Financial Audit's Biggest Nutcase

▶This is INSANE... apparently he's been convincing people to "invest" in his business... he's completely scamming them. I have to confront him. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Use the Caleb Hammer credit card finder for free today to find the credit card for your needs, powered by Agent. Ai : https://agent.ai/agent/Caleb-Hammer-Credit-Card-Finder Download the CFO’s guide to AI and Machine Learning for FREE at https://netsuite.com/HAMMER Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U. S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. Any portfolio composition or transaction data is provided on a delay and may be incomplete. This material is for informational use only and is not a recommendation. All company analysis information is provided by third parties and not by Moomoo Financial Inc. Past performance does not guarantee future results. ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: Bundle is 15% off! 1. Bundle my budgeting, debt, investing and real estate program for *15%* *off* : https://calebhammer.com/classpack/ 2. The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buying your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: [https://www.calebhammer.com](https://www.calebhammer.com/) _______________________ 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9) Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10) Build you own stan store: https://www.stan.store/?ref=CalebHammer Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' health care to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPac.com. Not authorized by any candidate or candidate's committee.

• 0:30Speaker 01

  Honey, that flu keeping you up? Did you take Nyquil Intense Flu?

• 0:34Speaker 02

  Nah, I got this. Hmm, okay, I don't got this.

• 0:39Speaker 01

  Yeah, you need Nyquil Intense Flu.

• 0:42Speaker 03

  Undo your flu with Nyquil Intense Flu. Nyquil Intense Flu provides powerful relief of your flu symptoms so you can sleep.

• 0:50Speaker 01

  You do got this.

• 0:52Speaker 03

  Nyquil Intense Flu. The nighttime sniffling, aching, aching fever, best sleep with a flu medicine. Use as directed. Keep out of reach of children.

• 0:59Caleb Hammer?

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

• 1:02Speaker 05

  I would definitely say I'm a [bleep] extremist.

• 1:04Caleb Hammer?

  Is this like the polar opposite of Joe Rogan happening right now?

• 1:08Speaker 05

  Yeah, basically.

• 1:09Caleb Hammer?

  It's 2025. What are you talking about?

• 1:11Speaker 05

  It's still here, bud. It's still here.

• 1:13Caleb Hammer?

  Buddy, I'm not falling down your conspiracy holes.

• 1:15Speaker 05

  If you find the truth to be conspiracy, there are other problems.

• 1:20Caleb Hammer?

  This is debt. My producers have been telling me for about a week now that they've never seen anything like it.

• 1:26Caleb Hammer?

  Download my new Simpler Budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for Simpler Budget Premium Annual.

• 1:42Speaker 05

  Hi, my name's Rex. I'm 34. I'm from Lansing, Michigan, and this is Financial Audit.

• 1:49Caleb Hammer?

  Welcome down to Texas. Another Michigander. I'm from Kalamazoo. Thanks for coming down. I appreciate it. That's a big trip. What do you do for a living up there in Lansing?

• 1:59Speaker 05

  Currently, I am doordashing, and I run a small [bleep] farm.

• 2:03Caleb Hammer?

  Okay, let's talk about the DoorDash in first. How many hours a week are we putting into that where we make money? It's not the pandemic anymore, so it is very different. People made a lot of money here in it.

• 2:13Speaker 05

  And I'm in a small town, so currently it's

• 2:16Caleb Hammer?

  This is not that.

• 2:17Speaker 05

  Outside of Lansing, but yeah, Lansing mostly.

• 2:22Caleb Hammer?

  Okay, so how many hours a week are you working on this?

• 2:24Speaker 05

  So I've just started back in the last couple of weeks after ending another job.

• 2:31Caleb Hammer?

  Oh, okay. What were you doing a couple of weeks ago?

• 2:33Speaker 05

  I was working at Applebee's as a line cook.

• 2:36Caleb Hammer?

  Yeah.

• 2:37Speaker 05

  Making sixteen an hour. Yeah, microwave and fryer and yeah, that's, that's.

• 2:43Caleb Hammer?

  Why'd you stop?

• 2:44Speaker 05

  Uh, I only worked there a few days and it was just not, it was not a good fit. I had, I'd been trying to get some other jobs and nothing was hiring, so.

• 2:55Caleb Hammer?

  Nothing was hiring? Okay, interesting.

• 2:58Speaker 05

  Well, I put in applications to do like all sorts of stuff, like technicians.

• 3:03Caleb Hammer?

  Did you have job interviews?

• 3:05Speaker 05

  I didn't even get callbacks on most of them, so.

• 3:07Caleb Hammer?

  How was your resume?

• 3:09Speaker 05

  My resume could, it mostly just says my company that I own.

• 3:12Caleb Hammer?

  Definitely what?

• 3:13Speaker 05

  It could definitely use some help.

• 3:15Caleb Hammer?

  I'm an owner of a company, okay.

• 3:16Speaker 05

  I was a stay at home dad before the divorce.

• 3:19Caleb Hammer?

  You have a kid? Divorce, okay.

• 3:20Speaker 05

  Yes.

• 3:21Caleb Hammer?

  Cans of worms flying all over the place. No, it's okay. How's your kid? Oh, no, your kid?

• 3:28Speaker 05

  Okay, okay, okay. My child is.

• 3:31Caleb Hammer?

  Is there only one?

• 3:32Speaker 05

  Only one. They are twelve years old and they prefer non-binary terms.

• 3:37Caleb Hammer?

  Okay, twelve year old, a twelve, a, a twelve year old.

• 3:41Speaker 05

  Yes, yeah.

• 3:42Caleb Hammer?

  Yeah, okay, cool.

• 3:43Speaker 05

  They're amazing. They are everything I care about and I've been taking care of them since they were a baby. Their mom was working full time and it gave me the freedoms to take care of them, like take care of my, my child and take care of everything they needed as they've grown.

• 4:00Caleb Hammer?

  Wait, this kid at twelve has asked you to, uh, to do non-binary?

• 4:06Speaker 05

  Yeah, yeah, their mother, their parent is also non-binary, so.

• 4:09Caleb Hammer?

  Oh, okay. Yeah, I'm not super familiar with the world. So I was just kind of, I just, I just realized like 12. Oh my, that's young.

• 4:16Speaker 05

  Yeah, they just prefer neutral terms.

• 4:19Caleb Hammer?

  Cool. Uh, sure. Why not? Uh, okay. So divorce, when you have a divorce.

• 4:26Speaker 05

  Divorce, we separated in May 2023 and the divorce was finalized, uh, fall of 2024.

• 4:32Caleb Hammer?

  Okay. So neither really that long ago. My God, it's okay.

• 4:40Caleb Hammer?

  I mean, I'm, I'm constructing an image in my head and I really don't want to be Dutch mental out of the gate. I really don't.

• 4:45Speaker 05

  Just go.

• 4:45Caleb Hammer?

  No, no, no, no, no. I'm trying not to because I'm seeing divorced dad, mid 30s.

• 4:53Caleb Hammer?

  Doesn't try to start being a line cook at Applebee's, but that was too much.

• 5:00Speaker 05

  Yep.

• 5:00Caleb Hammer?

  So he runs away.

• 5:03Speaker 05

  To.

• 5:03Caleb Hammer?

  Okay. So I'm just, I'm just.

• 5:05Speaker 05

  DoorDash is comfortable. I get all the time.

• 5:07Caleb Hammer?

  Are you making what you need?

• 5:09Speaker 05

  I am getting there. I just started, so I'm getting used to, yes, I'm getting there.

• 5:13Caleb Hammer?

  So you're not there.

• 5:14Speaker 05

  I'm not there.

• 5:15Caleb Hammer?

  You're not making what you need.

• 5:16Speaker 05

  I am not.

• 5:17Caleb Hammer?

  What are you making in DoorDash?

• 5:18Speaker 05

  Uh, currently on DoorDash, it's about 350 a week and like 25 hours.

• 5:23Caleb Hammer?

  Is that before or after gas maintenance?

• 5:26Speaker 05

  That's, that's pre all of.

• 5:29Caleb Hammer?

  How much goes a gas on a monthly basis?

• 5:31Speaker 05

  On a monthly basis?

• 5:32Caleb Hammer?

  A weekly basis.

• 5:33Speaker 05

  Oh, okay. Uh, so about $60.

• 5:37Caleb Hammer?

  So 384 minus

• 5:41Caleb Hammer?

  60 bucks, probably minus another minimum 20 for maintenance, you know, for insurance. Well, yeah, yeah, yeah, yeah. Well, I mean, we'll put that into your budget and everything, but I'm just trying to see like, what is your income?

• 5:55Speaker 05

  The, the.

• 5:56Caleb Hammer?

  Okay. So we'll do 384 will minus like 20 for maintenance. So we'll say 364 times that by 4,0456 on a monthly basis from DoorDash.

• 6:07Speaker 05

  Yes, that would be a good average for what I'm currently at.

• 6:10Caleb Hammer?

  Uber survivable.

• 6:14Caleb Hammer?

  Okay, so that's not that time.

• 6:16Speaker 05

  I tried a bunch of jobs over the last year.

• 6:19Caleb Hammer?

  Well, I was gonna say the fourteen fifty-six isn't like the most livable pre-expenses, so why did Applebee's not work out? I wanna hear a little bit more about that.

• 6:28Speaker 05

  Okay, so Applebee's, I I had started, I hired in and I have a lot of previous restaurant experience at front of house, so serving bartending, server managing.

• 6:40Caleb Hammer?

  Yeah.

• 6:41Speaker 05

  Uh, and that stuff I'm very comfortable with. I get into the kitchen, first day, this guy has a meltdown over the the fish.

• 6:48Caleb Hammer?

  Meltdown?

• 6:49Speaker 05

  Um, an absolute meltdown.

• 6:51Caleb Hammer?

  Over the microwave fish?

• 6:52Speaker 05

  Over, well, the frozen fish not being stocked. So I was just taken aback.

• 6:58Caleb Hammer?

  What, he was a fish man?

• 6:59Speaker 05

  Um, I don't like working with like extremely toxic people and he was definitely rubbing me the wrong way.

• 7:06Caleb Hammer?

  Oh, but he didn't do anything to you?

• 7:07Speaker 05

  No, no, nothing to me. I was just standing there, uh, trying to, well.

• 7:11Caleb Hammer?

  I was like, why would it impact you? I guess, okay, so you just saw something blowing up, freaking out?

• 7:15Speaker 05

  And I was like, is this a common thing? And then the manager was like, yeah, I tried to warn you. He was a hothead and I was like, that's other steps could have been taken, like the management could have.

• 7:24Caleb Hammer?

  Kitchen always has interesting personalities, especially in a place like Applebee's.

• 7:27Speaker 05

  Yeah, absolutely.

• 7:28Caleb Hammer?

  But also offense to Applebee's.

• 7:30Speaker 05

  Yeah, they're, they have some very good food, but yeah, they're, um, I love their brew pub pretzels. They're delicious.

• 7:37Caleb Hammer?

  I guess I shouldn't judge. I haven't been in like fifteen years, so.

• 7:40Speaker 05

  That's valid.

• 7:41Caleb Hammer?

  Okay, so someone got angry once and you quit?

• 7:46Speaker 05

  Uh, it was that and the, so the next day I talked to the manager. I had a morning shift scheduled. So I went in and I was like, hey, uh, can I chat with you for a minute? Like, this isn't setting well with me. Is this something that's gonna be a daily occurrence? Like, I just do not thrive well in this stressful environment.

• 8:05Caleb Hammer?

  Uh huh, okay.

• 8:05Speaker 05

  And she was like, okay, well, what can we have you do? Like, how can I make this better for you? And I was like, well, the dishes would be cool, cuz they switched me over to dishes on the first shift, their dish call.

• 8:17Caleb Hammer?

  What were you doing before Applebee's?

• 8:19Speaker 05

  Before Applebee's, I was looking for.

• 8:21Caleb Hammer?

  Landing in this position?

• 8:23Speaker 05

  I was just looking for, I was applying for anything.

• 8:25Caleb Hammer?

  You had, yeah, before though. What was your recent job before that?

• 8:30Speaker 05

  It's just been caregiving for the last five years.

• 8:32Caleb Hammer?

  Caregiving?

• 8:33Speaker 05

  Yeah, and.

• 8:34Caleb Hammer?

  Okay, what happened?

• 8:36Speaker 05

  Um, that's still my, that's my main.

• 8:39Caleb Hammer?

  Did you say that at the beginning? I thought you said you have a business.

• 8:41Speaker 05

  And my farm.

• 8:44Speaker 05

  Yeah, caregiving.

• 8:46Caleb Hammer?

  What do you?

• 8:47Speaker 05

  And Michigan is a, uh.

• 8:48Caleb Hammer?

  Okay, so it's, it has to be like, what, corn or apples?

• 8:51Speaker 05

  No, it's.

• 8:53Caleb Hammer?

  Oh.

• 8:55Caleb Hammer?

  Oh, I guess I did leave Michigan right when that started, the whole legalization of that. Really? A farm?

• 9:00Speaker 05

  Yeah, yeah, I have a small seventy-two plant farm. Yeah, yeah, it's legal. Yeah, we're allowed to receive donations.

• 9:06Caleb Hammer?

  Seventy-two plant farm, what is that?

• 9:07Speaker 05

  Remuneration.

• 9:08Caleb Hammer?

  Point zero one acre? Like, what?

• 9:11Speaker 05

  It's an indoor farm, so.

• 9:12Caleb Hammer?

  Yeah, okay.

• 9:14Speaker 05

  Uh, it's a nine light facility.

• 9:15Caleb Hammer?

  What are you making off of this?

• 9:17Speaker 05

  So, right now, we are just getting it started where we're having.

• 9:22Caleb Hammer?

  Kind of like your doorDash, just getting started.

• 9:24Speaker 05

  Yeah, well.

• 9:25Caleb Hammer?

  Is there anything that's not just getting started?

• 9:27Speaker 05

  No.

• 9:29Caleb Hammer?

  Well, you are thirty-four.

• 9:31Speaker 05

  Right, yeah.

• 9:31Caleb Hammer?

  Okay. Life's not just getting started.

• 9:34Speaker 05

  No, the life definitely isn't. Um, but the consistent harvests are what we're finally getting to. It takes time to find the right strains and genetics to get consistent harvest, to pay all your bills, to pay the workers.

• 9:46Caleb Hammer?

  So you're not even paying all your bills?

• 9:48Speaker 05

  All of the farm bills are, are, are paid. That comes out of the, like, donations directly, so.

• 9:53Caleb Hammer?

  Donations?

• 9:54Speaker 05

  It has to be called.

• 9:55Caleb Hammer?

  Profit?

• 9:56Speaker 05

  No, it's just referred to as donations because it's, uh, you're remunerated for your services.

• 10:04Caleb Hammer?

  The fuck did you just call me?

• 10:06Speaker 05

  You're, you're being compensated for your electrical, water, knowledge, you know, uh, you're, it's a donation, like, I'm not paying.

• 10:15Caleb Hammer?

  Okay.

• 10:16Speaker 05

  Tax on those necessarily.

• 10:18Caleb Hammer?

  Is that legal?

• 10:20Speaker 05

  Yeah, yeah, it's part of the legal framework of being a Michigan caregiver. Yes, sir.

• 10:24Caleb Hammer?

  Okay, is that or not? Wait, caregiver?

• 10:26Speaker 05

  Yes.

• 10:26Caleb Hammer?

  That's what a caregiver is?

• 10:27Speaker 05

  Yes.

• 10:28Caleb Hammer?

  Oh, that's what you mean by caregiving?

• 10:30Speaker 05

  Yeah, I have five medical patients. Yeah.

• 10:34Caleb Hammer?

  Thought you were in a fucking home helping people?

• 10:37Speaker 05

  Well, I am, but helping them smoke the stuff they need to smoke to.

• 10:43Caleb Hammer?

  In a home? You're in their home?

• 10:45Speaker 05

  No, no. Well, some patients I take right to their home, uh, you know.

• 10:52Caleb Hammer?

  And we know for a fact this is a hundred percent legal, what you're doing, the way you're doing it.

• 10:56Speaker 05

  Yes.

• 10:57Caleb Hammer?

  Okay, cuz it's outside of my world, I'll be honest.

• 10:59Speaker 05

  Yeah, yeah.

• 11:00Caleb Hammer?

  It just sounds weird.

• 11:02Speaker 05

  Yeah. My ultimate goal would be to own a larger legal, like, you know, one hundred or five hundred plant facility.

• 11:09Caleb Hammer?

  Yeah, if you're getting so many donations and everything, why aren't you living fully off of this? What are you making? What's our profit? What's our profit on this?

• 11:15Speaker 05

  So.

• 11:15Caleb Hammer?

  Is it allowed to be a profit if it's donations?

• 11:18Speaker 05

  Yeah, because I still have to pay employees and pay for things.

• 11:21Caleb Hammer?

  Sure, but I said profit.

• 11:22Speaker 05

  Right, that's what I'm, I haven't gotten there quite yet, so there's been very little profit.

• 11:28Caleb Hammer?

  Not the black?

• 11:29Speaker 05

  I wouldn't say the red for the grow, I would say the, the farm is in the.

• 11:33Caleb Hammer?

  So there's a profit?

• 11:34Speaker 05

  It's in the gray, yes, there is a profit.

• 11:35Caleb Hammer?

  What's your profit?

• 11:36Speaker 05

  It's about a hu- a thousand dollars a month.

• 11:38Caleb Hammer?

  Okay, so you bring a thousand dollars a month?

• 11:40Speaker 05

  Yes, that enters my Cash App or Cash or however.

• 11:44Caleb Hammer?

  Okay, so a thousand dollars a month, obviously that's not enough to survive on. You were doing that for five years and you started all of a sudden, you were like, I can't survive sitting with the Applebee's? What about Jared? You have the look and presence of, of fucking Subway.

• 11:59Speaker 05

  Yeah, I thought about it. Subway would probably work well, but, uh, Subway, they, I, I'd never actually applied to there.

• 12:09Speaker 05

  Sandwich artist was not on my list.

• 12:11Caleb Hammer?

  It was a Jared joke.

• 12:12Speaker 05

  I know.

• 12:13Caleb Hammer?

  Okay.

• 12:13Speaker 05

  I understand.

• 12:17Speaker 05

  Uh, yeah, the farm has just been, it started out as, so I could just provide free to family and friends.

• 12:26Caleb Hammer?

  What about paying your bills or also taking care of the kid? You have custody, what's the custody situation?

• 12:29Speaker 05

  Fifty fifty.

• 12:30Caleb Hammer?

  Okay, yeah, so I feel like you probably want to provide for this, um, a child.

• 12:35Speaker 05

  Yes.

• 12:35Caleb Hammer?

  Um.

• 12:38Caleb Hammer?

  You're welcome. Sorry, tongue tied, tongue tied. It's a delicate road to dance down, you know.

• 12:44Speaker 05

  I have tried many, many things to try and make ends meet.

• 12:50Caleb Hammer?

  Sure, what about like, don't leave a normal job?

• 12:54Speaker 05

  I've not, I didn't have a normal job to start with.

• 12:56Caleb Hammer?

  You, Applebee's is a job.

• 12:59Speaker 05

  I was.

• 13:00Caleb Hammer?

  Applebee's is a job.

• 13:01Speaker 05

  Well, unfortunately, they ultimately, they would not work with my scheduling it because I only get my child half the time. I cannot give up all of that time to Applebee's. I don't know if you have kids, but like, that is not do, I cannot give Applebee's for sixteen dollars.

• 13:16Caleb Hammer?

  You're right, I don't. Somehow, all these other parents are also able to work jobs. I don't know how that's possible.

• 13:22Speaker 05

  When.

• 13:22Caleb Hammer?

  What do you mean?

• 13:23Speaker 05

  When their bills are this high, you cannot make sixteen dollars an hour.

• 13:26Caleb Hammer?

  The bills that are that high that you got into.

• 13:28Speaker 05

  Yes, that I put myself into.

• 13:29Caleb Hammer?

  Okay, well, that's different.

• 13:31Speaker 05

  Well, right.

• 13:34Caleb Hammer?

  Why don't you control your bills then?

• 13:35Speaker 05

  Exactly. That's, that's what I need help with.

• 13:39Caleb Hammer?

  Okay.

• 13:40Speaker 05

  That's.

• 13:40Caleb Hammer?

  Yeah, maybe it starts with probably not giving all our time to this donation business and putting all our time.

• 13:46Speaker 05

  Well, ultimately, nothing will make more money than the farm will, like hourly.

• 13:50Caleb Hammer?

  Hours a month. I don't know what the fuck you're talking about.

• 13:52Speaker 05

  I mean, when it's, but I have a.

• 13:55Caleb Hammer?

  The hypothetical when?

• 13:57Speaker 05

  No, no, April eighteenth is the next harvest and it's gonna be, so it's a, I harvest three lights every twenty-one days. So three lights is between anywhere from six to fourteen pounds of at sixteen hundred dollars a pound.

• 14:13Caleb Hammer?

  Sure, don't you owe the IRS like twenty-five thousand hours?

• 14:16Speaker 05

  I wish, I wish.

• 14:20Speaker 05

  So the, the farm has been my way forward. I've put all of my learning, all of my efforts, all of my relationship building, all of it into providing the best medicine I can for my patients.

• 14:34Caleb Hammer?

  Okay.

• 14:35Speaker 05

  And we are almost there and I am so excited.

• 14:38Caleb Hammer?

  What's different this time?

• 14:40Speaker 05

  This time, I have solid genetics. I have the room I need. I have the AC I need. I have the team I need.

• 14:48Caleb Hammer?

  You just sound like every person that comes on the show and is incredibly optimistic and then we follow up afterwards and their grand plan doesn't work. Like, I don't know. Like, I can't say, no, that's not gonna work. But I also can't just agree with you because look where you are. Like, I'm cognitively investing into this person's truth that is in this kind of situations. Like, I don't know.

• 15:11Speaker 05

  Right. Yeah, it takes, you definitely have to see the process to really, um.

• 15:19Caleb Hammer?

  Are you an endless entrepreneur?

• 15:21Speaker 05

  Basically, I have, uh, I have tried, oh.

• 15:25Caleb Hammer?

  What was your last?

• 15:26Speaker 05

  Okay, another recent tangent, um, very similar to the fish tank behind you is freshwater aquariums.

• 15:33Caleb Hammer?

  You were making a business off of that?

• 15:35Speaker 05

  I am, I make about 500 a month currently from.

• 15:38Caleb Hammer?

  Net profits or profits?

• 15:40Speaker 05

  Profit, yeah.

• 15:41Caleb Hammer?

  Okay.

• 15:42Speaker 05

  Um, from aquarium, plants and fish sales.

• 15:46Caleb Hammer?

  Which is like Facebook Marketplace?

• 15:48Speaker 05

  Yes, exactly. And eBay.

• 15:49Caleb Hammer?

  You just breed and grow?

• 15:51Speaker 05

  Yes, yep. Guppies, sore tails, plecosmos.

• 15:54Caleb Hammer?

  Oh, you've been doing this.

• 15:55Speaker 05

  I started last year when my roommate moved in. They brought one tank over and, uh, we now have over 17 tanks in the house.

• 16:02Caleb Hammer?

  With the amount of hours that you put into this, a thousand dollars a month that you get on average after batches are grown.

• 16:08Speaker 05

  Well, that's after, um, paying like all of the bills, employees.

• 16:12Caleb Hammer?

  After expenses, just like how I get my money at this business.

• 16:15Speaker 05

  And upgrades, you know, like.

• 16:16Caleb Hammer?

  Yes, then a welcome to business. Yes. After expenses, that's what I'm saying.

• 16:21Speaker 05

  Eventually, it'll start to make more money. It's like, like, next month, April.

• 16:25Caleb Hammer?

  I certainly hope so. Again, I'm relying on the information to be correct from this guy.

• 16:32Speaker 05

  Yes, exactly.

• 16:35Caleb Hammer?

  Have you seen me roasting people's terrible credit card choices? But how about we flip the script? Introducing the Caleb Hammer Credit Card Finder now on Agent AI. It's like having me in your pocket minus the sarcastic comments. It's super simple. Answer 15 quick questions and you'll instantly get matched with a credit card that actually fits your spending habits. No more guessing games, no more endless Google or YouTube rabbit holes, just smart recommendations that you can trust. We designed this tool on Agent AI to help save you from hours of research and even worse, from ending up with a credit card that's as useful as a screen door on a submarine. And now that you can confidently pick a card that actually boosts your finances, rewards your spending,

• 17:20Caleb Hammer?

  and matches your lifestyle. And credit cards are just the start. Agent AI has tons more helpful agents ready to tackle your everyday problems. Need YouTube video summarized? We've got an agent for that. Want fresh ideas for content creation? There's an agent for that as well. From website design graders to productivity boosters. If you've got a problem, Agent AI probably has an AI-powered solution waiting for you. So if you're tired of wasting your time and ready for a credit card that makes sense, take the Caleb Hammer Credit Card Finder quiz. Simply register on agent.ai. It's quick, easy, and totally free. It's like having me personally vet your next credit card, but nicer. And that's it.

• 18:04Caleb Hammer?

  Say goodbye to guessing and say hello to smarter credit choices. Visit agent.ai or click the link below and let me know what card you land on. Okay, so again, 1,000 hours a month. That is the tangible reality as of now, not the hypothetical.

• 18:20Speaker 05

  Previously, yes.

• 18:21Caleb Hammer?

  Yeah, now, now, dude, now, not previously, now. Now, just not hypothetical future, okay? Now is 1,500 from Fish. How many hours a week are you putting into both of those?

• 18:36Speaker 05

  Less than 20.

• 18:37Caleb Hammer?

  Less than 20?

• 18:38Speaker 05

  Less than 20.

• 18:39Caleb Hammer?

  Okay, including packaging and shipping and everything you have to do for both sides.

• 18:43Speaker 05

  Yes.

• 18:43Caleb Hammer?

  Less than 20?

• 18:44Speaker 05

  Yes.

• 18:48Caleb Hammer?

  Okay, I mean, that's a good, relatively decent return on... Wait, you said a month, that's what you get? Never mind. Yeah, it's like 18 bucks an hour.

• 19:03Caleb Hammer?

  It's so good. Why would you have to be DoorDash? And why would you be looking at Applebee's? Why would all these things?

• 19:09Speaker 05

  Because I'm behind and I need to catch up and I've been trying everything. I was hoping Applebee's would be a good fit.

• 19:14Caleb Hammer?

  Why are you so far behind?

• 19:16Speaker 05

  I was in, uh, my ex-partner made a lot more money than me and I still have all of the bills from that. I live in the marital home. I'm trying to sustain.

• 19:27Caleb Hammer?

  You live in the house still?

• 19:28Speaker 05

  Yes, yeah.

• 19:29Caleb Hammer?

  With your ex?

• 19:31Speaker 05

  No, they moved out.

• 19:32Caleb Hammer?

  Oh, they moved out. Okay.

• 19:33Speaker 05

  Yeah, they moved out. So I stayed with our kid. And I haven't been able to afford it and I've fallen behind.

• 19:40Caleb Hammer?

  Why haven't you sold the house or?

• 19:44Speaker 05

  So because of the current federal tax situation.

• 19:50Speaker 05

  Uh, it is not currently worth enough unless we list over market value, a substantial amount.

• 19:56Caleb Hammer?

  Okay, so we have this grand amount of money coming in, which means this must be a very successful job because you're a very successful entrepreneur. Do you have any other jobs? What other jobs have you done?

• 20:06Speaker 05

  Uh, other jobs I've done?

• 20:07Caleb Hammer?

  I, I want this like existence of you so that I can actually put what you're saying into reality.

• 20:15Speaker 05

  Yeah, exactly. Okay, so let's start. Separation happened 2023. I needed to start making money on my own. I started trying to be a webcam model myself and it did not work out well.

• 20:27Caleb Hammer?

  Webcam model?

• 20:27Speaker 05

  Yeah, like live webcam modeling.

• 20:29Caleb Hammer?

  You're, you're, yeah, you're like hole out, double hole.

• 20:33Speaker 05

  No, I was just trying to sling my meat a little bit.

• 20:36Caleb Hammer?

  Wow, man.

• 20:40Speaker 05

  And it did not go well for me. It was less than 15 an hour.

• 20:47Caleb Hammer?

  Well, who, like where, what and how?

• 20:49Speaker 05

  So, well, my, my only real customer I got on there was this woman that just wanted to see my belly button. That was really it. She would ask me to stretch my arms up or try different shirts on. And that was, she just wanted to see my belly and that was, and but I'd sign on and nothing would happen. Yeah, I was trying.

• 21:13Caleb Hammer?

  Well, listen, listen.

• 21:14Speaker 05

  Also, from work from home, COVID has been a huge issue for us. So like I couldn't, uh, We've been.

• 21:21Caleb Hammer?

  It's 2025. What are you talking about?

• 21:22Speaker 05

  What do you? It's still here, bud. It's still here right now.

• 21:25Caleb Hammer?

  Yeah, but it's not like impacting the rest of us.

• 21:28Speaker 05

  Have you heard of long COVID?

• 21:30Caleb Hammer?

  Oh, you mean that, but not in.

• 21:32Speaker 05

  That's from a single infection.

• 21:34Caleb Hammer?

  But not in terms of like the economical impact. Like people are going out and working. People are.

• 21:38Speaker 05

  Well, right, but the economical impact is also the long term look at your life. If you are unable to live past the age of 35 because.

• 21:46Caleb Hammer?

  Are you afraid of getting long COVID?

• 21:48Speaker 05

  I'm not. My ex-partner and daughter and child both have long COVID already. I'm not afraid of it.

• 21:54Caleb Hammer?

  All of them have long COVID?

• 21:55Speaker 05

  You likely have long COVID also.

• 21:57Caleb Hammer?

  Well, then I'm fucking kicking its ass.

• 21:59Speaker 05

  Um, a lot of people aren't. Um.

• 22:02Caleb Hammer?

  How many? I don't know any statistical.

• 22:06Speaker 05

  Uh, about 40% of people that get a single infection and most people have had 10 plus infections by now.

• 22:12Caleb Hammer?

  If that's.

• 22:13Speaker 05

  Do you understand the math on that? Cause that's everybody.

• 22:16Caleb Hammer?

  I do, but if that was the case, this entire country's economic system would be shut down.

• 22:20Speaker 05

  No, no, it's.

• 22:21Caleb Hammer?

  But it's not.

• 22:22Speaker 05

  It takes time.

• 22:24Caleb Hammer?

  You're saying that's going to happen?

• 22:26Speaker 05

  It will happen.

• 22:27Caleb Hammer?

  Is this like the polar opposite of Joe Rogan happening right now?

• 22:31Speaker 05

  Yeah, basically. Yeah.

• 22:32Caleb Hammer?

  Okay. So you're like, he's like, he didn't like believe any of it.

• 22:36Speaker 05

  Yeah, they didn't understand what the risk is.

• 22:38Caleb Hammer?

  It's like the black death.

• 22:41Speaker 05

  But there are tools that we can use, like, like what I brought here today. Like this guy here, Covixil. It's uh, antiviral. Yeah, it's an antiviral. Two shoots up your nose at a time and uh, it keeps you safe.

• 22:54Caleb Hammer?

  How do you find these people?

• 22:56Speaker 05

  It'll keep you safe. If you got sick kids and you're tired of them being sick, give them Covixil before they go to school. Keep them safe. If you're going out in a crowd, use some.

• 23:04Caleb Hammer?

  Give that to your kid?

• 23:05Speaker 05

  Two squirts in their nose.

• 23:06Caleb Hammer?

  How often, I said?

• 23:08Speaker 05

  Uh, just for gymnastics. We homeschool our child, so.

• 23:11Caleb Hammer?

  Cause you're afraid of them going outside?

• 23:13Speaker 05

  No, because public school's a crock and homeschool is much better.

• 23:17Caleb Hammer?

  But it's not the fear of getting sick.

• 23:19Speaker 05

  Well, we just take extra steps to stay safe. It's not the, the fear of getting sick. It's the.

• 23:24Caleb Hammer?

  But you, they're not in, they're not not in school because of your fear of them getting sick. Correct?

• 23:31Speaker 05

  Right.

• 23:32Caleb Hammer?

  Okay.

• 23:32Speaker 05

  Initially.

• 23:33Caleb Hammer?

  You wanted to homeschool.

• 23:35Speaker 05

  Well, initially, we pulled our child out of school because COVID was getting bad in our area, like.

• 23:40Caleb Hammer?

  Didn't school shut down?

• 23:41Speaker 05

  And, hmm, not really.

• 23:43Caleb Hammer?

  Michigan was locked down for like three years.

• 23:45Speaker 05

  No, they went to like reduced class sizes, but they reverted back quickly. There was a study published about this Covixil here last October that shows that.

• 23:54Caleb Hammer?

  Study.

• 23:55Speaker 05

  Well, it's from Harvard, so your quotations are a little.

• 23:58Caleb Hammer?

  Well, there we go. This is any.

• 23:59Speaker 05

  Impetuous.

• 24:00Caleb Hammer?

  No, this is anytime anyone throws out the word study, it's like, okay, from what?

• 24:03Speaker 05

  October 4th, 2024, Harvard.

• 24:07Caleb Hammer?

  Yeah.

• 24:08Speaker 05

  That's, that's when the study's from. It's about antivirals and mice. Oh, yeah, yeah. So their test was mostly about the flu and they exposed the mice to 250 times the lethal level. And the mice were fine that had Covixil. The other ones are dead because it's 250 times the lethal limit.

• 24:28Caleb Hammer?

  Okay.

• 24:29Speaker 05

  Two hu- it, it kept those mice safe. They didn't get a, they didn't get the flu. They didn't get COVID. They didn't get RSV. They didn't get any of these viruses.

• 24:41Caleb Hammer?

  Okay. Covixil is a nasal spray developed by Salvacon USA in contention to create a barrier to nasal patches to block airborne viruses, including COVID. Uh, however, it's important to note that Covixil has not received approval from the US Food and Drug Administration. February 2024, the FDA issued a warning letter to the company stating that Covixil nasal spray is an unapproved new drug introduced into interstate commerce in violation of Section 505A of the Federal Food Drug and Cosmetic Act. The FDA emphasized that introducing such a product without an approved application is prohibited. Despite the lack of FDA approval, Covixil has been available for purchase over the counter at various retailers for like HEB and Meyer.

• 25:26Speaker 05

  Before Covixil, we were masking every day and fully isolated from March 2024 until separation.

• 25:34Caleb Hammer?

  This sounds like you're very scared.

• 25:36Speaker 05

  Uh, July 2023, we, uh, we've been avoiding infection because each one takes significant time off of your life. Whether it's now or later, it's taking the time. Like, you're gonna be safe. You're gonna be out of work.

• 25:50Caleb Hammer?

  The hard science behind that.

• 25:52Speaker 05

  Of long COVID? Yes, yeah, I have the NIH article if you need.

• 25:55Caleb Hammer?

  If one person gets COVID, they're gonna die 20 years younger.

• 26:00Speaker 05

  No, no, it's not that you're gonna,

• 26:01Caleb Hammer?

  Five years?

• 26:02Speaker 05

  It's not a specific time necessarily. It's just some period of time. You will lose with every single infection you get.

• 26:10Caleb Hammer?

  Like a minute? Like, what are we talking?

• 26:12Speaker 05

  I don't, it depends on your other health factors.

• 26:15Caleb Hammer?

  Well, doesn't everything?

• 26:17Speaker 05

  Uh, yes.

• 26:18Caleb Hammer?

  I mean, yes, if you're a fat like me, I'm not gonna live as long.

• 26:22Speaker 05

  Nothing has had the profound impact on children.

• 26:24Caleb Hammer?

  You're not gonna live as long.

• 26:25Speaker 05

  But it is a part of my financial thing because I haven't been able to.

• 26:28Caleb Hammer?

  Well, that's fine. I'll let you talk. It's just, I like to play devil's advocate to things, but.

• 26:32Speaker 05

  I would definitely say I'm a COVID extremist over the last five years.

• 26:36Caleb Hammer?

  That is very clear, but I just do not have the information equipped to be able to have a reasonable conversation is what I'm saying. Like, obviously, I can tell you're in an extreme camp, but I don't have even like the middle camp's ability to like talk about it.

• 26:51Speaker 05

  Right.

• 26:52Caleb Hammer?

  Cause it's like, I got COVID a few weeks ago and I had a, like.

• 26:57Speaker 05

  So you'll need to watch for new symptoms as time develops.

• 26:59Caleb Hammer?

  Well, sure.

• 27:00Speaker 05

  Anxiety, depression, gut issues, like strange bowel movements.

• 27:04Caleb Hammer?

  Five, five months ago. None of those have changed. Uh, I also had it like four years ago. Still, none of those have changed, but nothing new has happened to me.

• 27:14Speaker 05

  That's, that's good for you, but for a lot of people, they can't get out of their bed anymore. That's part of it also. You don't think your thyroid's affected when you get a COVID infection?

• 27:21Caleb Hammer?

  I think I don't work out and eat really poorly.

• 27:26Speaker 05

  That could be.

• 27:27Caleb Hammer?

  That is. Like mathematically, my caloric inverse is out is uh-uh.

• 27:33Speaker 05

  You have to know what your macros are to like.

• 27:36Caleb Hammer?

  Yes.

• 27:37Speaker 05

  To lose weight or maintain, you know, if that's your goal, but if you don't care, you just don't care. That's, that's fine.

• 27:44Caleb Hammer?

  Okay, something just tells me you've been on Reddit or Twitter too long, but I, okay.

• 27:51Speaker 05

  Like even after this show, I'm quarantining for a week before I pick my kit up again.

• 27:56Caleb Hammer?

  Are you, okay.

• 27:57Speaker 05

  And I'm on Kovixal and masking on the airplane and using CPC mouthwash.

• 28:02Caleb Hammer?

  CPC, I don't even.

• 28:03Speaker 05

  That's, these are tools people should use.

• 28:05Caleb Hammer?

  It's maybe even worth living if you live it like this.

• 28:07Speaker 05

  You think those steps are extreme?

• 28:11Speaker 05

  I find life to be worth.

• 28:12Caleb Hammer?

  That you're not gonna see another human for a week? Yeah, that's pretty.

• 28:15Speaker 05

  But I won't see my kid.

• 28:17Caleb Hammer?

  What was that isolating?

• 28:19Speaker 05

  Well, yeah, I'll be in my house.

• 28:21Caleb Hammer?

  Alone.

• 28:23Speaker 05

  Well.

• 28:24Caleb Hammer?

  Are you gonna see any other humans?

• 28:26Speaker 05

  Well, my roommate will be there. But they've accepted the risk that if I come back with an infection, they're fine with it, but I don't wanna give my daughter an addition. Or I don't wanna give my kid an additional instance of COVID if I can avoid it.

• 28:39Caleb Hammer?

  Sure, sure, sure.

• 28:39Speaker 05

  This prevented me from working. Um, and Applebee's was another issue with that where I, I couldn't mask and be in the kitchen. It just wasn't working. Um, it was just too hot in there. My glasses were, it just wasn't.

• 28:55Caleb Hammer?

  No, so it wasn't, they didn't say you couldn't.

• 28:57Speaker 05

  No, they, no, I, I, I couldn't. I could, for my personal choices and views, I could not.

• 29:03Caleb Hammer?

  Operate in society. Well, it basically sounds like you're not, actually, in fact, you're not because you couldn't exist in an Applebee's and you're thirty four and you have no career. Okay, this makes a lot more sense. You're incapable of operating in civilization. Right, yes, yes, yes. Guys, I just wanted to say an extra thank you for making Simpler Budget, an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day and a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next

• 29:43Caleb Hammer?

  quarter, will get a founder's edition, Simpler Budget Notebook, and it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're gonna release throughout this next year are about to be crazy. I'm gonna make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for Simpler Budget. Premium annual. Okay.

• 30:23Speaker 05

  Yeah, it was like McDonald's was the the same situation.

• 30:26Caleb Hammer?

  You worked McDonald's too?

• 30:28Speaker 05

  Yes, in twenty twenty.

• 30:29Caleb Hammer?

  You dropped the fries? Wow, okay.

• 30:31Speaker 05

  Yep, I I started at McDonald's in twenty twenty four, worked there for about a month. And then the the manager had opened up with me one morning and was blaming me for going too slow, well, after just training me on the drink station and taking orders. They kinda introduced me to it and then they were like, okay, you can do this now, right? And then yelled at me for being too slow and we were the only two people there. And then later that day, that same shift, the woman was making breakfast burritos in the back and just like kinda coughing all over them. And I was like, yeah, and I was like, that's.

• 31:13Caleb Hammer?

  Nothing to do with COVID. This is a gross.

• 31:16Speaker 05

  Uh, well, she tested positive for COVID, so it actually was COVID this time.

• 31:20Caleb Hammer?

  But she also was just gross, because I don't care if you have COVID, don't cough into food.

• 31:24Speaker 05

  Right, yeah, like those gloves aren't gonna stop your coughs going in there, ma'am. So I was like, okay, this is, I don't wanna eat this or or be here. So I left that and then a couple of weeks later, I had started at a tree service company. I was.

• 31:39Caleb Hammer?

  So long as you've held down a real job.

• 31:41Speaker 05

  The tree service company was.

• 31:43Caleb Hammer?

  How long?

• 31:44Speaker 05

  That was almost six months. And I caught a a log.

• 31:47Caleb Hammer?

  Is this even worth going through your documents on my?

• 31:51Speaker 05

  I caught a log to the side of my head on that one.

• 31:53Caleb Hammer?

  I think you're just lost, man. I think you're just, you're gonna be afraid until the moment you die of everything. And I'm not saying people didn't get sick. I'm not, I'm not saying I'm on the other side of it either. I'm not saying I'm on your side. I I'm not even taking an opinion or stance, because honestly, I'm just not articulate and I I just don't really care. I was like, you know, I got a little bit of fever and I was like, oh, this sucks. Hopefully I can go outside again soon. And then I did.

• 32:16Speaker 05

  Hopefully I can move again is some people's reality.

• 32:20Caleb Hammer?

  Sure, I'm just saying like

• 32:21Speaker 05

  I hope I can get out of this bed again.

• 32:22Caleb Hammer?

  I'm just trying to make sure I'm positioning for those that are listening out there that I'm not like even taking a position, but you're obviously in an extremist camp and it is preventing you from living a life.

• 32:33Speaker 05

  A normal life.

• 32:34Caleb Hammer?

  A life. A life.

• 32:36Speaker 05

  I feel like I have a pretty good life.

• 32:38Caleb Hammer?

  You're not gonna see people for a week in 2025 because you sat across from the table from me.

• 32:43Speaker 05

  Well, because of, I was also on an airplane, two seats away from a woman that was-

• 32:46Caleb Hammer?

  But you're taking your magic little spray.

• 32:48Speaker 05

  Well, yeah, and I also had an N95 on, but like, that doesn't necess- I would like to take all the steps I can to keep my kids safe.

• 32:55Caleb Hammer?

  Special mouthwash as well.

• 32:56Speaker 05

  Exactly.

• 32:57Caleb Hammer?

  Kind of like Mormon underwear.

• 32:58Speaker 05

  Yeah, they're my garments essentially. These are my COVID religious garments.

• 33:07Speaker 05

  So, so after tree service ended, it was just down the road from a strip club and one of my jobs on my list of stuff to do in my life was strip club manager.

• 33:19Caleb Hammer?

  What, so you could see tits?

• 33:21Speaker 05

  No, I, no.

• 33:22Caleb Hammer?

  Well, you were slaying dick online.

• 33:24Speaker 05

  Well, sure, yeah, but, uh, well, belly button mostly.

• 33:29Caleb Hammer?

  Yeah.

• 33:31Speaker 05

  I was really, uh, it, it was close, I had made a joke with a coworker, like, I'm just gonna go start working there, like, I'm tired of doing tree work, because it was a 45 minute commute there, 45 minutes back, and then it was working from 8 a.m. to four-ish.

• 33:52Speaker 05

  And, and 20 bucks an hour.

• 33:54Caleb Hammer?

  How have you actually survived?

• 33:56Speaker 05

  That's a great question.

• 33:58Caleb Hammer?

  It's an incredible question, because I'm surprised you're not calling yourself by injecting new things and, like, surprised you're not 500 pounds from not being able to leave your house and so, this is, I'm-

• 34:10Speaker 05

  I try to keep healthier food in the house.

• 34:11Caleb Hammer?

  So what happened to the strip club then?

• 34:13Speaker 05

  Okay, at the strip club.

• 34:14Caleb Hammer?

  We will get into the finances, I am trying to just establish this man's base, because, oh my-

• 34:19Speaker 05

  Okay, okay, so the strip club, I, I, I knew I could make some tips being the bartender up there, that was what I was thinking.

• 34:26Caleb Hammer?

  I thought you said manager.

• 34:27Speaker 05

  Well, I was training to be a manager, so you have to, you have to do the door, and then you learn bartending, then you learn DJ, and you learn how to pull the cash from the ATMs, you-

• 34:36Caleb Hammer?

  Oh, sure.

• 34:36Speaker 05

  Yeah, and then, yeah, you go from there. So, I had got to door and bartender, except it was only $11 an hour for the first 90 days.

• 34:46Caleb Hammer?

  Before tips.

• 34:47Speaker 05

  Before tips, yeah, eleven dollars an hour. Old minimum wage, before tips. So, that was going pretty well. Um, the scheduling was kinda killing me because I homeschool and I was, so I'd have to work from 7pm to like 3am. And then wake up and do homeschool and then go back to work and it was just, uh, it was just not working while I was sleeping and I was, I was exhausted.

• 35:09Caleb Hammer?

  How long did you stay there?

• 35:10Speaker 05

  I was there for...

• 35:15Speaker 05

  Four months? Four months at the strip club. So until-

• 35:19Caleb Hammer?

  Our hero.

• 35:20Speaker 05

  But, um, they did have this one contest there called the prettiest butthole in Michigan. Um, it's a pretty good contest. Um, yeah, you, if you wanna compete-

• 35:36Caleb Hammer?

  Participate or judge?

• 35:37Speaker 05

  I was, I was just witnessing, I wasn't judging or participating. The guy that won though definitely deserved the trophy. That was, uh-

• 35:45Caleb Hammer?

  Nice and bleached, I'm sure, okay.

• 35:47Speaker 05

  He did fantastic. Yeah. He had the best stink star in the galaxy, I'm pretty sure.

• 35:53Caleb Hammer?

  What the f**k are you fucking doing?

• 35:56Speaker 05

  Just working. I mean-

• 35:58Caleb Hammer?

  Kind of, I mean, you quit every job, you're not working a job right now, you're doing DoorDash.

• 36:02Speaker 05

  DoorDash is a job. I'm making-

• 36:04Caleb Hammer?

  It's a job, but with your money before expenses.

• 36:07Speaker 05

  It's a job that fits my schedule currently. And I enjoy doing it.

• 36:11Caleb Hammer?

  It's cause your schedule is borderline f**k made by you.

• 36:14Speaker 05

  That's, well, uh, I mean, it's, between my custody arrangement and homeschool scheduling, I need to do all of these other things.

• 36:23Caleb Hammer?

  Okay, maybe you can't homeschool then.

• 36:26Speaker 05

  No, I, I have to homeschool.

• 36:27Caleb Hammer?

  Okay, then maybe you're just unable to operate as a single dad.

• 36:33Caleb Hammer?

  Mathematically so far, that is correct.

• 36:36Speaker 05

  Yeah, it's been extremely hard to go from-

• 36:39Caleb Hammer?

  Extremely hard, you're not doing it.

• 36:40Speaker 05

  Traditional husband to-

• 36:41Caleb Hammer?

  Buddy, this is debt.

• 36:44Caleb Hammer?

  I actually don't even know it, but my producers have been telling me for about a week now that they've never seen anything like it. So I know for a fact you are failing.

• 36:54Speaker 05

  Yeah.

• 36:55Caleb Hammer?

  And at some point you have to give up some things.

• 36:58Speaker 05

  I've given up everything I can so far to make things work.

• 37:00Caleb Hammer?

  Not even close.

• 37:02Speaker 05

  I could get into some details if you like. What would you like to?

• 37:05Caleb Hammer?

  No, all I know is you don't need to be doing this in donation business. You don't need to be doing the fish business. It takes time. It takes time. And even if that-

• 37:15Speaker 05

  But even sixteen dollars an hour would not cover those.

• 37:17Caleb Hammer?

  For a moment now, even if that time is making sixteen dollars an hour, if you have to dedicate an hour to fish, let's just say randomly as an example, in the middle of the day, and that's preventing you from going and working nine hours somewhere else, it doesn't make up for it and your financial situation is proof of it. If you cannot afford to take care of your child because you are dedicated to homeschooling them, then you can't afford to. This is basic-

• 37:43Speaker 05

  I'd like to afford not to. It's worth any price to take care of my kid.

• 37:47Caleb Hammer?

  Oh my fu- oh my fu-

• 37:49Speaker 05

  If you have a kid one day, you might understand.

• 37:52Caleb Hammer?

  Yeah, and guess what?

• 37:52Speaker 05

  Are you married yet?

• 37:53Caleb Hammer?

  I am not, but guess what? I've seen a lot of people on this show, and this is where you're headed, that you're so proud of for some reason, where their entire life, your kid, is gonna be on hold because their failure and joke of a dad, while they're trying to live their life, never did anything in their entire life, their dad's life. So all of a sudden, your kid has to put their life on hold to take care of their failure dad. That's where you're going. That's just a mathematical reality. I don't need to have had a kid to know that.

• 38:26Speaker 05

  That's not gonna happen.

• 38:27Caleb Hammer?

  Fuck you, that's not gonna happen. Look at your finances now. You're in your mid thirties. You're acting like a twelve year old. Shut the fu up. You don't know what you're talking about. You're a baby. Shut up. What a joke. That's not gonna happen. You don't know anything. You're not even living life as an adult in thirty-four. You couldn't successfully complete to marriage? You can't successfully complete holding a job?

• 38:52Speaker 05

  I was married for 12 years.

• 38:53Caleb Hammer?

  And guess what? You're not. You couldn't successfully complete holding a job for more than six months? You couldn't work in a kitchen? You can't go and sit across a desk from someone without having to sit in a house for a week? You're a child. You're incapable of existing in this world and doing all this stuff that you want to do. And just like, by the way, your kid, you want to homeschool your kid. All this stuff that you are choosing is gonna put you in a position where they're gonna have to put their life on hold to take care of their joke of a dad. That is your choice. And it's honestly a disgusting choice. It is a selfish choice.

• 39:30Speaker 05

  So them being

• 39:30Caleb Hammer?

  And it's a joke.

• 39:31Speaker 05

  Sick from being in public school constantly is a better thing? So how would I take care of a sick kid? I can't afford a babysitter? I can't afford a hospital bill?

• 39:41Caleb Hammer?

  If they get the sniffles?

• 39:44Speaker 05

  Covid is not the sniffles.

• 39:46Caleb Hammer?

  I didn't even say Covid. You just said sick. I'm suggesting a cold.

• 39:50Speaker 05

  There's hardly even colds anymore.

• 39:54Speaker 05

  There's

• 39:54Caleb Hammer?

  That's not even true. That's, I know that's not true.

• 39:57Speaker 05

  Bring up the wastewater data and look up colds over the last five years. You should check it out.

• 40:04Caleb Hammer?

  Buddy, I'm not falling down your conspiracy holes.

• 40:07Speaker 05

  If you find the truth to be conspiracy, there are other problems.

• 40:12Caleb Hammer?

  That's what everyone says, buddy. That is in your

• 40:15Speaker 05

  You've met someone else that's taken this many Covid precautions?

• 40:19Caleb Hammer?

  Matt? No, but we've all seen them. Buddy, I, we all know people like you in society and you never go anywhere.

• 40:24Speaker 05

  The survivors?

• 40:25Caleb Hammer?

  You never go

• 40:26Speaker 05

  I'll be here long after the rest of you are gone.

• 40:28Caleb Hammer?

  I highly doubt that.

• 40:29Speaker 05

  I will be. I don't think that's on my bingo list.

• 40:34Caleb Hammer?

  You're operating, your life isn't existing. Like, I don't think

• 40:38Speaker 05

  I have some great coworkers.

• 40:41Caleb Hammer?

  Coworkers? Oh, the stuff?

• 40:43Speaker 05

  Yeah, they're fantastic. And I see people with DoorDash. What do you, how do I not see people?

• 40:47Caleb Hammer?

  You have to go through a window.

• 40:49Speaker 05

  I have to go into these stores and every day and interact with people.

• 40:52Caleb Hammer?

  That's a fleeting moment. It's not an actual connection. What does the future hold for businesses? Ask nine experts and you'll get 10 different answers. Bull market, bear market, inflation up, down. Honestly, can someone just invent a crystal ball already? But until then, over 41,000 businesses have actually future-proofed their operations with today's sponsor, NetSuite by Oracle, the number one cloud ERP that brings accounting, financial management, inventory, and HR all into one fluid platform. And with one unified business management suite, there's no more guessing, just real-time insights, forecasting, and a single source of truth to help you make fast, informed decisions. And when you're closing the books in days instead of weeks,

• 41:35Caleb Hammer?

  you're spending less time looking backwards and more time on what's next. So whether you're making millions or even hundreds of millions, NetSuite helps you tackle challenges and seize big opportunities. Honestly, if I had needed something like this when I was managing finances, NetSuite would have been my go-to. And speaking of opportunity, download the CFO's Guide to AI and Machine Learning for free at netsuite.com/hammer. Once again, that is netsuite.com/hammer. Thanks to NetSuite for sponsoring the video. Let's jump back into it. How extensive is your friend group?

• 42:07Speaker 05

  I have a pretty, pretty remarkable friend group. I have some.

• 42:10Caleb Hammer?

  Go on.

• 42:11Speaker 05

  I have some fantastic friends.

• 42:12Caleb Hammer?

  Let's hear about it.

• 42:13Speaker 05

  Okay. Anyone specifically? I guess start with my roommate.

• 42:17Caleb Hammer?

  Describe your friend group.

• 42:20Caleb Hammer?

  This robust friend group.

• 42:22Speaker 05

  Um. I wouldn't say it's robust. It's, it's like four, four people in my mind. No, it's.

• 42:31Speaker 05

  It's really all I need.

• 42:32Caleb Hammer?

  Dude, you can live whatever life you want, but you're gonna take down your kid with you.

• 42:36Speaker 05

  I'm really trying not to do that. And part of this show is to help give them a better future.

• 42:42Caleb Hammer?

  Buddy, listening, listening to you and the absolute worldview you have.

• 42:47Caleb Hammer?

  Nothing I'm gonna say is gonna fix anything. You're already, you're gone. You, you need like a, like a com- a deep therapy.

• 42:57Caleb Hammer?

  Are you, do you go to therapy?

• 42:59Speaker 05

  No, not anymore. No, I can't afford that.

• 43:02Caleb Hammer?

  Okay, I'll give you three free sessions with Sondar Mind. I use them, the audience uses them. Former guests use them.

• 43:09Speaker 05

  Alright. I appreciate that. I will definitely use those. Thank you.

• 43:12Caleb Hammer?

  Yeah, bring this shit up. You got some stuff going on.

• 43:16Speaker 05

  I'm not sure what they could tell me that will change any of it.

• 43:19Caleb Hammer?

  They just need to, people like you spiral. You're spiraling. Cause people can fall down the complete opposite side. There's extremists everywhere and lots of things. But when you start falling down the extremes where there's only one, like, like, a perfect truth that only you know, it just, it just gets-

• 43:36Speaker 05

  This isn't something only I know.

• 43:38Caleb Hammer?

  I know, but come on, it's your little, your little community, your little-

• 43:41Speaker 05

  We just like to be safe and protect our kids. That's really it.

• 43:46Caleb Hammer?

  That's a nice way to say it and present it, but look how you've talked so far. You're literally fucking destroying your life for the sake of that.

• 43:55Speaker 05

  It's, I'd rather be broke than dead, for sure. A million percent. I'd rather be penniless and-

• 44:01Caleb Hammer?

  Than dead, okay, cool.

• 44:02Speaker 05

  Than dead, yeah.

• 44:03Caleb Hammer?

  And before we move on, let me get, let's get a real statistic then. This is not a political thing. We're just gonna get an actual, real data point. Hundred three million confirmed COVID-19 cases, so in your instance, literally a third of the United States would be completely failing and collapsing, okay? As a result, uh, of the 1.2 million deaths of the diagnosed cases was 1.2% death. So 99% chance of survival, which according to-

• 44:34Speaker 05

  From initial infection, yes.

• 44:36Caleb Hammer?

  But it's important to note that that is only on, uh, based on people who actually got diagnosed. The vast majority did not, and then the vast majority of people that did were either old or morbidly obese. So. There you go.

• 44:51Speaker 05

  Um, I'm not just afraid of death. It's the

• 44:54Caleb Hammer?

  But you said, I, no, no, you, you made it. You made this sound like, and this is why what you have is an extreme position. I'm not saying it's not scared to die, but you said, I would rather be financially than dead. You made it either or. And it's not that simple. And your extreme brain has gotten you there and it's preventing you from actually living a decent life. And that is scary.

• 45:14Speaker 05

  Repeat infections would kill me and dramatically shorten my child's life.

• 45:19Caleb Hammer?

  You're saying that as a fact.

• 45:22Speaker 05

  It is a fact.

• 45:24Speaker 05

  Look up repeat infections.

• 45:26Caleb Hammer?

  Oh my gosh, this is such a stupid, why are we talking about this for 40 minutes? I don't really care about this.

• 45:32Speaker 05

  A lot of people don't. Most people don't actually. Probably about 99% of people do not care at all about this. They don't care about their kids. They don't care about their spouse. They don't care about their parents.

• 45:43Caleb Hammer?

  It's not about caring. It's what you're defining as caring.

• 45:47Speaker 05

  Have you seen what attendance looks like in an elementary school since, since COVID?

• 45:51Caleb Hammer?

  Huh?

• 45:52Speaker 05

  Have you seen what like, uh, attendance rates look like?

• 45:56Caleb Hammer?

  Well, I can't find an actual statistic related to

• 45:59Speaker 05

  Because no one knows how bad it is.

• 46:01Caleb Hammer?

  Then how are you so confident then? You said that I am going to die.

• 46:04Speaker 05

  It's just a law of averages. Like it's just

• 46:06Caleb Hammer?

  So if you get it 99 times?

• 46:08Speaker 05

  If you have it, no, even 20 times, like, okay.

• 46:11Caleb Hammer?

  But you said you will die. You said will.

• 46:14Speaker 05

  You will. Yeah. You, there is, okay. That's fair.

• 46:18Caleb Hammer?

  Cause this is actually

• 46:20Speaker 05

  Yes. And the numbers aren't on my side because they don't, they aren't there. Like the information is just not there yet. There's not even a test for long COVID unless you have a previous COVID infection and you have all these new symptoms. They just say, oh, well, that's long COVID.

• 46:34Caleb Hammer?

  I'm not saying it doesn't exist. I'm not saying that. Actually, I, I know that medically diagnosed, they do medically diagnose it. But you're like, there's no test for it. There's no way to tell what actually is. They just use a list of things and you're like, you have it. So like, you're not making it sound good. You're not making it sound like something.

• 46:48Speaker 05

  I wish, I wish I could make it sound better. I don't know how to.

• 46:50Caleb Hammer?

  Why are you so obsessed?

• 46:56Speaker 05

  My.

• 46:57Caleb Hammer?

  If you're not able to make it actually.

• 47:00Speaker 05

  It's basically a bet. It's a gamble that I believe these things will happen.

• 47:07Caleb Hammer?

  So you're not willing to gamble at the ninety-nine percent? If I have a one percent chance of losing and a ninety-nine percent chance success of winning, I'm probably taking the roll on the win.

• 47:19Speaker 05

  What is the win, though? Repeat infections?

• 47:21Caleb Hammer?

  Again, there's no actual statistics around that, at least that I could find. Well, all I, for what it's worth, what I did is I did the search function on GPT, so I had it scout resources. So obviously, I can't sit here and read fifty thousand books in the middle of this conversation.

• 47:36Speaker 05

  Right.

• 47:37Caleb Hammer?

  I have to do what I can.

• 47:37Speaker 05

  I wouldn't expect you to, of course.

• 47:39Caleb Hammer?

  Yeah. Okay, okay, cool. So essentially, you're not willing to change anything in all this finances that you would rather have fucked up than certain death. So why the fuck are we having this conversation then?

• 47:52Speaker 05

  Because there's other ways forward. That don't require me to be around people. Yeah, I have them.

• 47:58Caleb Hammer?

  Then why aren't you successful?

• 47:59Speaker 05

  Be- because it takes time and I'm getting there and.

• 48:03Caleb Hammer?

  Yeah, buddy, you've been in adulthood sixteen years.

• 48:07Speaker 05

  I had a pretty successful career before. Um.

• 48:13Speaker 05

  A- as a stay-at-home dad.

• 48:15Caleb Hammer?

  Cause, uh, oh, okay.

• 48:18Speaker 05

  That, that's my longest career. Been doing that for twelve years.

• 48:22Caleb Hammer?

  When was the last time your kid got sick?

• 48:28Speaker 05

  Uh, uh, November twenty twenty-four, I'd went and, uh, stayed at my brother's house, uh, after, uh, taking a trip to repo a vehicle. And I ended up getting sick and then came back home and had only quarantined three days. Uh, and it was not long enough and my kid ended up getting sick. But that was the flu.

• 48:49Caleb Hammer?

  Aren't you afraid by them not actually getting any antibodies of anything? By ever having any interaction with anything?

• 48:58Speaker 05

  Do you know where antibodies come from?

• 48:59Caleb Hammer?

  That if they do just get like a literal flu at some point, it's gonna like destroy them?

• 49:05Speaker 05

  That's not how our immune system works. That's, that's all based on a lie that getting sick builds it. It weakens it every time.

• 49:11Caleb Hammer?

  Well, I asked the question.

• 49:12Speaker 05

  Yeah.

• 49:14Caleb Hammer?

  Hello, where do you think your financial score is?

• 49:18Caleb Hammer?

  Zero to 10, zero being the worst, 10 being the best.

• 49:20Speaker 05

  Zero currently.

• 49:21Caleb Hammer?

  Okay, so we better not change anything. If you want your Hammer Financial Score, link is in the description below or you can go to CalebHammer.com. Uh, if you want to come on the show, CalebHammer.com/apply, we'd be happy to have you. Normally, this is where I say, download the simpler budget app, because this is, it'll actually fix your financial situation by you can see how much you spend on certain things. Blah blah blah, you get the premium version, uh, but you're not a budgeting case. Uh, that is as clear as day. It is obviously not your actual finances that is impacting your life. You are down deep rabbit holes of extremes. Okay.

• 49:57Caleb Hammer?

  IRS. For 2014?

• 50:01Speaker 05

  Yes.

• 50:06Caleb Hammer?

  What? The Yeah, 11 years ago, that's comedic. What?

• 50:13Speaker 05

  They, can they even collect on that? It's 11 years old.

• 50:16Caleb Hammer?

  It's the IRS ass. They, I'm pretty, they can, they'll, they'll

• 50:20Speaker 05

  No, there's a statute of limitations on that, I'm sure. It's gotta be 10 years. Okay, uh, before you get too far, you should, you should maybe look at a couple of the next pages there.

• 50:38Speaker 05

  Did that say that, uh, IRS can only collect after 10 years? Have you seen that before?

• 50:43Caleb Hammer?

  Yep, 10 years. Uh, for collections, the IRS has 10 years from the date of assessment when the tax is recorded as due to collect it after that. It's typically erased.

• 50:54Speaker 05

  Typically, yes.

• 50:57Caleb Hammer?

  Okay.

• 50:58Speaker 05

  Okay, so, uh, if, if you'll just go

• 51:01Caleb Hammer?

  They obviously have not erased it.

• 51:03Speaker 05

  A couple more here.

• 51:04Caleb Hammer?

  Typical has not applied to you. So, why haven't you paid taxes? Oh my

• 51:13Caleb Hammer?

  It's another forty-two thousand eight hundred eighty-four in taxes. Oh my, and for the next year it's seventy thousand dollars in taxes?

• 51:20Speaker 05

  We had a very successful business.

• 51:21Caleb Hammer?

  Are these separate?

• 51:22Speaker 05

  Those are stacking. Those, those are separate years.

• 51:27Caleb Hammer?

  Eighteen, it went down a little to forty-two thousand, then six thousand in twenty twenty.

• 51:32Speaker 05

  Twenty twenty was

• 51:33Caleb Hammer?

  Oh my

• 51:34Speaker 05

  was the year we started our corporation and started putting our money through an S corp.

• 51:39Caleb Hammer?

  What was the business?

• 51:40Speaker 05

  Uh, my ex-wife is a cam model, so, uh, we were making over ten thousand a month. Yeah, yeah, because if they could do it, I could do it. But I can't. I can't do it. It did not, my, it's no good. Like, it doesn't work well for me. I am not a good fit for that. They're much better. So, uh, this was us working together over the course of our marriage and

• 52:04Caleb Hammer?

  What was your role?

• 52:05Speaker 05

  Uh, photography and videography and sometimes acting, uh, for the, for the, for the channel and for videos.

• 52:14Caleb Hammer?

  I have IRS debt cumulative of three hundred thirty-four thousand.

• 52:16Speaker 05

  Yes, that's, uh, that's twenty fourteen through twenty twenty.

• 52:24Caleb Hammer?

  That's fucking insane. I don't even know what to say.

• 52:27Speaker 05

  Yeah, that's

• 52:28Caleb Hammer?

  I, I don't, I don't have words for that.

• 52:31Speaker 05

  Yeah, it's, it took some time to build that amount.

• 52:34Caleb Hammer?

  Why didn't you guys pay taxes?

• 52:35Speaker 05

  We were, the estimated payments were just not enough. We did not send nearly enough money.

• 52:42Caleb Hammer?

  Estimated payment? Did you work with a CPA for those estimated payments?

• 52:45Speaker 05

  Um, no, I had went to H and R Block for my taxes.

• 52:49Caleb Hammer?

  Yes, for your

• 52:51Speaker 05

  Yeah, and they kinda screwed us. So they did not help us do what we needed to.

• 52:57Caleb Hammer?

  I wouldn't have gone to H and R Block if I was making that much money.

• 53:00Speaker 05

  Well, I didn't know where to go. It was, uh,

• 53:03Caleb Hammer?

  Google CPA? I don't know.

• 53:05Speaker 05

  I didn't, I didn't know that then. That was

• 53:08Caleb Hammer?

  Didn't know what?

• 53:08Speaker 05

  I didn't know what, who to look for to help me.

• 53:11Caleb Hammer?

  Google who to look for to help me?

• 53:14Speaker 05

  And in twenty fourteen, I just had, um,

• 53:19Caleb Hammer?

  You're able to look things up.

• 53:20Speaker 05

  Well, right, but when I looked it up, it just said, go to H and R Block and talk to a tax professional.

• 53:26Caleb Hammer?

  Paid ad at the top. Okay.

• 53:27Speaker 05

  Um, so I was living in Knoxville at the time in a house that was

• 53:31Caleb Hammer?

  What percentage were you guys estimating?

• 53:34Speaker 05

  That, uh, we, well, we were planning for thirty percent.

• 53:38Caleb Hammer?

  You put thirty percent aside?

• 53:40Speaker 05

  No, no, we didn't. That's what we were planning to, um, but we never did.

• 53:46Caleb Hammer?

  What the fucking mean third, planning to for a half a decade? You're not planning, now I believe even less that I'm gonna start making money, or it's starting, it's starting slowly.

• 53:56Speaker 05

  Well, I made money before.

• 53:57Caleb Hammer?

  Because I was planning and it was five fucking years of planning? Fuck you planning? How much did you, what percentage did you guys actually set aside planning?

• 54:05Speaker 05

  Set aside? None. It was just.

• 54:06Caleb Hammer?

  Oh, well, you set to file estimated taxes!

• 54:10Speaker 05

  Well, no, we'd file the, the form.

• 54:13Caleb Hammer?

  But you didn't pay all this?

• 54:14Speaker 05

  Right. Yeah. Yeah. I just thought that they would set me up with a payment plan or rent, like, eventually. They did in twenty eighteen, but it was, our income had become impacted from getting, uh, their payment processor shut down.

• 54:34Caleb Hammer?

  Okay.

• 54:34Speaker 05

  From Sestafos, do you remember that?

• 54:36Caleb Hammer?

  No.

• 54:37Speaker 05

  Okay, well, they lost, anyways, the site we used to work on linked directly to our channel, so we could monetize our views from the directly to our live stream.

• 54:48Caleb Hammer?

  Why'd you guys get divorced?

• 54:50Speaker 05

  Uh, like, why?

• 54:54Caleb Hammer?

  That was the word I used.

• 54:55Speaker 05

  Um, there was a multitude of reasons, ultimately.

• 54:59Caleb Hammer?

  Yeah, why'd you guys get divorced?

• 55:01Speaker 05

  Uh, my ex-partner got into astrology, uh.

• 55:06Caleb Hammer?

  Oh, you both are fucking insane.

• 55:08Speaker 05

  Really into astrology.

• 55:09Caleb Hammer?

  And you both can't delicately get into things. You both have to go down the craziest.

• 55:14Speaker 05

  Exactly.

• 55:14Caleb Hammer?

  Okay.

• 55:15Speaker 05

  We are both.

• 55:15Caleb Hammer?

  And your signs didn't match, so you got divorced?

• 55:17Speaker 05

  Uh, yeah, my sign was to leave. Um, I was not interested in. No, no, like. I'll

• 55:25Caleb Hammer?

  Okay, why'd you guys get divorced? So you got into astrology?

• 55:28Speaker 05

  We got into astrology. They got into astrology and they started, so instead of working on like their work stuff for Twitter, they started posting more about astrology and finding people that felt like that with them. And because I have

• 55:44Caleb Hammer?

  Were you guys open?

• 55:45Speaker 05

  Uh, no, no, we were exclusive.

• 55:48Caleb Hammer?

  But she was fucking different stars?

• 55:50Speaker 05

  No, no, this is cam modeling, not like, so our

• 55:53Caleb Hammer?

  No, no, no, sorry. When she was making connections, I was, I was associated.

• 55:57Speaker 05

  So, like, part of the tax that actually from like 2015, 2016, 2017, we were hiring other people to, we were paying other people to come cam with us. We were doing different types of shows and then we would not tax them for what we were paying them. Okay, well, they, someone messaged them on the internet about astrology and they had, my ex-wife had posted about feet fetish work, like, and linking it to astrology. And this recently unhoused individual from the greater San Diego area reached out to them and said,

• 56:41Speaker 05

  "Hey, I like you. I want to hang out with you." And then I think that started, so this would have been March 2023. And then May 2023, my ex gave me some poems saying they wanted, they wanted out and

• 57:01Caleb Hammer?

  So she left?

• 57:02Speaker 05

  Yeah, they left.

• 57:03Caleb Hammer?

  They, they left?

• 57:04Speaker 05

  Yeah, they left. And at the time, I had rented a house for my mother and brother to move into to, so they could continue their job. And they took that rental agreement, since it had their income in, because we were married, it had their name on it. So they're like, "Well, I'll just take this lease and move in here."

• 57:20Caleb Hammer?

  You said you got on a payment plan for some of these?

• 57:22Speaker 05

  Yes, yeah, we, yeah, we were on a payment plan in 2018.

• 57:26Caleb Hammer?

  2018 for the previous ones?

• 57:27Speaker 05

  Yeah, for all the previous ones. And that was at $2,800.

• 57:32Speaker 05

  Wait, what do you mean?

• 57:34Caleb Hammer?

  If the debt sat there for 10 years and did nothing?

• 57:38Speaker 05

  Then it could be dismissed.

• 57:40Caleb Hammer?

  But it didn't. It was likely that forgiveness, not forgiveness period, I'm trying to figure out a way to explain this. That was likely paused because he went on the payment plan and it may have negated time. I don't know where you are in terms of when this could have fallen off. I don't know. Without more information, maybe we'll get it going through this conversation, but...

• 58:02Speaker 05

  It's currently non-collectible.

• 58:04Caleb Hammer?

  That 10 years, though, works if it's as if nothing happens. It can get paused quite often, though, that 10 years.

• 58:13Speaker 05

  Alright.

• 58:13Caleb Hammer?

  Leaving the country, applying for different services, going through that negotiation or conversations of a payment plan.

• 58:21Speaker 05

  Right. Yeah, I had hired Lothmer Tax Solutions.

• 58:24Caleb Hammer?

  Oh, good. You can pay a lawyer, just not your taxes.

• 58:26Speaker 05

  Well...

• 58:27Caleb Hammer?

  Productive member of society.

• 58:29Speaker 05

  I hired them on my behalf to try and get...

• 58:33Caleb Hammer?

  Yes, no [BLEEP].

• 58:34Speaker 05

  The tax situation taken care of.

• 58:36Caleb Hammer?

  Yeah.

• 58:36Speaker 05

  And they ultimately just got us a payment plan we couldn't afford. So, we ended up paying them $10,000.

• 58:43Caleb Hammer?

  You did pay $10,000?

• 58:44Speaker 05

  Yeah, yeah, it was $10,000 to Lothmer Tax Solutions. And then, uh, we got, um... We got the monthly payments going. I paid like three of them, uh, because we had just enough money, but then we couldn't maintain after that. The...

• 59:00Caleb Hammer?

  Well, okay.

• 59:02Speaker 05

  The lack of income from, uh...

• 59:03Caleb Hammer?

  You guys filed jointly?

• 59:05Speaker 05

  Yes.

• 59:05Caleb Hammer?

  Okay. What's they doing?

• 59:11Speaker 05

  The same thing.

• 59:14Caleb Hammer?

  Paying?

• 59:15Speaker 05

  Wait.

• 59:15Caleb Hammer?

  But are they helping to pay this? Because not all of us even 10 years old.

• 59:21Speaker 05

  No. Nope.

• 59:24Caleb Hammer?

  Are they doing okay at least?

• 59:25Speaker 05

  I don't, I'm not sure. They haven't really disclosed much. Well, right, but they don't talk to me about, I've asked, like, even before coming on here, it's like, hey, what's going on?

• 59:34Caleb Hammer?

  They're still in Michigan.

• 59:35Speaker 05

  Yeah, they're still in Michigan.

• 59:36Caleb Hammer?

  Okay.

• 59:37Speaker 05

  They live not too far from me.

• 59:38Caleb Hammer?

  Still doing camming?

• 59:39Speaker 05

  Yes, yep. And they've started with their new partner. Um, apparently, uh, the internet doesn't like them as much as they like me. Uh, we went from 17 million views on [BLEEP] to now their channel's... Uh, you know, 170th of that?

• 1:00:01Speaker 05

  But that's okay.

• 1:00:04Speaker 05

  He's nice to my kid and that's what matters.

• 1:00:06Caleb Hammer?

  Are they terrified of COVID too?

• 1:00:08Speaker 05

  Uh, yeah, we're, we're all, uh, we're all in that game. Yeah, and, and the guy that came over from, uh, San Diego, he, he's been COVID, uh, avoiding with us this entire time, which has been very appreciated.

• 1:00:25Speaker 05

  But it ultimately him not being able to go find work, I'm sure is not helping their financial situation also.

• 1:00:32Speaker 05

  Other than him working with them.

• 1:00:38Caleb Hammer?

  So what was your plan for these taxes then?

• 1:00:41Speaker 05

  Uh, my plan was to, well, ultimately I was hoping that the house could sell and they just get paid. Because we have-

• 1:00:49Caleb Hammer?

  Why haven't you sold the house?

• 1:00:50Speaker 05

  It's, I need to, I need money to do some upgrades and-

• 1:00:54Caleb Hammer?

  What needs to be upgraded?

• 1:00:56Speaker 05

  Well, not-

• 1:00:57Caleb Hammer?

  Needs to be upgraded?

• 1:00:58Speaker 05

  Well, the water heater needs to be upgraded.

• 1:00:59Caleb Hammer?

  Yeah, but you can get that in a concession.

• 1:01:02Speaker 05

  Yes, yes, it could. Um, but making a concession when I'm asking $200,000 above market, um-

• 1:01:08Caleb Hammer?

  Why the [__] are you offering $200,000 above market?

• 1:01:11Speaker 05

  No, no, I, I, that's what I would need-

• 1:01:13Caleb Hammer?

  You stupid, you're not gonna get the-

• 1:01:14Speaker 05

  I would need that to cover the federal tax debt because the federal tax debt at 330,000 and we owe 124,000 on the house.

• 1:01:20Caleb Hammer?

  You can't even afford living at your house.

• 1:01:22Speaker 05

  Right, yeah, I've been-

• 1:01:23Caleb Hammer?

  So you have to sell regardless of if it fully pays off the tax debt or not?

• 1:01:26Speaker 05

  Well, my ex-wife could move in there and like-

• 1:01:30Caleb Hammer?

  She has another dude, it sounds like, why would she move in?

• 1:01:32Speaker 05

  Well, they're in a rental house and the mortgage is in their name. No, I don't, I don't think so.

• 1:01:39Caleb Hammer?

  Then why is this even something you're bringing up? Alright, listen up. If you're a serious investor, you need a serious investing platform. Not those apps that look like they're designed for teenagers. Risking allowance money on meme stocks.

• 1:01:54Caleb Hammer?

  I've been using Mu Mu for over a year because it's built for actual investors. The platform helps me cut through all the nonsense and see exactly what the big players in the market are doing. And my absolute favorite feature, institutional tracking. When everyone else is panicked buying because of Jim Cramer or Reddit, I just pull up Mu Mu to see the actual trades from the big institutions and hedge funds. It saved me from making some pretty sketchy trades, like almost buying the dip on that one movie theater stock. Plus, they give you fundamental analysis tools like insider activity tracking, Morningstar Equity Research Reports, and real-time market news, all built right into the app.

• 1:02:37Caleb Hammer?

  That means you won't end up with a desk buried in PDFs and spreadsheets like Michael Berry. And the cherry on top, there's zero commissions on stock trading and super low margin rates starting at just 6.8%. So not only are you making investing smarter, but you're also saving money along the way. Still not convinced? Mu Mu gave me my very own new user promotion that literally no other creator has. All you have to do is sign up and deposit $2,000 today, and Mu Mu will literally give you $150 in cash rewards towards your trades. And for any cash that just chills in the account uninvested, you earn an 8.1% APY for three months. Whether you want to build out your investment portfolio, level up your market analysis,

• 1:03:19Caleb Hammer?

  or you just love getting cash rewards, this is the platform you need. So hit the link in the description to get started with Mu Mu and claim your $150 cash reward after making a qualified deposit. Thanks again to Mu Mu for sponsoring this video. Let's get back into the audit.

• 1:03:34Speaker 05

  Well, because I thought they were going to, so like... Well, because at one point they had told me they were going to.

• 1:03:40Caleb Hammer?

  Why aren't they then?

• 1:03:41Speaker 05

  Yeah, I don't, I don't know.

• 1:03:47Caleb Hammer?

  Okay.

• 1:03:48Speaker 05

  Yeah.

• 1:03:48Caleb Hammer?

  So when you say you can't afford it, are you at least making your mortgage payments on time and giving up other things?

• 1:03:52Speaker 05

  So with the divorce, the agreement was that I paid the exact mortgage amount in rent through a rental contract that I did not quite read.

• 1:04:00Caleb Hammer?

  To her?

• 1:04:01Speaker 05

  Yeah, to them. Yeah, to them. So I pay them the thirteen fifty one each month. But I'm.

• 1:04:10Caleb Hammer?

  What about when you sell the house? Do you get equity?

• 1:04:12Speaker 05

  Yeah, I get half of whatever.

• 1:04:13Caleb Hammer?

  But you pay rent, okay.

• 1:04:15Speaker 05

  Right, exactly. Yeah. Um, I'm currently three months behind on the rent.

• 1:04:20Caleb Hammer?

  Oh.

• 1:04:21Speaker 05

  Because, uh.

• 1:04:23Caleb Hammer?

  But you are still prioritizing your money, your business that's definitely really gonna make money for the first time.

• 1:04:29Speaker 05

  It will. It will. It definitely will.

• 1:04:33Caleb Hammer?

  Can't work?

• 1:04:34Speaker 05

  I wouldn't be doing it.

• 1:04:35Caleb Hammer?

  No job, can't go outside, can't interact with people, okay.

• 1:04:37Speaker 05

  Yep. Can't be around the mouth breathers.

• 1:04:41Speaker 05

  Can't handle the heat in the kitchen.

• 1:04:46Speaker 05

  But yeah, the farm's going fantastic.

• 1:04:47Caleb Hammer?

  Just gonna fall on the ground and honestly, none of, none of us should pick you up and you should have to figure out. Yeah. And you should have to pick yourself up.

• 1:04:56Speaker 05

  Yeah.

• 1:04:56Caleb Hammer?

  You're not a little victim. You're gonna make yourself be, you're gonna sound like it, you're gonna cry like you are.

• 1:05:02Speaker 05

  I'm not trying to be a victim.

• 1:05:03Caleb Hammer?

  No, not yet, but you're failing. You're three months behind rent.

• 1:05:07Speaker 05

  I am three, I have failed, my guy.

• 1:05:10Caleb Hammer?

  You're not homeless yet.

• 1:05:12Speaker 05

  I, I was just evicted. They tried to evict me because of the stupid contract. Yeah, they evicted me and.

• 1:05:19Caleb Hammer?

  You guys don't have a good relationship.

• 1:05:22Speaker 05

  That, I don't, I don't know what they're honestly trying to get. I don't understand the point of evicting me and our child other than just money. So they can't be doing that well if they need me to cover all of the bills.

• 1:05:33Caleb Hammer?

  Maybe it's that you broke the contract, breaking.

• 1:05:36Speaker 05

  Well, the contract was only.

• 1:05:38Caleb Hammer?

  I don't know, we're not hearing.

• 1:05:39Speaker 05

  Written so the lawyer could get additional legal fees. Um, otherwise I wouldn't, and I, like, this lease is up in April. I'm not gonna sign another lease where they're gonna say, oh, if you don't pay, you're gonna be, you know, you have to pay all this.

• 1:05:52Caleb Hammer?

  Well, they tried and they didn't, it sounds like.

• 1:05:55Speaker 05

  Yeah.

• 1:05:56Caleb Hammer?

  You're not homeless.

• 1:05:57Speaker 05

  I'm not homeless.

• 1:05:58Caleb Hammer?

  I'm saying when your next batch that is definitely gonna make money doesn't.

• 1:06:05Speaker 05

  I have some on the drying rack right now.

• 1:06:07Caleb Hammer?

  That's amazing. Just historically based on your entire existence. Something's not giving me confidence. I don't know what it is. And, uh, DoorDash doesn't bring enough to make in. The fish is probably a waste of time. And it's taking away time that you get actually, and then all of a sudden you can't work and you're forced to take care of your kids because you can't have them be around other humans. And all of a sudden, it's all gonna come crashing down. You can't afford bills. You're gonna become in a homeless situation. It doesn't sound like the ex would take care of you anyway. Maybe your ex gets full custody. Who even knows? You're gonna hit the ground because you're not willing to change your life and you've fallen down very extremist. Just as extremist is like almost an incel, but in the other, in like the, the spooky COVID world.

• 1:06:54Caleb Hammer?

  You're just gonna fall and none of us should pick you back up because you just need to find your way back to normalcy.

• 1:07:00Speaker 05

  I don't think that's gonna happen.

• 1:07:06Caleb Hammer?

  I hope it doesn't.

• 1:07:10Caleb Hammer?

  I, I see you owe $334,000 to the IRS.

• 1:07:14Speaker 05

  Yeah, I, I can't, the minimum.

• 1:07:16Caleb Hammer?

  Over 10 years old.

• 1:07:18Speaker 05

  So this is currently non-collectible. So as long as I don't make more than 10,000, all of it is non-collectible. All of it is non-collectible. They can't come, they can't, the only thing they have is a lien on the house. That's the. But otherwise they're not taking.

• 1:07:33Caleb Hammer?

  Really? You didn't tell me that? Or did I just not hear that?

• 1:07:36Speaker 05

  Well, yeah, that's what I was, that's why I couldn't sell that because of the federal tax lien.

• 1:07:40Caleb Hammer?

  No. Well, that's pretty fucking substantial.

• 1:07:45Speaker 05

  Yeah, that's, that's what I meant. Why I couldn't.

• 1:07:46Caleb Hammer?

  Is, is they on the title?

• 1:07:48Speaker 05

  Yeah, they're, yeah, they're on the mortgage. That's why they were trying to.

• 1:07:52Caleb Hammer?

  So if it's not even up to you to sell, if you even want to, like, they would have to say.

• 1:07:57Speaker 05

  Yeah, they have ultimate say, but we have discussed.

• 1:07:59Caleb Hammer?

  Ultimate say?

• 1:08:00Speaker 05

  Well, I mean, like it's.

• 1:08:01Caleb Hammer?

  Do you have ultimate say if they want to and you don't?

• 1:08:04Speaker 05

  Uh, yeah.

• 1:08:04Caleb Hammer?

  They could just sell?

• 1:08:06Speaker 05

  I'm not totally sure on that one with a marital asset.

• 1:08:09Caleb Hammer?

  What does the agreement say?

• 1:08:14Speaker 05

  Um, I'm not totally sure, actually. Uh, it's just that I get whatever half of the value is when it sells. But half of zero is zero. So like it's, cause right now with this $300,000 lien on it, it would have to sell for almost $500,000 for us to get out and be in the green.

• 1:08:34Caleb Hammer?

  By the way, non-collectible doesn't mean they're never gonna do anything.

• 1:08:37Speaker 05

  Right. It just means they're not right now.

• 1:08:38Caleb Hammer?

  Right now.

• 1:08:38Speaker 05

  Because I'm not making enough money to make the minimum payment.

• 1:08:41Caleb Hammer?

  But if your magical thing happens, they're gonna want some money.

• 1:08:47Speaker 05

  They might, yeah.

• 1:08:48Caleb Hammer?

  They probably will.

• 1:08:51Caleb Hammer?

  It's a big bill. It's not an insubstantial bill.

• 1:08:57Caleb Hammer?

  Alright, well, credit one, because you're so good.

• 1:09:04Caleb Hammer?

  By the way, it's the bottom of the barrel of credit cards.

• 1:09:08Speaker 05

  Yeah, yeah, I was, uh, it's all I could get.

• 1:09:12Caleb Hammer?

  By the way, here, let me give you this. Again, I don't think budgeting's your issue, but I do like to give every guest one of these founders edition. Budget your financial, not, no, no, no, write down your financial journey in the budgeting book. Yes, it's signed, all that stuff. We sign them for, when they sign up for the annual version of the budgeting app, I send them a signed version, but you get one as well. I need you to document the entire process of your finances until you come on the follow-up channel, then I'm gonna read it.

• 1:09:39Speaker 05

  Okay.

• 1:09:39Caleb Hammer?

  Okay?

• 1:09:40Speaker 05

  Alright.

• 1:09:40Caleb Hammer?

  That's what you have to do.

• 1:09:40Speaker 05

  So like each step I take to get these things fixed?

• 1:09:43Caleb Hammer?

  Everything you do. Give me like a weekly review or whatever makes sense for your situation.

• 1:09:46Speaker 05

  Okay, so you seemed a little like, well, how did I, how did this, how did I not pay 42,000 in taxes? Like, you know, cause that's

• 1:09:55Caleb Hammer?

  Cause you guys filed quarterly, but didn't actually, you filed the paperwork, you just didn't pay anything.

• 1:10:02Speaker 05

  Yeah, and it's because I was spending money on other stuff.

• 1:10:06Caleb Hammer?

  No shit.

• 1:10:07Speaker 05

  I had, uh,

• 1:10:08Caleb Hammer?

  Obviously, where to go.

• 1:10:09Speaker 05

  Yeah, at the time, I had the truck I really wanted. It was a 2015 Silverado.

• 1:10:16Caleb Hammer?

  Yeah, for the real important hauling around a pair of boobs was a good job. So I don't know, I don't know why you need that.

• 1:10:24Speaker 05

  If only you knew what a joke that was.

• 1:10:28Caleb Hammer?

  Well, I'm sure they're impressive if they're making that much money.

• 1:10:30Speaker 05

  No.

• 1:10:34Speaker 05

  Okay, at the same time, I also had my dream car. It was a 06 Mitsubishi. Yeah, I had a truck and a car that were both financed.

• 1:10:45Caleb Hammer?

  Well, now you have Credit One.

• 1:10:46Speaker 05

  And now I have Credit One. So, yeah, I had my 06 Mitsubishi Lancer. We were living in a 3,000 square foot brick mini mansion in Knoxville. Uh, we were well outside of our means and I did not have the money to... When I saw like, "Oh, I should be paying like 9,000 on this quarterly payment." I was like, "I don't have 9,000," so then I just wouldn't do it. Uh, because I thought it ultimately was just like, "I'll get a payment for it and take care of it eventually." And, uh, that never happened. There was this other thing I got a little into when we were having a good bit of money coming in, starting in 2014. Uh, this little game called Magic the Gathering.

• 1:11:31Speaker 05

  Have you, have you heard of that?

• 1:11:33Caleb Hammer?

  Yes.

• 1:11:36Speaker 05

  I, I played competitively for the better part of the last 12 years. Um, not really to the point where I ever made any money.

• 1:11:46Caleb Hammer?

  By the way, I said 1% earlier and I just wanted to do more work. It's 0.5% is the death rate globally. Continue.

• 1:11:52Speaker 05

  So, at the time, when I was not paying taxes, uh, I was, uh, going to, you know, like my Friday night Magic every single week.

• 1:12:06Caleb Hammer?

  Mm-hmm.

• 1:12:07Speaker 05

  And sitting down with a...

• 1:12:08Caleb Hammer?

  Yeah, keep going.

• 1:12:09Speaker 05

  Yep. Uh, and I like to have the best deck in the room. Uh, I like to go all-in when I do something, so I would build, you know, full four-in, full foil. Uh, just different types of stuff. And that ultimately, uh, really got to my ex, that I would be spending, uh, these numbers on Magic cards. And the Credit, Credit One card definitely had, uh, some Magic card purchases.

• 1:12:38Caleb Hammer?

  Forty-seven dollars of fees. Why? Because you probably didn't make a... There it is, late fee! There it is, plus of course your normal annual... Oh! Four hundred and fifty dollars is the credit limit. You owe 570, 517.

• 1:12:54Caleb Hammer?

  Well done!

• 1:12:56Caleb Hammer?

  Really setting your kid up for success.

• 1:12:58Speaker 05

  I'll get those taken care of soon.

• 1:13:02Speaker 05

  As soon as I can.

• 1:13:04Caleb Hammer?

  As soon as you can.

• 1:13:05Speaker 05

  I have a payment scheduled for the-

• 1:13:07Caleb Hammer?

  Your adult life has been nothing but a joke. What is this as soon as you can? You never will based on your track record. By the way-

• 1:13:13Speaker 05

  Well, I have to.

• 1:13:14Caleb Hammer?

  You never made money. Your ex did.

• 1:13:17Speaker 05

  Well, we made it together, like-

• 1:13:20Caleb Hammer?

  Sure.

• 1:13:20Speaker 05

  Them live streaming was the largest portion, but like-

• 1:13:23Caleb Hammer?

  Yes, but you've never accomplished anything on your own.

• 1:13:27Speaker 05

  A lot of that was from my hard work also.

• 1:13:29Caleb Hammer?

  You've never accomplished anything on your own. You couldn't have done that without-

• 1:13:32Speaker 05

  I would like to say my kid is my best accomplishment.

• 1:13:34Caleb Hammer?

  I'm talking fucking-

• 1:13:35Speaker 05

  Oh, financially?

• 1:13:36Caleb Hammer?

  This shit. Oh, you know the show? Yeah.

• 1:13:38Speaker 05

  That's, yeah, I-

• 1:13:40Caleb Hammer?

  You've never done anything. You've never been successful.

• 1:13:44Speaker 05

  I feel like I've had glimpses of success.

• 1:13:46Caleb Hammer?

  Six months max, uh huh, yeah.

• 1:13:49Speaker 05

  Oh, you mean from work? Yeah, magic, uh, it was a little over a hundred thousand dollars. The store owner at one point showed me, uh, how much I had spent. And, uh, personally thanked me for keeping the lights on.

• 1:14:04Caleb Hammer?

  Instead of keeping your own lights on for your fucking kid. Father of the year, ladies and gentlemen.

• 1:14:10Speaker 05

  Well, at that point, I had much higher income. The power bill wasn't behind then or anything, just-

• 1:14:16Caleb Hammer?

  Cook silver, right. Did you have a fully funded emergency fund?

• 1:14:19Speaker 05

  No.

• 1:14:21Caleb Hammer?

  Then you couldn't afford it. By the way, I'm just getting some just statistics out there for long COVID as we go through this entire situation. Just so I can try to become more educated on it. Obviously-

• 1:14:34Speaker 05

  I appreciate that.

• 1:14:35Caleb Hammer?

  It's very blah, blah, blah, impromptu. Uh, about 5% of people who get officially diagnosed with COVID get long COVID. Of course, we know the majority of people who get COVID are not officially diagnosed with it these days. But of those who are-

• 1:14:48Speaker 05

  And also-

• 1:14:49Caleb Hammer?

  5%, and of those who get diagnosed with long COVID, um, the vast majority of them, that long COVID only exists for max to, max of a few months post-infection. The small minority of the small minority of the small minority have it for a year.

• 1:15:08Speaker 05

  There, there's people that have been constantly hospitalized with it.

• 1:15:11Caleb Hammer?

  People, there's people who've experienced everything. There are people that will walk outside right now and get hit by a car. Do I destroy my entire life for it? No.

• 1:15:22Speaker 05

  I don't play in traffic either.

• 1:15:25Caleb Hammer?

  There are people who get on a plane and it crashes. Doesn't mean you didn't get on a plane to come here.

• 1:15:32Speaker 05

  Yeah, true.

• 1:15:34Caleb Hammer?

  Oh my gosh, I actually may have made a fucking breakthrough. Who would have thought? Five hundred forty-three dollars and two cents.

• 1:15:40Speaker 05

  Well, this one was just to diversify my credit portfolio at the time.

• 1:15:44Caleb Hammer?

  Oh, you real diversified it above the credit limit.

• 1:15:47Speaker 05

  Yeah, that's, I, I didn't mean to do, I had them all below the limit.

• 1:15:52Caleb Hammer?

  Fucking payment, so you didn't mean to do it, fuck you.

• 1:15:54Speaker 05

  Well, the late fees and payments have put them over the limit. I had them all below there.

• 1:15:58Caleb Hammer?

  Because you're not paying on time. What do you think would happen? Dude, you're a dumbass. Of course, that is your choice. Still, you still spent two hundred twenty-four dollars going out to eat and then miscellaneous bullshit thinks that don't matter. Could be video games, it could be whatever, we're about to find out. As in addition to two hundred twelve dollars, you could have made your payment. It's a hundred thirty dollars. Fuck you, this is a choice. Irresponsible. You're a child adult. You're a child adult. You're a child adult. You look like John Green, but you're a moron.

• 1:16:27Speaker 05

  I don't even know who that is. Yeah, well, this, this is the Quicksilver card? Uh, well, this was, this was used right after the divorce, uh, when I was looking for work and couldn't get any help from the government, um, because I was still on my wife's finances.

• 1:16:46Caleb Hammer?

  Couldn't get any help from the government, hasn't paid taxes for a fucking decade. Who the do you think you are to get help? You didn't put into the pile, asshole.

• 1:16:57Caleb Hammer?

  Yeah, yeah, nothing to say to that. Yeah.

• 1:17:03Caleb Hammer?

  Yeah.

• 1:17:03Speaker 05

  Yeah, this was mostly for, for food at the time. Um, just getting by to do what I could.

• 1:17:12Caleb Hammer?

  Wonderful. Yeah, you spent five hundred dollars on bull. Wait, on what? I told you, it was like two fifty on going out to eat and another two fifty on miscellaneous bull. Yeah, a hundred thirty to be caught up on your minimum monthly payment on this. Then it would have been about forty bucks a month after that. Yeah, fuck you. That's going back to the divorce. Oh, wow, poor me. I was just trying to eat. Sure, in that situation, look where you are now. You spent five hundred dollars on bullshit, minimum, minimum, minimum. You could have paid a hundred thirty dollars. Shut the fuck up. Shut the fuck up. There is no defensible thing you could possibly say to that. There is no need to be a moron to that. It is not required.

• 1:17:48Caleb Hammer?

  Shut the fuck up. It would normally be forty bucks.

• 1:17:51Speaker 05

  Yeah, I just didn't have the money to pay it.

• 1:17:53Caleb Hammer?

  No, I have an itch in my nose. Maybe I should spray a random spray up there.

• 1:17:59Caleb Hammer?

  Yeah, feasible.

• 1:18:02Caleb Hammer?

  Pass to thirty percent interest rate. Moron, I wouldn't even recommend the Fiz card to you, because.

• 1:18:08Speaker 05

  The what?

• 1:18:08Caleb Hammer?

  Debit card that builds credit, that's for the audience, not for you. I wouldn't trust you with it. I wouldn't. And nah. Again, this is nothing that the budgeting app, well, we get, we get, um,

• 1:18:22Caleb Hammer?

  something like a thousand, uh, signups for the premium a day. It's pretty cool. People are actually changing their lives out there, taking control of their money.

• 1:18:31Speaker 05

  That's good.

• 1:18:33Caleb Hammer?

  You couldn't do it.

• 1:18:35Speaker 05

  I'll get there. You will see. I will get there.

• 1:18:38Caleb Hammer?

  You have thirty-four years to do it, and you're in the worst position I've ever seen on the show practically because of your IRS. This is a fucking, your hammer financial score. I mean, you have a lien on your house, so it's gonna be a zero. Like, you have nothing going for you.

• 1:18:50Speaker 05

  It's not even my house. Technically.

• 1:18:53Caleb Hammer?

  You're not on the title?

• 1:18:55Speaker 05

  No.

• 1:18:56Caleb Hammer?

  Oh!

• 1:18:56Speaker 05

  No, I'm not. I'm not on.

• 1:19:00Caleb Hammer?

  Yeah!

• 1:19:01Speaker 05

  No, my.

• 1:19:02Caleb Hammer?

  Oh, for fuck's sake. So, selling the house will wipe out your IRS? What? There is no selling your house. You didn't have a house!

• 1:19:09Speaker 05

  No, no, I'm selling the marital home, I mean, like, well.

• 1:19:12Caleb Hammer?

  The marital home?

• 1:19:13Speaker 05

  That's.

• 1:19:14Caleb Hammer?

  There is no marriage.

• 1:19:16Speaker 05

  Well, there was, so.

• 1:19:18Caleb Hammer?

  They have a house.

• 1:19:19Speaker 05

  Yeah, that I'm currently three months behind on rent.

• 1:19:22Caleb Hammer?

  Rent?

• 1:19:23Speaker 05

  That.

• 1:19:24Caleb Hammer?

  You're a tenant. You don't have a house. Oh, fuck me. What is this? What is this? I'm on Capital One.

• 1:19:40Caleb Hammer?

  Three hundred and seventy more dollars and eighty-four cents. Minimum of the payment, one hundred and twelve, probably normally forty, but guess what? We didn't pay, we're all surprised, late fees. Interest charge. What a joke. What a fucking joke. Thirty-one percent interest. Oh, what is this, consumer energy? I remember that from up there. Oh, yeah, we still owe eight thousand two hundred and ninety-seven dollars. Just, why don't you just do anything right, ever?

• 1:20:10Speaker 05

  I have tried to pay this down, but the fees and stuff are just getting kind of ridiculous.

• 1:20:14Caleb Hammer?

  Which you fucking deserve. Cause you got into that. You do any companies, sometimes they do fuck over people. You fucked yourself over. You didn't like.

• 1:20:25Speaker 05

  I think it was a collaborative effort.

• 1:20:27Caleb Hammer?

  I don't think so, I don't think so. Look at your entire track record and how you go about life. No, I don't believe for a single second you're a victim in anything. You've put yourself in these situations, my gosh.

• 1:20:39Speaker 05

  I have tried to get that resolved. This was, uh, from twenty twenty-three when I was using the, uh, marital home to operate the farm. The electric bill average was like sixteen hundred a month.

• 1:20:51Caleb Hammer?

  Yeah, so you don't have that home then.

• 1:20:55Speaker 05

  That's, that's, that seems like the best way forward.

• 1:20:58Caleb Hammer?

  If you can't afford the shit you get into, don't get into it, you dumb tip. And get out of it if you have to. I can't, there's a lien, blah, blah, blah.

• 1:21:05Speaker 05

  I think getting out of stuff has been my, one of the harder things in my life to do, to just quit and move on. Uh, yes, yeah.

• 1:21:15Caleb Hammer?

  What?

• 1:21:15Speaker 05

  So currently it's, the market is two hundred and ninety and we owe a hundred and twenty, well, they owe a hundred and twenty-four thousand.

• 1:21:23Caleb Hammer?

  But obviously if they pay off the debt, the IRS debt, that means you're in the clear too. Do they have any intention or desire to, do you know?

• 1:21:32Speaker 05

  To pay off the debt?

• 1:21:33Caleb Hammer?

  Yes.

• 1:21:33Speaker 05

  No, nor the ability.

• 1:21:36Caleb Hammer?

  What, do they make good money anymore?

• 1:21:38Speaker 05

  I don't think so, I don't think they're making anywhere.

• 1:21:40Caleb Hammer?

  Titties are making the money?

• 1:21:43Caleb Hammer?

  I mean porn stars kind of go, right?

• 1:21:46Speaker 05

  Sometimes. Some, some get way more successful, uh, I mean.

• 1:21:51Caleb Hammer?

  I haven't studied the field personally, so.

• 1:21:56Caleb Hammer?

  Not even our monthly payment for this?

• 1:21:58Speaker 05

  Uh, I was, but they needed fourteen hundred a month for it, um, for the minimum payment. So, uh, I can't afford that currently.

• 1:22:06Caleb Hammer?

  The course is just your income combined for your very successful businesses.

• 1:22:12Caleb Hammer?

  How many employees do you have in this bull-

• 1:22:14Speaker 05

  Just one.

• 1:22:17Speaker 05

  And then-

• 1:22:17Caleb Hammer?

  You made it sound like so much more substantial earlier.

• 1:22:21Speaker 05

  Well, I can't afford more, I can-

• 1:22:23Caleb Hammer?

  No sh- Listen, I'm gonna give you a course career certification in accounting. Hopefully that at least helps with the businesses, but I would honestly just abandon these and just go work a job if you're able to operate in a room with people. But you're not able to, so you probably can't get a job, so you're probably- Oh my- Again, I think this situation's in, unfixable because you're not able to operate like a human. And because of that, uh, the situation's broken.

• 1:22:54Caleb Hammer?

  Ninety-three dollars in our checking account, oh, ATM withdrawal, where'd I go, Subway?

• 1:23:01Caleb Hammer?

  Mm-hmm, called it. Taco Bell, Amazon Prime, PayPal and out, went inside, got some bolt- eBay, Taco Bell, Taco Bell.

• 1:23:12Caleb Hammer?

  Subscription, PayPal and out, Blizzard, Donald's, Netflix, Taco Bell. Great use of resources.

• 1:23:22Speaker 05

  It's all garbage.

• 1:23:23Caleb Hammer?

  Yes, it is. Great use of resources when you're completely and destroying your good future.

• 1:23:28Speaker 05

  Thirty-one percent interest on a credit card.

• 1:23:30Caleb Hammer?

  A, you owe three hundred and thirty-four to the IRS. Credit cards are the least of my concern. Taco Bell, McDonald's, Shopify, Meyer. But it's cheap Meyer, so it's not groceries probably. Taco Bell, Taco Bell. Cash app, Taco Bell, Taco Bell. What the f is your obsession with Taco Bell?

• 1:23:48Speaker 05

  My kid loves the three cheese chicken flatbread. They're two forty-nine.

• 1:23:51Caleb Hammer?

  Okay.

• 1:23:52Speaker 05

  And they just love, so most of them are just-

• 1:23:54Caleb Hammer?

  So it's scary if she gets a cold, but it's good to shove fast food down her throat.

• 1:24:02Speaker 05

  At the end of the world, it's good to live a little.

• 1:24:06Caleb Hammer?

  But you won't let him go outside or interact with humans.

• 1:24:09Speaker 05

  They go to gymnastics every week, just-

• 1:24:11Caleb Hammer?

  Cool, they get to see people once a week.

• 1:24:14Speaker 05

  Ugh.

• 1:24:28Caleb Hammer?

  I I I I I I I don't know. I just feel bad for the kid. Oh, you spent money on OF. What are you trying to see the old pair?

• 1:24:37Speaker 05

  No, a different friend.

• 1:24:40Caleb Hammer?

  Friend?

• 1:24:41Speaker 05

  Yeah.

• 1:24:42Caleb Hammer?

  Yeah, they probably don't know you exist.

• 1:24:43Speaker 05

  What? No, it's a it's a real life friend.

• 1:24:47Caleb Hammer?

  PayPal and out. Why the fuck are you giving them money then?

• 1:24:50Speaker 05

  Wait.

• 1:24:51Caleb Hammer?

  Wait, to see them naked?

• 1:24:53Speaker 05

  Oh, on. Oh, well, it's not a lot of money.

• 1:24:56Caleb Hammer?

  Huh?

• 1:24:56Speaker 05

  It's not a lot of money on there.

• 1:24:57Caleb Hammer?

  Buddy, you have no money. You only have debt. You're a joke. He's, oh.

• 1:25:02Speaker 05

  I like to be supportive of my friends. That's

• 1:25:04Caleb Hammer?

  Yeah, maybe support your fucking kid. Taco Bell, Taco Bell. Ah, I'd say I'd have eighty-five bucks or whatever PayPal out, Amazon, Taco Bell. Another subscription on Netflix Blizzard. Wait, this looks like a repeat. Uh, but it's not. No, it's just a different time frame. Taco Bell, Taco Bell, Blizzard, Blizzard. I think this is another month during the same exact bull and no retirement.

• 1:25:29Caleb Hammer?

  Well, buddy, this isn't a budget conversation. Why the fuck waste my time making a budget? I don't get it. It doesn't make sense. You don't make enough money to be able to do budget. What's your rent to them?

• 1:25:40Speaker 05

  The thirteen fifty-one.

• 1:25:41Caleb Hammer?

  Yeah, you don't make enough money. Like, this isn't I this isn't something I can make a budget for. That's not how this works.

• 1:25:47Speaker 05

  I will be. I'm just, I haven't been there yet.

• 1:25:51Caleb Hammer?

  Thirty-four years of that being there yet. All of a sudden magically it's gonna start happening.

• 1:25:55Speaker 05

  It's not magically. I've been doing hard work for years to get my farm prepared.

• 1:25:59Caleb Hammer?

  You work twenty hours a week. You're a

• 1:26:00Speaker 05

  What?

• 1:26:00Caleb Hammer?

  You you you don't know.

• 1:26:06Caleb Hammer?

  That's not what has to change. The budget isn't what has to change. Yes, you should cut down on your spending a bull. That's not gonna make a dent in the IRS, honestly.

• 1:26:14Speaker 05

  Yeah, right. That was my thinking also that it's not gonna make a dent.

• 1:26:17Caleb Hammer?

  Well, it it will make it worse. So, yes, you're supposed to cut back on saving, but again, that is not the biggest thing at play here. Your worldview is I'm not saying if you were immune compromised or fat or whatever, you shouldn't be afraid of certain things. Not saying that. More likely than I, of course. I'm not in any extremist camp. I try to be as objective as possible and just go off of what data exists. You're not able to operate in society, meaning I can't give you a budget that is in society. There is nothing that can be done here unless you actually join us and like the world.

• 1:27:02Caleb Hammer?

  It's like, I don't know. You're in your own world and you're scared. And I can respect the the feeling of being scared. As someone who gets anxious very easily, I can at least respect that.

• 1:27:15Speaker 05

  I hope there's a time where I can.

• 1:27:17Caleb Hammer?

  But you've developed a phobia.

• 1:27:19Speaker 05

  Yeah, yeah, definitely.

• 1:27:20Caleb Hammer?

  But that phobia is preventing you from existing or giving your kid a life or being able to prepare yourself for the future or your kid for the future.

• 1:27:26Speaker 05

  But even if I make these changes, my kid's not going to make those changes because their mother's not going to make those changes. So.

• 1:27:35Caleb Hammer?

  And that's beyond the scope of me.

• 1:27:39Speaker 05

  Yeah, I just had, I have just doordash in the farm currently. That's, that's my, my goal.

• 1:27:46Caleb Hammer?

  There's no budget in here, man.

• 1:27:47Speaker 05

  I have a, I filled this out on my phone even to like, I filled all of my stuff out.

• 1:27:52Caleb Hammer?

  And it probably says you spend more than you make.

• 1:27:55Speaker 05

  No, I can show it to you if you'd like. I filled it.

• 1:27:57Caleb Hammer?

  You spent like almost $4,000.

• 1:27:58Speaker 05

  Well, I mean, what's coming in like so I can prepare for when I am making money so I can set things aside and not mess up again.

• 1:28:05Caleb Hammer?

  What are you gonna make in this magical world if everything goes right?

• 1:28:07Speaker 05

  Okay, so everything going right. So let's, do you have a calculator? I can, can I borrow this? Okay. Uh, let's, it's about $250 a day is what this, this will translate. So $10 an hour, 24 hours a day without me working.

• 1:28:27Caleb Hammer?

  Gross.

• 1:28:29Speaker 05

  Well, or if you want to cut it to a 10 hour day, $24 an hour.

• 1:28:32Caleb Hammer?

  I'm saying, what does it make net daily? Profit?

• 1:28:35Speaker 05

  Yeah, that's my profit. $250 a day is what my profit will be as of April.

• 1:28:40Caleb Hammer?

  As of something that hasn't happened yet that you're really hoping.

• 1:28:43Speaker 05

  It's happening now. Like, the plants are there. I don't know how else to explain that. Like, it is doing.

• 1:28:49Caleb Hammer?

  You still have to move the inventory.

• 1:28:50Speaker 05

  That's not the hard part. I have fantastic patience. That is not the hard part. The hard part has been having enough space to grow enough stuff to take care of this mountain of debt.

• 1:29:03Caleb Hammer?

  $250 a day for how long?

• 1:29:06Speaker 05

  Every single day.

• 1:29:07Caleb Hammer?

  Forever.

• 1:29:08Speaker 05

  And, yes, and, and, and that's the minimum.

• 1:29:11Caleb Hammer?

  So you're making $91,000 a year?

• 1:29:14Speaker 05

  Yes, that is the projected from just my portion after paying all of the bills and employees.

• 1:29:19Caleb Hammer?

  $7,604. Cool. Catch up on rent, pay off your debt. There you go. Congratulations.

• 1:29:25Caleb Hammer?

  I don't know what?

• 1:29:27Speaker 05

  That's, that's...

• 1:29:28Caleb Hammer?

  I just don't believe you. You don't have a track record. You can't. You can't because you don't have a track record.

• 1:29:33Speaker 05

  Until I do it.

• 1:29:34Caleb Hammer?

  You're not, yes. And if you do do it, I will give you the biggest high five in the world. And I will celebrate with you. But your track record makes you a not reliable narrator on anything regarding money. You've been working on things forever. You made plans for taxes for five years and never did anything. I can't believe you. And you have to at least be able to recognize that.

• 1:29:56Speaker 05

  Yeah, I recognize your position.

• 1:29:58Caleb Hammer?

  I don't care. Like, this isn't, I just feel bad for you. I feel bad for your life. I feel bad for your kid's life. I feel bad for your ex. Whatever's life. I feel bad for their new person's life. I feel bad of, I feel bad for anyone, no matter the extreme they have fallen down. Feel bad for anyone's phobias. Phobias are inherently irrational. I have a phobia of flying. It's irrational. It's irrational. It does. But luckily, I'm still able to live life. You're not.

• 1:30:31Caleb Hammer?

  You're falling behind and dying. And your hammer financial score is zero. I just feel bad for you. And I hope you get the mental health help that you need. Cause you've fallen down a dark hole. Unfortunately, you're dragging a child down with you. And that's what's sad.

• 1:30:47Speaker 05

  I don't feel like.

• 1:30:48Caleb Hammer?

  We're gonna go to the post show guys. Apparently, I don't know what it is, but Lindsay, our producer, has told me that she has something for this post show that is incredible. She told me that she has this like two days ago and I never hear that about post shows. So I'm very excited. Um, so woo. Join us in the post show. And we'll see it there. You can join the elite version. There's thousands of hours of extra content and we upload something new every single day almost at this point. And make sure you download the simpler budget app. I'll see you in the post show. Bye bye bye. Oh my, so you're fucking over people in your lives.

• 1:31:21Speaker 05

  No, I'm not trying to.

• 1:31:22Caleb Hammer?

  Share with Caleb how you've taken investments from people. Don't you fuck there.

• 1:31:27Speaker 05

  I can give good advice.

• 1:31:28Caleb Hammer?

  Really? You have three max out credit cards over maxed out IRS that in the six.

• 1:31:34Speaker 00

  To watch the financial audit post show, click the join button below. Now, more than ever, we need someone on our side. But Rob Whitman, Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com, not authorized by any candidate or candidate's committee.