He Called My Black Employee The N Word | Financial Audit

*THE BEST SHOW I HAVE EVER DONE* I called his boss and literally got him fired. This guy can go f*ck himself. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join Tyler's Twitch: https://www.twitch.tv/iamlindo ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:50 Job & Income 05:35 hes identifying as black...? 07:40 oop that was quick 09:30 where do we find these people 30:45 hes such a smart guy, right chat?! 37:00 THREE DUI… 44:00 guys.. he has THOSE allegations 54:20 least favorite race tier list!! 01:00:00 the debt is already in middle school loool 01:11:30 chat, do we like this guy? 01:24:00 hes sending unsoliciteds 10000% 01:31:00 fin ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

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• 0:56Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're actually the most pathetic person I've ever met. Three DUIs on probation, has to blow into a breathalyzer, can't drive, lives with mother, vitaminly racist.

• 1:09Speaker 03

  And other people on internet, they're too afraid to say what needs to be said.

• 1:13Caleb Hammer?

  If you're not afraid to say it, then say it. Say what?

• 1:16Speaker 03

  N****.

• 1:20Speaker 03

  Who the f*** is this softie? You are. Who the f*** is this softie? You want to find out? You could beat me in arm wrestle, but I'm scrappy as hell. You want to find out? We can find out.

• 1:29Caleb Hammer?

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• 2:02Speaker 03

  Hello, my name is Jerome. I'm 42. I live in San Antonio, Texas, and this is Financial Audit.

• 2:09Caleb Hammer?

  We gave you the blackest name possible when you're from a town where not even a single black person exists and it's all Mexicans. It makes no sense, yet you are white.

• 2:18Speaker 03

  I

• 2:18Caleb Hammer?

  I think.

• 2:19Speaker 03

  Maybe, yeah.

• 2:20Caleb Hammer?

  Okay, well, welcome up to Austin.

• 2:22Speaker 03

  Ancestry says a few things, so I know I thought you could pick and choose.

• 2:25Caleb Hammer?

  A few things. That's just called

• 2:27Speaker 03

  I think we all come from Africa, right?

• 2:30Caleb Hammer?

  Well, sure, at some point, yeah, over 250,000 years, right?

• 2:33Speaker 03

  Oprah said it, so.

• 2:35Caleb Hammer?

  And Oprah is black.

• 2:37Speaker 03

  She's from Chicago where I identify as.

• 2:39Caleb Hammer?

  Where the other blacks are.

• 2:40Speaker 03

  Exactly.

• 2:41Caleb Hammer?

  Like you.

• 2:41Speaker 03

  Yep.

• 2:42Caleb Hammer?

  No?

• 2:42Speaker 03

  No.

• 2:43Caleb Hammer?

  Okay, what do you do in San Antonio for a living? You identify as Chicago, you live in San Antonio. What do you do for a living there?

• 2:49Speaker 03

  High school and some college.

• 2:50Caleb Hammer?

  Okay, I asked what you're doing for a living.

• 2:52Speaker 03

  Oh, I'm an associate at a big chain store, Walmart.

• 2:57Caleb Hammer?

  Oh, okay.

• 2:58Speaker 03

  Yeah.

• 2:58Caleb Hammer?

  Vague for a second, right into the actual place.

• 3:01Speaker 03

  Yeah.

• 3:02Caleb Hammer?

  Okay, wow, um, wait. I mean, okay, what, what's wrong with you? Like, okay, you're, you're, you're not like an assistant manager, you're not really doing anything, you're kind of doing like the, I don't wanna, I'm not shitting on retail, it's not, but like 42, not really, you're the dude walking around that I try to find for help.

• 3:24Speaker 03

  Yeah, basically.

• 3:29Caleb Hammer?

  Why are you 42? Is that what you're doing?

• 3:32Speaker 03

  Well, here's the deal, I, um, I decided one day, uh, my, quit my real job, uh, a few years ago.

• 3:41Caleb Hammer?

  Which was?

• 3:41Speaker 03

  An engineer for the railroad.

• 3:43Caleb Hammer?

  What the, that's money.

• 3:45Speaker 03

  Yes, it is, and, uh, I

• 3:48Caleb Hammer?

  To be an associate at Walmart for 15 an hour?

• 3:51Speaker 03

  That's not all I do, but that's the actual job I do, that's on paper and that I pay taxes and, uh, well, kind of pay taxes and, uh, do the, um, insurance purposes, so I

• 4:05Speaker 03

  I also do little side hustle games. So like I do a lot more on the side. Well, actually, part of it is games, but there's extra stuff. You'll see.

• 4:15Caleb Hammer?

  Oh, I'll see. That's good. Let's talk about Walmart first. The 42, your little associate. Very good. What do you make? How many hours? What is it? I think Walmart's own internal minimum wage is $15 an hour. And I think they're the

• 4:28Speaker 03

  You're wrong.

• 4:29Caleb Hammer?

  What is it not? Okay.

• 4:31Speaker 03

  14.

• 4:31Caleb Hammer?

  Whoops me.

• 4:34Speaker 03

  That's pretty good, though. I mean, Texas is 725 minimum wage, so it's almost double.

• 4:40Caleb Hammer?

  Yeah, no one makes minimum wage, not even in Texas. It's like less than 1% of the workforce in the country.

• 4:45Speaker 03

  Well, then they do make minimum wage. It's just less, right? Less than you yourself just debunked yourself. So you said, nobody does. And now you're saying that's less than 1%. So

• 4:55Caleb Hammer?

  Very good, Deshawn. Or what did we call you, Jerome? Okay, very good. Yeah, you got me, buddy. What do you make? You make 14?

• 5:02Speaker 03

  Yes.

• 5:03Caleb Hammer?

  Okay, so you're a failure at 42.

• 5:05Speaker 03

  Not real.

• 5:06Caleb Hammer?

  How many hours a week do you work for that?

• 5:08Speaker 03

  Too many, too many.

• 5:09Caleb Hammer?

  That's not a number, Jerome.

• 5:11Speaker 03

  They hired me part time, but they scheduled me 35 to 40. And I'm trying to do less.

• 5:16Caleb Hammer?

  Isn't that good?

• 5:16Speaker 03

  No.

• 5:17Caleb Hammer?

  Why are you trying to do less? You pathetic failure.

• 5:20Speaker 03

  Oh, because my legs hurt, my knees hurt, there's concrete.

• 5:24Caleb Hammer?

  Then first of all, you're 42. You're not like 80 yet.

• 5:27Speaker 03

  Focus on other endeavors.

• 5:29Caleb Hammer?

  Why are you working associated retail if you're a broken bodied individual?

• 5:33Speaker 03

  Insurance. That's main reason.

• 5:35Caleb Hammer?

  What? You can get insurance in a lot of different places if you're low income on the affordable. Well, actually, subsidies have gone down dramatically.

• 5:42Speaker 03

  Yeah. And then also, if you're 1099, you're doing your own thing. It's a little harder.

• 5:45Caleb Hammer?

  Yeah, I didn't say go be 1099. I didn't say go be a contractor. Did I suggest that?

• 5:49Speaker 03

  Well, I don't. Well, what else would you do?

• 5:51Caleb Hammer?

  You're 42. You have the chance to be in the career path at this point. You have failed.

• 5:55Speaker 03

  Well, I already was. I already was. Yeah.

• 5:57Caleb Hammer?

  There you go. You didn't get health insurance there?

• 5:59Speaker 03

  Oh, yeah. Oh, yeah.

• 6:02Speaker 03

  Yeah, didn't use the uh, mental health side apparently, but.

• 6:11Caleb Hammer?

  Okay Jerome, so I guess the railroad wasn't good enough for you, but you have to go to Walmart specifically for health insurance?

• 6:19Speaker 03

  It beats paying court on my own.

• 6:21Caleb Hammer?

  Okay, so I thought Jerome was weird. We didn't even call you Jerome. You insisted on the name Jerome and being told because you hate the idea of people always using race as an excuse. So you made it a point to name yourself Jerome? And you could identify as black if you wanted because all the race, gender nonsense is a mess. I don't even understand.

• 6:39Speaker 03

  Yes, I.

• 6:40Caleb Hammer?

  What the fuck are you talking about? Okay, I thought it was weird that we named you Jerome. I'm not gonna lie, but now I.

• 6:45Speaker 03

  You can name your child whatever you want. There's a, what is it? Gwyneth Paltrow's apple. There's X for Elon or whatever. I forget the child's names. Northwest Kanye and all that. But uh, my whole point is yeah, that is um, I, I heard prior guests and other people on the internet, they're too afraid to say what needs to be said or that they say that.

• 7:06Caleb Hammer?

  Jerome, what needs to be said?

• 7:09Speaker 03

  Anything and whatever, whatever anybody wants, but.

• 7:12Caleb Hammer?

  Oh, that sounds like you're too afraid to say what needs to be said. What needs to be said Jerome?

• 7:16Speaker 03

  The N word. Language is a social construct that is warped by people and context and intent matters.

• 7:24Caleb Hammer?

  So you have no fear to say it?

• 7:25Speaker 03

  No, I don't, I have no fear to say anything within, with considering intent and context. The word itself is not bad. It's depending on how you use it.

• 7:35Speaker 00

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

• 8:00Speaker 03

  Just like.

• 8:01Caleb Hammer?

  Very good. Well, why'd you say not the R word and why'd you call the N word, the N word then?

• 8:05Speaker 03

  That's, oh, I'll say it right now.

• 8:07Caleb Hammer?

  Okay, let's call him Tyler.

• 8:09Speaker 03

  Yeah. He's my brother. I saw him walk by. He, he's from Chicago. He likes the Blackhawks. I'll say it.

• 8:14Caleb Hammer?

  He's not from Chicago.

• 8:15Speaker 03

  Well, he. Hosta too. If he knows hockey, he knows Mary.

• 8:18Caleb Hammer?

  That's racist. He's not. Our Mexican. One of our thousands.

• 8:22Speaker 03

  I say he's from South Side, Chicago. That's a little different. North Side is all the white people, so, you know.

• 8:29Speaker 03

  I mean, tell me I'm not right, you know, that. I mean Detroit, I mean, come on.

• 8:35Speaker 04

  Yes, there's black people in Detroit.

• 8:38Speaker 03

  I mean, the ones that are still not victims of gun violence, but yeah.

• 8:44Speaker 04

  What point are you trying to make?

• 8:46Speaker 03

  I'm just trying to make that. If you're gonna say something, do it. And I'm tired of everybody come on shows doing stuff.

• 8:55Speaker 04

  Tyler, I actually apologize for the first time in my life for what's about to happen, but please.

• 8:59Speaker 03

  You don't apologize.

• 9:00Speaker 04

  Come lean here. I will do whatever I want and what I want to do is apologize. There you go. If you're not afraid to say it, then say it.

• 9:06Speaker 03

  Say what?

• 9:15Speaker 03

  My.

• 9:21Speaker 03

  There, that's just a word, nothing behind it, no sentence with it, no meaning behind it. It is what it is.

• 9:31Speaker 04

  Why didn't you run with it, buddy?

• 9:35Speaker 03

  I didn't call you my. You know.

• 9:39Speaker 04

  Why the hard R though? Why the hard R?

• 9:41Speaker 03

  Why not?

• 9:42Speaker 04

  Why?

• 9:43Speaker 03

  Why not?

• 9:44Speaker 04

  Why?

• 9:44Speaker 03

  Is an A at the end make it better?

• 9:46Speaker 04

  Yeah, but not you saying it regardless.

• 9:48Speaker 03

  Uh, so.

• 9:50Speaker 04

  Er, to my face, to my face, er is crazy.

• 9:53Speaker 03

  Well, I mean, it's better to your face than behind your back, isn't it? But it's not about you, it's about the word. There's that big difference. So it's not directed towards you though.

• 10:04Speaker 04

  You looked me in my eyes.

• 10:06Speaker 03

  Well, he told me, dude, I'm going to.

• 10:08Speaker 04

  You looked me in my eyes.

• 10:09Speaker 03

  He, he conducted.

• 10:11Speaker 04

  And said the hard R, my dog. You said it straight to my eyes. You're not gonna talk about not calling me that. You just called me that.

• 10:17Speaker 03

  No, I said the word. I didn't.

• 10:19Speaker 04

  Directly in my eyes.

• 10:20Speaker 03

  Yeah, towards you, yes, but I'll, I'll say it to him directly as a white man. I'll say that word. I don't care.

• 10:29Speaker 03

  Cause it does, the meaning doesn't mean it's a. That it's taken way out of context from language and where it derived from. That's the reason why social people in society has made it a bad word. You go in Spanish, you usually use the word negro all the time to say black. So negro, negro this, negro that, who cares?

• 10:55Speaker 04

  Negro.

• 10:56Speaker 03

  Yeah.

• 10:57Speaker 04

  How's negro more acceptable? It means black in Spanish. Negro is different. Negro is different. N I G G E R is different.

• 11:05Speaker 03

  Okay, what about just one G?

• 11:07Speaker 04

  Say to Caleb then. Say to Caleb then.

• 11:10Speaker 04

  Say to Caleb. Look him in his eyes and call him that.

• 11:11Speaker 03

  I'm trying to.

• 11:12Speaker 04

  Look him in his eyes and call him that. Look him in his eyes and call him that.

• 11:14Speaker 03

  See, now he looks like an old man.

• 11:16Speaker 04

  Call Caleb then. Call Caleb then.

• 11:18Speaker 03

  His culture of propaganda.

• 11:18Speaker 04

  Why the hell are you stopped? Why are you scared? Call him then.

• 11:20Speaker 03

  No. What?

• 11:25Speaker 03

  What?

• 11:28Caleb Hammer?

  It doesn't feel good. So I don't like this. I, Tyler.

• 11:31Speaker 03

  So let me ask you this.

• 11:32Caleb Hammer?

  As at least as someone that doesn't find anything offensive in this world, I think I'm offended. I think I'm offended on your behalf.

• 11:38Speaker 03

  You can't be offended. That's cultural appropriation on it.

• 11:41Caleb Hammer?

  That, that is racist.

• 11:43Speaker 03

  You can't be offended for somebody.

• 11:44Caleb Hammer?

  I don't call people racist.

• 11:46Speaker 03

  No, it's the same as I saw a previous guest too also mentioned the, uh, the fatigue that we have in this country about any kind of fatigue. Black fatigue, gay fatigue, uh, liberal women fatigue. That's a real thing and all they're trying to say is this. We don't care about your problems or your past and all this shit. Think about right now what's going on and we don't owe nobody nothing. That's what we're talking about. Guess what? There's also white Karen fatigue. Like, we don't like that energy. Wait.

• 12:15Caleb Hammer?

  Hold on, a point to be made.

• 12:17Speaker 03

  Yeah, yeah. Am I supposed to pay reparations to everybody that has a disagreement with the past? Hell no. What about my Jewish friends that, you know?

• 12:28Speaker 03

  I'm just saying, man, we're gonna go down that road where one section of society gets reparations and we need to go down every section. You know, just gonna be honest, black people sold black people. You, you wanna go get reparations from Africa? No. And I don't, I'm just saying.

• 12:47Speaker 03

  Oh, by the way, happy Pride Month. I just.

• 12:52Caleb Hammer?

  Okay, okay.

• 12:53Speaker 04

  I got, I got a question for you.

• 12:54Speaker 03

  I love, I love the jersey too. Marian Hossa.

• 12:58Speaker 03

  We're brothers, man. Come on, come on.

• 13:00Caleb Hammer?

  If I may, if I may, the point I wanted to make is, okay, maybe there's a nuanced conversation that can be made on history and are we gonna cry about things forever? I'm not talking about that. That wasn't what you said. You just came here, looked a black man in the eyes and said the N-word. That is very different.

• 13:20Speaker 03

  Why? Why is it different?

• 13:21Speaker 04

  What the, why, what is the meaning? What is the meaning to you? Please explain what the meaning is to you. How the do you compare negro to N-I-G-G-R? What the fuck are you talking about? I'm not saying it. That's crazy. Well, I say nigga all day. Nigga, nigga, nigga, nigga. But I'm not saying the hard R. That's crazy. What the is wrong with you?

• 13:38Speaker 03

  You say that fast. It sounds like you're saying it, though. I mean, it literally is almost the same dialect.

• 13:42Speaker 04

  Hey, how about we explain what the you bet by it's the same meaning? What is the meaning that we're confusing with social construct?

• 13:49Speaker 03

  The word itself has no meaning unless you give it meaning. The language itself has no meaning unless you give it the damn meaning.

• 13:56Caleb Hammer?

  It's up to the individual though, that's language.

• 13:58Speaker 03

  No, it's up to society that created it. That's like 100 years ago, that word wasn't offensive or like, like it just, it almost sounds like I said it again.

• 14:08Speaker 04

  Yo, you did say it again. Negro. Man, please have a water.

• 14:16Speaker 03

  So there's the way.

• 14:17Caleb Hammer?

  It doesn't feel right. It doesn't feel right.

• 14:20Speaker 03

  No, it's.

• 14:23Speaker 03

  I'm not trying to convince you. I'm just saying.

• 14:24Speaker 04

  Listen, I got, I got.

• 14:26Speaker 03

  The word [bleep] has no bad connotation. Would it be better? Would it be better to call you boy?

• 14:39Speaker 03

  That, I'm just making a point that.

• 14:43Speaker 04

  Mama bless me. Mama bless me. Lord have mercy. Please forgive me for whatever the hell I'm about to say.

• 14:48Speaker 03

  Amen.

• 14:51Speaker 03

  I mean, you say whatever you want. I mean, tell me, tell me.

• 14:55Speaker 04

  What the is wrong with you, bro? What is wrong with you? Like, literally what is wrong?

• 14:58Speaker 03

  I speak truth. That's what's wrong.

• 14:59Speaker 04

  There, there is no truth, bro. Do, do you know the history behind that word at all?

• 15:03Speaker 03

  Yes.

• 15:04Speaker 04

  For somebody, wha- what's the history? Talk.

• 15:05Speaker 03

  Well, I just know it's oppressive, uh, with the.

• 15:09Speaker 04

  No, motherf- we were property.

• 15:11Speaker 03

  With the slave.

• 15:12Speaker 04

  We were slaves. They called us, we weren't, we were three fifths of a person.

• 15:15Speaker 03

  So let me ask you.

• 15:15Speaker 04

  We weren't even, we were property.

• 15:17Speaker 03

  Do you like comedy?

• 15:18Speaker 04

  Sure, comedy's fun.

• 15:19Speaker 03

  Have you ever seen Blazing Saddles?

• 15:20Speaker 04

  Sure.

• 15:21Speaker 03

  Okay.

• 15:21Caleb Hammer?

  You're not a comedian. This isn't a comedy show.

• 15:24Speaker 04

  You're not a comedian.

• 15:26Speaker 03

  No, I.

• 15:27Speaker 04

  Hee hee ha ha. Nobody's laughing.

• 15:28Speaker 03

  But my point is.

• 15:29Speaker 04

  Nobody's laughing.

• 15:30Speaker 03

  My point is, it doesn't matter if you use that word or not, it depends on context and intent. Use the word the way you see fit, and me just saying the word has no meaning other than that, it's the word. I didn't call you that in a sense or derogatory way, um, same with boy. Like, it's just, it's just a word.

• 15:54Caleb Hammer?

  But you said it.

• 15:55Speaker 03

  Yeah, I said it. It's just like the.

• 15:56Caleb Hammer?

  You said it here in front of him, knowing, you said, cause like the boy thing you specifically said in front of him because you knew it had meaning.

• 16:04Speaker 03

  To him?

• 16:05Caleb Hammer?

  Yeah.

• 16:06Speaker 03

  Not to me. I don't care.

• 16:08Caleb Hammer?

  So you don't care about him?

• 16:09Speaker 03

  I don't care about people's feelings, uh, it's not about feelings, it's about facts and the, uh, the reality.

• 16:15Caleb Hammer?

  Facts over feelings, I agree with that, but that's when we're debating economics, that's when we're debating reality and a lot of different things. What you're doing is literally just sitting here in front of a black guy and just saying something because it's offensive and you find it hee hee ha ha.

• 16:26Speaker 03

  No, I'm just, it's not only that, it's, I, and it's not funny because I wouldn't do it if, uh, I, if there is negative connotations and the way things are, I don't care. Because I'm, I'm making a point, you say what you want to say, say what people aren't willing to say.

• 16:42Caleb Hammer?

  Well, what's the point with one intent? I'm willing to say things that people aren't willing to say with positive intent, trying to actually fix like a.

• 16:48Speaker 03

  Why is that to be positive? It can be negative too.

• 16:50Caleb Hammer?

  But why do you want to bring a negative force into the world?

• 16:53Speaker 03

  Are we all gonna become bi and be positive the whole time? That's ridiculous.

• 16:56Caleb Hammer?

  No, but if you're here for a limited time, I try to do it like on here. I say things people aren't willing to say on the show all the time, but it is still in the end with financial literacy in mind.

• 17:06Speaker 03

  Fine, but it doesn't mean that what you, it doesn't mean that negative things can't be said or it shouldn't be said.

• 17:13Caleb Hammer?

  Well, why should it? Why should negative be said? With negative intent.

• 17:17Speaker 03

  Because without negative with, well, the intent wasn't negative, so let's just be.

• 17:21Caleb Hammer?

  Wasn't positive.

• 17:23Speaker 03

  It was neutral if, and even if you want to call it negative, the whole point is how will do you, it's like anything. How do you know it's negative without having negativity? Like if everything's positive.

• 17:34Caleb Hammer?

  It did hurt him. Like I'm not someone who gets offended on behalf of people who are not offended, but if he's offended, he's offended.

• 17:39Speaker 03

  I could also be a half ass apology and just be like, oh, I'm sorry you feel that way.

• 17:46Caleb Hammer?

  I'm not asking for you to apologize. I'm trying to understand your intent.

• 17:48Speaker 03

  I know, and I would not apologize. It would be a backwards apology, but like, I'm sorry you feel a certain way, but it is what it is, you know?

• 17:56Caleb Hammer?

  But if you, so, okay, here's the thing, like, do I think, do I agree with all the transition shit that's happening all the time anyway? Okay, no, because like the kid shit and stuff, I don't like that. But guess what? If someone were to ask me to use their pronouns, I just say it. You know why? You know why? Because like if I'm gonna be in front of someone, what is the point of intentionally being rude to the person? I'm not going to, even if I agree with something or disagree with it. I'm not just rude in front of a person because the person's still a person in the end. We have a limited time on this earth.

• 18:24Speaker 03

  Yeah, but then also you're, if you're calling them what they want to be called, doing that crap, then you're lying and you're not, you're yourself.

• 18:30Caleb Hammer?

  Who cares? If I'm lying to someone for 30 seconds and they feel good, then I'm okay with it.

• 18:34Speaker 03

  That's why I also made a distinction between

• 18:38Speaker 03

  the N word.

• 18:40Speaker 04

  Oh, oh, now, now you want to censor.

• 18:41Caleb Hammer?

  For your editor.

• 18:42Speaker 04

  Oh, you're so nice now.

• 18:43Caleb Hammer?

  Okay.

• 18:43Speaker 04

  No, no. Don't say shit.

• 18:45Speaker 03

  I'll look you, you guys are saying again. No.

• 18:47Speaker 04

  Swear to God.

• 18:48Speaker 03

  There, there's a difference in saying the word.

• 18:50Speaker 05

  I can't believe you said the N word on national television.

• 18:55Speaker 04

  Why?

• 18:56Speaker 03

  The, the, same boy.

• 18:58Caleb Hammer?

  Okay.

• 18:59Speaker 03

  And, and context with also being at the casino and saying, you need a monkey, monkey, monkey. And also looking at you and saying monkey. There's a big difference between all words and connotations. Intent, context, and everything else matters. That's what I'm saying. The words themselves don't hold meaning unless you give them meaning.

• 19:16Caleb Hammer?

  But you are because you know who you're saying it to.

• 19:19Speaker 03

  Yeah, that

• 19:21Caleb Hammer?

  So there you go.

• 19:22Speaker 03

  That doesn't mean anything one way or the other. I could say it's it's how you take it and that that's what's

• 19:29Caleb Hammer?

  I'm disconnected with the logic here. I don't understand. I'm not someone who I'm like on the edge of edgy in every way whatsoever.

• 19:36Speaker 03

  You'd use the word a lot or you've mentioned it?

• 19:38Caleb Hammer?

  Yes, but I don't go to a I don't go to a mentally disabled person and call them yeah, just like you go to him and tell him the N word.

• 19:45Speaker 03

  You can because

• 19:45Caleb Hammer?

  You can, but why would I?

• 19:48Speaker 00

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

• 20:12Caleb Hammer?

  Why would I hurt that person's feelings intentionally?

• 20:15Speaker 03

  You

• 20:15Caleb Hammer?

  I call someone like you because you're

• 20:17Speaker 03

  Fits though. Now, so here's here's the thing.

• 20:20Caleb Hammer?

  So you're gonna go to a mentally disabled person and call them a

• 20:23Speaker 03

  If they're if they are, they are. I wouldn't do that. I wouldn't do that.

• 20:28Caleb Hammer?

  Well, you you gotta have common

• 20:29Speaker 03

  I wouldn't go out of my way and do it personally, but if they are, if they are acting that way, or they are doing that, then yeah, because

• 20:35Caleb Hammer?

  Dude, we are the polar opposite in every way whatsoever of woke, of woke.

• 20:40Speaker 03

  No, yeah, yeah.

• 20:41Caleb Hammer?

  And yet, even you are just like

• 20:43Speaker 03

  No, and

• 20:44Caleb Hammer?

  crazy.

• 20:44Speaker 03

  In my in my old job, there was things called retarders. They are just it just means slow, slow down. If somebody's slow and they're mentally slow, they're that's just the way it is.

• 20:54Caleb Hammer?

  Well, that was the clinical word that was used. That was the original intent, but I mean, it's not used anymore. And even still

• 20:59Speaker 03

  Just like you can't use psycho anymore. Like, come on, look.

• 21:02Caleb Hammer?

  I think that has different either way. It's like I have no problem with the word okay, I have no problem with that. But the reality is, when I go to a mentally disabled person and call them to their face, no.

• 21:14Speaker 03

  I mean.

• 21:14Caleb Hammer?

  Absolutely. Cause what's the intent? At that point, you just went out of the way. Cause at the point, the only thing you're doing is hurting someone's feelings.

• 21:21Speaker 03

  To make a point that all the main point was because people say they will and they do it. And when they're on the spot, they won't say the word. I don't go out and call calling black people. You know, I just.

• 21:31Caleb Hammer?

  You looked me in my eyes and said, ha, ha, ha. You went to me and said that to my face.

• 21:38Speaker 03

  To prove a point.

• 21:39Caleb Hammer?

  What the are you talking about?

• 21:40Speaker 03

  To prove a point.

• 21:41Caleb Hammer?

  What are you talking about?

• 21:42Speaker 03

  To prove a point other than.

• 21:43Caleb Hammer?

  What the word are you proving?

• 21:44Speaker 03

  That the word doesn't, it should not have that me.

• 21:48Caleb Hammer?

  It should not have anything.

• 21:49Speaker 03

  In text context.

• 21:50Caleb Hammer?

  Look at the reaction of everybody.

• 21:52Speaker 03

  I'm just saying.

• 21:52Caleb Hammer?

  You. Are we serious? Woke here. We're so far from woke and you're getting negative reaction. Some of the most like offensive people you've ever met.

• 22:03Speaker 03

  Some of my best friends were black. So.

• 22:05Caleb Hammer?

  Oh, here the same bullshit. Oh, my best friend's black.

• 22:09Speaker 03

  They still are black, but you know.

• 22:11Caleb Hammer?

  Only I can pull that trope.

• 22:13Speaker 03

  Oh, come on. No, no. Working on South Side, Chicago, man. I, I was the only white boy playing ball with the guys, you know? I used to actually call the.

• 22:21Speaker 03

  That. I can't keep saying it all show, cause then it's, it'll just be a bunch of bleeps, but.

• 22:26Caleb Hammer?

  Oh, we're not bleeping it.

• 22:27Speaker 03

  Oh, okay. Well, I don't mind if you don't, but I'm just saying.

• 22:32Caleb Hammer?

  You're out there, buddy.

• 22:33Speaker 03

  You can't play ball with. In the South Side of Chicago without having that culture.

• 22:39Caleb Hammer?

  So like you, so like you tell me.

• 22:41Speaker 03

  Yep. Well, I'd call them nothing. Just whatever. I don't know.

• 22:47Caleb Hammer?

  So it's different. So you'll call him the N word, but you won't call him the F word. So it's just like.

• 22:50Speaker 03

  What F word? Oh.

• 22:51Caleb Hammer?

  Okay.

• 22:51Speaker 03

  Yeah. I'll say that's a cigarette back in the old days and it's also gay people. So what?

• 22:56Caleb Hammer?

  Okay. You know, it's as if you know it hurts his feelings. Why would you say it?

• 23:00Speaker 03

  What's worth, I don't even know, but like depending on what the way you take it either.

• 23:05Caleb Hammer?

  Let me go anti woke.

• 23:06Speaker 03

  It's like, wait, it's word, like the.

• 23:09Caleb Hammer?

  Let me go anti woke for a second. I'm, oh, I'm, let's just. I don't even fully agree with this, but let me just have a cat like say it behind the scenes. Say that word behind the scenes, even say that word behind the scenes. Do I fully agree with that? Not necessarily, but like, again, I, I, I can't believe you're making me like Caleb woke Hammer right now. This makes no sense, but why go to the person and use the word that hurts their feelings to adjust it?

• 23:35Speaker 03

  Oh, you're not, you're not.

• 23:36Caleb Hammer?

  When you know it does.

• 23:37Speaker 03

  Do you get?

• 23:38Caleb Hammer?

  I understand what you're saying.

• 23:39Speaker 03

  Yeah, so then you know I'm not doing that intentionally, just going up to people.

• 23:43Caleb Hammer?

  It doesn't matter if you're doing intentionally or not, if you know it does, why not hold for at least five seconds until that person leaves?

• 23:50Speaker 03

  Well, because you presented the opportunity and it's a safe space.

• 23:53Caleb Hammer?

  You're so excited for it. Safe space, your safe space, this is just a space that exists.

• 23:57Speaker 03

  No, not my safe space, apparently his safe space, because he gets offended.

• 24:00Caleb Hammer?

  This is everyone's, what? Oh buddy, I don't, come on.

• 24:04Speaker 03

  I mean, I feel safe, I don't care, so.

• 24:08Caleb Hammer?

  Well, you shouldn't, there's a black man across from you.

• 24:10Speaker 03

  I should feel more scared you're saying.

• 24:12Caleb Hammer?

  Yes, that was a black joke.

• 24:13Speaker 03

  Yeah, yeah, I.

• 24:15Caleb Hammer?

  I'm gonna be real with you, your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections, whatever. Your interest rates are different, your payments are different, your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out, just pay more, as if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you, not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt. And here's the thing, there's no minimum credit score required.

• 24:59Caleb Hammer?

  They're not here to judge you, they're not here to shame you, they're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A+ rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com/hammer. That is pdsdebt.com. PDS debt.com slash hammer. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right?

• 25:44Caleb Hammer?

  Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Okay, thank you, Tyler. Well, actually, not thank you, apologies, Tyler. But I appreciate you.

• 26:27Speaker 03

  Appreciate you.

• 26:28Caleb Hammer?

  And I would never call you.

• 26:29Speaker 03

  I gotta ask him real quick before. Are you actually a fan or are you a poser, man?

• 26:35Speaker 03

  I'd see.

• 26:37Speaker 03

  You know, I just gotta.

• 26:38Caleb Hammer?

  Yes, he wears the Blackhawks jersey all the time.

• 26:41Speaker 03

  Okay, good. A lot of posers out there wearing, you know.

• 26:45Caleb Hammer?

  But you live in San Antonio.

• 26:47Speaker 03

  It's the same as if, it's the same as if people wearing stuff that they don't support.

• 26:50Caleb Hammer?

  Antonio.

• 26:51Speaker 03

  Yeah, unfortunately.

• 26:52Caleb Hammer?

  You're the poser.

• 26:55Speaker 03

  What, because I don't like tacos?

• 26:57Caleb Hammer?

  Huh? You don't like Tyler?

• 27:00Speaker 03

  No, tacos.

• 27:01Caleb Hammer?

  Who doesn't like tacos? Dude, you're a freak. You can't be trusted.

• 27:06Speaker 03

  Italian beef sandwiches.

• 27:07Caleb Hammer?

  That was the sketchiest thing you've said all episode, I'll be honest.

• 27:10Speaker 03

  Italian beef sandwiches all the way.

• 27:12Caleb Hammer?

  So what the, that was a crazy rebel. Why, that was the least expected thing I've ever walked into in the history of the show. What the was that? What the was that? So, okay, so, uh, you're gonna be one of the incredibly rare guests in the history of this episode that is gonna get fired from their job by being on here, and I think you deserve it.

• 27:31Speaker 03

  I probably will be because I took the days off anyway today and I should, um, already over my limit, so whatever.

• 27:37Caleb Hammer?

  But if you took it off, that means you're good, though. Or did you just not show up?

• 27:41Speaker 03

  I'm, I'm a little sick, you know? Yeah, that's.

• 27:45Caleb Hammer?

  Walmart, we know who the majority of your customers are. He's calling them words.

• 27:53Speaker 03

  I mean, you, uh, when you pay your employees a little bit, they are only there just to collect the paycheck. That's what you get, you know?

• 28:01Caleb Hammer?

  I agree, but you doing that at forty two is pathetic.

• 28:05Speaker 03

  Well, there's a reason for that, though.

• 28:07Caleb Hammer?

  What's the reason?

• 28:07Speaker 03

  I wouldn't even have the job, honestly.

• 28:10Caleb Hammer?

  What's the reason, Jerome?

• 28:11Speaker 03

  Just to pay some taxes that I'm trying to, uh, make sure I take care of.

• 28:15Caleb Hammer?

  What are your old taxes?

• 28:15Speaker 03

  And I also, uh, for insurance, I, they also, the, um, the cheaper the insurance you get with the employer paying the other half and everything. You go on your own, it's expensive.

• 28:24Caleb Hammer?

  Why are you here? It wasn't to say the N word on one of the most viewed podcasts in the world, right?

• 28:29Speaker 03

  But, uh, but as I see some.

• 28:33Caleb Hammer?

  Added bonus?

• 28:34Speaker 03

  Yeah, cuz things, some things need to be said sometimes when people say they were gonna do something or, and there's something I agree with. Some of your, I'll be honest, some, your guests sometimes are not very intellectual and.

• 28:48Caleb Hammer?

  Are you, you owe the IRS money?

• 28:51Speaker 03

  Yeah, oh yeah.

• 28:52Caleb Hammer?

  And you also can't understand.

• 28:54Speaker 03

  Between intellect and, uh, deciding what to do and what not to do and making choices.

• 28:59Caleb Hammer?

  No, but about empathy.

• 29:01Speaker 03

  Man, well, that's.

• 29:02Caleb Hammer?

  Is that not an important human quality?

• 29:04Speaker 03

  Yes, but it depends where you put it.

• 29:07Caleb Hammer?

  This is one of the most raunchy shows on the internet, but it's still an empathetic show because everything I make fun of, I get consent for. It's like in the end, if you don't understand that he would be offended or he'd be offended.

• 29:18Speaker 03

  Well, that's fine. They can be offended all they want. It doesn't matter.

• 29:21Caleb Hammer?

  They can. It's the empathy behind it. I don't care what you say to your friends, but if you're saying it to someone who'd be a friend.

• 29:26Speaker 03

  Doesn't matter.

• 29:27Speaker 06

  Doesn't matter.

• 29:32Speaker 03

  With free speech, there's no such thing as absolute free speech. There are limits to that with, uh, context, but.

• 29:37Caleb Hammer?

  And consequences to your action. I ain't getting fired from Walmart after this.

• 29:41Speaker 03

  Yeah, just like that, you know, and no issue with that and you'll, you'll see why I don't care about the way things are.

• 29:49Caleb Hammer?

  I'm gonna call his manager. I'm gonna call his manager in the post show and report him.

• 29:53Speaker 03

  Oh yeah, that would actually be interesting.

• 29:55Caleb Hammer?

  Yes.

• 29:56Speaker 03

  Because I, you know.

• 29:57Caleb Hammer?

  You deserve it. I don't care what happens to you at this point. You're not a good person. I wanted to report your employee. Uh, your employee will be on camera in front of millions of people saying the full N word. He's also been accused of [BLEEP] multiple times and today him not being at work, he lied about being sick.

• 30:12Speaker 01

  Okay, this guy. This is the worst.

• 30:14Caleb Hammer?

  We've ever had on.

• 30:15Speaker 03

  Well, just because I say a word.

• 30:17Caleb Hammer?

  Love racist jokes, don't like actually racist people.

• 30:20Speaker 03

  No.

• 30:20Caleb Hammer?

  That's kind of the issue.

• 30:21Speaker 03

  Races, uh. My first ever girlfriend I had and.

• 30:25Caleb Hammer?

  Oh.

• 30:25Speaker 03

  My virginity.

• 30:26Caleb Hammer?

  I've the black bitch too. Who cares?

• 30:28Speaker 03

  Puerto Rican and that's even worse. You know, the attitude of those.

• 30:31Caleb Hammer?

  That's worse.

• 30:32Speaker 03

  Yeah.

• 30:33Caleb Hammer?

  Oh, yeah. Back there.

• 30:34Speaker 03

  Uh, well.

• 30:35Caleb Hammer?

  What do you want to say?

• 30:36Speaker 03

  Then they should know. They, they know.

• 30:38Caleb Hammer?

  So are the Puerto Rican ladies hot?

• 30:40Speaker 03

  They're crazy. Yeah, they, she, that's why I lost my virginity to her because she was.

• 30:44Caleb Hammer?

  At what age?

• 30:45Speaker 03

  Twenty three.

• 30:46Caleb Hammer?

  Oh, you're a loser.

• 30:47Speaker 03

  No, there's a reason for that, though. I, I'm Catholic.

• 30:50Caleb Hammer?

  Reason for everything.

• 30:50Speaker 03

  Catholic and I was trying to save myself from marriage. She showed up to the date where and see through everything. She asked if I wanted to have some more fun. I said, you know what? Why not? And that was my introduction to San Antonio when I moved.

• 31:04Caleb Hammer?

  Oh, no. What a little victim. Oh, you've been in San Antonio for decades.

• 31:08Speaker 03

  Yes, about twenty years.

• 31:09Caleb Hammer?

  So, okay, so you're saying the reason you're doing this Walmart job is the IRS?

• 31:13Speaker 03

  Well, for insurance.

• 31:14Caleb Hammer?

  Tell me about it. Uh, okay. Yeah. Sure. The insurance problem. What's this IRS?

• 31:18Speaker 03

  No, I just owe some back taxes.

• 31:19Caleb Hammer?

  Why though? For what?

• 31:21Speaker 03

  For making, making income and not paying my taxes. That's why I owe it.

• 31:25Caleb Hammer?

  Because you aren't, you aren't claiming your casino winnings. You're using your Walmart job to show you're at least paying taxes or something?

• 31:32Speaker 03

  No, it's not that. It's the, uh, I had a job prior to that.

• 31:36Caleb Hammer?

  Huh?

• 31:36Speaker 03

  I had a job.

• 31:37Caleb Hammer?

  No, tell me. I need the context, buddy. If I'm going to do a financial audit on you, give me the story. Give me the context. What is this?

• 31:43Speaker 03

  My old job, my old job.

• 31:44Caleb Hammer?

  Which was the railroad train? Choo choo. Okay.

• 31:47Speaker 03

  I, uh, decided it'd be better to claim tax exempt and pay my taxes at the end of the year instead of the government taking and giving me a refund.

• 31:55Caleb Hammer?

  Yeah, bad strategy for like you.

• 31:57Speaker 03

  Exactly. And I decided not to pay them. And, uh.

• 31:59Caleb Hammer?

  And why?

• 32:00Speaker 03

  Uh, just didn't have the money at time. I didn't feel like working extra hours.

• 32:03Caleb Hammer?

  That's why we do the.

• 32:05Speaker 03

  I figured that once they audited me and they started garnishing my wages, that's how I just pay them back and just.

• 32:10Caleb Hammer?

  Yeah, but with like a 25% premium.

• 32:12Speaker 03

  Uh, no, it wasn't that bad.

• 32:13Caleb Hammer?

  Do the interest rate that usually gets on it is pretty brutal.

• 32:16Speaker 03

  Yeah, but they're getting.

• 32:17Caleb Hammer?

  Plus fees added to it usually add up to around 20%.

• 32:20Speaker 03

  Yeah, but they'll get paid, you know?

• 32:22Caleb Hammer?

  Sure.

• 32:23Speaker 03

  They garnish it.

• 32:23Caleb Hammer?

  With a 20% premium. Are they garnishing?

• 32:26Speaker 03

  They were, but.

• 32:27Caleb Hammer?

  It was paid off?

• 32:28Speaker 03

  No, no.

• 32:29Caleb Hammer?

  Why was it were and not are?

• 32:31Speaker 03

  Oh, because I haven't held a job for more than like six months since then. So, an actual job.

• 32:36Caleb Hammer?

  So they don't know you're working at Walmart. They don't know you're working at Walmart or?

• 32:40Speaker 03

  Oh, not yet, I guess. I've only been there two months. So.

• 32:42Caleb Hammer?

  Okay. Wow. What the?

• 32:45Speaker 03

  So from two twenty twenty till now, I've done a lot of side hustles and other things.

• 32:51Caleb Hammer?

  Okay, so time. Yeah, so you brought that up at the beginning. Tell me about your side hustles.

• 32:54Speaker 03

  Uh, the way I started out with was

• 32:58Speaker 03

  um, an AP arcade player.

• 33:00Caleb Hammer?

  Are you single?

• 33:02Speaker 03

  Yes, by choice, by choice.

• 33:04Caleb Hammer?

  Bullshit.

• 33:06Speaker 03

  Okay.

• 33:06Caleb Hammer?

  Who the is getting with you?

• 33:08Speaker 03

  Oh, you'd be surprised. Okay. It depends who you go for and what you want, right?

• 33:12Caleb Hammer?

  Yeah, who are you going for?

• 33:13Speaker 03

  Um, so the last year or two, I, in the past almost fifteen years, I've been a man and I just hook up. And if there's somebody, if there's somebody that peaks my interest when I'll date them for a while, but it usually doesn't end well because it's a selfish world. We're all selfish and uh, there's a lot of trust issues that go on and I just don't want to deal with it no more. So with people my age and around my age, women that age and around that age are either divorced, have kids or unhappy, they just want to too. So just have fun and not have to have that tie into a relationship with the money and the uh, living expenses, all that crap. Just

• 33:54Caleb Hammer?

  That's fine.

• 33:54Speaker 03

  Go your separate ways, do all that.

• 33:55Caleb Hammer?

  I mean, it's fine. Do what you want to do, but I have a hard time thinking you'd be able to lock someone down.

• 34:03Speaker 03

  I'll, I'll, it was, speaking of which, I'll show you and I'll open my phone. You can see the people I've been with. They're my girlfriends, but why have you never, why have you never uh, uh, offered up your phone to show what your girlfriend looks like and give an idea of, oh, she's fat or she's cute or all that stuff.

• 34:20Caleb Hammer?

  Well, they've seen her so they can attest, but the thing is, why would I not?

• 34:24Speaker 03

  Yeah.

• 34:25Caleb Hammer?

  Why would I not?

• 34:25Speaker 03

  I mean, for privacy, I get that.

• 34:27Caleb Hammer?

  Yes, because we're one of the biggest shows on the internet.

• 34:29Speaker 03

  Yeah.

• 34:30Caleb Hammer?

  So obviously I'm being private to protect her.

• 34:31Speaker 03

  Yeah, and obviously you protect the guests and all that, but so you can do the same. You could do the same, just or show the guests or be like, okay, well.

• 34:39Caleb Hammer?

  Why would I? Why would I trust you? Someone I don't give a about you specifically.

• 34:43Speaker 03

  Because you saying comments, it gives you a rating scale of like what you actually think is attractive.

• 34:48Caleb Hammer?

  Yeah, that's my opinion, my show.

• 34:50Speaker 03

  A little Gordita from San Antonio may actually be decent looking. And but in your eyes, she's, you know, one hundred and forty pounds. I may be too big.

• 34:59Caleb Hammer?

  What?

• 34:59Speaker 03

  Who knows?

• 34:59Caleb Hammer?

  Probably not.

• 35:00Speaker 03

  I don't know.

• 35:01Caleb Hammer?

  Her height.

• 35:02Speaker 03

  Shoot.

• 35:02Caleb Hammer?

  If she's like four foot.

• 35:03Speaker 03

  Ones.

• 35:04Caleb Hammer?

  No, that's gross.

• 35:05Speaker 03

  Well, we don't know that. You just saw her. She's a six, you know?

• 35:08Caleb Hammer?

  You're not entitled to see my girlfriend. It's my show, freak. What are you talking about?

• 35:11Speaker 03

  Oh, I mean.

• 35:12Caleb Hammer?

  You don't have to show yours either.

• 35:14Speaker 03

  Oh, I will. I'll show them off because I'm proud, but.

• 35:16Caleb Hammer?

  All your collection?

• 35:17Speaker 03

  Only based on looks, though. I'm proud of them.

• 35:20Caleb Hammer?

  Okay, the people you're with now, I guess, is all I did. Okay, so you're single, you're permanently online, weird echo chambers. I mean, come.

• 35:28Speaker 03

  No, okay, that, no, I don't like where that's good. No, no, no.

• 35:32Caleb Hammer?

  What?

• 35:32Speaker 03

  I may come off as red pill or whatever the echo chambers.

• 35:35Caleb Hammer?

  That's not even a red pill, man. I don't even know what you are.

• 35:37Speaker 03

  Rational atheist MGTOW. Oh, that's good. That's good. That's a better that way because because if you know. If you know how somebody is or the way they're going, it's predictable. That's pointless. Like, why people put in a box and that?

• 35:52Caleb Hammer?

  Oh, you got main character syndrome.

• 35:54Speaker 03

  I don't even know what that is. Honestly, that's one thing that I don't even think about. I don't care.

• 35:59Caleb Hammer?

  Uh huh.

• 36:00Speaker 03

  No, it's a.

• 36:03Caleb Hammer?

  It's what?

• 36:04Speaker 03

  I don't even know what I am. I just know my beliefs and the way who, what I do, and that's all it is. I'm very honest, very forward.

• 36:11Caleb Hammer?

  Wow.

• 36:12Speaker 03

  I'm open book.

• 36:12Caleb Hammer?

  Revolutionary, ladies and gentlemen.

• 36:14Speaker 03

  It is for people that you have on.

• 36:17Caleb Hammer?

  Buddy, everyone.

• 36:17Speaker 03

  Everybody's crying. Oh, you took my phone doing this. I'm like, oh.

• 36:20Caleb Hammer?

  No, there was like one person who freaked out about it and I.

• 36:23Speaker 03

  Everybody, they're all worried about.

• 36:25Caleb Hammer?

  With my words. Okay, so what are the side hustles? Yeah, let's get back to that. That's.

• 36:29Speaker 03

  Oh, I forget. So I play arcade games and I win the prizes and sell them for profit.

• 36:34Caleb Hammer?

  What the?

• 36:34Speaker 03

  I went last night. I got some prizes. I.

• 36:37Caleb Hammer?

  Okay, single forty-two freak racist playing arcade games.

• 36:42Speaker 03

  Yep.

• 36:42Caleb Hammer?

  Play himself around all the kids. This is not great.

• 36:45Speaker 03

  Technically, yeah, but.

• 36:46Caleb Hammer?

  This is not great, Jerome.

• 36:48Speaker 03

  Also, I also participate and.

• 36:54Speaker 03

  A legal loophole, gray area, part of gambling online.

• 36:59Caleb Hammer?

  Oh, do you?

• 37:00Speaker 03

  But I don't necessarily gamble my own money. I am not sponsored, but I, I write letters and send them in by the mail and I get paid $5 for every one I do. And when I get my money, a free play, then I play it and I cash out.

• 37:15Caleb Hammer?

  If you win.

• 37:16Speaker 03

  No, I always win. I mean, well, okay.

• 37:18Caleb Hammer?

  That's not how casinos work.

• 37:19Speaker 03

  Well, I lose in the long run, the money, however, no, no, no. However, I get the free money to play because of the work I did for the writing.

• 37:29Caleb Hammer?

  Why not pay your bills?

• 37:31Speaker 03

  Well, cause I do gamble some, a little too much sometimes, but, but.

• 37:34Caleb Hammer?

  Shocker, you're a failure in every way.

• 37:37Speaker 03

  Some bills are more important than others and.

• 37:39Caleb Hammer?

  How do you even pay your bills? If you've only, well, so how long were you gapped between your previous job and Walmart that you've been at for two months?

• 37:48Speaker 03

  I, well, I mean, I'd worked other jobs between, so.

• 37:52Caleb Hammer?

  How do you pay your bills?

• 37:53Speaker 03

  Just when I need bill money, I will go get a job, but other than that, it's by mainly the, uh.

• 37:58Caleb Hammer?

  Don't you always need money? Is there not rent?

• 38:00Speaker 03

  No, it's the, well, no, actually, uh, just recently I decided to move in back with my mother.

• 38:04Caleb Hammer?

  Oh, you are such a failure.

• 38:08Speaker 03

  I wasn't going to.

• 38:09Caleb Hammer?

  Oh, you're pathetic.

• 38:10Speaker 03

  I wasn't going to, but she offered.

• 38:13Speaker 03

  And why not take the offer for?

• 38:14Caleb Hammer?

  Of course, mother will offer, but good dude, you're pathetic.

• 38:18Speaker 03

  No, no, she's, uh, she's had a lot, she's, uh, done a lot for me and, uh, she's had enough of my.

• 38:23Caleb Hammer?

  Forty two year old.

• 38:24Speaker 03

  She's had enough of my BS, but.

• 38:27Caleb Hammer?

  Oh, you're gross, man. What's wrong with you? You disgusting beast of dis- you, dude. I don't even know. I don't even know. And why do you have breathalyzer on you, by the way? That my security guard told me about.

• 38:40Speaker 03

  Cause, uh.

• 38:40Caleb Hammer?

  That's crazy. No one's ever coming with a breathalyzer.

• 38:43Speaker 03

  I mean, I figured I'd bring it just in case I need it or.

• 38:46Caleb Hammer?

  Why would you need it?

• 38:47Speaker 03

  Well, you gotta blow into it, so.

• 38:49Caleb Hammer?

  For why?

• 38:50Speaker 03

  To make sure I'm not drinking.

• 38:52Caleb Hammer?

  For what purpose? You prove to yourself constantly?

• 38:55Speaker 03

  My third DUI.

• 38:58Speaker 00

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

• 39:23Caleb Hammer?

  Okay, why don't you blow into it right now?

• 39:25Speaker 03

  All right. Oh, yeah, actually, that's a good idea, cuz it would make sense why I said certain things and did certain things if, you know.

• 39:34Caleb Hammer?

  Okay, yeah, why don't you-

• 39:35Speaker 03

  Now, this is what happens when you don't have a car, but they still have to track you and your consumption, so.

• 39:40Caleb Hammer?

  Oh, yeah, 3 DUIs, I'd hope you don't have one. How the f- did you get here from San Antonio?

• 39:43Speaker 03

  I could if I wanted to, and I could have a license.

• 39:45Caleb Hammer?

  What'd you get here?

• 39:46Speaker 03

  I took the bus. I was gonna take an Uber, but-

• 39:50Caleb Hammer?

  Blow into that thing.

• 39:50Speaker 03

  Here, here we go.

• 39:56Caleb Hammer?

  Sanalizing. Okay, he passed, good, okay. So I feel comfortable doing this, cuz I don't want- I wouldn't want to, the drunk person.

• 40:03Speaker 03

  No, that would make sense.

• 40:03Caleb Hammer?

  There's a drunk creature on one, she was a lady. I didn't even realize towards the end.

• 40:08Speaker 03

  Say what I say, or sober and s-

• 40:10Caleb Hammer?

  It'd be better if you were drunk, but not for the sake of filming, cuz that wouldn't feel good for me. Well, you're on probation, so you legally can't drink, right?

• 40:18Speaker 03

  Yeah, even if I wanted to.

• 40:20Caleb Hammer?

  Oh, but you said there's a loophole.

• 40:21Speaker 03

  Well, for the casino stuff, not the- Well, actually, for, okay, well, there is no loophole for that, it's-

• 40:29Caleb Hammer?

  Except, this is what he told Colton, "Go f- yourself, I don't care if I ruin your life." Only have to do it twice a day. So you can do it at 5 a.m. and then do it later in the day and have a drink in between.

• 40:38Speaker 03

  Yes. If you really wanted to drink, it's not loophole, but there, uh, there's three, there's three windows you have to blow. From 5 to 8 a.m., 5 to 8 p.m., and 10 to midnight. So, to me, it's almost pointless to add this, cuz you could get drunk in the middle of the day or early morning after you blow at 5 a.m. And then sober up and then blow at 7:59 p.m., and you'd be fine. So, I'm not saying I do it, I don't do it, but-

• 41:01Caleb Hammer?

  3 DUIs, on probation, has to blow into a breathalyzer, can't drive, lives with mother- Forty two years old, gambling, issues, addictions, vitamally racist.

• 41:14Speaker 03

  Vitamally, it's one word that I use.

• 41:15Caleb Hammer?

  What do you have going, oh, also the IRS, what do you, what is going for you in life? Cause right now you're actually the most pathetic person I've ever met in the over four years of filming this show.

• 41:28Speaker 03

  It could be.

• 41:29Caleb Hammer?

  Pathetic, I think, right?

• 41:30Speaker 03

  I have a pension.

• 41:30Caleb Hammer?

  All those things that I just stacked up on.

• 41:31Speaker 03

  I have a pension, that's one thing.

• 41:33Caleb Hammer?

  From?

• 41:34Speaker 03

  The railroad.

• 41:35Caleb Hammer?

  Yeah. Okay, who owes, what's the pension?

• 41:37Speaker 03

  Uh, well, today's money, it would be around fifteen hundred dollars a month, so.

• 41:43Caleb Hammer?

  Okay, and I can survive off of that.

• 41:44Speaker 03

  No, but I won't die off of that.

• 41:46Caleb Hammer?

  Hopefully the pension doesn't go bust, we'll see.

• 41:48Speaker 03

  The railroad retirement is way more solvent than social security, so I'm not worried about that.

• 41:53Caleb Hammer?

  We'll see. Can, uh, but what do you have actually going for you that you've done?

• 41:58Speaker 03

  I mean, the hustle gene, man, I can, I've been able to survive this long with hustling.

• 42:03Caleb Hammer?

  No, what do you have going for you now? Cause you're not surviving, you're with your mother at forty two.

• 42:07Speaker 03

  So, so the casino thing, the casino thing I do, right? I average.

• 42:11Caleb Hammer?

  That's what you're gonna say is going for you, the casino thing?

• 42:13Speaker 03

  For now.

• 42:14Caleb Hammer?

  Dude, you have nothing in life. This is sad.

• 42:17Speaker 03

  No, for now.

• 42:18Caleb Hammer?

  Your life is sad.

• 42:19Speaker 03

  For now.

• 42:19Caleb Hammer?

  What do you have to hold on to to not kill yourself every day? Which, maybe you should, for the sake of the world in Minecraft, it would be a lot better for the rest of us in Minecraft.

• 42:27Speaker 03

  You know, with the empathy part, I really don't go around diddling kids or nothing crazy, so.

• 42:35Caleb Hammer?

  That's what's going for you is you don't diddle kids?

• 42:37Speaker 03

  Yeah.

• 42:37Caleb Hammer?

  The reason you don't kill yourself is you don't diddle kids.

• 42:39Speaker 03

  Everybody's fine. For me personally and my immediate family, not so great, but this.

• 42:45Caleb Hammer?

  What do you have to hold on to in life? What is the reason to keep going in your pathetic life?

• 42:49Speaker 03

  Family, for sure, family, for sure.

• 42:51Caleb Hammer?

  Well, they're all gonna die soon.

• 42:52Speaker 03

  That's the only, well, I hope not.

• 42:53Caleb Hammer?

  Well, your mother, you're forty two, come on.

• 42:55Speaker 03

  Yeah, no, no, no, my mother, yeah, but, uh, um, the, uh, my.

• 43:00Caleb Hammer?

  Siblings, they probably don't like you.

• 43:01Speaker 03

  But also, uh, my, uh, nieces and nephews.

• 43:04Caleb Hammer?

  Yeah, they're all gonna be ashamed of you from this.

• 43:07Speaker 03

  Oh, that, yeah, sure, but they, they don't, I don't care.

• 43:10Caleb Hammer?

  Yeah, they don't care if you die. So what is a reason for you to keep living? Unfortunately, for the rest of us in Minecraft.

• 43:17Speaker 03

  Just to enjoy life, honestly, like.

• 43:19Caleb Hammer?

  What are you enjoying? You live with mother, you're gambling, you're an alcoholic freak.

• 43:22Speaker 03

  Money is like, okay, this is my also belief with the credit score situation, all this stuff. Money is just a tool to pay bills and that's it.

• 43:32Caleb Hammer?

  But you don't pay bills.

• 43:33Speaker 03

  Well, I pay what I need to pay. That's about it.

• 43:36Caleb Hammer?

  You live with your mother, you weirdo.

• 43:41Speaker 03

  I've traveled.

• 43:42Caleb Hammer?

  And this is what's so pathetic is you are the guy that you're ranting to Colin before about men and women. How men have gone soft and the world is against men and the women is stacked. And honestly, you're right. Women is, uh, uh, colleges stacked for women right now and it's against men. There are some real things. The gender divide is horrible. The gender wars are horrible. The loneliness dating apps are, uh, if they were a country alone, would be literally the 25th most unequal country in the world in terms of the ratio against men in terms of what you pay for and what you get. It's really bad. There's lots of things, but you're a pathetic excuse of a person that you would not be able to adequately, adequately speak on the actual realities of men and women in this country at all.

• 44:24Speaker 03

  For sure. Yes.

• 44:24Caleb Hammer?

  And yet you're just sitting there ranting, ranting, ranting about how men are pathetic. You're pathetic.

• 44:29Speaker 03

  Yeah.

• 44:30Caleb Hammer?

  You're the example.

• 44:31Speaker 03

  Serial dater and I will tell you.

• 44:32Caleb Hammer?

  It's not even about dating. You are the example of what is wrong with men. You are pathetic, living with mom at 45, 42.

• 44:39Speaker 03

  As a man, it doesn't matter how much you make or what you do for a certain, a lot of women. They don't care about that anymore because they want to be boss babes and they want, they live, especially these boss babes liberal women want traditional men.

• 44:50Caleb Hammer?

  Why would they want to be with you? You're not a traditional man. You live with your mother. You're an alcoholic. You gamble every day. You are not traditional.

• 44:55Speaker 03

  That's all normal for San Antonio. You know, that's like the biggest DUI city in the country. It's like one of the biggest.

• 45:01Caleb Hammer?

  You're a failure in every way. It wasn't stacked against you. There are actual men that have statistical things stacked against them. With the end of male spaces and whatnot. That is an actual true thing that has happened.

• 45:11Speaker 03

  Them other than maybe being born as a poor, uh, poor black man, you know?

• 45:15Caleb Hammer?

  Huh? What are you saying?

• 45:17Speaker 03

  What do they have against them that they can't take or they can't do more with?

• 45:22Caleb Hammer?

  What do you mean? What are you saying? What's your counter argument?

• 45:24Speaker 03

  They have a. Roadblocks or they have legitimate reasons why they can't get ahead in life and do all this. That's what you said.

• 45:31Caleb Hammer?

  Roadblocks?

• 45:31Speaker 03

  Well, whatever you said.

• 45:33Caleb Hammer?

  No, there's a loneliness crisis and the dating apps and everything is stacked against.

• 45:37Speaker 03

  There's only a crisis because they're making it. Because men and women don't know how the, how to react with each other and stuff. They're, they're lonely.

• 45:46Caleb Hammer?

  So you're the pinnacle of man who can speak for how men are pathetic now?

• 45:49Speaker 03

  Men not, not to be afraid to hit up DM sometimes to go out and find a woman, not to be afraid.

• 45:55Caleb Hammer?

  Sure, I agree, but you also have to acknowledge the cancel culture that that exists in the T app.

• 45:59Speaker 03

  Yeah.

• 45:59Caleb Hammer?

  The T app and Facebook groups, these are real things.

• 46:02Speaker 03

  I was, I was a part of Facebook group, I won't mention, but uh, I was accused, I was accused of from some people.

• 46:08Caleb Hammer?

  Okay, we're not surprised and I bet you did it.

• 46:10Speaker 03

  And you know what I did? I told them straight up and the people won't do this. If you really believe that you're a shit friend for not uh, going to the police or going and being for your friend. And if you still believe that, call the police, have them come to me, I'll do an interview and we'll do this stuff.

• 46:23Caleb Hammer?

  Okay.

• 46:24Speaker 03

  That's the reason why.

• 46:24Caleb Hammer?

  So who accused you?

• 46:26Speaker 03

  Oh, I don't, it's actually, I do know, but it's a, somebody I barely know, it's a part of.

• 46:30Caleb Hammer?

  What was the accusation against you?

• 46:32Speaker 03

  That's it. I forced myself on somebody that he knows and.

• 46:35Caleb Hammer?

  Huh?

• 46:35Speaker 03

  Yeah, he said, I heard you forced yourself on somebody and uh.

• 46:39Caleb Hammer?

  What did the person that you forced yourself on say?

• 46:42Speaker 03

  I don't know who, they won't say, they don't wanna say, cause a victim, you know, whatever. And I, and I told him, then do it, go to the police, do all this stuff. It's mainly because when you are like me.

• 46:52Caleb Hammer?

  So you don't know who you are. Buddy, first of all, you're probably plastered out of your mind. How do you know?

• 46:58Speaker 03

  No, see that I.

• 47:00Caleb Hammer?

  Three DUIs.

• 47:00Speaker 03

  I, yeah, well, and see, that's the other thing too, all that pissed me off. You mentioned something about DUIs and all stuff. First of all, you don't know anything about the legal system when it comes to actually being in it and going to court cases and stuff. When it comes to criminal, when it comes to criminal, have you ever dealt with a criminal case? All cases are different. A DUI is not a DUI, it's a DUI. They're all different. My first one was for sleeping.

• 47:22Caleb Hammer?

  What's the point you're trying to make?

• 47:23Speaker 03

  Was for sleeping in my car and I didn't know it was illegal to just sleep in your car, to sleep it off.

• 47:28Caleb Hammer?

  See, you broke the law.

• 47:29Speaker 03

  Yeah, okay. And then the other one was, I didn't leave the parking lot, I got another one. The third one was legit. I, I traveled two miles, I was.

• 47:36Caleb Hammer?

  That's fair.

• 47:37Speaker 03

  That was fair.

• 47:37Caleb Hammer?

  They're all fair.

• 47:38Speaker 03

  And technically they are. I

• 47:40Caleb Hammer?

  I believe. How would I need to have gone through a criminal?

• 47:44Speaker 03

  No, no, no, because there's a difference. Because there's a difference between uh, if two DUIs is if you were traveling and get in an accident, or if you were sleeping in your car, there's a reason why a third DUI in Texas is considered a felony. And two years, two to 10 years in prison.

• 48:01Caleb Hammer?

  Good.

• 48:02Speaker 03

  I got the choice.

• 48:03Caleb Hammer?

  I wish you were there, so you would stop.

• 48:04Speaker 03

  The choice of misdemeanor felony and

• 48:07Caleb Hammer?

  Well, we're very lenient.

• 48:08Speaker 03

  I didn't have to serve any time, but and I actually took the felony because the probation is a little easier and for me personally.

• 48:17Caleb Hammer?

  Oh, you're never gonna get a job again.

• 48:19Speaker 03

  Me personally, I know my, the way I am and the way I move and I like, you know what? Felony won't hurt me that much.

• 48:28Caleb Hammer?

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• 49:11Caleb Hammer?

  This is the best membership you'll ever join, and that's a promise.

• 49:16Caleb Hammer?

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• 49:58Caleb Hammer?

  Dude, if you were someone that was known, I would totally believe you that there's like a false accusation because it's been weaponized. Things have been over sensationalized. The culture is bullshit at this point. I almost believe nothing that's accused against anyone anymore.

• 50:10Speaker 03

  Well.

• 50:10Caleb Hammer?

  It's because it's absolutely insane.

• 50:11Speaker 03

  The reason why people say shit like that too is because of jealousy.

• 50:14Caleb Hammer?

  No one knows you. Why would someone accuse you?

• 50:17Speaker 03

  I'm known in that group and I'm.

• 50:18Caleb Hammer?

  A Facebook group?

• 50:19Speaker 03

  It's a big group here and locally. People of, or not people, I'm sorry. Singles of Round Rock or.

• 50:26Caleb Hammer?

  Why would they accuse you? What's the point?

• 50:28Speaker 03

  Because, uh, yeah, Round Rock Singles.

• 50:30Caleb Hammer?

  Round Rock, like Round Rock Austin?

• 50:32Speaker 03

  For five years, yes. I used to live there.

• 50:33Caleb Hammer?

  Round Rock is a small little town.

• 50:36Speaker 03

  It's the biggest suburb of Austin.

• 50:37Caleb Hammer?

  Suburb. It's not like a big thing.

• 50:41Speaker 03

  It's probably almost as big as Austin. It's getting there.

• 50:44Caleb Hammer?

  Over a million people in Round Rock?

• 50:46Speaker 03

  I don't know.

• 50:47Caleb Hammer?

  No, I would highly doubt that.

• 50:48Speaker 03

  Well, most people can't even, that's why they go to Round Rock and Flurgers. They can't afford Austin.

• 50:54Caleb Hammer?

  Well, no, no, no. I mean, yes, random accusations 100% do exist, but if you're someone known, I would consider it probably likely bullshit.

• 51:01Speaker 03

  Well, saying before I was interrupted.

• 51:03Caleb Hammer?

  By the way, it's, uh, it's about 15% of the population.

• 51:07Speaker 03

  Of what?

• 51:07Caleb Hammer?

  Round Rock has 15% of the population is Austin.

• 51:11Speaker 03

  Oh, well, I mean.

• 51:12Caleb Hammer?

  So shut the up. You know, nothing. You say things, you don't know things.

• 51:14Speaker 03

  I mean, okay, Williamson County will say then.

• 51:17Caleb Hammer?

  Okay, yeah, push the goalpost.

• 51:20Speaker 03

  The, uh, the whole point about the.

• 51:22Caleb Hammer?

  I just don't understand why someone would accuse you.

• 51:24Speaker 03

  Because I was known in the group for.

• 51:27Caleb Hammer?

  As a.

• 51:28Speaker 03

  Dating and going on too many dates and hooking up with people and.

• 51:32Caleb Hammer?

  What's wrong with that?

• 51:33Speaker 03

  A lot of people have jealousy issues and like, they don't believe that I actually.

• 51:36Caleb Hammer?

  Who's jealous of you?

• 51:38Speaker 03

  Well, of that instances or those, or the friends of friends and I, uh.

• 51:44Caleb Hammer?

  Dude, can't you're, dude, you see.

• 51:46Speaker 03

  I'll just say.

• 51:46Caleb Hammer?

  Cancer culture was totally weaponized and I don't believe people anymore, but I don't understand why you.

• 51:51Speaker 03

  Once you get also a couple of women and you have fun with them, then they talk too. And then they think about it and they're like, oh, he was fun. And then you get a message like, hey, what are you doing tonight? And you know, you go with that and you just have fun with different women and they start talking and things happen. And next thing you know, you're doing too much with too many people and people don't like that. So, and I haven't done it in a while, but.

• 52:15Caleb Hammer?

  City one, that's good. I'm glad.

• 52:18Speaker 03

  I mean.

• 52:19Caleb Hammer?

  No, you're just going through and hard hours.

• 52:22Caleb Hammer?

  Turn our ears with those words instead.

• 52:25Speaker 03

  Yeah, I I will admit to that. That's fine. But it's only if it's not consensual. So. You consented to me saying it. So, yeah.

• 52:35Caleb Hammer?

  I guess it was implied.

• 52:36Speaker 03

  You didn't necessarily think I would have wanted me to, but you consented to it. So.

• 52:42Caleb Hammer?

  I don't know what the to do with you. What do I even put down as your income?

• 52:45Speaker 03

  Uh, I make about nine hundred every two weeks, so eighteen hundred monthly for Walmart and on average, a minimum.

• 52:55Caleb Hammer?

  I'm gonna cross that out because I'm gonna call your manager and get you fired in the.

• 52:58Speaker 03

  I made a month a thousand bucks from casino stuff. Yeah, a month and then about five hundred, let's say for arcade stuff that I I haven't been. I could do more. It's just.

• 53:08Caleb Hammer?

  You are such a joke.

• 53:09Speaker 03

  I just haven't done much. But see, the casino stuff. It varies a lot. So about a few days ago, I actually did get a forty six hundred dollar payment from them. So that helped, but it's.

• 53:21Caleb Hammer?

  This is strictly in Minecraft, in Minecraft, in Minecraft.

• 53:25Speaker 03

  I've never played Minecraft, so I don't even know what that is.

• 53:27Caleb Hammer?

  This is in Minecraft.

• 53:28Speaker 03

  What is?

• 53:28Caleb Hammer?

  But would the world lose anything if you were no longer here? I don't think in Minecraft.

• 53:34Speaker 03

  Is this like the Ender Dragon or something? Or I don't. And that's all I know about Minecraft.

• 53:40Caleb Hammer?

  No, you're the zombie that pulls up to a village, knocks down the door and it's a bitch. What do you think your financial score is? Zero to ten, zero being the worst, ten being the best.

• 53:50Speaker 03

  Uh, point five. Pension.

• 53:54Caleb Hammer?

  Pension.

• 53:55Speaker 03

  Yeah.

• 53:56Caleb Hammer?

  Ladies and gentlemen.

• 53:56Speaker 03

  More than people can say. That's a lot more than most people can say these days. I'm just saying.

• 54:01Caleb Hammer?

  No, not at your age, actually.

• 54:04Speaker 03

  Most people don't even have a pension.

• 54:06Caleb Hammer?

  Not pension, but they do have retirement funds, which are gaining usually better. Pensions aren't usually even the best. These days.

• 54:12Speaker 03

  Well, I was in a different situation. The railroad is tried and true. So I'm not worried about that.

• 54:18Caleb Hammer?

  Fifteen hundred dollars. That's what you make now. You can't survive today. Yes, today's money.

• 54:22Speaker 03

  I probably could survive off fifteen hundred a month, plus a little side stuff. Yeah.

• 54:26Caleb Hammer?

  Oh, well, yeah, with you doing extra sure, but that's not retirement.

• 54:29Speaker 03

  Yeah.

• 54:29Caleb Hammer?

  Go on to Hammer Financial Score, get it for free at CalebHammer.com. Take the assessment, just takes a few minutes and you can see where you stand in the world of finances on your own very, very own Hammer Financial Score. And if you don't want to be like a guest that ends up on this show, make sure you download the Dollar Wise Budgeting app like tens of thousands of monthly active users use for a reason with the automated account connections and those insights you need to change your life. Take the free trials if you like it. Most people sign up for the annual version after the trial because it saves almost 50% on the cost. And you get my personal digital cookbook in your inbox and the physical 30 day meal plan signed by me mailed directly to you. This is what it looks like.

• 55:10Caleb Hammer?

  I sign it and I mail it to you. I'm not giving one to him because he's a bad person. And he deserves nothing.

• 55:15Speaker 03

  You could see that? Oh, I thought you said fat. I thought you said bad. Well, same thing. And they're both.

• 55:22Speaker 03

  Let's see.

• 55:24Caleb Hammer?

  Let's see what?

• 55:26Caleb Hammer?

  Your finances? Yes, we're doing that.

• 55:27Speaker 03

  Yeah.

• 55:28Caleb Hammer?

  Okay, IRS stat. This is since 2019.

• 55:31Speaker 03

  Yeah.

• 55:32Caleb Hammer?

  What the is wrong with you? You're pathetic. You are actually, I can't believe you're the one that says, man, wait, you are the example of weak men. You're holding our society back. You're not providing anything. You're a taker, not a contributor.

• 55:46Speaker 03

  Oh, I don't, I don't.

• 55:47Caleb Hammer?

  You are the weak men that create hard times.

• 55:48Speaker 03

  Yeah, but I don't even qualify for taking anything, though. I, I've even tried for.

• 55:53Caleb Hammer?

  No, but you owe your taxes.

• 55:54Speaker 03

  Assistance and stuff. Yeah, yeah. I mean, they'll get it back eventually.

• 55:59Caleb Hammer?

  Really? I don't know. Now, when you get fired, what wages are they going to garnish?

• 56:02Speaker 03

  Well, I don't, I mean, I'm going to have jobs here and there, so.

• 56:06Caleb Hammer?

  Here and there, you felony, who's hiring you?

• 56:10Speaker 03

  I mean, there's a lot of jobs.

• 56:12Caleb Hammer?

  Why'd you leave the railroad?

• 56:13Speaker 03

  Oh, boy. There, well, there's multiple reasons.

• 56:17Caleb Hammer?

  Too many of them colored.

• 56:19Speaker 03

  Kind, no, there's, there's a multitude of reasons, some more important than the other. The main reason-

• 56:26Caleb Hammer?

  Which color's the worst?

• 56:28Speaker 03

  Purple.

• 56:28Caleb Hammer?

  Of the people?

• 56:29Speaker 03

  Black, oh, well, black and white are technically not colors, you know?

• 56:33Caleb Hammer?

  Uh huh, and which one's the worst? Which race is the worst? Which race on planet Earth is the worst race?

• 56:39Speaker 03

  They're all bad.

• 56:41Speaker 03

  But of course, it's the-

• 56:42Caleb Hammer?

  Howard.

• 56:43Speaker 03

  No, of course, it's the, um, hmm. The worst, that's a good question, I never thought of it. If I had to pick one- If I had to pick one, well, it's not necessarily race, but region, there's two of them. Some Indians and Nigerians. Lot of scammers, lot of people taking money.

• 57:04Caleb Hammer?

  And what's the worst race?

• 57:06Speaker 03

  There's no such thing as the worst race, there's worse regions or people of color and races. Horrible white people, horrible black people, horrible Asians.

• 57:16Caleb Hammer?

  Oh, very welcome to them.

• 57:17Speaker 03

  It all depends on your morality and your bone belief system.

• 57:22Caleb Hammer?

  And which race is the least moral?

• 57:24Speaker 03

  Well, it's not a race, everybody but Americans. We have our own culture, like Iran or Iran, whatever. What they think they're doing over there is right and everything, so who are we to say that they're wrong? You know, so for me-

• 57:40Caleb Hammer?

  What's your least favorite disability?

• 57:43Caleb Hammer?

  My favorite job interview question, by the way.

• 57:45Speaker 03

  The ones that people claim they have that they don't, which is a lot of times-

• 57:48Caleb Hammer?

  No, real disability.

• 57:50Speaker 03

  Well, a lot of mental disability, mental.

• 57:53Caleb Hammer?

  Well, you have many.

• 57:54Speaker 03

  No, they, mental, most mental disabilities are bullshit.

• 57:58Caleb Hammer?

  You think my panic disorder is bullshit?

• 58:01Speaker 03

  No, because that also has physical traits to it. You know, that is real, and I, I think that that goes, that coincides with mental disability. But when people say it's being weaponized way too much just to get, make excuses for not going to work or for doing this, for doing that. And, um, especially like when you brought up military-

• 58:21Caleb Hammer?

  What's your monthly payment on your IRS?

• 58:25Speaker 03

  Zero.

• 58:26Caleb Hammer?

  Right.

• 58:26Speaker 03

  I, I mean, I do plan on doing a payment plan instead of them-

• 58:30Caleb Hammer?

  What were you about to say about the military?

• 58:32Speaker 03

  The disability crap, you know, like I know-

• 58:34Caleb Hammer?

  That's not just all bad.

• 58:36Speaker 03

  No, but- People use disability.

• 58:39Caleb Hammer?

  This show.

• 58:40Speaker 03

  Yeah, no, no, it happens all the time outside and it's not just military, it's anybody and everybody like I even, I even abused F M L A when I worked for the railroad.

• 58:48Caleb Hammer?

  We're not surprised.

• 58:49Speaker 03

  Yeah, and the.

• 58:50Caleb Hammer?

  You're pathetic.

• 58:51Speaker 03

  Because my girlfriend at the time has a crippling anxiety, can't drive all the stuff.

• 58:56Caleb Hammer?

  Or she was a cripple and that's the only one that.

• 58:58Speaker 03

  I, I would.

• 58:59Caleb Hammer?

  Did she even consent to it?

• 59:01Speaker 03

  Most times until the last time we, no, no, no, wait, that sounds bad. That's not what I meant.

• 59:07Caleb Hammer?

  Well, you are accused of.

• 59:08Speaker 03

  No, the last time that we hooked up, so, uh, we recorded ourselves and I saw, I saw her face on her, the look on her face.

• 59:15Caleb Hammer?

  She know you're recording?

• 59:16Speaker 03

  Yeah, she knew and, uh, I could tell then that it was gonna.

• 59:20Caleb Hammer?

  Has anyone else seen it?

• 59:21Speaker 03

  No, no, not that. No, no.

• 59:24Caleb Hammer?

  But other ones?

• 59:25Speaker 03

  No, but they've seen enough. She used to be a modeling. She is, she even went to Playboy Mansion once. She used to be in the culture.

• 59:31Caleb Hammer?

  Continue your story.

• 59:31Speaker 03

  But she, uh, we went to her psychiatrist and she filled out paperwork for me to get F M L A on her, even though we're not married or have any spousal relationship.

• 59:40Caleb Hammer?

  Kamala?

• 59:40Speaker 03

  That's B S. Like, that shouldn't even happen, but I took advantage of it and I got F M L A.

• 59:45Caleb Hammer?

  Just like you took advantage of her. Very good. Show me a picture.

• 59:48Speaker 03

  Yeah, I, I will, but.

• 59:49Caleb Hammer?

  Playboy model. Let's see this.

• 59:51Speaker 03

  Well, no, no, yeah, she used to.

• 59:53Caleb Hammer?

  Oh, no, here, here's the walk back.

• 59:54Speaker 03

  No.

• 59:55Caleb Hammer?

  Here's the walk back.

• 59:56Speaker 03

  Went to the Playboy Mansion and she did stuff there like a little pageantry or whatever, but she wasn't like, she used to do that stuff and she's gorgeous, but she, um, she has issues and she's one of the.

• 1:00:07Caleb Hammer?

  Clearly to be with you.

• 1:00:08Speaker 03

  Yeah, she's one of the reasons why I quit the railroad, but the main reason is because I just hated, it's 24 seven on call, uh, job.

• 1:00:14Caleb Hammer?

  That's why you make good money.

• 1:00:15Speaker 03

  And the people that worked there were annoying. They're cheating on their wives, complaining about bills. Kids. I had enough of that crap. I had enough of like being on call time. I lived in Round Park, but I had to report to San Antonio two hours to get to work. Well, for me, it varied a lot because a lot of times I didn't go to work.

• 1:00:34Caleb Hammer?

  What were you making?

• 1:00:35Speaker 03

  At the minimum, uh, like five grand a month, that max 15 grand a month.

• 1:00:39Caleb Hammer?

  See, you're making good money. That's why. It comes with it.

• 1:00:42Speaker 03

  Yeah, and that, they.

• 1:00:44Caleb Hammer?

  Show me a picture.

• 1:00:45Speaker 03

  Okay, hold on.

• 1:00:46Caleb Hammer?

  There's additional 2018 I R S that 4,198 dollars.

• 1:00:52Speaker 03

  This is with their new man, but that gives you an idea.

• 1:00:56Speaker 01

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• 1:01:26Speaker 03

  It's about 20 years older.

• 1:01:27Caleb Hammer?

  Okay.

• 1:01:29Speaker 03

  I mean, that's

• 1:01:31Caleb Hammer?

  average white girl to me.

• 1:01:32Speaker 03

  Yeah, I mean.

• 1:01:34Caleb Hammer?

  I mean, I probably out of your league.

• 1:01:36Speaker 03

  Oh, yeah, yeah, I completely agree. Even my last sex, they're

• 1:01:39Caleb Hammer?

  Bad nose job.

• 1:01:41Speaker 03

  She doesn't have it. At least not that I know of. She doesn't have a nose job, but it wouldn't surprise me. I don't know.

• 1:01:49Caleb Hammer?

  And do you still talk to her?

• 1:01:50Speaker 03

  A little bit here and there, but not, no, just like share a reel here and there. She'll send me, she'll send me a reel of like a train thing or, um, oh, I forgot what last one. Oh, playing arcade games.

• 1:02:02Caleb Hammer?

  2015 IRS you owe for over more than a decade ago?

• 1:02:06Speaker 03

  Yeah, I, I'm pretty sure it's still there.

• 1:02:10Caleb Hammer?

  What the is wrong with you, dude? Why? So, okay, even back in 2000, that's $24,611.49. That's insane.

• 1:02:21Speaker 03

  Yeah, I thought it was lower, but I guess with penalties and interest, I don't know. Uh, that year I might have worked enough. I don't know. Um, I only had my railroad job at the time and I, I claimed tax exempt, so.

• 1:02:34Caleb Hammer?

  So you've been doing that since your 30s, since even before your 30s, you've been doing the tax exempt bullshit.

• 1:02:40Speaker 03

  I, I went on and off with it. You know, when I need extra money, when I need extra money.

• 1:02:44Caleb Hammer?

  You're literally not a contributor in any way whatsoever.

• 1:02:46Speaker 03

  Well, taking, well, other than I don't take like resources per se, I owe.

• 1:02:51Caleb Hammer?

  Everyone's taxes are gonna have to be higher because of people like you who aren't paying their fair share. You're the people that aren't paying their fair share.

• 1:02:57Speaker 03

  Now I'm in the bracket to where, uh, I shouldn't have to pay anything. So except for what I owe, maybe.

• 1:03:05Caleb Hammer?

  When was the last time you had not filed exempt?

• 1:03:07Speaker 03

  Few years ago.

• 1:03:09Caleb Hammer?

  Well, now, yeah, I'm getting weird. Now this is 2023 through 24, 25, 23 to through 20, 25 IRS. It's crazy. So you have four individual debts with the IRS. Oh, you don't even know. It's question mark. It's question mark.

• 1:03:24Speaker 03

  For what? The last

• 1:03:26Caleb Hammer?

  IRS debt twenty-three to twenty-five.

• 1:03:28Speaker 03

  Yeah, cuz I didn't, I didn't file, so.

• 1:03:30Caleb Hammer?

  Oh, it just haven't even filed.

• 1:03:32Speaker 03

  Yeah.

• 1:03:32Caleb Hammer?

  Why the [__] out? So the past three years you haven't.

• 1:03:34Speaker 03

  Well, cuz I was around the, uh, the minimum requirement to file or not, uh, poverty, whatever, um, my job.

• 1:03:41Caleb Hammer?

  Through your own [__] choice, too. That's insane.

• 1:03:44Speaker 03

  I figured if, uh, with all the little jobs I had in the W, whatever they send, um, it was a little too much to keep track of. So I figured they'll audit me and they'll get it. So it is what it is.

• 1:03:58Speaker 03

  But that's why I'm here. I have a laissez-faire attitude with pretty much everything and I love it. I love.

• 1:04:02Caleb Hammer?

  You're sure for your own life.

• 1:04:04Speaker 03

  I love the freedom. However, I, I do wanna clean it up a little bit, so.

• 1:04:08Caleb Hammer?

  Freedom, but you still owe your taxes because then you cost people like me.

• 1:04:13Speaker 03

  Yeah, but I, they're gonna get their money no matter what.

• 1:04:15Caleb Hammer?

  Also, again, it's freedom, yes, to a certain extent. You can't drive drunk.

• 1:04:19Speaker 03

  Well, you can. You'll just get in trouble for it if you get caught.

• 1:04:22Caleb Hammer?

  When you did, duh.

• 1:04:23Speaker 03

  Yeah, and.

• 1:04:25Caleb Hammer?

  So the future.

• 1:04:26Speaker 03

  Hmm.

• 1:04:28Caleb Hammer?

  What's the future look like for you? What are you even trying to do? What are we trying to do? I'm sure you wanna clean a little bit of this up, but what can we do on the income side? Like, what, what is there for you?

• 1:04:36Speaker 03

  Actually, I'm not too worried about cleaning stuff up right now. Uh.

• 1:04:40Caleb Hammer?

  What's the point? What are we doing then?

• 1:04:41Speaker 03

  Well, I eventually, yes, but it's more about progressing in us, you know, business stuff and.

• 1:04:48Caleb Hammer?

  Business.

• 1:04:48Speaker 03

  Making more money.

• 1:04:49Caleb Hammer?

  Who's gonna do business with you?

• 1:04:51Speaker 03

  I'll do my, well, anybody that wants to make money because I deal with. I also have a resale certificate and I used to buy wholesale and sell retail and all that kinda stuff.

• 1:05:02Caleb Hammer?

  So, okay, what's our business future?

• 1:05:04Speaker 03

  Mainly continuing doing the casino stuff while it's still legal in Texas until that runs out, then.

• 1:05:12Caleb Hammer?

  Is that on the docket for no longer being legal?

• 1:05:14Speaker 03

  It's been on the docket for the last couple of years and they've been getting more stringent.

• 1:05:18Caleb Hammer?

  Voted for it?

• 1:05:19Speaker 03

  No, not yet. It's been taken up here and there, but with the elections and stuff, they.

• 1:05:23Caleb Hammer?

  Even so, what? You make a thousand hours a month from that? You know, that's not our survival.

• 1:05:27Speaker 03

  That's, that's on average minimum. Like, I sometimes.

• 1:05:30Caleb Hammer?

  Okay, so average minimum is.

• 1:05:32Speaker 03

  Fifteen K.

• 1:05:32Caleb Hammer?

  Yeah, but average minimum in that case would be. Twelve thousand a year.

• 1:05:36Speaker 03

  That's a safe amount.

• 1:05:37Caleb Hammer?

  That's still twelve thousand a year average. Safe, minimum. You're not living on that. So what's the future?

• 1:05:43Speaker 03

  I was and I have been until I injured.

• 1:05:45Caleb Hammer?

  You live with your mother, you pathetic woman.

• 1:05:46Speaker 03

  Because I injured myself. I broke my arm and I had, I couldn't work for two months. So things got back and I'm like, you know what? It's better for me to go home and save some money. And I healed up and now I'm getting back on my feet. So.

• 1:05:59Caleb Hammer?

  Listen, normally I would offer him things to help, but I'm not going to. So you, you don't get a course career certification, which is what most people on the show, which is what everyone else on the show uses to improve their income through their job experience with the course careers on the resume and get a better job. You, I'm not going to get you access to any kind of personal loans or extra help that you can find on Calebhammer.com. Not going to do that. I'm not going to get you on helium either. You, you get nothing.

• 1:06:25Speaker 03

  Well.

• 1:06:26Caleb Hammer?

  You.

• 1:06:27Speaker 03

  Loans are not, shouldn't even be allowed. You don't need, exactly.

• 1:06:31Caleb Hammer?

  I thought there's freedom. Why? I can't borrow from someone? Go fuck yourself. That's not freedom.

• 1:06:36Speaker 03

  But, but you don't need that to be financially successful. It's actually better to have no credit score or even a bad one.

• 1:06:42Caleb Hammer?

  Yeah, someone trying to get a four hundred thousand dollar median price home.

• 1:06:45Speaker 03

  It's easy. Manual underwriting, you could do it even with bad credit, have a bigger down payment. Yeah, exactly. But you don't need a credit score and other loans to show them.

• 1:06:52Caleb Hammer?

  That's still a loan. You just said you don't, shouldn't have loans. That's a loan.

• 1:06:56Speaker 03

  Yes.

• 1:06:57Caleb Hammer?

  Manual credit on a manual underwriting isn't everywhere for everyone.

• 1:07:00Speaker 03

  That's a different type of loan. You would say in a personal loan. That's completely different than a home mortgage. Even a personal loan, you can get manual underwriting.

• 1:07:06Caleb Hammer?

  You can manual underwrite any kind of loan.

• 1:07:08Speaker 03

  So it doesn't matter even if you pay your bills and stuff.

• 1:07:10Caleb Hammer?

  What are you talking about? What is the point you're trying to make?

• 1:07:13Speaker 03

  Well, I'm trying to make is it doesn't matter what your, even your past is and the bills you pay or don't pay. You can always get what you want if as long as you have.

• 1:07:20Caleb Hammer?

  Not necessarily. Who's going to qualify you even with manual underwriting?

• 1:07:23Speaker 03

  Well, anybody, if you have enough cash to like twenty percent or to have some equity in the home, that they'll take the chance on it.

• 1:07:28Caleb Hammer?

  You have eighty thousand dollars for a twenty percent down payment on.

• 1:07:31Speaker 03

  First of all, that's a ridiculous amount of price. You don't need that kind of home.

• 1:07:34Caleb Hammer?

  Median.

• 1:07:34Speaker 03

  Yeah, for where?

• 1:07:35Caleb Hammer?

  In this country.

• 1:07:36Speaker 03

  Even San Antonio.

• 1:07:36Caleb Hammer?

  The United States.

• 1:07:37Speaker 03

  Yeah, but San Antonio, you could get a condo for a hundred K. So.

• 1:07:41Caleb Hammer?

  Can, not necessarily are.

• 1:07:43Speaker 03

  Not necessarily. You want to. I get it, but.

• 1:07:44Caleb Hammer?

  Well, who knows? Maybe that's not even for sale.

• 1:07:47Speaker 03

  You live within your means. You don't have to. Plus, anyway, the next five years, I kind of want to, the main focus I have is possibly living in Albania. And where you only have to make twelve hundred dollars a month to live there and the cost of living is so damn cheap.

• 1:08:01Caleb Hammer?

  You know why? Cause the incomes are associated with it. You're not gonna make dick over there.

• 1:08:04Speaker 03

  But yeah, you can, you can make money in America while being there. A lot of retirees do it.

• 1:08:11Caleb Hammer?

  With like remote jobs and different things. What are you gonna do?

• 1:08:13Speaker 03

  You don't even need that, like necessarily.

• 1:08:17Caleb Hammer?

  Huh?

• 1:08:17Speaker 03

  Yeah, you don't.

• 1:08:18Caleb Hammer?

  How are you going to make money?

• 1:08:20Speaker 03

  You can easily make 1200 a month.

• 1:08:21Caleb Hammer?

  How are you going to?

• 1:08:23Speaker 03

  Well, shit. There, there is a way to, it's not drop shipping. You can make products, especially a source from Albania, sell them on Amazon and do like.

• 1:08:36Caleb Hammer?

  But you'll be in Albania.

• 1:08:38Speaker 03

  No, you could start it here and export, export the, yeah, but you could still do it here.

• 1:08:43Caleb Hammer?

  How? You're not here. You're in Albania.

• 1:08:45Speaker 03

  No, you can conduct business in Albania or here. It's, it's fine.

• 1:08:49Caleb Hammer?

  What are you drop shipping?

• 1:08:50Speaker 03

  It's not drop shipping. I would actually make it with the, it's actually from the Baltic. It's the Ts and uh, and Sage and all that stuff. Yeah. It's specific to the Baltic.

• 1:09:01Caleb Hammer?

  You could just do this. Why haven't you?

• 1:09:02Speaker 03

  It costs money and uh, I don't also.

• 1:09:05Caleb Hammer?

  Then how are you going to? If it costs money?

• 1:09:07Speaker 03

  I'll make the money.

• 1:09:07Caleb Hammer?

  How do you make the money?

• 1:09:08Speaker 03

  It's not even that expensive if you want to do it on your own.

• 1:09:11Caleb Hammer?

  You done it. You keep counter.

• 1:09:12Speaker 03

  Because I'd rather do it professionally and with SEO and all that stuff. Because I don't have the money.

• 1:09:19Caleb Hammer?

  Then how are you going to?

• 1:09:20Speaker 03

  Easily.

• 1:09:21Caleb Hammer?

  What?

• 1:09:21Speaker 03

  Work.

• 1:09:22Caleb Hammer?

  You're not. You're about to get fired from your Walmart job fairly.

• 1:09:25Speaker 03

  Yeah, but that's not, that's not really.

• 1:09:27Caleb Hammer?

  Well, unfortunately that's your only income and you have a felony. So good luck.

• 1:09:30Speaker 03

  Yeah, but that's a, there's always jobs and always a way to make money no matter who you are, what you do.

• 1:09:36Caleb Hammer?

  For felons.

• 1:09:37Speaker 03

  Oh yeah. Oh yeah. There's, there's felons, even worse charges and all that to me that make more money.

• 1:09:43Caleb Hammer?

  Yeah, until your conviction comes through.

• 1:09:44Speaker 03

  All that. Shoot. I, I invited to try. I actually would love it. Because I, you know, when the reason why people don't do stuff like that or like lawsuits is because there's discovery process. And if you open yourself up to discovery, then you have the chance to ruin your own life. Especially when there's a false accusation. So I invite that.

• 1:10:03Caleb Hammer?

  Okay, what are we gonna find in your life?

• 1:10:05Speaker 03

  Nothing that I won't talk about here.

• 1:10:08Caleb Hammer?

  Okay, yeah, meeting in San Antonio is cheaper. It's right around that like, uh, it ranges from 260 to 310. So there you go. So are you saving up? Well, you're not gonna live.

• 1:10:16Speaker 03

  No, no.

• 1:10:17Caleb Hammer?

  Uh, okay. Does everything, what you're doing for that money illegal?

• 1:10:23Speaker 03

  Technically, yes.

• 1:10:24Caleb Hammer?

  Technically, yes. So it could not be very soon.

• 1:10:27Speaker 03

  Do you have any, uh, knowledge in the trading card sphere? Okay, well.

• 1:10:32Caleb Hammer?

  That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Stop bleeding out money, making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some banks' pockets.

• 1:11:14Caleb Hammer?

  And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple-digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse.

• 1:11:55Caleb Hammer?

  You still need to fix the behavior that screwed you in the first place, but if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to CalebHammer.com. And remember, you've still gotta do the work.

• 1:12:14Speaker 03

  When you buy a box of cards, not Pokemon, it's a little different because that's a trade card, but like, uh, sports cards. When you buy a box, there's a no purchase necessary caveat to that because otherwise it's considered gambling because you're buying something that you don't know the value of. So the casinos work the same way in certain states. So in order for them to be legal, they have to give you ways to play for free. And that's what I do. I enter with postcards and I

• 1:12:39Caleb Hammer?

  I'm talking about tea business, man.

• 1:12:41Speaker 03

  Oh, that what? That's, that's wait, legal. Yeah, it's completely legal. It's just, uh, you have to go through the process.

• 1:12:49Caleb Hammer?

  What's your funding source you'll need?

• 1:12:51Speaker 03

  Altogether, um, to do it legitimately, like with the professional photos, all that stuff with Amazon, it would be no more than 25K. But

• 1:13:00Caleb Hammer?

  You're never gonna get to 25K. What?

• 1:13:03Speaker 03

  And that's what, that's another reason why I want to come here because I know my situation's not the best. I know it's not the worst.

• 1:13:09Caleb Hammer?

  Not at all. Pretty bad.

• 1:13:10Speaker 03

  But

• 1:13:11Caleb Hammer?

  You live with your mother at 42.

• 1:13:12Speaker 03

  It doesn't take much to reverse that. And it doesn't, it doesn't matter if you're a felon, if you make, even if you make little money.

• 1:13:19Caleb Hammer?

  You make $1,500 a month right now. You're not getting in at 25.

• 1:13:21Speaker 03

  To me, it's all about the, it's about the mindset people have. It doesn't matter.

• 1:13:25Caleb Hammer?

  Oh, the grindset.

• 1:13:26Speaker 03

  No, no, not that, not that. If you make a million dollars a year, you can still be a destitute and poor and waste your money.

• 1:13:34Caleb Hammer?

  Sure. And yet you're all of it.

• 1:13:35Speaker 03

  You can make two grand a month and have more money in the bank than people that make a ton.

• 1:13:39Caleb Hammer?

  Not you.

• 1:13:40Speaker 03

  I will, I will.

• 1:13:41Caleb Hammer?

  Will, never have, never do, but will. Always in the future, never now.

• 1:13:45Speaker 03

  That's, that's why I was

• 1:13:46Caleb Hammer?

  42, now you're gonna change?

• 1:13:48Speaker 03

  Yes, I've always been a coward in the sense of

• 1:13:51Caleb Hammer?

  You are a coward. You're pathetic.

• 1:13:52Speaker 03

  Putting myself out there and not making it known to the world, uh, personal responsibility. And that's one of the reasons why I came here.

• 1:13:59Caleb Hammer?

  What do you mean you?

• 1:14:00Speaker 03

  I can say, I can tell it to my, I can tell it to myself all day, look at the mirror every day, but to put yourself out there and now more accountability, that is a driving factor. If I'm not willing to change for A lot of other things in my life.

• 1:14:14Caleb Hammer?

  Okay, then stop saying the N-word to black people. Change that. Hey.

• 1:14:17Speaker 03

  I haven't been doing that. I just, I said it to make a point that it's just a word and I respect if a black person came to me.

• 1:14:24Caleb Hammer?

  You did to your black coworker, I'm told.

• 1:14:27Speaker 03

  Which one? Oh, no, that, wait.

• 1:14:28Caleb Hammer?

  Which one? Exactly. Exactly.

• 1:14:32Speaker 03

  Well, it depends on which one you're talking about. Like, back in the day when I was playing basketball, I'm sure I use all that, but it was, I was a part of the group. I was in the culture. I thought maybe you're talking.

• 1:14:40Caleb Hammer?

  Culture?

• 1:14:41Speaker 03

  Yeah, this, I was part of black culture. Um, don't look like it, obviously, but I was one of them, you know, South Side Chicago.

• 1:14:50Caleb Hammer?

  And speak in jive.

• 1:14:52Speaker 03

  No, you mean Ebonics?

• 1:14:54Caleb Hammer?

  Sure.

• 1:14:55Speaker 03

  Okay, well, I kinda did. I, uh, you know, you morph into what you're around, so.

• 1:15:01Caleb Hammer?

  Sounds like you can't anymore.

• 1:15:03Speaker 03

  Oh, no, like, if, if that was the case, I would be speaking Spanish and eating tacos, but.

• 1:15:08Caleb Hammer?

  Well, they're delicious. What is wrong with you?

• 1:15:11Speaker 03

  Well, if you go to Laredo, maybe, but, and I don't know if these tacos you have up here, they're not, they're hoity-toity crap.

• 1:15:18Caleb Hammer?

  That's where you can go.

• 1:15:19Speaker 03

  They put like cabbage in it. Like, that's not Mexican tacos.

• 1:15:22Caleb Hammer?

  If you're going to like a white people taco, go to a Mexican food truck where they can't speak English. They're everywhere.

• 1:15:25Speaker 03

  Yeah, that's Stripes at the, uh, on the border. You know, wait, do you know what Stripes is?

• 1:15:31Caleb Hammer?

  No.

• 1:15:31Speaker 03

  It's a gas station, basically, and they sell tacos and.

• 1:15:34Caleb Hammer?

  Great. I don't go to the border. It's weird. I know. I'm sorry.

• 1:15:38Speaker 03

  Down there.

• 1:15:39Caleb Hammer?

  What? That's where you get the, all the women you pay for?

• 1:15:41Speaker 03

  No, the little casino down there, you know, you can, uh.

• 1:15:44Caleb Hammer?

  Oh dude, you're such a loser. Okay, listen, you have this kind of collections.

• 1:15:49Speaker 03

  Uh, oh.

• 1:15:50Caleb Hammer?

  So you qualified for credit at some point, but nine thousand nine hundred seventy-seven, what's your plan with this?

• 1:15:56Speaker 03

  Uh, doesn't matter.

• 1:15:58Caleb Hammer?

  Been on your credit for two years, so it's gonna be on there for a long time.

• 1:16:01Speaker 03

  Oh, that's.

• 1:16:02Caleb Hammer?

  I don't know, nine thousand eight hundred seventy-seven. What was it?

• 1:16:04Speaker 03

  That's probably the, uh, the eviction thing.

• 1:16:07Caleb Hammer?

  Oh, you got evicted! Uh, be candid.

• 1:16:10Speaker 03

  By choice.

• 1:16:10Caleb Hammer?

  Your family.

• 1:16:11Speaker 03

  By choice.

• 1:16:12Caleb Hammer?

  Okay, your fa- sure, uh-huh. Your family, just like you're single. Your family, your parents, your sisters, your all that good stuff. They all find you pretty pathetic, correct?

• 1:16:22Speaker 03

  Oh, yeah. When it comes to finances, sure, but.

• 1:16:24Caleb Hammer?

  Comes to your life.

• 1:16:26Speaker 03

  Nah.

• 1:16:27Caleb Hammer?

  How? What do you mean? Tell me.

• 1:16:29Speaker 03

  It's the heart. It's the heart. They know I have a good heart.

• 1:16:32Caleb Hammer?

  What?

• 1:16:32Speaker 03

  I even.

• 1:16:33Caleb Hammer?

  You don't have a good heart?

• 1:16:34Speaker 03

  I even told my mother that I may be saying some stuff and words on there. You know what? She said, go ahead. Like you do you. And she, she might not necessarily support language, but she supported me in what I decided I want to say.

• 1:16:49Caleb Hammer?

  No, she doesn't.

• 1:16:51Speaker 03

  My mother is a little, you know, old school, so.

• 1:16:55Speaker 03

  And like grandmothers, you know, if you, if, if you talk to my grandmother and ask about going down the street at night, you know, she'll say some.

• 1:17:03Caleb Hammer?

  From a long line of racists, I see.

• 1:17:05Speaker 03

  Yeah. The hood and all.

• 1:17:08Caleb Hammer?

  Huh?

• 1:17:08Speaker 03

  But they have a nice day on the back.

• 1:17:10Caleb Hammer?

  Oh.

• 1:17:12Caleb Hammer?

  Okay. And additional collections is first for your bank, probably a credit card is four seventy six.

• 1:17:16Speaker 03

  I haven't had a credit card in years, so it's.

• 1:17:18Caleb Hammer?

  Well, this was, this has been on collections since five years. So a couple more years and that'll fall off. So what was this self-intended eviction?

• 1:17:27Speaker 03

  I don't even know if that's true because.

• 1:17:29Caleb Hammer?

  Hey, dumb. What was the self-intended eviction?

• 1:17:32Speaker 03

  Uh, I just don't like paying the rent I was paying and I was, I was paying month to month. And the month to month rate way too much. And I said, you know what? I'm going to save the money instead and go somewhere else. And yeah, just waited till my time was up and use that money elsewhere.

• 1:17:52Caleb Hammer?

  When?

• 1:17:53Speaker 03

  Because the same, the same thing is true.

• 1:17:55Caleb Hammer?

  When was it?

• 1:17:55Speaker 03

  Even if you have eviction, you can find a place to live.

• 1:17:58Caleb Hammer?

  Where'd you go?

• 1:17:58Speaker 03

  Uh, you know, extended stay in America. I rented a room for about a year in a one of those.

• 1:18:05Caleb Hammer?

  In a drug den?

• 1:18:07Speaker 03

  This one was not too bad. It was in Round Rock.

• 1:18:10Caleb Hammer?

  What the? Why?

• 1:18:12Speaker 03

  Uh, it's really cheap. All bills paid twelve hundred bucks a month, basically. And, uh.

• 1:18:16Caleb Hammer?

  Twelve hundred bucks? I can get you cheaper rental and everything after bills paid for that.

• 1:18:20Speaker 03

  Oh, not necessarily without roommate. Well, depending where you live. I was right downtown.

• 1:18:23Caleb Hammer?

  But it would be like a studio. Wow, downtown Round Rock.

• 1:18:27Speaker 03

  You find, find a place for twelve hundred dollars in Round Rock without a roommate or nothing.

• 1:18:31Caleb Hammer?

  That's a Round Rock. What a life.

• 1:18:33Speaker 03

  It's the, it's the mini Sixth Street down there. Come on.

• 1:18:37Speaker 03

  It's not, but this difference is you have you have cougars there that are willing to, you know.

• 1:18:42Caleb Hammer?

  Everyone's been to downtown Ron Ron.

• 1:18:44Speaker 03

  Yeah.

• 1:18:45Caleb Hammer?

  Get the donuts, buddy. That place ain't nice.

• 1:18:48Speaker 03

  I didn't necessarily say it was nice, but it's not, it's better than Sixth Street.

• 1:18:52Caleb Hammer?

  Downtown, why would you want to live on Sixth Street? What are you talking about? I'm not talking about any of this.

• 1:18:57Speaker 03

  Fifth Street, Seventh Street, they're not that great. I'm just, Austin itself is trash.

• 1:19:03Caleb Hammer?

  Better than San Antonio, my friend.

• 1:19:04Speaker 03

  Oh, I'm not gonna argue with that. However, they both can be trash.

• 1:19:08Caleb Hammer?

  Okay.

• 1:19:09Speaker 03

  I'm just.

• 1:19:09Caleb Hammer?

  Well, they're safer than Chicago.

• 1:19:13Caleb Hammer?

  Yes.

• 1:19:13Speaker 03

  I mean, statistically, sure.

• 1:19:15Caleb Hammer?

  Statistical standpoint. And Chicago's barely even reporting their statistics. I don't want to hear it.

• 1:19:20Speaker 03

  And additional. You think San Antonio is too, and Austin, especially Austin, a liberal city, you think they're gonna say, oh, look at our crime rates.

• 1:19:25Caleb Hammer?

  But with the governor and how interjecting they get in our cities here, yes, a bit more.

• 1:19:31Speaker 03

  Governor, like, like the governor really matters. It's.

• 1:19:34Caleb Hammer?

  Absolutely. In a strong governor state like Texas and Florida, yes. Where the governor plays big roles in local politics, you bet.

• 1:19:40Speaker 03

  I don't know. It was more the AG, if anything. Like, they just raided the large cars.

• 1:19:44Caleb Hammer?

  You know who our AG is? He's like full.

• 1:19:46Speaker 03

  Yeah, and he's been overstepping his bounds, like the local authorities.

• 1:19:50Caleb Hammer?

  So you can't say it's not different than in Texas, than in Chicago.

• 1:19:53Speaker 03

  Is that the cities themselves also report things and they just, they're gonna hide what they wanna hide.

• 1:19:59Caleb Hammer?

  I don't give a.

• 1:20:00Speaker 03

  Statistics can be swayed one way or the other.

• 1:20:02Caleb Hammer?

  Collections that's been on your credit for two years, 472. I don't know what it's for.

• 1:20:06Speaker 03

  I don't either.

• 1:20:07Caleb Hammer?

  Oh, Capital One.

• 1:20:08Speaker 03

  Yeah, I haven't had Capital One in years. So what they didn't been doing is playing the game where they've been buying the debts or the debt collection and then they re-report it and then it's another seven years or whatever. I don't know. I haven't had a credit.

• 1:20:21Caleb Hammer?

  Credit one credit card. This went to collections officially. Oh, great. You're a fan. Four years.

• 1:20:28Speaker 03

  I mean, credit's credit. It don't really matter.

• 1:20:30Caleb Hammer?

  Three hundred ninety-three dollars. It's owed on.

• 1:20:32Speaker 03

  No, that's not that bad.

• 1:20:34Caleb Hammer?

  Oh, you had kickoff. Kickoff is actually good. It's looking.

• 1:20:37Speaker 03

  Oh, it is?

• 1:20:38Caleb Hammer?

  Can be. Wait, this isn't actually in collections. It's not. It's currently closed, not sold to collections yet. Oh, you're actually making pain until 24. Okay.

• 1:20:51Speaker 03

  I don't even know what that is, so.

• 1:20:52Caleb Hammer?

  If it's only forty five dollars, just pay this and it'll immediately boost your credit, but you don't care about your credit.

• 1:20:56Speaker 03

  No, I don't care about the credit.

• 1:20:57Caleb Hammer?

  But that's kind of a part of renting places too.

• 1:20:59Speaker 03

  Paying back rent, that's our paying back debt. That's all it is.

• 1:21:02Caleb Hammer?

  Doesn't matter if they use it to actually do things like get you access to a car loan, which you might need at some point or in an apartment. Yeah, cash, but you're just be getting multi thousand dollar clunkers, which eventually you're getting to the point, we're getting to the point where it's hard to get a cash car now and people's positions like you. Well, because pretty much the only non shitty car starts at ten thousand minimum, which good luck saving up ten.

• 1:21:23Speaker 03

  Not if you know where to look. See, that's where they have a resale. Where do you look? Auctions every day, especially government auctions that if you have access to like I do, you can find good cars for like a couple thousand.

• 1:21:33Caleb Hammer?

  Cars last. What are you driving now?

• 1:21:35Speaker 03

  A scooter.

• 1:21:36Caleb Hammer?

  Exactly.

• 1:21:38Caleb Hammer?

  Yeah, trust him.

• 1:21:39Speaker 03

  A pedal like a razor scooter motorized, not like an actual, not like a realist. No, no, no, no. I'm talking about like not a roadworthy scooter, like on the sidewalk. Yeah.

• 1:21:50Caleb Hammer?

  No one feels bad for you. Your life sucks.

• 1:21:52Speaker 03

  I don't feel bad for myself either, but I might as well be honest, maybe help somebody out there.

• 1:21:58Caleb Hammer?

  San Antonio.

• 1:22:00Speaker 03

  Well, it's either that or an Uber, so.

• 1:22:03Caleb Hammer?

  I guess.

• 1:22:04Speaker 03

  That expensive, actually.

• 1:22:05Caleb Hammer?

  We are technically reimbursing you.

• 1:22:07Speaker 03

  It's like actually like a hundred twenty buck Uber there or the bus ride is only.

• 1:22:10Caleb Hammer?

  Compared to like gas, that's pretty brutal.

• 1:22:13Speaker 03

  It's not that bad, but like the bus is only like twenty bucks, so.

• 1:22:17Caleb Hammer?

  That's better.

• 1:22:17Speaker 03

  Surprising. Yeah, it's not.

• 1:22:19Caleb Hammer?

  Okay, how long has it been since you had a car?

• 1:22:22Speaker 03

  About three years.

• 1:22:22Caleb Hammer?

  Speaking of which, repossession, ten thousand dollars, still owed on that.

• 1:22:27Speaker 03

  Yeah.

• 1:22:27Caleb Hammer?

  That's probably gone to collections.

• 1:22:28Speaker 03

  It might be over time or whatever. I don't know. Well, yeah, technically it's all my credit, but you know.

• 1:22:35Caleb Hammer?

  Well, maybe. I don't know. Yeah, tell us. So, so, well, how close are you to downtown?

• 1:22:41Speaker 03

  Downtown San Antonio. Actually, technically I live just outside San Antonio, so.

• 1:22:47Caleb Hammer?

  So what the you get around on a scooter to into that highway infrastructure?

• 1:22:51Speaker 03

  That's it.

• 1:22:52Caleb Hammer?

  The job that you're about to lose. So where are you going after that?

• 1:22:55Speaker 03

  I just Uber if I need to.

• 1:22:57Caleb Hammer?

  And when you tell your mommy got fired from Walmart, what is she gonna think?

• 1:23:00Speaker 03

  She probably saw you coming and I need to make money elsewhere and keep doing what I've been doing and hustling. Like last night I went to the arcade and I played some games. I won some prizes.

• 1:23:11Caleb Hammer?

  If you're listening, mother of this Jerome man, I don't know if 42 year old is too late for an abortion, but give it your best try. Cause this is just.

• 1:23:20Speaker 03

  Luckily she agrees with me that abortion is wrong, no matter the circumstances. So.

• 1:23:25Caleb Hammer?

  Except it is right in every instance when it involves you.

• 1:23:29Speaker 03

  No, still wrong.

• 1:23:30Caleb Hammer?

  You need to not be here in Minecraft.

• 1:23:33Speaker 03

  She may, may agree with castration or something, but not abortion.

• 1:23:36Caleb Hammer?

  She's definitely castrate you. You don't have any kids, right?

• 1:23:39Speaker 03

  Uh, I thought I did, but.

• 1:23:41Caleb Hammer?

  Well, what do you mean?

• 1:23:42Speaker 03

  I, so.

• 1:23:44Caleb Hammer?

  What does that mean?

• 1:23:46Speaker 03

  When I came down here to San Antonio and I met that lady, we hooked up, she got pregnant and I was gonna be a dad, gonna be responsible, but uh, she thought I was cheating on her, slapped me, threw a drink in my face in front of my family at bowling. And uh, so I decided to break up with her. We weren't together. I was there for the birth. My insurance called me and said, uh, we're not covering the child and the bills and stuff because you didn't sign the birth certificate. I had no idea what I was doing. Didn't know that was a thing. So I took her to the magistrate to get child support done and give visitation rights and all that, do the whole nine yards. And my insurance said, we need you to either get your name on the birth certificate or have a test. I know like, and

• 1:24:31Speaker 03

  uh, I got a test and found out it wasn't my kid. And it was some illegals from friend from Mexico. And she just thought I'd be a better suit for the kid because I had a job and everything.

• 1:24:42Caleb Hammer?

  Why do you have court fees? $2,500.

• 1:24:45Speaker 03

  My DUI. Every year you owe.

• 1:24:47Caleb Hammer?

  Why aren't you paying on that?

• 1:24:48Speaker 03

  Oh, I am. That's.

• 1:24:49Caleb Hammer?

  That's minimum?

• 1:24:50Speaker 03

  No, that I pay.

• 1:24:51Caleb Hammer?

  Is it minimum?

• 1:24:52Speaker 03

  Like $90 a month about.

• 1:24:53Caleb Hammer?

  Okay, there we go. We finally got a minimum monthly payment.

• 1:24:56Speaker 03

  To see this, you have to pay. I'm not going to prison for something stupid.

• 1:24:59Caleb Hammer?

  I hope you do.

• 1:25:00Speaker 03

  Yeah. No, it's.

• 1:25:01Caleb Hammer?

  Oh, and somehow the, your family's literally, because they've lent you $25,000 over the year.

• 1:25:08Speaker 03

  Over time, yes, yes.

• 1:25:09Caleb Hammer?

  That's crazy. Oh, bail you out of jail. That's $10,000 and I sort of 15K for old credit cards.

• 1:25:14Speaker 03

  And a car, yeah.

• 1:25:15Caleb Hammer?

  This is insane. Why would they trust you as someone to lend to? Give me your phone.

• 1:25:20Speaker 03

  The, which one? No, I'm just kidding. I used to have another phone, but I got rid of it.

• 1:25:29Speaker 03

  It was for business purposes. That was when I was selling stuff online.

• 1:25:34Caleb Hammer?

  Doesn't have a Tinder. How do you meet people?

• 1:25:38Speaker 03

  Facebook.

• 1:25:38Caleb Hammer?

  Facebook dating, of course.

• 1:25:41Speaker 03

  Yeah.

• 1:25:42Caleb Hammer?

  Crazy.

• 1:25:43Speaker 03

  Oh, it's a lot better than all the other apps, man. You can't, you can't go with any other app, really.

• 1:25:48Caleb Hammer?

  Facebook dating is better? Is that where you get all the photos?

• 1:25:51Speaker 03

  But, oh yeah, it's, I'm telling you, it's not as hard as people think. Men need to understand that depending on what you're looking for, you can find a woman. It's not that hard. Just know what you're looking for and go for it. Don't be afraid to take a chance and do something.

• 1:26:07Caleb Hammer?

  What are you talking about right now?

• 1:26:09Speaker 03

  No, I'm just, the men that need a little bit of oomph and help, don't be scared, do it. Send that DM.

• 1:26:17Speaker 03

  Just do it in a good way. Don't, don't send a, you know, dick pic or nothing.

• 1:26:21Caleb Hammer?

  Huh? What are you talking to me right now?

• 1:26:23Speaker 03

  No, I'm talking to the lonely men out there.

• 1:26:26Caleb Hammer?

  Oh my goodness. Yeah, listen to this guy. He'll save you.

• 1:26:29Speaker 03

  Well.

• 1:26:31Caleb Hammer?

  Okay, talking to your friend about, that's good.

• 1:26:34Speaker 03

  Shit.

• 1:26:35Caleb Hammer?

  You were talking to, and it's about.

• 1:26:38Speaker 03

  Oh, okay. I don't know which one the is, but.

• 1:26:42Caleb Hammer?

  Just going through the, the messages. What the?

• 1:26:47Speaker 03

  Oh, that's my most current ex.

• 1:26:51Caleb Hammer?

  Well, you're currently messaging.

• 1:26:52Speaker 03

  Yeah, well, kind of. We went to a movie last week or so and we have our diff, I don't know, that's.

• 1:27:03Speaker 03

  Oh, that's an old. Pokemon.

• 1:27:07Caleb Hammer?

  Oh, she's almost, oh, well, yeah, no.

• 1:27:09Speaker 03

  We used to.

• 1:27:11Caleb Hammer?

  You said, "Happy Birthday Sexy." She never responded. She hasn't responded to a single thing.

• 1:27:14Speaker 03

  I haven't seen her like five, six years.

• 1:27:15Caleb Hammer?

  You are a sex addict. This is women.

• 1:27:17Speaker 03

  Yeah.

• 1:27:17Caleb Hammer?

  Oh, you're, okay.

• 1:27:18Speaker 03

  There's no reason, there's no reason to talk to men on Instagram. That's kind of stupid.

• 1:27:22Caleb Hammer?

  I feel like, okay, maybe accusations are true, like coming to messages, sending without any responses.

• 1:27:27Speaker 03

  Well, that's.

• 1:27:28Caleb Hammer?

  Including, including, by the way, photos that have disappeared that you've sent to them.

• 1:27:32Speaker 03

  I didn't even know you could do disappear photos.

• 1:27:34Caleb Hammer?

  You're sending these women, dude, you're just messaging, look, he just messages women and they barely respond. This is crazy. And he just sends photos out of nowhere. Who knows even what they are? This is crazy.

• 1:27:45Speaker 03

  Oh, I'm sure somewhere, the nasty side, but it depends on the circumstances.

• 1:27:49Caleb Hammer?

  I mean, sex is good. I mean, it's fine, but it's just like, it's crazy.

• 1:27:52Speaker 03

  Well, okay, here's the thing too, is that.

• 1:27:56Speaker 03

  Don't goon or don't do anything unless it's a real woman. Lay down the

• 1:28:00Caleb Hammer?

  Here he is. Lay down the. Here he is asking for this woman's Venmo for nudes.

• 1:28:06Speaker 03

  No, that was a I would never pay. I know she's she's she uh

• 1:28:11Caleb Hammer?

  Okay, give me a few moments to clean up and I'll download it lol. Oh yeah, that's just a joke?

• 1:28:16Speaker 03

  Yeah, I never.

• 1:28:17Caleb Hammer?

  Venmo to Venmo.

• 1:28:18Speaker 03

  Even my ex, the most current one that you said, whatever she um uh she's sent me like an apple request for a hundred dollars and

• 1:28:27Caleb Hammer?

  This is a mess. This is a mess.

• 1:28:33Speaker 03

  Trust me, it was it's worse back then. I've gotten better in the last few months. I was trying to clean up, but

• 1:28:38Caleb Hammer?

  I don't care if you're goon, just make sure it's consensual goon.

• 1:28:41Speaker 03

  Oh, yeah, yeah.

• 1:28:42Caleb Hammer?

  A lot of women uh right now online are like terminal online victims crybabies where they think you rub up against them weird. They just got faulted, but it's like you. I don't understand.

• 1:28:53Speaker 03

  Women, so here's a here's what got into my head and what makes it worse is that

• 1:28:57Caleb Hammer?

  Here's another conversation with about his Here's uh about a conversation with about his

• 1:29:04Speaker 03

  Oh, she's very religious. You can't

• 1:29:06Caleb Hammer?

  Uh huh. Here's a conversation with about his

• 1:29:11Caleb Hammer?

  I don't know, but you've talked to a lot of people about

• 1:29:13Speaker 03

  Oh.

• 1:29:15Caleb Hammer?

  It's a bit interesting.

• 1:29:16Speaker 03

  And there's a

• 1:29:18Caleb Hammer?

  So multiple women about you being accused of since twenty two. Okay, one was July sixteenth, two thousand twenty four about you being October nineteenth, two thousand twenty five about you being May nineteenth of this year about you being

• 1:29:33Speaker 03

  Yeah, it doesn't help that uh

• 1:29:34Caleb Hammer?

  That you keep No, it doesn't.

• 1:29:36Speaker 03

  That I a serial data I've been with over probably a hundred people and

• 1:29:40Caleb Hammer?

  Okay, yeah, congratulations, hundred people. Yeah, you stick it in. It's not hard to stick it in.

• 1:29:44Speaker 03

  Well, it has to be actually, but you know about that.

• 1:29:50Caleb Hammer?

  You suck.

• 1:29:52Speaker 03

  Actually.

• 1:29:53Caleb Hammer?

  You owe a lot because you're past due on your student loans.

• 1:29:56Speaker 03

  Oh, well, that's, you know.

• 1:29:58Caleb Hammer?

  Oh.

• 1:29:59Speaker 03

  They'll, they'll get that too eventually.

• 1:30:00Caleb Hammer?

  Yeah, no, they'll garnish your wages for that shit.

• 1:30:02Speaker 03

  Yeah, they can.

• 1:30:03Caleb Hammer?

  Once they figure that, that you have a wage and then it's almost gone and then.

• 1:30:07Speaker 03

  Well, that's another reason to work is so.

• 1:30:08Caleb Hammer?

  No, it's another reason of you being a taker and not a giver. What's your normal student loan monthly payment?

• 1:30:14Speaker 03

  Zero.

• 1:30:15Caleb Hammer?

  No, you have a regular payment amount of two twenty seven.

• 1:30:18Speaker 03

  Just came out deferment or something.

• 1:30:19Caleb Hammer?

  Twenty seven nine.

• 1:30:20Speaker 03

  Is that, wait, is that it?

• 1:30:21Caleb Hammer?

  Yes, two hundred twenty seven dollars and you're behind by three months because it just started. Dude, you suck.

• 1:30:26Speaker 03

  Maybe that I should, you know, start paying.

• 1:30:30Speaker 03

  And I didn't get.

• 1:30:31Caleb Hammer?

  Fourteen thousand, seven hundred forty nine dollars and twenty three cents. What degree did you not get?

• 1:30:36Speaker 03

  Yes, business.

• 1:30:39Speaker 03

  It taught me a lot.

• 1:30:41Caleb Hammer?

  One pay.

• 1:30:42Speaker 03

  Uh, that's just.

• 1:30:43Caleb Hammer?

  Builder card.

• 1:30:44Speaker 03

  That's, yeah, that's just my Walmart pay card or whatever and, uh, they make it easy to

• 1:30:54Speaker 03

  do your pay and get advanced if you need it.

• 1:30:57Caleb Hammer?

  Yeah, all you're getting is Walmart, except none of it is groceries because it's like energy drinks, four ten, three fifty five, four twelve, four forty seven, eight forty eight. You're just getting bullshit at Walmart.

• 1:31:06Speaker 03

  Yeah.

• 1:31:06Caleb Hammer?

  Yeah, pack your lunch. Pathetic. I, I, I know I'm not going to be able to convince you. You're such a worm.

• 1:31:12Speaker 03

  I will eventually.

• 1:31:12Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit.

• 1:31:18Speaker 00

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• 1:31:42Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Subway, Subway.

• 1:31:51Speaker 03

  That's inside, that's inside Walmart.

• 1:31:53Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, McDonald's.

• 1:31:56Speaker 03

  Okay, that's just across the street though, so.

• 1:31:59Caleb Hammer?

  Bullshit, bullshit.

• 1:32:01Caleb Hammer?

  Eh, whatnot, whatnot, whatnot, whatnot.

• 1:32:04Speaker 03

  Okay, that's.

• 1:32:04Caleb Hammer?

  Cards?

• 1:32:05Speaker 03

  Mostly yes, but you know.

• 1:32:07Caleb Hammer?

  Or child.

• 1:32:08Speaker 03

  When you, uh.

• 1:32:09Caleb Hammer?

  What's exodus.com, pathetic worm?

• 1:32:11Speaker 03

  Exodus, what?

• 1:32:12Caleb Hammer?

  Exodus!

• 1:32:13Speaker 03

  What's, oh, well, that's my crypto from casino stuff.

• 1:32:15Caleb Hammer?

  Oh.

• 1:32:17Speaker 03

  Gotta use it to gamble.

• 1:32:18Caleb Hammer?

  Donald's.

• 1:32:20Caleb Hammer?

  A lot of bullshit.

• 1:32:21Speaker 03

  You gotta move money around when it comes to gambling with crypto, so gotta use Exodus.

• 1:32:29Speaker 03

  I mean, that's part of my job, well, hustle, not necessarily job, but.

• 1:32:33Caleb Hammer?

  Can we please bring in Tyler?

• 1:32:35Speaker 03

  That's a lot of, uh, that's more paper than I thought. I just downloaded and didn't even look. What the?

• 1:32:39Caleb Hammer?

  Ah, your savings has gone down. No surprise. Well, it's Fargo. Oh, great. Bullshit, bullshit, bullshit. Amazon, Prime, Amazon, Sam's, pull up your Venmo, Sam's, Amazon.

• 1:32:49Speaker 03

  Oh, Venmo, yeah, there's nothing on.

• 1:32:50Caleb Hammer?

  Bullshit, Chick-fil-A, McDonald's, McDonald's, bullshit, Appleville, eBay, McDonald's. Buzzbed, Buzzbed, bullshit, bullshit, Subway, bullshit, Smart, Action, Chick-fil-A, Bill Miller BBQ, Appleville, Sladskis, Buzzbed, Lyft, ride, Uber, Uber, Walmart, makes sense.

• 1:33:09Speaker 03

  I don't even know where my Venmo is.

• 1:33:11Caleb Hammer?

  I'm so, so excited to call your boss. You have no idea. You have your direct, your boss's phone number, right?

• 1:33:19Speaker 03

  Yeah, one of them, yeah.

• 1:33:20Caleb Hammer?

  Good. We're calling him in the post-show. Alright, here's the absolute.

• 1:33:24Speaker 03

  That's insensitive right there. What the?

• 1:33:26Caleb Hammer?

  Come on over Tyler, we're gonna close the show with your worst nightmare, a black man. The thing is, I, I hate you. You're a bad person. You're also pathetic and you're a horrible excuse of a man and I hope no one looks up to you. You're a bad person. I'm not making you a budget. You can go fuck yourself. I don't give a shit. You're a pathetic, disgusting creature that barely deserves to be on this earth in Minecraft. But here's Tyler.

• 1:33:49Speaker 03

  Hey Minecraft.

• 1:33:49Caleb Hammer?

  Do you want to apologize? I want to give you the opportunity for the couple of minutes we have left before we go to the post-show and call your boss and ruin your life even more.

• 1:33:56Speaker 03

  I, I want to apologize that you were hurt by something that was said.

• 1:34:05Speaker 03

  Alright, I will apologize for using the word if it meant something to you more than what.

• 1:34:10Speaker 04

  Just say, just say you apologize for using the word in general. Stop being a.

• 1:34:13Speaker 03

  I can't say that.

• 1:34:14Speaker 04

  You're really, you're really, I hope you know that, but you really are.

• 1:34:18Speaker 03

  Would be a, you're apologizing.

• 1:34:20Speaker 04

  You're a hoe ass nigga. That's what the fuck you is. That's, that's what the fuck you are. You're, you're a bitch. You're a pussy. You're realistically pussy. But like, it's all good. It's all good. I appreciate you. Cause you're just gonna be who you are. And when you go outside and get your ass knocked the fuck out, that's fine.

• 1:34:35Speaker 04

  You can laugh all you want to. That shit, it's not a joke. You a pussy.

• 1:34:38Caleb Hammer?

  It's not a joke. And I do have a question. Why are you getting like $10, $16, $10, $32? What drugs are you selling from these, to these people on Venmo? You're getting paid a lot.

• 1:34:47Speaker 03

  Yeah, cuz fuckers need to eat. You gotta, you gotta feed them, man. You gotta take care of your people.

• 1:35:00Speaker 03

  Now.

• 1:35:03Speaker 03

  We're not going down.

• 1:35:04Caleb Hammer?

  Tyler, I want you to kick his ass because he deserves it. I just don't want you to get hurt.

• 1:35:08Speaker 03

  Nah, he, he's a softie, man.

• 1:35:09Speaker 04

  I'm not gonna get hurt.

• 1:35:10Caleb Hammer?

  I don't think you'd get hurt either.

• 1:35:10Speaker 04

  Who the fuck is a softie?

• 1:35:11Speaker 03

  You are.

• 1:35:12Speaker 04

  Who the fuck is a softie? You wanna find out?

• 1:35:13Speaker 03

  You, you, you wanna find out? You could beat me in arm wrestle, but, man, I'm scrappy as hell.

• 1:35:17Speaker 04

  Oh, you wanna find out? We can find out.

• 1:35:19Speaker 03

  Yeah, well.

• 1:35:19Speaker 04

  Give me full permission, we can find the fuck.

• 1:35:21Speaker 03

  Set up a ring.

• 1:35:21Caleb Hammer?

  I don't care. I just don't want you to get sued.

• 1:35:23Speaker 03

  Nah, he wouldn't, if I consent.

• 1:35:25Speaker 04

  We can find the fuck out. If you wanna see, we can. I'll knock your old ass out. You really wanna get beat the fuck up? If you really wanna get beat the fuck up, let's do it.

• 1:35:32Speaker 03

  I just got my insurance.

• 1:35:33Speaker 04

  Let's go, let's go outside.

• 1:35:34Speaker 03

  The first.

• 1:35:34Speaker 04

  No, no, don't be scared. Don't be pussy now. Let's go outside. I'll fuck you up.

• 1:35:38Caleb Hammer?

  Tyler, don't give into the stereotypes. You're not all violent.

• 1:35:40Speaker 03

  No, he, he's actually.

• 1:35:42Speaker 04

  I'm deadass.

• 1:35:42Speaker 03

  As a matter of fact, the stereotype was even worse for him because he seems like a soft.

• 1:35:46Caleb Hammer?

  You don't get to joke. We're friends, we joke.

• 1:35:50Speaker 03

  I'm, I'm not, that's not a joke. It seems a little soft.

• 1:35:52Speaker 04

  You're pussy. Okay, let's go.

• 1:35:54Speaker 03

  No, no, no.

• 1:35:55Speaker 04

  Let's do it. Let's run it. Let's run it.

• 1:35:57Speaker 03

  You seem.

• 1:35:57Speaker 04

  Let, let's do mutual combat so nobody gets sued. I'll shake her hand and then beat the fuck out you. If, if that's really what you want, let's do it.

• 1:36:03Speaker 03

  No, I.

• 1:36:04Speaker 04

  I'm so deadass. Let's do it.

• 1:36:05Speaker 03

  I would too.

• 1:36:06Speaker 04

  Let's go outside so I can beat your ass. You think I'm pussy? You think I'm soft?

• 1:36:09Speaker 03

  No, I did not say that. I said that.

• 1:36:10Speaker 04

  You think I'm soft?

• 1:36:11Speaker 03

  I said that.

• 1:36:11Speaker 04

  You think I'm soft? I'm not soft. I will beat the fuck out you if you really wanna do that. If you really wanna do that.

• 1:36:16Speaker 03

  Soft in the sense.

• 1:36:16Speaker 04

  Tell me you wanna fight me. Tell me you wanna fight me so we can do it.

• 1:36:19Speaker 03

  Soft in the sense that.

• 1:36:20Speaker 04

  Watch.

• 1:36:21Speaker 03

  You.

• 1:36:22Speaker 04

  You backpedaling now?

• 1:36:22Caleb Hammer?

  Howard!

• 1:36:23Speaker 04

  You're backpedaling now?

• 1:36:24Speaker 03

  In the sense that.

• 1:36:25Speaker 04

  So you don't wanna fight?

• 1:36:26Speaker 03

  Oh, I will. I'll scrap.

• 1:36:27Speaker 04

  You'll fight? Let's do it.

• 1:36:28Speaker 03

  I will scrap.

• 1:36:29Speaker 04

  Let's do it.

• 1:36:29Speaker 03

  Well, actually, actually, take that back. Take that back. I just realized. I normally would.

• 1:36:33Caleb Hammer?

  Howard!

• 1:36:35Speaker 03

  I have to, I am because of one thing. It violates my probation. That's the only reason why. That is the only, I just thought about that. I could get in trouble. Even if it's consensual, I would still get in trouble. Otherwise, I will give you the date that I can and I will, I will come.

• 1:36:52Caleb Hammer?

  Well, stay tuned.

• 1:36:53Speaker 03

  I forgot about that.

• 1:36:55Caleb Hammer?

  In the moment he is off probation, a black man will beat his ass and for the first time on black on white crime, it'll be justified.

• 1:37:04Speaker 03

  No, and then he's gonna, he's gonna take, I have to take away his black card when he loses.

• 1:37:09Caleb Hammer?

  I'm making a joke here.

• 1:37:10Speaker 03

  No, it's not a joke. I don't take the black card.

• 1:37:12Speaker 04

  No, no, set this up, set this up, set this up when he's off of probation.

• 1:37:15Speaker 03

  No, even, even if I'm not, no, even if I, what I'll do, what I'll do, even if I'm off, on probation, I will ask my probation officer if there's a contract we can do and we can make it happen.

• 1:37:26Caleb Hammer?

  Call him.

• 1:37:26Speaker 03

  I will.

• 1:37:26Caleb Hammer?

  No, call him.

• 1:37:28Speaker 03

  Great for post show.

• 1:37:29Caleb Hammer?

  Okay, we'll do that in the post show and I'm also gonna call his boss first and get him fired.

• 1:37:32Speaker 03

  I was trying to avoid that one.

• 1:37:33Caleb Hammer?

  Nope, we're doing that one. You're, and I don't give a shit. I really don't. Your life is ruined and I don't care. Guys, join Hammer Elite, join us for this post show. You know it's gonna be a good one. I'm sorry that it wasn't the most productive episode, but he's a piece of shit and men don't listen to him. Men do not listen to him. Do not be like him. Be better. You are better. We are better. Please, guys, please do not be a failure at 32. Join Hammer Elite, click the join button to join it on YouTube or you can watch it on our very own app at hammerelite.com or by downloading Hammer Elite. Um, love you guys. Thanks for being at like 110,000 members. You guys are awesome. Yeah, you're gonna get shot and you deserve it. See you in the post show. I wanted to report your employee. Your employee will be on camera in front of millions of people saying the full N-word.

• 1:38:15Caleb Hammer?

  He's also been accused of [BLEEP] multiple times and today him not being at work, he lied about being sick.

• 1:38:21Speaker 01

  Okay, this guy.

• 1:38:22Caleb Hammer?

  This is the worst guest we've ever had on. I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise.

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• 1:39:04Speaker 00

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