He Assaulted Me | Financial Audit

In this post show, I bring in his best friend who came down with him, and we go into *EVERYTHING* - his friend has tried to help him, but he won't do sh*t... It's so frustrating. Watch here: ➡️ https://bit.ly/chpostshow 💸 Download DollarWise today: https://bit.ly/dollarwiseapp 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer Want more content? ============================= 🍿Caleb Hammer LIVE: / @calebhammerlive 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups ============================= *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

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

• 1:02Speaker 03

  I need your help daddy.

• 1:03Caleb Hammer?

  What is wrong with you?

• 1:05Speaker 03

  I'm gay.

• 1:05Caleb Hammer?

  You think you're fun, you think you're silly, you think you're cute. Shut the [BEEP] up.

• 1:09Speaker 03

  Daddy chill.

• 1:10Caleb Hammer?

  What the hell is even that? Colton told me you've been spending a [BEEP] ton on wicked merch.

• 1:15Speaker 03

  Guilty as charged.

• 1:16Caleb Hammer?

  The income's wrong, the spending's wrong, the scams are wrong, the debt is wrong, your behavior's wrong.

• 1:21Speaker 03

  I don't [BEEP] know Caleb, I told you, I don't look at that [BEEP].

• 1:24Caleb Hammer?

  You're a horrible excuse for a man.

• 1:26Speaker 03

  It's hot when you say that to me.

• 1:27Caleb Hammer?

  [BEEP] off with that bullshit!

• 1:29Speaker 03

  Alright, alright.

• 1:31Caleb Hammer?

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• 1:52Speaker 03

  Hey, I'm Oliver. I'm 26 from Omaha, Nebraska, and this is Financial Audit.

• 1:58Caleb Hammer?

  You got the Galinda wand.

• 2:00Speaker 03

  I have the Galinda wand, yes, the bubble wands.

• 2:02Caleb Hammer?

  Okay, I'm excited for Wicked Part Two to come out.

• 2:06Speaker 03

  You are? You're a Wicked fan?

• 2:07Caleb Hammer?

  Well, I like musicals.

• 2:08Speaker 03

  Good.

• 2:08Caleb Hammer?

  It's gayer than bottoming, but I like musicals.

• 2:11Speaker 03

  Well, I don't know if anything's gayer than bottoming, Caleb.

• 2:14Caleb Hammer?

  Liking musicals. And I fully embrace it and support it and love it.

• 2:20Speaker 03

  I only brought this because this was not a good purchase and...

• 2:24Caleb Hammer?

  Oh, so you wanted to demonstrate?

• 2:25Speaker 03

  Yeah.

• 2:26Caleb Hammer?

  Your misbehavior?

• 2:27Speaker 03

  Yes.

• 2:27Caleb Hammer?

  Well, thanks for coming on from Omaha. I'm sure Omaha, Nebraska doesn't like your kind.

• 2:32Speaker 03

  What do you mean, my kind? The gays? The Latinos?

• 2:36Caleb Hammer?

  No, the gays. Latinos don't like them either. But thanks for coming down to Austin. Austin loves the gays.

• 2:43Speaker 03

  There is a gay bar.

• 2:45Caleb Hammer?

  They're surrounding me.

• 2:46Speaker 03

  There's some good gay bars down there.

• 2:47Caleb Hammer?

  Down where? Omaha? Omaha's below Austin?

• 2:50Speaker 03

  It's not. I meant up there, but...

• 2:52Caleb Hammer?

  You're just always thinking of bottoming.

• 2:53Speaker 03

  Maybe.

• 2:54Caleb Hammer?

  Always wanting to be on the bottom. What's going through your mind?

• 2:57Speaker 03

  Especially when I'm across a handsome man like you.

• 2:59Caleb Hammer?

  Okay, let's, let's, let's, listen. I don't have time to jack off.

• 3:06Speaker 03

  I hear you call it something else now.

• 3:08Caleb Hammer?

  What do you do?

• 3:08Speaker 03

  Gooning? Is that what it is?

• 3:11Caleb Hammer?

  What do you do in Omaha for a living?

• 3:13Speaker 03

  I work in payroll.

• 3:17Speaker 03

  For a company that does, um, like, technology. Like a tech company for businesses. So we're like a self-service company.

• 3:28Caleb Hammer?

  Yes, Oliver, payroll. Very good.

• 3:29Speaker 03

  Yes.

• 3:30Caleb Hammer?

  And what do you make in payroll?

• 3:31Speaker 03

  It's a new job.

• 3:32Caleb Hammer?

  Because you pay yourself, you process your own pay. What do you make? You should know more than anyone in the history of the show how much Oliver makes.

• 3:40Speaker 03

  Well, that's, yeah, okay. Well, I make nineteen fifty now an hour, so that's like forty...

• 3:45Caleb Hammer?

  I don't, I don't even, honestly, Omaha, Nebraska, I know it exists. I can't even...

• 3:50Caleb Hammer?

  Can I point to Nebraska? Shit, I'm usually actually pretty damn good at maps. I don't think I could point to Omaha, Nebraska. I certainly don't know.

• 3:57Speaker 03

  Do you know?

• 3:58Caleb Hammer?

  We're not doing a test, but I'm just like the cost of living there. Honestly, I really do try to lock in different regions, understand the cost of living so I can have those conversations better. Better. I cannot think of Omaha, Nebraska. How does 19, what, what did you say?

• 4:12Speaker 03

  1950.

• 4:13Caleb Hammer?

  How does 1950 stretch there? Are you getting 40 hours a week?

• 4:15Speaker 03

  Yes.

• 4:16Caleb Hammer?

  Okay. What, what does that hit per paycheck and what's that?

• 4:19Speaker 03

  So it's about like 17,000 gross and then I get like 1,200.

• 4:24Caleb Hammer?

  10,000 gross?

• 4:25Speaker 03

  I mean 1,700, not 17,000.

• 4:28Caleb Hammer?

  Per paycheck every other week, I'm assuming.

• 4:29Speaker 03

  Yes, sir.

• 4:30Caleb Hammer?

  Oh, gross. What's net?

• 4:32Speaker 03

  1,200. So there's like $500 of taxes getting taken out.

• 4:37Caleb Hammer?

  And I appreciate your flirting, even if it's not my preferred thing.

• 4:42Speaker 03

  What do you mean?

• 4:43Caleb Hammer?

  I'm not into men. You sure about that? You sure about that? You sure about that? But also, I think you came with your boyfriend. I saw him earlier.

• 4:52Speaker 03

  That is my lesbian friend.

• 4:57Speaker 03

  And she's a huge fan, so she's gonna be really mad that you think she's a, well, I don't know.

• 5:00Caleb Hammer?

  I will apologize afterwards.

• 5:02Speaker 03

  She.

• 5:05Speaker 03

  Wow. Oh, boy, Caleb.

• 5:08Caleb Hammer?

  I just didn't want you to do any unintentional.

• 5:10Speaker 03

  No, I'm, I'm single, ready to mingle, came down to Austin. You're here, Brandon's here, Colton's over there.

• 5:18Caleb Hammer?

  Okay, Colton's actually gay. And we love that for Colton.

• 5:22Speaker 03

  Colton and I have been vibing, so.

• 5:24Caleb Hammer?

  Yeah.

• 5:24Speaker 03

  We've been.

• 5:25Caleb Hammer?

  No, we love it.

• 5:26Speaker 03

  We've been, we've been pals.

• 5:27Caleb Hammer?

  Colton literally just got engaged, not married, engaged.

• 5:30Speaker 03

  Well, congratulations, Colton.

• 5:31Caleb Hammer?

  So you gotta stop trying to take, first of all, I'm taken. Colton's taken. I'm also not gay. Colton is very gay. And Brandon? Brandon already has AIDS, so you, like, I just, I want you to be very careful where you're stepping around here.

• 5:47Speaker 03

  Okay, I appreciate that.

• 5:48Caleb Hammer?

  And unfortunately, there's a fourth man in this room right now named Wes who

• 5:52Speaker 03

  He's a cutie too.

• 5:53Caleb Hammer?

  Really left out of the flirtation.

• 5:55Speaker 03

  Actually, my friend knew him and said hello to him when he was setting up. And he, no, my friend who you thought was a guy.

• 6:02Caleb Hammer?

  Oh, the Les?

• 6:03Speaker 03

  Yes, the Les. She like saw Wes like getting set up in here and she was like, oh my God, that's Wes. And he was like, oh my God, I've only been in like two videos.

• 6:10Caleb Hammer?

  Okay, so 2,400, how does that stretch? In Omaha, Nebraska, I'm sure not as stretched as your hole, but.

• 6:19Caleb Hammer?

  How, how, how are you doing?

• 6:21Speaker 03

  Um, well, I'm struggling and that's just like me. So it-

• 6:27Caleb Hammer?

  Why are you struggling?

• 6:28Speaker 03

  Because I can't say no. And I can't-

• 6:32Caleb Hammer?

  To what?

• 6:32Speaker 03

  To-

• 6:34Caleb Hammer?

  To-

• 6:35Speaker 03

  To like anybody. Like, I've been scammed-

• 6:38Caleb Hammer?

  To what?

• 6:39Speaker 03

  I've been scammed several times, Caleb.

• 6:42Caleb Hammer?

  Okay, that's going in a different direction than your kind of, making that sound like scam victim?

• 6:50Speaker 03

  Well, yeah, but I don't want to come out here and be like, I'm the victim.

• 6:53Caleb Hammer?

  What's your little scam?

• 6:53Speaker 03

  Which one? There's several.

• 6:55Caleb Hammer?

  Go down the [BLEEP] thing. If that's why you're here, what is your-

• 6:58Speaker 03

  Okay, yeah, there's other reasons why I'm here. Cause, uh, first one, this is like, first one's a sugar daddy scam. Off the app. Yeah, yeah, yeah.

• 7:07Caleb Hammer?

  Were you the daddy or the baby?

• 7:09Speaker 03

  No, I'm the baby. Look at me. I'm the baby.

• 7:11Caleb Hammer?

  Well, you never lost a baby fat, but-

• 7:16Speaker 03

  Some guys like it.

• 7:17Caleb Hammer?

  Absolutely. Dude, I'm [BLEEP]. I'm thick as a [BLEEP] trunk. People are all about it. Yeah.

• 7:24Speaker 03

  Yeah, you are.

• 7:25Caleb Hammer?

  Alright.

• 7:27Speaker 03

  So the sugar daddy one happened like two, three years ago and there was a-

• 7:31Caleb Hammer?

  How did you meet Mr. Daddy?

• 7:32Speaker 03

  Off the app.

• 7:34Caleb Hammer?

  There was a sugar daddy app?

• 7:35Speaker 03

  No. Grinder.

• 7:38Caleb Hammer?

  Oh, Grinder.

• 7:38Speaker 03

  The app.

• 7:39Caleb Hammer?

  We love the Grinder stock.

• 7:40Speaker 03

  So-

• 7:41Caleb Hammer?

  Nothing but to the moon on that. Cause gays just can't stop [BLEEP] and you know, I love that. And that, that, you know, makes me, that makes me regret that I never went, you know, full gay, full bi, cause the selection, the selection off of apps like that. Listen, in Bumble, it handles quite easy. Instagram is a good play, but I don't think anything will beat Grinder. And unfortunately, we just don't get that. If you want to see what happens in the straight dating world?

• 8:07Speaker 03

  I don't.

• 8:08Caleb Hammer?

  Look at Match Group, look at, uh, Bumble, all those stocks are in the tank. Look at Dixon Butthole Grinder, that stock is going to the moon.

• 8:16Speaker 03

  Yeah, cause men are horny [BLEEP].

• 8:18Caleb Hammer?

  Exactly. So if there was a straight Grinder, that would be the best performing stock in the history of the world.

• 8:24Speaker 03

  Well, Caleb, there's plenty of straight guys on Grinder as well, too. Plenty of DL.

• 8:29Caleb Hammer?

  But you fell for a scam on Grinder?

• 8:31Speaker 03

  I, I did.

• 8:32Caleb Hammer?

  Via Grinder or someone else was on there?

• 8:36Speaker 03

  No, like it was a Grinder account and- Okay, the only reason I fell for it was because I had just gotten back from Las Vegas.

• 8:44Caleb Hammer?

  I'm confused how because you went to Vegas, you fell for a Grindr scam when you landed in Omaha.

• 8:49Speaker 03

  So I got back in town and I had like-

• 8:52Caleb Hammer?

  With the five other gays?

• 8:54Speaker 03

  I actually went with a friend who I'm no longer friends with anymore, which we'll get to later.

• 8:57Caleb Hammer?

  I know a few things about Grindr and I know it shows-

• 8:59Speaker 03

  What do you know about Grindr?

• 9:00Caleb Hammer?

  Well, I know it shows distance.

• 9:01Speaker 03

  Yeah, it does.

• 9:02Caleb Hammer?

  How many people are within five miles-

• 9:04Speaker 03

  It doesn't always show distance. So you can like toggle if it shows it or not. So this account didn't have the distance on it.

• 9:10Caleb Hammer?

  Oh, and that's not a red flag?

• 9:11Speaker 03

  It was a red flag. I see-

• 9:13Caleb Hammer?

  A red flag that you fell for a scam?

• 9:14Speaker 03

  Yes, I saw the red flags and I said, "Hmm, let's still go through it." Cause I wanted it to be real, you know, like-

• 9:21Caleb Hammer?

  The scam, what was the scam? Tell me, okay, what did you fall for that [BLEEP] you?

• 9:26Speaker 03

  This is so embarrassing.

• 9:27Caleb Hammer?

  By the way, I would suggest it's more your behavior than falling for scams.

• 9:30Speaker 03

  It is.

• 9:30Caleb Hammer?

  But I'm gonna go down, I'm gonna allow you to go down this rabbit hole so I can learn you a bit more, but keep going.

• 9:35Speaker 03

  So, he, this like account messaged me, right? And he's just, they, they're all fake and they just always like message someone, they're like, "Hey, I'm looking for like a baby, like a sugar baby." Like, all you have to do is like-

• 9:46Caleb Hammer?

  Oh, I was gonna say, cause the other, yeah, you can't make a baby.

• 9:49Speaker 03

  No. So they're, they're like, "Just message me whenever, like, just keep me company, like, I'm just a hardworking man or whatever, and like, I just need like, company." And then, he was like, "I'll pay you, like, I'll give you this like money to deposit into your checking account."

• 10:05Caleb Hammer?

  For what? To keep it, and then, did you see pictures of this person?

• 10:09Speaker 03

  Yeah, he sent me pictures, but they were like-

• 10:11Caleb Hammer?

  Was he just trying to [BLEEP] her?

• 10:13Speaker 03

  No, like he-

• 10:13Caleb Hammer?

  Cause it's kinda prostitution-ish a little.

• 10:15Speaker 03

  Well, I mean, a little, but-

• 10:16Caleb Hammer?

  Which I'm okay with if people are consensually doing it, uh, but honestly, he probably just wanted to breed.

• 10:21Speaker 03

  He wasn't real. Like, like, he probably was like someone in like [BLEEP] like New York or like Israel or some [BLEEP] shit. And he-

• 10:29Caleb Hammer?

  So, he didn't even want the bussy?

• 10:32Speaker 03

  No, he didn't.

• 10:33Caleb Hammer?

  Just wanted to scam?

• 10:34Speaker 03

  I just wanted the money, right? Like, I just wanted the money from him, that's it. And he just was like, "Just message me whenever and then I'll send you this money and you just deposit it and go about your day." And that's what I did. And then I, he like-

• 10:46Caleb Hammer?

  Did you get scammed?

• 10:46Speaker 03

  He emailed me these checks, okay, from a company. That was not-

• 10:50Caleb Hammer?

  Okay.

• 10:50Speaker 03

  That was not like the company that he told me he worked for, like, did or whatever, right?

• 10:54Caleb Hammer?

  I don't really know about email checks. I've never been emailed a check.

• 10:57Speaker 03

  He emailed me like a PDF of a check. Like, that's just what he did.

• 11:01Caleb Hammer?

  Are you-

• 11:02Speaker 03

  Yeah.

• 11:04Speaker 03

  Yeah.

• 11:05Caleb Hammer?

  Who's ever been emailed a check?

• 11:08Speaker 03

  Me.

• 11:10Caleb Hammer?

  And how many checks were you emailed from this?

• 11:13Speaker 03

  It's probably like two or three. And I deposited them. And then my bank account, my bank, my bank was like, hey, these are fraudulent. And it like bounced back. So then my bank account went like negative like $5,000.

• 11:29Caleb Hammer?

  You redeemed? Never redeem.

• 11:31Speaker 03

  I, yeah, I redeemed it, which I should not have done. Obviously.

• 11:35Caleb Hammer?

  How much was it?

• 11:37Speaker 03

  Like five grand. So then like my entire checking account, I know.

• 11:40Caleb Hammer?

  Dude, you're an idiot for that. That's not even getting scammed.

• 11:43Speaker 03

  I am.

• 11:44Caleb Hammer?

  Boomer. Yes, you technically got scammed, but you almost deserved it for being that dumb. Digital checks?

• 11:49Speaker 03

  Yeah.

• 11:50Caleb Hammer?

  What is wrong with you?

• 11:52Speaker 03

  I wanted the money, Caleb. I was like, I didn't have any other money.

• 11:55Caleb Hammer?

  Obviously, but listen, if this person lived in Omaha, that's where I was like, mm, digital checks, that's a little weird. Hey, huh, how about maybe drop off a check or how about you Venmo me or here's my Cash App, here's my Zelle? Literally anything that exists in our civilized civilization.

• 12:10Speaker 03

  Yeah.

• 12:13Speaker 03

  I just didn't think it through at all.

• 12:19Speaker 03

  Cause I wanted it to be real. I was like,

• 12:21Caleb Hammer?

  I know.

• 12:22Speaker 03

  Like, you know, I'm like, all these other people.

• 12:24Caleb Hammer?

  But you said there's other scams? What are these other scams you're falling for? Which by the way, your misleading is bullshit is approximately 25% of your income that was spent last month. So fuck you. It's not just getting scammed. You're destroying your entire life. But I will allow you to continue to go down the hole of ridiculousness. What's your other scam?

• 12:39Speaker 03

  Other scam is an Instagram scam.

• 12:45Caleb Hammer?

  It's all DMs online.

• 12:46Speaker 03

  It kind of is.

• 12:46Caleb Hammer?

  You're falling for DMs.

• 12:47Speaker 04

  You trying to slide in the DMs? You trying to slide? Pardon?

• 12:51Speaker 03

  I'm a desperate gay, I guess.

• 12:53Caleb Hammer?

  A desperate because you're not getting any?

• 12:56Speaker 03

  Yeah, not as much as I want.

• 12:57Caleb Hammer?

  Well, it is.

• 12:58Speaker 03

  Anyway, that's not the point. The point is-

• 12:59Caleb Hammer?

  No, no, there is a, there is a reality that if, uh, if you are on, again, I have a little Grindr knowledge. I like to do my research, you know, I'm an educated individual.

• 13:09Speaker 03

  We need to explore this a little more. I need to know like what your experience is here with men.

• 13:15Speaker 05

  Have a good Christmas?

• 13:15Speaker 06

  Yes.

• 13:16Speaker 05

  Do you like movies?

• 13:17Speaker 06

  Yeah.

• 13:17Speaker 05

  Have you been with a man?

• 13:18Speaker 06

  Yeah. No, what? No!

• 13:20Speaker 03

  You talk like you've been on Grindr before.

• 13:22Caleb Hammer?

  No, I just find things very funny. But once I go through and all the, the not, the lore, we know the lore. If you're black on Grindr, you get blocked immediately. I'm getting a head nod from Colton.

• 13:35Speaker 03

  This is-

• 13:35Caleb Hammer?

  And it's usually no blacks, no fatties.

• 13:39Caleb Hammer?

  You qualify in the fatty. So that's why you're not getting laid on Grindr. It's the, like, this is Grindr lore.

• 13:45Speaker 03

  It's probably for the better, honestly.

• 13:47Caleb Hammer?

  Well, yes, it probably is. You definitely... Come on, you don't need to be taking raw dick 24 hours a day, but-

• 13:54Speaker 03

  It's fun. But you're right.

• 13:56Caleb Hammer?

  No blacks, no fatties. I'm not supporting this. I am not...

• 14:04Caleb Hammer?

  boosting that up, but that is kind of what is, that app is known for.

• 14:08Speaker 03

  Yeah, it's very shallow.

• 14:11Caleb Hammer?

  The gays do not like non-abb'd. And the gays do-

• 14:14Speaker 03

  Yeah, I don't-

• 14:16Caleb Hammer?

  You know, and the gays do not like not white.

• 14:21Speaker 03

  Well, I'm-

• 14:22Caleb Hammer?

  On their hookups. You're white passing.

• 14:24Speaker 03

  I am white passing, but I am Latino. But still.

• 14:28Caleb Hammer?

  So I'm sorry for that. So, but that's why you're falling for these scams.

• 14:31Speaker 03

  Anyway, this-

• 14:32Caleb Hammer?

  That's why you're falling for these scams. You get a DM, you get excited, you're like, "Ooh, I can feel my asshole buzzing."

• 14:38Speaker 03

  Pretty much.

• 14:40Caleb Hammer?

  Okay.

• 14:40Speaker 03

  This like-

• 14:41Caleb Hammer?

  So, who-

• 14:41Speaker 03

  Like bodybuilder, like workout guy, like messaged me and-

• 14:44Caleb Hammer?

  See.

• 14:45Speaker 03

  Like, literally, right? Like, he had, like, a girlfriend or something, probably, and was just like- Asking if I wanted to like make money really, really fast.

• 14:53Caleb Hammer?

  Why would, when you read that and you're not a moron, how would you read that and think that might be?

• 15:00Speaker 03

  The dumb idiotic gay that I'm like, oh my god, this-

• 15:02Caleb Hammer?

  The dumb idiotic gay, that's not a thing.

• 15:04Speaker 03

  This hot man just messaged me wanting to help me.

• 15:06Caleb Hammer?

  In fact, gay men tend to be some of the better off people in this country financially. So this is a- Yes, exactly. So, oh, the dumb gay me? No, you can't fall back on that. You're not a lesbian. The gay men are doing very well.

• 15:21Speaker 03

  They are, and I wish-

• 15:23Caleb Hammer?

  So, good luck falling back on that stereotype. So what? They promised a lot of money quickly for what? For why? How much?

• 15:28Speaker 03

  Like, it's like one of those, like, investing things. Like, you invest like $500 and you get like five grand out in like a day or two. Yes.

• 15:36Caleb Hammer?

  Oh, no, I've never even heard of this. You can't just say, "One of those investing things." I've never heard of this. What is this, one of those investing things?

• 15:41Speaker 03

  It was like a trading thing.

• 15:42Caleb Hammer?

  Is this an Omaha type thing? What trading thing? What are you talking about, a trading thing?

• 15:45Speaker 03

  It was like an online, like, trading platform or something. I have no idea. I know, I know.

• 15:49Caleb Hammer?

  But how do you put the money in without even selecting the trade that you're getting that return on investment? It sounds like a quick day trade, but what the?

• 15:55Speaker 03

  I honestly don't remember how I sent him the money now that I'm thinking about it. Cause it was like a website that I had to like sign up for and like make an account. And then I probably just like wired money over from my checking account into it.

• 16:06Caleb Hammer?

  You don't even know the site. You don't even remember the site.

• 16:08Speaker 03

  It's like, okay, another red flag that I just like walked right past by is like-

• 16:14Caleb Hammer?

  Dude, you're too desperate for that dick.

• 16:16Speaker 03

  I really am. I, I am. Um, the website was like giant FX, but it was like misspelled. So it was like Gates FX or some shit like that. Guys, I know, I know, I know.

• 16:30Caleb Hammer?

  What is wrong with you? Again, again, listen, if you were robbed outside of your house, I'd be like, yeah, that sucks. You fell for the two dumbest possible things ever. I almost can't feel sympathy.

• 16:44Speaker 03

  I know.

• 16:44Caleb Hammer?

  I do feel a little, but the two, it's, it's, it's smaller than normal for a typical scam.

• 16:49Speaker 03

  There is no sympathy there.

• 16:50Caleb Hammer?

  You're not a boomer who got scammed about like what their kid's AI voice saying, "I need bail money" or something.

• 16:55Speaker 03

  I feel like I am like a boomer who's like on Facebook and sees something and is like, "Oh my god, that's so true."

• 17:00Caleb Hammer?

  How much? And you lost 500?

• 17:01Speaker 03

  So, yeah, I probably put in about like 500, $800. And then it like, apparently like went to like 16 grand, right? And then I tried to like withdraw that money because I want 16 grand. And it didn't, they like, they just wouldn't let me withdraw for some reason. There was like something where I had to like pay more, right? I don't, it was, it was a scam, so.

• 17:29Speaker 03

  Just, I lost all that money and I tried to like get it back. I tried to like, like fight these people and like email them back and forth and they just like would not like give me my money. So then I just.

• 17:38Caleb Hammer?

  From gainsfx.com.

• 17:41Speaker 03

  Yeah.

• 17:41Caleb Hammer?

  They didn't want to give you their money back, your money.

• 17:43Speaker 03

  Correct.

• 17:44Caleb Hammer?

  That's interesting.

• 17:45Speaker 03

  Yeah.

• 17:46Caleb Hammer?

  Is there more?

• 17:47Speaker 03

  Yeah.

• 17:48Caleb Hammer?

  Okay.

• 17:49Speaker 03

  Okay, well, actually, this one's not that bad, Caleb.

• 17:51Caleb Hammer?

  Okay.

• 17:51Speaker 03

  This one's not that bad because I didn't lose any money out of it, but I did like go past a lot of red flags again.

• 18:00Caleb Hammer?

  Which is making me really concerned because if we make a budget and we address the spending and you get on it, but you fall for a scam, you ruin the entire thing.

• 18:06Speaker 03

  Exactly.

• 18:07Caleb Hammer?

  This is very concerning.

• 18:09Speaker 03

  So.

• 18:09Caleb Hammer?

  And again, this isn't you got scammed at a victim, this is you're a [BLEEP] falling for [BLEEP] scams.

• 18:14Speaker 03

  That's why I need your help.

• 18:16Caleb Hammer?

  Dude, literally. There's not much I can, no, no, no, there is not much I can do to say, don't go to gainsfx.com and give them unlimited money. Or a faceless, distantless profile asking you to redeem something.

• 18:29Speaker 03

  And so I'm just DoorDash-ing one evening and I get this order. And as soon as I get this order, I get a call from DoorDash, like it says DoorDash on the thing. And it's some guy and he's like, hey, this order that you just got, like he knew the order, he knew the name. He was like, this order was like accidentally placed, so we're gonna have you cancel the order.

• 18:47Caleb Hammer?

  Oh my gosh.

• 18:47Speaker 03

  And then we're gonna like reimburse you for like your lost time or like wasted time. And I was like, okay. And he like, he had like my phone number and like my email, so he like made me verify that. So that's why I was kind of like, this guy sounds like he's from DoorDash, it says DoorDash, he verified my information. But then on how he was gonna like reimburse me was.

• 19:12Speaker 03

  The other thing is, he was like, he like, had my bank account information, or he was like, asking me for it, and of course, me being the [BLEEP] I was, I was confirming everything and telling him what was in there. And so then he asked me to move all my money from my bank account to like, my Apple Cash Card. And then-

• 19:32Caleb Hammer?

  Dude, what the [BLEEP]? You are just insane.

• 19:34Speaker 03

  I am. And then, he gave me like a [BLEEP] card to-

• 19:37Caleb Hammer?

  Pause. Pause.

• 19:39Speaker 03

  I'm sorry, I just burped.

• 19:40Caleb Hammer?

  Can we bring in the lesbian real quick?

• 19:42Speaker 03

  You wanna bring her in already?

• 19:44Caleb Hammer?

  Pause. Come on in.

• 19:47Caleb Hammer?

  Hello? Oh, you're a woman. Here, can you lean in real quick? Genuine question. Is your friend a [BLEEP]?

• 19:56Speaker 07

  Immediate thinking is yes.

• 19:59Caleb Hammer?

  Exactly, that's what I thought. Thank you for your service. We'll see you in the post-show.

• 20:02Speaker 03

  So she's a very reliable source.

• 20:03Caleb Hammer?

  We'll see you in the post-show. Thank you, and good luck on vaginas.

• 20:07Speaker 03

  So we have confirmation that I am-

• 20:10Caleb Hammer?

  Yes.

• 20:10Speaker 03

  I am not the brightest bulb in the batch.

• 20:12Caleb Hammer?

  Yes.

• 20:14Speaker 03

  So, okay, so he asked me to move all my money from my checking account to like, my Apple Cash Card.

• 20:19Caleb Hammer?

  I don't need the rest. I get it. You fall for scams.

• 20:22Speaker 03

  Are you sure you don't want the rest?

• 20:22Caleb Hammer?

  No, I don't. I want the [BLEEP] start. I get it, you're into scams. You get into scams, and that is a deep concern.

• 20:30Speaker 03

  I need your help, daddy. Please? I see you help all these other people.

• 20:36Caleb Hammer?

  You know, it's interesting.

• 20:37Speaker 03

  Some of them.

• 20:38Caleb Hammer?

  What's weird is we have a little triangle. We have a little triangle here.

• 20:41Speaker 03

  Oh?

• 20:43Speaker 03

  Triangle of what?

• 20:43Caleb Hammer?

  To a certain extent. Well, you find me attractive.

• 20:47Speaker 03

  I do.

• 20:47Caleb Hammer?

  I'm not into that, and that's okay. But, but I, I almost for a second kinda found her attractive. Think a little, just on the edgy side, on the edgy side.

• 20:57Speaker 03

  I need my friend, Alex.

• 20:58Caleb Hammer?

  But she's not into me.

• 21:00Speaker 03

  No.

• 21:01Caleb Hammer?

  And- And so.

• 21:04Speaker 03

  You thought she was a boy?

• 21:05Caleb Hammer?

  From a far distance away. Once I saw her in person, I was like, oh, that's a woman with the boobs.

• 21:10Speaker 03

  She used to have really, really long hair.

• 21:11Caleb Hammer?

  Oh, that's okay. We're not defending it. I'm just saying, we have an interesting triangle.

• 21:15Speaker 03

  She's gonna like that you found her attractive.

• 21:17Caleb Hammer?

  I'll tell her myself. I don't give a. Okay. Okay.

• 21:21Speaker 03

  She might go straight for you.

• 21:22Caleb Hammer?

  Stop.

• 21:22Speaker 03

  So like in 23, I went to Las Vegas in September to see Drake perform.

• 21:27Caleb Hammer?

  Two years ago. Okay.

• 21:28Speaker 03

  Yeah, that was, that was a while back and I was, I went with a friend of mine.

• 21:32Caleb Hammer?

  Why is that important?

• 21:32Speaker 03

  Why is what important?

• 21:33Caleb Hammer?

  Why is that important to this conversation?

• 21:35Speaker 03

  Because I went on this trip with this friend who I'm no longer friends with, which I'll get to as well.

• 21:39Caleb Hammer?

  Oh, well, I don't know if I care, but okay.

• 21:40Speaker 03

  You will.

• 21:42Caleb Hammer?

  Does it involve your money?

• 21:44Speaker 03

  Yeah, kinda.

• 21:47Speaker 03

  Anyway, I went on this trip with her to Las Vegas where I had to go see Drake.

• 21:50Caleb Hammer?

  Is that where all this shit started? Is that what you're trying to say?

• 21:53Speaker 03

  Pretty much.

• 21:54Caleb Hammer?

  Okay, then, okay.

• 21:55Speaker 03

  Because I told you, I spent my entire paycheck there in Las Vegas.

• 21:59Caleb Hammer?

  Well, that's one month, two years ago.

• 22:01Speaker 03

  Yeah. And that sparked the sugar daddy thing, which put me $5,000 in debt.

• 22:06Caleb Hammer?

  Okay, so you didn't have money, so you looked for the Insta. Now it makes sense. You didn't have money because you spent all month's income.

• 22:13Speaker 03

  I think the Instagram one was before I went to Las Vegas and then I went to Las Vegas. Yes, I have always been stupid. And then this guy's like, I'll give you money. Just like message me. And I'm like, okay.

• 22:24Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, YRefi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-sign a release program so your mom and dad can step off the hook. YRefi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress.

• 23:09Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. YRefi wants to help you climb.

• 23:22Speaker 00

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• 23:52Caleb Hammer?

  Motto debt, not push you further into it. Check them out at yrefy.com/hammer. That is y r e f y dot com slash hammer or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. Break free from the high interest trap and get your finances under control once and for all. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time.

• 24:37Caleb Hammer?

  Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. Scam or not scammed, the debt you have is obviously horrendous, but even without it, I don't know if 2,400 is something that we can live with in Omaha. Nebraska sure is a hole, but Omaha on the border of Nebraska and Iowa. I don't know if, I don't know how livable long-term that is. I mean, we're talking net a year, right? 28,000.

• 25:06Speaker 03

  This is a new job as well, too. Like I just started this in like September.

• 25:09Caleb Hammer?

  I mean, I think that becomes the issue now.

• 25:11Speaker 03

  I mean.

• 25:13Caleb Hammer?

  Get everything else under control and you can't make, you can't make a life on that.

• 25:18Speaker 03

  Okay.

• 25:19Caleb Hammer?

  Everything's wrong.

• 25:20Speaker 04

  Everything's computer.

• 25:22Caleb Hammer?

  The income's wrong, the spending's wrong, the scams are wrong, the debt is wrong, your behavior's wrong. Everything's wrong. There's not one thing looking up.

• 25:31Speaker 03

  Yeah.

• 25:32Caleb Hammer?

  It's a fix across the board that's required.

• 25:34Speaker 03

  That's where.

• 25:34Caleb Hammer?

  But there is no point of changing one thing if nothing else changes around it. If you change your spending without changing the income, you're, if you change the income without changing the spending, you're, if you change both of those without changing, getting scammed, you're. Not falling into scams, not even getting scammed, falling into scams. If I'm being very clear, how much debt do you have? What's your debt number?

• 25:54Speaker 03

  Let's say like 30,000.

• 25:55Caleb Hammer?

  Let's say, you wouldn't know, by the way, about 40,000. So off by a fourth, that's horrendous. What a percentage to be off. Why are you, how do you not know how much debt you have? That's unacceptable.

• 26:04Speaker 03

  Cause I try not to think about it.

• 26:06Caleb Hammer?

  Try not to think about it, why? You're coming on the show.

• 26:07Speaker 03

  Stresses me out.

• 26:09Caleb Hammer?

  Would it not stress you out to have it continue to go up? Instead of actually tackling it for the first time?

• 26:14Speaker 03

  But like.

• 26:14Caleb Hammer?

  It's a delay stress.

• 26:16Speaker 03

  Yeah, I'm more in like the instant gratification, which is why I bought the wand. Cause I like really.

• 26:21Caleb Hammer?

  How much was the f***ing wand?

• 26:22Speaker 03

  20 dollars.

• 26:23Caleb Hammer?

  Okay, is, okay, what are we talking about? I mean, 20 dollars, no, that's not great, but miscellaneous bullshit, you spent 700. So it's, you know, last month, so f*** off.

• 26:32Speaker 03

  I mean, yeah.

• 26:33Caleb Hammer?

  So f*** off. This doesn't make sense, dude. And I mean, Colton's saying that you just hate the idea of budgeting and you hate the idea of taxes too. Not that you're, you would, you're not even paying any f***ing taxes. You're one of the people, you're literally in the bottom 50% of earners in this country. Okay, that's fine, that's not a knock against you.

• 26:49Speaker 03

  Taxes.

• 26:50Caleb Hammer?

  Buddy, listen, if you're paying any taxes, it's consumerism taxes. Your income taxes after everything and then, uh, the standard deductions and everything, it's gonna be pennies. It's gonna be f***ing pennies on the dollar. You contribute to less, your group in this, I'm not, it's not dogging against you. You're in the bottom 50% of earners, you contribute less than 1% in income taxes in this country. That's fine, and that's fine, I'm not even bitching and moaning about it. But it's like, how are you complaining about taxes? You make 30,000 dollars a year. You're the one being subsidized in almost every way whatsoever. More so if you had kids, but, you know, don't get that for bottoming.

• 27:29Speaker 03

  No, thank God. Um.

• 27:32Caleb Hammer?

  So what are you complaining about taxes? What are you talking about?

• 27:36Speaker 03

  I don't like paying them.

• 27:37Caleb Hammer?

  But you barely do anything. I'm sure there's sales tax in Nebraska, maybe there's a slight income tax, but even with your, uh, uh, we don't even have a value added tax in this country on a federal level. What are you complaining about? How can you bitch and moan but not be willing to look to see what your numbers are to accurately bitch and moan about?

• 27:58Speaker 03

  Because.

• 28:00Caleb Hammer?

  How can you even pay rent on this if we're being honest?

• 28:02Speaker 03

  It's a little tricky.

• 28:04Caleb Hammer?

  What's your living situation?

• 28:05Speaker 03

  So I live with my sister.

• 28:07Caleb Hammer?

  With your sister?

• 28:08Speaker 03

  Yes, we moved in, we moved in together last year. So she's six years older than I am. And.

• 28:13Caleb Hammer?

  If I was her, I'd be nervous that you can't pay rent sometimes.

• 28:15Speaker 03

  She's a little nervous.

• 28:16Caleb Hammer?

  Yeah, no shit.

• 28:17Speaker 03

  I did, okay, when I wasn't employed, yes, like that makes sense. And I had help from.

• 28:23Caleb Hammer?

  Yeah, that's why you have an emergency fund for emergencies, but you've never had that because you spend money on the Lend ones.

• 28:28Speaker 03

  Yes, so.

• 28:32Speaker 03

  I was, uh, my parents were very kind, which I was.

• 28:35Caleb Hammer?

  Kind in which way? The unkind, kind, like enablement or kind like they told you to fuck off?

• 28:40Speaker 03

  Well, you'll probably think enablement because they gave me money and I.

• 28:43Caleb Hammer?

  Oh, for fuck's sake, when?

• 28:44Speaker 03

  Paid them back.

• 28:45Caleb Hammer?

  How much?

• 28:46Speaker 03

  Like this summer.

• 28:47Caleb Hammer?

  This summer?

• 28:49Speaker 03

  Well, yeah, I didn't have my job.

• 28:51Caleb Hammer?

  For one month, you said, how much?

• 28:52Speaker 03

  I was waiting for the high picks to come out. Uh, probably like 1,200, I would say.

• 29:00Caleb Hammer?

  One time or overall?

• 29:02Speaker 03

  Just one time.

• 29:03Caleb Hammer?

  Oh, dude. So how'd that conversation go down?

• 29:06Speaker 03

  I literally broke down to them.

• 29:09Caleb Hammer?

  Great, so you manipulated. You manipulated, they enabled. What a wonderful relationship we have here.

• 29:16Speaker 03

  Listen.

• 29:20Caleb Hammer?

  Open ears.

• 29:24Caleb Hammer?

  Open ears continue to exist.

• 29:26Speaker 03

  I'm just like any, any, when I think about saying this, it's just gonna sound like, you know, a victim thing, which I understand, so.

• 29:36Speaker 03

  Yeah, I quit my job and I was applying for a bunch of other jobs that I was very qualified for. And they just like were not getting back to me. So the job market was like very hard, especially in Omaha. So I just broke down to them because like my dad has worked at a company in Omaha for like 30 years.

• 29:53Caleb Hammer?

  Then why stay in Omaha? Take a lesbian with you, go somewhere with opportunity. Omaha is not a place that's at least nationally known for opportunity, maybe statewide, but. You have the ability to move anywhere and do anything. That's what's really awesome.

• 30:09Speaker 03

  I don't think I can though.

• 30:10Caleb Hammer?

  Why?

• 30:11Speaker 03

  Because I can't afford it.

• 30:13Caleb Hammer?

  No, but sometimes even like, it's not like I want you to go into a shit. First of all, you can do things on the cheap. Even when I moved here to Austin from Michigan, I sold almost everything, packed up my sedan, came down here, barely spent a dime. Okay. And slept on air matches for nine months while I was grinding to pay off debt. You can do things on the cheap. You don't need to go full booze wherever you go. And yes, places are more expensive. They have more opportunities. That's a hundred percent true. Live on the outskirts, live in a small thing, split a studio with the les. And then, you know, you sacrifice temporarily. And even if you have to go in a little bit of debt as a good return on investment to have wide more plethora of opportunities to make way more money and pay off your debt. It's kind of worth it.

• 30:55Caleb Hammer?

  By the way, you told Colton $2,000 for mom and dad. So you're kind of, I don't know if you don't remember or you're lying.

• 31:01Speaker 03

  Yes. More don't remember, I guess.

• 31:04Caleb Hammer?

  So you can go anywhere. That's it? Just the cost?

• 31:07Speaker 03

  No.

• 31:08Caleb Hammer?

  That's what makes you nervous?

• 31:09Speaker 03

  Well, that and like drop, like dropping into a new city, not knowing anybody and like.

• 31:13Caleb Hammer?

  Sounds fun.

• 31:13Speaker 03

  Hmm. It doesn't. It doesn't.

• 31:15Caleb Hammer?

  No, take the les with you. She wants to stay in Omaha.

• 31:18Speaker 03

  She has some family stuff going on as well too. There's like keeping her there right now. So.

• 31:21Caleb Hammer?

  Forced to keep or?

• 31:23Speaker 03

  Well, her parents are like pretty sick right now. So she's like the caretaker for both of her parents. It's this whole thing. I know. Um, I mean, I just never thought about moving to another city, I guess.

• 31:34Caleb Hammer?

  Really? You've never thought about opportunity elsewhere?

• 31:38Speaker 03

  No.

• 31:38Caleb Hammer?

  Usually, that's what the gays are usually born with, leaving their small midwestern town.

• 31:42Speaker 03

  I'm a funny gay because like I'm gay in some ways and other ways I'm like not gay at all.

• 31:48Caleb Hammer?

  But you are, I can't think of one thing that's not gay about you. Wicked, musicals, Galinda, bottoming, fat, femme, grinder.

• 31:58Speaker 03

  Daddy.

• 31:58Caleb Hammer?

  Daddy, sugar daddies, scam. You're very gay, very gay.

• 32:04Speaker 03

  Well, thank you.

• 32:04Caleb Hammer?

  Hyper gay.

• 32:08Caleb Hammer?

  Even though you broke up with your last ex for being too femme, which is odd, but okay.

• 32:14Speaker 03

  So my past exes are...

• 32:15Caleb Hammer?

  Gays are also the most homophobic too. It's really weird.

• 32:18Speaker 03

  It really is, and like-

• 32:19Caleb Hammer?

  You gays are creatures.

• 32:21Speaker 03

  Okay, my last ex was like, a new, like, I'd never dated anybody like that, like that femme. I like manly men like you and Brandon, like-

• 32:30Caleb Hammer?

  I hardly even describe myself as like a ultra like-

• 32:33Speaker 03

  Well, you don't look gay, right? Like, if I just see you, like, you don't like, look gay right off the bat.

• 32:38Caleb Hammer?

  Is that an insult or a compliment? I don't even know.

• 32:40Speaker 03

  Whatever you want it to be, I guess, like, I don't-

• 32:42Caleb Hammer?

  I just look like a dude, I don't know, a little thick.

• 32:44Speaker 03

  You look like a dude, you're thick-

• 32:46Caleb Hammer?

  Down 20, but-

• 32:46Speaker 03

  You're a thick, tall, dark, handsome man. How am I supposed to compare with Pearl's old boyfriend? Mr. Long, tan, and handsome.

• 32:53Caleb Hammer?

  All 5'9". Average American male, thank you.

• 32:55Speaker 03

  I'm 5'7", dude. You're taller than me. Kinda does, but then you gotta be a little spoon all the time, so that's nice, and-

• 33:02Caleb Hammer?

  Yeah, a little.

• 33:02Speaker 03

  You gotta like, you know, like, just a little-

• 33:06Caleb Hammer?

  He just literally rubbed my leg. That's never happened. And that was assault. From, that was assault.

• 33:11Speaker 03

  Okay, alright, alright.

• 33:12Caleb Hammer?

  If we, if I was one of those over-sensationalized freaks on the internet, I would claim you just raped me.

• 33:19Speaker 03

  Did you like it?

• 33:20Caleb Hammer?

  No! Which is why I literally pulled my legs away. I was actually relaxing and, uh, stretched out.

• 33:26Speaker 03

  Stretched out?

• 33:27Caleb Hammer?

  Uh, excuse me, can I, can I?

• 33:33Speaker 03

  Yeah, you can, you can.

• 33:36Caleb Hammer?

  Can I call an HR, please? You're a naughty, naughty boy.

• 33:39Speaker 03

  I'm very naughty.

• 33:39Caleb Hammer?

  Uh, welcome Valeria, everyone. She's in the post-show set with Oliver's other crush, Brandon, but, uh, Valeria, our head of people here at Hammer Media. Uh, am I able to make an HR complaint against the guest? Cause I don't know. The dude has just caressed my legs under the table-

• 33:56Speaker 03

  Ugh.

• 33:56Caleb Hammer?

  -without asking permission, or, and I've very clearly expressed no interest.

• 34:03Speaker 03

  Um- I don't know if it's that clear. Uh-huh.

• 34:07Caleb Hammer?

  I guess consent is flexible in the gay community.

• 34:10Speaker 03

  It's a gray area.

• 34:11Caleb Hammer?

  You can make a complaint, yes, because it's anybody that we work with, or- Are they technically work? Well, well, he's, he's in here on work premises, uh- Premises? You know, if, uh, you know, it, it's as broad as contractors, just anybody that we, you know, come and- He's not a contractor though. I know, I know, but anybody that, you know, we have some sort of- Relationship with that's coming into the office. Can I sue him for hundreds of thousands of dollars? Can you sue him for hu- hmm, no. What can I do? What can you do? Um, you can lodge a complaint and let's say if this continues,

• 34:55Caleb Hammer?

  if this continues, if we wanted to do some sort of follow up,

• 35:00Caleb Hammer?

  if he continues making you uncomfortable, we could ban him from the office. Oh, that's it? Hmm. There's no upside? This is why we needed to be in New York. I could have sued him. Is there an upside? Um, I guess if he came in again and, uh, continued to do this and, and maybe there was stalking outside the office and all. He seems to know a lot about me, by the way. Not to give him ideas. A lot about me.

• 35:31Speaker 03

  I watch the show.

• 35:32Caleb Hammer?

  I don't know the things I say. I don't know. If he turns up at your house, just take notes.

• 35:37Speaker 03

  I know what car you drive.

• 35:38Caleb Hammer?

  She's welcome to my house?

• 35:40Speaker 03

  Uh.

• 35:43Speaker 03

  I'm not.

• 35:43Caleb Hammer?

  No. No. You can drop her off.

• 35:46Speaker 03

  My lesbian friend.

• 35:49Caleb Hammer?

  Okay, so a complaint. Yeah, yeah, yeah. I think that's. Well, lodge a complaint. Very good. Okay. Thank you. Course of action here. W H R in chat. You never thought you'd hear that. Woo, H R. All right, let's jump into these finances, cause again, I'm skeptical of actually making a change to them because you're just gonna fall for another bottoming scam. I don't even know, but what do you think your financial score is zero to 10? Zero being the worst, 10 being the best.

• 36:12Speaker 03

  I have taken the quiz.

• 36:14Caleb Hammer?

  Calebhammer.com. We love that.

• 36:15Speaker 03

  1.3.

• 36:17Caleb Hammer?

  Okay.

• 36:18Speaker 03

  I say that proudly with my chest.

• 36:20Caleb Hammer?

  I know you're proud. Listen, take that quiz, Calebhammer.com. See where you stand in the world of finances. Where you're doing poorly, where you're doing great, what you need to do to fix your situation, get to a better place. Just takes a few minutes and it is free at Calebhammer.com. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. It's incredible, tens of thousands of subscribers for a reason with new features being added every single month to change your finances, take control finally, dollarwise.app. Take the free trial, see if you like it. And if you do, sign up for the annual version to save a lot of money. And when you do, I will personally sign my budget friendly cookbook and mail it directly to your door as a reward that only exists for another month or two. By the time this comes out, then it's gone forever.

• 37:00Speaker 03

  Yeah, where's the cookbook?

• 37:01Caleb Hammer?

  So here it is. And it's right to you. Alrighty.

• 37:07Caleb Hammer?

  What am I seeing? I see a discover card, but not like a normal statement, just like the activity list? I mean, I see a late fee out of the gate, but I don't even see the balance on here, dick? What's the balance, dick? Why don't you set a statement like we request?

• 37:24Speaker 03

  It's probably like 5,000.

• 37:26Caleb Hammer?

  Pull it up on your phone, you-

• 37:28Speaker 03

  I'd no longer have access to it on my-

• 37:31Caleb Hammer?

  Why? Huh? Why? You got scammed again?

• 37:33Speaker 03

  Maybe, maybe.

• 37:35Caleb Hammer?

  No, what happened?

• 37:36Speaker 03

  I, like, overdraw it, like, I'm, like, I'm max-

• 37:40Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 38:09Speaker 03

  It out, so-

• 38:11Caleb Hammer?

  But you can still log in to make a payment.

• 38:13Speaker 03

  Hmm, I can't.

• 38:15Caleb Hammer?

  Yes, you can. There's no way.

• 38:16Speaker 03

  I can't.

• 38:16Caleb Hammer?

  That's impossible. What are you talking about?

• 38:18Speaker 03

  I can't.

• 38:18Caleb Hammer?

  Is it in collections? Were you not paying on it?

• 38:20Speaker 03

  Maybe. I was not paying on it. Cause I didn't want to. Or cause I couldn't. Mostly cause I-

• 38:27Caleb Hammer?

  So, you think the balance is-

• 38:29Speaker 03

  Most, okay, this card-

• 38:30Caleb Hammer?

  You think the balance is-

• 38:32Speaker 03

  It's like 5,000.

• 38:33Caleb Hammer?

  5,000, what's the minimum monthly payment?

• 38:35Speaker 03

  Oh, god.

• 38:36Caleb Hammer?

  I mean, I see a late fee here and interest charging like crazy.

• 38:39Speaker 03

  Probably like 300, 400 dollars now at this point.

• 38:42Caleb Hammer?

  No, I know you're backed up. But, what is the normal minimum monthly payment on it? When we put it in your budget, I know you have to play catch up on it.

• 38:52Speaker 03

  The normal one was like 150.

• 38:55Speaker 03

  As a minimum but payment. This was like the first card, like the first credit card I ever got to like build my credit. But then I also bought merchandise with that, which I know you're very happy about.

• 39:07Caleb Hammer?

  Why?

• 39:08Speaker 03

  Because

• 39:09Caleb Hammer?

  It was his intention.

• 39:10Speaker 03

  Momentary gratification over the

• 39:14Speaker 03

  like

• 39:16Speaker 03

  you know

• 39:16Caleb Hammer?

  That racked all the way up to the five.

• 39:18Speaker 03

  Yeah, Diva, it did. It did. Time. Okay, I was living with my ex at the time. He was a bum. Okay, big bum. I opened

• 39:28Caleb Hammer?

  We're gonna blame it on someone else. Alright, let's go.

• 39:29Speaker 03

  Actually, you're right.

• 39:30Caleb Hammer?

  Is this the big femme?

• 39:31Speaker 03

  No, this is the one before.

• 39:33Caleb Hammer?

  Okay, big mask?

• 39:34Speaker 03

  Yeah, yeah, big mask.

• 39:36Caleb Hammer?

  Definitely not black.

• 39:36Speaker 03

  No, he's white.

• 39:38Caleb Hammer?

  Yeah.

• 39:38Speaker 03

  But we'll call him Doug.

• 39:39Caleb Hammer?

  Okay. Yeah, Doug, what did Doug do?

• 39:42Speaker 03

  Doug, um, didn't really do much. Like, he was, uh, working at a school and then wasn't and then was only working like a summer job.

• 39:54Caleb Hammer?

  Okay, why does this fuck you?

• 39:56Speaker 03

  Because

• 39:56Caleb Hammer?

  Boyfriend, not a husband, not a partner, not a

• 40:00Speaker 03

  And it like does come back to me where I couldn't like

• 40:02Caleb Hammer?

  Why?

• 40:02Speaker 03

  Put my foot down.

• 40:03Caleb Hammer?

  Listen, how long were you guys dating?

• 40:05Speaker 03

  Like two and a half years.

• 40:06Caleb Hammer?

  Okay.

• 40:08Speaker 03

  And we, we lived together. Like I had moved in with him.

• 40:10Caleb Hammer?

  What are you complaining about? What happened?

• 40:11Speaker 03

  Because we were like legit, like broke, like down to like paycheck after paycheck is like

• 40:16Caleb Hammer?

  Okay, well, that sounds like it involves you too.

• 40:18Speaker 03

  It does. And I, yeah, again, like I, it just sounds like I'm gonna blame him, but like, we just

• 40:24Caleb Hammer?

  Yeah.

• 40:25Speaker 03

  We just ate all the time. We like never like cooked indoors that much or like

• 40:29Caleb Hammer?

  I can tell.

• 40:29Speaker 03

  You know, and I just took the card out and we would just go out to the bars as well in Omaha and get drunk.

• 40:37Caleb Hammer?

  The bars in Omaha?

• 40:39Speaker 03

  Yeah. They have those here in Austin, right?

• 40:41Caleb Hammer?

  How many are, are there enough to choose from to really?

• 40:44Speaker 03

  There's a, there's a good handful.

• 40:45Caleb Hammer?

  Applebee's? They have a bar.

• 40:47Speaker 03

  That is true. I don't

• 40:48Caleb Hammer?

  Okay.

• 40:49Speaker 03

  Okay.

• 40:49Caleb Hammer?

  Very good.

• 40:51Speaker 03

  I don't have a good like grasp on my finances, clearly. Um, and I was mostly just like

• 40:58Speaker 03

  Trying to escape like my like home life at my parents' house. And that's kind of like why I moved in with him. Cause I moved in with him.

• 41:04Caleb Hammer?

  I don't have a problem with the move in. It's your behavior all throughout in there. And then now you're just blaming it on him. So you can't blame him for you moving in.

• 41:12Speaker 03

  I'm not gonna blame him. I'll blame me because I definitely like moved out and was like, oh yeah. Yeah, I'm on my own. I can do whatever the fuck I want. I can stay out. I can eat whatever I want.

• 41:20Caleb Hammer?

  How long was this going on?

• 41:21Speaker 03

  I mean, it's still going on, Caleb, if we're being serious.

• 41:23Caleb Hammer?

  Yes, obviously, we are. But you're blaming on him.

• 41:26Speaker 03

  I was, but no, I'm not. But yeah.

• 41:31Caleb Hammer?

  And then what is this with this Galinda shit? Like.

• 41:35Speaker 03

  Did you see Wicked?

• 41:35Caleb Hammer?

  You're spending a shit ton.

• 41:37Speaker 03

  Did you see Wicked? Like, have you seen it?

• 41:39Caleb Hammer?

  I literally said at the beginning of this conversation, I liked it.

• 41:41Speaker 03

  Okay, so what do you not get about it? Like, did you see Ariana Grande? Did you hear her singing?

• 41:45Caleb Hammer?

  Were you willing to let me finish my sentence?

• 41:47Speaker 03

  Yeah, go ahead. I'll let you finish whenever.

• 41:51Speaker 03

  Wherever, too.

• 41:54Caleb Hammer?

  You asked Colton on the phone call if I have a nice ass?

• 41:57Speaker 03

  I did.

• 41:58Caleb Hammer?

  This is weird.

• 41:59Speaker 03

  Cause you're always sitting. You're always sitting.

• 42:00Caleb Hammer?

  I have an incre- uh, yeah, yes, yeah, I'm.

• 42:02Speaker 03

  See it now?

• 42:03Caleb Hammer?

  I'm thicked up. No.

• 42:04Speaker 03

  Why not?

• 42:05Caleb Hammer?

  Why would I ever show you any part of my body?

• 42:08Speaker 03

  You already showed me your belly when you stretched.

• 42:10Caleb Hammer?

  It wasn't an intentional show.

• 42:13Speaker 03

  Well.

• 42:16Speaker 03

  I saw it.

• 42:16Caleb Hammer?

  Yes, also it's on my Instagram. You're right. That is true. I, I'm caked up.

• 42:19Speaker 03

  Do I follow you on Instagram? I don't know. No.

• 42:22Caleb Hammer?

  I would not know.

• 42:23Speaker 03

  Anyway.

• 42:23Caleb Hammer?

  Either way.

• 42:24Speaker 03

  I did ask him if your butt is cute. Cause I do like, I mean, who doesn't like a butt?

• 42:28Caleb Hammer?

  What did he say?

• 42:30Speaker 03

  What did he say?

• 42:32Caleb Hammer?

  What'd you say?

• 42:32Speaker 03

  I think he said, yeah. Yeah, that's what he said.

• 42:35Caleb Hammer?

  The correct answer is yes.

• 42:37Speaker 03

  Well, I know that.

• 42:38Caleb Hammer?

  But. No, you don't.

• 42:42Speaker 03

  Yes, he said he's taken, like you said earlier.

• 42:44Caleb Hammer?

  Oh my gosh, I'm surrounded. Okay. Okay, it's fine. Just stop! Listen, can I have this conversation?

• 42:52Caleb Hammer?

  Colton told me you've been spending a shit ton on Wicked merch.

• 42:55Speaker 03

  Yeah. Guilty as charged.

• 42:58Caleb Hammer?

  And you're mad you had to travel last night because of a Wicked TV special? So we're going into debt? Like, your lesbian friend told Colton that you've spent thousands, thousands on Wicked alone.

• 43:10Speaker 03

  Yeah.

• 43:10Caleb Hammer?

  Thousands on Wicked alone. That is insane.

• 43:12Speaker 03

  I didn't think it was that much.

• 43:13Caleb Hammer?

  All while literally, listen, I have another late fee on this next card coming up. You're not paying your minimum to payments that are honestly. Yeah, they're, they're, they're chunky, but thousands on Wicked while you're only making $2,400 a month, struggling to pay our rent, making our sister potentially have to foot the bill, making our parents 100%

• 43:31Speaker 03

  She's not fronting the bill.

• 43:32Caleb Hammer?

  Yeah, but she's nervous about it. And you're blowing all that money on Wicked instead of making your minimum monthly payments? Wicked journal, wicked blanket, wicked cat toys, wicked insanity.

• 43:46Caleb Hammer?

  Wicked insanity.

• 43:47Speaker 03

  The Funko Pops, there's a jacket, there's a mirror I got that like lights up, that has like Emerald City on the back. I have-

• 43:57Caleb Hammer?

  But you're almost like proud of this. You're talking like you're proud. This is disgusting. While your parents are paying your rent, you're not making your monthly payments. Why is this considered, considered acceptable in any way whatsoever?

• 44:07Speaker 03

  Because I thought I needed it and it would make me feel better.

• 44:10Caleb Hammer?

  Need? Listen, I understand when people think they like need to go out because, oh, mental health, okay, oh, I need food. Listen, it's still stupid and I'll argue against it, but what, how can you define this as a need?

• 44:20Speaker 03

  It's an emotional support wand. What do you mean? I, I hold it and I feel like Glinda and I feel like,

• 44:28Speaker 03

  like a good witch, you know?

• 44:30Caleb Hammer?

  Are you eight? When I held a stick, I thought I was like a Jedi. That was exciting.

• 44:37Speaker 03

  Is that Star Wars?

• 44:38Caleb Hammer?

  Yes.

• 44:40Speaker 03

  Cool.

• 44:41Caleb Hammer?

  You're a 26-year-old man.

• 44:44Speaker 03

  You don't need to put the quotation marks.

• 44:46Caleb Hammer?

  I know, I'm insulting you because you're upsetting me, but- Starbucks is bullsh and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 45:14Speaker 06

  The number one ranked energy drink is gamer subs.

• 45:17Speaker 04

  Literally, the cherry flavor is insane.

• 45:20Caleb Hammer?

  Listen-

• 45:21Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 45:50Caleb Hammer?

  You can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code CALEB.

• 46:00Speaker 06

  The number one YouTube membership won't stop growing. I'm talking about premium shows every day, Monday through Friday. Exclusive and uncensored financial audit episodes.

• 46:12Caleb Hammer?

  Obviously, your time 100%.

• 46:15Speaker 06

  Financial audit post-shows.

• 46:17Caleb Hammer?

  You were doing this behind his back, but one of them, I've actually never seen this photo.

• 46:21Speaker 06

  Audit breakdown.

• 46:23Caleb Hammer?

  Like, we still don't film with people like that. Like, he is a next level.

• 46:26Speaker 06

  Our call-in show, Hammer It Out.

• 46:28Caleb Hammer?

  Put discipline into your budget. That's what I was gonna say.

• 46:31Speaker 06

  Fat and fatter.

• 46:32Caleb Hammer?

  What is this? Brandt. Brandt.

• 46:36Speaker 06

  And now, two new shows, behind the scenes.

• 46:42Speaker 06

  And Lindsay's checkup. Did you get married? I got married! Smaller ceremony, but a big reception. Give me all the details. No other channel offers what Hammer Elite provides. Sign up with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today.

• 47:01Speaker 03

  Like, did you, like, did you see the trailer for Good? Like, her, like, waving that [bleep] thing around, like, he literally, like, holds it like this.

• 47:10Caleb Hammer?

  No, do you not care? Do you not give a [bleep]?

• 47:13Speaker 03

  I guess I don't, like...

• 47:15Caleb Hammer?

  Then what are we talking? Why are we having a conversation? Why am I wasting my time with you?

• 47:19Speaker 03

  Because I need to care. And I want to care.

• 47:22Caleb Hammer?

  I can't convince you to care if you don't.

• 47:24Speaker 03

  Okay, we're... Can we, like, just, like, take a second? Can I just boop you real quick so we can just, like, reset?

• 47:30Caleb Hammer?

  No, because this isn't a joke, dude. Listen, I, I don't know, you're, you, you think you're fun, you think you're silly, you think you're cute. Shut the [bleep] up. It's not. It's obnoxious. You're obnoxious. You're living an obnoxious life. You don't give a [bleep] about anything. And he, you hear that laugh? His parents pay his rent. His parents pay his [bleep] rent. While he spends bullshit on Wicked, thousands on Wicked. Disgusting. I'd be disgusted to be your parents. I'd be disgusted to be your sister. I'd be disgusted to be your lesbian friend. I'm disgusted to sit in front of you right now. You're an excuse, you're a horrible excuse for a man. Horrible excuse for a human.

• 48:07Speaker 03

  It's hot when you say that to me.

• 48:12Caleb Hammer?

  See, what the am I doing? What do I do with that? Dick?

• 48:17Caleb Hammer?

  What do I do with that? How can I have a productive conversation here possibly?

• 48:21Speaker 03

  Sorry, I'm deflecting. I flirt when I'm nervous. And you're making me nervous.

• 48:28Speaker 03

  Cause you're right, like, yeah. I don't care, but like, I want to, like, I need to.

• 48:32Caleb Hammer?

  Okay, you want to, you need to, why take money for your parents, spend thousands on Galinda, and then not make your payments on your cards? Tell me the lie behind it. Why aren't you making the payments? How about, can we just start there? Why aren't you making your payments on time, huh? How about that?

• 48:46Speaker 03

  Because I don't want to, because I, I can't, like, there's just...

• 48:50Caleb Hammer?

  Cause you don't want to?

• 48:51Speaker 03

  Yeah.

• 48:51Caleb Hammer?

  But you're spending thousands on Wicked?

• 48:53Speaker 03

  Correct. I don't wanna pay the predators, I don't wanna pay... Money's not real, Caleb.

• 48:58Caleb Hammer?

  I mean, objectively, it is, it's on your paper, it's how you got the wand, what are you talking about?

• 49:02Speaker 03

  Right, but it's like a construct, like, it's liter- like, it was made to control people, and like, that's what it's doing.

• 49:07Caleb Hammer?

  Consent's a construct, and you broke it earlier, okay? Doesn't mean we don't follow it, and it's not real.

• 49:12Speaker 03

  Okay, fine, whatever.

• 49:19Caleb Hammer?

  Okay, it's a construct, I think we can all agree on that, does that not mean it doesn't dictate life? And have an impact on life?

• 49:26Speaker 03

  Well, it does, but it shouldn't.

• 49:26Caleb Hammer?

  Then it... It should, it doesn't matter, should or would, how does that benefit this conversation whatsoever? It doesn't.

• 49:32Speaker 03

  Like I said before, I like, hope things to be true, like, I just kinda like believe things.

• 49:36Caleb Hammer?

  Has that worked, 26-year-old failure? No?

• 49:38Speaker 03

  No, it has not, no.

• 49:39Caleb Hammer?

  So, it doesn't matter, so give it up! Give up that bullshit! Why are you, why are you latching on to the, "It's a construct, it shouldn't matter," blah blah blah? That, that hasn't got you anywhere. That hasn't got you anywhere, so maybe we try something different?

• 49:51Speaker 03

  Like what?

• 49:52Caleb Hammer?

  Oh my goodness, like, thinking that making your payments might actually have an impact. Might actually be important.

• 50:01Speaker 03

  Okay.

• 50:01Caleb Hammer?

  City Double Cash, we got $3,653.03. Takes 12 years to pay off minimum payments only, without any purchases. But you don't make minimum payments, you were late! There it is, fees and interest.

• 50:11Speaker 03

  No, I got that card to like, put, um, some of the Discover amount on it, and then I like, racked up the Discover one again. I'm sorry.

• 50:18Caleb Hammer?

  You transferred from the Discover, and then built up the Discover again? Again, this is why I don't like bankruptcy, or consolidation, or credit card transfers, or personal loans to take care of debts. Until we change our behavior, be- your behavior's out of control, you're out of control, you are insane! You-

• 50:34Speaker 03

  I'm a wild gay.

• 50:35Caleb Hammer?

  No, it's not cute. You think you're being cute and silly. You're not. That is not a cope to fall back on. It's not. You are an actual person on this earth. You get the choice to live a better life. You are actively choosing not to. And then you're like, haha, I'm a silly gay. Fuck off with that bullshit. Off with that bullshit!

• 50:53Speaker 03

  Alright, alright, alrights.

• 50:57Caleb Hammer?

  Why not make your minimum on this, please?

• 51:00Speaker 03

  Because I felt like money could go towards other things like my gas or like my food or...

• 51:05Caleb Hammer?

  But it went to Galinda.

• 51:06Speaker 03

  It went to wicked stuff, yeah. It did. It did.

• 51:11Caleb Hammer?

  The shit doesn't benefit you. It's nice.

• 51:14Speaker 03

  It doesn't benefit, no.

• 51:15Caleb Hammer?

  It doesn't have a long-term impact.

• 51:17Speaker 03

  I mean, it benefits me emotionally, like mentally.

• 51:19Caleb Hammer?

  No, mentally. You remember when you said you were too stressed to look at your debt?

• 51:22Speaker 03

  Yeah.

• 51:22Caleb Hammer?

  Mentally, not having debt, having a fully funded emergency fund for the next time your job is for a month, that would benefit you mentally.

• 51:28Speaker 03

  You know what? You're right about that. That would benefit me mentally, wouldn't it?

• 51:33Caleb Hammer?

  No shit. No fucking shit, dude.

• 51:35Speaker 03

  Oh my god, Caleb, it's crazy. It's like you're right. It's like you know what you're talking about. That's crazy. That's wild.

• 51:45Caleb Hammer?

  You're, I don't know. You're making me have less hope.

• 51:49Speaker 03

  No.

• 51:50Caleb Hammer?

  Than I normally feel in conversations. Um, I mean, you've only missed your payments for three months, so you were doing, so at least you, you made payments on time this year. Why haven't you recently? Cause you were doing it.

• 52:03Speaker 03

  Cause I lost the job and I didn't have...

• 52:04Caleb Hammer?

  How much were you making in that job?

• 52:06Speaker 03

  I told you, I was working like 50 hours a week and not getting...

• 52:09Caleb Hammer?

  How much were you making?

• 52:09Speaker 03

  Like, I, okay, I worked it from like November of last year to like May.

• 52:14Caleb Hammer?

  Why can you not tell me a number, dude? What is wrong with you?

• 52:17Speaker 03

  Because I don't know, Caleb. I told you, I don't look at that shit. Like, I don't look at it.

• 52:20Caleb Hammer?

  But your complaint is now you're not making enough. How can you even say that if you didn't know what you're making?

• 52:27Speaker 03

  Because I wasn't making enough. Like, I, like, I just, there was no money coming in. I don't know how else to put it. When I was in this sales job from like November to like...

• 52:36Caleb Hammer?

  No, now you're not making your payment. Now!

• 52:38Speaker 03

  Correct.

• 52:39Caleb Hammer?

  You have this year. Now you're not.

• 52:41Speaker 03

  Correct.

• 52:44Caleb Hammer?

  So what is going on now?

• 52:46Speaker 03

  Cause I just, that goes to other things, like my rent and like my car payment, like my actual bills that I like really need to pay, like.

• 52:54Caleb Hammer?

  Which is why we had eight hundred dollars of miscellaneous bullshit last month. Yeah, that's

• 52:58Speaker 03

  Yeah.

• 52:58Caleb Hammer?

  Great. This doesn't make sense, dude. You're what a cope, what a fucking lie, what a sad excuse of an existence.

• 53:07Speaker 03

  It's very sad. Yeah.

• 53:10Caleb Hammer?

  But you don't give a

• 53:13Caleb Hammer?

  or your shell is just such an immense cope shell that it's like horrible.

• 53:18Speaker 03

  Listen, gays are traumatized, okay?

• 53:19Caleb Hammer?

  No, stop with this.

• 53:20Speaker 03

  I know you said you're not a mental health person, but like

• 53:23Caleb Hammer?

  Not a mental health person. What do you mean?

• 53:24Speaker 03

  Well, like that you're not like a therapist or not, obviously. And like, people come on here, right?

• 53:29Caleb Hammer?

  I don't support mental health.

• 53:30Speaker 03

  Well, I know, I know. Teddy, chill.

• 53:32Caleb Hammer?

  What the hell is even that?

• 53:34Speaker 03

  Like, you just take it, you hear what I'm saying and then you just like run with it and like take it to like the fucking extreme, like, yeah, I got scammed three times. Yeah, I spent eight hundred dollars on wicked stuff, but like

• 53:47Caleb Hammer?

  Thousands on wicked, by the way. Shut the

• 53:49Speaker 03

  I'm a person too.

• 53:50Caleb Hammer?

  Eight hundred miscellaneous. Barely. Listen.

• 53:52Speaker 03

  Barely, I know.

• 53:53Caleb Hammer?

  Listen, what were you saying?

• 53:56Caleb Hammer?

  Every gay has trauma? No. Shut the up. This is not the world we live in anymore. Shut up. I'm sure some do, some come from shitty families. Uh, some, like, might get bullied in school. I don't know. Come on, you can't just fall back on that. You can't. The nerd gets bullied, the les gets bullied. Uh, you know, it's whatever. They're not gonna fall back on it for the rest of their life.

• 54:22Caleb Hammer?

  This is just so stupid. I mean, you have finance purchases in there.

• 54:27Speaker 03

  I also

• 54:28Caleb Hammer?

  Yeah, balance transfer is two thousand two hundred seven of it, but one thousand three hundred eighty-four was spending on bullshit as well.

• 54:33Speaker 03

  Well, I told you I moved in with my sisters.

• 54:35Caleb Hammer?

  Balance transfer, interest-free period ends in just a couple of months and then you're this is not deferred interest, but you are gonna be very soon.

• 54:42Speaker 03

  Yeah.

• 54:42Caleb Hammer?

  Which is not in real life because you can't get laid.

• 54:45Speaker 03

  Like in a bad way.

• 54:46Caleb Hammer?

  Oh. Go to the gym.

• 54:48Speaker 03

  Will you be there, though?

• 54:48Caleb Hammer?

  Hmm?

• 54:49Speaker 03

  Will you be there?

• 54:52Speaker 03

  When I get

• 54:53Caleb Hammer?

  You go to the

• 54:55Caleb Hammer?

  Dude, you're Something's wrong with you.

• 54:58Speaker 03

  A lot. If you couldn't tell.

• 55:01Caleb Hammer?

  Quicksilver. Oh, yeah. Not making payments. You're a failure. And I can't wait to talk to your

• 55:11Speaker 03

  To my lesbian friend here.

• 55:13Caleb Hammer?

  Yeah, in the post-show about how her friend is an actual failure. Maybe she can hold your feet to the fire.

• 55:17Speaker 03

  She has. Like she

• 55:19Caleb Hammer?

  Uh huh.

• 55:20Speaker 03

  Like, she does. She keeps.

• 55:21Caleb Hammer?

  Yeah, it's working so well.

• 55:23Speaker 03

  Right, it doesn't work because I don't follow along, but like she does like

• 55:30Speaker 03

  Keep on me when she like can. But

• 55:33Caleb Hammer?

  Ah, Quicksilver, $3,219.79 minimum payment, 312 because we're behind, I'm gonna say 150, I don't know. It's normal.

• 55:42Speaker 03

  Sounds about right.

• 55:43Caleb Hammer?

  Late fees, interest, 17 years to pay off.

• 55:46Speaker 03

  17? Years?

• 55:49Caleb Hammer?

  Well, that's if you actually make your minimum. You don't. So

• 55:53Speaker 03

  Yeah.

• 55:53Caleb Hammer?

  So no, much longer, actually, I would say.

• 55:55Speaker 03

  Who knows if I'll even be around that long?

• 55:59Speaker 03

  The world is dying.

• 56:00Caleb Hammer?

  Are you terminal? I don't know. The world is dying?

• 56:02Speaker 03

  The world is dying, Caleb.

• 56:04Caleb Hammer?

  I missed that news. Well, I don't think people say the world's not gonna exist. That's not what they say.

• 56:11Speaker 03

  Yeah, a lot of people say that.

• 56:12Caleb Hammer?

  I don't think anyone says that.

• 56:15Speaker 03

  In Omaha, they do.

• 56:16Caleb Hammer?

  In the middle of the country? Away from the coast and

• 56:22Speaker 03

  Yeah, we're landlocked, yeah.

• 56:25Speaker 03

  Lot of Jesus freaks up there.

• 56:26Caleb Hammer?

  Uh huh, so what was this card used for? You racked up an insane amount of money that of course now you're not paying. Oh, good. Drake, Taylor Swift.

• 56:36Speaker 03

  Concerts.

• 56:37Caleb Hammer?

  Pitbull.

• 56:37Speaker 03

  Yeah, I saw Taylor in concert on the Eras Tour, obviously. Had to go do that.

• 56:42Caleb Hammer?

  Yeah, I love destroying my life for a billionaire.

• 56:44Speaker 03

  Yeah, she's gotten, yeah. You're not a Swiftie.

• 56:48Caleb Hammer?

  It's fine. I mean, I don't care. I'm not anti-Swifter, pro-Swifter.

• 56:51Speaker 03

  I just see the other lady. I just watched the video of the

• 56:53Caleb Hammer?

  I'm glad. I don't give a

• 56:55Speaker 03

  Okay.

• 56:55Caleb Hammer?

  I don't care what you've done. I do care that you've gone to Taylor Swift When you couldn't afford it and you fucked yourself.

• 57:02Speaker 03

  Right here, actually. This is a bracelet.

• 57:04Caleb Hammer?

  Yes, you've helped contribute to her billions because you're easy to milk.

• 57:07Speaker 03

  I am very easy to milk. You wanna find out?

• 57:12Caleb Hammer?

  I have to ban these jokes? Like, what is happening? That's okay. And then you're going to Colorado soon and you've already paid for half the trip, but I don't know.

• 57:20Speaker 03

  Yeah, it's like a skiing.

• 57:21Caleb Hammer?

  You're over maxed out by hundreds of dollars. You're not making your payments. You're going on a ski trip? What kind of privileged disgusting creature are you? Who thinks you deserve that? Who thinks you're entitled to that? You go back to Omaha, dig a hole and die.

• 57:38Speaker 03

  That's the nicest thing you've said to me all day.

• 57:39Caleb Hammer?

  This is just, you're, you're, you're contributing nothing. You're taking everything and then you're gonna ask for a handout and cry for sympathy in your future. Fuck you. Taking money from your parents, fuck you. Making your sisters stressed, fuck you. What is wrong with you? Colorado, who, who are you to go skiing? What a disgusting animal.

• 57:58Speaker 03

  I'm actually not gonna ski. I'm just gonna go like, have fun.

• 58:01Caleb Hammer?

  What does that mean? What does that look like?

• 58:02Speaker 03

  Like, I'll just hang out with my friends. Like, it's a big friend group that's going and they're gonna go skiing.

• 58:06Caleb Hammer?

  Are they from Omaha?

• 58:08Speaker 03

  Yeah.

• 58:08Caleb Hammer?

  So that makes it harder for you to leave.

• 58:10Speaker 03

  Yeah?

• 58:11Caleb Hammer?

  There's no way Omaha doesn't have a halfway decent, they have opportunities there. It's not like a major tech hub or anything crazy, but it's like they have opportunities. And the largest city in Nebraska. I'm assuming.

• 58:24Speaker 03

  I'm not very...

• 58:26Caleb Hammer?

  Do you have a degree?

• 58:27Speaker 03

  I do have a degree.

• 58:28Caleb Hammer?

  What's your degree in?

• 58:29Speaker 03

  Psychology.

• 58:34Caleb Hammer?

  Why?

• 58:35Speaker 03

  Well, like every other person that goes into psychology, I wanted to find out what the fuck was wrong with me and why I was the way I was.

• 58:43Caleb Hammer?

  Well, you're gay. No one cares anymore.

• 58:46Speaker 03

  Well, it was more than just like the gay stuff. It was more like, sure, let's go with that.

• 58:52Speaker 03

  And just like the simplicity of like...

• 58:56Caleb Hammer?

  Yeah, it's your behavior, big guy.

• 58:58Speaker 03

  It is my behavior.

• 58:59Caleb Hammer?

  Your full behavior. I don't wanna hear it.

• 59:00Speaker 03

  I need like...

• 59:01Caleb Hammer?

  I don't wanna hear it. I don't wanna fucking hear it. What's wrong with me? Fuck you. It's your behavior. It's your choices. It's your actions you're taking by choice. And Galindo wand while taking your parents' money. It's disgusting. It's immaturity. It's you, a horrendous individual.

• 59:19Caleb Hammer?

  Okay, well, I'll get you an actual certification in a career field that has benefits and course careers. You choose which one you want. A lot of people out there have used it to get raises or get a new jobs.

• 59:28Speaker 03

  Really?

• 59:29Caleb Hammer?

  So I'll gift you one.

• 59:30Speaker 03

  Really?

• 59:33Caleb Hammer?

  Yes.

• 59:34Speaker 03

  Sweet. Thank you.

• 59:37Caleb Hammer?

  You should use the Fizz card if you're gonna use a credit card going forward.

• 59:39Speaker 03

  A what?

• 59:40Caleb Hammer?

  It's a debit card that builds credit. Fizz card, debit card that builds credit. Doesn't let you spend more than what's in your checking account, because obviously you cannot manage credit cards with shit. You're not a credit card person. Fuck off, die. What?

• 59:52Speaker 03

  This is correct, and I was just gonna say I can't, like, I have a really bad credit score, as you could probably assume.

• 59:58Caleb Hammer?

  What is it?

• 59:59Speaker 03

  So, if I, like, I sent the thing, I think, to the producers of, like-

• 1:00:03Caleb Hammer?

  Then I will see it, okay?

• 1:00:05Speaker 03

  I think I-

• 1:00:05Caleb Hammer?

  Then I will see it, okay? Shut the fuck up!

• 1:00:09Speaker 03

  Oh my god.

• 1:00:10Caleb Hammer?

  Oh, like, four missed payments this year so far, which, again, means you're making payments at some point. I don't understand where the transition happened to not making payments.

• 1:00:18Speaker 03

  I decided one day I'm not gonna pay them.

• 1:00:20Caleb Hammer?

  Care of credit, what's happening?

• 1:00:21Speaker 03

  My cat had a bladder obstruction in April.

• 1:00:23Caleb Hammer?

  You have a cat?

• 1:00:24Speaker 03

  Yeah.

• 1:00:24Caleb Hammer?

  Q, you can't afford a cat? What a selfish person.

• 1:00:26Speaker 03

  I got the cat with my ex-boyfriend who I told you about that I moved in with. And he didn't pay for anything on it at all, by the way, this is-

• 1:00:33Caleb Hammer?

  Let me see a picture of your ex.

• 1:00:34Speaker 03

  Oh, okay.

• 1:00:37Speaker 03

  Yeah. If I haven't deleted all of them yet.

• 1:00:41Caleb Hammer?

  Okay, normal minimum is $71. You owe $2,169. It's at its max, no surprise. And we're past due two payments. We now owe three. 13 years to pay off minimum monthly payment. Social media exists, you dumb tit. We like putting pictures of everyone's ex on screen, because you know how well they can pull. Let's find out.

• 1:01:02Caleb Hammer?

  This is insanity. We're pa- literally, we're four cards in and you're past on everything. You're not doing shit. Oh, while milking other people and spending money on-

• 1:01:11Speaker 03

  Which is bullshit, that doesn't matter. Regrettably, you're right.

• 1:01:15Caleb Hammer?

  Huh?

• 1:01:16Speaker 03

  You're right.

• 1:01:17Caleb Hammer?

  On?

• 1:01:17Speaker 03

  Everything you just said.

• 1:01:18Caleb Hammer?

  Then why aren't you doing anything?

• 1:01:20Speaker 03

  Because... I just, like, gave up. Like, I just feel like there's no fucking hope.

• 1:01:27Speaker 03

  Oh no, I've probably deleted all these fucking photos of him.

• 1:01:29Caleb Hammer?

  Dude, Instagram, are you stupid?

• 1:01:32Speaker 03

  I don't follow him anymore.

• 1:01:34Caleb Hammer?

  You can look people up if you don't follow them. You are, what is wrong with you? I swear, sometimes, whoa, I know we get the bottom of the barrel on this show.

• 1:01:41Speaker 03

  Alright, alright, let me go, Jesus Christ, like-

• 1:01:45Caleb Hammer?

  If you're capable of using Instagram, come on the show, kalebhamer.com/apply. I'd be happy to take a look at your ex so I can see what you're able to pull. My goodness, it's usually a fun little detour in the middle of a bitter conversation of insanity.

• 1:01:56Speaker 03

  That was the first one, that's Doug.

• 1:02:01Caleb Hammer?

  Looks very similar to Brandon.

• 1:02:02Speaker 03

  Stop, stop, stop.

• 1:02:03Caleb Hammer?

  To Brandon. And you like the Brandon.

• 1:02:06Speaker 03

  I do like the Brandon. Hey, Brandon.

• 1:02:11Speaker 03

  He just nodded at me, but...

• 1:02:13Caleb Hammer?

  He sticks it in a hole.

• 1:02:14Speaker 03

  He's like you.

• 1:02:14Caleb Hammer?

  He sticks it in a new hole every night. You might be able to play some convincing games.

• 1:02:20Speaker 03

  No.

• 1:02:21Caleb Hammer?

  A fatter Brandon.

• 1:02:22Speaker 03

  Fast, no.

• 1:02:23Caleb Hammer?

  Well, actually, to do something like, oh yeah, definitely got the thickness, but it's really in the cheeks more than anything. Um...

• 1:02:32Caleb Hammer?

  Brandon?

• 1:02:35Caleb Hammer?

  Why are you being homophobic over there? Why are you saying, it's homophobic not to [__] this man?

• 1:02:40Speaker 03

  I'll wear whatever you want, Brandon.

• 1:02:41Caleb Hammer?

  You'll wear whatever you want, Brandon.

• 1:02:43Speaker 03

  Or nothing at all, if that's what you want.

• 1:02:49Caleb Hammer?

  Sexually assault Brandon next.

• 1:02:51Speaker 03

  So, yeah, that's my, uh...

• 1:02:53Caleb Hammer?

  Set of me.

• 1:02:54Speaker 03

  Which, I have more tea on that for later.

• 1:02:57Caleb Hammer?

  No, thanks.

• 1:02:58Speaker 03

  No, you're gonna wanna hear it.

• 1:02:59Caleb Hammer?

  I don't give a [__] Your lesson involves finances, I don't give a [__].

• 1:03:03Caleb Hammer?

  Oh!

• 1:03:03Speaker 03

  You just say that.

• 1:03:04Caleb Hammer?

  It's a promotional balance. Deferred interest, oh, deferred interest has in just a couple of months. Oh, you're so done, you're so done.

• 1:03:12Speaker 03

  Yeah, so my cat had a bladder obstruction, so he had to go to the ER.

• 1:03:14Caleb Hammer?

  You already told me that, are you...

• 1:03:15Speaker 03

  Yeah, but I didn't tell you like how much it was and shit.

• 1:03:17Caleb Hammer?

  Well, I have the balance. All I know is you are having deferred interest that is accruing hundreds of dollars and it's all about to hit in a couple of months.

• 1:03:25Speaker 03

  What is deferred interest?

• 1:03:31Speaker 03

  Is that like later? Like it comes down later?

• 1:03:35Speaker 03

  Nobody ever told me this stuff, mind you. They probably did, I just didn't listen.

• 1:03:39Caleb Hammer?

  No one ever tells anyone, it's on you to learn, you're an adult.

• 1:03:41Speaker 03

  It's on me.

• 1:03:42Caleb Hammer?

  Okay.

• 1:03:43Speaker 03

  I need to stop blaming you.

• 1:03:43Caleb Hammer?

  Here's the thing, your minimum payment is $71, you're not even paying that, so... That's issue number one. Issue number two, you need to make $425 to pay this off before the deferred interest period ends. Let's explain it. There is interest free. This? In five months, if this was interest free, you're not paying interest on it right now, it's not accruing, it starts accruing interest on whatever the balance is once the interest free period ends. Deferred interest means it is accruing interest

• 1:04:10Speaker 03

  Okay.

• 1:04:11Caleb Hammer?

  behind the scenes, and all of that immediately gets added to the balance if you do not pay it off completely by the time that date ends.

• 1:04:19Speaker 03

  That's kinda messed up. It accrues interest and then it'll attach.

• 1:04:23Caleb Hammer?

  But, but if you pay it off before the deferred interest period ends.

• 1:04:26Speaker 03

  If you pay the interest off.

• 1:04:27Caleb Hammer?

  You don't have to pay interest. Balance, balance. The, the interest isn't accruing to the balance.

• 1:04:32Speaker 03

  Don't throw your calculator at me.

• 1:04:33Caleb Hammer?

  I didn't. I put it down. You, are you a sensitive little bitch? Listen, the thing is, that is not being added to the balance right now. It gets added to the balance if you do not pay off the balance by the time that ends. And that is five months from now.

• 1:04:47Speaker 03

  Yeah, that, that is.

• 1:04:51Caleb Hammer?

  Do you understand? You asked the question. I explained it. Do you understand? I'm not getting much from you.

• 1:04:56Speaker 03

  That I need to pay the balance off.

• 1:05:00Caleb Hammer?

  No, how deferred interest works.

• 1:05:01Speaker 03

  It accrues over time and then it will attach itself to it if you don't pay off.

• 1:05:07Caleb Hammer?

  Basically.

• 1:05:08Speaker 03

  The balance.

• 1:05:08Caleb Hammer?

  Yeah, by the date, the end of the promotional.

• 1:05:10Speaker 03

  Okay.

• 1:05:11Caleb Hammer?

  You get it?

• 1:05:12Speaker 03

  Yeah, I think so.

• 1:05:13Caleb Hammer?

  Okay, it happens, uh, beginning of April.

• 1:05:16Speaker 03

  Great.

• 1:05:18Caleb Hammer?

  Yeah, you gotta make a payment of 425 a month. Or else your hundreds of dollars is going to end up to your debt.

• 1:05:23Speaker 03

  We'll work on it. That's why I'm here.

• 1:05:24Caleb Hammer?

  And you'll be above the balance. I'm crazy. We'll work on it? Dude, you're not paying. You're late. Again, you're endlessly late. You, you, you, we're, we're four cards in. You haven't paid a bill. You're a mess. You're a joke. You're a disaster. You're an embarrassment. You're a failure.

• 1:05:40Caleb Hammer?

  I'd be ashamed to be associated with you.

• 1:05:43Speaker 03

  What?

• 1:05:43Caleb Hammer?

  And unfortunately, now I am. NFM, what is that?

• 1:05:47Speaker 03

  No money.

• 1:05:51Speaker 03

  Just kidding. It's Nebraska Furniture Mart. It's like a.

• 1:05:54Caleb Hammer?

  So you had to get brand new furniture.

• 1:05:57Caleb Hammer?

  You had to get brand new furniture to move into a place you can't afford.

• 1:06:00Speaker 03

  Actually, there's no furniture on this card. It's my laptop and, uh, AirPods.

• 1:06:06Caleb Hammer?

  What do you need a laptop for, bill runner?

• 1:06:08Speaker 03

  They gave me a $4,000 limit. The laptop I had was when I'd used all throughout college. So it was like super slow.

• 1:06:15Caleb Hammer?

  What is your laptop?

• 1:06:16Speaker 03

  It was super heavy.

• 1:06:17Caleb Hammer?

  What laptop did you have?

• 1:06:17Speaker 03

  Oh, it's like a, wait, before?

• 1:06:19Caleb Hammer?

  Did, yes, did. What do you think the word did means?

• 1:06:22Speaker 03

  It was a 2013 MacBook Pro.

• 1:06:25Caleb Hammer?

  Okay, that's definitely aging and Intel base. Not great. I get it. Okay.

• 1:06:29Speaker 03

  Wouldn't even get like system updates anymore.

• 1:06:30Caleb Hammer?

  Yep, yep, yep, yep, yep. So I want to get a new computer too. Depends on what you get. What do you need?

• 1:06:36Caleb Hammer?

  What did you get? What did you get? You

• 1:06:38Speaker 03

  You're gonna be so mad.

• 1:06:39Caleb Hammer?

  I will. What is it?

• 1:06:39Speaker 03

  It's like a 2024 like MacBook Air.

• 1:06:43Caleb Hammer?

  Oh, OK. Well, OK. Actually, no, I'm not freaking out.

• 1:06:46Speaker 03

  It was like $1,500.

• 1:06:47Caleb Hammer?

  OK, well, you probably you got it more upgraded than you needed for what you needed to do. Absolutely. I would have got more towards about 1,100 bucks. But at least you didn't go MacBook Pro because someone like you does not need one. And that is all I'm saying.

• 1:06:58Speaker 03

  Correct.

• 1:06:58Caleb Hammer?

  So I'm glad you at least got the air. But for like you upgraded it more.

• 1:07:01Speaker 03

  Finally glad about something I did. Oh, my God.

• 1:07:04Caleb Hammer?

  You still spent hundreds more than you should have, though.

• 1:07:06Speaker 03

  All right.

• 1:07:08Caleb Hammer?

  And I'm being told the lesbian was so mad. Matter what? Get in the laptop? Why is she even friends with you? If she's

• 1:07:13Speaker 03

  Honestly, I have no idea.

• 1:07:14Caleb Hammer?

  The way you live your life. Why is she accepting this?

• 1:07:17Speaker 03

  I don't know. Lesbians, I don't. I don't understand them. Do you?

• 1:07:21Caleb Hammer?

  I'm hoping to convince her, but no, I don't know. I don't know if I understand.

• 1:07:24Speaker 03

  That's my friend we're talking about. So like, I need you to like, just.

• 1:07:27Caleb Hammer?

  I would stick it in.

• 1:07:29Speaker 03

  She wouldn't like that.

• 1:07:31Caleb Hammer?

  No, but I would. Well, with consent. Oh.

• 1:07:35Speaker 03

  Right.

• 1:07:35Caleb Hammer?

  Hold on.

• 1:07:36Speaker 03

  Right.

• 1:07:37Caleb Hammer?

  Hold on to be very

• 1:07:38Speaker 03

  What did we just talk about?

• 1:07:39Caleb Hammer?

  Come on, leg toucher. Shut the

• 1:07:40Speaker 03

  Who just came in here to talk about consent?

• 1:07:44Caleb Hammer?

  HR.

• 1:07:44Speaker 03

  Yeah.

• 1:07:44Caleb Hammer?

  I said with consent, you creature, you beast. You're the one rubbing people. Weirdo.

• 1:07:50Speaker 03

  You liked it, though.

• 1:07:52Caleb Hammer?

  No, and I love rubbing people. I'm very much into. OK, come on. But again, with consent.

• 1:07:59Speaker 03

  Again, I don't know why she's friends with me. She's too good for me. I don't deserve her. I really don't deserve her.

• 1:08:04Caleb Hammer?

  It's a win win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Wanna know a dirty little secret? And now I'm not starting an only

• 1:08:49Caleb Hammer?

  You're not broke because you suck.

• 1:08:51Speaker 00

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• 1:09:20Caleb Hammer?

  With money, you just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get to try it for free plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started.

• 1:09:51Speaker 03

  I really don't deserve anybody that's helped me.

• 1:09:53Caleb Hammer?

  Agreed.

• 1:09:54Speaker 03

  Cause I'm just.

• 1:09:55Caleb Hammer?

  You're horrible. You're a moocher.

• 1:09:56Speaker 03

  I.

• 1:09:57Caleb Hammer?

  You're a disgusting parasite on this planet.

• 1:09:59Speaker 03

  I am a parasite.

• 1:10:00Caleb Hammer?

  $1,348.61. So, and you said AirPods as well. Of course can't get MacBook without getting some AirPods. Seven years to pay this one off. $54 minimum payment.

• 1:10:12Caleb Hammer?

  Of course fees and of course interest.

• 1:10:14Speaker 03

  This one I can't pay off when I can, like, you know.

• 1:10:16Caleb Hammer?

  Why selective this one? Cause yes, you made a minimum payment. Why selective this one? When it's a lower interest rate than all the other ones? Why? Cause it's 18%. It's a great, no, it's, but it's not in the 30s like the others. So why this one? What is your logic?

• 1:10:30Speaker 03

  I guess I don't have logic. It's the.

• 1:10:32Caleb Hammer?

  No, tell me why you're choosing that.

• 1:10:33Speaker 03

  It was because if I pay it off within the year, it will, oh no, oh no.

• 1:10:39Caleb Hammer?

  No, why? I'm trying to listen.

• 1:10:41Speaker 03

  I'm sorry. You're just like over there like reacting.

• 1:10:43Caleb Hammer?

  Yeah, I'm trying to listen to your re.

• 1:10:45Speaker 03

  To my explanation? Okay. What was I talking about?

• 1:10:50Caleb Hammer?

  Why you're choosing that card to put the minimum payment to?

• 1:10:53Speaker 03

  When I bought the laptop, it was like, it's like 24. It was like, it was like a 12 months interest free if you pay it off in time. But clearly I have not gotten close to paying it off. So.

• 1:11:06Speaker 03

  She's just chilling there.

• 1:11:09Speaker 03

  What?

• 1:11:12Caleb Hammer?

  I just, you're, it's just the way you live your life is a mess. What is this? What am I looking at? You're in a debt program?

• 1:11:17Speaker 03

  Well, that says debt.

• 1:11:18Caleb Hammer?

  You got into a debt program when you're building all your debt back up again? You fucking moron. What is wrong with you? I like debt relief programs, but only after you change your behavior. You moron!

• 1:11:29Speaker 03

  Well, as you, as you saw, the minimum payments were quite a lot.

• 1:11:34Caleb Hammer?

  Is that for all of these things?

• 1:11:36Speaker 03

  It's, maybe.

• 1:11:37Caleb Hammer?

  Oh, every debt we talked about is now in a debt relief program?

• 1:11:40Speaker 03

  Um, no.

• 1:11:44Caleb Hammer?

  Huh?

• 1:11:46Caleb Hammer?

  What, what is going on?

• 1:11:47Speaker 03

  There...

• 1:11:48Caleb Hammer?

  Yeah, I'm being told no. So this is past debt?

• 1:11:50Speaker 03

  Mm-hmm.

• 1:11:51Caleb Hammer?

  Are you able to just say words? Do you know what's happening?

• 1:11:54Speaker 03

  I guess I just don't even know myself, like, what it is. Like, I put in some cards. So it's like paying off a balance and then I like brought the balance like right back up, basically, is what happened.

• 1:12:07Caleb Hammer?

  Hundred twenty-eight dollars and seventy-two cents on a monthly basis. Are you at least paying that shit?

• 1:12:12Speaker 03

  Yeah.

• 1:12:13Caleb Hammer?

  Okay, you owe fourteen thousand seventy-four dollars. And this goes from, yeah, a Capital One we don't have, a different card, a Synchrony card we don't have. Yeah, this is

• 1:12:29Caleb Hammer?

  what is wrong with you? It's a forty-eight month plan. Fees, annual basis, six point two five. It's better than thirty percent interest rates that were probably associated with it, of course. But it doesn't matter because you racked up all your debts again, so it doesn't matter. You've just ruined yourself again. You didn't use this as a tool. You fucked it. Fucked it. Why?

• 1:12:52Caleb Hammer?

  What was the point without changing what you actually did?

• 1:12:54Speaker 03

  There wasn't a point, I guess.

• 1:12:56Caleb Hammer?

  You were just rushing for a solution.

• 1:12:58Speaker 03

  I was.

• 1:12:58Caleb Hammer?

  Just like you're

• 1:13:01Caleb Hammer?

  this isn't a scam necessarily. You just scammed yourself, just kinda like the other things. The other things were actually scammed, but you were stupid and you fell into them. This isn't a scam, but you you scammed yourself because you went into it, you built up debt again, now you have doubled the debt and you're

• 1:13:16Speaker 03

  Yeah?

• 1:13:19Speaker 03

  I'm

• 1:13:21Caleb Hammer?

  What do I do with that?

• 1:13:24Caleb Hammer?

  What do I do with that? Because I'm not convinced you give a shit. Because you're still spending money on bullshit today. This Galinda dumbass or you know, Wicked's about to come out part two and you're really gonna go overboard. Like, I don't know what to do. Your income sucks. Your income sucks. Like, sucks big time.

• 1:13:42Speaker 03

  Yeah.

• 1:13:44Speaker 03

  It's, it's alright.

• 1:13:46Caleb Hammer?

  No. No, it is not.

• 1:13:48Speaker 03

  My other job that I had this summer was seventeen dollars an hour, so that was like shit.

• 1:13:53Caleb Hammer?

  Hey, hey, you didn't even get the job yourself. The lesbian got you this job because you weren't working. You can't produce anything. You're not a provider. You're a leech. You're nothing.

• 1:14:00Speaker 03

  Yeah. I rely on others a lot. I'm very codependent. I guess you could say.

• 1:14:06Caleb Hammer?

  And how do you feel about that?

• 1:14:10Caleb Hammer?

  Because I would be embarrassed and want to change my life.

• 1:14:12Speaker 03

  I mean, it is embarrassing.

• 1:14:16Speaker 03

  But like

• 1:14:17Caleb Hammer?

  But, but you're not willing to do anything. So you're embarrassed, but you just live in it?

• 1:14:21Speaker 03

  To do anything, but like I now realize that like I need to.

• 1:14:25Caleb Hammer?

  Yeah, median hourly wage in the Omaha metro area is thirty dollars an hour.

• 1:14:32Caleb Hammer?

  You're two thirds. You're not doing well. You're not doing well at all. That translates to sixty-two thousand nine hundred dollars a year.

• 1:14:39Speaker 03

  Yeah.

• 1:14:39Caleb Hammer?

  You're And you have a degree. This is like, it's insane.

• 1:14:43Speaker 03

  Tell me something I don't know.

• 1:14:45Caleb Hammer?

  I, I don't, well. I don't know what you know and don't know because you honestly are pretty stupid. Is that all your debt?

• 1:14:52Speaker 03

  Well, and my car. I have like thirteen grand on my car still.

• 1:14:57Caleb Hammer?

  Dude. Oh my gosh. Okay, let's see this car.

• 1:15:03Speaker 03

  It's this, yeah.

• 1:15:04Caleb Hammer?

  Oh, this is it. I thought this was the consolidation because it's the, it's the same balance, basically. So I thought, oh. What are you doing? What is the car? What car do you have? What car do you have?

• 1:15:16Speaker 03

  It's a twenty eighteen Subaru Forester. It is a

• 1:15:21Caleb Hammer?

  You're full lesbian.

• 1:15:21Speaker 03

  Salvage title. I am full lesbian.

• 1:15:25Speaker 03

  And I wrecked it twice. Well, I only wrecked it once and I got into a fender bender myself.

• 1:15:31Caleb Hammer?

  What is wrong with you?

• 1:15:32Speaker 03

  I'm gay.

• 1:15:33Caleb Hammer?

  No, you can't fall back on that for everything. You can't.

• 1:15:36Speaker 03

  I was looking at the sunset and I was not looking ahead of me and I hit a median.

• 1:15:41Caleb Hammer?

  $14,025.46.

• 1:15:44Speaker 03

  And I like [bleep] up my front end, like my wheel popped, like my bumper came off. Like it was bad. Like it was very bad.

• 1:15:50Caleb Hammer?

  Why are you getting [bleep] car crashes?

• 1:15:51Speaker 03

  Because I told you, I was looking at the sunset, trying to take a picture.

• 1:15:54Caleb Hammer?

  $345.11.

• 1:15:57Speaker 03

  Yeah, that's every month.

• 1:15:58Caleb Hammer?

  Well, no shit, that's gay. Your minimum repayment. No shit. Dude, yeah, yeah, it is. What's the interest rate?

• 1:16:03Speaker 03

  I think like 7%.

• 1:16:05Caleb Hammer?

  Colton's also saying that's the gayest excuse for a car crash he's ever heard.

• 1:16:09Speaker 03

  What, the sunset?

• 1:16:10Caleb Hammer?

  Yes.

• 1:16:10Speaker 03

  I mean, that's what happened. I was in awe. Nebraska has the best sunsets, that's why.

• 1:16:20Caleb Hammer?

  Yeah, that's what everyone knows and considers. Guys, go to Nebraska for the best sunsets in the country.

• 1:16:31Speaker 03

  Agreed.

• 1:16:34Caleb Hammer?

  Yep, I'm sure it's better than Florida and the Texas rolling hills or the Blue Ridge Mountains or the coast of California, beaches of Hawaii.

• 1:16:46Speaker 03

  Well, I can't really speak on those because I've never seen those.

• 1:16:48Caleb Hammer?

  Okay, great. So we can say this is the best.

• 1:16:51Speaker 03

  Yeah.

• 1:16:51Caleb Hammer?

  What do you think this car is worth?

• 1:16:52Speaker 03

  Like 10 grand.

• 1:16:54Caleb Hammer?

  Do, do we have it? Why don't you give us the VIN asshole?

• 1:17:00Speaker 03

  I have it. I guess I did not, I'm sorry.

• 1:17:05Caleb Hammer?

  You can't send statements, can't send VINs. What the [bleep]? Who knows? I'm, I'm sure you have a dramatically negative equity position in this car. And the interest rate?

• 1:17:13Speaker 03

  7%.

• 1:17:15Caleb Hammer?

  Okay. It's on the teetering edge of horrendous or not horrendous, but it ain't good. It's fine. I don't care.

• 1:17:21Speaker 03

  Do you need the VIN?

• 1:17:22Caleb Hammer?

  No, it's done. It's done. It's done. It's done. We're moving it into checking account. That's all your debt. No student loans?

• 1:17:29Speaker 03

  No student loans.

• 1:17:30Caleb Hammer?

  Good. How'd you do that?

• 1:17:32Speaker 03

  I paid for school like out of pocket upfront and my parents helped me and I lived at home.

• 1:17:37Caleb Hammer?

  There's the real answer. Ah, there's the real answer too.

• 1:17:40Speaker 03

  They wanted me to get the college degree, so I did. And then it still didn't get me a- Good enough job and I'm probably blaming the degree on that as well and not myself for like.

• 1:17:50Caleb Hammer?

  Well, the degree isn't great in this job market we have right now, but you are correct.

• 1:17:57Caleb Hammer?

  Cause you can build up a little experience after the degree and still pursue good career paths. You're 26 now. You're not 22 anymore. Okay, 265 in this checking accounts. I don't know why you can't make minimum payments, but okay. Apple bill, Prime video. Getting some bullshit. What are you stopping in and getting $2.49 huh?

• 1:18:16Speaker 03

  Where?

• 1:18:17Caleb Hammer?

  I don't, well, this one's 365 market. Was that Whole Foods? I don't remember, but you stopped in and you got something for a couple bucks. So what's that? That ain't groceries. That ain't groceries. What did you get in? What do you stop in and get some bullshit? What is it?

• 1:18:30Speaker 03

  From 365?

• 1:18:30Caleb Hammer?

  What is it? When you stop in and get some bullshit, what is it?

• 1:18:33Speaker 03

  Like a coffee or like Coke or like food or like.

• 1:18:38Caleb Hammer?

  What a joke. Buddy, first of all, make your coffee at home.

• 1:18:41Speaker 03

  I do.

• 1:18:42Caleb Hammer?

  It's cheaper. Well, you're better. And now.

• 1:18:46Caleb Hammer?

  Make your energy drinks at home too. Instead of getting your Coke stuff, they have a cola version. They have all the flavors. It's really good. It's gamer subs, 25 cents a serving, 10% off. Link in the description below or get your free samples with code Caleb. Energy drinks at home, coffee at home. No more going in and getting some bullshit. And it tastes better too. So what the are we doing? This is so stupid. AMC, AMC, Apple bill, Apple bill. I'm okay with Google one. Vandango, Prime video. You went in and got some bullshit. Make your energy drink at home. Make your pop at home. Apple bill, going in and getting some BS. Apple bill, Xbox. New from Mart?

• 1:19:27Speaker 03

  I don't know what that is.

• 1:19:28Caleb Hammer?

  Council Bluffard? Council?

• 1:19:31Speaker 03

  Council Bluffs. Council Bluffs is the Iowa town. It's like on the border.

• 1:19:35Caleb Hammer?

  Are you giving them for?

• 1:19:37Speaker 03

  I don't know. I probably, oh wait, is it a hundred dollars?

• 1:19:41Caleb Hammer?

  Yes.

• 1:19:42Speaker 03

  Okay. I got like a ticket from Council Bluffs because they have like, they have like traffic cameras.

• 1:19:47Caleb Hammer?

  Oh, they make heavy at home? No, you don't.

• 1:19:49Speaker 03

  I do make coffee at home.

• 1:19:50Caleb Hammer?

  Mecca. If you go to Mecca, they will literally throw you off a building.

• 1:19:55Caleb Hammer?

  Where's my cash app? McDonald's? Going in and getting into bullshit? Getting into BS? Vapor Maven? Yeah, of course. What a fu- what's wrong with you people? I really don't understand. Kohl's Burger? You're all the same. Kohl's Burger King? Fandango again? Revival House? You're spending so much on bullshit? Going in and getting into BS? Venvying out money? Probably paying to get railed? Venvying out money? Stopping in and getting into BS? Prime Video? McDonald's? Pull up your phone, dick? Pull up your phone, dick? Dick, pull up your phone?

• 1:20:27Speaker 03

  What do you want to see?

• 1:20:28Caleb Hammer?

  65 cents in servings? I will select what I want to see.

• 1:20:31Speaker 03

  Alright.

• 1:20:32Caleb Hammer?

  65 cents? I'm not going through your photos, trust me. I'm not an idiot.

• 1:20:35Speaker 03

  There's a hidden album if you want to go see those.

• 1:20:37Caleb Hammer?

  Well, that's obviously what I just said I don't want. You know, there is actually a weird double standard here. There really is. There really is. I obviously do not give a that he touched my leg. I don't like, who cares? And I don't give a that he's making those jokes. But if I did any of this to a woman? My career would be destroyed. Destroyed. And people aren't gonna give a about this. And I, and I get, I don't either because I'm an adult. Like, who gives a shit? But-

• 1:21:05Speaker 03

  It's a bad double standard.

• 1:21:07Caleb Hammer?

  It's insane. Doesn't mean you should do it, though. I'd probably practice not being a weirdo. Okay, in the cart on Amazon is a desk and chair. You don't need it. Shut the up. You do not need a desk and chair, asshole.

• 1:21:21Speaker 03

  To work from home?

• 1:21:22Caleb Hammer?

  There's the Galinda wand? There's a? I'm sure you're able, you're doing it now already.

• 1:21:28Speaker 03

  What am I doing?

• 1:21:29Caleb Hammer?

  Working from home?

• 1:21:30Speaker 03

  No, I'm not. I'm still working in the office.

• 1:21:31Caleb Hammer?

  Okay, work on your lap. What do you think a laptop is? You know what a laptop is?

• 1:21:35Speaker 03

  They gave me a laptop.

• 1:21:36Caleb Hammer?

  There you go.

• 1:21:36Speaker 03

  And I got a monitor, but like, I don't have a-

• 1:21:38Caleb Hammer?

  I don't get, I don't give a about that. Nope, don't need it. Put it on your kitchen counter? Kitchen table? Anything like that? Come on, that's what everyone does. Shut the up. Keyboard, mouse? Coffee machine, brewing basket, bullshit? And the Galinda wand of moronic and dumbassery of stupid? This is so stupid. And the subscriptions? Apple care, I'm okay with that. Apple music? You can have one of the music things? And then iCloud? It's not the worst. Um, we did have Apple one, Myo Q, Apple TV, Apple Arcade, Amazon Photos. What?

• 1:22:07Speaker 03

  Yeah.

• 1:22:07Caleb Hammer?

  And Fitch self-care pet.

• 1:22:09Speaker 03

  Finch, you know what Finch is?

• 1:22:10Caleb Hammer?

  Nope.

• 1:22:11Speaker 03

  It's a self-care pet. It's really cool.

• 1:22:13Caleb Hammer?

  That's right, I just said it was self-care pet. But I, that did not, you are an actual beast.

• 1:22:21Speaker 03

  Okay. Did you put your number in there?

• 1:22:25Caleb Hammer?

  I would be canceled. I would be so canceled if I was doing this to a woman. I would be destroyed.

• 1:22:33Caleb Hammer?

  Our culture is so backwards. Cause you shouldn't be canceled for this. You can be made fun of for this.

• 1:22:41Speaker 03

  I'm gonna be made fun of for this.

• 1:22:42Caleb Hammer?

  Good. You deserve it. But also...

• 1:22:45Speaker 01

  Low energy, unfocused, foggy. You might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body. With a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade. Hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 1:23:14Caleb Hammer?

  We should also be able to tell them to shut the cup at the same time. Like, there is a middle ground here, guys. There is a middle ground. 97 cents in savings. You're a joke. 170... or any balance, 223 in retirement. What a fucking joke. Embarrassment.

• 1:23:30Caleb Hammer?

  A sad excuse...

• 1:23:34Caleb Hammer?

  ...of a human. Okay, your income is $2,400. Let's get these debt minimums to payments if you're actually a adult. $345.11 for the car. The Beyond repayment service, $128.72. NF... N?

• 1:23:54Speaker 03

  NFM.

• 1:23:55Caleb Hammer?

  Is... yeah, M, okay. $54. And we have to make $425 to the care credit so that it gets paid off before deferred interest hits. Quicksilver, $150, probably, once you catch up. City Double Cash, probably $150, once you catch up. Then Discover, $150. That is debt minimum payment of $1,402.83.

• 1:24:19Speaker 03

  That's just for debt?

• 1:24:21Caleb Hammer?

  Yes, chunky, chunky 425, so you pay off the credit before the deferred interest hits. So we honestly probably won't be able to do that and we gotta absorb it, so we might have to take it down from 1,402 dollars. 1,402 dollars and 83 cents. Minus 425 and then to the normal 71 dollar minimum payment, so, or 1,048 dollars and 83 cents. What's your portion of rent?

• 1:24:52Speaker 03

  Um, 680.

• 1:24:56Caleb Hammer?

  Your portion of utilities, internet, gas, electric, all that good shit?

• 1:25:00Speaker 03

  I literally had a book written down with all of this shit for you.

• 1:25:02Caleb Hammer?

  Come on, it doesn't have to be an exact number, come on.

• 1:25:05Speaker 03

  For utilities, 120.

• 1:25:08Caleb Hammer?

  Okay.

• 1:25:09Speaker 03

  That's my half.

• 1:25:10Caleb Hammer?

  Your phone bill?

• 1:25:12Speaker 03

  My parents pay for that.

• 1:25:13Caleb Hammer?

  Okay, do helium if T-Mobile's good in your area. Once you are done, they use the same towers.

• 1:25:19Speaker 03

  Yeah, I do have T-Mobile, so.

• 1:25:20Caleb Hammer?

  Well, there you go. That's a much cheaper version. Same service. Okay, transportation, vroom, vroom, drive, drive, gas. How much?

• 1:25:28Speaker 03

  Well, I do live close to the, uh...

• 1:25:30Caleb Hammer?

  How much?

• 1:25:32Speaker 03

  Sorry, uh... It's 40 dollars to fill up my tank. I probably fill it up twice a month now, so 80.

• 1:25:40Caleb Hammer?

  Our insurance?

• 1:25:42Speaker 03

  235 a month.

• 1:25:45Caleb Hammer?

  This is already getting beyond tight.

• 1:25:47Speaker 03

  Yeah.

• 1:25:48Caleb Hammer?

  300 dollars for food, use the meal plan that comes with the budgeting class when you take it.

• 1:25:55Speaker 03

  Oh, someone's pulling up.

• 1:26:00Caleb Hammer?

  Take the program and then do the meal plan. It's totally fine. It's based on HEB here, but you're gonna have something similar there, especially like a Walmart. TP fund, anything else you need to survive, 100 dollars. I can throw in extra 15 for prep if you need it. Ha, ha, ha. Uh, medical, healthcare.

• 1:26:15Speaker 03

  Prep, like prep? Like HIV prep?

• 1:26:18Caleb Hammer?

  Yeah.

• 1:26:18Speaker 03

  That was a funny gay joke.

• 1:26:20Caleb Hammer?

  I mean, don't a lot of, doesn't like everyone take prep these days?

• 1:26:24Caleb Hammer?

  Dude, if you're taking, if you're slinging come on Grindr, take prep.

• 1:26:27Speaker 03

  Hearing you say slinging come is crazy.

• 1:26:30Caleb Hammer?

  Really?

• 1:26:31Speaker 03

  Yeah.

• 1:26:31Caleb Hammer?

  I say degenerate shit every 30 seconds in my life.

• 1:26:33Speaker 03

  Yeah, but like...

• 1:26:34Caleb Hammer?

  That's almost the most normal thing that came out of my mouth today so far.

• 1:26:37Speaker 03

  I know, but like I'm across from you and like I got like the full rage face and everything and you're just like...

• 1:26:43Speaker 03

  Talking about slinging cum and...

• 1:26:46Caleb Hammer?

  Are you not taking prep?

• 1:26:47Speaker 03

  I was, but no, I'm not.

• 1:26:49Caleb Hammer?

  Now you're just not getting any?

• 1:26:50Speaker 03

  Correct.

• 1:26:51Caleb Hammer?

  So you stopped taking it? Yeah, I called it, by the way.

• 1:26:54Speaker 03

  I stopped taking it before. I stopped getting it.

• 1:26:56Caleb Hammer?

  Why? I want you to have the-

• 1:26:58Speaker 03

  Because it was like, it was one of those like self, uh, like, where you had to like swab yourself and every time I sent in the swabs, they were like, it was inconsistent. They needed like more of my swabbing and I just like could not figure out how to do it myself.

• 1:27:15Caleb Hammer?

  I don't know what the [bleep] you're talking about, but okay.

• 1:27:17Speaker 03

  Well, you wouldn't because you're not gay and you haven't-

• 1:27:20Caleb Hammer?

  Sure, people take prep as well, but I'm-

• 1:27:22Speaker 03

  Do you have to like swab all your orifices for that?

• 1:27:26Caleb Hammer?

  When I do, uh, STD, STI tests-

• 1:27:28Speaker 03

  You're not taking it to ass, are you?

• 1:27:30Caleb Hammer?

  No, but I still take tests.

• 1:27:32Speaker 03

  You still have to like test that?

• 1:27:33Caleb Hammer?

  Well, swab what? I don't know what you're swabbing.

• 1:27:35Speaker 03

  They swab your mouth? They swab your asshole? They swab-

• 1:27:40Caleb Hammer?

  I've never had an asshole swab, but I do a pee in the cup, blood test and then something for my cheek as well.

• 1:27:45Speaker 03

  Yes.

• 1:27:45Caleb Hammer?

  So STD, STI, of course, when we're having some fun, yes. Absolutely. You gotta be safe. Okay, how much for healthcare? How much? Oh dude, how much do you spend on medical on a monthly basis? Copays or whatever? Therapy? I don't know.

• 1:27:59Speaker 03

  Well, since I just turned 26, I got kicked off my parents' insurance.

• 1:28:03Caleb Hammer?

  Good.

• 1:28:03Speaker 03

  So now I have the health insurance through my new job.

• 1:28:08Caleb Hammer?

  Okay, which is like a HSA plan. HSA is a health savings account, dude. What are you talking about? Okay dude, okay, that gets taken out before your net pay, but I'm saying copays. Do you have an ongoing thing on a monthly basis that requires copays? How, this, you're struggling with this question more than anyone ever on this show.

• 1:28:27Speaker 03

  Let's say like a hundred and thirty dollars.

• 1:28:29Caleb Hammer?

  Okay, one thirty, geez, okay. I'm assuming that's like therapy and shit. Is there a gym?

• 1:28:33Speaker 03

  No.

• 1:28:36Speaker 03

  What, you got something to say about?

• 1:28:38Caleb Hammer?

  Yes, you're fat. Go to the gym. Okay, I'm gonna put in thirty dollars for the gym. Subscribe. Do you not want to get healthier?

• 1:28:48Speaker 03

  I do, I do, I do.

• 1:28:49Caleb Hammer?

  There you go.

• 1:28:50Speaker 03

  I do, I'm sorry.

• 1:28:51Caleb Hammer?

  And the, again, the budget-friendly cookbook and the meal plan.

• 1:28:53Speaker 03

  Do you have like a little like workout thingy too?

• 1:28:55Caleb Hammer?

  No, but you have the, why? It's, that's not finance related, but the food part is. Subscriptions, I will try to do thirty, let's see if it works, let's try to do forty. Um, okay, pet, pet food, how much? It's just one cat, right?

• 1:29:08Speaker 03

  It's one cat.

• 1:29:09Caleb Hammer?

  How much for pet food?

• 1:29:11Speaker 03

  Forty dollars is about.

• 1:29:13Caleb Hammer?

  Okay, what's the age and health of the cat?

• 1:29:15Speaker 03

  He is four years old.

• 1:29:17Caleb Hammer?

  Okay, pet insurance, fifty bucks, because obviously you can't afford shit when shit happens. Anything else that needs to be in your budget that I need to take into account before this is done?

• 1:29:25Speaker 03

  Um, like the debt to the, to my old bank. Because I think that went to collections. That five thousand from the sugar daddy scam thing.

• 1:29:36Caleb Hammer?

  Is there a monthly payment on that?

• 1:29:38Speaker 03

  No.

• 1:29:39Caleb Hammer?

  How does the payment work back? What have you talked to them about?

• 1:29:41Speaker 03

  I'm not paying it. I paid a little bit of it, like I would go in, because they closed my account with them. So I have, I would have to go into the branch and be like, hey, here's a hundred dollars towards my, uh, closed account that, uh, got closed by you guys. And then I stopped doing that because I decided I didn't.

• 1:29:58Caleb Hammer?

  Okay, well, we're not really freaking out about collections right now. It's not great, but obviously it's holding you back your credit. Okay, you're underwater on a minimum monthly basis by four hundred fifty-three dollars and eighty-three cents. And that's what's making your required minimum monthly payments, not the minimum monthly payment that would be needed to pay off the, I mean, it's clear that obviously you need to fix your behavior is number one, or else there's no point to anything, even if you make more money. But number two, it's time to actually look into getting into a career. A career that you like, a career that is dignified, a career that you can see a long trajectory on, something you can move up the ladder and bring in money. Right now, you don't make shit. You need to make money. Right now, you're gonna go get a second job

• 1:30:40Caleb Hammer?

  to be able to at least break even and hopefully start bringing down the debt after you change your behavior. While you're looking for a more full-time career position. That's what you're doing. Maybe you take a certification to course Chris and something you desire. An actual career field that isn't psychology. Psychology is a career field. Not much you can do with just a bachelor degree. As far as I know, though, you might have to go back, but either way, I don't want you to go back. And you certainly, I don't want you being the person talking to people that need help.

• 1:31:08Caleb Hammer?

  I mean, come on. Okay.

• 1:31:11Speaker 03

  You're not wrong. No, I agree.

• 1:31:12Caleb Hammer?

  No, I'm not. So you're gonna go make more money right now with a second job. You're gonna bring in an extra minimum.

• 1:31:21Caleb Hammer?

  Four fifty-three, I'd bring in an extra seventy, seven hundred and fifty bucks. You're gonna work your ass off. You're working sixty, seventy, eighty hours a week. You're grinding to pay off this debt. And then maybe besides the Subaru and the debt consolidation, maybe you'll be able to pay off the debt in a couple of years. But get into an actual career field you like and then change your behavior while you go through that process. And start buckling down, paying down the debt, build up an emergency fund. And then you need to catch up on retirement too, because that's going to be heavily delayed going into your thirties and forties. If you continue down this path. But again, all this is broad, easier said than done. None of it matters if you don't change your behavior. So follow the budget we made. Go work your second job right now and start, take some career assessments and take.

• 1:32:03Caleb Hammer?

  You need to get a better job. There's lots of things that are easier said than done that need to be done right now, but that's, those are the things you have to do. Have to do. Join us in the post show. We're gonna bring in the lesbian and we're gonna talk about some more things we, I guess there's always extra shit. That's crazy that I find out. It's wild. Let's get the hammer financial score first. Spending in the budget, you overspent zero out of ten debt, you have collections, zero out of ten. Emergency fund, there was nothing in savings, zero out of ten, retirement. Uh, I'm not even considering that anything zero out of ten, real estate, you have nothing zero out of ten. Actually, retirement is a one out of ten.

• 1:32:35Speaker 03

  Yeah.

• 1:32:36Caleb Hammer?

  One out of ten, because Lisa's there. Hammer financial score point five out of ten. Get yours at Calebhammer.com. Now click that join button, join Hammer Elite for an extra 20 minutes of this episode and every other episode of the Financial Out of Post Show. And three premium shows posted every single day, Monday through Friday. I'll see you guys there. Why are you friends with him? He's a mess. He is a mess.

• 1:32:55Speaker 07

  I um, kinda can't get rid of him. What has it been like being his friend? Watching him like circling the drain. Seeing all the decisions he's made in life. I try to steer him in the right direction, but he just won't go in that direction.

• 1:33:08Speaker 06

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• 1:33:52Speaker 06

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