Financial Audit's First Furry

Ohhhh the drama is spicy af with bbno$... we go into full details in todays post show... this is absolutely crazy and has never been done in Financial Audit history... Watch here: ➡️ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb ============================= Our Sponsors for This Video ============================= ➡︎Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ➡︎Go to zocdoc.com/caleb to find and instantly book a top-rated doctor today #sponsored ============================= 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 ============================= 👉 I'VE MOVED MY INVESTMENTS TO 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://chime.com/calebhammer 👉 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 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.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 09:25 why is it always taxes.. 23:22 financial audit's biggest pissing contest 40:30 lil bro got his c*ck on google lmao 49:40 thats a decent chunk of change.. 01:08:30 raising canes is kinda valid though 01:25:00 Budget!! ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= Connect with me! ============================= TikTok: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= Want to be a guest on Financial Audit? ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. This is the shortest I've talked to a guest before we started filming, because I don't know what the [bleep] to look at. Your fur collection, how much?

• 1:09Speaker 03

  I've probably spent at least 12 grand on my fur collection. Ay, yo, what the [bleep]? You know why I have all this debt? Is because I know in the future I'm gonna have money. I'm destined for it.

• 1:16Caleb Hammer?

  Please tell me how you're destined for money.

• 1:18Speaker 03

  My drive, my skill set.

• 1:20Caleb Hammer?

  Buddy, I have met some driven [bleep].

• 1:23Speaker 03

  No, that's me. You're talking to him right now.

• 1:25Caleb Hammer?

  Not after this!

• 1:28Caleb Hammer?

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• 1:48Speaker 03

  Hi, my name's Dakota. I'm 23 years old and I'm from Detroit, Michigan, and this is Financial Audit.

• 1:55Caleb Hammer?

  I'll be honest, ladies and gentlemen.

• 1:58Caleb Hammer?

  This is the shortest I've talked to a guest before we started filming because I don't know what the to look at. It's this is very weird. Also, I've seen furry stuff online.

• 2:08Speaker 03

  What do you mean by that?

• 2:10Caleb Hammer?

  Um, I've never seen it in person and it's huge. And it's huge. Um, well, I think I I've always had a dream. We've all we've we've all had our dreams. Um, Lindsay's had a dream. I've had a dream. My dream's been to get a midget. A midget. But Lindsay's dream has been to get a furry. And I believe she has accomplished her dream. There's a chain hanging from her. Okay.

• 2:37Speaker 03

  Well, you you had mentioned.

• 2:39Caleb Hammer?

  Are we leaving that on?

• 2:40Speaker 03

  No, no, no, no. It's gonna come on.

• 2:42Caleb Hammer?

  You want to take it off?

• 2:42Speaker 03

  I would love to take it off.

• 2:44Caleb Hammer?

  You would love to take it off?

• 2:45Speaker 03

  It's so hot in here.

• 2:47Caleb Hammer?

  Take it off.

• 2:48Speaker 03

  Thank fucking god. Holy shit.

• 2:50Caleb Hammer?

  He's a normal looking dude. This is like when they unmasked Kylo Ren in episode seven and you thought it was gonna be some evil motherf-

• 2:59Speaker 03

  Evil, yes. As far as I know.

• 3:06Caleb Hammer?

  Well, now I know how to actually look at you. This is the weirdest Star Trek episode I've ever experienced. This is so fucking weird. Um, okay, well, I guess really establishing you.

• 3:16Speaker 03

  Mm-hmm.

• 3:16Caleb Hammer?

  You look so normal. A little emo.

• 3:18Speaker 03

  What'd you expect?

• 3:19Caleb Hammer?

  A fucking-

• 3:20Speaker 03

  Tell me.

• 3:21Caleb Hammer?

  Well, a middle-aged, until you said 23. Fat, greasy weirdo that like has another fat, greasy weirdo that never leaves the basement kind of around a collar that he uses as a pet at home.

• 3:36Speaker 03

  You should see my girlfriend. She's smoking. And she's a furry too.

• 3:41Caleb Hammer?

  Okay, let me see.

• 3:42Speaker 03

  Can I use my phone to show you?

• 3:44Caleb Hammer?

  Yeah, I want to see.

• 3:45Speaker 03

  She's, I'm okay. I'm just saying, like, she's hot, you know?

• 3:48Caleb Hammer?

  I I'm kind of believing it because you're an attractive dude. You're an attractive dude.

• 3:53Speaker 03

  Yeah, you ought to see your face. I guess I can't uh, use one of her in a costume. So here she is right here.

• 3:59Caleb Hammer?

  Yeah, I don't, the costume does nothing for me. That doesn't really show me what anyone is.

• 4:06Caleb Hammer?

  Is there another picture? It's a weird angle.

• 4:08Speaker 03

  Yeah, you know, I guess all of our angles are similar to that.

• 4:12Caleb Hammer?

  We'll get consent to put these in the episode, ladies and gentlemen. Okay, yeah. Hey, I think you're out of her league, I'll be honest, but that's okay.

• 4:19Speaker 03

  That's crazy. I'm gonna have to, I'm gonna have to like talk to her about that when she sees this episode.

• 4:24Caleb Hammer?

  Uh, sure.

• 4:25Speaker 03

  You know what?

• 4:26Caleb Hammer?

  But freaks find freaks, and I'm glad you did. Is this what you do for a living?

• 4:30Speaker 03

  Uh, it, it, it's some income, it's not most of my income.

• 4:33Caleb Hammer?

  What comes in from that? And what is that job?

• 4:36Speaker 03

  Cameo, uh, social media consultations, and I do only

• 4:41Caleb Hammer?

  Oh my

• 4:42Speaker 03

  Clothes. Clothes? Clothes and, uh

• 4:46Caleb Hammer?

  She said you're taking loads, okay?

• 4:48Speaker 03

  No, no, no, no. No.

• 4:50Caleb Hammer?

  Oh, you look like a

• 4:51Speaker 03

  That's the past.

• 4:52Caleb Hammer?

  Oh, okay.

• 4:53Speaker 03

  Well, I mean, I had to know. I had to make sure that I was actually straight.

• 4:56Caleb Hammer?

  Oh, it's, it's a good little test. It's a little test.

• 4:58Speaker 03

  Nothing in, only out.

• 4:59Caleb Hammer?

  How do you go out if you don't go in?

• 5:01Speaker 03

  Well, exit only. You know?

• 5:04Caleb Hammer?

  How do you exit if it's not entered?

• 5:05Speaker 03

  It's not, it's not a question you want the answer to right now.

• 5:08Caleb Hammer?

  Well, actually, it is.

• 5:09Speaker 03

  Well, here's the thing. I needed to make sure that I was straight because, you know, in the furry fandom, it's a lot of gay people. It's mostly gay people, probably by 90%. I'm, I'm saying, I'm saying, I've had sex with two dudes. I can't be homophobic. I've earned the right to say the F slur.

• 5:21Caleb Hammer?

  Did you?

• 5:22Speaker 03

  You know? At least my coworkers that are gay and my friends have said the same thing. I am allowed to say it because

• 5:27Caleb Hammer?

  Say it.

• 5:28Speaker 03

  I'm okay.

• 5:29Caleb Hammer?

  Uh huh.

• 5:30Speaker 03

  You know, because I know how you guys clip stuff, so I'm just gonna leave it at that.

• 5:35Caleb Hammer?

  They sucked it?

• 5:36Speaker 03

  I've sucked

• 5:37Caleb Hammer?

  How was it?

• 5:37Speaker 03

  Um, mediocre, not very entertaining. Sorry, dad, probably gonna watch this.

• 5:43Caleb Hammer?

  What is your dad homophobic?

• 5:44Speaker 03

  Yes.

• 5:45Caleb Hammer?

  Oh.

• 5:46Speaker 03

  Well, Christian.

• 5:46Caleb Hammer?

  And has a furry son?

• 5:48Speaker 03

  Yes.

• 5:49Caleb Hammer?

  Okay, hold on, I need to get your income. What do, what do you make off the social media consultation? I don't know what that even?

• 5:54Speaker 03

  Uh, so people pay me to basically walk them through their, uh

• 5:57Caleb Hammer?

  To walk them?

• 5:59Speaker 03

  Yeah, leash, leash them up, all that. And then they, they, they asked me on how to prepare their socials for success. And they, I get them.

• 6:07Caleb Hammer?

  Are you successful on social media?

• 6:08Speaker 03

  Over the last few years, over the last eight years, I've averaged probably.

• 6:12Caleb Hammer?

  Eight years, you're 23.

• 6:14Speaker 03

  Yeah, I've been doing social media since 2016, 2015, maybe. So almost 10 years.

• 6:18Caleb Hammer?

  I don't know if, I don't know if that's good for society.

• 6:21Speaker 03

  No, no, I've, I've, I mean, a lot of my social.

• 6:23Caleb Hammer?

  When you were that young.

• 6:24Speaker 03

  Yeah, I was making money though, you know, not anymore.

• 6:26Caleb Hammer?

  I still don't know if that's good. Uh, you're, okay, good. What do you make from that?

• 6:31Speaker 03

  Uh, well, now.

• 6:32Caleb Hammer?

  Average monthly.

• 6:33Speaker 03

  Like, right now, I'm making probably like an extra 600, $700 a month just from social media. Uh, not including my full-time gig, which is.

• 6:38Caleb Hammer?

  Oh, wait, is that including OF too and everything?

• 6:41Speaker 03

  Yeah.

• 6:41Caleb Hammer?

  Oh, 700 combined, social media.

• 6:44Speaker 03

  Yeah, I've, I've, I've fallen quite a bit from what I was.

• 6:46Caleb Hammer?

  Why? What happened?

• 6:47Speaker 03

  Got lazy, relationship, bad decisions.

• 6:51Caleb Hammer?

  Your current one?

• 6:52Speaker 03

  No, no, my new one's great. Very happy.

• 6:54Caleb Hammer?

  New one, okay.

• 6:55Speaker 03

  Yeah, very happy, very happy, very blessed, all around. Um.

• 6:58Caleb Hammer?

  Strategically groomed, got everything we needed.

• 7:02Caleb Hammer?

  Okay, and what's your day job? And do they know?

• 7:05Speaker 03

  They know, uh, all my managers.

• 7:07Caleb Hammer?

  They certainly do now.

• 7:07Speaker 03

  Yeah, no, my managers are aware of why I'm here, uh, my social media, uh, history.

• 7:12Caleb Hammer?

  What do you do?

• 7:12Speaker 03

  I'm a server at.

• 7:16Caleb Hammer?

  Well, that was the thing you didn't want to say, so we're bleeping the name of the company, but it's a large chain restaurant.

• 7:21Speaker 03

  Large, yeah.

• 7:22Caleb Hammer?

  Large chain restaurant. It's a very good one for what it's worth.

• 7:25Speaker 03

  It is.

• 7:25Caleb Hammer?

  I, I very much enjoy it, I will say. It's funny how I have to cut the thing you don't want to say, and then you say the thing you don't want to say.

• 7:33Speaker 03

  I ramble.

• 7:33Caleb Hammer?

  It's okay. Uh, serving, how many hours a week are you getting?

• 7:37Speaker 03

  Uh, oh, I could pick up as much as I want, but I average about 36 to 44 hours a week.

• 7:41Caleb Hammer?

  What are you making?

• 7:42Speaker 03

  About 1,200, 1,500 a week.

• 7:45Caleb Hammer?

  Yeah, 1,200, 1,500 a week, ladies and gentlemen, chain, chains in Detroit.

• 7:51Speaker 03

  On three table sections, too.

• 7:53Caleb Hammer?

  Uh, so we'll say average 14 then, just because you said 13 to 15, right?

• 7:56Speaker 03

  Yeah.

• 7:57Caleb Hammer?

  Times 52, divide that. Well, do you work every week of the year?

• 8:00Speaker 03

  No, I take time off for furry conventions.

• 8:02Caleb Hammer?

  And it's not paid.

• 8:04Caleb Hammer?

  And it's not paid time off?

• 8:05Speaker 03

  No, absolutely not.

• 8:06Caleb Hammer?

  How many weeks do you take off a year?

• 8:08Speaker 03

  Say probably on, like, in total, about like five.

• 8:10Caleb Hammer?

  Okay, very good. So I'll times this by 47. $65,800 a year without the social media stuff, which, I mean, you're actually doing a. You're, you're, what are you getting? Cougars that just want to grab the twinks?

• 8:28Speaker 03

  No, no, I just, I have terrible spending habits. So it's like that money.

• 8:33Caleb Hammer?

  No, no, no, your income, like it's really good.

• 8:35Speaker 03

  Oh, you mean like my tables?

• 8:37Caleb Hammer?

  $5,483 a month plus your 700. Like you're killing it.

• 8:41Speaker 03

  I, I, yeah, I'm just a very personal person.

• 8:43Caleb Hammer?

  In a cheap city like Detroit, $6,183. Like wow, a month. Incredible. At 23, this is the career. This is the career to [bleep] do apparently. Why are you doing so well? Do you know? Well, for what it's worth, we're not saying the place, but there is not a time I do not go to that place. And it's not literally [bleep] stacked.

• 9:05Speaker 03

  Yeah.

• 9:06Caleb Hammer?

  Like they've killed it. They've killed it. My goodness. I don't know what they've done.

• 9:10Speaker 03

  Just good food, you know, consistent quality. It's all it takes.

• 9:13Caleb Hammer?

  Yeah. No, but why are you doing so well?

• 9:15Speaker 03

  Because I'm a kick [bleep] server.

• 9:16Caleb Hammer?

  Yeah.

• 9:17Speaker 03

  I've been doing it off and on for about four and a half years. I've always been people front. Uh, before I was a server at middle, between serving jobs, I was a director of marketing at a luxury car dealership for three years and that involved being [bleep] in front of people.

• 9:31Caleb Hammer?

  Okay.

• 9:32Speaker 03

  So I've always just had a professional way to approach people.

• 9:34Caleb Hammer?

  Okay.

• 9:35Speaker 03

  Learn their situations and how I should approach it from there and cater their experience to how they are.

• 9:39Caleb Hammer?

  Now I gotta note that, uh, you know, it's a little early in the day. You may have skipped breakfast. So I wanted to make sure we fed you a snack.

• 9:50Speaker 03

  That's crazy.

• 9:53Speaker 03

  You know, I'm not even offended that it's in a dog bowl. I'm more so offended that it's not fruity pebbles or anything else other than Cocoa Puffs.

• 10:01Speaker 03

  I'm not doing this because it's in a dog bowl.

• 10:03Caleb Hammer?

  I am.

• 10:05Speaker 03

  Pretty good.

• 10:06Caleb Hammer?

  So how you doing then? Cause honestly, to me, you should be [bleep] killing it. Is that what comes home? Or is that before taxes?

• 10:16Speaker 03

  Uh, I think the tax conversation is a whole different situation.

• 10:19Caleb Hammer?

  Well, no tax on tips.

• 10:20Speaker 03

  Yeah, no tax on tips. Uh, but I haven't filed taxes in three years. So I don't really know anything about my tax situation. Kind of just hope for the best.

• 10:28Caleb Hammer?

  Why? Why the [bleep] possibly?

• 10:31Speaker 03

  Cause I'll figure it out later.

• 10:32Caleb Hammer?

  No, no.

• 10:33Speaker 03

  They do payment plans for everything.

• 10:35Caleb Hammer?

  The IRS will figure it out now.

• 10:37Speaker 03

  Well, they can't take my cash.

• 10:39Caleb Hammer?

  But they can take your paycheck.

• 10:41Speaker 03

  I don't get a paycheck.

• 10:42Caleb Hammer?

  At all? Your full tip?

• 10:44Speaker 03

  Checkmate. I get like 60 bucks a week in hourly.

• 10:46Caleb Hammer?

  Yeah. And they'll fully take that. I know it's not the, I know that's not making a break for you. Uh, fine. They show up with guns.

• 10:56Speaker 03

  I got guns too.

• 10:57Caleb Hammer?

  Well, it is Detroit. You should.

• 10:58Speaker 03

  Yep.

• 10:59Caleb Hammer?

  But I think there's a beggar and involve a nuclear arsenal.

• 11:03Speaker 03

  If they nuke me for not paying my, whatever, my back taxes or whatever the [__] I owe them, that's on them.

• 11:07Caleb Hammer?

  I think they want to nuke Detroit.

• 11:09Speaker 03

  That's okay. I'm not in Detroit for long. So stop.

• 11:12Caleb Hammer?

  Where are you going? You're doing so well there.

• 11:13Speaker 03

  Back to Dallas.

• 11:14Caleb Hammer?

  But you're doing so well.

• 11:15Speaker 03

  I was doing better in Dallas.

• 11:17Caleb Hammer?

  Yeah, but for cost of living, were you? Because it's much more expensive, Dallas.

• 11:21Speaker 03

  I was paying $2,300 for a two-bedroom apartment, uh, but that was also just like...

• 11:25Caleb Hammer?

  Girlfriend's coming? How long have you guys been together?

• 11:27Speaker 03

  Uh, almost a full year now. We've known each other for a little over three years.

• 11:30Caleb Hammer?

  Okay, so she's coming?

• 11:31Speaker 03

  Yeah, absolutely. She wants to move to Texas. It's not just me.

• 11:33Caleb Hammer?

  Why?

• 11:35Speaker 03

  Uh, better economy. It's warmer.

• 11:36Caleb Hammer?

  It is a better economy. Dude.

• 11:37Speaker 03

  All of our friends are there, family.

• 11:39Caleb Hammer?

  This summer's so [__] miserable. You don't... Okay. Okay. Well, well done. Why are you completely [__]? Because you don't come on the show unless you're completely [__]. Well, one, why haven't you paid your taxes? Let's talk about that. Like, why?

• 11:54Speaker 03

  I just didn't want to. I remember filling it out.

• 11:56Caleb Hammer?

  Why did you not want to? Because you probably, especially with no tax on tips, I don't think you'd pay very much.

• 12:00Speaker 03

  Well, this just passed. The no tax on tips just passed.

• 12:02Caleb Hammer?

  But even still.

• 12:03Speaker 03

  Uh, but we're also thinking of...

• 12:04Caleb Hammer?

  Fine. Have you gone through the process and seen what you might owe? Because it's not like you were claiming your cash anyway.

• 12:09Speaker 03

  Well, I went through the, the, you know, whatever, TurboTax, and it said I owed them nothing. So when I...

• 12:14Caleb Hammer?

  There you go. So just do.

• 12:15Speaker 03

  I submitted it. They sent me an email saying that this form was incomplete, and then I just kind of ignored them and hoped that they would figure it out later.

• 12:21Caleb Hammer?

  Three years in a row?

• 12:22Speaker 03

  Yeah. I didn't even bother to try to apply two years ago because of the income I was taking in. I was scared. So...

• 12:28Caleb Hammer?

  Yeah, but you weren't claiming your cash. No one claims their cash.

• 12:30Speaker 03

  Well, this wasn't cash. This was, uh, $20,000 a month in Zelle payments.

• 12:35Speaker 03

  That I'm hoping I don't have to pay on because they consider it gifts.

• 12:37Caleb Hammer?

  Not after this!

• 12:41Speaker 03

  I knew the risks.

• 12:42Caleb Hammer?

  I know. Everyone does.

• 12:44Speaker 03

  Yep.

• 12:46Caleb Hammer?

  $20,000 a month?

• 12:48Speaker 03

  In Zelle payments from my...

• 12:49Caleb Hammer?

  For what?

• 12:49Speaker 03

  My ex-girlfriend.

• 12:50Caleb Hammer?

  She was giving you 20 a month?

• 12:52Speaker 03

  It was, okay, she was taking 20.

• 12:54Caleb Hammer?

  For what?

• 12:54Speaker 03

  I was taking 20. Kind of, yeah. It was our only [__].

• 12:56Caleb Hammer?

  Oh, you were [__] her?

• 12:58Speaker 03

  I was her manager, her, uh, content lead, her producer, her cameraman or everything. But there's no other people involved. That was not a [__].

• 13:05Caleb Hammer?

  But you were [__] her on...

• 13:08Speaker 03

  Paid peanut. Yeah. Paid furry peanut.

• 13:14Speaker 04

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• 13:45Caleb Hammer?

  And you said that was a bad, toxic relationship?

• 13:48Speaker 03

  Extremely.

• 13:48Caleb Hammer?

  How much did you make?

• 13:50Speaker 03

  In total, in the eight or nine months we were running OF, probably a little over $135,000. Cause we had peaked at 40K a month. For the last two and a half ish months we were together, we were only doing like 12, 15, 20,000 up until then.

• 14:05Caleb Hammer?

  As if that's not incredible money?

• 14:07Speaker 03

  Well, I was also making $7,000 a month, flat from my salary based job that I had left to pursue the only thing.

• 14:13Caleb Hammer?

  Crazy. Okay, let me see her.

• 14:17Speaker 03

  I don't even know if I can pull her up.

• 14:19Caleb Hammer?

  You know her Instagram.

• 14:20Speaker 03

  I'm blocked. Well, I could show you her mug shot.

• 14:22Caleb Hammer?

  I can pull up her Instagram.

• 14:23Speaker 03

  She got arrested for assault with a deadly weapon, by the way.

• 14:25Caleb Hammer?

  To who? Yes, let's see that.

• 14:27Speaker 03

  Boyfriend after me.

• 14:28Caleb Hammer?

  Oh, yep, she doesn't sound great. Let's see that, but I also want to see her Instagram.

• 14:33Speaker 03

  Oh yeah, you could look her up. You're not blocked.

• 14:35Caleb Hammer?

  No, of course not.

• 14:36Speaker 03

  By the way, her entire platform is because of me.

• 14:40Caleb Hammer?

  Don't worry, ladies and gentlemen, we will not be doing.

• 14:43Speaker 03

  There is the mug shot, the famous one. She looks awful in this picture.

• 14:48Caleb Hammer?

  Yeah, most do in their mug shots.

• 14:50Speaker 03

  But yeah, it was her new boyfriend. She's had three partners since me in about a year.

• 14:55Caleb Hammer?

  Okay.

• 14:57Caleb Hammer?

  Blur, blur the name. Well, here we go. This is what we're dealing with currently. I believe I'm blocking the name.

• 15:04Speaker 03

  She's a bad example.

• 15:05Caleb Hammer?

  I don't like social media promotion.

• 15:08Speaker 03

  She is a bad example.

• 15:09Caleb Hammer?

  Not that attractive, I'll be honest. To me, to me, to me, to me, to me. Before she rages online, oh my gosh. To me, my type.

• 15:16Speaker 03

  Well, aren't you married? Or in a relationship?

• 15:20Caleb Hammer?

  Not married, but I, yes, I am dating.

• 15:22Speaker 03

  Okay, is she out of your league?

• 15:23Caleb Hammer?

  What, I can't find people? Yeah.

• 15:25Speaker 03

  Okay, I'm just making sure on mutual playing field here.

• 15:28Caleb Hammer?

  No, she's out of my league. You're out of your current league.

• 15:33Speaker 03

  Okay.

• 15:35Speaker 03

  Okay. I disagree, but that's okay.

• 15:38Caleb Hammer?

  So how long did you do furry OF?

• 15:43Speaker 03

  Mid 2023 to towards the end of 2024.

• 15:47Caleb Hammer?

  We're like 20, yeah, to 2024. Okay, so not very long. Where'd all that money go? Because again, you're, you're on the show, you're.

• 15:53Speaker 03

  Yeah, no, I, okay, so.

• 15:55Caleb Hammer?

  And you're doing well now.

• 15:56Speaker 03

  I put $10,000 down for my current vehicle. Um, I.

• 16:01Caleb Hammer?

  You did not just go and go get crazy vehicle because you're making some OF money.

• 16:04Speaker 03

  I wouldn't say crazy. It's a Lexus LS460 2012.

• 16:07Caleb Hammer?

  Lexus is nice.

• 16:08Speaker 03

  It was only a $15,000 car.

• 16:10Caleb Hammer?

  But you put 10 down?

• 16:12Speaker 03

  Yes.

• 16:12Caleb Hammer?

  Okay.

• 16:13Speaker 03

  I wanted low payments, low rate.

• 16:14Caleb Hammer?

  That's good. So why are you then? Because that wouldn't equal.

• 16:17Speaker 03

  Car has nothing to do with my, it's my credit card payments, my Qualify, my Affirm, my Klarna. I actually rented my car rental to get here. So you know how you can, you know, you're already renting a car. I'm affirming the rental payment on my car, on my 2025 hatchback that I'm here.

• 16:33Caleb Hammer?

  For why?

• 16:33Speaker 03

  I just didn't want to spend the 300 upfront.

• 16:37Speaker 03

  So I paid 80 upfront. Makes sense to me.

• 16:40Caleb Hammer?

  It does. Is there interest on it?

• 16:42Speaker 03

  Nope.

• 16:43Caleb Hammer?

  Okay, you pay it off every time. No questions asked, no problems, no late fees as I go through this entire thing.

• 16:50Speaker 03

  Yes. Everything is on time. I have always been successful on that. Besides my one missed auto payment on my Best Buy card like three and a half years ago.

• 16:57Caleb Hammer?

  Oh, I guess your ex was very, uh, has a negative image in the furry community?

• 17:02Speaker 03

  Yeah, she is a piece of, total piece of.

• 17:04Caleb Hammer?

  Why?

• 17:05Speaker 03

  Uh, transphobic, racist, ableist, fatphobic, um, everything under the sun.

• 17:11Caleb Hammer?

  Which I think that, uh, that community specifically is all those.

• 17:16Speaker 03

  No, no, no, no, there's bad apples. There's bad apples in everything, in every fandom. There's bad apples in anime.

• 17:21Caleb Hammer?

  Isn't your, what, what are the furry? I couldn't think of it. Aren't they all fat, trans and?

• 17:26Speaker 03

  No, no, um, I would say it's a, it's a decently sized demographic of that genre of people, no disrespect. But the people like that stick out like me, like how you said when I took my suit head off, it wasn't what you expected. That's changing.

• 17:40Caleb Hammer?

  Well, you might be trans. I don't know.

• 17:42Speaker 03

  Not that I know of. So check back next year. Seems like it happens overnight.

• 17:48Caleb Hammer?

  Does it? And you're starting to sound like her.

• 17:53Speaker 03

  That might be the worst thing you'll say to me today.

• 17:55Caleb Hammer?

  Okay, so what is going on, my guy? Because what an interesting conversation.

• 18:01Speaker 03

  Well, you know why I have all this debt? Is because I know in the future, I'm gonna have money. I'm destined for it.

• 18:06Caleb Hammer?

  How are you destined for it? Please tell me how you're destined for money.

• 18:09Speaker 03

  My drive, my skill set, and how many times I've come across large sums of money already.

• 18:13Caleb Hammer?

  Buddy, I have met some driven motherfuckers who are the absolute biggest morons in the world and work on work instead of actually doing what it takes to get somewhere.

• 18:22Speaker 03

  Yes. No, that's me. You're talking to them right now.

• 18:24Caleb Hammer?

  Well, then, no, you're not destined for money.

• 18:26Speaker 03

  Oh, but it's, but here's the thing. So I've come across large sums of money multiple times in my youth. I, and 17 years old, I took home $45,000 in a little over 45 days.

• 18:35Caleb Hammer?

  Okay, and it's not here, meaning I don't think you're gonna come into money and keep it.

• 18:40Speaker 03

  Well, I know, that's why I'm here. You know, I gotta have a little wake-up call. I gotta get the hammer treatment. I gotta get hammered. So.

• 18:47Caleb Hammer?

  No, no, no.

• 18:48Speaker 03

  I gotta experience the hammer in its fullest extent. But, you know, it's gonna happen again, and every time it happens, I'm gonna say I'm gonna keep it.

• 18:54Caleb Hammer?

  But why, what, what if you've lost your opportunity? What if that opportunity has hit and now you're done?

• 19:00Speaker 03

  No.

• 19:00Caleb Hammer?

  Because a lot of the things also has to do with the fact that, you know, you're younger and, you know, attractive, but you're gonna be aging and.

• 19:09Speaker 03

  Those opportunities are still coming. Don't worry. I know they are.

• 19:12Caleb Hammer?

  Go on, tell me.

• 19:13Speaker 03

  I just, I manifest them, and I, once I'm back in Dallas, I'm, so here's the goal. I need to get the [__] out of Detroit. There's nothing.

• 19:19Caleb Hammer?

  What's Detroit keeping you? I agree. Detroit's not great.

• 19:21Speaker 03

  Exactly. The only reason I'm in Detroit is for my beautiful, lovely girlfriend, soon to be wife, and that is.

• 19:25Caleb Hammer?

  You're engaged?

• 19:26Speaker 03

  Uh, oh, no. Eventually. Um, what I need to do is get the [__] out of Detroit. That's big step one. Step two is to get back into Dallas and do a career that I actually have growth potential in, because I went from a lot coordinator to a social media marketing director in a span of three years with my resume. They fired a woman with a bachelor's degree in marketing to replace, uh, have me replace her.

• 19:46Caleb Hammer?

  Dude, I don't care about someone's degree. It's only what I can deliver.

• 19:49Speaker 03

  I, I can deliver. I've proven to deliver multiple times.

• 19:51Caleb Hammer?

  What were you, what were you making in that job?

• 19:53Speaker 03

  Almost a little over 70K.

• 19:54Caleb Hammer?

  Okay, but that's not coming into millions, which is what you're making it sound like.

• 19:59Speaker 03

  No, I mean, it's not for my age.

• 20:01Caleb Hammer?

  No, for your age, that's great. For your age, you're doing great right now.

• 20:03Speaker 03

  With no degree.

• 20:04Caleb Hammer?

  Income wise, not finances. And again, it's not necessarily about a degree. Okay, but I thought you were making it sound like you're gonna come into that $20,000 a month again.

• 20:14Speaker 03

  Nah, I'm not saying it's impossible. All it takes is the right person to, you know, get to know me and pick me up. Because I have that skillset.

• 20:20Caleb Hammer?

  Oh, so it's all dependent on other people, not yourself?

• 20:23Speaker 03

  Also that. I do the consultation that I hope picks up eventually.

• 20:26Caleb Hammer?

  Hope?

• 20:26Speaker 03

  Yeah.

• 20:27Caleb Hammer?

  No strategy?

• 20:28Speaker 03

  I have somewhat of a strategy. I mean, I wrote a 16-page document that walks people through what I did to repeat social media success, and it worked. It's worked for a couple actually known, uh, household-name furries in the community.

• 20:40Caleb Hammer?

  Household name?

• 20:40Speaker 03

  Yeah.

• 20:42Caleb Hammer?

  How big is it? What is that, like 10,000 people know them?

• 20:45Speaker 03

  Um, no, we're looking at like half a million to over a million. The furry fandom's a lot bigger than you might expect it to be. They're actually flying out one of my previous students to Brazil, all expense paid, to be a guest of honor at a furry convention in Brazil next year.

• 20:56Caleb Hammer?

  Yeah, a guest of honor at a furry convention.

• 20:59Speaker 03

  At a furry convention, yes.

• 20:59Caleb Hammer?

  It doesn't mean it's big itself. This is the furry convention. Okay? So, I can't help you hope and manifest for more money?

• 21:09Speaker 03

  Mm-hmm, I know.

• 21:10Caleb Hammer?

  Like, that's not how that goes.

• 21:12Speaker 03

  I need you to tell me to stop spending money and...

• 21:13Caleb Hammer?

  Okay, you already know that, then. You just said it. So what the [bleep] do you need me for?

• 21:17Speaker 03

  How can I get it stuck? Cause I've got this, this thing in my brain that tells me I'm gonna have this money. I'm gonna make this money back. I don't care. Like, just yesterday, I spent $1,000 and emailed Marcus on a credit card.

• 21:27Caleb Hammer?

  What?

• 21:27Speaker 03

  Yeah.

• 21:28Caleb Hammer?

  For [bleep] what?

• 21:29Speaker 03

  Um...

• 21:30Caleb Hammer?

  Oh, [bleep] what are you doing?

• 21:31Speaker 03

  Well, I have these on me.

• 21:32Caleb Hammer?

  Don't not be your [bleep].

• 21:33Speaker 03

  Light shades. I bought a hoodie.

• 21:35Caleb Hammer?

  I don't know what that is. You're gonna have to tell me what that is.

• 21:37Speaker 03

  This is a designer brand.

• 21:38Caleb Hammer?

  Of what?

• 21:39Speaker 03

  Of sunglasses. And then I bought a hoodie for 300, and then I bought $350 cologne, uh, Mind Games Gambit.

• 21:46Caleb Hammer?

  Show me!

• 21:47Speaker 03

  Well, this is just glasses. I didn't bring the other stuff.

• 21:49Caleb Hammer?

  Well, how much was it?

• 21:50Speaker 03

  These?

• 21:51Caleb Hammer?

  Yes!

• 21:51Speaker 03

  Little over 300.

• 21:52Caleb Hammer?

  That's off-white? That looks very black to me.

• 21:55Speaker 03

  Well, but don't they look badass?

• 21:59Caleb Hammer?

  Um.

• 22:00Speaker 03

  I'm sure.

• 22:02Caleb Hammer?

  Well, okay, Lindsay likes them. I don't know. I'm not a sunglasses guy. I'm a normal glasses guy. I don't know.

• 22:07Speaker 03

  She told me early on that she liked them. So I was like, see, worth my money.

• 22:10Caleb Hammer?

  Oh, okay.

• 22:11Speaker 03

  And now I can use these on social media later and be happier with what I post, which makes my content perform better. So it's an investment into oneself.

• 22:18Caleb Hammer?

  Now imagine if you invested that 20,000 dollars a month you were making.

• 22:23Speaker 03

  Yeah, I wouldn't be here right now.

• 22:25Caleb Hammer?

  You would probably be borderline approaching, what, a half million dollars?

• 22:30Speaker 03

  Yeah.

• 22:30Caleb Hammer?

  Seven hundred and fifty thousand dollars?

• 22:32Speaker 03

  Yeah.

• 22:33Caleb Hammer?

  Has it grown actually in from when you were making it when the market was down? So now you actually might be a millionaire, technically. Your net worth is?

• 22:41Speaker 03

  Um, I don't own my car. You can't include finance assets to your car, right? Or into your net worth, so I probably.

• 22:47Caleb Hammer?

  I mean, an equity position I would allow. Yeah, sure.

• 22:49Speaker 03

  Um, probably worth like thirty five hundred dollars.

• 22:52Caleb Hammer?

  Dude, you have to be negative. There's no way. Look, private student loans can make you feel like you're one mispayment away from selling your grandma's heirlooms. We miss you, grandma. Yrefi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in this student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Yrefi has got you. They'll rearrange your payment plan, ease the monthly hit, and even let your poor cosigner off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what?

• 23:37Caleb Hammer?

  4.6 stars in Google says Yrefi actually picks up and treats you like a real human. Shocker, right? And finance is about as rare as me not slamming the desk every single episode. So if you're done fantasizing about robbing a bank, don't do that, by the way. Check out Yrefi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to Y R E F Y dot com slash hammer. That is Yrefi dot com slash hammer. Or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. And see how a real personal approach can help you escape the private loan nightmare. Because, let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of.

• 24:13Speaker 03

  Oh, well, yeah, I'm definitely negative, but as far as like assets I can sell, I got like 3500 bucks.

• 24:17Caleb Hammer?

  Yeah, but it's what you owe.

• 24:18Speaker 03

  Well, this is worth seven grand, so I could get 7K for him, yeah.

• 24:21Caleb Hammer?

  For f***ing why?

• 24:23Speaker 03

  Custom made, um, he's a very notable figure in the fandom. People do pay for that.

• 24:27Caleb Hammer?

  Who is he?

• 24:28Speaker 03

  His name's Spiral. If I go to a fur, I know you don't give a f*** about this because it's a furry convention. If I go to a furry convention, I get treated like how you do in public. Oh, Caleb Hammer, let me get a picture. You know, that's me at furry conventions. Oh, my god, dime.

• 24:40Caleb Hammer?

  He knows of a 7500 dollar thing?

• 24:43Speaker 03

  Because of my app, my platform. I'm a content creator. I've got 960K on TikTok. I've got.

• 24:48Caleb Hammer?

  What?

• 24:48Speaker 03

  Yeah, I've got 34K.

• 24:49Caleb Hammer?

  Okay, pull up your TikTok. I'm not allowing him to plug it, so you're not gonna see it, but I need to see it.

• 24:53Speaker 03

  It's a dead page. I don't post it on anymore here.

• 24:55Caleb Hammer?

  Okay, so why are you getting recognized at places if it's dead?

• 24:57Speaker 03

  Because I started over with this.

• 24:59Caleb Hammer?

  Then show me the new one. Okay. I don't care about the one that's dead that no one knows you from.

• 25:03Speaker 03

  Well, I'll pull up my, I'd rather show you my Instagram then.

• 25:07Caleb Hammer?

  Then, yeah, okay, your Instagram. Okay, 34,000.

• 25:10Speaker 03

  Yeah. Oh, I know.

• 25:12Caleb Hammer?

  He bragged about the dead accounts.

• 25:13Speaker 03

  Uh, the dead account, yeah, it's just, it's just what people know me for. It's, it's what I came into the fandom as. It's like, oh, look, furries can be normal people. Furries are your everyday average Joe. They're not just fat neckbeards that stay at home when their moms.

• 25:23Caleb Hammer?

  I'm not calling you your everyday average Joe. You don't really seem like that. You're.

• 25:27Speaker 03

  You said I looked normal.

• 25:28Caleb Hammer?

  Your face.

• 25:29Speaker 03

  Yeah. Do I appear, I mean, so far, I feel like I appear pretty normal, just with a f***ed up outlook on money. Everything else is normal.

• 25:36Caleb Hammer?

  If you know it's f***ed up, why don't you change it? I'm so confused.

• 25:38Speaker 03

  That's the fun part. I just don't think I can.

• 25:41Caleb Hammer?

  Huh?

• 25:42Speaker 03

  I've tried.

• 25:43Caleb Hammer?

  How?

• 25:43Speaker 03

  For like the last eight years, I've been burning into my head, next time I have money, I'm gonna do this. Next time I have money, I'm gonna do this.

• 25:47Caleb Hammer?

  So what have you told yourself the next time you had money you needed to do?

• 25:50Speaker 03

  Invest it or spend my debts down.

• 25:52Caleb Hammer?

  Then what happened?

• 25:53Speaker 03

  Bought a motorcycle, I bought two motorcycles, BMWs, designer clothes, uh, jewelry, fursuits. I've probably spent a little over.

• 26:00Caleb Hammer?

  Yeah, you're consumerism to the max.

• 26:02Speaker 03

  Oh, yeah, and I plan on getting the new iPhone 17 next week.

• 26:05Caleb Hammer?

  Well, that within itself isn't the worst thing if it stands alone, but mixed on everything. And why are you gonna do that after coming on this show?

• 26:12Speaker 03

  Investment for my social medias.

• 26:15Caleb Hammer?

  No, what is that?

• 26:16Speaker 03

  It's a 15 Pro Max.

• 26:17Caleb Hammer?

  Shut the f**k up, you're fine.

• 26:19Speaker 03

  But it's cracked.

• 26:19Caleb Hammer?

  I don't care, mine's cracked, I'm living.

• 26:22Speaker 03

  Oh, I could tell it was cracked, it's kind of a turn off for me.

• 26:24Caleb Hammer?

  I don't care if you're turned on or off.

• 26:26Speaker 03

  I'm turned off. Other people-

• 26:27Caleb Hammer?

  Doesn't matter, I'm richer than you'll ever be in your entire life, I don't care if you're turned off.

• 26:30Speaker 03

  What do you drive?

• 26:31Caleb Hammer?

  Huh?

• 26:32Speaker 03

  What do you drive?

• 26:32Caleb Hammer?

  Model X.

• 26:33Speaker 03

  Yeah, your finance status doesn't matter for me. But your phone's cracked, I didn't like the look of it, and I know other people do.

• 26:38Caleb Hammer?

  So you judge everyone's, uh, net worth, not on math, but their car? I'm not a flashy guy.

• 26:44Speaker 03

  I know, a Tesla's pretty flashy, you could say all day it's not. A Tesla is flashy.

• 26:48Caleb Hammer?

  It doesn't look flashy.

• 26:49Speaker 03

  It looks pretty flashy.

• 26:50Caleb Hammer?

  What?

• 26:51Speaker 03

  It's like a spaceship.

• 26:53Caleb Hammer?

  Inside?

• 26:54Speaker 03

  With no engine noise, and every time you hit the accelerator, it just goes, "Mmm, yay", you know, because it's electric. I'll never buy an electric car.

• 27:00Caleb Hammer?

  Yes, faster than any car you have, yes.

• 27:02Speaker 03

  Doesn't matter, Bugatti, it might be a little bit faster than a Bugatti, take it down the highway, you're getting smoked.

• 27:06Caleb Hammer?

  But it's so much more fun-

• 27:08Speaker 03

  No, it's not.

• 27:08Caleb Hammer?

  To go fast.

• 27:09Speaker 03

  I've been in a Plaid, it's okay.

• 27:11Caleb Hammer?

  I just like to go fast.

• 27:11Speaker 03

  Is yours a Plaid?

• 27:13Caleb Hammer?

  Uh, not my current one.

• 27:14Speaker 03

  So, more money than I'll ever have, but you don't have the best Tesla?

• 27:17Caleb Hammer?

  Well, why would I? I'm moving to New York City, I don't want to use a car.

• 27:19Speaker 03

  Oh, god. Okay. New York City, why?

• 27:24Caleb Hammer?

  I can walk places.

• 27:26Speaker 03

  Mm-hmm. And just constantly running into people, can't drive, so you're gonna get rid of your car, is what I'm hearing?

• 27:32Caleb Hammer?

  Yeah, I don't want to drive, why would I want to drive? I want to live in a community.

• 27:35Speaker 03

  So you'll be like in public transport?

• 27:36Caleb Hammer?

  Uh, or walking around, or biking, or... Welcome to living in an area that's built for humans and not vehicles.

• 27:42Speaker 03

  I feel like you're just like on a script at this point, because like, all these people define success, "Oh, I'm gonna move to New York", you know?

• 27:47Caleb Hammer?

  No, I'm literally, I don't give a f**k about the city as "the" city. I care about it for the community and moving, and it's built for humans.

• 27:56Speaker 03

  Is there a benefit to you, besides not having your car?

• 27:58Caleb Hammer?

  Yes, it's built for humans and not highways and cars.

• 28:02Speaker 03

  I don't like the humans in New York, that's not where I would want to be.

• 28:05Caleb Hammer?

  Well done, don't go.

• 28:07Speaker 03

  I will, but I'm not gonna live there. It's a vacation place, it's like LA, god forbid it, anyway.

• 28:11Caleb Hammer?

  Why would I want to live in LA?

• 28:12Speaker 03

  Okay, we agree on that.

• 28:13Caleb Hammer?

  It's built for cars, not humans. Okay, so you define, um, your entire existence on whatever car you have.

• 28:20Speaker 03

  I wouldn't say that, I'm just saying like Tesla says a lot about a person.

• 28:23Caleb Hammer?

  What does it say?

• 28:25Speaker 03

  You have a girlfriend, right?

• 28:26Caleb Hammer?

  Yes.

• 28:26Speaker 03

  Okay. She, back to the trans conversation. She a girl? Like, born female? Sis is what they say?

• 28:33Caleb Hammer?

  Yes, yes.

• 28:34Speaker 03

  Okay, just making sure. Cause when I think Tesla, I think gay.

• 28:36Caleb Hammer?

  He's homophobic.

• 28:37Speaker 03

  No, like I said, I know a lot about my sexuality.

• 28:41Caleb Hammer?

  His ex rubbed off on him quite heavily.

• 28:43Speaker 03

  I guess you could say that.

• 28:44Caleb Hammer?

  Rubbed him off and then... He left a homophobe.

• 28:48Speaker 03

  Well, the rubbing off was for the only [BLEEP], not for my personality.

• 28:52Caleb Hammer?

  I mean, that's fine. I mean, everyone can like whatever the car they want. Like, there's not much for me to desire to even defend a Tesla. Like, I'm gonna drive what I want, right?

• 29:00Speaker 03

  Well, yeah, of course.

• 29:01Caleb Hammer?

  I like that it drives for me.

• 29:03Speaker 03

  Yeah, that's cool.

• 29:04Caleb Hammer?

  And then I don't have to think. I can just listen to a podcast.

• 29:06Speaker 03

  Yeah.

• 29:07Caleb Hammer?

  And it just goes.

• 29:08Speaker 03

  Sit there and look at gay [BLEEP] you drive.

• 29:09Caleb Hammer?

  Sure, why not? It's not my preferred.

• 29:13Speaker 03

  But it's on there. You said it's not your preferred, so it's on the list of things you'll watch. It's just not the first thing you'll watch.

• 29:18Caleb Hammer?

  No, not really, but...

• 29:20Speaker 03

  Play it back.

• 29:21Caleb Hammer?

  Uh, yeah, you go, okay, play it back.

• 29:22Speaker 03

  You said it's not your preferred.

• 29:24Caleb Hammer?

  Here's the thing about me, right? It's like, um, I think the gayest thing a guy can do besides take a [BLEEP] and say [BLEEP] is be offended if someone ever questions his sexuality, cause I don't give a [BLEEP].

• 29:35Speaker 03

  Well, that's why I had...

• 29:36Caleb Hammer?

  I'm confident in my masculinity that if someone questions me, I don't feel like a little [BLEEP].

• 29:41Speaker 03

  Well, how do you know?

• 29:41Caleb Hammer?

  But you have to use it as a way to try to get under my skin, but it doesn't affect me because I don't care.

• 29:47Speaker 03

  How do you know?

• 29:48Caleb Hammer?

  Hmm?

• 29:48Speaker 03

  How do you know?

• 29:49Caleb Hammer?

  How do I know what?

• 29:49Speaker 03

  That's how I had to do it. I didn't know. I was struggling. I was like, what if I am gay? What if I am bi?

• 29:53Caleb Hammer?

  I'm not going into the lore of my life with you. You're on financial audit.

• 29:55Speaker 03

  Well, I thought, you know, we're talking, conversation, right?

• 29:57Caleb Hammer?

  No, I'm trying to move on.

• 29:59Speaker 03

  Okay, let's move on. I like that idea. I'm trying to talk about the numbers.

• 30:02Caleb Hammer?

  Whoa, no, you're not. You are literally not right now. I have to turn on the fish tank. I got distracted by walking in to your existence.

• 30:11Speaker 03

  Hmm. That happens.

• 30:14Caleb Hammer?

  Okay, so you're gonna be very rich and you're gonna let everyone know by the car you drive because you care more about what the person next to you at the stoplight thinks than what's your actual net worth.

• 30:27Caleb Hammer?

  Right, okay. Very good. Anything else I should know?

• 30:33Speaker 03

  No, I do appreciate this.

• 30:35Caleb Hammer?

  Well, I have a money source that you ran into once.

• 30:36Speaker 03

  Yes.

• 30:37Caleb Hammer?

  You made money through an Instagram scam.

• 30:39Speaker 03

  Not a scam. Not the way to word it. I was getting, it was a paid service that people got what they paid for and they only paid upon completion. It was never payment upon, "Oh, I'm gonna do this." It was paid after I succeeded. So, Facebook had a exploit to get people unbanned. Because I'm sure you were working on social media, you're aware Meta has terrible support systems unless you give them thousands and thousands of dollars for Meta Verified. And the more you pay, the more they help you out.

• 31:02Caleb Hammer?

  Meta Verified, isn't that like a $5, $10 a month?

• 31:06Speaker 03

  Yes, but if you use the ad system, this is the exploit, the more you pay through their support system. So if I'm giving them $100 to promote one of my posts.

• 31:13Caleb Hammer?

  Uh huh.

• 31:13Speaker 03

  And then I go to their support system, they're gonna say, "This guy has a high ticket, we're gonna help him farther." So what I would do is I would spend money on ads and then I would say, "Hey, my page got banned at insert handle." It was a page with 13 million followers and this person approached me saying, "It wasn't my page." And he said, "I need you to get my page unbanned, I'll pay you set amount if you succeed." I got him unbanned. He paid me $7,500.

• 31:33Caleb Hammer?

  Oh.

• 31:34Speaker 03

  And from then I realized, this is an actual thing and then I did it for a little over a month and a half.

• 31:38Caleb Hammer?

  And you made?

• 31:39Speaker 03

  A little over 45.

• 31:40Caleb Hammer?

  Then why would you stop?

• 31:41Speaker 03

  Because there was a ban wave that happened. And I have, I do have a sense of moral compass as much as it might not look like it. I felt bad for the people that I negatively affected and I pulled out of it.

• 31:50Caleb Hammer?

  What, you banned people?

• 31:51Speaker 03

  I didn't ban people, Facebook caught on.

• 31:53Caleb Hammer?

  How'd you [bleep]? Oh, the people you unbanned got banned?

• 31:55Speaker 03

  Every single person I got unbanned and then people extended past them on the devices.

• 31:59Caleb Hammer?

  That's fair, I mean, you use the way to like navigate their ban system, of course. Of course it's fair that they got re-banned, isn't it?

• 32:05Speaker 03

  Yeah, well, I'm just saying, it sucks, but I stopped to prevent that from happening again. I didn't wanna [bleep] people over any further than I'd already had.

• 32:12Caleb Hammer?

  Wanna know a dirty little secret? And now, I'm not starting an only [bleep]. You're not broke because you suck with money, you just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get this to try for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. Alright, well, give me your, um...

• 32:55Caleb Hammer?

  What you think your finance score is zero to 10, zero being the worst, 10 being the best?

• 32:59Speaker 03

  Two.

• 33:00Caleb Hammer?

  Two. Okay. If you want to know your financial score, your Hammer financial score, take the assessment for free at CalebHammer.com. See where you stand, see where you need to do better, where you're doing really bad, where you're doing really well. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. It is my preferred budgeting app. It's incredible. Take the free trial and if you like it, sign up for the annual version, save a lot of money by doing that. And when you do, I will personally send you my budget friendly cookbook. I'll sign it and I'll mail it directly to you. Okay? All right, let's jump into these documents. Yep, here's Neiman Marcus, except you just said you spent a [BLEEP] on this, right?

• 33:37Speaker 03

  Yeah.

• 33:41Caleb Hammer?

  What's the new balance if you're Neiman Marcus?

• 33:44Speaker 03

  Uh, probably a little over 1100, 1200 now.

• 33:49Caleb Hammer?

  Why? Why'd you need to do all this?

• 33:52Speaker 03

  I didn't need to. Nobody needs to do anything. I just wanted to.

• 33:56Caleb Hammer?

  Wanted to, but you, you're also, at the same time, you keep telling me how you want to get your [BLEEP] together and manage your finances better when you get out of debt.

• 34:04Speaker 03

  I can't move to Dallas without getting my [BLEEP] together.

• 34:06Caleb Hammer?

  Then why are you going to Neiman Marcus? Like you want it, but you also want to move to Dallas. Which one do you want more?

• 34:12Speaker 03

  My psychiatrist had a word for it, mania, something like that. Unmedicated mania, unmedicated medical disorder. Non-medicated. I'm on, I'm on Adderall for ADHD, but nothing else for like BPD. And she says that that's why my spending is the way it is.

• 34:24Caleb Hammer?

  So you should medicate it.

• 34:25Speaker 03

  Potentially.

• 34:26Caleb Hammer?

  You're [BLEEP]. You need to get it under control, correct?

• 34:29Speaker 03

  Yes. Clinically [BLEEP] by the way.

• 34:31Caleb Hammer?

  So why are you not?

• 34:33Speaker 03

  I, I feel like SSRIs are such a plague in this.

• 34:36Caleb Hammer?

  It's an SSRI? That's what we're advocating for? Pull up your card, pull up the statement on your phone.

• 34:39Speaker 03

  Okay, yeah. I just don't want to be on medication for the rest of my life that I already am.

• 34:43Caleb Hammer?

  Fine. I mean, maybe you've been on Adderall is making you go [BLEEP] crazy.

• 34:47Speaker 03

  Well, I only take this on days like this where I have to, you know, live.

• 34:51Caleb Hammer?

  Did you take it yesterday when you spent a thousand?

• 34:53Speaker 03

  Nope. Wouldn't have stopped me. Okay, so it hasn't updated yet. It still says 367. Oh, but you could see, you could subtract the available credit, which is a $2,000 limit to see my purchases from yesterday.

• 35:05Caleb Hammer?

  Oh, new Marcus, new Marcus. He has 634 and then 248.

• 35:08Speaker 03

  Hody was too.

• 35:09Caleb Hammer?

  What's your new minimum to payment, you think? I don't know. I'm gonna say it's 40 bucks.

• 35:14Speaker 03

  It's better than my freedom.

• 35:15Caleb Hammer?

  It's disgusting. Yeah, I'm sure it is. That's so, it's just so fucking stupid. I just don't understand. Because I get it. You did it. Maybe you did it in some kind of mania. Maybe you did it in some kind of woo woo woo. Maybe you're bipolar. I don't know. Doesn't matter to me. You still did it, but you also want to move to Dallas. What do you want more?

• 35:32Speaker 03

  I want to move to Dallas. It's very important to me.

• 35:33Caleb Hammer?

  Then return this, can you?

• 35:36Speaker 03

  I don't know.

• 35:38Caleb Hammer?

  Was it here?

• 35:38Speaker 03

  The, the, the, yeah, it was in North Park in Dallas. Uh, I drove here from Dallas to get here after I flew in from Michigan, but I could, I can't return the cologne. That's a given, you know? Already sprayed that one.

• 35:48Caleb Hammer?

  How much was that?

• 35:49Speaker 03

  350.

• 35:51Caleb Hammer?

  Good, I don't even notice it, man. What are we?

• 35:55Speaker 03

  I put it on a few hours ago.

• 35:57Caleb Hammer?

  Well, if it's a good cologne, it should be good then.

• 35:59Speaker 03

  Yeah.

• 36:02Speaker 03

  I'm a good smelling person. I, I, that's something.

• 36:05Caleb Hammer?

  I'm not saying you're a bad smelling person.

• 36:06Speaker 03

  That's something valuable to me.

• 36:07Caleb Hammer?

  It's cologne when we're moving to Dallas. How much do you need to move to Dallas? What have you established? You need to move to, move to Dallas.

• 36:12Speaker 03

  I need to go positive first. I need to pay off my debts. I don't want to have these insane monthly payments.

• 36:16Caleb Hammer?

  How much debt do you have?

• 36:17Speaker 03

  Uh, I think somewhere in the ballpark range of 25 to 30,000 dollars.

• 36:22Caleb Hammer?

  Yeah, 25,313 dollars. How the are you paying that off when you?

• 36:27Speaker 03

  Oh, and that's not including, I don't think that includes my 9,000 dollars of property debt.

• 36:35Caleb Hammer?

  What?

• 37:05Caleb Hammer?

  What did you do? Go around, chew everything up and piss on everything?

• 37:09Speaker 03

  I, no.

• 37:11Caleb Hammer?

  Like a bad boy?

• 37:12Speaker 03

  I couldn't afford the apartment after me and my partner split. So I just kinda left.

• 37:17Caleb Hammer?

  She left the apartment, you didn't leave?

• 37:18Speaker 03

  I kicked her out.

• 37:21Caleb Hammer?

  Okay, and she wasn't on it?

• 37:23Speaker 03

  She was on the lease, but she was a secondary.

• 37:25Caleb Hammer?

  Uh...

• 37:26Speaker 03

  So I removed her.

• 37:27Caleb Hammer?

  No! Okay, when was that? How long has this been? How long have you owed this?

• 37:35Speaker 03

  October 2024 was the end of my lease.

• 37:40Caleb Hammer?

  It's been a whole year.

• 37:41Speaker 03

  I can't rent.

• 37:42Caleb Hammer?

  Been a whole... How are you then?

• 37:45Speaker 03

  Uh, my girlfriend.

• 37:46Caleb Hammer?

  You're just renting from your girlfriend?

• 37:48Speaker 03

  No, no, no, I'm on the lease. I'm on, as a secondary. She was already approved in a place and then I got on to it.

• 37:52Caleb Hammer?

  You're just gonna go get a place yourself?

• 37:53Speaker 03

  Yeah.

• 37:54Caleb Hammer?

  So she's gonna get the place?

• 37:56Speaker 03

  She'll get approved for it with, uh, her income.

• 37:58Caleb Hammer?

  With her income? Is her income good?

• 38:00Speaker 03

  Yeah.

• 38:00Caleb Hammer?

  What does she do?

• 38:01Speaker 03

  She's a test driver.

• 38:03Caleb Hammer?

  Is she gonna be a test driver there?

• 38:04Speaker 03

  She can, she can transfer.

• 38:06Caleb Hammer?

  That's a good industry in...

• 38:08Speaker 03

  Yeah.

• 38:08Caleb Hammer?

  In Dallas? Cause I know Detroit's like the car place.

• 38:11Speaker 03

  Yeah, well Dallas has a major car scene with the dealerships, you know, I don't know about manufacturing, but she doesn't need to be a manufacturer, she's...

• 38:18Caleb Hammer?

  Oh, it's for dealerships?

• 38:19Speaker 03

  Not, hers right now is not, but she can go to a dealership.

• 38:22Caleb Hammer?

  Will it pay as much?

• 38:23Speaker 03

  More.

• 38:24Caleb Hammer?

  What does she make?

• 38:25Speaker 03

  Hmm, 18 hour? You know, literally.

• 38:27Caleb Hammer?

  So you won't be able to get approved for very much with that?

• 38:30Speaker 03

  We can get approved for bare bones until I get everything figured out with my, uh, situation.

• 38:35Caleb Hammer?

  So you have all that and then plus?

• 38:37Speaker 03

  Yeah.

• 38:38Caleb Hammer?

  We have...

• 38:39Speaker 03

  But I'm not giving them nine grand. I'm gonna settle like two years from now and call them and say, "I'll give you three grand and you're gonna deal with it."

• 38:43Caleb Hammer?

  Well, hopefully they accept it.

• 38:45Speaker 03

  Yeah.

• 38:45Caleb Hammer?

  They might not. Is it in a collection?

• 38:47Speaker 03

  It's in collections.

• 38:48Caleb Hammer?

  Is it in a collection agency or is it owed to the apartment?

• 38:51Speaker 03

  Collection agency.

• 38:52Caleb Hammer?

  Okay, well, yeah, they might be willing to negotiate a bit more. And it's been in collections for about a year?

• 38:57Speaker 03

  Probably, yeah.

• 38:58Caleb Hammer?

  Six months? Cause I don't know how long until it went to collections. Dude, this makes no sense. Again, this is, your priorities are just out of whack. You wanna move to Dallas, you need to get positive to move to Dallas, but you already have $35,000 of debt. Sanity, when we include that collections.

• 39:17Caleb Hammer?

  And you don't put any money, you overspent. Like you overspent, I mean, it wasn't insane for what it's worth. Uh, like, you overspent a few hundred dollars.

• 39:26Speaker 03

  It's things I feel like I need.

• 39:27Caleb Hammer?

  But it's still, but you needed cologne?

• 39:30Speaker 03

  I'm in the service industry, I need to smell good for my customers, you know, my guests.

• 39:34Caleb Hammer?

  I don't think anyone wants to be smelling a bunch of scents when they're wanting to eat food.

• 39:37Speaker 03

  They do, I get comments all day, because I put it on my wrists when I'm reaching across, you know, oh my god, you smell lovely. My tip percentage averages goes up when I smell good.

• 39:44Caleb Hammer?

  Yeah, I'm sure they want your tip.

• 39:45Speaker 03

  Maybe? I don't judge.

• 39:51Caleb Hammer?

  Okay. Okay. Uh, so... I want to understand your mindset a little better. Tell me about yesterday, because it was 3.50 on sunglasses, 3.50 on a hoodie, 3.50 on cologne.

• 40:03Speaker 03

  2.50.

• 40:04Caleb Hammer?

  It's insane, 2.50, okay. So... Walk me through where your mind was yesterday, as you were going into this.

• 40:10Speaker 03

  Okay, so, the first thing was I wasn't gonna buy anything. And then it transitioned into, because my buddy had bought something, into, okay, well, my Neiman Marcus card is my lowest balance. And I have room on it. And I was like, oh, I'm about to lock in after this thing today, where I'm at now, with you. Uh, I do that a lot. I'll, I'll, I'll make up for unspent money by spending a lot, knowing that I'll probably lock in after the fact, and get it paid down. And I use spending as my motivation to lock in. Like, the more I spend, the higher my payments go, the more money I have to make, the more I actually have to go to work, the more I have to save. It's kind of my motivation.

• 40:47Caleb Hammer?

  Just tell me yesterday, though, I want to, like, put me in your mind, you're there, what's happening?

• 40:51Speaker 03

  I saw this hoodie. I had touched the hoodie, felt very good, felt like a thousand dollar hoodie. Was 2.50. I only had 300 dollars on my Neiman Marcus card.

• 40:59Caleb Hammer?

  Fuck's sake.

• 40:59Speaker 03

  With 1700 dollars left over. And I was like, okay, easy, whatever, this won't even move my balance. And then, I went to the cologne section. Uh, and then I was asking the lady to show me this cologne and I also asked her to pull out this pair of glasses that I tried on. I loved both and she was very sweet.

• 41:14Caleb Hammer?

  Of course you did.

• 41:15Speaker 03

  And she was very sweet.

• 41:16Caleb Hammer?

  Nice old lady?

• 41:17Speaker 03

  Nice old lady, very sweet, offered by me a cookie.

• 41:19Caleb Hammer?

  Well, you know, they get commissions.

• 41:21Speaker 03

  I know, I know.

• 41:21Caleb Hammer?

  And they're there to fuck, yeah, exactly. They're vultures.

• 41:25Speaker 03

  Yep, and she vultured me. She's, I don't regret it. I hope she got a very nice meal out of what I bought.

• 41:29Caleb Hammer?

  She did. You're paying for her life for you to get [BLEEP] and not move to Dallas. Well done.

• 41:33Speaker 03

  Yes, yes. Um, and in my head, it was, well, I'm gonna do this thing today and I'm probably gonna have my eyes opened and I'll, I'll just get back to Michigan, work, only put money into things that matter, like my credit cards, make sure my payments are on time.

• 41:47Caleb Hammer?

  But that's what it's always gonna be, isn't it? It's always, I will do this later.

• 41:50Speaker 03

  This, it always feels different, though, if that makes sense.

• 41:52Caleb Hammer?

  So what felt different now?

• 41:53Speaker 03

  That I flew all the way across the [BLEEP] country to be on this show for the help. Because you guys don't allow me to plug anything. This isn't gonna benefit me. People are gonna want-

• 42:02Caleb Hammer?

  Then why the [BLEEP] are you here? Because it's supposed to be benefiting you in a way of fixing your finances.

• 42:05Speaker 03

  That's the way I was gonna say. It benefits me in that way. It doesn't benefit me in my career path at all, which is social media. It does nothing for me, but this is gonna hopefully help me open my eyes a little bit. Because I wouldn't have flown here, you know, if I didn't see a benefit for it at all.

• 42:19Caleb Hammer?

  I mean, there's gonna be some guys in the audience. We, we, you know, we, we, we, we, we love all, we love, we love all the funds. I'm sure we got some furries. I'm sure, you know, I, we, you know, we got, we got the gays. You know, we got them all. They are going to, they will find your [BLEEP] online somehow.

• 42:38Speaker 03

  It's on Google.

• 42:39Caleb Hammer?

  It's on Google? Your [BLEEP] on Google?

• 42:41Speaker 03

  My [BLEEP] is on Google. My [BLEEP] side of my ex is on Google.

• 42:45Caleb Hammer?

  On Google?

• 42:46Speaker 03

  On Google.

• 42:47Caleb Hammer?

  How on Google? What do you mean on Google?

• 42:48Speaker 03

  You turn off Safe Search, you type in a certain phrase and you just press images. It's all over the place. We had a very successful OnlyFans.

• 42:54Caleb Hammer?

  Dare I ask, what's the phrase?

• 42:55Speaker 03

  That's not, uh-

• 42:56Caleb Hammer?

  We'll bleep it.

• 42:57Speaker 03

  You could type in [BLEEP] Only [BLEEP] leaks, or you can type in, uh, [BLEEP] Only [BLEEP] leaks and it'll pop up [BLEEP]. Furry guy on [BLEEP] something, something, and then you can type in, uh, [BLEEP] Only [BLEEP] leaks and they all pop up.

• 43:13Speaker 03

  Originally I did it for my-

• 43:14Caleb Hammer?

  Dude, I'm a gooner and half those words didn't make sense to me.

• 43:17Speaker 03

  I don't goon. I don't watch, I don't do any of that. This is just stuff that I've known from the hi- like my hi- my history.

• 43:22Caleb Hammer?

  Okay, um, listen, you're not a credit card person, guy. I think the best thing you could do for your future, when you actually come into this money again, which I hope you do, that's not just how the world works. I think you've been in the right place, right time. That doesn't mean that's gonna infinitely happen forever.

• 43:40Speaker 03

  I know.

• 43:40Caleb Hammer?

  But either way, just close your accounts. Yeah, you'll f*** your credit for a bitch, but your card's already f***ed anyway, so I don't really care. Open the FIS cards, the debit card that builds credit, but at least you can't overspend what's in your checking account. I just, you cannot use credit cards. You can't be trusted with them. You go into Neiman Marcus, if you didn't have the thousand dollars in your checking account, you wouldn't have spent it. But you, you had the abail- the ability, now maxing out your credit card probably, pretty darn close.

• 44:03Speaker 03

  No, I still have a thousand dollars left on it.

• 44:05Caleb Hammer?

  No, not a full thousand, probably like seven hundred or so, but either way, because you had the ability to go spend it on a credit card, you did.

• 44:13Speaker 03

  You should've seen the way my eyes lit up when they called me from Chase and said, "Hey, we just gave you an eleven thousand dollar limit." Called my dad, "Dad, they just gave me this great credit card."

• 44:22Caleb Hammer?

  Actually?

• 44:23Speaker 03

  Yeah. I was still at the dealership. This was just entirely without the only f*** or anything. And I got this eleven thousand dollar limit from the Freedom with eighteen months no interest. And I was very behaved on it for the first few months I had it.

• 44:34Caleb Hammer?

  Yes, you're a good boy, we all know.

• 44:35Speaker 03

  I was a good boy, um, as my tail starts to wag.

• 44:39Caleb Hammer?

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• 45:22Caleb Hammer?

  Actual availability and my favorite part, you can often get same day appointments. No phone tag, no hold music, just click book done. It's what I'd use if I needed to book a doctor fast. Stop putting off those doctors appointments to go to zocdoc.com slash Caleb to find an instantly book a top rated doctor today. That is z o c d o c dot com slash Caleb, zocdoc.com slash Caleb. Let's get back to the show.

• 45:47Speaker 03

  And then I kind of fell off the boat when the breakup happened because I was withheld funds that I needed and

• 45:53Caleb Hammer?

  By her?

• 45:53Speaker 03

  By her.

• 45:54Caleb Hammer?

  Did she owe it legally, contractually?

• 45:56Speaker 03

  Legally, we had no paperwork. We had a verbal agreement.

• 45:58Caleb Hammer?

  Do paperwork.

• 45:59Speaker 03

  Yeah, it was the, her dab was the only reason that I ended up getting some money and that was because I had to sell her my previous fur suit for $5,000. And then that $5,000 was gone three days.

• 46:08Caleb Hammer?

  Collection, how much?

• 46:09Speaker 03

  This is my only one now. I've probably spent at least 12 grand on my fur collections in the last three years.

• 46:14Caleb Hammer?

  How much does the whole, how would you sell that for 75 right now?

• 46:17Speaker 03

  I would just post it.

• 46:18Caleb Hammer?

  And people would get it for 75?

• 46:20Speaker 03

  They would bid for it and it'd probably go a little over seven because of all the art, the reputation that comes with it.

• 46:25Caleb Hammer?

  But you've, you've fallen off for a while.

• 46:27Speaker 03

  I'm no, I'm on right now. In the furry community, I know you say, oh, it's only 35K.

• 46:31Caleb Hammer?

  That's like, yeah, but you bragged about the almost million and that fell off.

• 46:34Speaker 03

  That was because of my cat. I was not the main focal figure of that social media.

• 46:37Caleb Hammer?

  Cat got him, it's so easy to get followers on TikTok. It's so hairy.

• 46:40Speaker 03

  There was a hairless cat named Lola. I used to yell at her, oh, I wrote this for Rary Chicken. And then those videos just popped the hell off from like 2017, 2019.

• 46:47Caleb Hammer?

  Okay. Yeah. I mean, you, you have skills for what it's worth.

• 46:52Speaker 03

  I used to work for rappers, like I have, I have, I'm not gonna lie. I have fallen off in terms of where I was in life. I used to be Baby No Money's marketing director. I was working with Young Gravy. I went backstage for Poo Ya.

• 47:02Caleb Hammer?

  Did they connect you with the show?

• 47:03Speaker 03

  I, I, so, no.

• 47:05Caleb Hammer?

  They like the show.

• 47:06Speaker 03

  I had no idea.

• 47:07Caleb Hammer?

  They've text, they've, they've both texted asking if we want to have a month, just both their finances are great.

• 47:12Speaker 03

  I'll hold my opinions on both of them.

• 47:14Caleb Hammer?

  I like them.

• 47:15Speaker 03

  Watch this. Alex is a piece of

• 47:17Caleb Hammer?

  Uh, which one's that?

• 47:18Speaker 03

  Baby No Money.

• 47:19Caleb Hammer?

  Why?

• 47:19Speaker 03

  He never paid me, not a dime. Worked for him for about three years. He promised me as soon as he would make it, he would give me money. I made him memes. I ran his platforms for him. I helped him with meme marketing.

• 47:27Caleb Hammer?

  Was it contracted?

• 47:28Speaker 03

  Well, nope. I was young. He, we, he first got in contact with me when I was 17, 16 actually, and used my skills for years. And then when La La La dropped, uh, June of 2019, 2020, he just completely cut me off and hired the buddy that I introduced him to full time.

• 47:42Caleb Hammer?

  To be clear, you're starting B B.

• 47:46Speaker 03

  Baby No Money.

• 47:47Caleb Hammer?

  Baby No Money drama, right now.

• 47:49Speaker 03

  I've, oh, I've already had, I have a video on my platform, calling him out with over 150,000 views.

• 47:53Caleb Hammer?

  You are on a much larger platform, I am saying. This might start-

• 47:56Speaker 03

  That's okay. Alexander Gabuchin, fuck you.

• 48:00Speaker 03

  Sue me. See what you get out of it.

• 48:04Caleb Hammer?

  Um, I will say Baby No Money, I like your music. I don't know you, I appreciated the few texts we've had back and forth.

• 48:11Speaker 03

  Yeah, I'm sure he asked you to use his music on one of your videos and that I plan to pay you.

• 48:14Caleb Hammer?

  No.

• 48:15Speaker 03

  That's surprising.

• 48:16Caleb Hammer?

  No, no, no, he's been on Nice Coffee Hour.

• 48:17Speaker 03

  Okay.

• 48:18Caleb Hammer?

  With Graham and Jack, my pals. Um, so, and, you know, we talked about, he, he, we were this close to filming Financial Audit, then he had to film out the next day. Young Gravy?

• 48:27Speaker 03

  I will say, I can't say anything bad about Matt.

• 48:28Caleb Hammer?

  Okay, good, cuz he performed at my university, he also planned coming on.

• 48:32Speaker 03

  Gravy's good. We lost contact, we never had any obligations with each other. I did a lot, like, some stuff for him, nothing professionally. He brought me backstage like three times. Great guy. I love Matthew. Alex, on the other hand, not so much.

• 48:45Caleb Hammer?

  Ladies and gentlemen, you know where you love our Financial Audit's lesbian correspondent. I need a, uh, uh, uh, what, what do we call a Financial Audit lesbian score, please? Zero to 10, zero being the lowest, 10 being the highest.

• 48:59Speaker 05

  On you, okay.

• 49:00Speaker 03

  I know I have a haircut of a lesbian woman.

• 49:03Speaker 05

  Yes.

• 49:03Speaker 03

  Yeah, a masked lesbian.

• 49:04Speaker 05

  Okay, um-

• 49:05Speaker 03

  And that.

• 49:07Caleb Hammer?

  You sucked a couple-

• 49:07Speaker 05

  Okay, well, I will, oh.

• 49:09Speaker 03

  I've had two dicks in my mouth.

• 49:10Speaker 05

  This is more like a gay quiz.

• 49:11Speaker 03

  I've been inside two men.

• 49:12Caleb Hammer?

  Yeah, but, you know-

• 49:13Speaker 05

  You've been inside two men!

• 49:13Caleb Hammer?

  But it's a lesbian's-

• 49:14Speaker 03

  But I am straight. I've had to figure it out.

• 49:16Speaker 05

  You've been inside two men, but you're straight?

• 49:18Speaker 03

  Yes, I didn't enjoy it. It was honestly the worst thing ever.

• 49:21Speaker 05

  So, wait-

• 49:22Speaker 03

  Not really.

• 49:23Speaker 05

  Take me through that, because you went inside one man, and you were like, "Ah, give it one more try."

• 49:27Speaker 03

  Well, yeah, it was like, oh, you know, just because the first bite's not that good, doesn't mean the second bite can't be better.

• 49:32Speaker 05

  Yeah.

• 49:33Speaker 03

  So-

• 49:33Speaker 05

  Uh, okay. What kind of car do you drive?

• 49:36Speaker 03

  Lexus. V8, LS460.

• 49:39Speaker 05

  Um, do you like going to hardware stores?

• 49:43Speaker 03

  No.

• 49:44Speaker 05

  Ooh. Do you have any tattoos?

• 49:51Speaker 03

  Yeah.

• 49:52Speaker 05

  Okay.

• 49:52Speaker 03

  Like, seven.

• 49:53Speaker 05

  Um, I'm trying to think. Have you watched, um, Carol?

• 49:59Speaker 03

  Oh, oh, the, uh, the Netflix animated series?

• 50:01Speaker 05

  Nope.

• 50:02Speaker 03

  Nope.

• 50:02Speaker 05

  Nope. Yeah, no, this, he's not a lesbian.

• 50:04Caleb Hammer?

  What's the score?

• 50:06Speaker 03

  It's really not the animated series, Carol?

• 50:08Speaker 05

  Two out of 10.

• 50:09Caleb Hammer?

  Two out of 10. Ladies and gentlemen, if you want your Hammer lesbian score, your Hammer lesbian score, go to CalebHammer.com/lesbian.

• 50:19Speaker 03

  I wish I would've scored higher on that.

• 50:20Caleb Hammer?

  And how much does Baby Know Money owe ya?

• 50:22Speaker 03

  The thing is, there is no way for me to give a number of how much he owes me because we never had a contract.

• 50:26Caleb Hammer?

  What's the range that you thought you would be owed?

• 50:29Speaker 03

  With what my service was and what we accomplished together over those few years, I would say at least in the range of a few thousand dollars. You know, traveling to these events for him and to actually, because the real reason he put me backstage for a few of these events is because I had such a large TikTok platform. He wanted me to promote backstage content.

• 50:46Caleb Hammer?

  Yeah, he collaborates with creators all the time.

• 50:47Speaker 03

  Yes, but this was on top of what I was doing for him with the meme page marketing. I was actually putting him in contact with all these very successful meme pages that he had no contact with at the time because he was a nobody. This was during, this was before the Recess album dropped.

• 51:01Caleb Hammer?

  I like his music, but I honestly do not know this.

• 51:03Speaker 03

  He was only getting a few thousand streams a month. He was beginning and I saw the potential in him and I taught him the method he uses to this day, which he was supposed to stop when he got the money for it. But the method I taught him was just leech. You know, reach out to these DM, DM these meme page people with large audiences and say, hey, I'd really like for you to use my music in a video. I have no intention-

• 51:23Caleb Hammer?

  Leeching, that's what like everyone does.

• 51:24Speaker 03

  Well, he would tell them that eventually he would pay them. Well, I'm not the only case. There's people posting about him now as well. These streamers that are talking about his failure to deliver on his promises. And as soon as you ask him for any money, he posts your contact.

• 51:37Caleb Hammer?

  We are starting some big drama right now. Not gonna lie. This is, this will probably be online. Well, this will be online, but this will probably be a-

• 51:43Speaker 03

  I'm, I'm, I'm just, I'm hurt. I'm not gonna lie because we had a really good connection.

• 51:47Caleb Hammer?

  So put a number to it.

• 51:48Speaker 03

  20K. 20K. For the success that he garnered.

• 51:53Caleb Hammer?

  I can pay off two-thirds of your debt.

• 51:54Speaker 03

  That would pay off almost everything. It would change my life. And it's nothing to Alex. And I know he might sit here and say, and try to deny-

• 52:02Caleb Hammer?

  You, you don't know his finances.

• 52:04Speaker 03

  I know it's very good.

• 52:05Caleb Hammer?

  Oh, I'm sure it is well.

• 52:06Speaker 03

  It's very good. I know that he had made-

• 52:07Caleb Hammer?

  How good, how well?

• 52:08Speaker 03

  I know La La La alone in the first year of it being out made him a little over 1.5 million.

• 52:13Caleb Hammer?

  Okay, but after taxes.

• 52:15Speaker 03

  But that's just the first year of it being out.

• 52:19Speaker 03

  And that's one of his songs. He's got many songs that are almost on the same level of success as La La La.

• 52:23Caleb Hammer?

  What's La La La?

• 52:24Speaker 03

  La La, I'm a pop off and your girl gave me that one, the one everybody knows.

• 52:29Caleb Hammer?

  Oh, I like that one.

• 52:30Speaker 03

  I had it before it came out. I was one of the people he trusted with that song.

• 52:34Caleb Hammer?

  Is BB No Money who you stuck it in?

• 52:36Speaker 03

  No. No. And I will say the funniest thing, the first, the first message he ever sent me was what the you're 16 because he didn't know. And it wasn't, I'm not saying anything bad about that. I'm just saying he was unaware that I was as young as I was because of what I knew and what I had accomplished at the time.

• 52:52Caleb Hammer?

  Okay.

• 52:53Speaker 03

  And Matt put me in contact with him, gravy.

• 52:55Caleb Hammer?

  Matt, oh.

• 52:56Speaker 03

  We, we were, we were, we became Facebook friends, me and Baby No Money.

• 52:59Caleb Hammer?

  Wow.

• 53:00Speaker 03

  Yeah. And we had a very close connection for about three years. No, I don't, I don't, I don't know how to poke. I never poked anyone on Facebook. I thought that was a MySpace thing.

• 53:10Speaker 03

  Sorry, I'm 23.

• 53:11Caleb Hammer?

  Anything else you want to say on that? Cause this is all going out there. So this is the time before we move on.

• 53:15Speaker 03

  I'm willing to have a conversation.

• 53:17Caleb Hammer?

  With him?

• 53:17Speaker 03

  With him, if he would actually get back to me. But I know he's seen my videos talking about him.

• 53:21Caleb Hammer?

  He's blocking you.

• 53:22Speaker 03

  That's okay.

• 53:23Caleb Hammer?

  No, is he blocking you?

• 53:24Speaker 03

  No, I'm not blocked.

• 53:27Speaker 03

  I've seen.

• 53:27Caleb Hammer?

  You've texted him.

• 53:28Speaker 03

  Um, I've mentioned him in my story directly, calling him out a few times. And I think there might be.

• 53:32Caleb Hammer?

  You haven't tried to contact him?

• 53:34Speaker 03

  I have tried to contact him. I emailed him before asking him to reach out to me, nothing. I reached out on other social media platforms, nothing. And then I made the, and then I resorted to the videos, which one on Tik Tok got like a hundred thousand views and one on Instagram got like a hundred and 50,000 views, directly calling him out for what I have just told you with proof, with evidence, you know, with our, with our messages, with me backstage with him. I wish I had more, but you know, being in the relationship I was, she went through my camera roll and deleted everything from before 2021 because it wasn't, you know, she didn't know me at the time. So she's like, you have no reason to remember any of this.

• 54:06Caleb Hammer?

  Maybe we'll look at those.

• 54:07Speaker 03

  Sure.

• 54:08Caleb Hammer?

  Messages and posts in the post show. I need to get, I want to get back to the finances. Less of the drama. $10,627.90 with a minimum monthly payment of 357 on your Chase Freedom Card. How long does this take to pay off if you make your minimum payments only, which is all you do and don't purchase, which you purchase.

• 54:30Speaker 03

  It's like 24 years.

• 54:32Caleb Hammer?

  22 years.

• 54:33Speaker 03

  22 years.

• 54:33Caleb Hammer?

  That's insanity.

• 54:35Speaker 03

  I'm aware. Most people can't say that. They'll just be like, I don't know how long.

• 54:39Caleb Hammer?

  Yeah, you're aware, which almost I would argue is potentially worse because it's not ignorance. It's actively choosing to fuck yourself over. And you're saying you're marrying this girl? You're gonna fuck her life over. Okay? And she's not the breadwinner. She does okay, but she's not the breadwinner.

• 54:57Speaker 03

  I think it's a thing of self-destruction. I've always kinda pursued that. Not in like a suicidal way. Just like, it just feels good to struggle. For some reason. In relationships, in friendships, in career choices.

• 55:10Caleb Hammer?

  What are you talking about? What kind of cope is this?

• 55:12Speaker 03

  I don't know.

• 55:12Caleb Hammer?

  What feels good? You like getting choked down?

• 55:14Speaker 03

  Yes.

• 55:16Caleb Hammer?

  Ay, yo, what the fuck? Okay, so you're sub.

• 55:18Speaker 03

  Masochist.

• 55:19Caleb Hammer?

  You like being sub in life?

• 55:21Speaker 03

  Yeah, I like to get fucked by life.

• 55:25Speaker 04

  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.

• 55:54Speaker 03

  Life is choking me out every day. It feels great. Because it feels like I'm suffocating with the debts I have.

• 55:58Caleb Hammer?

  Great, you like it. Why would you wanna change it then?

• 56:00Speaker 03

  That's because I don't actually like it. Externally, I like it.

• 56:03Caleb Hammer?

  Okay, this makes no sense.

• 56:04Speaker 03

  Exactly, this is inside my mind.

• 56:06Caleb Hammer?

  What you're saying makes no sense to me then.

• 56:07Speaker 03

  Makes no sense to me either. This is something I've struggled with for a long time. That I'm just like, why am I the way I am? I've talked to psychiatrists, I've been to therapy. Only thing they've said is just, oh, take this medication. And I don't wanna do that. Why would I wanna do that? And I'm already on albuterol for the rest of my life, blood pressure medication for the rest of my life, Adderall.

• 56:26Caleb Hammer?

  What? Why blood pressure?

• 56:28Speaker 03

  I've, uh, so my debt originally started because of my heart problems. I had a potentially pulmonary hypertension, which is high blood pressure within the lungs. And I was in and out of ERs, hospitals. I was having heart palpitations. I thought I was gonna stroke out at a very young age because I was, I was struggling with substance usage at the time, but no longer anymore. And now...

• 56:47Caleb Hammer?

  Oh, well, that's why.

• 56:48Speaker 03

  Yeah.

• 56:49Caleb Hammer?

  What was your substance?

• 56:50Speaker 03

  I didn't know at the time what they were pressed with, but it was f***ed pressed X. And I was taking that for a long time. Throughout 2019, 2018 to 2020.

• 57:00Caleb Hammer?

  You were young.

• 57:01Speaker 03

  The pandemic, yeah.

• 57:04Caleb Hammer?

  Yeah.

• 57:05Speaker 03

  And when you have that plus a surplus of income coming, oh, I didn't even mention the meme page money. I was making like three to $500 a day from promotions when I was a meme page called.

• 57:14Caleb Hammer?

  Why'd you stop that then?

• 57:15Speaker 03

  I got banned, which is why I learned how to get people unbanned.

• 57:19Caleb Hammer?

  Yeah, that would do it. It's Taco Bell, Sonic, Chick-fil-A, Chick-fil-A, you're a bad gay. Planet Fitness is okay. And then Dunkin' Donuts, and you've had a late fee this year so far, so I don't want to. Apparently you said earlier.

• 57:31Speaker 03

  What do you mean, late fee?

• 57:32Caleb Hammer?

  Late fee.

• 57:32Speaker 03

  On what?

• 57:33Caleb Hammer?

  That's card. Chase Freedom.

• 57:37Speaker 03

  That's new to me. You're teaching me something.

• 57:39Caleb Hammer?

  Exactly. And that's why I always make sure you extra confirm at the beginning that you haven't had a late fee.

• 57:44Speaker 03

  That's surprising.

• 57:45Caleb Hammer?

  Always in these conversations.

• 57:47Speaker 03

  That's surprising.

• 57:47Caleb Hammer?

  Yeah, I don't know what month it was, but it's been this year.

• 57:50Speaker 03

  Okay, that's very surprising.

• 57:52Caleb Hammer?

  Why?

• 57:53Speaker 03

  Because I'm, I do, I know as irresponsible as I look and I act and I am, I do make sure that I make my payments. I pick up shifts if I think I'm gonna be even remotely close to being short. I can work seven, I've, I've worked 14 days straight just to ensure that I've got everything I need. And I have a little bit left over as well. You know, because I do care about my credit history. I know that it's right now, but I know that there's something to be saved. If I take care of my payments right now, and then I actually pay it down over the next couple of years.

• 58:22Caleb Hammer?

  At a 28.24% interest rate, you're just spending so much money on bullshit here.

• 58:26Speaker 03

  I know, and the food is explainable. It's, it's because I like to feed my girlfriend. It's not her fault.

• 58:31Caleb Hammer?

  You can't cook?

• 58:32Speaker 03

  I do cook, I just don't cook enough.

• 58:34Caleb Hammer?

  Well, cook more. Meal prep especially, use the Butcher Friendly Cookbook. Like, what are we trying to do, right?

• 58:40Speaker 03

  Yeah.

• 58:40Caleb Hammer?

  And you feeding her is going and getting Dunkin?

• 58:43Speaker 03

  Yeah.

• 58:43Caleb Hammer?

  Taco Bell, Sonic, Chick-fil-A, Chick-fil-A. Other than Chick-fil-A, the rest of it is honestly just kinda shit.

• 58:47Speaker 03

  It is shit food. There's not a lot of options in Michigan.

• 58:50Caleb Hammer?

  That's all, I'm from Michigan, it's a literal lie. I'm from a smaller town. You're in a, still a major city.

• 58:57Speaker 03

  I'm not that close to.

• 58:58Caleb Hammer?

  You're in deep suburb.

• 58:59Speaker 06

  In the motherfucking suburbs with your. Raw, bing, bop, bop. Ayo Terry, fuck going on?

• 59:07Speaker 03

  Yeah, and we have like

• 59:10Speaker 03

  checkers, we got, uh, Coney Islands, which are all

• 59:13Caleb Hammer?

  Hey, I know where you work. That's good food.

• 59:15Speaker 03

  Well, yeah, you'll see a bunch of those on there.

• 59:18Caleb Hammer?

  Idiot. That's the one thing you didn't want to talk about. Unless you're okay with it being there.

• 59:22Speaker 03

  Uh, I'd rather not.

• 59:23Caleb Hammer?

  Okay, leave it!

• 59:24Speaker 03

  People already call where I work.

• 59:25Caleb Hammer?

  Stop it. Oh, well, they probably will again if they

• 59:30Speaker 03

  I don't care. My management are in your nose, so it's nothing. Well, that's the thing about restaurants. They hire everybody. They hire like, you gotta have a major criminal history.

• 59:37Caleb Hammer?

  Who do you think's in the back? They're degenerates.

• 59:41Speaker 03

  Not, not where I work, but in the past where I've worked, uh, the, the dishwashers were convicted sex offenders.

• 59:49Speaker 03

  They hired

• 59:50Speaker 04

  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.

• 1:00:19Speaker 03

  They're everybody in the restaurants.

• 1:00:22Caleb Hammer?

  Oh.

• 1:00:23Speaker 03

  Where I work now, my coworkers are great. I love them. Hi, guys.

• 1:00:27Caleb Hammer?

  Oh, okay.

• 1:00:30Caleb Hammer?

  You're making me do this right now.

• 1:00:33Speaker 03

  What was that?

• 1:00:34Caleb Hammer?

  A tom.

• 1:00:35Speaker 03

  I know it wasn't a mint.

• 1:00:39Speaker 03

  That's not a bad breath dig either. That's just, I know you

• 1:00:42Caleb Hammer?

  No, why are you so parasocial? How do you know I hate men?

• 1:00:44Speaker 03

  Oh gee, I don't know. I have no idea. Just a thought, I guess.

• 1:00:48Caleb Hammer?

  You don't want to fuck me, do you?

• 1:00:50Speaker 03

  Um, no, I don't think I do.

• 1:00:55Speaker 03

  I couldn't take the hammer. It's exit only, like I said. You don't, you don't strike me as a bottom.

• 1:01:01Caleb Hammer?

  I wouldn't be.

• 1:01:03Speaker 03

  Maybe you put this on, maybe, but

• 1:01:05Caleb Hammer?

  I don't think so. Again, to clarify, into women, it doesn't matter, but um, listen here, big guy, instead of the Dunkin' Donuts. You know what's a little interesting about this, because we're in the drama thing here.

• 1:01:22Caleb Hammer?

  This is your little gamer subs. You can give her this. This is your free sample. You guys can get free samples below. The link below. But the reason I'm giving you this. Well, you know why.

• 1:01:32Speaker 03

  Is Schmitty behind that?

• 1:01:34Caleb Hammer?

  This is Charlie.

• 1:01:35Speaker 03

  Charlie.

• 1:01:36Caleb Hammer?

  BB No Money's friend.

• 1:01:38Speaker 03

  Oh, Moist Critical, yeah. Yeah, I know, they love each other.

• 1:01:41Caleb Hammer?

  I'm a piece of-

• 1:01:42Speaker 03

  He's really close with people that actually benefit him, so that makes sense.

• 1:01:45Caleb Hammer?

  Well, dude, it's business.

• 1:01:46Speaker 03

  If Charlie got banned tomorrow, you wouldn't be friends with him.

• 1:01:48Caleb Hammer?

  Well, here you go. Give her this instead of Dunkin'. It's 25 cents a servings instead of stopping and getting your fucking $4 energy drink. Link below, best drinks. You get the shaker. This is what I'm doing. I have mine.

• 1:02:00Speaker 03

  I will use this.

• 1:02:01Caleb Hammer?

  Yes, you will. It's good.

• 1:02:03Speaker 03

  I also have a Keurig maker.

• 1:02:04Caleb Hammer?

  And you can also get free samples to test them out first.

• 1:02:06Speaker 03

  I don't have to have Dunkin'. I've got a Keurig. I just, you know.

• 1:02:09Caleb Hammer?

  Honestly, Keurig's probably better than Dunkin'. Dunkin's not that good. Okay.

• 1:02:14Caleb Hammer?

  Such a distracting conversation. What is this? What am I looking at? Is this a firm?

• 1:02:16Speaker 03

  Is that my affirm? Yes.

• 1:02:18Caleb Hammer?

  Right.

• 1:02:19Speaker 03

  That is-

• 1:02:20Caleb Hammer?

  What's going on with this?

• 1:02:20Speaker 03

  Primarily Walmart, I'm pretty sure.

• 1:02:23Caleb Hammer?

  Um, Amazon, Amazon, Walmart.

• 1:02:25Speaker 03

  Yeah, Amazon-

• 1:02:26Caleb Hammer?

  What's the 1260? 53 from Amazon?

• 1:02:30Speaker 03

  That was recent.

• 1:02:32Caleb Hammer?

  Yeah, it is? What is it?

• 1:02:34Speaker 03

  I needed to furnish my place. I didn't want to have a bare bones house.

• 1:02:36Caleb Hammer?

  But you can. Do you guys live together?

• 1:02:39Speaker 03

  Yeah.

• 1:02:39Caleb Hammer?

  But you can.

• 1:02:40Speaker 03

  Yeah, well, I wanted a furnished place, you know, for content purposes.

• 1:02:43Caleb Hammer?

  For content, you're moving out, you're leaving, you're trying to get the fucking Dallas?

• 1:02:47Speaker 03

  Yes.

• 1:02:48Caleb Hammer?

  So why? And then the Amazon 597?

• 1:02:52Speaker 03

  More stuff for the apartment, house, sorry.

• 1:02:54Caleb Hammer?

  And the Walmart 205?

• 1:02:56Speaker 03

  That was our TV that I first got when I moved to Michigan and a pair of Skullcrusher headphones.

• 1:03:02Caleb Hammer?

  Here you are, a emo freak, aren't you?

• 1:03:04Speaker 03

  No, I look like bass.

• 1:03:07Speaker 03

  Is Skullcrusher emo? Is that what I'm hearing right now? Oh.

• 1:03:11Caleb Hammer?

  That's very emo, guy. You serious?

• 1:03:18Speaker 03

  I mean, I wouldn't even consider myself emo, so this is

• 1:03:21Caleb Hammer?

  Look at you.

• 1:03:22Speaker 03

  I like dark aesthetics. And my chemical romance.

• 1:03:25Caleb Hammer?

  I mean, come on, let's be, you sat at the freak table in high school.

• 1:03:28Speaker 03

  Actually, I was extremely popular in high school.

• 1:03:30Caleb Hammer?

  Yeah, but you sat at the freak table.

• 1:03:31Speaker 03

  I was most likely to be a celebrity and I was class president, uh, junior and sophomore.

• 1:03:36Caleb Hammer?

  No, I'm not saying you weren't popular, but you probably sat at the freak table, because look at you.

• 1:03:40Speaker 03

  Well, I, I made the freaks. I got people out of their shelves, you know, out of their, their shelves.

• 1:03:45Caleb Hammer?

  Okay, yo, $2,000, uh, $63.41, what's your minimum you're owing on a firm?

• 1:03:50Speaker 03

  Uh, the big one, the 1,200, I do-

• 1:03:52Caleb Hammer?

  Just, just all of it?

• 1:03:53Speaker 03

  In total, like, I think 220, 240 a month?

• 1:03:56Caleb Hammer?

  240. Pull up your Amazon for me right now.

• 1:04:01Speaker 03

  It is up. One of my recent orders.

• 1:04:03Caleb Hammer?

  And start a screen recording while blackout private.

• 1:04:05Speaker 03

  You... want it?

• 1:04:07Caleb Hammer?

  Give.

• 1:04:10Caleb Hammer?

  Selfie stick, so he can record himself getting pegged, we love it. There's a video card. Professional carpet cleaner, because he pisses everywhere, like a bad boy.

• 1:04:18Speaker 03

  That was for this.

• 1:04:19Caleb Hammer?

  Sectional, LED, what content are you even doing right now? The smart lights, smart lights, foam mattress, blankets, pots, some of this isn't the worst. We don't need the fucking lights, because there's lights, there's lights. You don't need the side tables right now, you don't, nah, the TV stand, that's okay. Uh, comforter, that's okay, bed sheets, that's okay. You didn't need a high pressure handle for your shower, didn't need, you didn't need the mirror.

• 1:04:46Caleb Hammer?

  So, some of it's good, some of it's bad.

• 1:04:48Speaker 03

  The mirror was a necessity. How am I supposed to take shirtless furry pictures without a mirror?

• 1:04:53Caleb Hammer?

  So, we're still doing that?

• 1:04:55Speaker 03

  Well, the thing is, so I don't do nude-

• 1:04:56Caleb Hammer?

  What are we trying to do?

• 1:04:56Speaker 03

  I'm not nude in my own [bleep]. I'm not naked, I don't do that anymore.

• 1:04:59Caleb Hammer?

  Yeah, but you're also not making much money.

• 1:05:01Speaker 03

  No, like, I think I do like 250 a month from the only [bleep]. Uh, right now, I've got like 36 people on there. I don't promote it.

• 1:05:08Caleb Hammer?

  Our subscriptions, CapCut, Gmail-

• 1:05:12Caleb Hammer?

  iCloud Plus, Insta360, Instagram and Pixart.

• 1:05:16Speaker 03

  Yes, all those. I can't get rid of any of those.

• 1:05:18Caleb Hammer?

  Wonderful. No, it pays for it with the social media stuff you do. It's just not great. But it's fine. I just wish the social media brought in more money. I don't necessarily like online products unless you really, really, really want to do it. I just don't like when people fall into it because they feel like they need to do it.

• 1:05:34Speaker 03

  That's kind of where I'm at right now.

• 1:05:35Caleb Hammer?

  What, need or want?

• 1:05:36Speaker 03

  Need.

• 1:05:37Caleb Hammer?

  See, I don't like it. I don't want you to do it then.

• 1:05:39Speaker 03

  Well, I don't want to do it necessarily either.

• 1:05:42Caleb Hammer?

  Then I really don't want you to do it.

• 1:05:43Speaker 03

  Well, here's the thing. This is my just, where I work, it is extremely labor intensive. And missing one day is me losing 300 bucks, or 200 sometimes, whatever. The only [bleep] to me is a substitute to being able to take a day off. Because if I lose $300 for a day off, I get it rebacked from the only [bleep].

• 1:05:59Caleb Hammer?

  Is that worth it to you?

• 1:06:01Speaker 03

  For my physical health and my mental health? A little bit. It's, it's, I'm hoping i-if I decide I'm gonna stick with it, that it can make a little bit more. But I'm really on the borderline of just quitting altogether. Uh, it's not something that makes me happy.

• 1:06:15Caleb Hammer?

  Good, then quit.

• 1:06:17Speaker 03

  But it's something I do feel a little drawn to for financial assistance.

• 1:06:21Caleb Hammer?

  Oh, for financial, then quit. I, quit. Okay, what's Canalafi?

• 1:06:26Speaker 03

  Qualify?

• 1:06:26Caleb Hammer?

  Yeah, Qualify. What's that?

• 1:06:28Speaker 03

  So that was going to be our coffee table and side tables for the living room.

• 1:06:32Caleb Hammer?

  More [bleep] furniture, dude. This is so [bleep] stupid. Really, your furniture right now is a lot of your debt that's preventing you from going to Dallas. The furniture for Detroit is literally preventing you from moving to Dallas.

• 1:06:42Speaker 03

  Yeah.

• 1:06:42Caleb Hammer?

  Now how [bleep] stupid that is?

• 1:06:44Speaker 03

  Very [bleep] stupid.

• 1:06:45Caleb Hammer?

  And also why Dallas? I just don't get it. Out of all the Texas cities.

• 1:06:47Speaker 03

  Well, it's not gonna be Dallas. Well, it's like when you live in Frisco, you're gonna tell someone from Michigan, you're gonna live in Dallas.

• 1:06:52Caleb Hammer?

  Deep suburbia, even worse, you're gonna kill.

• 1:06:53Speaker 03

  No, I don't want to live in Frisco. I'm talking about like, I'd probably be...

• 1:06:57Caleb Hammer?

  No, but if not in Dallas, you're gonna be in a deep suburb.

• 1:06:59Speaker 03

  Yeah, I like suburbs. 20 minute travel to Dallas, where all the money is, 25. There's dealerships all over Grapevine.

• 1:07:06Caleb Hammer?

  Oh, for dealership life, yeah. If you want to live in a car infrastructure place where it's depressing to go outside, then yeah, that's a good place for car dealerships.

• 1:07:12Speaker 03

  There's just a lot of move, uh, movement is what I'm looking for. I'm looking for the ability to move up.

• 1:07:16Caleb Hammer?

  On highways.

• 1:07:17Speaker 03

  Yeah. My, uh, city traffic, but, uh, career path is what I'm most focused on.

• 1:07:20Caleb Hammer?

  Ah, that kind of movement. $878.34. What's your minimum monthly payment? Oh, it's $21.43.

• 1:07:27Speaker 03

  Yes.

• 1:07:28Caleb Hammer?

  Is there interest on this?

• 1:07:29Speaker 03

  If I don't pay it within 90 days, yes.

• 1:07:31Caleb Hammer?

  90 days? From when? From now? From when?

• 1:07:34Speaker 03

  From month and a half, two months ago. We just moved in. We only paid rent once.

• 1:07:38Caleb Hammer?

  Two months ago, would... That's

• 1:07:40Speaker 03

  Month and a half.

• 1:07:40Caleb Hammer?

  What are we at? So a month and a half from now?

• 1:07:42Speaker 03

  We're halfway through that 90 day period, yes.

• 1:07:44Caleb Hammer?

  Oh, is it back interest?

• 1:07:46Speaker 03

  It's bad interest if I let it go.

• 1:07:48Caleb Hammer?

  Is it back?

• 1:07:49Speaker 03

  I don't know if it's-

• 1:07:49Caleb Hammer?

  Is it accruing already and then it hits?

• 1:07:51Speaker 03

  No, it doesn't accrue until 90 days. And then it's the total of what I have left over.

• 1:07:55Caleb Hammer?

  Total you have left over starts accruing interest?

• 1:07:57Speaker 03

  Yes.

• 1:07:58Caleb Hammer?

  Oh, okay.

• 1:07:58Speaker 03

  And it's like 100% some crazy [bleep] number, like progressive leasing, you know? Predatory if you can't pay it off in 90 days.

• 1:08:05Caleb Hammer?

  Okay, we gotta prioritize that. Hi, listen here, financial audit. I've curated the exact resources and tools I personally use, or would use if I was in certain situations. So, take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200, all the way up to $30,000 depending on initial funding amount, and up to 8.1% APY on your money, and up to 3.5 matches for your IRA. And then, number two, a great new checking account that I've switched over from SoFi, and it's called Chime.

• 1:08:47Caleb Hammer?

  Get that $550 bonus when you sign up with Direct Deposit and get almost 4% on your money just sitting there. And then, three, automate your investing with Acorns. Usually, sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today. Quicksilver one. I mean, we're back over $1,000 again. What's up with this?

• 1:09:31Speaker 03

  That one's been maxed out for like two years.

• 1:09:33Caleb Hammer?

  Why?

• 1:09:33Speaker 03

  I don't know exactly.

• 1:09:35Caleb Hammer?

  Because you spend!

• 1:09:37Speaker 03

  Well, when I was released into the public, into freedom, when I got apart from my relationship, when I was back in real life. Because I wasn't allowed to go out. I wasn't allowed to have a social life. When I got back into the world, I didn't have a job. I was using my credit cards to stay afloat. Quicksilver being one of them. But I think the Quicksilver was already mostly maxed out when I first came into freedom. I think the, the freedom card kinda saved my

• 1:10:03Caleb Hammer?

  This is insane. This takes eight years to pay off. Just this alone. With a $39 minimum monthly payment, $25.88 of interest is accruing.

• 1:10:13Caleb Hammer?

  You have to be spending money on here, or else this would get lower at some point. If it's been maxed out for years, you are spending money. There's no other alternative.

• 1:10:22Speaker 03

  I'm spending money. I'm spending money that I don't need to be. I mean, I just got this two weeks ago, this hoodie.

• 1:10:27Caleb Hammer?

  Oh, the emo one.

• 1:10:28Speaker 03

  I bought this cash. This is a

• 1:10:31Caleb Hammer?

  When'd you spend going out to eat last month?

• 1:10:33Speaker 03

  Probably 800 bucks.

• 1:10:34Caleb Hammer?

  It was $800. Dude, you're so, this is what pisses me off more than anything. You're knowledgeable.

• 1:10:39Speaker 03

  I know my

• 1:10:42Caleb Hammer?

  This makes no sense, the way you're living life. You have a goal, but you're doing, it feels like, anything and everything to not go to the goal.

• 1:10:50Speaker 03

  I feel like I keep moving the goalpost.

• 1:10:52Caleb Hammer?

  Sure, we'll get to that spending here soon. 30% interest rate on this. Okay, Capital One Platinum.

• 1:10:59Speaker 03

  That was my first credit card.

• 1:11:01Caleb Hammer?

  Oh, wonderful. What's going on with it? You're spending, I'll tell you that. You're spending on a card that is maxed out, that is accruing interest, that you are not able to pay off on a monthly basis. Why the possibly why?

• 1:11:10Speaker 03

  So when I use that card, or when I actually, really, any of my credit cards, I typically have enough in my checking's account to buy it outright, but then I think, well, why drop myself low when I can just swipe my credit card right now? And still have $900 for any emergency things that might pop up.

• 1:11:26Caleb Hammer?

  You're losing so much, though. This takes three years to pay off if you don't even purchase, dude. If you don't even purchase. And it's just raising canes. It's nothing that's even necessary. If it was an emergency, something like you're talking about? Like, that shouldn't be being taken away from your checking account anyway, okay? It shouldn't be, because you're trying to get to your goal. And you don't get to your goal by spending $35.50 on raising canes, $800 on a month, going out to eat. You make a good income. We can pay off this debt in a reasonable amount of time. You're set up for success, but you refuse. You refuse in every way possible to get to that success.

• 1:12:00Speaker 03

  Well, I've got financial anxiety.

• 1:12:01Caleb Hammer?

  You're acting like a child.

• 1:12:02Speaker 03

  Well, yeah. It's like financial anxiety. Like, so you hear, like, here's the thing.

• 1:12:05Caleb Hammer?

  Wouldn't be the best way to get from anxiety. Avoidance is usually what happens in anxiety. So you'd be avoiding spending money that is preventing you from having financial security if you're anxious about it.

• 1:12:15Speaker 03

  Well, I would rather see liquid in my checking's account than see my balance go down for some reason. I'm trying to like.

• 1:12:20Caleb Hammer?

  No, it doesn't matter anyway. You wouldn't have been spending Raising Cane's or $800 of fast food on your checking either. So that is not a valid excuse because that wouldn't have been spent regardless of where.

• 1:12:31Speaker 03

  Well, it's the small payments, like Raising Cane's, probably 30 bucks. If I have a thousand bucks in my checking's account.

• 1:12:35Caleb Hammer?

  Thousand at Neiman Marcus yesterday. That wouldn't have been checking accounts.

• 1:12:39Speaker 03

  That was stupid. But the Cane's, I think of it as, okay, it's 30 bucks right now, but then I do it again the next day. Oh, it's only 20 bucks. And then I do it the day after.

• 1:12:45Caleb Hammer?

  You know this. You're saying this right now. You know this. You know it.

• 1:12:48Speaker 03

  It's a cycle, a vicious cycle that I am struggling to get out of. Does it help that I've never had financial assistance my whole life and I've been independent since I was?

• 1:12:57Caleb Hammer?

  You. I never had, well, financial assistance in what way? Education or just money? You've been, you made $20,000 before we've, before I even could even conceive of that kind of money in terms of age. So I don't want to hear it.

• 1:13:09Speaker 03

  Help. I'm, I've never, like, my parents have never given, like, just advice, like, saving, investing.

• 1:13:13Caleb Hammer?

  No one does.

• 1:13:14Speaker 03

  I feel like that's not true. I feel like a lot of people have families that show them what to do.

• 1:13:18Caleb Hammer?

  No one I know that got financial advice. My financial advice was to open up a credit card and max it out at 18 to get a piano I wanted. What the are we talking about, buddy? That is just such a cope for you excusing you being a dumb with Raising Cane's every day.

• 1:13:31Speaker 03

  People that, because my friends have had financial help. They've had their parents walk them through opening a 401k, their investments account, all of that.

• 1:13:37Caleb Hammer?

  Still, this doesn't excuse you going to $1,000 at Neiman Marcus yesterday.

• 1:13:40Speaker 03

  No, that was stupid.

• 1:13:41Caleb Hammer?

  Yes!

• 1:13:42Speaker 03

  Don't regret it. I will, but not right now. I don't regret it right now. I will regret it, but not right now.

• 1:13:47Caleb Hammer?

  What? That doesn't make sense. Because if you don't regret it right now, then you're gonna go do it tomorrow again, just like you did with Raising Cane's yesterday, then today.

• 1:13:54Speaker 03

  I won't.

• 1:13:54Caleb Hammer?

  What? Yes, you would. If you do not have remorse, why wouldn't you?

• 1:13:57Speaker 03

  My buyer's remorse takes a little bit to kick in, longer than most people.

• 1:13:59Caleb Hammer?

  But if you don't regret it, then why would you not purchase tomorrow again?

• 1:14:03Speaker 03

  Well, because yesterday was like, you know, going out with a bang. It's like, if you're gonna have a last party ever, a last hurrah, might as well do it right. And that was my kind of justification for doing that yesterday.

• 1:14:11Caleb Hammer?

  Because that never works. That never works. That's what people do with their diets. That's what people do with their drugs. That's what people do with their drinking. That never works. You're just continuing to fuel that dopamine release that you are getting. And apparently you're out there just spending like 40 bucks on vapes constantly and then giving them to coworkers.

• 1:14:29Speaker 03

  Yes.

• 1:14:29Caleb Hammer?

  As well, underage?

• 1:14:30Speaker 03

  No, no, no, no.

• 1:14:31Caleb Hammer?

  Why?

• 1:14:32Speaker 03

  Because I don't like to own one. I don't like to own one.

• 1:14:35Caleb Hammer?

  You don't have money.

• 1:14:36Speaker 03

  I'll get one for like a night if I know I'm gonna be with friends or if I'm gonna have a drink. And then the next day I go to work, I'll be hitting it and I'm like, I don't want to own this because then I'm gonna hit it when I'm at a house and all that. And I'll just give it to someone. I'll be like, who wants it? And I'll put it up. Whoever grabs it first.

• 1:14:47Caleb Hammer?

  Oh, your generation sucks with their addiction to vaping. It's insane.

• 1:14:53Speaker 03

  I don't have one on me now.

• 1:14:54Caleb Hammer?

  I thought we were over the nicotine addiction. Like, we were on that downside and then you guys just went.

• 1:15:01Speaker 03

  Well, I've got no nicotine on me now. I can go weeks on it without it and then I just pick it up for a couple of days and then stop it again.

• 1:15:07Caleb Hammer?

  I mean, that is still that. It is money. Okay.

• 1:15:12Caleb Hammer?

  I don't even know what this is. This doesn't even have a brand on it other than the W. What is this?

• 1:15:16Speaker 03

  Oh, Westlake Financial. That's my car payment.

• 1:15:19Caleb Hammer?

  Okay, this is your car?

• 1:15:21Speaker 03

  Yeah.

• 1:15:22Caleb Hammer?

  Okay, okay, very good. Car, this doesn't make sense. You have $9,764.57 to pay. You said you had a $15,000 car, but put 10 down.

• 1:15:32Speaker 03

  I got a 10% interest rate and a $3,500 warranty.

• 1:15:35Caleb Hammer?

  No, that still math doesn't add up because your interest rate wouldn't make your balance go up. Your minimum payment will always be enough to make it go down a little.

• 1:15:41Speaker 03

  Maybe it was 16. Would that make sense if it was 16?

• 1:15:43Caleb Hammer?

  17, maybe?

• 1:15:45Speaker 03

  I know, because it was listed.

• 1:15:46Caleb Hammer?

  Unless you looped in taxes and everything too, probably.

• 1:15:48Speaker 03

  Probably.

• 1:15:49Caleb Hammer?

  Good. What do you think it's worth?

• 1:15:50Speaker 03

  I'm in positive equity. I know that. I know that I could trade in value at least 11.

• 1:15:54Caleb Hammer?

  Yeah, it's right around there. 11 to 13, 13 private, 11 for trade-in. So barely positive, but in a way that kind of works. What I don't like is the 10% interest on this because it's just like, you're not beating it.

• 1:16:04Speaker 03

  At the time, that was very low. I was a salesperson.

• 1:16:07Caleb Hammer?

  Very low what?

• 1:16:08Speaker 03

  As a used car salesperson, a 9 point whatever percent interest rate was very low for a 2012, which is why I jumped on it, especially being a first time buyer.

• 1:16:15Caleb Hammer?

  And you wouldn't get it. Also, I see people get lower rates all the time on this show with worse finances. I don't know what you're talking about.

• 1:16:20Speaker 03

  I don't know. I was seeing 15, 20, 25% everywhere else.

• 1:16:23Caleb Hammer?

  People are getting subprime is like above in that 20% that's subprime borrowers.

• 1:16:28Speaker 03

  Well, prime used to be 6%. Yes, and so a 9% on a 2012 used with almost six figures of mileage. It was a little over nine. It's like nine and a half, 9.6%.

• 1:16:36Caleb Hammer?

  Okay, you're not beating the market if this money was just in the market, though.

• 1:16:40Speaker 03

  It made sense to me at the time as a first time buyer, putting as much as I was putting down, low payments and a low term.

• 1:16:45Caleb Hammer?

  I'm happy you have an equity position.

• 1:16:47Speaker 03

  I do have an equity position.

• 1:16:48Caleb Hammer?

  But it's just the rate I really don't like. Why haven't you tried to refinance then?

• 1:16:52Speaker 03

  My credit's They're gonna look at me and

• 1:16:54Caleb Hammer?

  The whole time?

• 1:16:55Speaker 03

  Not, no, it wasn't up until about six months after I bought the car. Cause I had bought the Lexus, breakup happened like a month later, and then everything went to shit. Maxed out the Freedom card within a span of two months.

• 1:17:06Caleb Hammer?

  You have to get new tires right now.

• 1:17:08Speaker 03

  I do need new tires, yeah, bedtime.

• 1:17:10Caleb Hammer?

  What's that gonna cost?

• 1:17:11Speaker 03

  650, 750.

• 1:17:13Caleb Hammer?

  Why are you paying for that in your mind? Credit card?

• 1:17:15Speaker 03

  Well, okay, I was approved.

• 1:17:17Caleb Hammer?

  Afraid to take it from our checkbook.

• 1:17:18Speaker 03

  I was approved for a finance line for it, but I'm not going to.

• 1:17:21Caleb Hammer?

  Is that what we're gonna do constantly?

• 1:17:23Speaker 03

  No, I'm not going to. I'm gonna make sure I have the money for it. You know, it may mean picking up a few shifts to have a little bit of spending.

• 1:17:28Caleb Hammer?

  Dude, you should pick up every shift in the world to pay off all this debt and budget it out and then you can move to Dallas.

• 1:17:33Speaker 03

  I would love to, but I walk at least six miles a shift. I get beat the fuck up after a week of work.

• 1:17:36Caleb Hammer?

  But you're 23.

• 1:17:37Speaker 03

  Yeah.

• 1:17:38Caleb Hammer?

  This is time to do it.

• 1:17:39Speaker 03

  Yeah, I'm 23. I'm young and I'm young and bold, but still, it's a lot on the body.

• 1:17:43Caleb Hammer?

  You can, dude, you can do it. I don't want to hear it. Come on, you can do it.

• 1:17:47Speaker 03

  I'm happy to hear my equity position is a positive for you. It's the first positive all day.

• 1:17:50Caleb Hammer?

  Other than your status, right?

• 1:17:52Speaker 03

  And the status. What status?

• 1:17:58Caleb Hammer?

  Is that all your debt?

• 1:17:59Speaker 03

  I don't think so. No.

• 1:18:02Caleb Hammer?

  What else is there?

• 1:18:03Speaker 03

  Uh, we're missing the, we're missing the 11. Did we talk about the almost $11,000 credit card?

• 1:18:08Caleb Hammer?

  What?

• 1:18:09Speaker 03

  The Chase Freedom?

• 1:18:10Caleb Hammer?

  Yeah, yeah, that was the second one. Is there another one?

• 1:18:14Speaker 03

  No, no. So we got to the Quicksilver.

• 1:18:17Caleb Hammer?

  Well, there's the apartment debt.

• 1:18:19Speaker 03

  Yeah.

• 1:18:19Caleb Hammer?

  So what is that, 9,000?

• 1:18:21Speaker 03

  95.

• 1:18:23Speaker 03

  And that was

• 1:18:23Caleb Hammer?

  Thirty-five hundred, okay.

• 1:18:24Speaker 03

  That was from, uh, um, eviction fees, late.

• 1:18:28Caleb Hammer?

  Oh, there's a Best Buy!

• 1:18:30Speaker 03

  Oh yeah, the Best Buy credit card, that's a-

• 1:18:32Caleb Hammer?

  Pull that up!

• 1:18:32Speaker 03

  I can't, I don't know how to, I've never-

• 1:18:34Caleb Hammer?

  What do you owe on it?

• 1:18:36Speaker 03

  Sixteen, fifteen, sixteen hundred, something like that.

• 1:18:38Caleb Hammer?

  Why?

• 1:18:39Speaker 03

  I bought my girlfriend an iPad so she could pursue a drawing career.

• 1:18:41Caleb Hammer?

  You bought your girlfriend, it's not even you!

• 1:18:42Speaker 03

  Yes, not even me, I bought her an iPad so she could pursue a drawing career and I have Apple-

• 1:18:46Caleb Hammer?

  A drawing career.

• 1:18:48Speaker 03

  Uh, she makes money from it, yeah, she makes like a couple hundred dollars a week from it, um, I got a Ninja Smoothie and whatever bowl maker, and then I got an air fryer, and then I got, uh, some microphones that I needed, I use all the f**k time. I think that's it.

• 1:19:07Speaker 03

  Almost bought the 360 camera on it, but that ended up being-

• 1:19:10Caleb Hammer?

  One thousand six hundred dollars, what's your minimum monthly payment?

• 1:19:13Speaker 03

  I don't know, I called them and just set it up and told them to put the auto pay on, I don't know, I've never accessed that account.

• 1:19:18Caleb Hammer?

  You're gonna guess it's like fifty bucks?

• 1:19:19Speaker 03

  Yeah.

• 1:19:20Caleb Hammer?

  But you say you're making your minimum payments forever, and we know you had a late payment this year so far in one of these that we already looked at.

• 1:19:25Speaker 03

  Which is a shock to me, I didn't know that.

• 1:19:26Caleb Hammer?

  Yeah, but that means I don't even think you might know if you're even paying the Best Buy one!

• 1:19:30Speaker 03

  I am, I know that what I am.

• 1:19:31Caleb Hammer?

  How do you know?

• 1:19:32Speaker 03

  Because I haven't gotten any angry emails from them like I did the first time. Cause the first time I'd, I'd used it, I didn't set up the auto pay, I just kind of assumed that it would already do that for me, and it, it missed a month. Then I knocked it out, paid it down to zero, and then I let it rack back up again.

• 1:19:45Caleb Hammer?

  Oh, f**k, you got medical collections too?

• 1:19:47Speaker 03

  Yes, from all the hard stuff.

• 1:19:49Caleb Hammer?

  Oh, f**k, when was that?

• 1:19:51Speaker 03

  Uh, that started in two thousand eighteen, and then went until about late twenty twenty-two, it wasn't up until recently that I was reassured.

• 1:19:59Caleb Hammer?

  What do you owe?

• 1:20:00Speaker 03

  I don't believe it is owing, cause I'm not giving them anything, but I think it's in the thirty to forty thousand dollar range.

• 1:20:04Caleb Hammer?

  You do owe it in a f**k your credit.

• 1:20:07Speaker 03

  Probably thirty, forty, something like that.

• 1:20:09Caleb Hammer?

  I'll say thirty-five thousand dollars, now, listen, I get it, and that sucks, you can usually get on a payment plan at the hospital, I would rather do that. Um, the, you, I, this sucks, okay? That you have that.

• 1:20:20Speaker 03

  Mm-hmm.

• 1:20:20Caleb Hammer?

  I'm glad you're alive. You're willing to f*** your entire credit for a long time?

• 1:20:24Speaker 03

  Well, it hasn't affected my credit yet. My deductions are not from my medical debt.

• 1:20:28Caleb Hammer?

  It's not on your credit?

• 1:20:29Speaker 03

  No.

• 1:20:30Caleb Hammer?

  It might be soon. A court decided that it can be now.

• 1:20:32Speaker 03

  It's been years.

• 1:20:33Caleb Hammer?

  I know, but a court's decided it can be now, so it might.

• 1:20:35Speaker 03

  If it hits me, it hits me and I'll figure it out, but it's something that I had no choice.

• 1:20:39Caleb Hammer?

  If it doesn't, then you're right. I also don't care about it.

• 1:20:40Speaker 03

  I had no choice.

• 1:20:41Caleb Hammer?

  I know you didn't have a choice. I'm not saying like, ruh ruh, I'm glad you have this. I'm just talking about the impact on your life.

• 1:20:46Speaker 03

  Well, the thing is, uh, it ended up being a misdiagnosis. So all this money I ended up spending on everything was totally for nothing. I had waited over two ye- almost two years for the right card to all this. I had none. I needed to get a cardiac MRI and upfront that was ninety-five hundred dollars. Couldn't afford it.

• 1:21:02Caleb Hammer?

  Bullshit.

• 1:21:04Speaker 03

  Well, I could, I still want to.

• 1:21:06Caleb Hammer?

  Yeah, I was gonna say, one,

• 1:21:07Speaker 03

  Cause it was like four hundred dollars a month.

• 1:21:08Caleb Hammer?

  Either you can afford it, or two, it'll be completely subsidized and you'll get essentially free health insurance through the Affordable Care Act.

• 1:21:13Speaker 03

  I do in Michigan. I get free, I get free healthcare.

• 1:21:15Caleb Hammer?

  There you, you, right now, you make money. Why the f*** would you have free health insurance?

• 1:21:19Speaker 03

  They gave me Medicaid.

• 1:21:20Caleb Hammer?

  That's disgusting. That, you should not be subsidized right now. You make good money.

• 1:21:24Speaker 03

  Hmm, but we offer no healthcare through where I work and I'd rather not pay anything.

• 1:21:28Caleb Hammer?

  That doesn't matter. You can afford it. Why should you be subsidized through the taxpayer while you net? While you net alone, seventy-four thousand dollars a year, net! A hundred gross.

• 1:21:39Speaker 03

  That does fluctuate though, cause the, the five hundred dollars.

• 1:21:41Caleb Hammer?

  We gave on average.

• 1:21:43Speaker 03

  Okay, yeah, yeah. I just, I just, I, I have things I wanna spend my money on and I feel like I can't when I'm paying for things I like medical debt, like medical insurance. And it never even f***ed me in the first place when I did have insurance, cause Texas's insurance plans were so stupid.

• 1:21:57Caleb Hammer?

  No, that doesn't make any sense. You just have to get the insurance that aligns with, one, your medical needs, two, the hospitals you go to.

• 1:22:04Speaker 03

  Do you know how much I would still pay with, for, with insurance on paying?

• 1:22:07Caleb Hammer?

  Depends, what insurance do you have? Cause your deductibles can range.

• 1:22:10Speaker 03

  It was Blue Cross.

• 1:22:11Caleb Hammer?

  Still, there's plans within it where your deductibles are higher or lower, minimum to payments are higher or lower.

• 1:22:15Speaker 03

  Well, I'm still paying for my prescriptions every time I went to go pick those up.

• 1:22:17Caleb Hammer?

  Exactly. It also depends on your plan.

• 1:22:19Speaker 03

  I was still paying for fat chunks of, uh, ER visits and all that.

• 1:22:22Caleb Hammer?

  Depends on your plan!

• 1:22:23Speaker 03

  Yeah, so it didn't make any sense to me. I was like, I'm, I'm accruing debt anyway.

• 1:22:25Caleb Hammer?

  Depends on your plan!

• 1:22:26Speaker 03

  I don't have health insurance knowledge. It's like one of the worst things I'm at.

• 1:22:29Caleb Hammer?

  Yeah, but you, it literally, it's very descriptive on the website.

• 1:22:32Speaker 03

  Healthcare.gov. It wasn't very descriptive for me. I told it everything I needed.

• 1:22:37Caleb Hammer?

  When I lost a job once and got very nervous, even though I was making money, I went on to healthcare.gov and I signed up for it in an emergency fear way. I didn't end up using it and all this stuff, but I knew exactly what to sign up for. It was so easy and it took like 10 minutes.

• 1:22:50Speaker 03

  I thought I knew. I put everything in. I told them my pre-existing medical.

• 1:22:53Caleb Hammer?

  Don't make me the person defending our healthcare system because our health insurance is insane. But come on, there is a little bit of accountability here.

• 1:23:01Speaker 03

  Well, yeah, of lack of knowledge.

• 1:23:02Caleb Hammer?

  And then you, and not lack of knowledge, you just have to read the description. And two, you should not be subsidized netting 74,000 hours.

• 1:23:08Speaker 03

  Well, this was new. I applied for Medicaid when I first moved to Michigan unemployed.

• 1:23:12Caleb Hammer?

  They allow someone to move into the state.

• 1:23:14Speaker 03

  I was in Michigan for less than a week.

• 1:23:15Caleb Hammer?

  And immediately claim, hey, I need money.

• 1:23:16Speaker 03

  Yes, I got Medicaid within the week.

• 1:23:18Caleb Hammer?

  That's kind of insane.

• 1:23:19Speaker 03

  Molina Healthcare. Immediately, as soon as I moved to Michigan, there was no hesitation. They had sent it to me that like week after.

• 1:23:25Caleb Hammer?

  That's really insane that we're just like, hey, please move here and let's support you immediately.

• 1:23:30Speaker 03

  I'm blessed. I mean, I know I probably don't deserve it, but you know, my medication's expensive and when I go to the doctor, you know, for asthma reasons.

• 1:23:38Caleb Hammer?

  By the time your episode's coming out, I'm talking to Governor Whitmer in that chair.

• 1:23:42Speaker 03

  I'll take advantage of it before.

• 1:23:43Caleb Hammer?

  I'm gonna have to call this out. I'm gonna have to ask her, why the are you paying people to do? I guess they want more people to move there.

• 1:23:48Speaker 03

  Yeah.

• 1:23:49Caleb Hammer?

  Maybe that's why.

• 1:23:50Speaker 03

  Well, hopefully Michigan's on a come up. I don't really know anything about their economy.

• 1:23:53Caleb Hammer?

  Detroit's technically slightly increasing. First time in decades. Okay, no more debt. I don't think, right?

• 1:24:01Speaker 03

  I don't think so.

• 1:24:02Caleb Hammer?

  293 in our checking account and it started with 60. That's all we're trying to protect? Yeah, if we don't have any money, I guess. Apple Cash, who knows where. You went to Texas.

• 1:24:14Speaker 04

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• 1:24:43Caleb Hammer?

  This Roadhouse, you Cash App's out $25, Wendy's. Oh, oil, that's fine, probably an oil change or something, or maybe gas. Apple Cash sent out Chick-fil-A, McDonald's, Paris Baguette, Apple Cash, Party Store, KFC, Apple Cash. You send a lot of Apple Cash out. For what?

• 1:25:05Speaker 03

  Um, usually when my girlfriend like will buy me something, or she'll like-

• 1:25:09Caleb Hammer?

  Well, stop. We can't do that. You just can't do it.

• 1:25:11Speaker 03

  Well, she's also in charge of our-

• 1:25:13Caleb Hammer?

  You're winning, got some bullshit McDonald's, Starbucks, $5 from the gas station. What are you getting?

• 1:25:18Speaker 03

  $5 at the gas station? $5 for the gas?

• 1:25:20Caleb Hammer?

  Doubt it.

• 1:25:21Speaker 03

  Probably, yeah.

• 1:25:22Caleb Hammer?

  Really?

• 1:25:22Speaker 03

  I can't think of anything else. I don't buy alcohol. I don't buy cigarettes.

• 1:25:26Caleb Hammer?

  Snacks, there's drinks, there's-

• 1:25:28Speaker 03

  Maybe I got a Coke Zero.

• 1:25:29Caleb Hammer?

  There it is. Again, dude, gamer subs. Use it, 25 cents a serving, instead of your stupid $5 [bleep] s. It's just like making coffee at home, if you want your sweet treat that way. You shake it up, and it's 25 cents.

• 1:25:45Speaker 03

  Is there caffeine in it?

• 1:25:46Caleb Hammer?

  Caffeine-free and caffeine, depending on what you want. I do caffeine-free.

• 1:25:49Speaker 03

  Okay.

• 1:25:50Caleb Hammer?

  Cause I do coffee for my caffeine in the morning. Apple Cash, ATM withdrawal, ATM withdrawal, McDonald's, Cash App, going in and getting some bullshit Chick-fil-A, Prime, Bob Evans? Haven't [bleep] heard of that in forever. Who goes to Bob [bleep] Evans?

• 1:26:03Speaker 03

  I do. It's good.

• 1:26:05Caleb Hammer?

  Sonic, ATM withdrawal, Starbucks, Me6?

• 1:26:10Speaker 03

  My Discord. I pay for a bot that moderates it for me.

• 1:26:14Caleb Hammer?

  How many people are in your Discord?

• 1:26:15Speaker 03

  1100.

• 1:26:17Caleb Hammer?

  Why? Lady Jane, Apple Cash, Pizza, Taco Bell, DoorDash, Apple Bill, Panera, going in and getting some bullshit McDonald's, McDonald's, Car Wash, it's not even the wintertime, [bleep] you. You don't even need it right now. Chick-fil-A, Lady Jane, Apple Bill, Brew, like some Brew Liggins. Cash App, Home Goods, Going Indians, Bullshit, Apple Bill, Blue Margarita, Get In's Bullshit, Wendy's, Arby's, Touch Tunes, Drink Saloon, Fort and West Foo, Lemons Concessions, Bog House, Amazon, Good In's Bullshit, again, 25 cents, big, uh, uh, there you go, you stopped inside,

• 1:26:59Caleb Hammer?

  $3 there again, 25 cents, McDonald's, Swirled Tomatoes, Tormano's Pizza, Amazon Prime, Bath and Body Works, Marshall's, Panera Bread, Buffalo Wild Wings, oh, Winnie got some Bullshit, Scoops Ice Cream, Lady Jane, Spotify, and Poll Factory. I don't know, Poll Factory.

• 1:27:20Speaker 03

  Oh, P U L L. Factory, I don't know why it says, it's a vape place.

• 1:27:25Caleb Hammer?

  Savings went down from 625 to 310, well done, winner.

• 1:27:32Speaker 03

  Chicken dinner, bunch of chicken dinners on there, actually.

• 1:27:36Caleb Hammer?

  See if we can budget this, it's gonna be interesting, so I want you to get out of Dallas, I want you to be able to move to

• 1:27:44Caleb Hammer?

  a place that I don't understand why anyone lives, what a lot of people do.

• 1:27:47Speaker 03

  I mean, I love Dallas, compared to Detroit, it's way better.

• 1:27:51Caleb Hammer?

  Yeah, everything compared to Detroit, of course.

• 1:27:54Speaker 03

  I saw you're wearing a Lions jersey.

• 1:27:55Caleb Hammer?

  Oh, yeah, I support my home state. Austin FC here, Lions there, I'll probably support like, New York Basketball or something, who knows? Okay, Neiman Marcus, $40, and $357 for the Freedom Card, then $240 for the Affirm, $21.43 for the Qualify, but we gotta, well, actually, I'm not freaking out of paying that off early, if there's not any back interest, we just need to focus on smallest debts first. Quicksilver, 39, Platinum, 25, Car, 258.92, Best Buy, $50, and I doubt, you're not on a payment plan for the medical, correct?

• 1:28:34Speaker 03

  No.

• 1:28:35Caleb Hammer?

  Your debt penalty payment is $1,211.35, what's your rent, or your portion?

• 1:28:41Speaker 03

  $4.75.

• 1:28:42Caleb Hammer?

  Detroit, ladies and gentlemen.

• 1:28:43Speaker 03

  For a house.

• 1:28:44Caleb Hammer?

  Utilities?

• 1:28:45Speaker 03

  Uh, probably another 150.

• 1:28:47Caleb Hammer?

  That include any internet?

• 1:28:49Speaker 03

  200.

• 1:28:50Caleb Hammer?

  200 for internet?

• 1:28:51Speaker 03

  200 for everything.

• 1:28:51Caleb Hammer?

  Oh, 200, okay, for all utilities, good. Phone bill?

• 1:28:55Speaker 03

  112.

• 1:28:56Caleb Hammer?

  Eee, you obviously owe on your phone, right?

• 1:28:58Speaker 03

  Yes.

• 1:28:59Caleb Hammer?

  Cause you got your new, when you pay that off, switch to Helium, if T-Mobile's good in your area, I know it is in Dallas, so, you can do that, it's the budget friendly.

• 1:29:08Caleb Hammer?

  Same service and everything though. Uh, room from drive, drive gas, cause I know you're obsessed with gas cars, so how much?

• 1:29:14Speaker 03

  How much do I pay on gas?

• 1:29:16Caleb Hammer?

  Yeah.

• 1:29:17Speaker 03

  I'd say a buck fifty, hundred fifty a month. I don't drive much.

• 1:29:21Caleb Hammer?

  Okay, a hundred fifty, car insurance, Michigan, most expensive car insurance state?

• 1:29:25Speaker 03

  We'll say two hundred.

• 1:29:27Caleb Hammer?

  You don't know?

• 1:29:28Speaker 03

  I'm on my dad's plan.

• 1:29:30Caleb Hammer?

  Do you pay it?

• 1:29:30Speaker 03

  No.

• 1:29:31Caleb Hammer?

  Oh, then we're not putting it in your budget.

• 1:29:33Speaker 03

  But I would like to have it in the budget because I'm getting insurance. I'm not gonna be on his plan for very long, I'm off.

• 1:29:37Caleb Hammer?

  Well, when? When do you have to start it?

• 1:29:38Speaker 03

  Probably next month.

• 1:29:39Caleb Hammer?

  Oh, so two hundred?

• 1:29:40Speaker 03

  Yeah, so I'd like to put that in there.

• 1:29:42Caleb Hammer?

  It will be expensive in Texas and Michigan, but Michigan more expensive.

• 1:29:46Speaker 03

  Oh, great.

• 1:29:46Caleb Hammer?

  Necessary food, three hundred is what you can contribute to the grocery pile, meal prep, meal prep, warm up, that's it.

• 1:29:52Speaker 03

  Three hundred a month on groceries? I don't know if I can make that work.

• 1:29:54Caleb Hammer?

  You can with math.

• 1:29:56Speaker 03

  But also feeding someone.

• 1:29:58Caleb Hammer?

  No, that's what you can contribute to the pile, she can contribute three hundred as well.

• 1:30:01Speaker 03

  Okay.

• 1:30:02Caleb Hammer?

  Hundred to the TP fund, toothpaste, anything else you need, toilet paper, all the good stuff, medical healthcare copays on a monthly basis, do you have that?

• 1:30:09Speaker 03

  Nope.

• 1:30:09Caleb Hammer?

  Good. Do you have health, yes you do, right now you're on Medicaid, but you'll be kicked off come next tax season. In fact, this is somebody who hasn't filed his taxes in three years, getting Medicaid, isn't that wonderful, ladies and gentlemen, our country is so good. The way we do, that the way we do things, we're just incredible. Okay, subscriptions, what did you need for your business running?

• 1:30:28Speaker 03

  Uh, cap cut?

• 1:30:29Caleb Hammer?

  Just how much?

• 1:30:30Speaker 03

  Seventy-five.

• 1:30:31Caleb Hammer?

  Seventy-five, I'm okay with that, do you have any pets?

• 1:30:33Speaker 03

  Two cats.

• 1:30:35Caleb Hammer?

  Okay, ages and health?

• 1:30:37Speaker 03

  They're, they're a year old each, they're, they're, they're cheap, they're very healthy. Very healthy.

• 1:30:41Caleb Hammer?

  Do a hundred dollars in pet insurance, how much for cat food?

• 1:30:44Speaker 03

  Fifty, a month. Twenty on litter.

• 1:30:47Caleb Hammer?

  Anything else that needs to be in your budget that I, oh, and then twenty on litter, okay. Anything else that needs to be in your budget, that I have not taken into account?

• 1:30:55Speaker 03

  Oh, no, you already got car note, no, I think that's everything.

• 1:30:58Caleb Hammer?

  I mean, it should be pretty chill. You just don't know how to not go to Neiman Marcus like a dumbass. And spend on fast food or going into a gas station and getting some bullshit all day.

• 1:31:07Speaker 03

  Yeah, the food one's huge. If I stop food, I could easily pay another thousand dollars a month.

• 1:31:10Caleb Hammer?

  Two thousand nine hundred and ninety-three dollars, thirty-five cents needed to survive on a minimum monthly basis right now in Dallas, or in Detroit. Meaning, now, is that average? That's six thousand one hundred and eighty-three. Is that average a month?

• 1:31:21Speaker 03

  I think that might be a little inflated.

• 1:31:23Caleb Hammer?

  Okay, then how mu- give me a full average.

• 1:31:25Speaker 03

  I would say realistically, on a bad-

• 1:31:27Caleb Hammer?

  Across everything.

• 1:31:27Speaker 03

  Uh, like a-

• 1:31:28Caleb Hammer?

  No, average month!

• 1:31:29Speaker 03

  Forty-five.

• 1:31:30Caleb Hammer?

  Easy. Well, that's very different.

• 1:31:31Speaker 03

  Forty-five.

• 1:31:32Caleb Hammer?

  Okay, we're going down to four thousand five hundred now, but you still have an extra one thousand five hundred, six dollars and sixty-five cents a month. Let's just call it a thousand five.

• 1:31:39Speaker 03

  Yep.

• 1:31:40Caleb Hammer?

  That's if you actually budget. Here, let me give you two hundred and fifty dollars of fun, okay?

• 1:31:46Caleb Hammer?

  Two hundred and fifty dollars of fun. You budget that where you want. Use the Dollar Wise Budgeting app. Uh, one thousand two hundred and fifty is left over.

• 1:31:54Caleb Hammer?

  Okay. Uh, we're not gonna consider the medical. We're not gonna consider the apartment debt. So your debt besides that right now is twenty-five thousand, three hundred and thirteen dollars. Divide that by the one thousand two hundred and fifty. Well, I mean, we paid that off in under two years, and then we save up more. We, yeah, we, if the medical's not in collections, fine. We're not gonna worry about it. I know they're hounding you, but... Until it shows up on collections, we're not gonna care about it, but-

• 1:32:22Speaker 03

  It keeps going down when they contact me. It used to be like, we want nine grand.

• 1:32:25Caleb Hammer?

  They're probably trying to settle.

• 1:32:25Speaker 03

  Yeah.

• 1:32:26Caleb Hammer?

  An apartment, hopefully you save up an extra four thousand, so call it a full two years total. You offer that over and over again until they accept it. Never giving them access to your accounts, obviously. Um, so two years to pay off your debt? Can you do two years to pay, go to Dallas? Listen, you can, you can move to Dallas if you sell your shit, move there cheap and live on the grind. When I first moved to Austin, I slept on an air mattress for nine months. Listen, you're not gonna do this with your girlfriend, but if you guys save up a little bit of money, move to Dallas, make more money, and you're able to net more in the end, I'm still okay with it. You don't have to do this before moving to Dallas. You just have to make the math make sense. But it's a two-year debt payoff process. Call it another six months to save up a full, if not an emergency fund, maybe nine months, and you're fine. You can move to Dallas or not between then. Just make the math work.

• 1:33:08Speaker 03

  Okay.

• 1:33:08Caleb Hammer?

  And I'll get you a course career certification as well. If you want to find a higher paying job as well. A lot of people in the audience have done that. I'll get you one for free. That's where we are. That's where we are. Okay? And that's not that bad.

• 1:33:19Speaker 03

  It does.

• 1:33:20Caleb Hammer?

  Use the educational products we get you. Sign up for the Dollar Wise budgeting app. You can do this, buddy. I give you $250 of fun and you still get to do this in less time than most people. All right, we're gonna do more drama in the post show and I guess an extra weird finance thing that we didn't get to come up. But I'm gonna give Hammer Financial Score first. Spending a budget, 0 out of 10. You overspent debt. There's collections, 0 out of 10. Emergency fund, took it down, not even a thousand, 0 out of 10. Retirement, don't see anything worth, 0 out of 10. Real estate, 0 out of 10. You thought you were two, fuck you. Hammer Financial Score, 0 out of 10. Get yours at CalebHammer.com and now click that join button. See an extra 20 minutes of this episode by watching the Financial Audit Post Show and three premium shows.

• 1:34:00Caleb Hammer?

  Every single day, Monday through Friday, including Behind the Audit, Behind the Episode, Fat and Fatter, and many more. Love you guys. Bye. I want to see the communication you gave to BB. A lot of people not like him.

• 1:34:11Speaker 03

  It's starting to shift that way.

• 1:34:12Caleb Hammer?

  Is it?

• 1:34:12Speaker 03

  It's shifting because people are starting to realize he's performative. He's not actually what he says he is.

• 1:34:18Caleb Hammer?

  Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:34:28Speaker 01

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