I’m Going To Get Sued For This | Financial Audit

💰The Brand New Hammer Elite App & Hammer For Life Box launches June 1st Get first access by joining our waitlist: https://hamr.link/waitlist *I MADE THEM CALL THE BOSS* - the confrontation was EXPLOSIVE, I can't belive this person actually thought they were the victim... watch here: ➡️ https://bit.ly/chpostshow 💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP ====================== ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:24 Job & Income 03:30 It Shouldn't Be This Difficult lol 07:00 Hmmm Getting Fired For Replying? Interesting. 11:00 Chat, Did She Deserve To Get Fired? 13:30 Oh Shes One Of Those BIRTHDAY PEOPLE 16:15 Professional Victim lol 24:10 Getting Kicked Out Of Your Hotel Is CRAZY WORK 28:13 omg we're calling the hotel lol 33:45 Imagine Booking A Flight To Get A Haircut looool 36:40 Anecdotal VS Multi-sourced Data HAHAH 39:30 NGL She Kinda Cooked Calebs Cut 42:00 Shes A Sugar-Baby??? 54:00 Shes Too Old To Be Collecting.. Dolls 59:30 She Wants A Gun :smile: 01:03:00 YOU PAID FOR THIS, YOU THE TAX PAYER 01:10:00 Reminder: Caleb Is STRAIGHT.. 01:13:20 20% INTEREST RATE CAR BROOOO 01:20:40 420 lol lol lol hahaha 01:22:00 Bullsh*t Bullsh*t Bullsh*t 01:28:00 Budget!! (not really) 01:30:17 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:27Speaker 01

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• 0:56Caleb Hammer?

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

• 0:59Speaker 03

  I just had a okay.

• 1:00Caleb Hammer?

  Just work, dude, just work.

• 1:03Speaker 03

  I give a, I took the client just fine.

• 1:05Caleb Hammer?

  You told Lindsay that you thought your manager was jealous because you think you're better looking and the manager's a natural born woman.

• 1:12Speaker 03

  She's jealous that I'm a hot tranny.

• 1:15Caleb Hammer?

  Your right eye is further from your nose than your left eye. But why were you here at 8 a.m. this morning? Because you got kicked out of your hotel that we sent you to. You little freak. We sent everyone to like the same few hotels. You're the first one to get kicked out. But no, no, you got tits as well.

• 1:29Speaker 03

  Those were free. Free.

• 1:31Caleb Hammer?

  No, how was it free?

• 1:32Speaker 03

  Colorado taxpayers.

• 1:37Speaker 03

  Why would I pay for it if I can get it for free?

• 1:41Caleb Hammer?

  June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never-before-seen Financial Audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar, June 1st. This is the best membership you'll ever join, and that is a promise.

• 2:12Speaker 03

  I'm Jade, I'm 28, from Denver, Colorado, and you're watching Financial Audit.

• 2:18Caleb Hammer?

  Yes, you are, and you're on it. Thanks for coming over to Austin.

• 2:21Speaker 03

  You're welcome.

• 2:22Caleb Hammer?

  What do you do in Denver for a living?

• 2:23Speaker 03

  Um, I'm a barber. I cut hair, you know, do men's hair.

• 2:27Caleb Hammer?

  Oh, okay.

• 2:28Speaker 03

  Things like that, you know?

• 2:29Caleb Hammer?

  Thoughts?

• 2:30Speaker 03

  Turn around, I think you kinda need a haircut. And your neckline's kind of...

• 2:33Caleb Hammer?

  I need a haircut, yes, it's going on.

• 2:35Speaker 03

  Yeah, tell your barber not to block off your neckline. You look like a little boy.

• 2:39Caleb Hammer?

  Little boy?

• 2:40Speaker 03

  Little boy.

• 2:41Caleb Hammer?

  Okay.

• 2:42Speaker 03

  It just looks cleaner when you like taper it, you know?

• 2:44Caleb Hammer?

  Well, she said I was hotter in person, so I guess she's into the little boys.

• 2:48Speaker 03

  I said cuter.

• 2:49Caleb Hammer?

  Cuter. That's what you want to hear when you're into little boys, apparently.

• 2:52Speaker 03

  No, no, no. Hear me out.

• 2:53Caleb Hammer?

  Okay, little boy lover.

• 2:54Speaker 03

  You will tell kids that they're cute. You don't tell kids that they're hot.

• 2:58Caleb Hammer?

  So barber?

• 2:59Speaker 03

  Yeah. Yeah.

• 3:02Caleb Hammer?

  Very good. What do you make?

• 3:04Speaker 03

  Uh, well, I don't, I don't really know. It depends.

• 3:07Caleb Hammer?

  Well, you know, that's a...

• 3:08Speaker 03

  I told you I was a barber.

• 3:10Caleb Hammer?

  That's the first question in Financial Audit.

• 3:11Speaker 03

  I'm a tip boy.

• 3:13Caleb Hammer?

  Okay, very good.

• 3:14Speaker 03

  I also make hourly and commission.

• 3:16Caleb Hammer?

  How much you make on average from your tips?

• 3:17Speaker 03

  I don't know.

• 3:18Caleb Hammer?

  And then your commission, and then your hourly. You combine it.

• 3:20Speaker 03

  I don't know. If I knew, do you think I'd be here?

• 3:24Caleb Hammer?

  Yes, because most people know what they make and they're still...

• 3:28Caleb Hammer?

  I do not know how to go through the rest of this conversation without a number I can put down for how much you make.

• 3:34Speaker 03

  I can like guess. It's on...

• 3:36Caleb Hammer?

  I don't know how reliable the... Okay, what, what's, what's your hourly?

• 3:40Speaker 03

  It would be 12.50 an hour, plus commission.

• 3:43Caleb Hammer?

  That commission better be good, because 12.50 an hour in Denver ain't gonna do shit.

• 3:46Speaker 03

  Well, no shit.

• 3:48Caleb Hammer?

  Yes.

• 3:48Speaker 03

  But I have my own apartment, so must be doing something.

• 3:51Caleb Hammer?

  Most people can get their own apartment.

• 3:53Speaker 03

  Not without roommates.

• 3:55Caleb Hammer?

  No, you can get an apartment. I mean, they'll...

• 3:57Speaker 03

  But paying for it, I'm not evicted. There's no evicted notice.

• 4:00Caleb Hammer?

  Is that the... Do you want a round of applause for this? Like...

• 4:04Speaker 03

  Kinda.

• 4:06Speaker 03

  But like

• 4:07Caleb Hammer?

  Well, you're not gonna get it. That's some basic shit and I see it behind the payment immediately on the first document, but we'll get into that. That's just what's in front of me. So I don't think there's too much to celebrate here. I'll be completely honest, but okay. So you're a barber, but you don't know how much you make. Great. Well, maybe.

• 4:24Speaker 03

  A little bit.

• 4:25Caleb Hammer?

  What do you think? Commission? Commission wise? Let's, let's just try that. Okay. Wait, wait, wait. Actually, first $12 an hour? How many hours do you work?

• 4:31Speaker 03

  Uh.

• 4:31Caleb Hammer?

  Let's start there.

• 4:32Speaker 03

  I don't know. Forty-five a week. I'm always making over time.

• 4:36Caleb Hammer?

  That's pretty good.

• 4:36Speaker 03

  Yeah. One of the top employees there.

• 4:39Caleb Hammer?

  Okay.

• 4:40Speaker 03

  Until you got me fired.

• 4:41Caleb Hammer?

  You bragging? I don't know. I got you fired.

• 4:43Speaker 03

  Yeah. You got me fired.

• 4:45Caleb Hammer?

  I have never been to Denver.

• 4:47Speaker 03

  So, but your attitude, you know, I was watching you and then I had a little incident with my manager. I don't know.

• 4:53Caleb Hammer?

  You're watching me? You fu- what did, were you mimicking my attitude to your clients?

• 4:57Speaker 03

  It kind of rubs up. Not my clients, it's my manager.

• 5:01Caleb Hammer?

  Did you tell your manager she was spending out of her budget?

• 5:06Speaker 03

  No.

• 5:06Caleb Hammer?

  What was the, what?

• 5:07Speaker 03

  But your attitude is contagious. I wanted to.

• 5:10Caleb Hammer?

  When people are being bad, was she being bad? I don't think that's me getting you fired. I think that's you getting fired.

• 5:16Speaker 03

  I have an attitude.

• 5:16Caleb Hammer?

  Oh, shit. Wait, that mean, you do have an attitude problem, by the way, but mine.

• 5:20Speaker 03

  Yeah, but it's deserved.

• 5:21Caleb Hammer?

  Well, I was gonna say, mine comes from how the people act.

• 5:24Speaker 03

  So does mine.

• 5:25Caleb Hammer?

  Yeah, but I don't know. You kind of came in here like a

• 5:28Speaker 03

  Cause I said that you were cute.

• 5:29Caleb Hammer?

  No, cause you don't know

• 5:30Speaker 03

  Because.

• 5:31Caleb Hammer?

  You don't know your pay, but now I think we do know your pay. Your pay is zero. You got fired.

• 5:37Speaker 03

  Now, yeah, but I, you know, I'm

• 5:39Caleb Hammer?

  Well, but that's your, that's your income.

• 5:41Speaker 03

  I'm gonna get unemployment. I can find a job.

• 5:43Caleb Hammer?

  No, no, no, no, no. But if we're talking how much you make from this job, there is no job.

• 5:47Speaker 03

  Well, I'm gonna freelance. I have clients that want me.

• 5:49Caleb Hammer?

  Okay, so how much do you make from the clients that want you?

• 5:53Speaker 03

  Uh, I, three, four thousand dollars for May. And that's not including

• 6:00Caleb Hammer?

  Okay.

• 6:00Speaker 03

  It's not including my tips.

• 6:01Caleb Hammer?

  Are you c- are you including your tips?

• 6:04Speaker 03

  Not cash. There are no taxes on tips.

• 6:06Caleb Hammer?

  Three thousand, huh?

• 6:07Speaker 03

  No tax on tips, so.

• 6:09Caleb Hammer?

  Depends on your income level, but uh, essentially, yeah, I mean, you, you'd be fine, but you're right, but no, no, no. I'm talking about how the clients are paying you. Your clients. What are your clients? How are they paying you? In what way?

• 6:21Speaker 03

  What do you mean?

• 6:22Caleb Hammer?

  Oh my goodness, how are you collecting the payment through your cl- Where are you cutting your client's hair?

• 6:28Speaker 03

  Oh, I don't know. I mean, it's not, it could be their house.

• 6:32Caleb Hammer?

  Dude, this, okay, this is gonna be an impossible conversation.

• 6:35Speaker 03

  I've thought about going and getting.

• 6:36Caleb Hammer?

  So you do know?

• 6:37Speaker 03

  I have ideas.

• 6:40Caleb Hammer?

  Where did you, where did you cut their hair and the 3,000 hours that you made?

• 6:43Speaker 03

  Where was I before?

• 6:45Caleb Hammer?

  No, no, you said you made 3,000 directly from your own clients.

• 6:49Speaker 03

  Going to.

• 6:50Caleb Hammer?

  Oh, you're going to?

• 6:52Speaker 03

  Yeah, we're just now.

• 6:53Caleb Hammer?

  Hey, where's this going to? Why aren't you now? Why is it going to instead of doing now?

• 6:58Speaker 03

  I got fired and then I came here.

• 7:00Caleb Hammer?

  When did you get fired?

• 7:01Speaker 03

  Like a week ago.

• 7:02Caleb Hammer?

  Knows your attitude.

• 7:03Speaker 03

  Allegedly.

• 7:04Caleb Hammer?

  Okay, well, I don't think that's me. But why weren't you trying to make any money within the last week? I would have been freaking out trying to cut as much hair as possible, just to let you know.

• 7:12Speaker 03

  Well, because I got my tax returns in, so I didn't need it to.

• 7:16Caleb Hammer?

  What did you get? Did you even claim everything properly? Who even knows?

• 7:19Speaker 03

  Yeah.

• 7:20Caleb Hammer?

  Okay, how much did you get? What did you get? That doesn't mean you claimed it properly.

• 7:25Speaker 03

  How does it not?

• 7:26Caleb Hammer?

  What did you get back?

• 7:28Speaker 03

  Federally, I got back close to 3,000 and I'm still waiting back from state.

• 7:34Caleb Hammer?

  Oh, you want to call the manager that fired you on the post show?

• 7:37Speaker 03

  Yeah, because she's a.

• 7:38Caleb Hammer?

  Okay, we probably will. I mean, I love a good fight. I don't think she's a, you probably got fired because, I mean.

• 7:44Speaker 03

  No, she is a.

• 7:45Caleb Hammer?

  What did, what was her reason when she said you got fired?

• 7:49Speaker 03

  Do you want the first incident or the incident that I technically got ruined?

• 7:51Caleb Hammer?

  Yes, if you just got fired, tell me. I need to know. I knew the whole thing. No. That's, come on, that's not possible. Don't be a dick. Don't be a dick.

• 7:59Speaker 03

  You were not there. I literally just said, okay. I had a client book last minute, then he called and was like, hey, I'm gonna be late. Why are you gonna book appointment 10 minutes before something and then still be late? That's so stupid. So I was just making a comment about how that's annoying. No one was up there except for me, the front desk girl and the manager. And my manager's like, yeah, it's annoying, but we can't change anything about it. Because I knew that policy already because I've been there longer than her. I helped open that store. Um, I just said, I just said, okay.

• 8:35Caleb Hammer?

  Just fucking work, dude, just work.

• 8:37Speaker 03

  I give a, I took the client just fine.

• 8:40Caleb Hammer?

  That you thought your manager was jealous because you think you're better looking and the manager's a natural born woman.

• 8:47Speaker 03

  I don't care what she is.

• 8:48Caleb Hammer?

  But you, you said that to Lindsay.

• 8:49Speaker 03

  Yeah, exactly. She's jealous that I'm a hot tranny and she can be, she's Shrek, not human Shrek.

• 8:57Caleb Hammer?

  Your right eye is further from your nose than your left eye.

• 9:01Speaker 03

  So?

• 9:01Caleb Hammer?

  I bet her proportions are normal. Fine, let me see.

• 9:04Speaker 03

  She has Nemo boobs.

• 9:06Caleb Hammer?

  I'd rather have that than an eye that's trying to jump from my face.

• 9:10Speaker 03

  Wow.

• 9:11Caleb Hammer?

  I mean, I'm just saying.

• 9:14Speaker 03

  That is so rude.

• 9:15Caleb Hammer?

  Well, a couple, you were shitting on her. I'm gonna shit back for what it's worth. I mean, if you're trying to talk about looks, I don't even care about the natural. I mean, if I was like shopping for.

• 9:25Speaker 03

  You shop for women? Wow. Mail order bride.

• 9:30Caleb Hammer?

  Yeah, well, you know, capitalism.

• 9:32Speaker 03

  Plays into the incel energy.

• 9:34Caleb Hammer?

  Looking for someone, huh?

• 9:35Speaker 03

  I said, it plays into the incel energy.

• 9:37Caleb Hammer?

  Incel energy? I have a girlfriend.

• 9:40Speaker 03

  How much was she? I have to unblock her to find, um.

• 9:43Caleb Hammer?

  Love, but even still, even without the girlfriend, incel is involuntary celibate. I have never had an issue. Where's my incel energy? I even.

• 9:57Speaker 00

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

• 10:22Caleb Hammer?

  Just called you, I called you by your preferred pronouns even. How am I possibly incel?

• 10:26Speaker 03

  I don't know. I mean, you hate women.

• 10:29Caleb Hammer?

  Well, I don't. I love women. In fact, I very.

• 10:31Speaker 03

  The way you talk about them, the way you talk about their bodies and how you hate fake titties.

• 10:36Caleb Hammer?

  I hate fake titties. That's not anything, that's not anti-woman. In fact, I like their natural titties.

• 10:40Speaker 03

  Weird.

• 10:41Caleb Hammer?

  I love women in their natural state.

• 10:43Speaker 03

  The way that you go on and on and on about it.

• 10:45Caleb Hammer?

  About fake titties? You're just insulted because you got some fake titties because you couldn't grow them naturally.

• 10:50Speaker 03

  That's because I'm a skinny legend. If I was fat, maybe I could.

• 10:54Caleb Hammer?

  I do got some titties. That's true.

• 10:57Speaker 03

  Yeah, mine are prettier.

• 10:59Caleb Hammer?

  Mine jiggle.

• 11:00Speaker 03

  So do mine. You wanna see?

• 11:03Caleb Hammer?

  No, absolutely, I do not. I do not. I've seen too many unconsensual tits on the show.

• 11:07Speaker 03

  I didn't say unconsensual, I asked. It was no unconsensual.

• 11:10Caleb Hammer?

  Well, I know, but I'm saying I've seen too many unconsensual. I ripped dudes on their parents all the time. The episode we just uploaded yesterday with and his 180% VA cooking disability.

• 11:20Speaker 03

  Barely mean to him, bro.

• 11:22Caleb Hammer?

  Barely mean to him.

• 11:23Speaker 03

  Barely mean to him. You are mean to women more so than you are to men.

• 11:28Caleb Hammer?

  I don't know. That sounds like you're like a weird terminally on bullshit, terminally online bullshit, because here's what we're dealing with here. Here's him, lowest IQ in financial audit history, class three on the thumbnail. Yes, we were so nice. Dude, you're just obsessed with being a victim. What are you talking about? We're just as mean to everyone. We get more women that come on the show, so we upload more women, you could say that. But we're just as mean. I'm just as mean specifically to everyone. I thought you were gonna show me a picture of the person that's

• 12:02Speaker 03

  I told you I blocked her.

• 12:04Caleb Hammer?

  Okay, well then I don't really give a So you think you're fired because you were hotter for being not natural? Well, she's natural and not as hot?

• 12:12Speaker 03

  That's one of the reasons.

• 12:14Caleb Hammer?

  Okay, is it that? Or is it because you were a to her because you interviewed for the manager position and she got it over you?

• 12:22Speaker 03

  Well, no, she was upset that she didn't get a party and no one clapped or no one.

• 12:27Caleb Hammer?

  I think she fired you because you were a because you wanted the job. You didn't get it. She did. Yes, because you wanted the job.

• 12:34Speaker 03

  No, no, no, I, yeah, sure, I wanted a job because I've been there since day one, but

• 12:39Caleb Hammer?

  Doesn't matter. That's not how people get promoted. That is not how anyone

• 12:43Speaker 03

  I had more clients than her. I had more loyalty than her.

• 12:46Caleb Hammer?

  Loyalty. Loyalty from clients or loyalty to the business?

• 12:50Speaker 03

  Both.

• 12:50Caleb Hammer?

  Um, I don't know, that's kind of hard to manage.

• 12:52Speaker 03

  I was also a certified trainer, so I was training all the new people.

• 12:57Speaker 03

  I mean,

• 12:58Caleb Hammer?

  they probably see her as a better manager. Again, you do have an attitude.

• 13:01Speaker 03

  Obviously not when everyone hates her at work.

• 13:03Caleb Hammer?

  You have an attitude.

• 13:05Speaker 03

  When it's deserved. When she's coming at me, telling me that my health issues don't matter because she didn't feel appreciated at her manager announcement.

• 13:15Caleb Hammer?

  What are you talking, what even is that?

• 13:16Speaker 03

  What do you mean, what is that?

• 13:17Caleb Hammer?

  Your health issues are an issue with her getting celebrated by being a manager? What the fuck are you talking about?

• 13:22Speaker 03

  Uh, I went to the urologist because I was pissing blood. I'm okay.

• 13:26Caleb Hammer?

  Well, did you cut it off?

• 13:28Speaker 03

  No, I like sex too much.

• 13:30Caleb Hammer?

  That would have done it, but.

• 13:32Speaker 03

  Done what?

• 13:34Caleb Hammer?

  Bleed, but either way, I don't know how that's connected to her not feeling happy of the celebration and lack thereof.

• 13:42Speaker 03

  Well, I clapped. I told her congratulations in a nice way.

• 13:46Caleb Hammer?

  Let's just be honest.

• 13:47Speaker 03

  I also rescheduled my appointment to be at that meeting for her to show my support.

• 13:54Caleb Hammer?

  What an amazing person. Let's just be very clear. You put it on her, even just bringing up this being more mean to women thing than men, which is just objectively untrue unless you're weird terminally online Reddit brained. The thing is, you want to put yourself in a victim category. I'm sure there'll be a third example here soon. You just, everything is against you, against the world. You're an immediate victim out of the gate and it's not a good look. You can't take any responsibility. In fact, number three, there it is. You said, I'm the reason you got fired. You can't take any accountability. You really did become a woman, didn't you?

• 14:26Speaker 03

  Well, that's the point, right? It's the whole point of being trans.

• 14:32Caleb Hammer?

  Okay, very good. So how the fuck are you gonna survive? We don't allow people to come on with a show with no income, but you must've got fired before you even got here, before you applied. Hey, you had to have. Okay, so what's going on? Okay, and then now even more, you're experiencing your discrimination while working there. Because nobody decorated your station for your birthday. Shut the fuck up.

• 14:54Speaker 03

  That's where it started.

• 14:56Caleb Hammer?

  You're not discriminated against. You're not a victim. You're in Colorado. No one gives a. No one cares. No one gives a shit that you're trans. Who cares?

• 15:07Speaker 03

  I don't think it was because of that.

• 15:09Caleb Hammer?

  Then what were you discriminated against for? Cause you're a woman? Is that what you're saying? No.

• 15:13Speaker 03

  That's not what I'm saying.

• 15:14Caleb Hammer?

  Then what were you, because you're white?

• 15:15Speaker 03

  I'm not white, actually. My grandmother's full-blooded Cherokee and lived on the reservations.

• 15:21Caleb Hammer?

  Bitch, I got 25% native. You're white.

• 15:24Speaker 03

  It's cause I live in Colorado. You go and try and tan up there.

• 15:27Caleb Hammer?

  Denver's still one of the sunnier cities.

• 15:29Speaker 03

  Just because there's sun doesn't mean your skin could absorb the rays.

• 15:32Caleb Hammer?

  What?

• 15:34Speaker 03

  Have you been to Colorado?

• 15:35Caleb Hammer?

  No, but I don't think that's what's required to understand.

• 15:38Speaker 03

  The altitude?

• 15:39Caleb Hammer?

  Uh huh, closer to the sun. So, either way.

• 15:42Speaker 03

  Because there's less oxygen, your skin cannot absorb the UV rays of the sun.

• 15:47Caleb Hammer?

  Maybe that's true, maybe it's not. I don't really give a f- what were you discriminated against is my question.

• 15:51Speaker 03

  I just think that she's a MAGA-supporting dumbass that fires every minority that has worked there.

• 15:58Caleb Hammer?

  You're not a minority. Well, I guess trans, but you said that's not even why you were fired.

• 16:03Speaker 03

  I mean, it might not be, but like-

• 16:05Caleb Hammer?

  Your grandma being 1% native is why you were fired?

• 16:08Speaker 03

  I didn't say my grandma was 1% native. I said she was full-blooded Cherokee and she lived on the reservations. Are you deaf?

• 16:14Caleb Hammer?

  Maybe.

• 16:15Speaker 03

  Do I need to speak louder?

• 16:17Caleb Hammer?

  I just have a hard time listening to this. I don't know, you're just kind of a bitch? You're kind of a- So, it's difficult for me, honestly.

• 16:25Speaker 03

  Yeah, I'm angry. I got fired.

• 16:26Caleb Hammer?

  Yeah, but she said it was cause of me.

• 16:28Speaker 03

  And now I'm freelancing and I, I'm gonna have income. I already have income.

• 16:33Caleb Hammer?

  Well, what? That's what I asked at the first question. But either way, you're discriminated against because you're, let's do the math, 25% Indian? Like me, we're the same.

• 16:41Speaker 03

  Okay.

• 16:42Caleb Hammer?

  That's why you were fired? You're saying you're discriminated because you're Indian?

• 16:45Speaker 03

  I don't know.

• 16:45Caleb Hammer?

  Not because you're a bitch? Okay.

• 16:49Caleb Hammer?

  What was your discrimination? No, if you're gonna claim discrimination, which might go legal, tell me.

• 16:53Speaker 03

  I don't know. I really feel like she just did not like me and that has to play a part.

• 16:59Caleb Hammer?

  Cause your bad wig? Like what?

• 17:00Speaker 03

  This is my hair.

• 17:01Caleb Hammer?

  Oh, and you cut hair? Shit.

• 17:04Speaker 03

  You think my hair's bad? Let me see your hairline.

• 17:07Caleb Hammer?

  Okay.

• 17:10Speaker 03

  Okay, well, it's not that bad.

• 17:11Caleb Hammer?

  No, it's not that at all. I just got a big-

• 17:13Speaker 03

  That side's a little-

• 17:14Caleb Hammer?

  No, I'm getting a couple grays, but I'm just, I thought it was a wig.

• 17:17Speaker 03

  No, you didn't.

• 17:18Caleb Hammer?

  No, I, I thought it was a wig.

• 17:21Speaker 03

  Okay, you can keep telling yourself that, sweetie.

• 17:24Caleb Hammer?

  It's, it's not gonna even tell myself. This is, I thought it was. That's fine. It does, now you've corrected me. Now I know it's not. It's okay.

• 17:32Speaker 03

  Uh.

• 17:33Caleb Hammer?

  No, the discrimination thing. I just don't get it.

• 17:36Speaker 03

  Anyone can call discrimination.

• 17:38Caleb Hammer?

  Okay, so this is why no one believes anything anymore. You've ruined it. When people-

• 17:44Speaker 03

  I ruined it?

• 17:44Caleb Hammer?

  Yeah, when people claim victimhood and discrimination, no one believes it because of people like you. Now you're just saying, anyone can claim discrimination, but you can't even tell me what you're discriminated on. It's like, yes, you're the reason-

• 17:53Speaker 03

  Multiple different things.

• 17:54Caleb Hammer?

  But you can't give me anything. Tell me something.

• 17:59Speaker 03

  Well, you said it was stupid that I didn't get my station decorated for, but they do it for everyone.

• 18:04Caleb Hammer?

  What was the discrimination? Why were you discriminated against specifically? You already said it was because you, not because you were trans. You said she's MAGA or something. I, I don't know what that, what, were you wearing a Biden or a Kamala shirt?

• 18:17Speaker 03

  You, no.

• 18:18Caleb Hammer?

  What the, what the, what the, what you, so that has nothing to do with anything then? So what were you discriminated on? If you're going to claim that, if you're gonna claim victimhood on everything, what were you discriminated?

• 18:29Speaker 03

  I mean, it's hard to say. It could be the trans thing. It could-

• 18:33Caleb Hammer?

  Then you weren't discrimi-, shut the f- up.

• 18:35Speaker 03

  It's just fishy that I was such a good f- worker, a client.

• 18:40Caleb Hammer?

  To you. You thought. Everyone thinks they are.

• 18:42Speaker 03

  That's why all my clients are pissed off that I'm not there anymore. They've all hit me up and I'm freelancing and I'm gonna have-

• 18:47Caleb Hammer?

  Yeah, maybe, but you're also the disgruntled former employee. That always happens to everyone who got fired. Welcome to every fired employee ever.

• 18:56Speaker 03

  Okay.

• 18:56Caleb Hammer?

  It means nothing. You can't even claim discrimination. You try to say it was my fault, saying it's because she's MAGA. You're saying it's because, uh, because she thinks you're prettier than her, the natural born, in your words, to Lindsay, I guess. I, I don't know. You keep, it's just so many different things. I don't know. You're victim and everything. No personal responsibility, no accountability. You throw it at me. And again, it just makes no sense. It's lining up with everything. I'm sure there'll be victimhood on this. You're saying I'm meaner to women. No. You're, it's just, I'm meaner to you because you're a, because you're a bitch, because you're delusional, because you're f- up. Just like the guy yesterday too. You're just a victim wannabe victim. You can't describe anything. How did I get you fired? No. Cause my attitude? No, you're a bitch.

• 19:38Speaker 03

  Your attitude rubbed off on me.

• 19:39Caleb Hammer?

  Yeah, and I don't treat people like that.

• 19:42Speaker 03

  Yes, you do. You were talking-

• 19:43Caleb Hammer?

  What? On this show, absolutely-

• 19:45Speaker 03

  You treat people like shit?

• 19:46Caleb Hammer?

  On the show that you signed up for, yes. I'm saying to my manager, to my boss, anytime I've ever been in those situations, no. To a police officer getting pulled over, no. I know when to and when not to. You're just, you don't know how to.

• 20:00Speaker 03

  She's coming at me-

• 20:01Caleb Hammer?

  What do you mean coming at you?

• 20:02Speaker 03

  Like in a condescending like-

• 20:04Caleb Hammer?

  Tell me, tell me.

• 20:04Speaker 03

  Well, she's coming at me with attitude. Like when I said, when I told her okay, she later was like, huh, uh. It had this-

• 20:11Caleb Hammer?

  You're a bitch about it, you're probably like, okay.

• 20:13Speaker 03

  I just said okay and I walked away.

• 20:14Caleb Hammer?

  Doubt it. Highly doubt it. No one-

• 20:16Speaker 03

  But you're gonna fire somebody for saying okay?

• 20:18Caleb Hammer?

  Because you probably came into it with an attitude. What would she say?

• 20:21Speaker 03

  What do you mean, what did she say?

• 20:22Caleb Hammer?

  What would she say if we asked her right now? I know we're calling her in the post show, but if we asked her right now-

• 20:28Speaker 03

  She would just probably say that I had an attitude and that I, you know, I was not, I didn't fit the culture or the fat meme.

• 20:34Caleb Hammer?

  Okay, and what about your previous job? You said you were sexually harassed by a massage therapist when you were working at a med spa.

• 20:39Speaker 03

  I was.

• 20:40Caleb Hammer?

  Okay, what happened there?

• 20:41Speaker 03

  Me and everyone else.

• 20:42Caleb Hammer?

  Yeah, and everyone else.

• 20:44Speaker 03

  Well, me and a few other girls. It wasn't like everyone else, but-

• 20:47Caleb Hammer?

  What? What actually happened? Because, no, no, no, before you actually say it, before you actually say it. Cause this is, cause, cause sexual harassment, very bad. So it's discrimination. So it's discrimination. But going off of where you are and your mindset and how you are essentially destroying our culture with your like false claim bullshit. Because you just said the discrimination. Now you are what has diluted that entire conversation. Cause you couldn't describe discrimination of any kind. And now it's just impossible to believe you on anything. So what was the sexual harassment? Try to not over sensationalize.

• 21:17Speaker 03

  Okay, well, I'd have this massage therapist that constantly be like, Jade, when are you gonna let me touch you? When are you gonna let me rub you down? And that he was also gross, smelled like BO.

• 21:26Caleb Hammer?

  Was it, if he was hot, how would you have felt?

• 21:29Speaker 03

  I mean, those questions are still not how you're supposed to ask.

• 21:32Caleb Hammer?

  Oh, that's, thank you for answering that question like that. Uh huh. It's the meme. It's the workplace meme. Like, hey Sharon. Or Shannon or whatever.

• 21:41Speaker 03

  Who cares though, you know? And I told him multiple times to stop. He would come up behind me and where we would do laundry and touch my back or my ass.

• 21:50Caleb Hammer?

  Why didn't you start with that? If that's actually, that's actually like, that might be even like assault more than anything. But you didn't start with that. You said, you started with a question. You see how I can't trust you? You see how people like you have ruined all, all trust in this world for claims?

• 22:05Speaker 03

  I've ruined all trust in swirling claims. I didn't.

• 22:07Caleb Hammer?

  Yes.

• 22:08Speaker 03

  How?

• 22:09Caleb Hammer?

  With your discrimination thing. This sexual harassment thing you started with, oh, he was stinky and nasty and said he wanted to give me a massage. And then after I pushed back on that, you're like, well, no, he also came up behind me and grabbed my ass. It's like you had to push the goalpost because.

• 22:23Speaker 03

  I was getting.

• 22:23Caleb Hammer?

  Your original claim was obviously nothing. You've ruined drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans. And they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y refi comes in. Y refi works specifically with borrowers who can't get refinancing through traditional lenders.

• 23:08Caleb Hammer?

  It's their whole thing. They refinance private student loans. So you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower released from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y refi. Head to Y refi.com slash hammer. That is Y R E F Y dot com slash hammer or call triple eight Y refi 78. That is eight eight eight Y refi 78. Break free from the high interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app.

• 23:51Caleb Hammer?

  You start with the classic one, Y nab, but everyone just deletes it because it's way too complicated to you. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. They'll play these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

• 24:32Caleb Hammer?

  Download it now, start the free trial, dollarwise.com, link in the description below.

• 24:37Speaker 03

  I've not ruined it.

• 24:38Caleb Hammer?

  Even if what, even if he actually did that, which would be very wrong, and I would be against them and I'd beat his ass for you, you've made it so it's impossible to believe. Because you're oversensationalizers, you're moral masturbators, you're weirdos that have ruined our culture online and in our country.

• 24:54Speaker 03

  I have not ruined our culture.

• 24:56Caleb Hammer?

  With your claim of discrimination.

• 24:57Speaker 03

  I didn't claim it yet.

• 25:00Caleb Hammer?

  On the show, here you did. And then you said, well, because he's stinky and said, when are you gonna want to get a massage?

• 25:06Speaker 03

  He did not say.

• 25:07Caleb Hammer?

  That's how you opened. When you want to get a massage. When you want to get rubbed down, which is weird. But then you said, which is bad because he's stinky.

• 25:13Speaker 03

  I didn't say it's bad because he's stinky.

• 25:14Caleb Hammer?

  Kind of, that's how you were saying it.

• 25:16Speaker 03

  I said anti it, like he's just like.

• 25:17Caleb Hammer?

  That's how you were kind of framing it.

• 25:19Speaker 03

  I was trying to paint the picture, okay?

• 25:20Caleb Hammer?

  That's how you're framing it, exactly. That's what I'm saying. That's how I'm saying, but your attitude of you being a bitch, guess what? You're not a victim. Before filming this episode, why were you here at 8 a.m. this morning? Because you got kicked out of your fucking hotel that we sent you to. You fucking little freak. We sent everyone to like the same few hotels. You're the first one to get kicked out.

• 25:37Speaker 03

  Well, there are.

• 25:38Caleb Hammer?

  I don't think other people are the problem. So how are you the victim in that? How are you the victim in that? Let's hear it.

• 25:44Speaker 03

  When you're being nice at first, you'd be like, hey, we just want to know if you can help us out because we had no hot water, we had no A.C., the microwave wasn't working. Comfort Suites?

• 25:54Caleb Hammer?

  What? That's not where we sent you.

• 25:56Speaker 03

  Well, I didn't book it.

• 25:59Caleb Hammer?

  What are you talking about? Okay, okay, okay, so you're being nice. Well, actually, the water just wasn't hot enough.

• 26:05Speaker 03

  No, it literally was not working. I tried it for 30 minutes.

• 26:09Caleb Hammer?

  Go ahead, continue. You are a goalpost pusher. The moment you get any kind of pushback, but go ahead. Story changes at all times. Continue.

• 26:17Speaker 03

  And then he was?

• 26:18Caleb Hammer?

  Hire you the victim in this, yes. Let's learn.

• 26:20Speaker 03

  We tell him what was going on.

• 26:22Caleb Hammer?

  Was he thinking gross?

• 26:23Speaker 03

  No, but he was rude. He immediately was like, uh-uh, no, we're not doing shit for you.

• 26:29Caleb Hammer?

  Doubt this. The hotel, the guy at the front desk is not saying that.

• 26:33Speaker 03

  He didn't say shit, but like, he still was just like, we are-

• 26:36Caleb Hammer?

  And this is why we can't believe anything. This, she is, this is the person on TikTok who is trying to cancel someone for like rubbing up against her in a subway. This is the person on Reddit who is trying to hold everyone accountable. This is the person that has ruined all, all things in our cancel culture bullshit. There was a correction that happened with cancel culture and it was good because many people were not being held accountable. But it went way too far with people like you who just claimed victimhood on everything. And the moment you get pushed back, you have to make up shit.

• 27:09Speaker 03

  I better don't claim victimhood.

• 27:10Caleb Hammer?

  What? That's all you've done for 22 minutes now.

• 27:13Speaker 03

  But sometimes, you know, I am the victim. I literally was sexually harassed and then I literally had a manager that had to get out to get me in some sort of fashion.

• 27:23Caleb Hammer?

  And then now this guy was a complete dick to you and then he actually really said nothing.

• 27:26Speaker 03

  No, he was rude.

• 27:28Caleb Hammer?

  But you just said he said nothing.

• 27:29Speaker 03

  He told me I was not allowed to talk.

• 27:30Caleb Hammer?

  The story is changing all the time.

• 27:31Speaker 03

  I was only gonna talk to my friend because she's passive.

• 27:34Caleb Hammer?

  Yes, because you were probably being crazy. Absolutely, that's a fair response.

• 27:37Speaker 03

  No, I just said the F word. I said, we had no hot water.

• 27:40Caleb Hammer?

  Oh, come on, if you're going down there like, I, we don't have any hot water.

• 27:44Speaker 03

  That's not how I said it to him.

• 27:46Caleb Hammer?

  You're right, you were probably a sassy, even worse.

• 27:49Speaker 03

  No.

• 27:49Caleb Hammer?

  No shit, no shit. He was like, actually, I'm gonna talk to your friend because you're being too much.

• 27:54Speaker 03

  Well, no, it's because he tried saying that we, that the shower worked. It didn't work, we had no hot water.

• 28:00Caleb Hammer?

  I don't believe you. You've ruined all credibility for yourself.

• 28:03Speaker 03

  That's why when I went back to get my charger, they were fixing the sink or the faucet in the shower.

• 28:08Caleb Hammer?

  So why the? Did he kick you out?

• 28:12Speaker 03

  Because he wanted to, because they were probably fully booked and they wanted to fit in.

• 28:16Caleb Hammer?

  What was his reason? Okay, I'm being told they threatened to call the police. They wouldn't threaten to call the police because you said.

• 28:22Speaker 03

  It is true.

• 28:23Caleb Hammer?

  No, they would not say that. See, this is why I can't believe anything you say.

• 28:26Speaker 03

  We don't want to go get them? There's cameras in that hotel.

• 28:29Caleb Hammer?

  This is why I can't believe anything you say. They would not threaten to call the police because you say, "We don't have any [bleep] out water." That would not happen in no real world would that happen.

• 28:40Speaker 03

  Well, I guess we're not in the real world, are we?

• 28:41Caleb Hammer?

  He gave you thirty minutes to leave, threatened to call the police. This would not happen if you just said a.

• 28:46Speaker 00

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

• 29:11Caleb Hammer?

  Bad word.

• 29:12Speaker 03

  Yeah, it is though. I said it twice and he was mad.

• 29:15Caleb Hammer?

  Should we call the hotel and ask?

• 29:17Speaker 03

  I mean, if you want.

• 29:18Caleb Hammer?

  What would they say?

• 29:19Speaker 03

  I don't know, they'd probably be confused.

• 29:23Caleb Hammer?

  Well, they have weird shifts there. I don't know. I need to know exactly what hotel it was.

• 29:27Speaker 03

  It was Comfort Suites, Austin Airport.

• 29:30Caleb Hammer?

  Austin Airport?

• 29:32Speaker 03

  Yeah, because we're in Austin.

• 29:34Caleb Hammer?

  Yeah, this is not where we really.

• 29:35Speaker 03

  It's by the airport.

• 29:36Caleb Hammer?

  Yeah, I know, this is not where.

• 29:38Speaker 03

  The hotel that you said, uh, [bleep] was expensive.

• 29:42Caleb Hammer?

  Yes, but we, it's reimbursed!

• 29:44Speaker 03

  Yeah, but you have to have the [bleep] to have the money in your account to buy the [bleep] ticket, which I didn't.

• 29:51Caleb Hammer?

  We don't know if you guys are gonna, because you got sort of the least reliable people you can believe.

• 29:56Speaker 03

  What are the least reliable people? You guys don't answer your phones.

• 30:05Speaker 04

  Good morning. Thank you for calling Comfort Suites Austin Airport. This is Tina. May I assist you?

• 30:09Caleb Hammer?

  Hi Tina, are you working at the front desk?

• 30:12Speaker 04

  Yes, sir.

• 30:13Caleb Hammer?

  Hi Tina, there was an incident this morning with uh, they are guests on our financial audit show here in Austin. We put them up in Comfort Suites Airport. They were kicked out and threatened to call the police on them. I was wondering if you could give me more information on that since that's where we booked them.

• 30:32Speaker 04

  Uh, the GM was trying to explain. They were trying to get a comp night for the one they stayed the first night because they didn't have no hot water. So their shower wasn't working. We moved them. As soon as we moved them, maintenance went in to check uh, that room that they were in. Everything was working. Uh, we did move them into a beverage suite. Uh, and so they were trying to come back or get a late checkout for tomorrow. And my GM said that was not possible. And then her guest uh, just started, started talking and he asked her to, to, to hold on because he was speaking to, I believe, was on the reservation. And

• 31:13Speaker 04

  her guest used some language towards him several times and he asked her to stop and she continued. So he asked them to leave.

• 31:21Caleb Hammer?

  What?

• 31:21Speaker 04

  Because he did not want to.

• 31:24Caleb Hammer?

  Oh, okay. So the, she was being disruptive?

• 31:28Speaker 04

  Yes, the guest of.

• 31:31Caleb Hammer?

  Okay. Well, what kind of language was she using? Was she being hostile towards?

• 31:36Speaker 04

  She was, she was, she was uh, I'm not, I'm not sure. I was here, but I was doing other stuff. So, but I know that was the altercation this morning.

• 31:45Caleb Hammer?

  Okay. Is uh, is your coworker okay?

• 31:49Speaker 04

  Uh, it was our GM.

• 31:51Caleb Hammer?

  Is your GM okay?

• 31:52Speaker 04

  And he is, yes, he is fine.

• 31:55Caleb Hammer?

  Okay. Anything else we should know about this?

• 31:59Speaker 04

  Uh, no, sir. If you have any more questions, you can call our GM. He'll be back uh, here in a little while or first thing in the morning if you want to know the property.

• 32:08Caleb Hammer?

  Oh, okay. Understood. It was the GM. Wow. Okay. The, the, the, the, the call of the threatening to call the police is what kind of concerned me here. Um, why did it get pushed to such extreme level? I'm wondering.

• 32:21Speaker 04

  Yeah, that's something you would have to ask him. Like I said, I was here and that was kind of what I heard going on, but I was sitting at the other desk and you know, I was here at the counter as well, but you know, there was so much going on this morning.

• 32:31Caleb Hammer?

  Okay, so just confirming one more time. So they stayed there and they were essentially trying to, it sounds like rip the system a little by trying to get the room comped that they were in because they were complaining about not hot water and then you guys went in and found there's hot water. And so you actually found out that they were lying about that so that they could get a free stay.

• 32:54Speaker 04

  And then they were, we were moved them to a bigger suite.

• 32:57Caleb Hammer?

  Oh, you moved them to an additional suite. Okay. Okay. Thank you for the confirmation. I really appreciate it.

• 33:04Speaker 04

  Mm-hmm. Okay.

• 33:05Caleb Hammer?

  You're not a victim. You're a lying bitch and I don't believe anything you've said about any allegations in the past about anyone around you. You're a bad person and no one believes anything because of heads like you.

• 33:14Speaker 03

  I'm not a [BLEEP] head.

• 33:16Caleb Hammer?

  Well, I also heard you're kind of, didn't you guys have like methadone on you?

• 33:20Speaker 03

  What?

• 33:21Caleb Hammer?

  Or something like that?

• 33:22Speaker 03

  No.

• 33:22Caleb Hammer?

  My security guard told me.

• 33:24Speaker 03

  What? No.

• 33:26Caleb Hammer?

  I'm just saying, he told me. It's the first thing, first thing that happened when I walked in.

• 33:30Speaker 03

  I'm not okay with, that is not in my bag. That is not, I'm not a [BLEEP] addict.

• 33:34Caleb Hammer?

  Okay, okay. I'm just saying.

• 33:36Speaker 03

  I don't even know, like.

• 33:37Caleb Hammer?

  I don't know. I'm just saying that's literally the first thing he told me when I walked in the door and then I told Brandon. So like, I wasn't making up that that happened. I will believe you that didn't, I will, that's fine. I'll believe you that that did not happen. But, uh, I'm just saying, my security guard told me that.

• 33:53Speaker 03

  Okay.

• 33:53Caleb Hammer?

  So you lied to me, which means I unfortunately can't believe your assault thing, which unfortunately also means I can't believe your harassment thing or your firing thing. You are a liar. Don't believe, you're the reason why people, people won't believe women. You are the reason! Yes, do you not get this? Do you not understand this? I've had this [BLEEP] happen to me and people around me. People like you are horrible. You've ruined it. You have a slightly negative experience. You over sensationalize it and you just swore our [BLEEP] culture.

• 34:22Speaker 03

  Sensitive and can't handle.

• 34:22Caleb Hammer?

  Sensitive? You tried to get a free room. They moved you to a bigger, better suite.

• 34:26Speaker 03

  We tried getting the first night comped because I didn't have my hot water to take a shower.

• 34:30Caleb Hammer?

  And then they went there and they proved that it was wrong and they put you guys in a bigger suite anyway. You guys are trying to milk this system and get some free [BLEEP] money, disgusting, degenerate piece of shit.

• 34:40Speaker 03

  They're annoying.

• 34:42Caleb Hammer?

  I'm annoying because you got called in your shit for the first time in your life.

• 34:45Speaker 03

  No, not the first time.

• 34:46Caleb Hammer?

  So you probably deserved to get fired. You probably were not harassed. No one believes you and unfortunately, no one believes anyone anymore because of people like you. You Reddit TikTok brain freak. You're a piece of disgusting shit. So I'm glad you got fired. I'm glad you don't have money to pay this.

• 35:01Speaker 03

  I'm glad I got fired too.

• 35:02Caleb Hammer?

  You're a bad person. So you're gonna make $3,000 a month now? How are you gonna do that? Your little clients, your little clients, little freelancing, but you haven't made a penny. You haven't made a penny. Where's your penny? Where's your money? How are you gonna make 3,000? You don't have a plan. Where's your plan?

• 35:13Speaker 03

  I do have a plan. I can go to their house. They can come to my house. I have my tools.

• 35:19Caleb Hammer?

  That's it? You have no, do you have anything on the books?

• 35:23Speaker 03

  Yeah, I have a few clients on the books.

• 35:25Caleb Hammer?

  Okay, but I'm being told you're planning on moving to New Jersey immediately anyway. So how the fuck are you gonna, you're not taking your Colorado clients there?

• 35:31Speaker 03

  No, I mean, some of them won't come out there.

• 35:33Caleb Hammer?

  No, they know they will not for a barbarous appointment? No.

• 35:38Speaker 03

  Okay.

• 35:39Caleb Hammer?

  No, they won't. No one's going to.

• 35:42Speaker 03

  A couple of my clients would.

• 35:44Caleb Hammer?

  Why?

• 35:44Speaker 03

  Just because they love me.

• 35:46Caleb Hammer?

  You're delusional.

• 35:47Speaker 03

  I'm delusional?

• 35:48Caleb Hammer?

  Yes, you're delusional.

• 35:51Speaker 03

  That's why they're texting me, asking where I'm going, how, you know, all that stuff. Okay.

• 35:56Caleb Hammer?

  Because they probably want you back to get the haircut. I could believe that, but they're not gonna fly to New Jersey for a haircut.

• 36:02Speaker 03

  I didn't say all of them were, but one or two would.

• 36:05Caleb Hammer?

  Do they get anything on the side?

• 36:07Speaker 03

  No.

• 36:08Caleb Hammer?

  Then why would they? It makes no sense. It's a haircut. Haircut. Why are you moving anyway? You don't have money to move. How are you gonna move? You're not gonna afford to move? What are you gonna?

• 36:20Speaker 03

  I have my taxes. I have.

• 36:22Caleb Hammer?

  But you're gonna have to get like a new license over there, state by state? Okay, so your taxes, how much did you get?

• 36:27Speaker 03

  Uh, in total, it'll be like 4,000.

• 36:30Caleb Hammer?

  How much is left? How'd you even get that back? Why, why, why?

• 36:33Speaker 03

  Because tax, there's no tax on tips. They had like the deduction.

• 36:36Caleb Hammer?

  What, did you claim your tips? Did you pay money for your tips?

• 36:40Speaker 03

  My tips, I. Claim.

• 36:43Caleb Hammer?

  Okay, so it was automatically withheld from your tip, so that's why 4,000 back. 4,000 is just a lot. What the f- okay, I mean, for what it's worth, you're in the body, bottom 50% of earners and the bottom 50% of earners only contribute 1% to the federal income taxes. So we do have the most progressive income tax structure in the federal government in the Western world. So we're essentially redistributing wealth to you. You're welcome. I just wrote a big check. Congratulations.

• 37:08Speaker 03

  Thanks.

• 37:08Caleb Hammer?

  Yeah. So with that, you're gonna get a job in Jersey then. So that's how we're gonna pay off our debt? You're getting a job in Jersey?

• 37:20Speaker 03

  Yeah, maybe a cost of living and um.

• 37:23Caleb Hammer?

  What about cost of living? New Jersey's more expensive.

• 37:25Speaker 03

  No, it's about the same.

• 37:26Caleb Hammer?

  In Colorado?

• 37:27Speaker 03

  Yeah, Colorado's expensive.

• 37:29Caleb Hammer?

  It is, but the East Coast is like, besides like.

• 37:32Speaker 03

  Literally, it's literally around the same. My best friend lives in New Jersey.

• 37:36Caleb Hammer?

  Where in New Jersey?

• 37:37Speaker 03

  Uh, Wanaque-ish. Do you need help spelling?

• 37:42Caleb Hammer?

  Yes.

• 37:42Speaker 03

  W A N A Q U E, I think. I'm dyslexic, so you're asking the wrong person for spelling.

• 37:51Caleb Hammer?

  Okay, well, let me pull up some data on that. But, oh, what? But you just got an email yesterday saying that you're not able to get rehired at any location due to the nature of your separation. Oh shit, so this is a chain. And you were gonna try to go with, oh!

• 38:06Speaker 03

  When I was.

• 38:07Caleb Hammer?

  You deserve it. You deserve it. You're a bitch.

• 38:10Speaker 03

  No, I don't. I don't deserve to be.

• 38:11Caleb Hammer?

  Yes, you did. You're a cunt. Yes, absolutely. What's this chain? Doesn't matter anyway. You're not going back. What's the chain?

• 38:17Speaker 03

  Scissors and Scotch.

• 38:18Caleb Hammer?

  What?

• 38:19Speaker 03

  Scissors and Scotch.

• 38:20Caleb Hammer?

  I know, I've just never heard of it.

• 38:21Speaker 03

  Oh.

• 38:22Caleb Hammer?

  Um.

• 38:23Speaker 03

  They cut hair and they have a bar.

• 38:25Caleb Hammer?

  Okay, no. Uh, so Denver is 10% above national average. The Wanaque is 29% above national average. No, it's 15% higher.

• 38:34Speaker 03

  But when you actually have somebody that lives there, they can kind of give you.

• 38:37Caleb Hammer?

  That doesn't change cost of living.

• 38:38Speaker 03

  They can tell you how much rent is. I go there all the time, so I know how much groceries are.

• 38:43Caleb Hammer?

  Guys, because she knows one, someone, the statistics are just incorrect. That's actually, that's just how it works.

• 38:48Speaker 03

  That's how it goes.

• 38:49Caleb Hammer?

  That's how it works. It's a 15%.

• 38:51Speaker 03

  She's live data, though. What did you use? Chat GPT to give you that.

• 38:57Caleb Hammer?

  A search engine. Yes, we searched. I searched.

• 38:59Speaker 03

  You're too because you're just using AI.

• 39:03Caleb Hammer?

  What do you, as a search engine, not to.

• 39:05Speaker 03

  A real human that lives there?

• 39:07Caleb Hammer?

  You're using an anecdotal example versus where it, let's see where it got the data from. Okay, this came from bestplaces.net. Where does bestplaces.net take aggregate their data from?

• 39:16Speaker 03

  I don't know.

• 39:18Caleb Hammer?

  I'm asking in general. I also.

• 39:22Speaker 03

  But she lives there and her rent is about the same as mine. Groceries are about the same.

• 39:27Caleb Hammer?

  And apartments.com and Redfin.

• 39:29Speaker 03

  But she literally lives there.

• 39:32Caleb Hammer?

  Oh, and the Census Bureau. You know, I'd say census.gov is pretty good at that. So actually, it's confirmed by multiple choice.

• 39:38Speaker 03

  It depends on where you're at in those towns.

• 39:40Caleb Hammer?

  I did the metros for both of them. I did the metros. It's always going to depend a little bit more than where, at where it's at, but it is 15% higher cost of living.

• 39:48Speaker 03

  But at the same time, she says she's okay with me. I could find a job anywhere.

• 39:53Caleb Hammer?

  No, you can't. You actually just got told you're not going to be hired from those chains. So.

• 39:56Speaker 03

  And like.

• 39:56Caleb Hammer?

  Wait.

• 39:59Caleb Hammer?

  Oh, okay. I read that wrong. Yeah, the company you got fired from has multiple locations. I read it as you got fired multiple times.

• 40:04Speaker 03

  No.

• 40:05Caleb Hammer?

  Okay, so yeah, you're going to transfer salon, but you're not doing that because they're not taking you back because you're impossible to work with because you're a horrible employee.

• 40:12Speaker 03

  That was before I thought about New Jersey. That was a different state, but I have.

• 40:17Caleb Hammer?

  So what's your plan for New Jersey? Please tell me. So tax return, you got 4,000?

• 40:21Speaker 03

  Yeah.

• 40:22Caleb Hammer?

  How much is left?

• 40:23Speaker 03

  Um, three.

• 40:25Caleb Hammer?

  Wow, that's going very quick in a matter of like a week.

• 40:28Speaker 03

  Well, how to pay? Well, it's probably less than that because I had to pay rent.

• 40:31Caleb Hammer?

  Less than that. So what is it? Two? Two fifty? Twenty five hundred or two?

• 40:34Speaker 03

  Twenty five hundred.

• 40:35Caleb Hammer?

  Okay, at that rate, that will be gone in about a week and a half. So you're.

• 40:39Speaker 03

  Yeah, maybe. I'm a.

• 40:41Caleb Hammer?

  No, yeah. So what's your plan? What's your grand cross-country plan? No.

• 40:45Speaker 03

  I have a finesser.

• 40:47Caleb Hammer?

  Huh?

• 40:47Speaker 03

  I have simps that just like giving me money.

• 40:50Caleb Hammer?

  Why is it the ugliest people that get the most money? It makes no sense. This happens every. I mean, come on. Yes, okay, come on. Yes.

• 40:57Speaker 03

  Okay.

• 40:58Caleb Hammer?

  Which honestly, again, I know I'm like, I mean, I'm, I'm large. So it says I'm not a 10 out of 10 either, but following the logic of the show, that actually means I could make the most amount of money via simp.

• 41:08Speaker 03

  People in Austin and yeah, I'm not ugly.

• 41:11Caleb Hammer?

  Austin's one of the youngest cities, actually incredibly stunning, beautiful.

• 41:15Speaker 03

  I don't think so.

• 41:17Caleb Hammer?

  Okay, but that's because you look in the mirror with that haircut and think it's good. So yes, we're not bailing you as a source.

• 41:22Speaker 03

  Your haircut looks stupid too. Are you 14 with your broccoli top?

• 41:26Caleb Hammer?

  Is it a broccoli? Broccoli tops like this. I just have a little curl here.

• 41:30Speaker 03

  Exactly.

• 41:30Caleb Hammer?

  This is a little.

• 41:32Speaker 03

  14 year olds are perming their hair.

• 41:34Caleb Hammer?

  Well, you know, do you want to know the lore behind the perm? I'll tell you.

• 41:37Speaker 03

  The lore behind the perm?

• 41:39Caleb Hammer?

  Well, people think it is weird, validly, that I perm. It's because I was dared to do a perm.

• 41:43Speaker 03

  You were, and you kept up with it?

• 41:44Caleb Hammer?

  So I was dared to do a perm for the first time. So I did it in the week after I did the perm is when I recorded my first YouTube video. So it just kind of cemented that as my hairstyle. So I'm just like, ah shit, I'm locked in. Plus it's so much easier than styling your hair. Just go boop. So, okay, you're somehow simp-ing, which by, again, that logic, I guess I could make a shit ton of money. I don't really understand it.

• 42:04Speaker 03

  It kind of just depends on what I need and how much. I don't even have to do anything. They just want to talk to me.

• 42:09Caleb Hammer?

  You know, also, we're just, we're not considering your opinion on what people look like valid.

• 42:15Speaker 03

  Okay, I'm not taking your opinion.

• 42:16Caleb Hammer?

  Your eyesight's fucked, man.

• 42:18Speaker 03

  Yeah, I'm wearing contacts.

• 42:19Caleb Hammer?

  You see like 10 people at once looking in 50 different directions.

• 42:23Speaker 03

  Okay.

• 42:23Caleb Hammer?

  That shit's gonna be on the back of your head before the year's done.

• 42:26Speaker 03

  Yep, and then, yeah. I, ugh.

• 42:29Caleb Hammer?

  That shit's traveling. So either way, how much are you making from these, um, sugar daddies, of which I'm sure you provide sugar for?

• 42:36Speaker 03

  I actually don't. They're not sugar daddies because they're like my age.

• 42:41Caleb Hammer?

  Fine. Very good. How much by making them come?

• 42:46Speaker 03

  If they come on their own, that doesn't make me a. They're in their room gooning.

• 42:51Caleb Hammer?

  Oh, so it's for images?

• 42:52Speaker 03

  Not all the time. Sometimes it's just the tops. I literally have a guy that's like,

• 42:57Caleb Hammer?

  Congratulations, you're paying for fake tits and a dick.

• 43:00Speaker 03

  Some guys like that.

• 43:02Caleb Hammer?

  Some guys like that. What can I say?

• 43:04Speaker 03

  And you like saggy titties and men too?

• 43:07Caleb Hammer?

  No, I like them perky, but real.

• 43:09Speaker 03

  Okay.

• 43:10Caleb Hammer?

  Wait, and what?

• 43:11Speaker 03

  And guys?

• 43:12Caleb Hammer?

  No, I'm not. I'm not in the guys, but I appreciate. Yes, I am sure. I know. Ha ha. It's the meme. It's the financial auto meme.

• 43:19Speaker 03

  I think it's, I think it's the fact that you tell everybody that you dudes in high school or college, whatever.

• 43:23Caleb Hammer?

  Okay, one, I've never said that, but I thought I was bi in high school and early college. Yeah.

• 43:28Speaker 03

  Oh.

• 43:28Caleb Hammer?

  Never said what you said.

• 43:29Speaker 03

  You didn't them. You were the bottom. I got it.

• 43:31Caleb Hammer?

  No, okay. No, and also never did that, but I appreciate it. And it doesn't matter either way.

• 43:36Speaker 03

  Okay.

• 43:36Caleb Hammer?

  Either way, it doesn't matter how much you're making from the sugar because that's all there is. Right now, that's all there is. That and me redistributing my wealth to you.

• 43:47Speaker 03

  I suppose. I mean,

• 43:48Caleb Hammer?

  So how much you making from the sugar? Come on.

• 43:50Speaker 03

  I just told you it depends on how much I need.

• 43:52Caleb Hammer?

  Average.

• 43:53Speaker 03

  On average, like a grand.

• 43:56Caleb Hammer?

  So what's your cross-country plan? Cause you're not getting there at this rate. You're blowing through a grand and a half a week.

• 44:01Speaker 03

  I'm gonna, I'm gonna start freelancing, taking my clients here, saving up money, then I'm gonna go move to Jersey.

• 44:07Caleb Hammer?

  So where are you moving then?

• 44:08Speaker 03

  I haven't made that decision yet.

• 44:10Caleb Hammer?

  Oh, fuck yourself. Cause you haven't made a penny freelancing yet, so you haven't proved it. You haven't proved the model.

• 44:15Speaker 03

  Well, I've thought about just breaking my lease and going to hang out with her. Cause my friend said I could stay on her couch for three months to get, you know, income in Jersey.

• 44:23Caleb Hammer?

  What's that gonna be? Is it gonna be free? But you don't even know when you're gonna move there.

• 44:26Speaker 03

  Crash on her couch.

• 44:27Caleb Hammer?

  You don't even know you're gonna move there.

• 44:29Speaker 03

  Yeah, well, like.

• 44:30Caleb Hammer?

  When? You don't. So it's just, it's difficult.

• 44:33Speaker 03

  I'm gonna, I could break my lease and go tomorrow.

• 44:35Caleb Hammer?

  Break your lease? Where do you have the money to break your lease? It usually costs like a couple of months of rent.

• 44:39Speaker 03

  I just told you I am a finesser. I have sim.

• 44:42Caleb Hammer?

  No, yeah, but that's, what's your rent?

• 44:44Speaker 03

  Um, sixteen hundred.

• 44:47Caleb Hammer?

  Dude, that's gonna cost like maybe like four, four thousand five hundred to break your lease.

• 44:51Speaker 03

  Okay, well, I mean.

• 44:53Caleb Hammer?

  You sim for a thousand a month.

• 44:55Speaker 03

  I didn't say a month.

• 44:56Caleb Hammer?

  Yes, you did.

• 44:56Speaker 03

  I said each time.

• 44:58Caleb Hammer?

  What? A thousand for a couple of pictures?

• 45:00Speaker 03

  I didn't even say pictures.

• 45:02Caleb Hammer?

  What do they get for a thousand? Come on, be honest.

• 45:04Speaker 03

  It really depends. I literally have guys that will just send me like a hundred dollars for breakfast and not talk to me.

• 45:09Caleb Hammer?

  A hundred's not a thousand.

• 45:10Speaker 03

  I, I, that's why I said it depends.

• 45:13Caleb Hammer?

  You said each time. When you get a thousand, what have you done for that?

• 45:16Speaker 03

  Asked for it.

• 45:20Caleb Hammer?

  That doesn't make sense.

• 45:21Speaker 03

  You know, sometimes I'm just, sometimes-

• 45:22Caleb Hammer?

  So you can get forty-five hundred dollars today?

• 45:24Speaker 03

  Sometimes I spend money elsewhere and I overdraft.

• 45:27Caleb Hammer?

  How are you finding them? These pathetic worms.

• 45:30Speaker 03

  They just come up to me. Sometimes they're at the bars.

• 45:33Caleb Hammer?

  Incorrect.

• 45:34Speaker 03

  What do you mean incorrect?

• 45:35Caleb Hammer?

  That doesn't happen.

• 45:37Speaker 03

  It doesn't happen?

• 45:37Caleb Hammer?

  No.

• 45:37Speaker 03

  Guys, don't approach me at bars.

• 45:39Caleb Hammer?

  You, correct.

• 45:40Speaker 03

  Okay, got it. That's who paid for this pedicure.

• 45:45Speaker 03

  Don't look at my feet. You didn't pay for that? I don't know, I didn't ask. He paid for it.

• 45:51Caleb Hammer?

  Fine. Ask one of them for, uh, five hundred dollars right now. Let's see if you get it by the time this episode ends.

• 45:57Speaker 03

  Okay.

• 45:58Caleb Hammer?

  Yeah, five hundred bucks. Hey, baby. Need some money. However you do it, I don't know. June 1st, I'm launching the Hammer Elite app, available on every major platform. Exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering thirty percent off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but limited to the first one thousand people to purchase. For a one-time payment of five hundred dollars, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with merch you can't get anywhere else. You'll get a limited edition Caleb Hammer commemorative coin, a budget planner notebook, a Caleb Hammer credit card skin, Caleb Hammer emoji stickers, a limited edition Caleb Hammer plushie, a limited edition Hammer Elite mug,

• 46:42Caleb Hammer?

  a limited edition Hammer Elite hat, all packed inside a custom merch box. Once all one thousand boxes are gone, this offer is gone forever. Join the waitlist by using the link in the description or pinned comment down below. So mark your calendar, June 1st. This is the best membership you'll ever join, and that is a promise. That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money! We like free money. You can get up to two hundred dollars 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 Odd and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below.

• 47:25Caleb Hammer?

  Yeah, I want to see this. I want to see it.

• 47:29Speaker 03

  What?

• 47:29Caleb Hammer?

  I want to see that message.

• 47:32Speaker 03

  Oh.

• 47:32Caleb Hammer?

  I'm looking at this chat and I might regret it in many ways unfortunately, but for you, my content friends out there.

• 47:46Caleb Hammer?

  Hey, could you help me out here and send me like $500? Okay, I'm pushing send.

• 47:51Speaker 03

  Okay.

• 47:52Caleb Hammer?

  Good? Wait, how do we?

• 47:54Speaker 03

  You don't want to see anything?

• 47:55Caleb Hammer?

  No, no, no, I just, okay.

• 47:59Caleb Hammer?

  Okay, but let's just see general chat. Uh, okay, okay, safe, safe, safe, safe, safe, safe, good, okay. Got a client at two, I need to get ready, the near downtown, giving myself the time to drive. Let me know what hap-

• 48:14Speaker 00

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

• 48:39Caleb Hammer?

  And I'll hop in the shower. On my way. Okay, so you [bleep] him for the money.

• 48:43Speaker 03

  No, I don't [bleep] him. We literally just hung out and smoked a blunt.

• 48:48Caleb Hammer?

  Oh shit, I'll open the door, run up and shower. Why are we all showering then?

• 48:51Speaker 03

  I'm not showering.

• 48:52Caleb Hammer?

  Uber to you? Okay, BB, I'm hoping, anyway, I'm already just got here.

• 48:56Speaker 03

  And he was also somebody that I actually gave a chance to and he-

• 49:00Caleb Hammer?

  So you have [bleep].

• 49:03Caleb Hammer?

  Have you [bleeped]?

• 49:05Speaker 03

  I can't, no?

• 49:06Caleb Hammer?

  Okay, well, here's the conversation for the money. Okay, hold on.

• 49:11Caleb Hammer?

  What is this?

• 49:12Speaker 03

  What?

• 49:13Caleb Hammer?

  There is a picture that was sent. It was this, it was a picture of me and she said,

• 49:18Caleb Hammer?

  "This [bleep] lol."

• 49:23Caleb Hammer?

  Excuse me?

• 49:25Speaker 03

  He asked me who I was watching.

• 49:30Caleb Hammer?

  Absolutely. Excuse me right now. Thank you.

• 49:34Speaker 03

  I forgot that was there.

• 49:35Caleb Hammer?

  Okay. See, I know you're a liar. Um, do you sell pics? Ha ha. I mean, I have guys try to get at me, but I don't be giving them the time of the day. So yes, I do, you said. And I mean, I have, you also said. Ha, interesting. Thank you so much for giving me the time of day. I actually care about you.

• 49:55Speaker 03

  Also, pictures are prostitution.

• 49:57Caleb Hammer?

  Truly come from this unless we both make some serious changes. And he's like, yeah, I'm a swinger. So I want to do threesomes. I'll do 300 if you come over and 100 if you do tomorrow.

• 50:06Speaker 03

  And I didn't do that.

• 50:07Caleb Hammer?

  Yes, you did. Cause he said the money and you did go over.

• 50:10Speaker 03

  But not no weird threesome.

• 50:12Caleb Hammer?

  Oh my goodness. Wait, what's this? But yeah, it was a nice night, even the sexual part. You liar. You liar. This is why I go through the texts, ladies and gentlemen. This is why I go through the texts.

• 50:27Speaker 03

  But this is also a dude that I actually wanted a relationship with, but because he's into open relationships.

• 50:33Caleb Hammer?

  Also said, yes, you others often and have other sins.

• 50:36Speaker 03

  I didn't say often.

• 50:38Caleb Hammer?

  Yes, you did. It's here.

• 50:41Speaker 03

  Often's not there.

• 50:42Caleb Hammer?

  He responded, let's see. Are we getting $500, ladies and gentlemen or not? He said, ha, ha, ha, ha, what's going on? Just so I can pay a bill that's hitting.

• 50:53Caleb Hammer?

  Later today.

• 50:57Caleb Hammer?

  Babe.

• 50:58Speaker 03

  Yeah, that's fine. Like I said, he was somebody that actually wanted a relationship. He was somebody that I actually wanted a relationship with.

• 51:05Caleb Hammer?

  Yeah, and he wants to suck your.

• 51:06Speaker 03

  Well, that's what you do in relationships. You have sex.

• 51:09Caleb Hammer?

  For money.

• 51:10Speaker 03

  No, but like you have sex with your girlfriend. If she was down bad, wouldn't you give her a little money?

• 51:17Caleb Hammer?

  Uh, no.

• 51:18Speaker 03

  The way.

• 51:18Caleb Hammer?

  Fuck her. She can be responsible. She's figuring her shit out.

• 51:21Speaker 03

  Oh, maybe I'm figuring my shit out.

• 51:23Caleb Hammer?

  I get my girlfriend gifts, but right now she's figuring out her income situation even better.

• 51:27Speaker 03

  These are gifts.

• 51:29Caleb Hammer?

  No, I not, not, not like eBay gifts though.

• 51:34Caleb Hammer?

  So let's get into these finances then. Let's get into the numbers because now I understand we're coming from a place of you make $0, you're blowing through all your money, you suck dick for some money, or get your dick sucked for money, it's weird. You plan on moving across the country, you have no idea how to do it.

• 51:45Speaker 03

  If they just want to give me money, that's, who cares?

• 51:47Caleb Hammer?

  Shut the [__] up. Come on. You guys talked about how you were [__] and sucking. Shut up. I know how it worked, but even without that, what?

• 51:57Speaker 03

  What, what?

• 51:57Caleb Hammer?

  Do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best?

• 52:02Speaker 03

  Your little thing said-

• 52:03Caleb Hammer?

  The website, yes.

• 52:05Speaker 03

  Yeah, it said 2.5.

• 52:06Caleb Hammer?

  Very good. If you want the little thing, you can get it for free at CalebHammer.com. That is your hammer financial score. Take the assessment. It is free. Just takes a few minutes and you can see where you stand in the world of money. And if you don't want to be like a guest who ends up on this show, one, don't transition, two, or you can if you want. You can budget your transition by downloading DollarWise. Take the free trial, see if it works for you. Connect, automatic account connections, it's incredible. Most people take the annual version because it saves a lot of money. And when you do, I will personally sign our 30-day detailed meal plan and mail it directly to you. This meal plan is incredible. It comes with the digital version of the cookbook as well.

• 52:44Caleb Hammer?

  So it's yours. So you can meal prep now. You got all the meal plans. You can meal prep every single day. No more excuses. Okay, so again, like I said at the beginning of this conversation, you had a fee that immediately charged because you didn't pay your [__] card. You pathetic creature. What is wrong with you? What is wrong with you? Why are you not paying your [__] card? It was a $25 minimum monthly payment. You couldn't even do that. $30. $32.

• 53:10Speaker 03

  I forgot.

• 53:11Caleb Hammer?

  Automatic, automatic.

• 53:12Speaker 03

  Because I'm not, well, I don't like auto pay.

• 53:14Caleb Hammer?

  Why? Well, guess what? It loves you because you're [__] missing it.

• 53:18Speaker 03

  If it comes out and I don't have the money in there, it gets taken out anyway, then I get charged an extra $30.

• 53:23Caleb Hammer?

  Okay, well, that just happened anyway because you didn't pay it on time.

• 53:26Speaker 03

  I meant on my checking account.

• 53:28Caleb Hammer?

  Well, now it's happening in your credit card. It's hitting it somewhere.

• 53:30Speaker 03

  Well, why would it hit two places?

• 53:32Caleb Hammer?

  Well, it wouldn't because you would have paid it. But either way. By overdrafting, not that I'm advocating for that, trust me. But, okay, so you owe $468.48. So what's going on with this card?

• 53:43Speaker 03

  Um, well, there was a time where I couldn't get credit cards for a while.

• 53:47Caleb Hammer?

  Good. You shouldn't.

• 53:49Speaker 03

  And then I got my credit to a reasonable standpoint and, um, Credit Karma kept saying, "Oh, like you can get approved for all these credit cards." So I just decided to try since, um, before that I got a loan.

• 54:06Caleb Hammer?

  You're hitting them all. I like all these things. I like personal loans. I like credit cards. We have a credit card, um, uh, uh, matcher and application thing on calebhammer.com. Same with personal loans, cuz they're great. I love them. I use them. People should. You can't cuz you don't know how to manage your shit. It's for people who know how to. You can't.

• 54:26Speaker 03

  I mean, duh.

• 54:27Caleb Hammer?

  So what did you do with the loan?

• 54:29Speaker 03

  Duh, I got a nose job.

• 54:31Caleb Hammer?

  I couldn't tell.

• 54:32Speaker 03

  Thank God.

• 54:33Caleb Hammer?

  What the [__] did your nose look like before?

• 54:35Speaker 03

  Um.

• 54:36Caleb Hammer?

  Cuz we got like a Michael Jackson thing going on.

• 54:39Speaker 03

  No, you can see my nose. I still have one.

• 54:44Speaker 03

  Uh, it was very much a traditional, like, you know, Cherokee nose.

• 54:49Caleb Hammer?

  That's horrible. Not a normal nose.

• 54:51Speaker 03

  I mean, so now I understand why you think I look super white cuz I just...

• 54:55Caleb Hammer?

  Well, and also just like your skin color.

• 54:58Speaker 03

  Oh, yeah.

• 54:59Caleb Hammer?

  Okay, so you took out the loan for a nose?

• 55:02Speaker 03

  Yeah.

• 55:03Caleb Hammer?

  Thought it was to pay off the credit card. I thought that's where you were going with that.

• 55:06Speaker 03

  No.

• 55:07Caleb Hammer?

  What did you rack up? You just opened this card last year.

• 55:09Speaker 03

  I was saying that's what made me realize that I can get credit cards again.

• 55:12Caleb Hammer?

  Oh, for fuck's sake. Why? Cuz you were able to get the personal loan for the nose, so you're like, I can get credit cards?

• 55:17Speaker 03

  Yeah.

• 55:17Caleb Hammer?

  Oh, for [__] sake.

• 55:18Speaker 03

  I guess the only way I could get that loan is putting it in.

• 55:20Caleb Hammer?

  What are we doing?

• 55:23Caleb Hammer?

  Okay, so what did you rack up this credit card with in less than a [__] year?

• 55:27Speaker 03

  I don't know. Uh, sometimes DoorDash, sometimes the bar, sometimes, sometimes I'd buy like stuff on whatnot.

• 55:36Caleb Hammer?

  Whatnot? What's whatnot? I've heard of whatnot. We've had whatnot before. What is it?

• 55:40Speaker 03

  It's like the, uh, uh, auction app thing.

• 55:44Caleb Hammer?

  What are you auctioning?

• 55:45Speaker 03

  I don't auction anything.

• 55:46Caleb Hammer?

  What are you buying in auction?

• 55:47Speaker 03

  Brats. I fell down a little boo boo hole for a while.

• 55:50Caleb Hammer?

  Little boo boo, all for [__] me. But you fell off cuz everyone...

• 55:54Speaker 03

  I did.

• 55:54Caleb Hammer?

  It's brats. I think I've heard of brats.

• 55:56Speaker 03

  I have one.

• 55:56Caleb Hammer?

  Oh, of course you do. Everyone always brings their [__] little collectible, special little thing. Oh, that's Bratz. I know Bratz. Bratz is like OG. That's

• 56:05Speaker 03

  Yeah, she's from 2003.

• 56:07Caleb Hammer?

  Oh, you're breaking it. Why the fuck are you collecting this shit? It's not great.

• 56:12Speaker 03

  Because it's a good investment.

• 56:14Caleb Hammer?

  No.

• 56:14Speaker 03

  I'm creating generational wealth.

• 56:16Caleb Hammer?

  Dude, you're generational.

• 56:18Speaker 03

  Do you realize how much some of these cost?

• 56:20Caleb Hammer?

  Well, tell me, how much does it cost?

• 56:22Speaker 03

  Well, her, she's a little on the cheaper side, but I have dolls in my collection that can go up to like $700.

• 56:27Caleb Hammer?

  Sell them, please, please, please, please, please.

• 56:29Speaker 03

  Why would I sell them?

• 56:30Caleb Hammer?

  I guess you probably shouldn't before you change your behavior or else you'll end up in the same situation again.

• 56:33Speaker 03

  I would just buy more. Like, the only times I sell dolls for my collection is if I can buy one.

• 56:37Caleb Hammer?

  If we get this credit card paid off and you move across the country, all your money will just go to rack up the credit cards against on Bratz dolls?

• 56:43Speaker 03

  Maybe.

• 56:44Caleb Hammer?

  Then what are we doing? What's the point? What are you trying to do? What do you, what do you want for your life? You're a literal pathetic failure that blames everything on everything around you.

• 56:51Speaker 03

  Trying to move out of Colorado and then now

• 56:54Caleb Hammer?

  Why? Why do you have to move out of Colorado?

• 56:55Speaker 03

  Because it sucks. It's dry there. People there are boring. They're just granola, like

• 57:00Caleb Hammer?

  Okay, sure, fair enough.

• 57:02Speaker 03

  I don't hike and I don't ski. So what's the point?

• 57:04Caleb Hammer?

  Fair enough. Okay, that's fine. I got you. I got you. Okay, so you're trying to move back to Jersey, everyone's face, favorite state.

• 57:11Speaker 03

  The food's good. My best friend's there.

• 57:13Caleb Hammer?

  Best friend. There's he go. That's a good reason. So, okay, but what are we trying to do though? Because if we're just paying off debt so you can buy Bratz dolls again, it's like, is that what I'm enabling? Is that what I'm helping here?

• 57:25Speaker 03

  Like, I really want to move. I want, you know, I do want to like focus on that, but

• 57:32Caleb Hammer?

  That's it. This entire thing is for a move. Do you have to move furniture? What are we doing? Because moving is expensive, cross-country, if you want to take everything.

• 57:39Speaker 03

  If I was to move, I would just like put everything in my Jeep and

• 57:42Caleb Hammer?

  So what are, what are, what are we doing? What are you trying to do? What am I trying to do for you? What's the productive thing here?

• 57:48Speaker 03

  Help me out with my finances.

• 57:50Caleb Hammer?

  So you can

• 57:51Speaker 03

  Move to New Jersey.

• 57:53Caleb Hammer?

  That's it. After you move, your life is done.

• 57:55Speaker 03

  Now I need something to do with my eyelids. So, surgery?

• 58:00Caleb Hammer?

  I don't think they can move an eye.

• 58:02Speaker 03

  That's the first.

• 58:03Caleb Hammer?

  What? Let me see.

• 58:08Caleb Hammer?

  He asked, he asked if he can, he asked if she can pay him back.

• 58:15Speaker 03

  Well, he's been going through a lot right now. And he's waiting on, he just got a new job.

• 58:22Speaker 03

  And he's waiting on like that money to kinda take into effect. I know that.

• 58:27Caleb Hammer?

  Okay, let me try to manipulate.

• 58:29Speaker 03

  Yeah, that's usually what I do sometimes.

• 58:32Caleb Hammer?

  Yes, that's why I'm imitating. Okay, so this card, I mean, I'm being told you probably just racked it up in weed and shit, which kind of correlates with your DoorDash bullshit.

• 58:41Speaker 03

  Can you pull cash out on weed or on credit cards?

• 58:44Caleb Hammer?

  Well, I mean, you could cash out, do a, fuck, what am I thinking of? Cash advance, but no, that's probably not it. Okay, yeah, missed immediately and you got interest flowing, but even so, probably blames it up and then ordering DoorDash.

• 59:01Caleb Hammer?

  Let's continue though. Credit one. You know, if you have credit one, you have like the worst credit ever. Cause it's like the worst credit card you can get. It's horrible.

• 59:09Speaker 03

  I didn't know that, so I started watching your show.

• 59:11Caleb Hammer?

  Well, you still got it.

• 59:13Speaker 03

  I thought it was Capital One. I had it, I got it after.

• 59:15Caleb Hammer?

  That's what they think. That's what everyone thinks. It looks like Capital One in the mail. They get it and that's Credit One. It's horrible.

• 59:23Speaker 03

  One of their like partner, I don't know.

• 59:26Caleb Hammer?

  $492.34. So maxed out. No, I'm a max out credit limit is 300. How do you owe 500 on a $300 card? The [__] is what, you're past two multiple months already. What the, what are we, what are we, what are we doing? What are we doing? What the [__] are we doing? You're already two months behind. Now you owe a third month coming up. $69 a month is owed.

• 59:44Speaker 03

  Yeah.

• 59:44Caleb Hammer?

  Why? What is wrong with you? Why can't you at least just pay a $60 payment? Cause you weren't unemployed until a week ago.

• 59:52Speaker 03

  Well, cause sometimes I just forget or I don't want to.

• 59:55Caleb Hammer?

  No, no, there you go. It's not wanting to, cause you're not forgetting for three [__] months. Pathetic. What are we doing?

• 1:00:03Speaker 03

  Sometimes I don't have the extra money or I have to pay a different bill and some bills are more important. Like rent, my car.

• 1:00:11Caleb Hammer?

  Sure, but this is thirty dollars and you you told me, you you made it sound like you were at least making good money.

• 1:00:17Speaker 03

  I was, I made.

• 1:00:18Caleb Hammer?

  That wouldn't have made us.

• 1:00:20Speaker 03

  I made sixty grand last year.

• 1:00:22Caleb Hammer?

  Then why couldn't you make a payment, a sixty dollar payment?

• 1:00:28Speaker 03

  Because I buy things.

• 1:00:30Caleb Hammer?

  There you go, because you're prioritizing fun, what you want.

• 1:00:35Speaker 03

  Yeah, but we're not promised tomorrow. Why should I pay, have to worry about all that?

• 1:00:39Caleb Hammer?

  You're not promised tomorrow, no, but on the higher statistical likelihood chance that you will be here tomorrow, set yourself up for a better life and success.

• 1:00:48Speaker 03

  Oh, yeah.

• 1:00:48Caleb Hammer?

  Because if you die, you won't know you didn't have fun anyway, so it doesn't matter. What? I know, that's what I'm saying.

• 1:00:54Speaker 03

  I've had fun.

• 1:00:55Caleb Hammer?

  I know, but if you died, you won't even know.

• 1:00:56Speaker 03

  How do you know?

• 1:00:57Caleb Hammer?

  Huh?

• 1:00:58Speaker 03

  We don't know what happens after life.

• 1:01:00Caleb Hammer?

  Okay, well, let's let's go with most religious perspectives anyway and say you go to some kind of heaven. Doesn't matter, you'll be having a great time. So who cares if you were struggling a little here?

• 1:01:08Speaker 03

  Exactly, that's my thought process.

• 1:01:10Caleb Hammer?

  No, no, it doesn't matter if you would have sacrificed because you're having a great time up there anyway, so it doesn't matter.

• 1:01:15Speaker 03

  Why can't I do both?

• 1:01:16Caleb Hammer?

  Statistical likelihood is you're gonna live a long life.

• 1:01:20Speaker 03

  Oh.

• 1:01:20Caleb Hammer?

  So sacrifice for it. What?

• 1:01:22Speaker 03

  Huh?

• 1:01:23Caleb Hammer?

  What?

• 1:01:23Speaker 03

  What, what?

• 1:01:24Caleb Hammer?

  What? Is there something I don't know? Are you gonna die? You got, what do you got going on? I don't know.

• 1:01:29Speaker 03

  Oh, I was just saying you don't know.

• 1:01:30Caleb Hammer?

  Then you're probably fine.

• 1:01:31Speaker 03

  Okay.

• 1:01:32Caleb Hammer?

  I mean, you might get shot at a bar because you're always ending up in people's faces being insane.

• 1:01:37Speaker 03

  Yeah, that's why I want to like conceal carry.

• 1:01:42Caleb Hammer?

  Yeah, maybe. I don't know. I don't know how things work in Jersey, but listen, I mean, you're you're blaming with Lindsay, you're blaming this on credit karma, then you kind of started that, started setting that up with me. The thing is, you blame everyone for everything except for you.

• 1:01:56Speaker 03

  I don't know if you know, but your your videos have credit one ads.

• 1:01:59Caleb Hammer?

  Yeah, I that's not me. I'm not putting the credit one ad in there.

• 1:02:02Speaker 03

  I know you're not, but somebody is, and that's kind of bad.

• 1:02:06Caleb Hammer?

  And credit cards are good, though.

• 1:02:07Speaker 03

  Not credit one.

• 1:02:09Caleb Hammer?

  Not credit one. Credit cards are good though.

• 1:02:12Speaker 03

  Your money?

• 1:02:13Caleb Hammer?

  No, the rewards and everything, if you can actually manage it, if you're a credit card person, but you're not.

• 1:02:17Speaker 03

  I tried.

• 1:02:18Caleb Hammer?

  You didn't try, cuz you're not paying the thirty dollar payment.

• 1:02:21Speaker 03

  This one's uh not maxed out.

• 1:02:25Caleb Hammer?

  Okay, let's see, we got a Snapchat. I don't know, I think that's another guy. Another sugar daddy, maybe, I don't know, the guy with the beard is what it looks like. I can't see without you unlocking, it doesn't matter, all I care about is the one guy.

• 1:02:37Speaker 03

  Okay.

• 1:02:38Caleb Hammer?

  So concealed carry.

• 1:02:39Speaker 03

  Well, you said it might get shot, so if I have a gun.

• 1:02:43Caleb Hammer?

  That's expensive too.

• 1:02:44Speaker 03

  I haven't looked into it.

• 1:02:46Caleb Hammer?

  Okay.

• 1:02:49Speaker 03

  I mean, I, I

• 1:02:53Speaker 03

  date guys with guns.

• 1:02:54Caleb Hammer?

  I can't say it. They want me to say it, I'm not gonna say it, they want me to talk about they want, they want me to be nervous with a trans person getting a gun in 2026, I'm not, I'm not gonna say it. It's not happening.

• 1:03:08Speaker 03

  I'm not gonna be shooting up any schools.

• 1:03:11Caleb Hammer?

  Okay, well, that didn't make me confident. Now I am nervous, now I am nervous, now I'm very nervous. Shit, okay.

• 1:03:17Speaker 03

  I'm not gonna shoot up schools cuz I voted for Donald Trump.

• 1:03:20Caleb Hammer?

  Okay.

• 1:03:22Speaker 03

  So why would I, why would I be one of those trannies that shoot up schools?

• 1:03:25Caleb Hammer?

  I don't know, I think people just shoot up schools, there's, people just shoot up schools, right?

• 1:03:29Speaker 03

  And usually they're the ones that like, like women. Like the trans women that like.

• 1:03:34Caleb Hammer?

  You're right, that's right, you get guys to suck your dick, that's true.

• 1:03:37Speaker 03

  I mean, you get girls to suck yours.

• 1:03:40Caleb Hammer?

  Huh?

• 1:03:41Speaker 03

  You get girls to suck yours.

• 1:03:42Caleb Hammer?

  I think that's considered pretty standard.

• 1:03:45Speaker 03

  Pretty, and some people don't want standard.

• 1:03:48Caleb Hammer?

  Okay, yeah, I wasn't criticizing.

• 1:03:50Speaker 03

  I wasn't criticizing you either.

• 1:03:52Caleb Hammer?

  Okay, I don't understand the point of that, what?

• 1:03:54Speaker 03

  Everyone likes sex.

• 1:03:56Caleb Hammer?

  Yes, everyone likes sex. Sixty-nine dollars is your now minimum monthly payment, it's probably normally thirty, but again, you're multiple months late behind, forty dollar late fees stacking like crazy, this is insane. Oh, it's actually been closed because of how past you are, so you can't even spend on it if you go, if you even pay it down. You can't.

• 1:04:15Caleb Hammer?

  Which is good. You shouldn't have access to this. You're not a credit card person. Again, for those who are, you can get, you can figure out what credit cards work for you at calebhammer.com. Check that out, but you're not, so you shouldn't fill that out.

• 1:04:26Speaker 03

  Honestly, what really happened is my car got totaled. I feel like that's where these dates.

• 1:04:31Caleb Hammer?

  So if we did sell your big collection, how much would that be worth? What's your collection worth?

• 1:04:36Speaker 03

  My car, what?

• 1:04:37Caleb Hammer?

  Your collection of these things.

• 1:04:39Speaker 03

  Oh, if I sold it all together, probably like 10 grand.

• 1:04:44Caleb Hammer?

  Dude, you could change your life.

• 1:04:45Speaker 03

  But if I sold them separately.

• 1:04:46Caleb Hammer?

  How much have you spent on tattoos?

• 1:04:48Speaker 03

  I don't know. 20, 50,000 dollars?

• 1:04:52Caleb Hammer?

  What? No fucking way. What is wrong with people like you? You guys are just so fucked, man.

• 1:04:57Speaker 03

  I've been getting tattoos since I was 16. And then, um, I don't, I don't know. I just get tattoos when you live at home.

• 1:05:05Caleb Hammer?

  How much does your transition shit cost?

• 1:05:09Speaker 03

  Hormones?

• 1:05:10Caleb Hammer?

  Yes, how much does it cost?

• 1:05:12Speaker 03

  Uh, well, I just got back on medic.

• 1:05:14Caleb Hammer?

  Hormones, but no, no, you got tits as well.

• 1:05:16Speaker 03

  Those were pretty. Those were free.

• 1:05:18Caleb Hammer?

  Why?

• 1:05:19Speaker 03

  Cause my body is priceless.

• 1:05:21Caleb Hammer?

  No, how was it free?

• 1:05:23Speaker 03

  Oh, uh, Colorado taxpayers.

• 1:05:30Speaker 03

  Yeah.

• 1:05:31Caleb Hammer?

  Not federal, right? Just Colorado?

• 1:05:33Speaker 03

  I don't, I don't.

• 1:05:34Caleb Hammer?

  I hope that, cause I just wrote a $4 million check the other day to the IRS. If that's paying for literal titties, what are we doing? I have nothing wrong with trans, but why am I paying for people's boob jobs?

• 1:05:44Speaker 03

  Don't get me wrong. I, I don't think it should happen either, but I did abuse the system. Cause why would I pay for it if I can get it for free?

• 1:05:52Caleb Hammer?

  The government, the taxpayers paid for your tits?

• 1:05:54Speaker 03

  I mean, I pay taxes too, so some of my taxes went there.

• 1:05:57Caleb Hammer?

  You're not a net contributor. No, we just sent you $4,000 back, especially with your no tax on tip thing and the majority is tip. It's honestly, it's just the, I, I'm, I'm not in favor of the no taxes on tip thing. It's so stupid. You already contribute nothing and we're, it's just more populist policy.

• 1:06:12Speaker 03

  No, you're right. We should just be getting paid a normal wage. So we shouldn't have to get tits.

• 1:06:16Caleb Hammer?

  Well, that's fine too, but advocate for that. It's just so stupid. It's just another, it's just a performative policy. And that's why both parties are on it. Cause populism is winning right now. It's just. It's so stupid. It's a you already don't contribute anything. You're part of the.

• 1:06:29Speaker 03

  I do contribute.

• 1:06:30Caleb Hammer?

  No, you're part of the 50% that contribute 1%. It's nothing. It's a drop in the bucket.

• 1:06:35Speaker 03

  I don't know.

• 1:06:35Caleb Hammer?

  If it was gone, nothing would change. This is we give everything to you. Now we pay for your boobs. What else do we pay for? What else did we pay? Do we pay for your hormones?

• 1:06:43Speaker 03

  No, I pay for those.

• 1:06:45Caleb Hammer?

  Okay, there's no health, health insurance pays for them?

• 1:06:48Speaker 03

  I mean, yeah, now, but I didn't have health insurance.

• 1:06:51Caleb Hammer?

  We all pay into the higher cost of health insurance. What about the nose job?

• 1:06:55Speaker 03

  I was, I paid for, and I don't consider that part of my transition.

• 1:06:58Caleb Hammer?

  Oh, no? It wasn't gender affirming?

• 1:07:01Speaker 03

  No, not really.

• 1:07:02Caleb Hammer?

  Is there any other gender?

• 1:07:03Speaker 03

  For me, I feel like I've always been confident in who I am. Well, it's taken a minute, but like.

• 1:07:08Caleb Hammer?

  Is there any more gender affirming surgeries you've done?

• 1:07:10Speaker 03

  I would like have done? No.

• 1:07:13Caleb Hammer?

  Any more that you want to do?

• 1:07:15Speaker 03

  Yeah, I've thought about it. Um, maybe another boob job.

• 1:07:19Caleb Hammer?

  Are we gonna pay for that one too?

• 1:07:20Speaker 03

  No.

• 1:07:21Caleb Hammer?

  Why?

• 1:07:22Speaker 03

  I had to be on hormones for like two years and then at that two years they would, um, see how big my breast tissue grew and it was an A cup.

• 1:07:31Caleb Hammer?

  The government was tracking this?

• 1:07:33Speaker 03

  Yeah, because if you, uh.

• 1:07:36Caleb Hammer?

  Oh, my goodness.

• 1:07:37Speaker 03

  If your breast development.

• 1:07:38Caleb Hammer?

  This show's turning me into a libertarian. I'm ready to cut everything by 90%.

• 1:07:42Speaker 03

  Honestly, I.

• 1:07:43Caleb Hammer?

  This is crazy. This is insane. I don't actually agree with that, but what the? Cause I know we're getting the worst of the worst on the show, so I get it. But it's just like, what the? What the are we doing here, man? What the?

• 1:07:55Speaker 03

  But yeah, if you, if you get bigger than a, like a B or bigger, they won't pay for it. But because I'm a skinny legend, um, I only got like.

• 1:08:05Caleb Hammer?

  You're welcome for the taxes, America. You're paying in foreign ship.

• 1:08:09Speaker 03

  Oh, that's probably bratstalls.

• 1:08:11Caleb Hammer?

  Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:08:34Speaker 05

  The number one ranked energy drink is Gamersubs.

• 1:08:38Caleb Hammer?

  Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below, type in code CALEB. Stop bleeding out money making minimum payments across multiple high interest accounts.

• 1:08:58Speaker 01

  Born from the intensity of a night in the Eternal City. Introducing Born in Roma Fragrances by Valentino. Feminine perfume Donna Born in Roma features juicy black currant, central jasmine, soft cashmerin and warm vanilla. Masculine leaning but unisex Womo has notes of fresh violet leaf, aromatic sage, green vetiver and mineral salt. Shop holiday gifts at macys.com.

• 1:09:26Caleb Hammer?

  Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some banks' pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal, this isn't a magic bullet.

• 1:10:11Caleb Hammer?

  If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers, or go to calebhammer.com. And remember, you've still gotta do the work. You're paying foring the Bratz dolls? What the f*** is wrong with you?

• 1:10:38Speaker 03

  I told you some of them are like a hundred dollars or more.

• 1:10:41Caleb Hammer?

  How often are you brat-dolling?

• 1:10:42Speaker 03

  I don't know, depends on my mood. Some, like if I'm in a bad mood, sometimes I'll just buy one.

• 1:10:48Caleb Hammer?

  You're broken, man.

• 1:10:50Speaker 03

  I know.

• 1:10:50Caleb Hammer?

  Oh, man, I meant gender neutral.

• 1:10:52Speaker 03

  Dude, man, they're all gender neutrals. I'm not offended.

• 1:10:57Caleb Hammer?

  I'm a respectful guy.

• 1:11:00Caleb Hammer?

  Right?

• 1:11:01Speaker 03

  A little.

• 1:11:02Caleb Hammer?

  Oh, come on, I'm respectful.

• 1:11:04Speaker 03

  Yeah.

• 1:11:05Caleb Hammer?

  Okay, I just did the one bad thing, but I didn't know it was a bad thing.

• 1:11:07Speaker 03

  That's why I said, "A little." You're disrespectful.

• 1:11:11Caleb Hammer?

  I'm a good guy. I just yell and make mean comments. All right, update.

• 1:11:19Speaker 03

  I'm pretty sure he knows I'm here, too.

• 1:11:21Caleb Hammer?

  Oh, let's see. What did he say?

• 1:11:24Caleb Hammer?

  I was trying to manipulate him. Let's see. By the way, what I said is, "I thought you liked me..."

• 1:11:28Speaker 03

  Yeah, he said he does, but that's a wild request.

• 1:11:31Caleb Hammer?

  Let me see. I'll manage this. Thank you. Ha, ha, ha, I do, but that's a wild request.

• 1:11:38Speaker 03

  Because I think that's like...

• 1:11:41Speaker 03

  He literally just gave me almost $400 the other day, so I think that's kind of why. I mean, if you look, the $300 that he sent me was literally like...

• 1:11:50Caleb Hammer?

  Shh, I'm manipulating.

• 1:11:52Speaker 03

  Okay, give me more money. I'm not complaining. I'm just letting you know that literally Saturday, he gave me $300.

• 1:11:59Caleb Hammer?

  Okay, I sent three texts. So you don't care if my bill fails while I'm stuck in Texas...? Next message, "I don't know. I thought you were different." Next message, "Never mind."

• 1:12:12Caleb Hammer?

  Manipulation?

• 1:12:14Speaker 03

  You're a little bit meaner than I am, but...

• 1:12:16Caleb Hammer?

  I'm pulling out cunt for this. Okay, so what even is... Oh, so that's for the Brad doll. Okay.

• 1:12:22Speaker 03

  Not this one.

• 1:12:23Caleb Hammer?

  Tuck it up. What's that? I mean, that sounds like, okay, you're hiding the dick, trans things, right? Tuck it up?

• 1:12:28Speaker 03

  Oh, yeah, they're really cute thongs.

• 1:12:32Speaker 03

  It matches my pants.

• 1:12:33Caleb Hammer?

  It says, "Please, stop."

• 1:12:35Speaker 03

  Stop what?

• 1:12:36Caleb Hammer?

  Just, I don't want to imagine a woman's penis. I don't know. Those words just come out of my mouth, I guess so.

• 1:12:43Speaker 03

  Are you afraid mine's bigger?

• 1:12:45Caleb Hammer?

  Uh... No, if you were like tall, skinny, white, like, yes, because the biggest dicks I've ever seen in the locker room of like swim team and shit...

• 1:12:55Speaker 03

  How many dicks are you looking at?

• 1:12:57Caleb Hammer?

  Everyone... Okay, for what it's worth, the swim team in high school...

• 1:13:00Speaker 03

  I don't know if you want to say this...

• 1:13:01Caleb Hammer?

  I do. You think I give a... The swim team in high school is cra... Those guys, they were just... None of them were gay, but they were the gayest motherfuckers I've ever met.

• 1:13:11Speaker 03

  Straight men are the gayest men I know.

• 1:13:13Caleb Hammer?

  And the swim team locker room, yes. So the tallest, skinniest white men are, especially the nerdy ones, they can... They can like...

• 1:13:22Caleb Hammer?

  Wrap that shit around a throat and choke a bitch. That shit is huge, intimidating, scary, but you are not that person, so I'm not afraid.

• 1:13:29Speaker 03

  Okay.

• 1:13:31Caleb Hammer?

  So, no, I do not have that fear. Uh, okay. Uh, the, the trans shit is thirty-two dollars and forty-nine cents. It's one more payment and it's done. I'll just call it trans. Trans dick, okay. Trans dick, thirty-two dollars. Uh, okay. And then what is this? This, what is this forest ink you're paying for?

• 1:13:52Speaker 03

  This is my pants I had to buy for the show.

• 1:13:54Caleb Hammer?

  You had to buy for the show?

• 1:13:55Speaker 03

  Yeah, cuz they're cheap.

• 1:13:56Caleb Hammer?

  The show that does not feature pants?

• 1:13:58Speaker 03

  Well, you can see people sitting.

• 1:14:00Caleb Hammer?

  Alright, it's tucked up.

• 1:14:01Speaker 03

  What do you mean that, bitch? You can't see shit.

• 1:14:03Caleb Hammer?

  Exactly. The tuck, the tuck it up worked.

• 1:14:06Speaker 03

  It's gone.

• 1:14:07Caleb Hammer?

  I guess I shouldn't be that afraid of that. Well, fifty-seven dollars and eighty-nine cents.

• 1:14:13Speaker 03

  You can let me know if you wanna see it.

• 1:14:15Caleb Hammer?

  No, thank you. I've moved on from that.

• 1:14:19Speaker 03

  It's not college anymore?

• 1:14:20Caleb Hammer?

  It is not college anymore. Very distant. Okay.

• 1:14:24Speaker 03

  Yeah, you are thirty-five, oh, one.

• 1:14:27Caleb Hammer?

  Yep.

• 1:14:29Speaker 03

  God, how's it feel?

• 1:14:31Caleb Hammer?

  Fine, okay.

• 1:14:32Speaker 03

  I turned twenty-nine soon, I'm scared.

• 1:14:33Caleb Hammer?

  Fifty-seven dollars, eighty-nine cents with the twenty-eight dollars, thirty, ninety-four cent minimum payment, okay.

• 1:14:41Caleb Hammer?

  No, no, no, no, it's, it's much more due than that, actually. Let me see, what's the bounced?

• 1:14:48Caleb Hammer?

  Okay, you owe, these, I mean, these are small debts, which is really stupid, cuz you could wipe all of these out and get this massive risk from, all from over your head.

• 1:14:57Speaker 03

  I was going to until I got fired.

• 1:14:59Caleb Hammer?

  No, but then you shouldn't be going, you didn't have an emergency fund anyway, so you shouldn't be going into, into debt regardless, cuz now this is risk holding over your head. Listen, you're gonna have a hard time getting a job probably cuz you're a [bleep], but regardless, I'll get you a course career certification. You can get that in the trades, you can get it in tech, you can get it in whatever. Um, a lot of people in the audience have taken those and converted them into six-figure pay raises or jobs, so I got you with that.

• 1:15:22Speaker 03

  I have thought about leaving the industry.

• 1:15:24Caleb Hammer?

  You probably should cuz you're a not a people person.

• 1:15:28Speaker 03

  Well, that's why I work at a barber shop, because I can't hand deal with.

• 1:15:30Caleb Hammer?

  Yeah, definitely don't deal with people. You're retarded.

• 1:15:35Speaker 03

  You can shoot this shit more with men.

• 1:15:37Caleb Hammer?

  Yeah, and then you got fired. Twenty-five thousand.

• 1:15:40Speaker 03

  By a woman, so obviously she can't hang.

• 1:15:43Caleb Hammer?

  Twenty-five, after you were. You owe twenty-five. You owe twenty-five thousand dollars, seven hundred thirty-eight. Twenty-five thousand, seven hundred eighty-three dollars, sixty-eight cents at a twenty percent interest rate on something. I don't know what the, I think this is a car loan.

• 1:15:56Speaker 03

  I don't know what that is. What is?

• 1:15:57Caleb Hammer?

  Do you have a twenty percent car loan of twenty-five thousand dollars?

• 1:16:00Speaker 03

  Is that my Jeep? Yeah.

• 1:16:01Caleb Hammer?

  No. Here he is. Let's see. This is insane. This is insane. A twenty percent car loan I haven't seen in like a year on this show. What the is wrong with you? You're the worst. Let me see.

• 1:16:17Caleb Hammer?

  He said, what the lol.

• 1:16:19Speaker 03

  You gotta be a little nicer to him.

• 1:16:22Speaker 03

  He's going through it.

• 1:16:23Caleb Hammer?

  Says, I have bills and a whole kid. He has a kid and he's fucking, your dick is going in there and he's sucking your dick.

• 1:16:29Speaker 03

  You're like.

• 1:16:29Caleb Hammer?

  He's sucking his dick.

• 1:16:30Speaker 03

  You gotta be nicer to him.

• 1:16:32Caleb Hammer?

  So he said, what the lol. I have bills and a whole kid and why are you in Texas? I said, for the show. Sorry for being mean, babe. I'm just stressing. I really want to blow you when I get back.

• 1:16:43Speaker 03

  Oh, my God, do not say that part.

• 1:16:44Caleb Hammer?

  But I really need this. Can you please help me out, love?

• 1:16:49Speaker 03

  Oh, you said it anyway. I don't wanna suck his dick.

• 1:16:54Caleb Hammer?

  I know, you can tell him later. Oh, you've sucked him many a times.

• 1:16:58Speaker 03

  Now, what are you saying?

• 1:17:00Caleb Hammer?

  Or like you suck mine. Okay, so twenty percent car loans is crazy. Crazy. Maybe he should send that five hundred, because what the is this? What did they tell you?

• 1:17:11Speaker 03

  That that was like normal at that time.

• 1:17:13Caleb Hammer?

  It's like you that have the worst credit imaginable. Yes.

• 1:17:18Speaker 03

  They made it sound like interest rates were high for everyone.

• 1:17:21Caleb Hammer?

  They were not twenty percent, like eight, nine, ten.

• 1:17:24Speaker 03

  Well, then if they're high already and then you have my shitty credit, obviously.

• 1:17:29Caleb Hammer?

  So what is your car?

• 1:17:30Speaker 03

  Um, it's a 2020 Jeep Wrangler.

• 1:17:33Caleb Hammer?

  Dude, you got a fucking 25,000 hour loan on a 26,000 hour loan on a Jeep Wrangler at 20%? What is wrong with you? What is wrong with you?

• 1:17:42Speaker 03

  I wanted a Jeep.

• 1:17:43Caleb Hammer?

  I know you didn't for 20, well, you bought it for 30, by the way, but it's worth 20. It's, oh, you owe 26 now. What do you think it's worth?

• 1:17:50Speaker 03

  Um.

• 1:17:50Caleb Hammer?

  This 20% loan, what do you think it's worth?

• 1:17:52Speaker 03

  Screwed, honestly.

• 1:17:53Caleb Hammer?

  What do you think it's worth?

• 1:17:54Speaker 03

  I don't know.

• 1:17:55Caleb Hammer?

  What do you think it's worth?

• 1:17:56Speaker 03

  The car?

• 1:17:57Caleb Hammer?

  Yes, the car. What do you think it's worth?

• 1:17:59Speaker 03

  Probably 25.

• 1:18:00Caleb Hammer?

  Okay, 13,000. You're fucked. You're?

• 1:18:07Caleb Hammer?

  20% is insane. 20% is insane.

• 1:18:10Speaker 03

  Yeah. But I don't know, I, my car got totaled before that and that car was paid off and I've always wanted a Jeep.

• 1:18:18Caleb Hammer?

  720 dollars?

• 1:18:23Speaker 03

  Yeah.

• 1:18:23Caleb Hammer?

  And you're unemployed. Oh, you are so fucking broke.

• 1:18:26Speaker 03

  I wasn't unemployed when I.

• 1:18:27Caleb Hammer?

  What's your unemployment expected to be?

• 1:18:30Speaker 03

  I don't know because my manager won't give me my pay stubs and they've never, they haven't given me access to ADP since January.

• 1:18:37Caleb Hammer?

  I mean.

• 1:18:39Speaker 03

  Like.

• 1:18:40Caleb Hammer?

  You don't have any from before?

• 1:18:42Speaker 03

  Uh, from before, I got all of my pay stubs like through ADP up until January and then after that I never had access to them on ADP. I brought that up to my manager multiple times. She never fixed it in ADP. She just gave me. I have. They're, they don't want to talk to me.

• 1:18:59Caleb Hammer?

  Okay, then you did, you did more than just say okay, by the way.

• 1:19:02Speaker 03

  Why I want a conversation with them because my manager exaggerates a lot. Like the whole shop cannot stand her. They're all scared of her. She makes you say yes.

• 1:19:11Caleb Hammer?

  Corporate.

• 1:19:12Speaker 03

  She makes you say yes, ma'am. We're franchise. She makes you say yes, ma'am.

• 1:19:15Caleb Hammer?

  Corporate then.

• 1:19:16Speaker 03

  Corporate doesn't want to listen to me because they're too lazy and they just want to take the easy way out.

• 1:19:21Caleb Hammer?

  It's always someone else's fault. I don't know. Okay.

• 1:19:23Speaker 03

  Well, I have thought about contacting a lawyer.

• 1:19:25Caleb Hammer?

  Insane.

• 1:19:26Speaker 03

  I know.

• 1:19:28Speaker 03

  But I wanted it, so I didn't care.

• 1:19:30Caleb Hammer?

  Exactly, which is actually what is defined your entire life. It's never been anyone else's fault other than you wanting. You wanted fun over an emergency fund.

• 1:19:38Speaker 03

  Well, yeah, I didn't, you know, I didn't grow up with-

• 1:19:40Caleb Hammer?

  You wanted fun over not having debt.

• 1:19:41Speaker 03

  I didn't grow up with much money, so when I-

• 1:19:43Caleb Hammer?

  So neither did I. I didn't f*** my life. A little in my early twenties, late teens, but I got out of it. You're 28.

• 1:19:50Speaker 03

  And?

• 1:19:51Caleb Hammer?

  You're a little old for still just having fun for, "Yeah, I didn't get money when I grew up." You're a little old for that now.

• 1:20:01Speaker 03

  I don't think you're ever too old to have fun.

• 1:20:03Caleb Hammer?

  It's not about not having fun. It's about that you're using the excuse of not having money.

• 1:20:09Speaker 03

  I'm, what?

• 1:20:11Caleb Hammer?

  You are too old for using the excuse of you didn't grow up having money. You can f*** around in the early twenties with that excuse.

• 1:20:19Speaker 03

  This is also one of the first jobs I ever made this much money.

• 1:20:21Caleb Hammer?

  Dude, you're 28 going on mass shooting. Like, you are just like, you're there. You're too old-

• 1:20:27Speaker 03

  I don't even know how to shoot a gun.

• 1:20:28Caleb Hammer?

  Huh?

• 1:20:29Speaker 03

  I don't even know how to shoot a gun.

• 1:20:30Caleb Hammer?

  That's why they always miss.

• 1:20:31Speaker 03

  The last time, no, no, not always.

• 1:20:34Caleb Hammer?

  Well, tight spaces.

• 1:20:35Speaker 03

  Um, oh, missed him, I got it.

• 1:20:37Caleb Hammer?

  Oh, him? Well, you voted for him, so I don't think you're going for him.

• 1:20:40Speaker 03

  Um, now I don't f*** with him.

• 1:20:43Caleb Hammer?

  Oh, shit, alright. Secret Service, I hope you're watching.

• 1:20:46Speaker 03

  Well, release the tapes, release files.

• 1:20:49Caleb Hammer?

  Okay, yeah, everyone wants the files released. Okay, is Jefferson Capital? What the f*** is this?

• 1:20:53Speaker 03

  I don't know.

• 1:20:53Caleb Hammer?

  Well, it's open, but you don't know.

• 1:20:57Speaker 03

  I don't know who Jefferson is.

• 1:20:58Caleb Hammer?

  I hate you. I hate you. It's open,

• 1:21:02Caleb Hammer?

  but it's 100%, oh, it's collections. It's in collections. You just let, again, it was prioritizing fun.

• 1:21:09Speaker 03

  Well, I don't know what that is, so how can I tell if it's fun?

• 1:21:11Caleb Hammer?

  Dumbass dolls over-

• 1:21:14Speaker 03

  They're not dumb.

• 1:21:15Caleb Hammer?

  Yes, they are, over paying on your debt so you're allotted to go to collections.

• 1:21:20Speaker 03

  Well, I don't know what that one is, so I can't defend that one. Don't tell me.

• 1:21:23Caleb Hammer?

  Would the balance at least help? It's $3,243.

• 1:21:28Caleb Hammer?

  Come on. Okay, I'm being told it's for Verizon.

• 1:21:30Speaker 03

  Yeah.

• 1:21:31Caleb Hammer?

  How the f**k you owe that much to Verizon, you broken creature?

• 1:21:34Speaker 03

  Because I used to have an ex roommate that was disgusting.

• 1:21:38Caleb Hammer?

  Oh, oh, it's always someone else's fault. Here we go. Let's hear how someone else's fault this time.

• 1:21:41Speaker 03

  I put her on my phone plan.

• 1:21:42Caleb Hammer?

  Uh huh.

• 1:21:43Speaker 03

  And this during COVID when we moved out, because she was a dirty, disgusting, um, hoarder. Uh, I canceled that because it was during COVID and I was told by Verizon that I owe them anything. And I was fine that they would just close the service in the account.

• 1:22:01Caleb Hammer?

  The f**k you're talking about? First of all, you have no personal responsibility for anything. You are incapable of life.

• 1:22:08Speaker 03

  Well.

• 1:22:08Caleb Hammer?

  It's pathetic. Take some ownership, you creature. And you can still pay for this. Get on a minimum payment again? Or negotiate it down with your tax return money? Freak.

• 1:22:19Speaker 03

  Can't dispute it.

• 1:22:20Caleb Hammer?

  Okay, collections and not freak for trans, by the way, before someone sees that and clips it. I'm sure they still did and left that part out. That's how clipping works. $420 is owed in collections to

• 1:22:34Caleb Hammer?

  this progressive.

• 1:22:36Speaker 03

  It's very progressive.

• 1:22:38Caleb Hammer?

  Progressive. So you weren't paying your insurance because you're a degenerate failure.

• 1:22:42Speaker 03

  No. Well, I didn't pay them because they dropped to me and then I didn't want to pay them out of spite.

• 1:22:50Caleb Hammer?

  Yeah, but then you just f**k yourself in the end. So I don't really understand.

• 1:22:53Speaker 03

  The balance is 420. I thought, kind of thought it was funny, so I left it there.

• 1:22:56Caleb Hammer?

  So you f**k all your credit for that. You're never going to be able to get your own place in Jersey now with your credit only getting worse and worse and worse and worse and worse and worse and worse and worse.

• 1:23:02Speaker 03

  I was able to do it here.

• 1:23:03Caleb Hammer?

  Here before it got worse and worse and worse and worse and worse and worse and worse and worse. Now you're gonna, not even break your lease, you're probably just gonna allow it to go to collections if we're being honest. Because you'll prioritize moving over doing the responsible thing or actually making sure everything's okay.

• 1:23:16Speaker 03

  But that's still breaking my lease.

• 1:23:19Caleb Hammer?

  No, you're just gonna leave and then you're gonna owe money, then it's gonna go to collections. That's not breaking a lease. Breaking a lease is something you agree with.

• 1:23:25Speaker 03

  Right. Usually they give you payment plans.

• 1:23:28Caleb Hammer?

  They can, maybe. I don't know. It depends on the apartment.

• 1:23:30Speaker 03

  They love me.

• 1:23:31Caleb Hammer?

  Huh?

• 1:23:32Speaker 03

  They love me.

• 1:23:32Caleb Hammer?

  You think everyone loves you and then you think everyone's horrible with the moment you don't get your way.

• 1:23:36Speaker 03

  People who don't like me are horrible.

• 1:23:38Caleb Hammer?

  Exactly. That's basically what I just said, you toxic.

• 1:23:42Speaker 03

  Well, there's a reason.

• 1:23:43Caleb Hammer?

  You're toxic. You're a bad person.

• 1:23:45Speaker 03

  Yeah, there's a reason why.

• 1:23:46Caleb Hammer?

  Collection's sixty-eight bucks. It was for Geico and you couldn't even pay sixty-eight dollars? You're allowing that to bring your credit score down by like fifteen points for sixty-eight dollars?

• 1:23:55Speaker 03

  On there randomly.

• 1:23:56Caleb Hammer?

  Then just pay it sixty-eight dollars. Let your credit score go up like ten points immediately. Like, why not?

• 1:24:03Speaker 03

  I don't, I forget.

• 1:24:05Caleb Hammer?

  Okay, well, you're here now.

• 1:24:07Speaker 03

  Well, now I'll pay it.

• 1:24:08Caleb Hammer?

  What the fuck is wrong with this guy? He needs to call back.

• 1:24:10Speaker 03

  Well, he's probably mad now. Cause I don't talk like that to him.

• 1:24:15Caleb Hammer?

  I apologized.

• 1:24:17Speaker 03

  Um, well.

• 1:24:19Speaker 03

  I still don't talk like that to him. I'm very nice and I respect the fact that he has a kid and that.

• 1:24:24Caleb Hammer?

  You respect the fact that he gives you money.

• 1:24:26Speaker 03

  That too.

• 1:24:28Caleb Hammer?

  So the dude has a kid, but he just, you're just, does he have a wife?

• 1:24:31Speaker 03

  No.

• 1:24:32Caleb Hammer?

  That's why he sucks your dick. Okay.

• 1:24:34Speaker 03

  He is a single father, full custody.

• 1:24:37Caleb Hammer?

  Single father, second dick. We love it.

• 1:24:39Speaker 03

  Yeah.

• 1:24:41Caleb Hammer?

  Okay, okay. Well, saving five bucks, really getting your way across the country.

• 1:24:47Speaker 03

  Five dollars, yay. I think there's like.

• 1:24:51Caleb Hammer?

  Yeah, you're the worst of us. Society, humans. Uh, checking account went down. Uh, Apple Bill. Eddie Carey, everyday store.

• 1:25:04Speaker 03

  McCary.

• 1:25:05Caleb Hammer?

  Domino's, Apple Bill again, bullshit, Venmo, DoorDash, Pizza Hut, ATM withdrawal. No one noticed where that one hundred three dollars went every day again.

• 1:25:16Speaker 03

  I do.

• 1:25:16Caleb Hammer?

  Netflix, where'd it go? Chick-fil-A, DoorDash.

• 1:25:18Speaker 03

  Um, I, you have to get cash when you go to the dispensaries.

• 1:25:22Caleb Hammer?

  Oh, what the fuck is wrong with you? How much do you spend on weed?

• 1:25:24Speaker 03

  Uh, I don't know.

• 1:25:27Caleb Hammer?

  You're the worst of us.

• 1:25:28Speaker 03

  I don't.

• 1:25:29Caleb Hammer?

  Amazon.

• 1:25:30Speaker 03

  I don't.

• 1:25:30Caleb Hammer?

  Bullshit. What's everyday store? Cause you go there every day.

• 1:25:34Speaker 03

  It's a gas station. It's gas.

• 1:25:35Caleb Hammer?

  What the fuck? How much are you driving? You go there so often.

• 1:25:38Speaker 03

  I li- I live like twenty, thirty minutes away from that shop I was working at. But I lived in that town before I moved.

• 1:25:46Caleb Hammer?

  Now they're Apple Bill. You must have a lot of subscriptions. Venmoring out money again. What are you venmoring out? People are supposed to be venmoring in.

• 1:25:53Speaker 03

  How much was it?

• 1:25:54Caleb Hammer?

  Around fourteen bucks that time.

• 1:25:56Speaker 03

  Um, probably for, it was probably for lunch. Somebody ordered lunch at work.

• 1:26:00Caleb Hammer?

  Deli, whatnot again, whatnot again, whatnot again. A lot of whatnot. That was like $200 and whatnot. Mad Rad Retro Toys for $48 and an Apple Bill. Little Nick's Pizza. Multiple overdrafts. Are you kidding me? Oh, okay. And return item fees. What are we doing? You are pathetic. Oh, and there's another debt. Just to, why not? Another personal line of credit at the end of it, just for fun. At a 32% interest rate. Nasty, disgusting. What the is wrong with you? Sorry, 11.8% rate. 11.8% rate. Maxed out. You're complete.

• 1:26:35Speaker 03

  Yeah, that's because I'll pay it off and then when that money hits, I take it back.

• 1:26:40Caleb Hammer?

  Cause it's a draw as you pay, right?

• 1:26:41Speaker 03

  Yeah, cause doesn't that help my credit?

• 1:26:44Caleb Hammer?

  Is that fast food in here? It smells delicious.

• 1:26:46Speaker 03

  No, it smells like a cigarette. It stinks in here.

• 1:26:48Caleb Hammer?

  No, it smells like McDonald's fries.

• 1:26:52Caleb Hammer?

  Huh? Isn't it McDonald's fries or cigarette?

• 1:26:55Speaker 03

  It smells like a cigarette.

• 1:26:56Caleb Hammer?

  McDonald's fries. You're broken. I think it was the nose job.

• 1:26:58Speaker 03

  No.

• 1:26:59Caleb Hammer?

  $5,999. Okay, two people agree on McDonald's fries. One person says cigarettes. Which one do we go with?

• 1:27:06Speaker 03

  Okay, well McDonald's fries kinda smell like cigarettes, huh?

• 1:27:09Caleb Hammer?

  Your nose job broke you. So there's no monthly, there's no monthly payment on this. It's just a cruise interest, right? Then you have to draw, you have to, you can only take out what you draw down. A personal loan.

• 1:27:20Speaker 03

  No, it's um, uh, auto pay.

• 1:27:23Caleb Hammer?

  Auto pay what?

• 1:27:24Speaker 03

  Like $110 every month?

• 1:27:28Caleb Hammer?

  Pull up your phone, give, uh.

• 1:27:29Speaker 03

  You have my phone.

• 1:27:30Caleb Hammer?

  Yeah, give me your, just open.

• 1:27:34Speaker 03

  What do you want?

• 1:27:36Caleb Hammer?

  Huh?

• 1:27:38Caleb Hammer?

  Not nasty. I wash my hands a lot.

• 1:27:46Caleb Hammer?

  Why are you on low power mode? It just makes everything weird. You have 50%, you're fine.

• 1:27:52Caleb Hammer?

  Okay, subscriptions, let's see. Apple Music, Google Photos backup. I call it plus. Paramount Plus, what the point is that?

• 1:28:00Speaker 03

  Cause there's a couple of shutters on there I like.

• 1:28:02Caleb Hammer?

  What a shutter.

• 1:28:03Speaker 03

  It's a horror movie subscription.

• 1:28:05Caleb Hammer?

  Okay. And then Hammer Elite. That one's good. Probably not best for you in this moment, but.

• 1:28:12Speaker 03

  Well, I don't know what I'm getting myself into.

• 1:28:14Caleb Hammer?

  Pretty good.

• 1:28:15Speaker 03

  Yeah.

• 1:28:16Caleb Hammer?

  Three premium shows every single day. Including what we're gonna call your ex-boss.

• 1:28:22Speaker 03

  Yeah.

• 1:28:24Speaker 03

  Just have a bitch.

• 1:28:25Caleb Hammer?

  I'm being told that Brandon is your type, which is exciting. Congratulations, Brandon.

• 1:28:31Speaker 03

  Well, like, yeah.

• 1:28:32Caleb Hammer?

  Do you want to suck Brandon's pee pee? Or do you want Brandon to suck your pee pee?

• 1:28:35Speaker 03

  No.

• 1:28:36Caleb Hammer?

  Which one?

• 1:28:37Speaker 03

  No.

• 1:28:37Caleb Hammer?

  No, which one would you?

• 1:28:39Speaker 03

  Are you asking? I don't care.

• 1:28:42Caleb Hammer?

  Oh, you would do either way? You're a switch, okay.

• 1:28:44Speaker 03

  Yeah. You have to have fun, right?

• 1:28:47Caleb Hammer?

  Brandon, host show? Host show blowjob, your first blowjob?

• 1:28:55Caleb Hammer?

  He didn't say no. Okay, there's 15 things in your Amazon cart, which is crazy.

• 1:29:00Speaker 03

  I use my Amazon with my family.

• 1:29:02Caleb Hammer?

  Lots of water bottles, socks, cathins.

• 1:29:03Speaker 03

  My family, it's, I don't, we share, so. The only thing I buy on Amazon is stuff for work.

• 1:29:14Caleb Hammer?

  Yeah, well, nah, you don't have a job anymore, so no more Amazon purchasing.

• 1:29:20Caleb Hammer?

  Listen, I don't even agree with where you're going. Like, I don't even know what we're doing here, but, um. Oh, there's more deaths, apparently. Parents, 1800, for why?

• 1:29:32Speaker 03

  Well, I went to urgent care and then I went to a specialist. And I didn't have health insurance.

• 1:29:37Caleb Hammer?

  Why? What the did you?

• 1:29:38Speaker 03

  I had to go see a urologist.

• 1:29:40Caleb Hammer?

  Why?

• 1:29:41Speaker 03

  Because I was pissing blood.

• 1:29:43Caleb Hammer?

  That's right. Why were you pissing blood?

• 1:29:44Speaker 03

  Um, they said it could have been anything, either me being dehydrated. They outrolled like STIs.

• 1:29:51Caleb Hammer?

  Are you a freak?

• 1:29:52Speaker 03

  All that stuff. So that's good.

• 1:29:54Caleb Hammer?

  Drink water, weirdo. Why do you owe your friend sixty dollars? Why can't you pay back sixty dollars? Pay your friend back.

• 1:30:00Speaker 03

  She told me it doesn't matter.

• 1:30:02Caleb Hammer?

  Okay, so I can cross it off. And then you owe in tolls sixteen hundred.

• 1:30:05Speaker 03

  You know, I probably should still give it to her.

• 1:30:07Caleb Hammer?

  Well, she says she doesn't care, then it doesn't matter.

• 1:30:08Speaker 03

  But she's also struggling.

• 1:30:09Caleb Hammer?

  Sixteen hundred dollars to tolls is crazy.

• 1:30:11Speaker 03

  Yeah, that's because they don't, they never sent me a bill. And now I can't get.

• 1:30:15Caleb Hammer?

  You log in online. I know how it works.

• 1:30:17Speaker 03

  It won't do it. It will never log me in and they've never sent me a bill. And that's also for my old car too. And they've just held my registration.

• 1:30:26Caleb Hammer?

  Good.

• 1:30:27Speaker 03

  Not good.

• 1:30:27Caleb Hammer?

  Good. I hope you are never able to drive.

• 1:30:30Speaker 03

  I know how to drive. I'm a good driver.

• 1:30:33Caleb Hammer?

  No, not if you're not paying your shit. I don't care. Consequences, actions.

• 1:30:37Speaker 03

  I don't think that makes me a bad driver.

• 1:30:39Caleb Hammer?

  It's time that you actually get consequences for your actions.

• 1:30:51Caleb Hammer?

  Your monthly minimum payments are one thousand five dollars and thirteen cents. What's your rent again?

• 1:30:57Speaker 03

  Sixteen.

• 1:30:57Caleb Hammer?

  What's your utilities plus internet?

• 1:30:59Speaker 03

  Um, I don't pay for internet. Um, on average, it's probably one fifty.

• 1:31:05Caleb Hammer?

  Kind of cheap. Okay, uh, phone bill.

• 1:31:07Speaker 03

  I don't pay my phone bill either.

• 1:31:09Caleb Hammer?

  Hey, you can do helium when you do for fifteen dollars a line.

• 1:31:12Speaker 03

  Why would I do that if I don't pay for it?

• 1:31:14Caleb Hammer?

  I said when you have to.

• 1:31:15Speaker 03

  Oh. Sorry.

• 1:31:17Caleb Hammer?

  Gas, vroom, vroom, drive, drive. How much now without the job?

• 1:31:20Speaker 03

  For gas?

• 1:31:21Caleb Hammer?

  Now, what do you think it's gonna be?

• 1:31:22Speaker 03

  Oh, now?

• 1:31:23Caleb Hammer?

  Cause you'll be driving to clients and stuff. Hopefully, we'll see.

• 1:31:25Speaker 03

  Um, probably anywhere from seventy to one forty.

• 1:31:29Caleb Hammer?

  One forty car insurance?

• 1:31:31Speaker 03

  Car insurance is about two, but that includes rent or insurance.

• 1:31:34Caleb Hammer?

  Okay. TP fund anything else you need to survive, make up all that good stuff. And I guess not tampons. One hundred fifty dollars. Necessary food, $300. Use the meal plan, use the digital cookbook we get, we give you that you get for the annual version of DollarWise. Medical healthcare, I'd say, oh, copays, anything on a monthly basis?

• 1:31:52Speaker 03

  Uh, well, I have Medicaid now, so no.

• 1:31:54Caleb Hammer?

  Oh, Medicaid, you're on Medicaid?

• 1:31:56Speaker 03

  Yeah, I apply for it because I got fired.

• 1:31:58Caleb Hammer?

  So it happened right when he got fired, not before?

• 1:32:00Speaker 03

  Yeah, because I was losing my dental and I wanted, you know, I wanted to-

• 1:32:03Caleb Hammer?

  I'm okay with it because he got fired. Hopefully it's not a permanent thing.

• 1:32:06Speaker 03

  No.

• 1:32:06Caleb Hammer?

  You have any pets?

• 1:32:07Speaker 03

  I do, I have one.

• 1:32:08Caleb Hammer?

  What?

• 1:32:08Speaker 03

  A pug.

• 1:32:10Caleb Hammer?

  Age and health?

• 1:32:11Speaker 03

  He's six.

• 1:32:12Caleb Hammer?

  Okay, $50 health insurance, how much for pet food?

• 1:32:14Speaker 03

  Um, I buy the big bag, it's, I think it's like $120. I usually last in three months.

• 1:32:21Caleb Hammer?

  Okay. I don't know, this is called 40, we'll just say, I don't know. Uh, then 50 for pet insurance, 40 for subscriptions. Anything else that needs to be in your budget?

• 1:32:31Speaker 03

  Um, I don't know, can I still buy Bratz dolls?

• 1:32:37Caleb Hammer?

  You can go [bleep] yourself.

• 1:32:40Speaker 00

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

• 1:33:05Caleb Hammer?

  And go [bleep] Brandon, but no, you're not getting Bratz dolls. All right, you're a child. Listen, you need $3,675.13 for minimum survival. Right now you make zero. Hopefully your unemployment helps with that, but you just need to go make that at a minimum. And then obviously go get, make more because you need to pay down some debts and settle some collections and pay your friends back. The car's the big worry, but you can't really finesse that.

• 1:33:29Speaker 03

  There's no way out of that.

• 1:33:30Caleb Hammer?

  You just need to make $3,675 at a minimum. But pay off your debts, obviously. Move if you want to, I don't really care, break your lease, that's gonna cost plenty too, so you need to figure that out. You need to go make that. Usually I'm like, here, this is how I pay off the debt, but I can't if you, I don't know how much money you bring in. So go make that so you can break even, try to make more so you can pay it off. Okay, I don't know. Um, but we're gonna call the person in the post show who fired her. It's gonna be an explosive confrontation. I have a feeling because she's and sounds like the other one is too. But we'll see. So join Hammer Elite. Let's get the Hammer Financial Score. Spending and a budget overspend because you make nothing. Zero out of 10 debt, collections zero out of 10, emergency fund, nothing, zero out of 10, retirement.

• 1:34:11Speaker 03

  I don't know how to figure that out.

• 1:34:13Caleb Hammer?

  Do you have any?

• 1:34:13Speaker 03

  I think so.

• 1:34:14Caleb Hammer?

  How much?

• 1:34:15Speaker 03

  I don't know, because.

• 1:34:16Caleb Hammer?

  Zero out of 10 until you can tell me. Zero out of 10, real estate. Hammer Financial Score, get zero out of 10, get yours at kylehamper.com. Now join me in the financial audit show by clicking join. Hammer Elite, three shows a day, six days a week. See you there.

• 1:34:32Speaker 03

  Hello?

• 1:34:33Speaker 04

  Yes, hi. What's going on?

• 1:34:35Speaker 03

  I just kinda wanna talk about why I got fired.

• 1:34:38Speaker 04

  What specifically? I feel like it was pretty clear.

• 1:34:41Speaker 03

  You were part of the problem. I didn't even listen and hear you out.

• 1:34:44Speaker 04

  Excuse me, are you saying I'm part of the problem that got you fired?

• 1:34:51Caleb Hammer?

  June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never before seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar, June 1st. This is the best membership you'll ever join, and that is a promise.

• 1:35:21Speaker 03

  Mr. Monopoly here. Miss me? Monopoly is back at McDonald's with millions of prizes. A 2027 Jeep Cherokee, a Carnival Cruise vacation, gift cards from DoorDash, and Best Buy. You'll then play in the McDonald's app. Get your bag.

• 1:35:39Speaker 06

  No purchase necessary. 50 U.S. and D.C. Age 18+. See PlayatMcD.com for rules and PlayatMcD.com/amoe for info and playing without purchase by mail by November 2nd. Chance card game ends November 8th. Game ends November 22nd, 2026. See rules for prize details. Monopoly is a registered trademark of Hasbro.