She’s Back | Financial Audit

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

• 0:00Speaker 00

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• 0:30Speaker 01

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• 0:36Speaker 01

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• 0:58Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Last time, did you learn from the conversation?

• 1:04Speaker 03

  I learned that what you said was not for me. Forty to forty-five an hour for my PR agent. Part of me that says I can't afford that, but the spiritual side of me says I can if I believe it and then more money comes in.

• 1:19Caleb Hammer?

  You're a joke.

• 1:21Speaker 03

  I need to... Are you going to meditate?

• 1:25Caleb Hammer?

  All of our education is bundled together for 15% off with a 30-day money-back guarantee. Go to CalebHammer.com/bundle or click the link in the description or pin comment below.

• 1:33Speaker 03

  I'm Amber Pilarita. This is Mac. I'm 28 years old. He's 15 years old. We live in Topanga, California, just outside of Los Angeles, and this is Financial Audit. And this is Caleb Hammer.

• 1:48Caleb Hammer?

  Yep, welcome back. Welcome back. We filmed a year ago.

• 1:53Speaker 03

  It's our anniversary.

• 1:54Caleb Hammer?

  Yeah, so you're one of the last episodes that went up last year. Very popular episode. People liked it. Looks like 1.4 million views today.

• 2:03Speaker 03

  I love that.

• 2:03Caleb Hammer?

  People want to see where you are, so we're excited to have you back on. What do you do for a living?

• 2:09Speaker 03

  Every time someone asks me this question, I have no clue what to say.

• 2:12Caleb Hammer?

  Maybe your income source.

• 2:14Speaker 03

  Okay. Well, I am a performance artist.

• 2:19Caleb Hammer?

  What does that mean?

• 2:20Speaker 03

  Performance art is art made by performing um on stage. You're a performance artist.

• 2:28Caleb Hammer?

  In a way, I guess, yeah. I just record conversations, but sure, yeah, yeah.

• 2:34Speaker 03

  You're an entertainer.

• 2:35Caleb Hammer?

  Yeah.

• 2:35Speaker 03

  So same here, but uh my main source of income right now is being a social media producer.

• 2:42Caleb Hammer?

  What do you produce?

• 2:42Speaker 03

  I produce ads. There are some organic ones that are considered social media content for many brands. I am also a UGC producer, user-generated content.

• 2:55Caleb Hammer?

  Mm hmm.

• 2:56Speaker 03

  So those are the ads when you're scrolling on like your TikTok or your Instagram.

• 2:59Caleb Hammer?

  You interrupt our brain rot.

• 3:01Speaker 03

  Yes, exactly. I'm like, this is the best water bottle I've ever had. That's me. I get paid a lot of money to do that.

• 3:10Caleb Hammer?

  Uh huh.

• 3:11Speaker 03

  And other things, I get paid to post on social media, dream come true.

• 3:15Caleb Hammer?

  Well, sponsored posts, is that what you're saying?

• 3:17Speaker 03

  That sort of thing.

• 3:18Caleb Hammer?

  Okay, so what are we making with all this? Like, average month, average month.

• 3:22Speaker 03

  You know, I'm not good with the numbers.

• 3:24Caleb Hammer?

  I do remember that, but let's, you know, I want to have made progress.

• 3:30Speaker 03

  Yeah.

• 3:30Caleb Hammer?

  Even if you're a performance artist and stuff, like, you're here for actual real shit, right?

• 3:36Speaker 03

  Yeah.

• 3:37Caleb Hammer?

  Okay, so how much comes in on a monthly basis?

• 3:42Speaker 03

  Uh, if I had to estimate right now on the internet, I would say.

• 3:50Caleb Hammer?

  On the internet? What is it different if it wasn't on the internet? Was it, would it be different if it's not on the internet?

• 3:55Speaker 03

  Yeah, if I weren't on the internet, I wouldn't even be looking. I'd be hiring a CPA, which I'm trying to do.

• 4:00Caleb Hammer?

  Now with four thousand dollars.

• 4:01Speaker 03

  Next year.

• 4:02Caleb Hammer?

  Well, I mean, you could, but there would be no need. Chill.

• 4:06Speaker 03

  That is one thing I wanted to talk to you about today, because I need help hiring a team. Oh, my God, taxes.

• 4:10Caleb Hammer?

  You make forty thousand dollars a month.

• 4:12Speaker 03

  Um, I haven't really been counting, but.

• 4:16Caleb Hammer?

  Counting what?

• 4:16Speaker 03

  It's only going up, bro.

• 4:19Speaker 03

  Counting my income. I don't look. I just make it. I intuitively.

• 4:22Caleb Hammer?

  Your personality is just as curious as it was last year. You are, uh.

• 4:27Speaker 03

  That's one word for it.

• 4:28Caleb Hammer?

  This is, you know, there are gonna be comments. There are gonna be comments that think like you're just like putting on a show and stuff, especially with that. No, you should have seen her. We, because it's a follow up and, you know, actually at the time of having you on last year, you were dating a friend of my camera guy.

• 4:45Speaker 03

  Brandon.

• 4:46Caleb Hammer?

  Well, Brandon's the editor, yes. So, you know, uh, we, we do like you and know you more. So we allowed you to just come in and hang out. No, this is how she actually is. This is her literal realness. She seriously just spent like, uh, forty-five minutes meditating and preventing us to start.

• 5:08Speaker 03

  We started much later than we planned.

• 5:10Caleb Hammer?

  So, I just wanted to throw it out for anyone that thinks she's like being a performance artist right now. So she does for a living and I can see why, but good, okay, no, I mean, it's just, you're interesting. They're curious.

• 5:24Speaker 03

  Oh my God, thank you.

• 5:25Caleb Hammer?

  Okay, yeah. So, you're right. Technically up by a thousand bucks. You were making like three thousand a month last time.

• 5:32Speaker 03

  Really? Wow. Cause I remember.

• 5:35Caleb Hammer?

  According to you.

• 5:36Speaker 03

  Well, you know, average, median, max, I don't know. But I remember that my bank accounts were in the negative last time.

• 5:45Caleb Hammer?

  Yeah, it was.

• 5:46Speaker 03

  Which was crazy. What's that Venn diagram?

• 5:49Caleb Hammer?

  We'll get there.

• 5:50Speaker 03

  Okay.

• 5:53Speaker 03

  So anyways, um, yeah, the income sources are varied right now. That's what's amazing. I'm gonna talk about what I want to talk about.

• 6:01Caleb Hammer?

  You made a ceremonial drink in the green room. That's why we're taking so long?

• 6:05Speaker 03

  Yeah, Lindsay got me a knife and a cutting board.

• 6:09Caleb Hammer?

  What the fuck are you drinking?

• 6:11Speaker 03

  Cacao. It opens your heart. That's the only reason I'm able to sit here and talk to you.

• 6:17Caleb Hammer?

  The stuff that makes chocolate?

• 6:18Speaker 03

  Yeah, it's ceremonial. So, um, I was just telling Clara, Clara, indigenous tribes, thousands of years have been using this to open their hearts.

• 6:28Caleb Hammer?

  Yeah, and they've been known for living past forty.

• 6:31Speaker 03

  I don't know. Dude, chill.

• 6:34Caleb Hammer?

  What?

• 6:34Speaker 03

  Chill.

• 6:36Caleb Hammer?

  What?

• 6:37Speaker 03

  Chill.

• 6:38Caleb Hammer?

  Are you like insulted by that? I don't know. We started late because you're cutting cacao.

• 6:42Speaker 03

  Are you talking about indigenous tribes' life expectancy?

• 6:45Caleb Hammer?

  Just in general, I don't know.

• 6:46Speaker 03

  People? Me?

• 6:48Caleb Hammer?

  You're talking about, this doesn't matter. This literally doesn't matter. Go on.

• 6:51Speaker 03

  It doesn't.

• 6:51Caleb Hammer?

  Continue.

• 6:52Speaker 03

  What was your question again?

• 6:53Caleb Hammer?

  Okay.

• 6:54Speaker 03

  Can we talk about, um, my other sources of, my other sources of income? Acting, modeling, traveling, having fun.

• 7:06Caleb Hammer?

  Yeah, you came on when we had a, when we had more people, we allowed more people who were interested in being in front of the camera. Yes, your first time, yeah.

• 7:15Speaker 03

  Uh, that's my job.

• 7:16Caleb Hammer?

  I know, I know. It's, they're always interesting individuals and sometimes it feels like they're not looking for help. Are you looking for help?

• 7:24Speaker 03

  Yeah, am I allowed to ask questions now?

• 7:26Caleb Hammer?

  Yes. Well, I haven't even like barely talked at all. You can of course ask questions. What do you mean?

• 7:33Speaker 03

  Okay, so, where do we start?

• 7:35Caleb Hammer?

  Well, okay, well, no, no, for the, for the sake of the audience, I want to set a baseline though. So, total, you're saying everything that comes in across all those on average is four thousand hours a month?

• 7:47Speaker 03

  Right now, I think we, um, we average four.

• 7:52Caleb Hammer?

  Lots of contract pay, not W two.

• 7:56Speaker 03

  Hell no.

• 7:57Caleb Hammer?

  So you're setting thirty percent aside for taxes?

• 8:00Speaker 03

  Um, no, not yet.

• 8:02Caleb Hammer?

  Yet? When was the last time? What the fuck are you doing? Hey, let's pay attention. Okay.

• 8:08Speaker 03

  No, I'm actually like two years behind on taxes. They just emailed me.

• 8:12Caleb Hammer?

  They just emailed you. How much you owe, do you know?

• 8:16Speaker 03

  Well, you know, I didn't make that much money last year, so.

• 8:19Caleb Hammer?

  How much did you make last year?

• 8:20Speaker 03

  I don't know.

• 8:21Caleb Hammer?

  How much have you made this year?

• 8:23Speaker 03

  I also don't know. Maybe thirty K?

• 8:27Caleb Hammer?

  Okay.

• 8:28Speaker 03

  That seems like a lot.

• 8:28Caleb Hammer?

  I wanna, let's just, you know, we were here, let's start even here. You came on, we talked about what to do. I talked about making plans. Overall financial plan for you was to hopefully get a forty hour a week job and actually twenty hours a week on the personal business that you're trying to do. Building out that monthly budget, starting to take control of our debt and then getting back on retirement.

• 8:53Speaker 03

  Yeah, I paid off one credit card.

• 8:55Caleb Hammer?

  Okay, okay, so that's what my question was gonna be. This, I want this to be a very real topic, a very real conversation.

• 9:06Speaker 03

  Me too.

• 9:06Caleb Hammer?

  This last, the last conversation we had

• 9:12Caleb Hammer?

  had very serious implications. Where have we gone since then? Where have we gone? What has changed? We know income has gone up by a thousand, but we owe two years of taxes, including this year's about to be number three, right? I have a feeling.

• 9:23Speaker 03

  Um, hopefully that CPA will help me out.

• 9:27Caleb Hammer?

  They don't, they don't fix it, they just, oh my.

• 9:29Speaker 03

  They don't?

• 9:30Caleb Hammer?

  We're not a magic pill, the CPA will CPA.

• 9:34Speaker 03

  There are many spiritual CPAs in Los Angeles.

• 9:38Caleb Hammer?

  It has to be spiritual for you?

• 9:40Speaker 03

  Yeah, yeah.

• 9:41Caleb Hammer?

  Why are we still on that train that hasn't worked?

• 9:46Speaker 03

  Oh, it has, actually.

• 9:47Caleb Hammer?

  In what in way?

• 9:49Speaker 03

  My spirituality is actually the staple for what's helped me be where I am now.

• 9:57Caleb Hammer?

  You don't think any talent, any work, any effort, any grind, any knowledge of industries?

• 10:04Speaker 03

  Um, life isn't just about numbers, Caleb.

• 10:07Caleb Hammer?

  I didn't just say, I didn't say numbers.

• 10:09Speaker 03

  I know, but you think I've only made like, you're saying like, okay, nothing's happened. You've only made like an extra thousand a month this year.

• 10:16Caleb Hammer?

  Yeah.

• 10:17Speaker 03

  There have been some crazy things that have happened that I've manifested, I've prayed for. And here we are. So like, one thing is I took a dream trip to Hawaii that I was paid to produce commercials for out there.

• 10:30Caleb Hammer?

  How much did you make for that?

• 10:32Speaker 03

  I was paid twelve K.

• 10:33Caleb Hammer?

  Awesome. How much did you spend to have to do it?

• 10:35Speaker 03

  Obviously, all of it. I'm trying to live my life. Um, but I was able to move out of my dad.

• 10:40Caleb Hammer?

  Then, then what are we doing? Then what are we doing? Last time, did you learn from the conversation?

• 10:46Speaker 03

  I did. I learned that what you said was not for me.

• 10:50Caleb Hammer?

  Then why the f*** are you here?

• 10:53Speaker 03

  Because I need help with some other things. So you told me.

• 10:57Caleb Hammer?

  For sake, for, fine, for my sake and the audience's sake, what? What do you want help with?

• 11:01Speaker 03

  I seriously want your help. Okay.

• 11:04Caleb Hammer?

  On what?

• 11:06Speaker 03

  Chill. Daddy chill.

• 11:07Caleb Hammer?

  What the hell is even that?

• 11:09Speaker 03

  I am making more money. I don't need your help in that regard. You, my parents, my dad, my sister, everyone was telling me, get a real job.

• 11:21Caleb Hammer?

  Uh huh, because after you set thirty percent aside for taxes, you make thirty-three thousand in LA. I would say, get a real job.

• 11:27Speaker 03

  To be honest, um, for the billionth time, I don't know. But I'm feeling amazing. I manifested this home that I live in in Topanga. I prayed for an eighteen hundred dollar two-bedroom place. It's actually a tiny home. Cause I was like, how am I gonna find an eighteen hundred dollar place for that? And, uh, we sublet her when we travel.

• 11:51Caleb Hammer?

  How'd you find it?

• 11:52Speaker 03

  Uh, word of mouth.

• 11:54Caleb Hammer?

  Oh, okay.

• 11:54Speaker 03

  You just message people and you take aligned action on your goals and you find your dream home.

• 12:01Caleb Hammer?

  So you put in action and did it manifest? Okay, go on.

• 12:03Speaker 03

  Yeah. And same shit happened with, right after, okay, let's back up. Being on your show was so helpful, Caleb. I don't want you to think that I didn't appreciate our time together, even though I didn't take any of your advice.

• 12:18Caleb Hammer?

  Then I'm just confused why the f*** I'm sitting here.

• 12:21Speaker 03

  Because I need your help on other things, but we're building the foundation for that part of the conversation, okay? Hold on. Patience is a virtue, or. How long did our call last last, not call? How long did our interview last last time? Like an hour and a half, right?

• 12:34Caleb Hammer?

  Yeah.

• 12:35Speaker 03

  It was really long. Um, I hope we don't go that long today.

• 12:38Caleb Hammer?

  We probably.

• 12:39Speaker 03

  Cause Mac will have to poop soon.

• 12:42Speaker 03

  But, where was I?

• 12:47Caleb Hammer?

  The do you need my help with?

• 12:49Speaker 03

  Oh, thank you.

• 12:49Caleb Hammer?

  I'm willing to listen.

• 12:52Speaker 03

  Perfect.

• 12:52Caleb Hammer?

  But I feel very, um, what the is the point right now? But go ahead.

• 12:58Speaker 03

  What I would love your help on is still in regards to building a team of amazing people to help me produce a lot of stuff.

• 13:08Caleb Hammer?

  Okay.

• 13:08Speaker 03

  We got the ads, we got the web show, we have social media content. So I would actually love advice on when is a good time to start hiring video editors, uh, producers, money people, et cetera.

• 13:24Caleb Hammer?

  When you can afford it and.

• 13:26Speaker 03

  But I don't know what that means. Give me specifics.

• 13:33Caleb Hammer?

  If they cost a dollar a month and you have an, I fuck you, and they have an extra dollar, and you have an extra dollar on your business, you can afford it. You don't, you can't afford it.

• 13:43Speaker 03

  I still don't understand what that means. So like for example.

• 13:45Caleb Hammer?

  You don't understand, like, how do you not understand?

• 13:48Speaker 03

  Because that's subjective. I need objective. I'm not a numbers girl, but.

• 13:52Caleb Hammer?

  That's why I just gave the most simple example of one dollar.

• 13:57Speaker 03

  Okay, so let's be more specific. I have an amazing PR who wants.

• 14:01Caleb Hammer?

  For what? Why do you have PR?

• 14:04Speaker 03

  You.

• 14:05Caleb Hammer?

  No.

• 14:06Speaker 03

  I'm gonna be in the movies. I'm already in a movie.

• 14:09Caleb Hammer?

  No, why do you need PR specifically? I can see you needing a lot of things, but why PR?

• 14:14Speaker 03

  I'm still a little confused on that, but apparently PR is really big in LA.

• 14:21Speaker 03

  Apparently everyone has a PR agent.

• 14:23Caleb Hammer?

  Amber, what the f- you got sold hard.

• 14:26Speaker 03

  I'm half kidding, bro.

• 14:27Caleb Hammer?

  I hope so.

• 14:29Speaker 03

  You need a PR agent in order to help you build your brand. It's really important for people who are performance artists. And so anyways, for example, forty to forty-five an hour for my PR agent. There's a part of me that says I can't afford that, but the spiritual side of me says I can if I believe it, and then more money comes in.

• 14:53Caleb Hammer?

  Well, you say four thousand dollars comes in on a monthly basis. You spent eight thousand nine hundred sixty-five dollars in the last month. So I don't know what the f- you are possibly even close to talking about. I will tell you as we go throughout your documents, but you spent that much money.

• 15:08Speaker 03

  Not answering my questions. Um, oh, okay. And then another serious thing I need your help with is the debt repayment. So feeling really good.

• 15:17Caleb Hammer?

  That's what we were doing last time.

• 15:19Speaker 03

  And I told you, bro, I paid off one card. That felt really good.

• 15:23Caleb Hammer?

  And there's many cards in here that are going, nope.

• 15:27Speaker 03

  Yeah, I think we have three credit cards remaining. And then we have student debt, but you know, that's a thing. Um.

• 15:35Caleb Hammer?

  A debt, a debt that you can't get rid of via bankruptcy.

• 15:40Speaker 03

  I seriously thought Biden was gonna fix that. What happened to that?

• 15:44Caleb Hammer?

  The Supreme Court.

• 15:49Speaker 03

  Yeah.

• 15:50Caleb Hammer?

  All right, you know, I'm all about helping you avoid messing up your finances. So let me tell you about the Fizz card. If you're a college student or you're just not a credit card person, listen up. Fizz is a total game changer and it's a debit card. It's the best way to build credit and budget your money. With Fizz, you're not dealing with any hidden fees, hard pulls and no interest rates that'll eat you alive. It's just a debit card that builds your credit without costing you extra. And here's the kicker. Fizz links to your bank account and sets a spending limit based on what you actually have in there. So no maxing out on Taquitos or impulse buys because Fizz keeps. You within your means. Fizz doesn't just help you with better budgeting.

• 16:35Caleb Hammer?

  It's a legit credit building. Plus you earn cash back on the stuff you're already spending money on. So if you're ready to build credit the easy way without stress, debt or hidden fees. Check out Fizz at join fizz.com slash Caleb or in the link in the description. And as a bonus for my audience, the first 10,000 people who sign up and use code hammer 10, get a $10 signup bonus. Try out Fizz today and let me know what you think. I helped you with the debt last time. That was the entire purpose of the conversation. That's the entire purpose of the show. This is a get out of debt show. My stomach is turning and I think I have diarrhea.

• 17:11Speaker 03

  I tried to listen to you when you said you should repay those on time. This past year I was mostly on time. I believe I won't lie, we had some late payments. Here and there. Yeah, I forget what other debt I have. I have a car payment. Which is pretty hefty, but I love my car. She's super cute. Her name's Cece. 2024 Corolla Cross Toyota hybrid. Yeah, I basically just want your help to.

• 17:42Caleb Hammer?

  But you didn't listen last time. So what would this do?

• 17:45Speaker 03

  I did, man. It's been a year. You need to be patient with people's journeys.

• 17:49Caleb Hammer?

  I am, we have the statistics for the show. People pay off like $7,000 in six months.

• 17:56Speaker 03

  That's amazing. That's full time work. I don't work full time.

• 17:59Caleb Hammer?

  Exactly. And I suggested that you did. Cause that would have got you there quicker. You got a cool Hawaiian gig. I'm glad you got that experience. You spent the entire thing. You were not zero. Like that is not, that is not sustainable when we are making $30,000 in LA.

• 18:14Speaker 03

  Caleb, that's what we do.

• 18:15Caleb Hammer?

  No, that's not what we do.

• 18:17Speaker 03

  We make.

• 18:19Caleb Hammer?

  Huh? What do you mean we? What the we are you talking about?

• 18:21Speaker 03

  Me and other people.

• 18:23Caleb Hammer?

  Other people, there are mature individuals who set themselves up for success. Actually try to get to their goals. Amber, you have goals.

• 18:31Speaker 03

  So I'm not mature. Because I decide what's best for me and I do that. I get amazing advice from an amazing human named Caleb Hammer. That's you.

• 18:41Caleb Hammer?

  But you didn't follow it. You didn't follow it.

• 18:44Speaker 03

  What? Are you being narcissistic right now? Why do I need to listen to everything you say? It's advice. I take it with a grain of salt. Maybe a mountain.

• 18:54Speaker 03

  Anyways, I respect the [__] out of you. Um, and I respect myself equally as much.

• 19:00Caleb Hammer?

  No, if you respected yourself, you'd get out of debt, have a fully funded emergency fund and be on track for any kind of retirement.

• 19:07Speaker 01

  It's getting chilly outside. But you know what that means?

• 19:13Speaker 01

  It's time to cozy up with Panera Bread. Let's get toasty, cheesy. Oh, hello, broccoli cheddar soup in a red bowl. How about melty? Okay, Chipotle chicken avo melt. It's dipping bread and soupy goodness season. Oh yeah, we are so back. It's Panera season. Order now.

• 19:35Caleb Hammer?

  At some point, you would be actually...

• 19:37Speaker 03

  Oh, hell no.

• 19:38Caleb Hammer?

  What?

• 19:39Speaker 03

  I don't believe in emergency funds or savings.

• 19:42Caleb Hammer?

  You're gonna need to explain that to me because I didn't even know that.

• 19:46Speaker 03

  Did you see my savings account? There's five dollars in there.

• 19:48Caleb Hammer?

  Yes, that's... Welcome to the show. That's what most people have. That doesn't mean they don't believe in it. How the [__] possible do you not believe in it?

• 19:57Speaker 03

  I'm still cute and funny? Even if I don't think so?

• 20:00Caleb Hammer?

  No, you're not being cute and funny right now. You're not. This is your actual life? Huh? What did you say?

• 20:07Speaker 03

  Nothing.

• 20:07Caleb Hammer?

  This is your... What are we doing here?

• 20:11Speaker 03

  I actually want some [__] financial advice.

• 20:15Caleb Hammer?

  No, you don't. Look at you right now.

• 20:16Speaker 03

  You want me to listen to everything you say? I want to learn from you.

• 20:20Caleb Hammer?

  Oh my gosh, how do we...

• 20:21Speaker 03

  But I want to be my own person, Caleb. You need to meditate. You should have meditated like me for 45 years.

• 20:26Caleb Hammer?

  Trying to figure out how to even navigate this because...

• 20:29Speaker 03

  Do you want to know why I don't believe in savings?

• 20:30Caleb Hammer?

  Yes, because that was my question. So, please.

• 20:33Speaker 03

  I, personally, for me, I... If other people believe in savings accounts, then like, for sure, go for it. I don't judge. Caleb judges. But for me...

• 20:44Caleb Hammer?

  Or I want you to be safe, but go for it.

• 20:46Speaker 03

  Yeah, I, I believe you have altruistic intentions for everybody.

• 20:50Caleb Hammer?

  Explain it, explain it.

• 20:52Speaker 03

  Okay, so for me, I...

• 20:54Caleb Hammer?

  You're not used to people actually pushing back on you, are you?

• 20:58Speaker 03

  What do you mean by that?

• 21:00Caleb Hammer?

  Come on, let's be honest. People just suck up to you, Amber.

• 21:04Speaker 03

  Yo.

• 21:04Caleb Hammer?

  Legitimately, people just suck up to you. You're the pretty girl. You're very fun to be around. People suck up to you your entire life. No one ever stands up to your delusion.

• 21:14Speaker 03

  I wish.

• 21:15Caleb Hammer?

  People do not stand up to your delusion and actually put you in your place and actually try to reconstruct what you think.

• 21:21Speaker 03

  Why do you think I'm so funny? It's because people bullied the shit out of me when I was a kid.

• 21:27Caleb Hammer?

  Okay. You're not being cute or funny.

• 21:29Speaker 03

  Well, they bullied me because I was so cute. They didn't want me to know that they thought I was so cute.

• 21:34Caleb Hammer?

  Why do you not believe in savings?

• 21:36Speaker 03

  Based on the law of attraction, which you might have heard of. If I expect the need for a savings account and I actually have it, then

• 21:51Speaker 03

  is gonna happen where it's going to deplete my savings.

• 21:53Caleb Hammer?

  Okay, then what happened to every single person who doesn't have a savings account that has been on the show, which is pretty much everyone? Uh, something happens and they don't have money and then they end up going into worse debt. So what happens? What happens? Because they didn't have it, emergencies wouldn't have happened?

• 22:08Speaker 03

  I don't know what their mindset is. I haven't talked to them and maybe they firmly believe that they'll be able to stack it.

• 22:15Caleb Hammer?

  You're too lost. You're too lost for this.

• 22:17Speaker 03

  I'm still talking, Caleb. Some people still have it in their mind and their subconscious that if they have a savings account and/or an emergency fund, that there is going to be an emergency. So therefore it happens. For me personally, personally, and Mac, he doesn't have a savings account either.

• 22:39Speaker 03

  I just know that if I have that, I'll have to use it. So I'd rather just get a fat checking account.

• 22:44Caleb Hammer?

  You haven't had a single emergency in the last few years.

• 22:47Speaker 03

  Oh my God, I don't want to go there. Of course I have. Of course I have, but I haven't had a savings account.

• 22:53Caleb Hammer?

  What the are you talking about?

• 22:54Speaker 03

  I haven't had a savings account.

• 22:55Caleb Hammer?

  No, then what the are you talking about? That's bullshit then. You proved yourself wrong. No, you proved yourself wrong. An emergency happened even though you didn't have an emergency fund. So what the are you talking about? You proved yourself wrong. Life proved you wrong.

• 23:09Speaker 03

  Okay, yeah, shit happens. I haven't needed to spend money on these emergencies.

• 23:17Caleb Hammer?

  Instead your debt goes up. What do you think?

• 23:19Speaker 03

  I charge a card. But not anymore, dude. Okay, so can we talk about like debt repayment options for me?

• 23:27Caleb Hammer?

  Ask your question.

• 23:28Speaker 03

  Um, okay, so based on all this debt I have, you can see some of it there. In addition to that, there's like money I owe my dad for him helping me while I was mentally fidgety.

• 23:41Caleb Hammer?

  I don't have this. How much you owe your dad?

• 23:43Speaker 03

  I included it in the email.

• 23:45Caleb Hammer?

  Well, I don't have your email, Amber, or do you see an email right here?

• 23:49Speaker 03

  A month's worth of income.

• 23:50Caleb Hammer?

  Four thousand dollars. Well, pre-tax, pre-tax, pre-tax! For fuck's sake, but you don't know that because you mooch off the system, but you also don't give to it. So daddy, four thousand two, because you had a mental breakdown, you said?

• 24:07Speaker 03

  Yeah.

• 24:08Caleb Hammer?

  What?

• 24:08Speaker 03

  The American way.

• 24:13Caleb Hammer?

  You're not being cute.

• 24:14Speaker 03

  You've never had a mental breakdown?

• 24:15Caleb Hammer?

  Can you take this fucking seriously?

• 24:17Speaker 03

  That's why I don't, I didn't get a forty hour job like the one you wanted me to.

• 24:21Caleb Hammer?

  You know, the rest of us sacrifice a little bit in order to try to live a better life at some point. You would have the opportunity to take even more risk and do all these crazy things. If you had a little bit of a safety net, if you had any chance to retire in the future, if you didn't have debt that is required. If you don't have the taxman coming for you, you're gonna have the taxman cometh.

• 24:41Speaker 03

  Oh, they're in my email.

• 24:42Caleb Hammer?

  Exactly. And that's the start. Wait until if you do end up getting forced to be a job and maybe they start garnishing wages. You don't know what's gonna happen. You're twenty fucking eight. I mean, neither of us have experienced a truly bad economy. Neither of us have experienced that. You don't know what can go wrong. Yeah, but you're not willing to acknowledge that it's possible. So you're willing to laugh through this entire conversation like it's a fucking joke instead of actually growing up for the first time in your life.

• 25:11Speaker 03

  Okay, it's a half joke.

• 25:13Caleb Hammer?

  Half joke?

• 25:14Speaker 03

  Every joke is half true. Um, but I agree. I think that I'm personally extremely blessed in the sense that I haven't needed a savings account. I've always made it work, or I've had

• 25:27Caleb Hammer?

  Your debt has gone up.

• 25:28Speaker 03

  family to fall back on. I've had family to live with.

• 25:30Caleb Hammer?

  You're enabled.

• 25:30Speaker 03

  So I haven't needed to do that.

• 25:31Caleb Hammer?

  You're enabled.

• 25:32Speaker 03

  But personally, if that's the word you want to use.

• 25:36Caleb Hammer?

  Yeah.

• 25:36Speaker 03

  Sure.

• 25:37Caleb Hammer?

  Well, yeah.

• 25:37Speaker 03

  But.

• 25:38Caleb Hammer?

  Cause instead of growing up, you rely on other people and they will just always enable.

• 25:42Speaker 03

  I'm grown. I'm fucking grown.

• 25:45Caleb Hammer?

  Kind of.

• 25:46Speaker 03

  We're all growing up. It's a work in progress.

• 25:49Caleb Hammer?

  It's a work in progress if you're doing the work.

• 25:52Speaker 03

  You don't see me every day. You don't know what work I'm putting in.

• 25:55Caleb Hammer?

  No, but I see your fucking documents and your debt's going up.

• 25:58Speaker 03

  You see a piece of paper and numbers.

• 26:00Caleb Hammer?

  Yes. So the work in terms of your.

• 26:02Speaker 03

  Spying on me. If someone were spying on me, they'd be like, oh my God.

• 26:07Caleb Hammer?

  The work in your personal financial life is not a work in progress because you're not working towards anything.

• 26:14Speaker 03

  Um, yeah, we are.

• 26:17Caleb Hammer?

  Do you pay? What are you working towards, Amber? What are you possibly working towards?

• 26:21Speaker 03

  I'm working to be a beacon of authenticity. That's why I'm here. I'm having a good ass time.

• 26:27Caleb Hammer?

  A beacon of authenticity?

• 26:29Speaker 03

  I'm gonna fight you on whatever you say that is not authentically aligned with me. And you know, from the last episode, I don't fucking bull. I'm an open book.

• 26:39Caleb Hammer?

  You've been bull this entire conversation. Let's be honest.

• 26:41Speaker 03

  How?

• 26:42Caleb Hammer?

  I'm gonna call you out. This is not cute. It is not a good quality of a human, regardless of who they are, to be irresponsible in life and have no sense of security or safety or maturity. That is not a good quality to have.

• 26:54Speaker 03

  Caleb, why are you expecting perfection out of me?

• 26:56Caleb Hammer?

  I'm not. I'm expecting effort and you're not doing anything. Financially.

• 27:03Speaker 03

  Finances are my like weakest, if you want to say weakest pillar of wellness.

• 27:10Caleb Hammer?

  But we had a conversation.

• 27:10Speaker 03

  That's why I'm here.

• 27:11Caleb Hammer?

  But we had a conversation. That's why you were here a year ago. That's why you were here a year ago.

• 27:19Caleb Hammer?

  We shouldn't be resuming the conversation a year later if we're maturing and putting in effort and making progress.

• 27:25Speaker 03

  People grow at different paces, dude. You can tell.

• 27:29Caleb Hammer?

  Well, so you're permanently 14 for the rest of your life and by the time you're 80, you're 15? Well done. This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project

• 28:14Caleb Hammer?

  that we've been working on for over a year now and just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to CalebHammer.com or click the link in the description below. You will not regret this.

• 28:42Speaker 03

  Okay, I don't know if you're projecting. My to end this man's whole career.

• 28:45Caleb Hammer?

  No, I got my together. I have a company, I have employees, I have a house, I have actual responsibilities that I am taking care of on a daily basis.

• 28:53Speaker 03

  Do you have empathy? Where's that at?

• 28:55Caleb Hammer?

  Yeah, absolutely. The fucking resources and money that we put into this to actually get people out of their situation, paying people above the median average for their positions. You're damn right.

• 29:06Speaker 03

  I love that. That's amazing.

• 29:09Caleb Hammer?

  Yeah, so.

• 29:09Speaker 03

  I want to do the same. I seriously want your help, but you keep trying to make me out to be this bad guy.

• 29:15Caleb Hammer?

  No, no, it's because we're already.

• 29:17Speaker 03

  Let me talk about my nonprofit.

• 29:19Caleb Hammer?

  I'm not, what, are you plugging in nonprofit?

• 29:21Speaker 03

  Um, maybe.

• 29:23Caleb Hammer?

  No, no. No.

• 29:26Speaker 03

  Caleb, I'm not all about making money. If I wanted to make money, I would have gotten the forty hour

• 29:33Caleb Hammer?

  No, I'm not saying you need to strive to like millionaire status or anything like that. I'm talking about a basic level of security. Instead, you're being enabled by family members who is allowing you to do nothing.

• 29:44Speaker 03

  That's not completely true.

• 29:46Caleb Hammer?

  All of them.

• 29:47Speaker 03

  Okay, you want to hear a story?

• 29:49Caleb Hammer?

  I'll get crisscross applesauce.

• 29:51Speaker 03

  I feel like maybe your inner child is a little upset that they feel uneducated that they can't, or rather that I'm not taking all of your advice. Being on your show was seriously very eye opening. I had a fun time.

• 30:05Caleb Hammer?

  Good, and then you did nothing.

• 30:06Speaker 03

  I think you did too.

• 30:07Caleb Hammer?

  And then you did nothing.

• 30:08Speaker 03

  I did a lot behind the scenes. Okay, these documents don't show everything. Put these in the mother shredder. But after I was able to watch myself on financial audit, I really was like, oh my goodness gracious.

• 30:21Caleb Hammer?

  She's insufferable.

• 30:23Speaker 03

  Not that. Um, thanks. I was like, damn, I really am in the victimhood mindset.

• 30:30Caleb Hammer?

  Yeah, no fucking.

• 30:32Speaker 03

  Can you talk nicer to my inner victim?

• 30:36Speaker 03

  Dude, my family had three interventions with me.

• 30:41Caleb Hammer?

  And they have not worked?

• 30:42Speaker 03

  Like, two weeks.

• 30:44Caleb Hammer?

  About?

• 30:45Speaker 03

  About, actually, it was about seeming and feeling too entitled to like support.

• 30:52Caleb Hammer?

  Yeah.

• 30:53Speaker 03

  Yeah.

• 30:53Caleb Hammer?

  Cause you are.

• 30:55Speaker 03

  Um, that was twelve months ago.

• 30:58Caleb Hammer?

  How have you survived? Because you just take advantage of people around you. Okay, what is your month? What is your monthly payment to your dad for the $4,000? Good death.

• 31:07Speaker 03

  Okay, that's what I wanted to ask you. Cause my dad was like, hey, can you start like repaying me?

• 31:11Caleb Hammer?

  So nothing is what I'm hearing. Great.

• 31:13Speaker 03

  Yeah, yeah, yeah.

• 31:14Caleb Hammer?

  By the way, guys, if you want to be on the show and you're not her, apply at Calebhammer.com and I'd be happy to have you. Calebhammer.com/apply. If you aren't your hammer financial score, hers is probably a negative two. Uh, go to, you can also, it's, it's free. Link in the description below. Amber, you're killing me. Did we, did we, we connected you with resources, uh, throughout? Did you, did you ever take the budgeting class? Did you ever take the investing class? Did you ever take the debt class?

• 31:39Speaker 03

  I didn't like your budgeting class.

• 31:41Caleb Hammer?

  Why? Because it actually required a little bit of sacrifice?

• 31:45Speaker 03

  Okay, to be honest, that first part of it was just a way to collect my data. Who'd you sell that to? Just for all my demographics and shit. And I was like,

• 31:56Caleb Hammer?

  That's because we, I want to understand our audience. We don't sell shit.

• 32:00Speaker 03

  Okay, that makes sense. Took way too long.

• 32:02Caleb Hammer?

  The most basic thing, yes, the debt, all of our classes are multi-hours with quizzes and education. Because this isn't a simple, oh, if I can just change my life like that, because this isn't some manifesting bullshit. You actually put in real effort.

• 32:15Speaker 03

  Now that you're saying this, okay, I feel like I could take it. I could take it. Would it feel like I'm setting my head on fire? Probably. But maybe I could make it fun by like, watching a movie at the same time.

• 32:29Caleb Hammer?

  You're an actual child. I don't like you.

• 32:32Speaker 03

  Well, I'm growing up in the sense where I'm trying to be able to do things that are not fun.

• 32:35Caleb Hammer?

  You're not, you're not, you're not, and this is.

• 32:37Speaker 03

  I mean, well, this is why I am where I am.

• 32:39Caleb Hammer?

  You're making this a failure of an episode. This is, this isn't good. You're being just a dumb child. Usually people can get something from this episode, from these episodes, even if the other person says, mm.

• 32:50Speaker 03

  Well, let me continue my story because maybe you're not getting anything, but I feel like someone else out here is feeling very seen and heard.

• 32:57Caleb Hammer?

  Seen and heard?

• 32:59Speaker 03

  That's spiritual.

• 33:00Caleb Hammer?

  Oh, yeah, you don't know. If someone is being seen and heard because they see themselves in you, they need to.

• 33:05Speaker 00

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• 33:33Caleb Hammer?

  Get locked in a fucking institution.

• 33:35Speaker 03

  Caleb, we are all each other's mirrors.

• 33:37Caleb Hammer?

  Shut the fuck up.

• 33:38Speaker 03

  Whatever you judge in me, you judge about yourself. Do you feel like you make enough money?

• 33:43Caleb Hammer?

  Yes.

• 33:44Speaker 03

  Well, maybe that was a motherfucking lie, because you're judging me for not making enough money.

• 33:48Caleb Hammer?

  No, I'm judging you for literally the numbers on the paper. What the fuck are you talking about? Oh, my gosh. You know.

• 34:00Speaker 03

  You should try these on.

• 34:01Caleb Hammer?

  When we have people back for the polyps, it's hoping, it's hoping for a celebration. It's hoping for a celebration.

• 34:07Speaker 03

  It is a celebration, dude.

• 34:08Caleb Hammer?

  This isn't, this isn't.

• 34:09Speaker 03

  I made 12K in one gig right after the intervention from my family. I don't believe in savings. You know what I spent that on? I spent that on rent. I spent it on acting classes.

• 34:22Caleb Hammer?

  Acting classes, yeah, because you-

• 34:24Speaker 03

  Car and transportation. I don't let my money sit in a bank account to not use. I spend that shit. I'm going to Asia next month.

• 34:34Caleb Hammer?

  Hey, you're a decade and one year into acting. If you're still taking acting classes, maybe it's time to move on because obviously you're a failure.

• 34:39Speaker 03

  I don't think you completely understand something that you've never done, but that's okay.

• 34:45Caleb Hammer?

  Mm-hmm.

• 34:46Speaker 03

  It's extremely difficult.

• 34:47Caleb Hammer?

  Sure, yeah, I've been more successful in front of a camera than you'll ever be in your entire life.

• 34:51Speaker 03

  Interesting.

• 34:53Caleb Hammer?

  Amazon Chase.

• 34:55Speaker 03

  I'm not gonna say anything too cocky, but I believe in myself.

• 34:58Caleb Hammer?

  I would believe in you too if I saw literally any effort. I'm sorry for the insult. Like, I just, I want to put things in perspective. You wanna throw things out there? I'm gonna shit on it when it's like, if you are bullshitting yourself. I'm not gonna allow you to put yourself on a pedestal. I don't go around talking like, oh, I'm this great guy with a great YouTube channel. I have the same friends I had before as I do now. Nothing has changed, but you're right, I'm gonna shit on that when you're trying to act like you are here when you are not. Look at you, thirty thousand dollars, not paying taxes, not doing anything, not making progress. I'm not letting you gonna sit on a high horse.

• 35:35Speaker 03

  You know that I'm in full spectrum mode. I see the lows and I see the highs.

• 35:41Caleb Hammer?

  In autism?

• 35:44Speaker 03

  I'm saying I see the highs and the lows.

• 35:48Caleb Hammer?

  You don't need, you don't need to put on some little cutesy thing. We're just going through your debt so we can get you out of debt. And if other people relate to that, that's great.

• 35:56Speaker 03

  Caleb, I'm not saying anything about me being cute. You are, so thank you.

• 36:00Caleb Hammer?

  Two thousand two hundred twenty-eight dollars and ninety-five cents on this Amazon, Amazon Chase account was seventy-six or sixty-seven dollars is your minimum of the payment. You made more than your minimum. Amber, good job.

• 36:13Caleb Hammer?

  Then you get purchased on the card. Why? Why allow this to go up even though you did double your minimum monthly payment? The balance went up while it's also accruing forty-five dollars and sixty-six cents of interest. Why do, no, no, listen, you're, oh, wait a second. Available credit, twenty-four dollars. Guys, we're making progress. We're really getting there. The fuck are you talking about twenty-four dollars? You do, because you don't have an emergency fund and you say you use five cards if emergencies happen. So you need credit.

• 36:44Speaker 03

  Well, I now believe

• 36:45Caleb Hammer?

  What do you think who needs credit?

• 36:47Speaker 03

  Happen, so they don't happen to me.

• 36:48Caleb Hammer?

  That's not how this works. You might stub your toe, fall and break the face and then you can never make money again on what you're trying to do.

• 36:55Speaker 03

  Caleb, everything that I think will happen does. For example, I was on my way to Miami. When I was on the flight last month, I literally think I had to buy, chill. I really need to buy a new vibrator. And then I get to the, I get in line to check in for the Mondrian in Miami Beach. And this fairly creepy man approaches me and is just like, um, excuse me, I, I was with a crazy woman last night. And she grabbed these sex toys from the minibar. Um, would you like this vibrator and collar ring? And I was like, how did you know I needed that?

• 37:31Caleb Hammer?

  I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Mu Mu, where they give you up to fifteen free stocks and eight point one percent interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you four point five percent on your money and up to three hundred dollars. Would you rather have automated investing? Sign up for Acorns with my link and you'll get twenty dollars right now instead of the usual five dollars you'd get from your friend's referral. You can also sign up for our investing program and get a hundred dollars in cash deposited into your Mu Mu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that.

• 38:16Caleb Hammer?

  All of this free money is linked in the resources section of the description below, so don't pass up. The free money cuz I'll punch ya.

• 38:24Speaker 03

  That's one of about a hundred stories of how I just think something and it happens. So I try not to think.

• 38:30Speaker 03

  Except for all the that's going on in the world currently. But anyways, what?

• 38:35Caleb Hammer?

  What'd you do with the? This is a get out of debt show.

• 38:38Speaker 03

  I tried to use it. I haven't had in forever. So I tried to use it on myself. I like put it on my finger.

• 38:44Caleb Hammer?

  You don't have that.

• 38:45Speaker 03

  And it works. Okay.

• 38:47Caleb Hammer?

  You're one of those people that anything happens, yes, and one of those people where anything happens in life. And they connect it to some thought. We're all thinking endlessly, endlessly, endlessly. I'm thinking about how I'm a little hungry. Oh, my goodness. I fuck. Oh, I affirmed in my entire life and allowed this food to come to me that I purchased later. Like, no, this is happens. Like, you just associate everything with your delusion and I can't deal with that. I don't know what can do. Cuz you're kind of broken.

• 39:25Caleb Hammer?

  Sixty seven dollar minimum payment. Gosh, I'm probably being a dick, but huh? Yeah, be extra rude today. It's because you're being insane. I wanna have a real fucking conversation, get you out of debt. And you're literally just like, ah, I'm so cute. Four hundred eighty nine dollars in interest in a yearly basis is not a joke. I would take this seriously. No, I would start not fucking joking because that is an actual serious thing that is impacting your life.

• 39:55Speaker 03

  I physically can't not make a joke. So, sorry.

• 40:00Caleb Hammer?

  What did you wanna talk about with the fucking interest?

• 40:04Speaker 03

  Yeah, how do we stop that? Okay, so give me.

• 40:08Speaker 03

  Let's talk actual numbers. I don't like talking them myself. So now that you're here, um, is this a safe space, Caleb?

• 40:18Caleb Hammer?

  Talk numbers, what's your question?

• 40:20Speaker 03

  Okay, so based off of what you know, oh my god, Mac is having a panic attack because of you.

• 40:26Caleb Hammer?

  No, cuz her mom's gonna be homeless.

• 40:29Speaker 03

  We would ne- I would never make you homeless.

• 40:32Caleb Hammer?

  What's your question?

• 40:33Speaker 03

  Okay, so based off of what my income is right now, and have no doubt, that's gonna go up, very much so. But um, I need a feasible number for paying all this shit back, but my dad is definitely the priority, of course.

• 40:49Caleb Hammer?

  Why?

• 40:51Speaker 03

  It's interest-free, but um.

• 40:53Caleb Hammer?

  Well, is he demanding it back? Does he want it back, right now?

• 40:57Speaker 03

  He wants payments back, he doesn't demand the full 4K, but I wanna.

• 41:01Caleb Hammer?

  And how's your income going up? Because again, you went from twenty thousand hours to thirty thousand hours a year in the second or third or third most expensive city in the United States. Well done, okay, congratulations. So, okay, your income, yeah, you went up from twenty to thirty, you're really, really, really just doing the bare minimum. I'm sure that's under the poverty line in uh LA.

• 41:20Speaker 03

  I am not doing the bare minimum. I have to spend all my other time.

• 41:24Caleb Hammer?

  Income.

• 41:25Speaker 03

  Okay, yeah, income.

• 41:27Caleb Hammer?

  So you're saying your income's gonna go- it's not, it's objectively not.

• 41:30Speaker 03

  I'm saying income in general, great to have.

• 41:33Caleb Hammer?

  Dude, I'm literally trying to make a point from what you're saying.

• 41:36Speaker 03

  I'm trying to defend myself, not that I need to, but.

• 41:38Caleb Hammer?

  You're saying it's going up, so are you gonna go from thirty to thirty-five? Cuz we can't work with that. If you're going up is the same as it was the last time, it's really, you're still ending up somewhere that is not good for the area you live in.

• 41:50Speaker 03

  Do you wanna place a fucking bet? I bet you I'll make a million dollars in twenty twenty-five. What do you say to that? What do you wanna bet on that?

• 42:02Caleb Hammer?

  I don't bet, but I would bet a hundred thousand dollars on that.

• 42:05Speaker 03

  Shut the uh.

• 42:07Caleb Hammer?

  Happily.

• 42:08Speaker 03

  Really?

• 42:08Caleb Hammer?

  You're not making a million dollars.

• 42:09Speaker 03

  You're not a betting man, though?

• 42:10Caleb Hammer?

  No, I'm not.

• 42:11Speaker 03

  You can't just tease me with that.

• 42:13Caleb Hammer?

  You are- there's no way, unless you have something I don't know about?

• 42:16Speaker 03

  Um, I'm starting a nonprofit. Does that count? If it's nonprofit?

• 42:21Caleb Hammer?

  I'm gonna fucking die.

• 42:22Speaker 03

  I think so. I told you, man, I'm not all about the income, I'm about impact.

• 42:27Caleb Hammer?

  How are you making a million dollars on a nonprofit? This next year?

• 42:31Speaker 03

  Well.

• 42:31Caleb Hammer?

  Your salary from the nonprofit's a million dollars?

• 42:34Speaker 03

  It might be. But you know.

• 42:37Caleb Hammer?

  No, no, no. Is that seriously the thing? Or is there something, is there a gig that is lined up where you're getting paid a million that I do not know about?

• 42:43Speaker 03

  Yeah, I'll probably be in a great movie next year.

• 42:45Caleb Hammer?

  But is this, is this, has this been auditioned even yet?

• 42:49Speaker 03

  Not yet.

• 42:50Caleb Hammer?

  Okay, then yes, you know, get a hundred thousand hours, absolutely. At the same time, there is not a single way in this world you'd ever be able to pay me a hundred thousand hours if you lost.

• 43:05Speaker 03

  Cause I'm not gonna lose.

• 43:06Caleb Hammer?

  Because you have five dollars. Five to a million, almost unheard of, unless you're like starting some crazy business and got investors and went public or something, dude. Listen, four, I mean, you literally lost four hundred and nine dollars in interest on one card.

• 43:20Speaker 03

  No matter what, if my income from the nonprofit from my social media work, my acting, my modeling work.

• 43:27Caleb Hammer?

  Okay, what's your nonprofit, lady?

• 43:29Speaker 03

  It's the web show I mentioned a year ago.

• 43:31Caleb Hammer?

  Oh, so we still haven't got our goals off the ground in a single year.

• 43:35Speaker 03

  I have other goals that I've gotten off the ground, Caleb.

• 43:38Caleb Hammer?

  Go on, what is it? What's this nonprofit web show?

• 43:40Speaker 03

  So I rebranded from Healing Amber because I believed we're all healed. I'm not broken.

• 43:46Caleb Hammer?

  Just broke, but go on.

• 43:48Speaker 03

  Uh, no, I'm not.

• 43:51Speaker 03

  No, I'm not.

• 43:51Caleb Hammer?

  Go, talk!

• 43:53Speaker 03

  Yeah, we rebranded to Exploring Amber because my favorite thing to do in the world is to travel and, and to make videos and to make spiritual comedy.

• 44:03Caleb Hammer?

  Yeah, net zero.

• 44:04Speaker 03

  And, okay? And basically the nonprofit is kind of like, imagine the energy of Oprah. I go around the world, I experience all these wellness.

• 44:18Caleb Hammer?

  So this, there's, I can't.

• 44:20Speaker 03

  You don't think Oprah started somewhere without money?

• 44:23Caleb Hammer?

  She did, but she made some and saved it. Go on.

• 44:26Speaker 03

  I'm only twenty-eight, dude. I'm a baby.

• 44:29Caleb Hammer?

  Yeah, I'm twenty-nine.

• 44:32Speaker 03

  You are?

• 44:33Caleb Hammer?

  How old do you think I was?

• 44:35Speaker 03

  Like thirty-something, but I don't.

• 44:37Caleb Hammer?

  Why do I look ancient?

• 44:38Speaker 03

  No, I don't think that age is.

• 44:41Caleb Hammer?

  How old do I look, people?

• 44:45Speaker 03

  I think age is a privilege. I just.

• 44:48Caleb Hammer?

  I do retinol and sunscreen every day.

• 44:51Speaker 03

  Oh, I honestly.

• 44:52Caleb Hammer?

  Do I look old?

• 44:53Speaker 03

  I know. I think your skin look like you had a skin journey the past year. Who helped you with your skin? I just want to know your skin.

• 44:59Caleb Hammer?

  Esthetician friend. Why? Why? Why? Why'd you think I'm older?

• 45:03Speaker 03

  No, it's not. It's not like that. It's I I'm not good at guessing age. I'm like a four year old when it comes to guessing ages. I'm not good at it. I just say numbers. Um, but yeah, basically the energy of this show is I would go around and I would experience all of these, let's say wellness, um, businesses, these spiritual businesses, these travel businesses, stuff that's fun, thrill seeking. And then I would get donations from people to make these experiences more affordable and accessible for people who can't afford to go on flights, who can't afford wellness, who can't afford spiritual experiences.

• 45:45Caleb Hammer?

  Who's donating to this?

• 45:46Speaker 03

  I already got 5K, bro.

• 45:48Caleb Hammer?

  Yeah, wonderful. So, you know, there are like nonprofits.

• 45:50Speaker 03

  That's a lot of money.

• 45:51Caleb Hammer?

  There are nonprofits that help people who can't hear, who are deaf, who are blind, who are amputees, who struggle in life, or homeless. And you're like, okay, that person couldn't travel. I want to make sure they can travel and see things.

• 46:01Speaker 03

  You? Have you traveled? Are you a traveler?

• 46:03Caleb Hammer?

  I don't travel very much, but I have.

• 46:05Speaker 03

  Okay, you want to come on a trip with me one day? I'll show you how fucking amazing it is.

• 46:08Caleb Hammer?

  I don't think I could sit next to you on a flight.

• 46:11Speaker 03

  Then we'll sit separately. We'll have separate hotels. Mac will babysit you while you cry about how much you hate travel.

• 46:18Caleb Hammer?

  I'd appreciate that because Mac's the only way I'm making it through this episode. And you're right, you're 28. You have some time. Guess what? Oprah only made her first million at 30 fuck two.

• 46:29Speaker 03

  Okay, well, I'm.

• 46:29Caleb Hammer?

  And that's inflation adjusted, so she probably made today's millionaire like 30.

• 46:33Speaker 03

  You didn't shake my hand on that bet yet.

• 46:35Caleb Hammer?

  You're not Amber. You're, if you're making a million dollars from your nonprofit.

• 46:40Speaker 00

  Host Thanksgiving with industry leading quality standards from Whole Foods Market. There are no antibiotics in their meat department ever, so carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from 365 brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.

• 47:09Caleb Hammer?

  Next year, let's just say you do. You're abusing your nonprofit.

• 47:13Speaker 03

  It's all about varying your income sources. That's not my only income source. Um, eventually I will be making a million dollars a year from that because we'll be rolling in the dough. But do you want to try those?

• 47:24Caleb Hammer?

  No, my ex had glasses like that.

• 47:27Speaker 03

  Oh, so am I reminding you of your ex right now?

• 47:30Caleb Hammer?

  No, I just never thought it looked good.

• 47:32Speaker 03

  I think they look amazing.

• 47:34Caleb Hammer?

  We actually have a, you know, we're pleasant. If you're watching this, we're pleasant. I just didn't think those glasses looked good.

• 47:40Speaker 03

  We learn a lot from traveling. We get to see other people and other cultures as humans. If we all got to connect with people, I, I appreciate that you agree. Then I think that we would have a lot less war, a lot less, um.

• 47:57Caleb Hammer?

  And you'd have a lot less poverty in your future if you literally sacrificed temporarily right now.

• 48:01Speaker 03

  I'm not in poverty, bro. I drive a new car.

• 48:03Caleb Hammer?

  I said in your future, do you know what the word future means? Are we able to comprehend words?

• 48:07Speaker 04

  Future, the time ahead, those moments yet to be experienced.

• 48:14Caleb Hammer?

  Why don't you manifest? Yeah, manifest comprehension real quick. Minimum monthly payment on this next card is sixty bucks. You have, you owe a thousand seven hundred twenty-four on it. Thank you. Thank you for not purchasing on this card. Interest is accruing of forty-three dollars and fifty-seven cents stop.

• 48:30Speaker 03

  Okay, but.

• 48:30Caleb Hammer?

  How long does this take to pay off? Hey, how long does this take to pay off minimum monthly payments, please? How long?

• 48:36Speaker 03

  I'm leasing the car.

• 48:37Caleb Hammer?

  How long? This is not the car. We're talking about Bank of America credit card.

• 48:40Speaker 03

  I'm sorry. Why do you have to call me that?

• 48:44Caleb Hammer?

  Because I'm irritated.

• 48:46Speaker 03

  Why do you have to call me that?

• 48:46Caleb Hammer?

  Because I'm irritated and I swear a lot. I apologize. How long does it take to pay off this credit card minimum monthly payments?

• 48:54Speaker 03

  Bank of America. Ugh, yeah, that's the one.

• 48:57Caleb Hammer?

  I know you don't know. I just want you to fucking guess based on what you think.

• 49:01Speaker 03

  Um, how, how long if I continue at this rate?

• 49:04Caleb Hammer?

  No, minimum monthly fuck payment on the card. How long does it take to pay off? For fuck's sake, the easiest question.

• 49:11Speaker 03

  I'm not gonna lie, I still don't understand the question. I went to college.

• 49:14Caleb Hammer?

  If you only made your minimum monthly payments on this card, how long would it take to pay off?

• 49:18Speaker 03

  Oh, oh my God, probably like twenty years.

• 49:21Caleb Hammer?

  Eleven years.

• 49:22Speaker 03

  I was gonna say twelve, but I said twelve.

• 49:27Caleb Hammer?

  You've had late payments on this card two times this year, so fuck you.

• 49:30Speaker 03

  Well, okay.

• 49:31Caleb Hammer?

  Fuck you.

• 49:31Speaker 03

  Even though I didn't watch your budgeting.

• 49:32Caleb Hammer?

  Six hundred seventy-one dollars of interest this year. Fuck you.

• 49:35Speaker 03

  Okay, I'm gonna ask you a question that's gonna get you, get you off a little bit. I need your budgeting advice. So I wanna take these payments more seriously. I am gonna be making way more income.

• 49:49Caleb Hammer?

  Based on manifestation or based on something that's already lined up?

• 49:52Speaker 03

  Do you know what manifestation means, Caleb?

• 49:54Caleb Hammer?

  Answer my question, is it based on manifestation or is it based on something already lined up in contract?

• 49:59Speaker 03

  Um, both.

• 50:00Caleb Hammer?

  What's in contract?

• 50:02Speaker 03

  I can't talk about everything.

• 50:03Caleb Hammer?

  Tell me the income.

• 50:04Speaker 03

  I have TV roles coming up.

• 50:06Caleb Hammer?

  In contract that are signed?

• 50:08Speaker 03

  No.

• 50:10Caleb Hammer?

  Tell me in contract that is signed, how much you would make?

• 50:13Speaker 03

  Um, with the few contracts that I have for social media partnerships. These are brands that pay me a retainer per month.

• 50:21Caleb Hammer?

  Just give me the number.

• 50:22Speaker 03

  Don't you wanna know what these are?

• 50:23Caleb Hammer?

  I just wanna know the number, that was my question, please.

• 50:25Speaker 03

  Okay, well, I'm gonna continue saying what I was saying. This is just something I feel that is important.

• 50:30Caleb Hammer?

  So you didn't.

• 50:31Speaker 03

  Some people can get this work as well.

• 50:32Caleb Hammer?

  You didn't last with Brandon's friend, did you?

• 50:34Speaker 03

  Hell, no!

• 50:35Caleb Hammer?

  Yeah.

• 50:36Speaker 03

  Sorry.

• 50:36Caleb Hammer?

  Shocker, surprised.

• 50:37Speaker 03

  That was ego.

• 50:38Caleb Hammer?

  Who would've thought that you didn't last with him?

• 50:40Speaker 03

  Yo, when people break up with me, I see it as provision from God.

• 50:44Caleb Hammer?

  Yeah, broken up with you, yep, go on, continue.

• 50:46Speaker 03

  I don't wanna give him any attention, he'll love that, but.

• 50:50Caleb Hammer?

  Why aren't you trying to get to the answer of my question?

• 50:52Speaker 03

  Okay, so here's what happened.

• 50:54Caleb Hammer?

  No, I don't care, I don't care.

• 50:55Speaker 03

  Too bad, you opened, you opened the can of worms! It's open!

• 50:58Caleb Hammer?

  I will literally cut this part, I don't give a shit.

• 51:01Speaker 03

  Then cut out.

• 51:02Caleb Hammer?

  Can we talk about this in the post-show?

• 51:03Speaker 03

  No!

• 51:03Caleb Hammer?

  In the post-show?

• 51:04Speaker 03

  No!

• 51:04Caleb Hammer?

  In the post-show?

• 51:05Speaker 03

  No!

• 51:05Caleb Hammer?

  Amber, please! Can we talk about the fucking money? We'll talk about the drama and the fun tea stuff.

• 51:11Speaker 03

  This is related to money.

• 51:13Speaker 03

  Uh, my ego just needs to tell this story or she'll explode. This is my ego character, she wears these glasses.

• 51:17Caleb Hammer?

  Start a timer for thirty seconds.

• 51:19Speaker 03

  Okay, let me see it. The timer, that is.

• 51:21Speaker 05

  Thirty seconds, starting now.

• 51:22Speaker 03

  Thank you so much. Okay, so, right after the episode aired, he, um, ended things with me after saying, babe, I didn't know your, your finances were that bad. And I was like, yeah. Ends things with me, could be money related, could not be. And then after, or actually during my Hawaii trip, he messages me asking me for work because he knows I'm a big time social media ad.

• 51:45Caleb Hammer?

  Four thousand dollars a month, so fuck up.

• 51:48Speaker 03

  Caleb, it fluctuates, freelance work is top.

• 51:50Caleb Hammer?

  You told me average.

• 53:45Caleb Hammer?

  Hey you, look at me. My job is to sit right here and be the absolute stunning figure that I am. And some things I can't help, like my incredible ass. Which is why you're all here, of course. But also, some things are in my control. For example, the pearly whites. I yap a lot. Some would say, too much. And I get that, but listen. If I'm gonna yap, my teeth may as well look pretty damn good. But the thing is, I drink a lot of coffee to get through the audits. And I started noticing some staining on my teeth. So, I've partnered with today's sponsor, Aura Glow, and they've brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten, but they do it sensitivity-free.

• 54:29Caleb Hammer?

  And that's always been why I can't use these types of products for long, due to my sensitive teeth. These teeth whitening strips from Aura Glow are incredible. Make sure to go to Amazon and get the Aura Glow Teeth Whitening Strips. Make sure to use the link in the description below to make sure your yap sessions can be just as confident as mine, with stunning white teeth. Oh, yes, these deals! No, the deals, that was what you were supposed to tell me. How much money is signed deals?

• 54:56Speaker 03

  Oh, thank you, okay. So, for these social media partnerships, I have one...

• 55:02Speaker 03

  I make four videos for this brand a month. I get $450 a month. Sometimes the videos take me one minute, sometimes the videos take me an hour.

• 55:09Caleb Hammer?

  That's great, next?

• 55:10Speaker 03

  Right. I have a new brand partnership. This one pays me $1,400 a month for four videos.

• 55:20Caleb Hammer?

  Very good.

• 55:21Speaker 03

  Thank you.

• 55:28Speaker 03

  I'm kinda blanking. I still dissociate a little bit from my finances.

• 55:33Caleb Hammer?

  Our path to a million dollars is not $1,850 a month.

• 55:36Speaker 03

  I have... Then for these other agency gigs, these are not contracts. Are you going to let me guesstimate on those, based on what I've made in the past month? Or, we don't like them?

• 55:48Caleb Hammer?

  How long have you been doing them? Just a month?

• 55:52Speaker 03

  Um, for-

• 55:52Caleb Hammer?

  Cause if it's just a month.

• 55:54Speaker 03

  For what, these are new partnerships in the sense where-

• 55:57Caleb Hammer?

  Then no, I don't-

• 55:58Speaker 03

  They know to call on me at their top talent.

• 56:00Caleb Hammer?

  Then no, I don't think we're gonna bet on that for a long term. If it was something you're doing for a full year. No, if it was something you're just like proven record, like we can do that. Just like, you know, the S and P 500, we can guess it's gonna do 10% cause on average, that's what it's done historically. But if we were just betting off a stock that was in-

• 56:15Speaker 03

  Well, look at my-

• 56:15Caleb Hammer?

  That went public last year, we can't do that.

• 56:17Speaker 03

  Look at my thingy majigger. Look at the thing.

• 56:19Caleb Hammer?

  What did you just call me?

• 56:20Speaker 03

  What? No, not you. Look at my thingy majigger, the one with PayPal.

• 56:25Caleb Hammer?

  Careful, you live in LA with that kinda language.

• 56:27Speaker 03

  Whatever is from PayPal is from that one agency that hires me regularly. $300 per UGC video. Each takes me like an hour.

• 56:36Caleb Hammer?

  Okay.

• 56:37Speaker 03

  This other brand pays me like 500 for another video.

• 56:42Caleb Hammer?

  You'll need that, cause you're past due on your car 500.

• 56:45Speaker 03

  That was just one month, bro.

• 56:47Caleb Hammer?

  All it takes is one month, bro.

• 56:48Speaker 03

  I agree.

• 56:50Caleb Hammer?

  Good, then why did that happen?

• 56:53Speaker 03

  It happens, dude. I think I didn't have enough on that card. It was my business card.

• 56:58Caleb Hammer?

  Card? What's card? What card are you talking about? Card?

• 57:01Speaker 03

  The, uh, business card.

• 57:03Caleb Hammer?

  Card? Is that a credit card?

• 57:05Speaker 03

  Hell no. It's like a business debit.

• 57:08Caleb Hammer?

  Listen, it's checking account.

• 57:09Speaker 03

  Found banking. You've probably seen me on your social media, um-

• 57:13Caleb Hammer?

  No.

• 57:13Speaker 03

  Timelines. Found banking.

• 57:15Caleb Hammer?

  I have not.

• 57:17Speaker 03

  I love them.

• 57:18Caleb Hammer?

  I haven't seen ya.

• 57:20Speaker 03

  Weird.

• 57:21Caleb Hammer?

  I've only seen you show hairy armpits on Instagram.

• 57:24Speaker 03

  Yes, I'm a body hair model. It's like a dream come true.

• 57:27Caleb Hammer?

  Yeah, how much is Oda on this car in total?

• 57:29Speaker 03

  I, I was seeing a finance guy who told me that this was a good deal.

• 57:33Caleb Hammer?

  I can't get an answer.

• 57:34Speaker 03

  They gave me a good deal on it. It's $31,000 to buy it out.

• 57:41Caleb Hammer?

  Oh, you said this is a lease?

• 57:43Speaker 03

  It's a lease.

• 57:44Caleb Hammer?

  Oh, that's right. Oh, thanks. Well, hold on, you make 38 year. What are you talking about? What are you talking, what are you possibly talking about?

• 57:50Speaker 03

  I'm making a million dollars next year. Shake my hand. Shake my hand.

• 57:53Caleb Hammer?

  Shut the f- up.

• 57:54Speaker 03

  Shake my hand.

• 57:55Caleb Hammer?

  Stop, please. Stop.

• 57:57Speaker 03

  I have to stop when you say stop, but you don't have to stop when I say stop.

• 58:02Caleb Hammer?

  My show.

• 58:03Speaker 03

  That that is accurate.

• 58:06Caleb Hammer?

  Okay, so.

• 58:07Speaker 03

  Money is like water. It flows in, it flows out. If you don't let it flow out, then you're not going to have it flowing in.

• 58:12Caleb Hammer?

  It's always gonna flow out, but it's managing the flow.

• 58:15Speaker 03

  Yeah.

• 58:15Caleb Hammer?

  If it's a ravenous river that can't be controlled, it's gonna tear down all the trees in your special little life.

• 58:21Speaker 03

  Oh, yeah. So that's.

• 58:22Caleb Hammer?

  Come on, I tried to make that relatable to you. Yeah, I tried to make that special for you because you're so unique and very important.

• 58:28Speaker 03

  Mm hmm. Dale Carnegie, always speak in terms of the other person's interests. I really appreciate that you know me.

• 58:33Caleb Hammer?

  Mm hmm.

• 58:34Speaker 03

  Remember I was trying to ask you for budgeting advice before you yelled at me for the umpteenth time?

• 58:38Caleb Hammer?

  Five hundred twenty-five dollars is your normal payment on here, but again, we are past due and you have unpaid late charges. Now you had fees and stuff baked into this car. The maturity date of this lease is the end of twenty twenty-seven. This is horrendous. In what world would you consider being able to buy this out? You'd have to take a debt to buy it out. You don't have thirty thousand dollars.

• 58:56Speaker 03

  Do you not believe in the ability to make more money?

• 58:59Caleb Hammer?

  I do, but you are net zero on your money, self-confessed, and your debt has only gone up that we looked at. So shut the fuck up. That's not how this works. Okay, but obviously you are not proving that concept correctly. And also, we don't, we don't get.

• 59:13Speaker 03

  Work in progress, work in progress.

• 59:14Caleb Hammer?

  There is no work, there is no progress. And also, we do not get debt with the hope of making more money. Listen, if you do make more money.

• 59:21Speaker 03

  I agree on that.

• 59:22Caleb Hammer?

  If you do, then why are you suggesting it?

• 59:26Speaker 03

  It was a half.

• 59:27Speaker 00

  Hosts Thanksgiving with industry-leading quality standards from Whole Foods Market. There are no antibiotics in their meat department, ever, so carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from three sixty-five brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.

• 59:56Speaker 03

  Oh, but yeah, sure, there were.

• 59:58Caleb Hammer?

  Your life's a joke, a full joke.

• 1:00:00Speaker 03

  There were things I did need to do, like Klarna. I wish they didn't.

• 1:00:04Caleb Hammer?

  Needed?

• 1:00:05Speaker 03

  Klarna. Holy shit, just charging shit to Klarna, after pay, boom, boom, boom.

• 1:00:09Caleb Hammer?

  Wish your mom didn't invent you.

• 1:00:10Speaker 03

  Okay, you wanna talk about my mom right now?

• 1:00:13Caleb Hammer?

  No.

• 1:00:14Speaker 03

  Thank you. She's the reason I'm here. And the reason that I don't listen to people who, well, I wouldn't say I don't always listen to people who yell at me. It's kind of my thing.

• 1:00:24Caleb Hammer?

  Then why sign up for the show? You did it yourself. You.

• 1:00:29Speaker 03

  I always follow whatever my guardian angels are pushing me to do. I do it. I felt like I was supposed to come back here. Still don't know why yet, because you haven't helped me with a budget thing. I didn't really want a budget until I was like, oh, how do I repay this debt?

• 1:00:46Caleb Hammer?

  How can we budget until we have your numbers on paper? You haven't allowed me to get through it in more than an hour. You're insufferable.

• 1:00:52Speaker 03

  We are?

• 1:00:53Caleb Hammer?

  $525 is your minimum to pay. This is what I'm trying to do. You say the buyout's 30,000, but what's the remainder of the, well, we can do it. There's 33 months remaining.

• 1:01:05Caleb Hammer?

  Seventeen thousand, three hundred and twenty-five. Remaining on your lease to pay.

• 1:01:12Caleb Hammer?

  And you can probably buy it out for like 15, just about.

• 1:01:15Speaker 03

  Really?

• 1:01:16Caleb Hammer?

  Why do you need? How do you think math works? Why do you need to buy it out now? How would you buy it out now? With a loan, correct?

• 1:01:22Speaker 03

  No, I don't think that's legal. I don't think I'm allowed to do that. Well, it would have to be a separate loan. Oh, I didn't think of that.

• 1:01:29Caleb Hammer?

  Oh, good. Please don't.

• 1:01:31Speaker 03

  Oh, no?

• 1:01:31Caleb Hammer?

  Well, I know you'll forget it in 30 seconds, so.

• 1:01:34Speaker 03

  I'm not a goldfish. That would be ideal because I'm totally gonna go over the max number of miles that are um, allowed for the car. Especially the people who rent her from me. That's another thing. I get my, my expenses covered. When I travel, I get a subletter. When I

• 1:01:53Caleb Hammer?

  You rent your car out?

• 1:01:54Speaker 03

  Car rental.

• 1:01:55Caleb Hammer?

  You rent your car out? Like Turo?

• 1:01:58Speaker 03

  No, no, no.

• 1:01:59Caleb Hammer?

  But like Turo?

• 1:02:00Speaker 03

  Word of mouth. Like Turo, but not.

• 1:02:02Caleb Hammer?

  They're putting miles? Why, why would you, why would you possibly do that on a lease? That's the worst possible thing. You're not making your money back per mile.

• 1:02:09Speaker 03

  My plan is to buy the car.

• 1:02:10Caleb Hammer?

  But your, but

• 1:02:13Caleb Hammer?

  your plan is what if that plan doesn't work? Not every plan works.

• 1:02:16Speaker 03

  I agree. If it's not meant to.

• 1:02:19Caleb Hammer?

  And what if this isn't?

• 1:02:21Speaker 03

  I plan on buying that out before the lease ends, but I would ideally like to do it sooner because of said interests.

• 1:02:27Caleb Hammer?

  When was the last time you've been put in your place for anything?

• 1:02:30Speaker 03

  Not for a while.

• 1:02:31Caleb Hammer?

  Yeah, that is showing beyond clear.

• 1:02:34Speaker 03

  I told you, I had those interventions after your show was released. My family was like,

• 1:02:38Caleb Hammer?

  And it didn't work.

• 1:02:38Speaker 03

  Dear God. It did. I immediately took a line to action. So,

• 1:02:43Caleb Hammer?

  Girl, your debt's getting f***ing worse. Shut up.

• 1:02:46Speaker 03

  No, it's not.

• 1:02:47Caleb Hammer?

  The statements we've looked at have gone up in Europe late on a car. So what are you talking about?

• 1:02:53Speaker 03

  I saw that and I hopped on it. I paid that. The debts are not, well,

• 1:02:57Caleb Hammer?

  Doesn't matter. You were late because you didn't have enough money in your business account.

• 1:03:00Speaker 03

  I did go on Afterpay and I paid for this. I don't like to say healing anymore, but I paid for this course.

• 1:03:07Caleb Hammer?

  Anymore?

• 1:03:08Speaker 03

  It's a quantum healing course, essentially. I paid like,

• 1:03:11Caleb Hammer?

  An Ant-Man?

• 1:03:12Speaker 03

  Twenty-five, no. I paid twenty-two hundred dollars for that on Afterpay.

• 1:03:19Caleb Hammer?

  I give you free things that are actually proven to work in the real world and also has the lowest refund rate by industry standard and we allow people to have refunds for thirty days. Yeah, it's nice. And we give that for free and you don't take that, but you go spend twenty-five whatever on f***ing bullshit. Bullshit! What?

• 1:03:39Speaker 03

  It's not complete bullshit. It's a reason I feel like I'm literally quantum leaping right now.

• 1:03:45Caleb Hammer?

  Are you on drugs?

• 1:03:47Speaker 03

  No, I'm on cacao.

• 1:03:48Caleb Hammer?

  Let me see it. I'm curious. Can I see?

• 1:03:50Speaker 03

  This isn't made with coconut milk. It's made with water. So if you want to taste it,

• 1:03:53Caleb Hammer?

  I don't want to taste it. I want to see it.

• 1:03:56Caleb Hammer?

  I'm dipping.

• 1:03:59Caleb Hammer?

  Okay, well, yo.

• 1:04:00Speaker 03

  I'm taking that.

• 1:04:01Caleb Hammer?

  Stop! Lady, get away from me.

• 1:04:04Speaker 03

  You invited me here.

• 1:04:05Caleb Hammer?

  I did. For a follow-up. We invite every past f***ing guest for a follow-up. One thousand five hundred eighty-two dollars and fifty-five cents. Huh?

• 1:04:14Speaker 03

  Everyone?

• 1:04:14Caleb Hammer?

  Yes!

• 1:04:19Caleb Hammer?

  Hey, congratulations. You're not as special as you thought.

• 1:04:21Speaker 03

  We're all special. Therefore, neither of us are special. Therefore, we are all special.

• 1:04:26Caleb Hammer?

  Three hundred sixteen dollars minimum for this, Lorna. Okay. With a balance of a thousand five hundred eighty-two for a bull**** class that will do nothing for your life.

• 1:04:38Speaker 03

  It's not bull**** quantum integration.

• 1:04:40Caleb Hammer?

  It is. Everyone knows it in the real world.

• 1:04:42Speaker 03

  If you sign up for it.

• 1:04:42Caleb Hammer?

  Shut the f*** up. Hey, Navy Federal, this is the one you paid off? Good job with that.

• 1:04:47Speaker 03

  Ha, ha, ha, ha.

• 1:04:48Caleb Hammer?

  Yeah, you paid off five hundred dollars in a year.

• 1:04:50Speaker 03

  We need to celebrate our wins, Caleb. Otherwise, they won't keep coming.

• 1:04:53Caleb Hammer?

  Five hundred dollars in a year.

• 1:04:56Speaker 03

  Good job, girl.

• 1:04:58Caleb Hammer?

  Yeah, I believe that has been completely offset by everything else going up.

• 1:05:03Speaker 03

  God, I hate interest.

• 1:05:04Caleb Hammer?

  That's how it works.

• 1:05:06Speaker 03

  Okay, so for real, though, are we?

• 1:05:08Caleb Hammer?

  I recommend the fizz card for most of you, usually, but not for her this time. I do not want you to touch it. I do not want you to touch it. I do not want you to even come close to it. I'm not even gonna sit you down with our financial advisors to domain money. They get free sessions? Everyone gets a free session? I'm not gonna allow them to talk to you because you're not gonna take it seriously. Unless this is you taking it seriously, apparently, but I'm not gonna allow you to touch it. You know what? You know, actually, no, no, no, one of our resources that I actually could set you up with. Sounder Mind. Sounder Mind. Sounder Mind. Therapy, three free therapist, three therapy sessions of actual mental health professionals instead of your bull. Because you need it. Okay, three free sessions, you get it instead of your bull.

• 1:05:53Caleb Hammer?

  It's actual based in science. The audience, obviously, gets to deal with it, just like all of our resources, but you can actually get three free sessions.

• 1:06:01Speaker 03

  I don't do talk, talk therapy anymore. Is it like?

• 1:06:04Caleb Hammer?

  Is it text?

• 1:06:07Caleb Hammer?

  Is that how you do therapy? You're a broken child.

• 1:06:10Speaker 03

  Anywhere sadly. My credit score, ugh. We're gonna get excellent one day.

• 1:06:17Caleb Hammer?

  No.

• 1:06:20Caleb Hammer?

  Literally not based on your entire spending habit. I'm sorry, I don't wanna be doom and gloom and just against you, but that's not how this works.

• 1:06:28Speaker 03

  Maybe I'll marry someone with an 850 credit score.

• 1:06:31Caleb Hammer?

  Yep, cuz you're pretty, but he won't be able to stand being around you for more than 30 seconds.

• 1:06:36Speaker 03

  That was really sexist. What if they're a woman or non-binary?

• 1:06:39Caleb Hammer?

  Sexist? Assuming that you would be like the majority of people?

• 1:06:44Speaker 03

  You're assuming I would marry a man?

• 1:06:45Caleb Hammer?

  Well, I just went with the average, but I'm okay with you marry anyone. I don't give a.

• 1:06:50Speaker 03

  I'm just saying.

• 1:06:52Caleb Hammer?

  Yeah, maybe we don't get offended by everything and pretend like we're a victim in this world. Maybe you actually try.

• 1:06:57Speaker 03

  Of the gay community.

• 1:06:58Caleb Hammer?

  Everyone knows they exist.

• 1:07:00Speaker 03

  Normalize non-gendered.

• 1:07:04Caleb Hammer?

  Dude, if you said you were marrying a vagina, I wouldn't have cared. That would be totally normal to me. I don't give a why are you freaking out about something that literally doesn't matter to this conversation?

• 1:07:13Speaker 03

  You're freaking out.

• 1:07:14Caleb Hammer?

  No, this is because I hate people that immediately become a victim to everything.

• 1:07:18Speaker 03

  Bro, that was so 11 months ago.

• 1:07:22Caleb Hammer?

  What, victims?

• 1:07:23Speaker 03

  Um, my victimhood mindset.

• 1:07:25Caleb Hammer?

  Yeah, 11 months ago.

• 1:07:27Speaker 03

  She's healed.

• 1:07:28Caleb Hammer?

  Okay, obviously. Stop amusing it, ladies. Stop touching things.

• 1:07:33Speaker 03

  You're throwing things at me. I can't tell what's mine and what's not.

• 1:07:36Caleb Hammer?

  Nothing's yours. Literally, nothing here is yours.

• 1:07:39Speaker 03

  Sure.

• 1:07:40Caleb Hammer?

  We printed it. Twenty-six thousand, three hundred forty-eight dollars and thirty-nine cents. The minimum monthly payment of two hundred seventy-nine for students.

• 1:07:48Speaker 00

  Host Thanksgiving with industry-leading quality standards from Whole Foods Market. There are no antibiotics in their meat department, ever, so carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from 365 brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.

• 1:08:17Caleb Hammer?

  Student loans. Did you graduate? I forgot. Did you graduate? I forgot. Did you graduate from school?

• 1:08:25Speaker 03

  My college?

• 1:08:25Caleb Hammer?

  Yes.

• 1:08:26Speaker 03

  Hell, yeah.

• 1:08:27Caleb Hammer?

  How'd you manage that?

• 1:08:28Speaker 03

  Cum laude.

• 1:08:29Caleb Hammer?

  Seventy-nine dollar minimum payment, twenty-six thousand, three hundred forty-eight dollars.

• 1:08:35Speaker 03

  Yeah, I know.

• 1:08:36Caleb Hammer?

  Yeah.

• 1:08:36Speaker 03

  Crazy.

• 1:08:38Caleb Hammer?

  You're actually paying it, right?

• 1:08:41Speaker 03

  Uh, no, no, I haven't started paying yet. We're in forbearance.

• 1:08:44Caleb Hammer?

  It's no, you're not. It says it's due. Are you fucking stupid? It's due. You owe two hundred seventy-nine dollars. It's due. You don't know what forbearance is. You're not in it.

• 1:08:53Speaker 03

  Well, I haven't paid yet.

• 1:08:55Caleb Hammer?

  Guess what? They will fucking garnish you. Take your money before it hits your account.

• 1:09:02Speaker 03

  Have they already done that? Not yet?

• 1:09:04Caleb Hammer?

  Garnish? I don't know, because I don't see your stubs.

• 1:09:07Speaker 03

  I need to call the government for many things. You know what? I would actually rather talk to them about other things besides my student loan.

• 1:09:15Caleb Hammer?

  Yeah, maybe student loans and taxes, we just pay them like adults.

• 1:09:19Speaker 03

  Did you vote?

• 1:09:20Caleb Hammer?

  Vote?

• 1:09:21Speaker 03

  Yeah.

• 1:09:22Caleb Hammer?

  Yeah, I encourage everyone to vote.

• 1:09:26Speaker 03

  Who'd you vote for?

• 1:09:27Caleb Hammer?

  I'm not telling you. It's a sacred thing that we all get to keep to ourselves.

• 1:09:31Speaker 03

  Green Party.

• 1:09:33Caleb Hammer?

  That's who you voted for, actually?

• 1:09:34Speaker 03

  Mm-hmm.

• 1:09:36Caleb Hammer?

  Oh, you are a joke. Any other debts?

• 1:09:44Speaker 03

  No.

• 1:09:46Caleb Hammer?

  You wouldn't know.

• 1:09:47Speaker 03

  I really wouldn't, no.

• 1:09:50Speaker 03

  I have no clue. But, um, what I do know is that I want to start repaying them. That student loan, sure. Sure, I'll start repaying that.

• 1:10:00Caleb Hammer?

  I don't want to continue this.

• 1:10:02Speaker 03

  I want you to give me actual advice instead of yelling at me.

• 1:10:04Caleb Hammer?

  But you are unreceptive. You don't know your finances. You don't know anything. You are battling everything.

• 1:10:09Speaker 03

  I'm an intuitive spender.

• 1:10:11Caleb Hammer?

  You are not intuitive about anything in your life. You don't even know what the word intuitive means. You don't understand anything in this world. You act like a child. You get offended over every little thing. You try to fight back against every little thing. You...

• 1:10:26Speaker 03

  Kayla.

• 1:10:27Caleb Hammer?

  I don't know how you've survived. I really don't. Oh, because mommy and daddy and families and frenzies.

• 1:10:33Speaker 03

  My mom's dead, so keep my mom's name out of your fucking mouth from now on.

• 1:10:36Caleb Hammer?

  Okay, because daddy then.

• 1:10:38Speaker 03

  Thank you.

• 1:10:38Caleb Hammer?

  Okay, daddy, because daddy will support us because we don't have to do anything in life because we know dad will support us because he enables our bad behavior.

• 1:10:47Speaker 03

  He did, which was amazing when I really needed it. Not anymore.

• 1:10:51Caleb Hammer?

  You just said you could fall back on family if things happened.

• 1:10:55Speaker 03

  I'm very blessed. I can go stay with an aunt, cousins, and uncle if I need to. And that's actually what... And don't interrupt me on this. This is important.

• 1:11:06Speaker 03

  The main thing... Oh, my God, I'm going to get emotional. The main thing that made me make the change to actually start making money to make 12K in Hawaii to have consistent 4K months.

• 1:11:21Speaker 03

  Is that my family? Yeah, sure. They were like, yuck, you're too entitled, you're too

• 1:11:29Speaker 03

  frozen, this or that. But the fact that they then told me that they would support me no matter what, it like unlocked something in me and then like my energy was flowing and I was just able to create and move and make money. And so we still have some shit to unlock in here, but support system is number one. So they shouldn't talk about my support system if you want, but it's the reason that I'm going to be soaring and I feel like I already am.

• 1:11:58Caleb Hammer?

  You don't understand this. It is not about not having a support system.

• 1:12:02Speaker 03

  I can't believe you have a box of tissues right here for these moments.

• 1:12:06Caleb Hammer?

  Did when you were on last time. It's not about a support system. It's about their level of support is not actually supporting you. Their levels. Yeah, I let you talk. I literally did not interrupt. So shut the up. You need to hit rock bottom. Their level of support is, oh, no, you don't know.

• 1:12:26Speaker 03

  You interviewed me during rock bottom. Right now, I think you could, you're not gonna say it, but you can I can't get a thought better.

• 1:12:34Caleb Hammer?

  Listen, if that's considered rock bottom, then you've never seen rock bottom.

• 1:12:41Speaker 03

  Rock bottom is subjective.

• 1:12:47Caleb Hammer?

  Their actual support would be allowing you to actually learn from the mistakes, but because they bail you out every time, their support is not helping you. It is enabling you. You think you don't need an emergency fund because of them. You think you don't need to contribute to retirement because of them. You think you can just blow all your money because of them. You think things will just come to you if you can believe in it because of them always bailing you out. Because of them and their support, it is actually harming you in your maturity and your ability to get ahead in this financial world, which believe it or not, we are in regardless if we like it or not. You are in capitalism. Congratulations. But guess what? Them supporting you that way is not actually

• 1:13:30Caleb Hammer?

  supporting you. If they really wanted to, they would let you figure it out on your own and figure out that, oh, you know, maybe I'll actually respect what a dollar bill is.

• 1:13:42Speaker 03

  I dissociated during that entire

• 1:13:45Caleb Hammer?

  Great, she's incapable of listening. Alright, alright.

• 1:13:48Speaker 03

  I do think I should start contributing to my retirement again.

• 1:13:51Caleb Hammer?

  I'm done, Amber, I'm done. I'm done.

• 1:13:54Speaker 03

  Can you answer my questions finally? Finally. If you think acting is so easy, play along with me.

• 1:14:03Caleb Hammer?

  You. This, I literally just tried to give you what was probably the thing you needed to hear this most, and then you didn't even listen. So, you, I don't care, I'm done.

• 1:14:13Speaker 03

  Because I don't completely agree with you saying that my family... I did not respect you in that moment, and I'm sorry.

• 1:14:21Caleb Hammer?

  Respect? A very known opinion in the world? This is a, that is the most basic thing in terms of allowing a bird to fly.

• 1:14:33Caleb Hammer?

  This is the most simple thing. If you are kept in the nest forever, being fed, you will never figure it out. Everyone understands this.

• 1:14:40Speaker 03

  I'm out of the nest, Caleb.

• 1:14:42Caleb Hammer?

  I'm done.

• 1:14:42Speaker 03

  What I'm trying to say is, that is what helped me launch Pad to where I am now. And I think you can tell that I'm a much mentally healthier person. I also got that glow like you. We're feeling good, the money will come. So, you saying that it's not going to, where's the proof? Okay, watch me. I really do want your advice on this repayment plan of all of these different kinds of debts.

• 1:15:09Caleb Hammer?

  I tried to give you the one thing you needed.

• 1:15:10Speaker 03

  Yes, I do. I need a number, I need a goal.

• 1:15:11Caleb Hammer?

  You're a joke.

• 1:15:13Speaker 03

  Caleb, I need a, are you going to meditate?

• 1:15:15Caleb Hammer?

  You're a joke. I'm not continuing this. If you want to have fun in the post-show, we can. This is it. This is the...

• 1:15:21Speaker 03

  You're not gonna give me the financial advice I literally flew here for. My flight was $400, ho. What's your type?

• 1:15:31Caleb Hammer?

  What's my type? I think you like girl next door. He likes very, like, natural beauty. I find you attractive until you talk.

• 1:15:41Speaker 03

  My talking's my best feature.

• 1:15:45Speaker 03

  Is that you trying to ask me out?

• 1:15:46Caleb Hammer?

  To watch the financial audit post-show, click the join button below.

• 1:15:57Speaker 01

  It's getting chilly outside. But you know what that means?

• 1:16:03Speaker 01

  It's time to cozy up with Panera Bread. Let's get toasty, cheesy. Oh, hello, broccoli cheddar soup in a bread bowl. How about melty? Okay, chipotle chicken ovo melt. It's dipping bread and soupy goodness season. Oh yeah, we are so back. It's Panera season. Order now.