. You could totally go to like credit one. I'm not saying do, but if you were so confident that you were going to win, you could have put enough money together with a potentially different lawyer that would have accepted an ongoing retainer of a couple thousand hours at a time instead of 15,000 hours upfront. That wouldn't make sense.
48:01 Speaker 03 I wish I had better advice when I was doing this, but I didn't. I was pushed into a corner. That's what I felt like.
48:09 Caleb Hammer? Can I just be honest?
48:10 Speaker 03 Yeah.
48:11 Caleb Hammer? Not like I haven't been, but I mean, your finances are probably, that's why they're on the show. And this is what we're about to look into. And I feel like I've achieved enough of the baseline understanding of you to get into it. But the reality is here, just be a good guy. Few things, give up your pride. It's a sin in every religion for a reason. All religions agreed. They don't agree on much. All agreed on that one. No killing, no pride. Okay. Some of the big ones.
48:40 Caleb Hammer? So give up the pride, reconnect with your family, not necessarily saying brother. But at least, you know, maybe like, oh, you will accept his existence, but even still, just go be in your kid's life, whether or not you're with her. Stop taking money from them for your video games. And continue your career for the sake of your kid's life and pay off your debt. There you go. I would just do that. Be a good guy. That's it. You're set up already. You do not need to do all the shit that you're trying to do. This makes no sense. No sense. No, oh, this is, see, this is sad. This is what you need to give up. I mean, I've had feuds here and there. Even the people I hate the most, I wouldn't wish this. Colton says, Chuck says, if you got a phone call tomorrow saying his brother had died,
49:25 Caleb Hammer? he doesn't think he'd care.
49:27 Speaker 03 No, I.
49:29 Caleb Hammer? That's horrible.
49:30 Speaker 03 I think I buried, I already buried him in my mind.
49:34 Caleb Hammer? That's insane, man.
49:35 Speaker 03 Yeah. It's.
49:36 Caleb Hammer? Or a lawsuit. He didn't fucking kill your son or something.
49:40 Speaker 03 He didn't even wish the day my.
49:43 Caleb Hammer? And that sucks. Maybe he's not the best person, but be the better person.
49:47 Speaker 03 Yeah. And I.
49:48 Caleb Hammer? No, you're not. In no way are you.
49:50 Speaker 03 He like cut everything out. Like my niece and nephew were in my life quite a bit.
49:55 Caleb Hammer? Buddy, you blocked them all and moved the, what are you saying? You did that shit.
50:01 Speaker 03 I, I did, but I was, I was forced in a corner and I.
50:06 Caleb Hammer? I'm gonna try to call his brother in the post show. Buddy, listen. What do you think your financial score is zero to 10, zero being the absolute worst, 10 being the absolute best? What?
50:15 Speaker 03 It's a 588, I'll tell you right away. It's shit.
50:18 Caleb Hammer? 588? I said zero to 10.
50:21 Speaker 03 Yeah. You said what your credit score is and that's where my mind went.
50:25 Caleb Hammer? You said your financial score is zero? Maybe if you actually listened instead of trying to answer.
50:30 Speaker 03 It's a
50:30 Caleb Hammer? Zero to 10, zero being the worst, 10 being the best. Where do you think your finances are?
50:35 Speaker 03 Two.
50:36 Caleb Hammer? If you want the score and you actually want to get like a real answer instead of just jumping to conclusions, take the assessment at Calebhammer.com. It is free. Just takes a few minutes. See where you stand in the world of money. Where you're doing poorly, where you're doing great, what you need to do to improve. It is awesome. Check it out. Like literally over a hundred thousand people have. See where you stand in the world of money. And make sure if you don't want to be like this guy, download the Dollar Wise Budgeting app. It is absolutely incredible. There's a free trial to see if you even like it. It is actually simple, easy, getting on board and actually immediately seeing where your money is going like that. I like those other stupid complicated budgeting apps that have honestly the market in my opinion, made it too complicated for the normal person to budget. Check it out, dollarwise.com. Sign up for the annual version if you like it because it saves you 50%
51:18 Caleb Hammer? and you will get my personal monthly meal plan. You can meal plan on a daily, weekly, monthly basis. It is incredible, even including drinks and desserts and everything. I will sign that and mail it directly to you. It is awesome. Check it out, dollarwise.com. Let's get into these documents, man.
51:31 Speaker 03 Alright.
51:32 Caleb Hammer? City Costco anywhere. I know it ain't for diapers.
51:35 Speaker 03 No.
51:35 Caleb Hammer? What CS skins are on that you get at Costco?
51:39 Speaker 03 None.
51:40 Caleb Hammer? Steam gift cards, no?
51:41 Speaker 03 No, if they had them, I'd buy them probably. Cause that's where you would save the most money.
51:46 Caleb Hammer? Eight thousand four hundred ninety-three dollars. What's going on with this card, dude?
51:53 Speaker 03 Uh, CS skins.
51:55 Caleb Hammer? So it is CS skins. What the is wrong with you? How is this the play? How is this the play?
52:03 Speaker 03 It's a marketing tactic.
52:04 Caleb Hammer? Marketing tactic? Fuck you, marketing tactic. Cause I know in this conversation with Colton you were doing beforehand. When you were going over those numbers, you're like, well, this is America's fault. It's capitalism's fault. If I lived in Europe, it'd be better. Fuck you. This isn't America's thing. This is your personal choice. This isn't America's fault that you're in this. You can't just deflect and blame everything like you were doing on the phone call with him. What do you mean America's making you in this situation and everything would be better if you went to Europe? How? You would still be an addictive that spent all the money you'd get, which would be less money over there on CS:GO. How's this America's fault? This isn't America's fault.
52:38 Speaker 03 I, I, I said that out of how, how it's easier to make money and side money over there in Europe versus in America.
52:46 Caleb Hammer? It's easier to make inside money?
52:48 Speaker 03 Side money, like cash and stuff like that.
52:51 Caleb Hammer? In what way?
52:53 Speaker 03 You can do like neighbor chores and stuff like that. So like.
52:57 Caleb Hammer? Do you neighbor chores here? What do you mean?
52:58 Speaker 03 People don't have money to spend on other people first.
53:01 Caleb Hammer? Objectively incorrect compared to any European nation besides micro city states. Our disposable income, which is income after everything important is higher in the United States than anywhere else. In Europe, except for like the micro dick states, where it's like a city that completely overboost the numbers because they don't have any rural populations bringing it down. What are you talking about? That is statistically incorrect.
53:21 Speaker 03 I guess I'm wrong if you have the.
53:22 Caleb Hammer? Yes, you are wrong. But we don't have a VAT tax. They do. Their VAT tax across their entire middle and lower classes to pay for their entire social welfare state, which you can advocate for if you want. Dramatically makes their disposable income less and that's fine if you want that kind of culture, but they do not have as much to spend on the. Why do you think our consumer culture is so extensive compared to every other country? It is because of our culture for sure, but it's because we also have the means to do it. Even our poorest people here are fat.
53:51 Speaker 03 That's true.
53:51 Caleb Hammer? What do you mean? What are you saying? Where'd you pull that from? You just pulled that out of your ass, man. Pulled that out of ass. How are you saying I could just do better in Europe? You're in America didn't make you spend 8,493,533 cents on interest accruing credit card down on CS:GO skins. It's not America's fault. Capitalism didn't do that. You did that.
54:12 Speaker 03 I did that in the mindset of.
54:13 Caleb Hammer? So what the are we doing? How can you say your life would be better somewhere else? Grass is always greener. Europe is great in many ways. Don't get me wrong, but you can't just say all of a sudden the life would, your life would be, well, your life would be different, but not in the way that you're just advocating for.
54:26 Speaker 03 I probably wouldn't have a PC over there because it'd be too expensive to afford to be.
54:29 Caleb Hammer? Yes. Your income would be dramatically lower.
54:32 Speaker 03 I just think everything in America is too easy to get to, like spending wise.
54:37 Caleb Hammer? Then don't. You know, you are the one that gets the swipe.
54:41 Speaker 03 Yeah. And I'm the one that's.
54:43 Caleb Hammer? So you need the government to baby you and bring the income per capita down so you can't spend?
54:49 Speaker 03 No, it's just.
54:50 Caleb Hammer? You need, you need policies in place to make sure your income is lower so you can't spend money.
54:55 Speaker 03 No, it's just.
54:57 Caleb Hammer? What are you advocating?
54:58 Speaker 03 It's just, it just makes it too easy to spend here, I guess.
55:01 Caleb Hammer? What are you advocating for? A policy to make it harder for you to spend?
55:04 Speaker 03 Oh, no, it's just.
55:05 Caleb Hammer? And what are you saying, dude? What are you saying? Advocate for something. Have some balls. What are you saying?
55:11 Speaker 03 I'm just saying that getting, getting this credit card and I got, and I immediately started spending money. I wish I didn't spend the money on, and I ended up doing it because I thought it was a great investment for the future.
55:25 Caleb Hammer? Oh, you're, oh my, and you think that's different in Europe?
55:29 Speaker 03 I wouldn't be spending as much.
55:30 Caleb Hammer? Are you sure? Listen, here's the thing. I don't know if you have, what do you think of buy now, pay laters? Do you have any of those? You know, buy now, pay later? The paying fours?
55:39 Speaker 03 Oh, I have a firm.
55:41 Caleb Hammer? That's just dangerous too, right?
55:42 Speaker 03 Yeah, it is.
55:42 Caleb Hammer? Isn't it dangerous?
55:43 Speaker 03 Yeah.
55:43 Caleb Hammer? You know, Europe started that. That's Scandinavian countries. That's aggressively there. What do you think Klarna is? That is a European country. It's pretty much the only thing they've done besides making caps on water bottles stay attached.
55:54 Speaker 03 And they advertise the shit about here in the States.
55:56 Caleb Hammer? Uh huh. That was started there because that's in their culture. They're a less credit card culture. They don't credit card, we credit card. But they pay in four. German culture paying for extensively forever. It was baked in their culture since almost like the beginning. They just had different versions.
56:11 Speaker 03 I didn't know that.
56:12 Caleb Hammer? Yeah, because you know nothing before you.
56:15 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
56:44 Caleb Hammer? Advocate for anything like every other dumbass in this world. Buddy, you would be paying and foring your skins, just like you're putting them on credit cards here.
56:52 Speaker 03 I'm glad I never did pay and foring on skins.
56:55 Caleb Hammer? But if you had your way and you were in that different culture, what is all I'm saying? Okay, your minimum monthly pay, you only paid $2.63 last time, but your minimum right now is $539.38. $539.38 with, but then you spent $560.59 while interest of, oh. That's why the minimum payment's so high. You're over the limit by $300 for fucking CS:GO skins. You're a broken individual. That's not America's fault. That's not your ex's fault. That's not your brother's fault. That's not your mother's fault. This is you. This is you cannot control yourself to save your life. This is because you're an immature little baby.
57:35 Caleb Hammer? No wonder you got cut off your family. That's what a high school teenage daughter does when she gets upset that she can't go out and party. Just sign the treatments and blocks her own family and locks herself in her room. That's what you've done in adulthood. You're a child.
57:49 Speaker 03 Yeah, I'm a grown child, but I'm sure I'm gonna make this money back.
57:53 Caleb Hammer? No. No, I mean, how? How are you sure? The bubble already burst in November.
57:58 Speaker 03 I'm hoping it's gonna go back up.
57:59 Caleb Hammer? It usually takes years for bubbles.
58:01 Speaker 03 I'm hoping what's going on with the lawsuits, it's gonna reformat where people are just gonna panic, sell, and buy.
58:09 Caleb Hammer? Panic, sell?
58:10 Speaker 03 Panic, buy, and panic, sell.
58:12 Caleb Hammer? Well, panic, sell brings prices down.
58:14 Speaker 03 Yeah, but they're gradually going back up right now.
58:18 Caleb Hammer? Sure, but if they start panic selling, they go down.
58:24 Speaker 03 As soon as I see the next wave, I'm just gonna put everything on the market.
58:28 Caleb Hammer? But you said the lawsuits you think are gonna lead to panic selling.
58:31 Speaker 03 If, if they...
58:35 Speaker 03 I mean, they're gonna go.
58:36 Caleb Hammer? Oh, you have not thought through anything. Oh, my gosh. Why do you have opinions and and expectations of things that you don't think about for more than five seconds? But I'm not even necessarily like, I wouldn't even consider myself a necessarily intelligent person as well. I'm kind of gay, you know, I try to read as much as I can geopolitics, finances, business. I really do. I try to learn, but I'm a I accept that. But at least I think about something, a big grand strategy for what I'm implementing over the course of years for more than 30 seconds.
59:11 Speaker 03 Yeah, I was always told I should think before I speak.
59:13 Caleb Hammer? It's not thinking before you speak. I'm not saying that for years you are preparing for a bubble. You're saying the bubble is gonna happen because these lawsuits will lead to panic selling. Panic selling means the market goes down. What the is wrong with you? You have no thoughts in this world.
59:29 Speaker 03 I'm hoping to put it up before the panic selling happens.
59:32 Caleb Hammer? OK, but the market hasn't recovered since the bubble has burst.
59:35 Speaker 03 It's gradually going up.
59:36 Caleb Hammer? Gradually going up is that the market has recovered since the bubble has burst only four months ago.
59:44 Caleb Hammer? Man, oh, my, what an impossible conversation. Oh, buddy, how long do you think this takes to pay off if you only do minimum payments only, which is what you do no more? And you don't purchase, which you're incapable of and you're over maxed out.
59:55 Speaker 03 I think it's five years.
59:56 Caleb Hammer? OK, it's 19 years.
59:58 Speaker 03 19 years.
59:58 Caleb Hammer? Your kid who you have no interaction with likely for the rest of your life, because all you do is spend time and money on CS go. Will be, in fact, midway through college.
1:00:09 Caleb Hammer? Very good. Amazon, Amazon, Amazon bullshit. The can get it on Amazon, $800 in interest agreement, what the wrong with you? Pull up your Amazon, let's see your Amazon, pull up your Amazon. What is that brand even? What are you wearing? Because you really wanted to flex that brand today, double logo.
1:00:26 Speaker 03 Which is a clothing partner that I'm with from my Twitch sponsor.
1:00:33 Caleb Hammer? You have a Twitch, okay. Well, I guess I need to learn about that. Tell me about it. Your Twitch, how much use, is this why you're gaming 80 hours a week?
1:00:42 Speaker 03 When I stream, yeah. I mean, I don't stream very often currently.
1:00:47 Caleb Hammer? How do you have a sponsorship? What have you, what did you make from the sponsors? Of which you are doing negative help to?
1:00:53 Speaker 03 I got paid out $800 in December, which was kinda nice. And uh-
1:00:59 Caleb Hammer? $800 for?
1:01:01 Speaker 03 Promoting their, $800-
1:01:03 Caleb Hammer? How many months?
1:01:04 Speaker 03 For just December.
1:01:05 Caleb Hammer? They gave you $800?
1:01:08 Speaker 03 Yeah.
1:01:09 Caleb Hammer? Why would the company do that?
1:01:12 Speaker 03 Uh, cuz I was, people were clicking on the links and purchasing their clothing.
1:01:16 Caleb Hammer? So it's an affiliate?
1:01:17 Speaker 03 Yeah.
1:01:17 Caleb Hammer? Or brand?
1:01:18 Speaker 03 It's a partner brand affiliate.
1:01:20 Caleb Hammer? No link in the description, by the way. Cue, purchase Gamer Subs instead, better affiliate cuz it's 40 cents a serving through my link. Make your energy drinks at home like you make your coffee at home, save some money. Get your free samples to see what flavor you like, link in the description below. Use code Caleb to get those free samples, then order the flavor you like. 40 cents a serving, no more $4 energy drinks at the gas station. Okay, you got office chair, chair wheels cuz I guess you had none of those. He has new gaming monitors cuz your framerate wasn't good enough.
1:01:49 Speaker 03 That was a gift.
1:01:50 Caleb Hammer? Or who?
1:01:51 Speaker 03 A friend. His, he went through a crazy time and somebody broke his monitors, so he knew.
1:01:58 Caleb Hammer? He got angry and broke his monitors?
1:02:00 Speaker 03 Not him, somebody in his household.
1:02:02 Caleb Hammer? Okay, micro SD card for your Switch, probably. Lots of Red Bulls, again, that is use Gamer Subs, it, first of all, everything tastes better than Red Bull, but that certainly does. Use Gamer Subs, it is so good. It's seriously so good.
1:02:17 Speaker 03 I, I've never tried it.
1:02:18 Caleb Hammer? We're working on our own flavor right now.
1:02:20 Speaker 03 Nice.
1:02:21 Caleb Hammer? Brandon, you wanna go get him, make him a little sample of our flavor? Potentially our flavor, that's not 100% known. Yeah, go make him a little sample, give me a full review.
1:02:30 Speaker 03 Alright.
1:02:30 Caleb Hammer? Like a strong or weak?
1:02:32 Speaker 03 You can make it strong. We'll do the full flavor, honest review.
1:02:36 Caleb Hammer? Yeah, I mean, this is gonna be strong, you can't complain to that, it's too strong. Uh, yeah, lots of gaming shit, gaming shit, gaming shit, gaming shit, okay, wait, something was in the cart, no it wasn't.
1:02:47 Caleb Hammer? Last live one month ago, what are you doing? If you actually were making money off of that, what the are you doing, man?
1:02:52 Speaker 03 I just have to prep for everything and I
1:02:56 Caleb Hammer? Prep?
1:02:56 Speaker 03 I just a mentality thing. I I have to set up the PC and
1:03:02 Caleb Hammer? Average viewers of 80.
1:03:04 Speaker 03 Yeah.
1:03:06 Caleb Hammer? Okay. It's not really a career. That would be a career by now.
1:03:13 Caleb Hammer? Oh. Oh.
1:03:16 Speaker 03 What's up?
1:03:17 Caleb Hammer? Oh, that's why dude dude streaming a dude streams from midnight to 4am.
1:03:23 Speaker 03 Yeah.
1:03:23 Caleb Hammer? Who's watching?
1:03:25 Speaker 03 Around the world.
1:03:26 Caleb Hammer? Yeah, but
1:03:30 Caleb Hammer? that's probably not the best. Well, you got zero new subscribers, even though actually with 80 concurrents, you should be getting a couple of new subscribers, at least Twitch primes. What the are we doing? I don't think you're streaming at the right time, dude.
1:03:42 Speaker 03 No, I'm not. That's the problem and
1:03:45 Caleb Hammer? Well, why are you streaming from midnight to 4am? So it's as if your ship is 80% USA. That actually really doesn't make sense. What time do you get home?
1:03:55 Speaker 03 Uh, I get home around 11, 1130 from work.
1:03:59 Caleb Hammer? What is this doesn't make any sense. Oh shit, you can't see revenue on the mobile version, can you?
1:04:05 Speaker 03 Hmm, uh, I don't get any very much revenue on there.
1:04:09 Caleb Hammer? How many subs do you have?
1:04:11 Speaker 03 Not much because I don't even advertise like, hey, subscribe to me or anything. I do it terribly and that's, that's the problem that I'm having with them.
1:04:17 Caleb Hammer? This is like
1:04:18 Speaker 03 Um, and I just rebranded from my previous name to this and it went, you know?
1:04:27 Caleb Hammer? Dude, just a CS:GO gamer knocked up an 18 year old and left. That's really all this is.
1:04:33 Speaker 03 Yeah.
1:04:33 Caleb Hammer? That's all it is, man. That's all this is. What are you doing? I'm sorry, a little bit loser behavior. Who
1:04:42 Speaker 03 Uh, I don't even know.
1:04:43 Caleb Hammer? Really? Because that's like the one person you
1:04:48 Caleb Hammer? Okay, you follow Onyx Pixel, Nate Shot. You don't know who it is? It's one of the three people you follow?
1:04:55 Speaker 03 I think the, uh, a friend.
1:04:58 Caleb Hammer? A friend or an attractive woman you wanna?
1:05:01 Speaker 03 No, I think it's my coworker's girl, uh fiance.
1:05:05 Caleb Hammer? Mm-hmm.
1:05:06 Speaker 03 And he's just told me to follow.
1:05:07 Caleb Hammer? This doesn't make any sense. If you're making no money, why the in August 2025 are you spending 8,000 hours in a single month on CS:GO? Like, it makes no sense. You're making nothing back. I would allow you to spend what you make. I would allow you to spend what you make on just Twitch, okay? I would rather you spend more time with your kid.
1:05:23 Caleb Hammer? But, you know, you didn't.
1:05:26 Speaker 03 Yeah.
1:05:27 Caleb Hammer? Yeah. Energy drink. This is our potential flavor.
1:05:32 Caleb Hammer? Yummy. Pour me one.
1:05:34 Speaker 03 I got you one, big guy.
1:05:36 Caleb Hammer? Thank you. Let me see.
1:05:38 Speaker 03 I made it strong.
1:05:43 Caleb Hammer? Quite strong. Well, no, actually, I think it's pretty nice.
1:05:50 Caleb Hammer? Not the official flavor yet.
1:05:53 Speaker 03 Tangerine or?
1:05:54 Caleb Hammer? No. Freak.
1:05:59 Speaker 03 That's what I'm getting off of it, like tangerine or mango?
1:06:02 Caleb Hammer? Cherry apple.
1:06:03 Speaker 03 I wouldn't.
1:06:03 Caleb Hammer? This one.
1:06:05 Speaker 03 Yeah, I wouldn't have guessed.
1:06:05 Caleb Hammer? We don't know. We don't know for sure. Might be. We're testing. Testing. What do you think? You're getting very caffeinated right now, is you. Sip.
1:06:14 Speaker 03 Oh, that's, it's actually pretty good. I would never put cherry and apple in a, I don't know anything that comes in a cherry apple.
1:06:21 Caleb Hammer? Ladies and gentlemen, we got a winner. You'll be able to taste that soon. We're gonna dial in it in a little bit. Okay, apple card.
1:06:30 Speaker 03 Uh, bought a new iPhone.
1:06:33 Caleb Hammer? Not for $3,749.15.
1:06:36 Speaker 03 Uh, no, uh, that was, that was when I made the mistake of spending $2,000 on that one skin for a thousand of them.
1:06:44 Caleb Hammer? Oh, my dude. Okay, what is your portfolio worth?
1:06:47 Speaker 03 Portfolio?
1:06:48 Caleb Hammer? Um.
1:06:51 Speaker 03 It was a
1:06:52 Caleb Hammer? That's right. It fully tracks it, doesn't it?
1:06:54 Speaker 03 I wish it did.
1:06:55 Caleb Hammer? Might need to sell these, pay off the cards and actually be a father.
1:06:58 Speaker 03 You guys have the paperwork, the statements of how much I spent from Steam, right?
1:07:02 Caleb Hammer? Oh.
1:07:04 Caleb Hammer? Oh. Command? Okay, these are two, oh! Buddy, just what's your value? What's your estimated value? This is five pages, dude.
1:07:13 Speaker 03 Just, just look at this. This is one page, two page, three page. That was two pages.
1:07:18 Caleb Hammer? I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new Dollar Wise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt Dollar Wise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever.
1:07:59 Caleb Hammer? Download now, take your free trial to test it out and get the monthly plan at a 33% discount for three months or take the annual plan for an insane 50% discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click those links below.
1:08:43 Caleb Hammer? Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon, a game-changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever and Dollar Wise is about to alter the future of personal finances, we know it. Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting.
1:09:10 Caleb Hammer? What are we doing here? Guys, what are we doing here? What are we doing here? What is... What are we doing?
1:09:17 Speaker 05 Caleb, Caleb!
1:09:20 Speaker 05 Can you show them the new Dollar Wise logo?
1:09:23 Caleb Hammer? Introducing Dollar Wise Reimagined.
1:09:31 Caleb Hammer? Dollar Wise, rewrite your money story.
1:09:51 Caleb Hammer? The old Dollar Wise is dead.
1:10:03 Caleb Hammer? Page four, page five, page six, what a [bleep] joke. And those are all just expenses on [bleep]. That's insane.
1:10:10 Speaker 03 Yeah, this is everything from Steam. Um, I'm hoping it's around 120,000.
1:10:14 Caleb Hammer? What the [bleep]? So you're suggesting you've paid about that?
1:10:18 Speaker 03 Uh, less.
1:10:20 Caleb Hammer? You're just really hoping it went up? Buddy, I don't know. This Apple Card, $161.95 a month, takes 17 years to pay off. It's almost, uh, ripe for another one.
1:10:31 Speaker 03 Yeah. It's outrageous, but...
1:10:35 Caleb Hammer? I'm just saying, it's almost impregnable. For you.
1:10:38 Speaker 03 Oh, man. Psy go there.
1:10:41 Caleb Hammer? No, why did? Apple bill? Superstar car wash, actually, in the desert, I'll accept it. Nitro monthly. Already pre-grooming someone on Discord. And then HBO Max. I don't think you need HBO Max. What do you... HBO Max is incredible. I mean, YouTube Premium, HBO Max, Apple TV. And I think you've [bleep]. That's like everything, okay? And Hammer Elite, of course. But besides that, you don't even spend... You just game all day. Why the [bleep]? What ooooh, what time do you have for HBO?
1:11:09 Speaker 03 I have HBO because it's the three-pack. Disney Plus, Hulu Plus. Um, to together plan.
1:11:17 Caleb Hammer? What? Not with HBO?
1:11:18 Speaker 03 Yeah. They had a, they had a, they had a subscription plan that was HBO Max, Disney Plus and Hulu at one point.
1:11:25 Caleb Hammer? Okay. Why do you need any of those anyway? Disney sucks and Hulu sucks.
1:11:29 Speaker 03 I, I watch it sometimes. I'm watching it on the go while I'm here in Austin and.
1:11:34 Caleb Hammer? YouTube, man. YouTube is everything.
1:11:36 Speaker 03 Uh, is there a YouTube on there?
1:11:39 Caleb Hammer? Probably somewhere in here, but that's what I would do.
1:11:41 Speaker 03 Subscribe to you.
1:11:41 Caleb Hammer? Cancel this shit.
1:11:42 Speaker 03 I'm subscribed to you.
1:11:44 Caleb Hammer? Good. Then cancel this shit.
1:11:45 Speaker 03 I only did it because you said it was free and I saw I've got my reimbursement.
1:11:49 Caleb Hammer? Okay. Well, let's bring Christian and you can confront him. I was gonna take a look at your shit.
1:11:54 Speaker 03 Cause you're, you guys were advertising, hey, subscribe to Caleb Hammer.
1:11:58 Caleb Hammer? Did you submit your proof of purchase?
1:11:59 Speaker 03 And there was no way, no, you click on the link. There's nowhere to submit.
1:12:03 Caleb Hammer? Impossible. It was literally at the bottom. That's a complete lie.
1:12:06 Speaker 03 It didn't say submit.
1:12:07 Caleb Hammer? That's a complete lie.
1:12:08 Speaker 03 No, it just went straight to your website.
1:12:10 Caleb Hammer? Okay. So how did literally tens of thousands of other people do it and you couldn't?
1:12:13 Speaker 03 Cause there was no submit proof of purchase.
1:12:16 Caleb Hammer? Okay. Tens of other thousands of people have done it. Why could you not do it?
1:12:19 Speaker 03 Cause it wasn't there on the website.
1:12:20 Caleb Hammer? Yes. That's good question. Where is he? Get him. He's the one who runs Hammer, Lee. This is impossible. It is impossible that you are, I mean, we got, we got a couple of customer support inquiries, but we dealt with them.
1:12:33 Speaker 03 Yeah. I didn't message you guys or anything.
1:12:36 Caleb Hammer? After the promotional period ended?
1:12:38 Speaker 03 Was this the time in February or January?
1:12:40 Caleb Hammer? January.
1:12:41 Speaker 03 Or January. Yeah. So.
1:12:43 Caleb Hammer? So you did it in February?
1:12:44 Speaker 03 I, I subscribed in January and.
1:12:46 Caleb Hammer? Did you submit proof of purchase in February?
1:12:49 Speaker 03 Uh, that's probably when I was probably looking for after.
1:12:51 Caleb Hammer? Well, that was the end of the, the promotion was done. That's, are you stupid? No shit. It wouldn't be there.
1:13:00 Speaker 03 Well, all right.
1:13:01 Caleb Hammer? Why that? Dude, that is not our fault. Are you stu- are you actually stu-
1:13:11 Caleb Hammer? I'm sorry, that's moronic. You can't complain about not being able to submit the submit the proof of purchase outside of the promotional period. Tens of thousands of people literally did it. They were perfectly fine. How can you complain about that?
1:13:26 Speaker 03 When I clicked on the link, it it just brought up your website. There was no way to click on it.
1:13:29 Caleb Hammer? Because it was done. So it was no longer there.
1:13:32 Speaker 03 Okay.
1:13:33 Caleb Hammer? Hammer Elite.com still exists to this day. No, you can't take advantage of a promotion that is already done. What do you mean?
1:13:42 Caleb Hammer? At the time we're filming this, the cookbook's gonna be done at the end of this month. When people go to dowdwise.com after that, doesn't mean the cookbook should still be there. It's gonna be done. It's gonna be gone. Promotion's done. What do you mean? That's the toughest thing I've ever heard in my life. Like, what the fuck am I supposed to do with that? I can't help you if you are dumb to not follow instructions.
1:14:01 Speaker 03 Okay.
1:14:04 Caleb Hammer? Right?
1:14:04 Speaker 03 Yeah.
1:14:05 Caleb Hammer? Can we at least agree on that? That is not our fault, nor our problem?
1:14:10 Speaker 03 I I guess unless I had a cashier on your website and it
1:14:14 Caleb Hammer? What?
1:14:15 Speaker 03 Yeah, cashier.
1:14:15 Caleb Hammer? If you were trying to submit when the promotion was done.
1:14:19 Speaker 03 I I'm just saying what I saw and it wasn't there.
1:14:21 Caleb Hammer? Because it was in February when the promotion was done.
1:14:25 Speaker 03 I can't remember if it was in February or January.
1:14:27 Caleb Hammer? Well, I can't see, asshole.
1:14:29 Speaker 03 It's already done.
1:14:30 Caleb Hammer? And did you reach out to support?
1:14:31 Speaker 03 No.
1:14:32 Caleb Hammer? Well, that's also your fault!
1:14:34 Speaker 03 And you always coming on the show, so I thought I'd bring it up.
1:14:36 Caleb Hammer? Two months later? Oh, my gosh.
1:14:40 Caleb Hammer? So it doesn't reach out to support, yet is complaining to be a victim. Submit, tries to submit outside of the promotional period, and is claiming to be a victim. No wonder your brother tried to get you the [__] out. I want I want to get you the [__] out of my studio. Okay, hundreds of dollars of inches of [__] This is so stupid. Oh, here's a firm. We love a firm. So you are a buy now, pay later boy.
1:15:02 Speaker 03 Yes, we all are.
1:15:03 Caleb Hammer? Nope.
1:15:04 Speaker 03 They go on the show.
1:15:06 Caleb Hammer? These days, yes, getting more and more common. $3,008.77. What are you even using? What are you even getting on here?
1:15:13 Speaker 03 Uh, PC parts.
1:15:15 Caleb Hammer? You haven't even, then what did you get?
1:15:19 Speaker 03 Uh, graphics card, RAM.
1:15:22 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
1:15:51 Caleb Hammer? What graphics card?
1:15:52 Speaker 03 Uh, 5070.
1:15:55 Speaker 03 RAM.
1:15:56 Caleb Hammer? Isn't 5070 TI the one that's considered like the good, best value for the money?
1:15:59 Speaker 03 I got that one for free.
1:16:01 Caleb Hammer? Why'd you buy a 5070 then?
1:16:02 Speaker 03 Uh, I bought a 5070 and then I got a 5070 TI for free at a store for winning a competition.
1:16:09 Caleb Hammer? Did you sell your 5070 then?
1:16:11 Speaker 03 Uh, I still have it. I'm thinking about selling it.
1:16:13 Caleb Hammer? Oh, you don't have any money and you have a lot of debt.
1:16:16 Speaker 03 Yeah. And then I went into a PC store in the back in the dumpster and I dug through it and I found a 4060 TI, brand new in box. That works. So I'm trying to sell that.
1:16:29 Caleb Hammer? Salad?
1:16:29 Speaker 03 I'm trying to sell that one, yeah.
1:16:30 Caleb Hammer? Okay, great. Okay, you have a child of which you take money from his mother.
1:16:38 Caleb Hammer? Sell your fucking graphics cards asshole. Dude, what the, what the fuck's wrong with you? I just, I hope to never become this pathetic, I really do. I really do. $752 and also it's just like, I'm being, like, I'm being rightfully mean to you, yet people will still see this, like the weird virtual signal, virtue signalers on the internet will still see this and like Caleb's only mean to women. Ah, this is like, no, this guy's a pathetic piece of shit and I'm calling him out. Not because of that, but just like, and I call people out how they are. $572.18 a month is what I'm guessing it is if it's actually paying for. We'll see. Okay, Amazon Chase card. Well, we know you already spent on Amazon and other card, but.
1:17:21 Caleb Hammer? Nine years to pay this one off. Two thousand three hundred twenty six dollars and twenty three cents. One hundred thirty six dollars and eighty four cents is owed on here.
1:17:34 Caleb Hammer? On a monthly basis.
1:17:37 Caleb Hammer? No purchases, but interest accrued, only made the minimum payment, so you're gonna have this for nine years.
1:17:43 Caleb Hammer? Okay, you were late last month, last year. You had a late fee last year. The shock, the face of shock that every guest has when I tell them that.
1:17:52 Speaker 03 On Amazon?
1:17:53 Caleb Hammer? On Amazon.
1:17:55 Caleb Hammer? I don't know, I don't have the month, I just know it happened within the previous year. Twenty twenty five.
1:18:01 Caleb Hammer? What were you getting on this card that you were late on?
1:18:04 Speaker 03 Can I see it? I'm sorry.
1:18:06 Caleb Hammer? You're not gonna see anything, but yes, here's a fee, that's a late fee. That's the number that a late fee is on Chase cards.
1:18:16 Caleb Hammer? Yeah.
1:18:16 Speaker 03 No, it's twelve twelve. I thought I, I thought I paid it and I, I looked back at my statement and I.
1:18:23 Caleb Hammer? How'd you just get that from that? You, you learned nothing new.
1:18:26 Speaker 03 No, no, I, I forgot they even had a late fee, cuz I usually am on time on my.
1:18:30 Caleb Hammer? Hey, you weren't.
1:18:31 Speaker 03 Yeah, I usually am, like, I usually don't have late fees.
1:18:35 Caleb Hammer? Okay, but you did. Twenty seven point seven four percent interest. Hundreds of dollars of interest accruing. It's horrendous. What do, what are we even buying on this card? Two thousand three hundred twenty six dollars?
1:18:47 Speaker 03 Usually food or gas.
1:18:48 Caleb Hammer? Oh no, this was new furniture after you just left your girlfriend. Or your pregnant girlfriend. Bro, what the [__] are we doing? Can I call her in the post-show too? I'm gonna try to call your brother and we're definitely gonna call her, that's for sure. I gotta make sure she does not give back with you. Okay, quick silver. What's going on with this?
1:19:11 Speaker 03 How much is it?
1:19:12 Caleb Hammer? Two thousand fifty eight dollars and twelve cents. What's going on with this? Sixty dollar minimum monthly payment. Thirteen years to pay off. You only made a twenty five dollar payment that you purchased six hundred forty three dollars and seventy three cents, well thirty nine dollars and ninety one cents of interest accruing. What is wrong with you? Why do that? You have a child and you're not even his [__] life! Why? What are you do- Oh, it's all bullshit! What are you doing? What are you doing, guy? Guy, what are you doing?
1:19:46 Speaker 03 Spending money? I, I don't even know what I'm spending money on anymore.
1:19:51 Caleb Hammer? Glad you clarified. It was spending money. Peak intelligence across for me today. Coffee, coffee, make it at home. Make your energy drinks at home. Make your coffee at home.
1:20:03 Caleb Hammer? Get a sponsorship from coffee, something, I don't know. From your no streaming that you do and your 80 viewers, whatever. Golden finger, golden finger, Chick-fil-A, steam purchase, steam purchase, steam purchase, steam purchase, steam purchase. Holy smokes for $151. What's that?
1:20:21 Speaker 03 Uh, I bought cigars.
1:20:24 Caleb Hammer? Why? You have nothing to celebrate. Your life is pathetic.
1:20:26 Speaker 03 It was my first time going out in a while with coworkers and so, uh, everyone brought something. So I brought cigars.
1:20:32 Caleb Hammer? When all those Mexican trying to find another 18 year old Hispanic. Bam, King Donuts. Going inside, getting into bullshit, getting your energy drinks. I know what it was. Todd Mary's Scooters Coffee Burger, King McDonald's Water Burger. Water Burger. What are you getting at Water Burger? The worst burger ever made in the history of burgers.
1:20:54 Speaker 03 Honey, new chicken biscuit.
1:20:55 Caleb Hammer? Okay, I'll allow it, except not you. You have a kid.
1:21:02 Caleb Hammer? Interest accruing. That's accruing. Goodness, what's he even?
1:21:14 Caleb Hammer? This lady's bullshit spending is $3,000 in one month. Oh, hold on. You're bringing $4,000 a month net. Yep, that's right. It was 4,075.
1:21:25 Caleb Hammer? Also a new loan hit, but regardless of that, how much? You spent $8,826,61 cents. Wait, if you make $4,000 hours and $3,000 hours into this lady's bullshit. Oh, you're a father. You're, this is pathetic. This is pathetic. This is pathetic. Oh, buddy, I'm disgusted. I'm disgusted. I'm disgusted.
1:21:50 Caleb Hammer? What are we doing? What is your life? What is your life? What's your rent?
1:21:57 Speaker 03 $1,250.
1:21:58 Caleb Hammer? Okay, well, mix that with your miscellaneous bullshit and you're already overspent your income. It makes no sense. What? What? What do you want to say?
1:22:05 Speaker 03 I also eat at work, so I don't make my own meals.
1:22:09 Caleb Hammer? Do they provide?
1:22:10 Speaker 03 Uh, no, they, you go in the cafeteria and you use your badge to pay for your meal. So they take it away.
1:22:17 Caleb Hammer? You spend 75% of your income on miscellaneous bullshit on a monthly basis alone. That's what we're going, that's not even eating out.
1:22:22 Speaker 03 Every two weeks at work.
1:22:24 Caleb Hammer? Die. Blue cash every day.
1:22:28 Caleb Hammer? Are you trying to date? Anyone?
1:22:30 Speaker 03 No.
1:22:30 Caleb Hammer? Okay. Next time you do. Stop making mouth noises. $40 a month. $1,998.87 balance takes eight years to pay off. Spending more than you put towards it. You're literally maxed out. So stupid. Oh, Steam purchase, Amazon, Amazon, which is all gaming equipment and shit. We saw Amazon, Amazon, Amazon. You can, yeah, you can drink as much as that as you want. It is caffeinated, fair warning, but we'll also have the hydration drink version too. So stay tuned for that. It's gonna be good. Yummy though, right?
1:23:05 Speaker 03 Yeah, yeah, it's really good. The first time I ever tried it too.
1:23:08 Caleb Hammer? Yeah, everyone thinks we're like, like just like, ooh, cuz I get an affiliate, obviously. So I'm like, oh, it's so good. No, it's like actually good. Everyone that tries it like is blown away.
1:23:18 Speaker 03 Also, one of the cards I had to put, um, I had to pay rent once with it.
1:23:22 Caleb Hammer? Yep, $3,000 a month on miscellaneous bullshit and skins. Fuck you. Fuck you, you have a child. Pathetic. Credit one. $57 a month. Balance maxed out, shocker, $46 in credit availability. $1,603.90 on a monthly basis. Eight years to pay off. What the are we doing? You didn't see any purchases. You can't, you're maxed out. Quicksilver, what's going on?
1:23:50 Speaker 03 One thou- I just got braces.
1:23:52 Caleb Hammer? Yeah, you did. We hear it.
1:23:53 Speaker 03 I'm sorry.
1:23:54 Caleb Hammer? One thousand eight dollars, twenty-five dollars a month. What is this, down payment on braces?
1:23:59 Speaker 03 Yeah, the down payment and then one forty a month after, for fourteen months.
1:24:03 Caleb Hammer? Whatever happened to that, like, clear shit that everyone's doing, so you don't have to get braces?
1:24:07 Speaker 03 They don't, Dorothea Dantos didn't prefer it.
1:24:11 Caleb Hammer? Well, yeah, they wanted to make money.
1:24:13 Speaker 03 It was more costly, too.
1:24:14 Caleb Hammer? Ah, listen, buddy, I'll let you use the mine card, used to be the fizz card, but it's the mine card now. Credit, it's a debit card that builds credit. It only lets you spend what's in your checking account, and that's all you're capable of, because this is so and stupid, stupid, okay? Makes no fucking sense.
1:24:34 Caleb Hammer? I mean, I can't get you a course course certification. Power washing, or? I don't know. I don't know. I'll get you one in accounting, so if you ever are successful in your business, you can do accounting. Listen, so I'll get you the free course course certification, too. So we have another credit one, this is crazy. Oh, it's all skins? You're using credit one, the worst credit card there is in the history of the fucking world on skins?
1:24:57 Speaker 03 Yeah.
1:24:58 Caleb Hammer? A hundred and thirty-four dollars owed, minimum payment seventy dollars.
1:25:03 Caleb Hammer? Paying for your credit report to understand why? Steam purchase, steam purchase, steam purchase, steam purchase, steam purchase, steam purchase, steam purchase, steam purchase, steam purchase. What is wrong with you? Dude, this is insane, the interest and fees, twenty-seven point four percent interest rate, what are you fucking doing? What in the pathetic joke excuse of a fuck you is this? This is, dude, you have a child, you have a child, you have a child, are we forgetting that you have a child? What do you mean you're gonna?
1:25:37 Caleb Hammer? This is insane.
1:25:39 Speaker 03 Yeah.
1:25:39 Caleb Hammer? How, how do you even go about, like, you just see these random skins, or you refresh it on a daily basis? What is happening?
1:25:45 Speaker 03 Just see what's on sale and see what, what's, what's to keep and what's going up and. See, see from there. It's hard to depict because they're all like considered NFTs at this point.
1:25:58 Caleb Hammer? You need a new hobby.
1:26:03 Speaker 03 Yeah.
1:26:04 Caleb Hammer? What is wrong with you?
1:26:06 Speaker 03 That's why I wanted to do the detailing business to get out of.
1:26:09 Caleb Hammer? That's not a hobby. I don't know, man. You're gonna put money into that.
1:26:12 Speaker 03 That's why I had investors.
1:26:14 Caleb Hammer? Investors? That's moronic. Okay. How much are they willing to invest for? What percentage?
1:26:18 Speaker 03 Um, it's 1,200, uh, $12,500 to get all the equipment and everything and the advertising. And then I'm hoping to get them back within 90 days.
1:26:26 Caleb Hammer? What? That's a loan. That's an investment.
1:26:28 Speaker 03 No, no. 90 days to get the initial loan and then I'm.
1:26:31 Caleb Hammer? Loan? What about the investor?
1:26:33 Speaker 03 Well, the loan, the investor to get them back to their money back.
1:26:37 Caleb Hammer? Huh? What? What? They're an investor. They'd get a percentage of the company. That's a loan if they're getting their money back.
1:26:42 Speaker 03 Yeah. And on top of that, they'll get a percentage. I don't, I don't know how much yet.
1:26:46 Caleb Hammer? You don't know how much? You're saying you have investors, but you don't know how mu-
1:26:48 Speaker 03 I, I, it's still.
1:26:49 Caleb Hammer? And they need their money back in 90 days?
1:26:52 Speaker 03 That's what I want to promise to them.
1:26:53 Caleb Hammer? Is that an investor? That's a, dude, every time we dig deeper into a subject that you try to talk about, you're just a. I'm sorry. I'm so sorry. I'm so sorry. But a moron. That's insane. You're not making that money back in 90 days. Why put yourself in that level of risk? That's disgusting. That's insane. What the fuck are you doing? That's horrendous.
1:27:17 Speaker 03 Yeah.
1:27:17 Caleb Hammer? Yeah, yeah.
1:27:18 Speaker 03 I, I mean, I, I feel like I have the mentality to do that.
1:27:22 Caleb Hammer? Your mentality. Buddy, have we not learned of anything in this entire conversation that your mentality is absolutely broken on every perspective you've ever had in the history of this world?
1:27:30 Speaker 03 I'm a different worker. Like.
1:27:32 Caleb Hammer? Worker? What worker are you? You worker.
1:27:36 Speaker 03 I, I like to actually work.
1:27:37 Caleb Hammer? I don't get, what? The liking doesn't work, doesn't, what? This doesn't immediately provide initial return. You don't all of a sudden get to pay $13,000 back in 90 days because you like to work, because you like to work. What? What? That is not all of a sudden what makes money, liking it. Liking it doesn't make money.
1:27:56 Speaker 03 I, I.
1:27:57 Caleb Hammer? It helps.
1:27:58 Speaker 03 It definitely helps.
1:27:59 Caleb Hammer? It definitely helps. But that is not.
1:28:00 Speaker 03 It motivates you.
1:28:01 Caleb Hammer? That is not a business strategy. That is not a business plan. That is not an investment return strategy saying, I like it.
1:28:09 Speaker 03 I have a mentality to work and when I do work, I work hard.
1:28:16 Caleb Hammer? Not really. You got kicked out of the last business you had. Oh, so I don't think so. Didn't work hard enough to stay with your fucking baby mama.
1:28:27 Speaker 03 That was just me being a mentality.
1:28:31 Caleb Hammer? Yeah, your mentality horrendous, destroyed, bad person. Okay, we opened another credit one. What did we open it for for chat GPT? What are you chat GPT for?
1:28:41 Speaker 03 Uh, it does all my scripting and everything like that for my website.
1:28:46 Caleb Hammer? What?
1:28:47 Speaker 03 Yeah.
1:28:48 Caleb Hammer? What the are you talking about?
1:28:49 Speaker 03 I have a website and it wrote up.
1:28:52 Caleb Hammer? What website?
1:28:53 Speaker 03 Uh, I can't say it, can I?
1:28:55 Caleb Hammer? No, what is it for?
1:28:56 Speaker 03 It's for my for my Twitch stuff. So instead of having a link tree.
1:29:01 Caleb Hammer? Free version.
1:29:02 Speaker 03 It it does other stuff too. And so it's 20 bucks a month and I figured.
1:29:06 Caleb Hammer? You're already investing into this business. It makes no sense. Oh, my gosh, this guy, dude, you're dude, this is so stupid. I'm not gonna put it as a debt because it's just one purchase and you better pay it off. Oh, what is this? What is this? What did you borrow? Fourteen thousand nine hundred fifty dollars for at an eight point six four four seven percent interest rate of death.
1:29:28 Speaker 03 What is?
1:29:29 Caleb Hammer? What? This is the biggest loan so far and you can't tell me?
1:29:31 Speaker 03 Oh, that's my I paid off all my credit cards at one point with the with.
1:29:37 Speaker 03 No, I paid him off.
1:29:38 Caleb Hammer? Oh, four or three.
1:29:39 Speaker 03 Recently.
1:29:40 Caleb Hammer? And what is this?
1:29:41 Speaker 03 That's my four or three B that I took out.
1:29:44 Caleb Hammer? Oh, so you didn't pay it off asshole. You took out money from your retirement.
1:29:47 Speaker 03 Yeah.
1:29:48 Caleb Hammer? Ah, by the way, an eight point six four seven percent interest rate.
1:29:52 Speaker 03 Paying myself back.
1:29:53 Caleb Hammer? You're losing thirty percent of the market that we gained last year instead. Not only that, lose your job or quit your job, which I know you're considering. This is called due.
1:30:03 Speaker 03 Yeah.
1:30:04 Caleb Hammer? Yeah. And you got a liquidated tax and fees. Okay, so I won't write that down because that gets taken before your income. Uh, okay, ally 6.34 on a car.
1:30:14 Speaker 03 This is my truck. Yeah, I refinanced recently.
1:30:17 Caleb Hammer? Oh, yeah, you did it like a rate that's like not like crazy good or something.
1:30:21 Speaker 03 No, I had a better rate and my mom said that I had to refinance because they were getting, uh, my dad was getting.
1:30:27 Caleb Hammer? Just cut off your mom. Where are you hearing things? Your dad was getting a lawsuit too. Very litigious family.
1:30:32 Speaker 03 Yeah.
1:30:33 Caleb Hammer? Yeah. Okay. I understand your dad getting lawsuit.
1:30:37 Speaker 03 I think that's where my spending stems from is my father.
1:30:40 Caleb Hammer? Oh, shut the up. You victim crybaby, a little piece of shit. Have a little bit of personal responsibility. I'm so done with you. $352.28 on a monthly basis. You owe $14,902 on a car that's worth what?
1:30:52 Speaker 03 Uh, 20,000 right now.
1:30:54 Caleb Hammer? 22.
1:30:56 Speaker 03 And I just got hit last week.
1:30:58 Caleb Hammer? Did you deserve it?
1:30:59 Speaker 03 No, it was a hit and run. Lady was on her phone and she drove into the front bumper and just drove off.
1:31:05 Caleb Hammer? 598 in this checking account, Adobe subscription, Panera Bread, barber shop, going inside, getting some energy drinks, Taco Bell bullshit. Oh, no, that actually might be gracious. When is I got an energy drink? Skins, GitHub. Oh, energy drink, energy drink. And oh, wait, what's W energy?
1:31:24 Speaker 03 That's my sponsor.
1:31:26 Caleb Hammer? That you were spending on?
1:31:28 Speaker 03 Uh.
1:31:28 Caleb Hammer? 46, 48, 47?
1:31:30 Speaker 03 Yeah, I, I bought that for a couple. It was like Christmas time and.
1:31:35 Caleb Hammer? So stupid. Discord again. We already had Discord on another one. Double grooming, I guess. Steam purchase, Steam purchase, Amazon Steam purchase, Steam purchase, Taco Bell. Am I not entertaining enough for you?
1:31:46 Speaker 03 Uh, no, I got, I got a ping from Chase right now. I, I just overdrafted.
1:31:51 Caleb Hammer? Did you really?
1:31:52 Speaker 03 Yeah.
1:31:53 Caleb Hammer? For what?
1:31:53 Speaker 03 Uh, car payment.
1:31:56 Caleb Hammer? Okay.
1:31:57 Speaker 03 Yeah, forty one, negative forty one twenty three.
1:31:59 Caleb Hammer? Also, he could do this W purchase, theme purchase, theme purchase. Okay.
1:32:06 Speaker 03 Do I need to text my baby mama and see if she'll send me some money to cover my overdraft?
1:32:10 Caleb Hammer? I'm done. Go. I, I need you to get away from me. Go take your piss. Go take your piss. I'm fucking done. Just get the fuck out of here. What a pathetic excuse of a piece of dick. Close that door. Close that door. You hammer financial score, he can go fuck himself. I'm fucking done. Get yours to Caleb Hammer.com. I'm gonna call his baby mama and try to call his brother on the post show. Look at this. This is three pages of absolute bullshit spending. And then he just overdraft on it for his car payment. What a pathetic joke of a man. I was gonna do his budget until that very moment. So I don't wanna, yeah, I'm done. See you guys in the post show. Join Hammer Elite. It's gonna be a good post show, but I need a break from this piece of dog shit.
1:32:57 Caleb Hammer? Do you know me by any chance? No. I wanted to get your side of the story, because honestly, I think your brother's a liar, and I think you were probably in the right. Next week is the final week. Don't forget to download the new Dollar Wise Budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March thirty first. Take a free three day trial to test it out, and then you get the monthly plan at a thirty three percent discount for the first three months, or the annual plan at an insane fifty percent discount. And with the annual, you get my budget friendly cookbook and my brand new thirty day detailed budget meal plan signed by me and mailed directly to you. After March thirty first, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial. Go to dollarwise.com or click the link below.
Previous Failed OF Girl Has $8.10 In Her Checking Account | Financial Audit Next $418,000 Of Debt To "Flee Trumps America" | Financial Audit Page updated October 31, 2026 · transcript and summary are machine-generated