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Transcript 18,568 words · 2 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. You have a loan on the membership?
0:04 Speaker 01 If you wait and listen.
0:06 Caleb Hammer? I'm reacting, girl. People can react.
0:09 Speaker 01 You're making assumptions, not just reacting.
0:11 Caleb Hammer? If the membership you could cancel, I would be okay with this. I'm just saying my opinion. You know, the guy who runs the show?
0:17 Speaker 01 I just don't like people talking over me, trying to answer.
0:23 Caleb Hammer? Are you a coward? Where are you going? You can't handle this?
0:27 Speaker 01 Hi, my name's Rachel. I am 29 years old from Sacramento, California, and this is Financial Audit.
0:34 Caleb Hammer? Wow, thanks for coming to Austin. What do you do for a living in Sacramento?
0:38 Speaker 01 Um, I mostly do kinda, I would call it freelance. So I am a pet sitter. Um, I do house sitting and I also work as an administrative assistant.
0:49 Caleb Hammer? Like, um, I know some people who do pet sitting, like, one of my original guests on the show who I met doing a second show we did on the street, dude makes like 250,000 dollars a year at pet sitting. So this could be good. What do you do? How much are we making?
1:05 Speaker 01 Um, when I was doing it full time, like working myself to the bone, this was a couple of years ago.
1:10 Caleb Hammer? What are you making now? That's what I care about.
1:12 Speaker 01 Now, um, this is my first month back into it. I have
1:17 Caleb Hammer? Okay.
1:17 Speaker 01 I have a, um, a proposed $600 income this month, but, um, I know, I know.
1:28 Caleb Hammer? I just reached for my stress ball hearing that.
1:30 Speaker 01 Uh huh, uh huh. Um, I
1:34 Caleb Hammer? There has to be more than that, though.
1:35 Speaker 01 I
1:36 Caleb Hammer? Cause we don't, we don't allow people to come on unless they don't have income anymore. So there has to be more. What?
1:42 Speaker 01 Some income.
1:43 Caleb Hammer? Okay, but it's not real, because we can't do anything with it. So what? What?
1:47 Speaker 01 Um, I make another probably two, 250 a month from the admin work. Um,
1:54 Caleb Hammer? I am being specifically told that you have income.
1:58 Speaker 01 I
1:58 Caleb Hammer? What is the money that comes in? I'm sorry. I don't, I'm not trying to be rude off the bat. This is like, we have been very particular about making sure that people come on that have income.
2:07 Speaker 01 Well, eh, eh, yeah. I mean, I, I shared all of that when I sent in my, my documents that I kinda like.
2:14 Caleb Hammer? Yeah, we had payroll deposits.
2:16 Speaker 01 Yeah, cuz I
2:16 Caleb Hammer? On your documents.
2:17 Speaker 01 I just recently separated from a company.
2:19 Caleb Hammer? Okay, well, that's different. That is a different situation. Okay. Well, I will allow, why, what was the separation? I will allow that.
2:26 Speaker 01 Um, it was a
2:29 Speaker 01 Difficult situation between management and I. So I did get a severance and um.
2:35 Caleb Hammer? So you got laid off. What? Your phone's. Sorry.
2:40 Speaker 01 I turned the vibrator off.
2:41 Caleb Hammer? No, it's flashing at me.
2:42 Speaker 01 I know. That's the notification thing. I can, I don't know how to turn that off anymore. Probably accessibility.
2:48 Caleb Hammer? Flip it upside down.
2:49 Speaker 01 Well, then the screen's gonna light up.
2:52 Caleb Hammer? Just put it in your pocket. I'm sorry. I'm sorry.
2:56 Caleb Hammer? Oh, okay.
2:58 Speaker 01 Yes.
2:59 Caleb Hammer? Oh, wow. I was, uh, just trying to look at you and I don't think it showed up on camera, but it was just like. Flashing. Okay. Okay, okay, okay, okay, okay. Yeah, we had payroll deposit of two thousand eight hundred thirty six. So that's what we went off of. That's what we cared about.
3:12 Speaker 01 Yes.
3:12 Caleb Hammer? That was severance. What was this job?
3:14 Speaker 01 Um, I was a remote registered vet tech. So I do carry that license.
3:19 Caleb Hammer? Oh, oh, great. And we can get into vet. Vets usually understaffed in general, right?
3:24 Speaker 01 Yes.
3:24 Caleb Hammer? Especially on the emergency part.
3:26 Speaker 01 Yes.
3:26 Caleb Hammer? Okay, great. So, well, you got laid off. Why'd you get laid off?
3:30 Speaker 01 Uh.
3:30 Caleb Hammer? You scared all the dogs with your laugh?
3:34 Speaker 01 Um, no. So, um, it was, like I said, it was from home. So there were no animals involved. But as far as why separated, there was a whole thing about ADA accommodations and my boss just started lying about me and stuff like that.
3:52 Caleb Hammer? What are the accommodations that you need?
3:53 Speaker 01 I have, um, both physical and mental ADA accommodations. So.
3:58 Caleb Hammer? Yeah, what?
3:59 Speaker 01 I have a physical disability that affects my collagen. So none of my joints work.
4:05 Caleb Hammer? I don't think vet tech would be a good job.
4:07 Speaker 01 I know. I know. It's not anymore.
4:09 Caleb Hammer? Very on the feet and bending over.
4:12 Speaker 01 I know. I haven't been in hospital since twenty nineteen because of this.
4:15 Caleb Hammer? That makes more sense. Maybe we, okay, we start looking for different career fields at that point.
4:20 Speaker 01 I know, which is why I'm.
4:22 Caleb Hammer? Cause twenty nineteen between now and here, like, trust me, I get it. And it sounds like something that may be developed over time. And I have sympathy of that. If it was starting today and, you know, we would start planning for the future. This is, that was five years. You had five years to think about your future. Five years isn't significant in the span of a lifetime.
4:37 Speaker 01 Yeah.
4:38 Caleb Hammer? So isn't insignificant.
4:40 Speaker 01 I did think about going back to school. Um, and then I got this job back in December of twenty twenty three.
4:45 Caleb Hammer? Remote vet tech.
4:47 Speaker 01 Full-time, remote vet tech job.
4:48 Caleb Hammer? How do you be a remote vet?
4:49 Speaker 01 Uh, customer care. So when people call about pet.
4:53 Caleb Hammer? What were you making in this job? Cause maybe this is another job that we can get somewhere else.
4:56 Speaker 01 Hourly? I was making twenty three.
4:59 Caleb Hammer? And how many hours a week did you work?
5:01 Speaker 01 Forty.
5:02 Caleb Hammer? It's a little hard in California. It's expensive. Fucking money is kinda, yeah, right?
5:06 Speaker 01 Yeah, it's stupid.
5:08 Caleb Hammer? They don't build housing. It's a, a really ineffective place to live for being able to afford to live.
5:13 Speaker 01 And I did own a house. I did.
5:15 Caleb Hammer? You, wait, did, past did. You're twenty nine?
5:18 Speaker 01 Mm-hmm.
5:19 Caleb Hammer? That's inc- for a lot of people, that's incredible to own a house before.
5:24 Speaker 01 I had money. I was real good with money. And then.
5:29 Caleb Hammer? Okay, so then I will ask then, I will just ask. What is going on here?
5:36 Speaker 01 So I was with a guy, we were together for six years, but we were only married for two weeks.
5:43 Caleb Hammer? Okay.
5:44 Speaker 01 Uh-huh.
5:45 Caleb Hammer? It's kind of a. Hookup of intermarriage, okay?
5:48 Speaker 01 Blew up everything, everything.
5:51 Caleb Hammer? Who, hold on.
5:53 Speaker 01 Yeah.
5:53 Caleb Hammer? But you were together for six years?
5:55 Speaker 01 Mm-hmm. Mm-hmm.
5:58 Caleb Hammer? Mm-hmm, mm-hmm.
5:59 Speaker 01 Mm-hmm.
6:00 Caleb Hammer? Okay.
6:04 Speaker 01 Yeah, yeah.
6:05 Caleb Hammer? Okay.
6:06 Speaker 01 Um.
6:07 Caleb Hammer? So.
6:07 Speaker 01 Yeah.
6:08 Caleb Hammer? Why, why did we divorce after two weeks?
6:11 Speaker 01 So.
6:12 Caleb Hammer? Did you keep laughing in the middle of the night?
6:14 Speaker 01 No.
6:15 Caleb Hammer? Okay.
6:15 Speaker 01 Enjoyed my life, my laugh, thank you very much.
6:18 Caleb Hammer? I'm poking at you.
6:19 Speaker 01 So, right before we got married, I came out as bye, and then we decided to continue with the wedding. I really wanted a girlfriend and he was.
6:29 Caleb Hammer? Oh.
6:30 Speaker 01 I know, he was iffy about that, and then I decided that women probably weren't enough because our life was really horrible.
6:40 Caleb Hammer? Why were you getting married then? You knew you wanted to have a girlfriend, he wasn't a girlfriend. And the life wasn't there, which a lot of people find to be very important.
6:49 Speaker 01 I know.
6:49 Caleb Hammer? Me included, like it's normal.
6:51 Speaker 01 Yeah.
6:51 Caleb Hammer? So, why did we go through the marriage if it ended in two weeks?
6:56 Speaker 01 Because I knew I always wanted to be with him, like for the rest of my life. I just didn't know, I just, obviously not well. Um, I just didn't know that I always only wanted to be with him cuz like I think I'm kind of poly.
7:12 Caleb Hammer? Propose.
7:13 Speaker 01 I didn't propose.
7:14 Caleb Hammer? No, that's not what I was gonna ask.
7:16 Speaker 01 Oh, I. Sorry.
7:17 Caleb Hammer? Oh, poly, poly, poly, poly. Poly. Is that into everything?
7:21 Speaker 01 No, polyamorous is having like multiple partners.
7:24 Caleb Hammer? Yes, okay, I'm less good at terms, okay.
7:28 Speaker 01 It's, it's not a relationship, but.
7:31 Caleb Hammer? Sure.
7:31 Speaker 01 Uh huh.
7:32 Caleb Hammer? Yeah.
7:33 Speaker 01 Yeah.
7:33 Caleb Hammer? Okay, oh, oh, that I was actually just gonna ask, were you proposing having an open marriage?
7:38 Speaker 01 Yes.
7:38 Caleb Hammer? Okay.
7:39 Speaker 01 And I also gave him the same thing and he was like, I don't even want that.
7:43 Caleb Hammer? Were you not willing to then not do that?
7:48 Speaker 01 I was at a point in my life where.
7:51 Caleb Hammer? Where you just got married?
7:53 Speaker 01 Yeah.
7:53 Caleb Hammer? A lifetime commitment, okay?
7:55 Speaker 01 I know I've, I know I've.
7:57 Caleb Hammer? Sure, sure.
7:58 Speaker 01 Um, but I was in at a point in my life where I was really scared. I like covid had just happened. I was discovering all this stuff about my own. Twenty twenty.
8:08 Caleb Hammer? Okay.
8:09 Speaker 01 Yeah, so I don't even know if we're fully divorced yet, to be honest.
8:13 Caleb Hammer? What do you mean?
8:14 Speaker 01 Like legally.
8:15 Caleb Hammer? Really?
8:16 Speaker 01 Yeah. I, cuz he called me the other day.
8:19 Caleb Hammer? Messy?
8:20 Speaker 01 Yeah.
8:20 Caleb Hammer? Is it messy?
8:21 Speaker 01 It's, it's not angry messy.
8:24 Caleb Hammer? Okay.
8:25 Speaker 01 It's.
8:26 Caleb Hammer? Then why not get this figured out and settled? Are you with anyone else?
8:30 Speaker 01 I was, right now I'm single.
8:32 Caleb Hammer? Okay, then we would want, I feel like we would just want this settled out, at least for the comfort of someone else, once you're with them.
8:39 Speaker 01 Yeah, it's, it's still hard emotionally.
8:42 Caleb Hammer? What to, to, to.
8:44 Speaker 01 I know.
8:45 Caleb Hammer? To, why, but okay, I see, okay, you're into polygamy, that doesn't mean you can't be monogamous, though.
8:50 Speaker 01 Right, and I have discovered since I.
8:53 Caleb Hammer? Why'd you give up two weeks?
8:55 Speaker 01 I didn't give up.
8:56 Caleb Hammer? He gave up.
8:56 Speaker 01 He gave.
8:57 Caleb Hammer? He called it, so you said, I want polygamy, and he was like, no monogamy, no monogamy, oh, wait, no, no mogamy.
9:03 Speaker 01 Yeah, so he halfway agreed to it, and then he took it back and threw his ring at the table.
9:09 Caleb Hammer? Okay.
9:10 Speaker 01 So.
9:10 Caleb Hammer? Ooh.
9:11 Speaker 01 Yeah.
9:12 Caleb Hammer? Which is hard, but that almost sounds like kind of an emotional moment. Surprised there wasn't like a regrouping after like thinking about it.
9:18 Speaker 01 I tried for a long time.
9:19 Caleb Hammer? Okay, okay, well, I'm sorry.
9:22 Speaker 01 I know, me too.
9:22 Caleb Hammer? That's really hard.
9:23 Speaker 01 Me too.
9:24 Caleb Hammer? Uh, four years ago.
9:25 Speaker 01 Yeah.
9:26 Caleb Hammer? Okay.
9:27 Speaker 01 And he contacted me the other day looking for a place to serve me and I said, I don't have an address.
9:32 Caleb Hammer? We got there.
9:33 Speaker 01 Oh, it's a.
9:34 Caleb Hammer? Washington Monument?
9:35 Speaker 01 No, it's just a, uh, like a stim stimulation chewy. So that, cause like, you know, ADHD tism, you know?
9:43 Caleb Hammer? Uh, I apparently have tism because I have this little thing and I'm just always like.
9:46 Speaker 01 Yeah, yeah.
9:48 Caleb Hammer? But this is because I like to play with things.
9:50 Speaker 01 Nervous system, which is real nervous.
9:52 Caleb Hammer? Okay.
9:53 Speaker 01 Not right now for any reason, but just in general.
9:56 Caleb Hammer? So the life blew up?
9:57 Speaker 01 Yes.
9:58 Caleb Hammer? What did life blow up? Cause you know, we said, what happened? You said that happened, so what, what is happening?
10:04 Speaker 01 Right now or then?
10:06 Caleb Hammer? Just what does, what are we looking at?
10:08 Speaker 01 Right now or then?
10:10 Caleb Hammer? How did we get here and where are we?
10:12 Speaker 01 How'd we get here? See, that's a then question. So how'd we get here? Twenty nineteen injury, late twenty nineteen injury. Right? Remember how I got disabled?
10:22 Caleb Hammer? Okay. Oh, you said college an issue.
10:25 Speaker 01 Yeah, which because.
10:26 Caleb Hammer? It came from an injury or an injury happened? You didn't tell me about an injury.
10:30 Speaker 01 Right. So I had an injury, uh, November twenty nineteen.
10:33 Caleb Hammer? Okay.
10:34 Speaker 01 And that never healed when it should have healed in like three weeks. And so from November to January, I was doing physical therapy, taking meds.
10:46 Caleb Hammer? Okay, I apologize. Where are we at today?
10:48 Speaker 01 Okay, um, so today I have applied for disability several times since twenty nineteen. I have been declined.
10:57 Caleb Hammer? Okay.
10:58 Speaker 01 Uh, because I'm not disabled enough.
11:00 Caleb Hammer? What kind of makes sense? I mean, you could do a lot, not a lot of physical labor.
11:04 Speaker 01 Exactly.
11:05 Caleb Hammer? And there's not, I mean, most desk jobs are not physical labor jobs.
11:09 Speaker 01 Right.
11:09 Caleb Hammer? And in California, it's a lot of information systems types job. It's less of a going into the coal mines kind of state.
11:16 Speaker 01 Yeah, definitely. Um, it, it's really hard because.
11:22 Caleb Hammer? What?
11:24 Speaker 01 It's hard to not be able to do what you love.
11:26 Caleb Hammer? What do you love?
11:27 Speaker 01 The vet. Vetman.
11:28 Caleb Hammer? Okay.
11:28 Speaker 01 Yeah.
11:29 Caleb Hammer? Alright, well, I mean, you did this job and then he got laid off because you were doing it well, I guess, or something, maybe?
11:35 Speaker 01 I was doing it well.
11:35 Caleb Hammer? Well, you got laid off for a reason.
11:37 Speaker 01 Yeah, cuz my boss did, I was, I stood up to my boss and she did not like that.
11:42 Caleb Hammer? Well, hold on, was it like true dissubordination, like?
11:47 Speaker 01 No, it was, she was saying I was doing.
11:51 Caleb Hammer? Dissubordination, that's not the word.
11:52 Speaker 01 Dis- disobedience.
11:54 Caleb Hammer? No, that's not the word, subordinate, no.
11:55 Speaker 01 Subornance?
11:56 Caleb Hammer? Insubordinate.
11:57 Speaker 01 Ah, there we go. We f- that, we got there.
11:59 Caleb Hammer? Okay, yeah, cuz it could have been that, like, if you blow up in an inappropriate way, and that is cause for fire.
12:05 Speaker 01 No, so it was all, um, like, we would have these verbal meetings, she would say, you know, we would come to an agreement, and then when she would write up the written for HR, it was different.
12:17 Caleb Hammer? Okay, maybe you, I'm, I'm play, I always play devil's advocate.
12:22 Speaker 01 Of course you do.
12:23 Caleb Hammer? Maybe you, like, interpreted the conversation different.
12:26 Speaker 01 Um, her and her boss are BFFs, like, they went to college together.
12:32 Caleb Hammer? Cool, how does that mean they wanna f- you, though? Why would they wanna f- you?
12:36 Speaker 01 She was intimidated by me because I called her out.
12:39 Caleb Hammer? Usually when people say that, the other person's not, to be very clear.
12:43 Speaker 01 Because I called her out on her shit.
12:45 Caleb Hammer? Someone say, that person's intimidated by me, they're not.
12:48 Speaker 01 I wasn't the only one that said that.
12:50 Caleb Hammer? Pay attention to that person existing.
12:52 Speaker 01 I, well, she paid attention enough to make up lies.
12:55 Caleb Hammer? Okay, what were the lies, what were the lies?
12:57 Speaker 01 The lies were that I was doing something incorrectly. I shouldn't get into specifics of that, of that job, but that I was.
13:05 Caleb Hammer? It just flashed at me again, through the paper, that thing, that thing is trying to give me a seizure. I've never seen this in my life, thank you.
13:12 Speaker 01 You're welcome. Um, easily distracted, obviously.
13:16 Caleb Hammer? Always.
13:16 Speaker 01 So, um, I, she didn't have, the company didn't even have SOPs, so.
13:24 Caleb Hammer? Okay, was the small, just, was it getting started up?
13:27 Speaker 01 It.
13:27 Caleb Hammer? Cuz sometimes it takes a while for companies to grow.
13:30 Speaker 01 So it was, uh, it's been a company for a long time, but it got bought by another company. So it should have had SOPs from when it was its own company.
13:40 Caleb Hammer? Okay, so we got laid off.
13:42 Speaker 01 Yeah. Long story short, you asked why, so I was telling you.
13:45 Caleb Hammer? Sure, sure, sure. I know. I'm just, I'm just, I'm getting us forward, moving us forward.
13:49 Speaker 01 Uh huh.
13:50 Caleb Hammer? Got laid off.
13:51 Speaker 01 Uh huh.
13:51 Caleb Hammer? How long have you been laid off now?
13:53 Speaker 01 Literally October 25th and today is November 7th.
13:55 Caleb Hammer? So that's okay. This is different than the people who just don't have a job. You recently got laid off and now we're in the we need to get a job.
14:02 Speaker 01 Yes.
14:02 Caleb Hammer? Phase.
14:03 Speaker 01 And I have applied.
14:03 Caleb Hammer? That is different.
14:04 Speaker 01 Okay, good. Good.
14:06 Caleb Hammer? Okay.
14:06 Speaker 01 I have applied to a million places.
14:08 Caleb Hammer? Yeah, it's only been a couple of weeks. It's okay. It takes a while.
14:10 Speaker 01 No, before, before, because I was thinking about just quitting.
14:13 Caleb Hammer? Okay, well, we can go, maybe we'll go through your resume later.
14:16 Speaker 01 Okay, I would feel like that. I did send it in.
14:17 Caleb Hammer? Oh, we have your resume. Good, good. We'll go through it later. We'll take a look at things.
14:21 Speaker 01 Okay.
14:21 Caleb Hammer? And we'll take a look at your job experience and, you know, everything. Okay. But your finances. Listen up, business owners, especially those with messy bookkeeping. Early on, I tried handling, tracking every expense myself. Big mistake. And as a business owner, time is your most valuable asset and I was wasting hours of mine sorting through receipts. My advice? Get organized as early as possible. And with the sponsor of today's video, Relay, it's easy. Relay is a business banking platform designed to save you time and stress. My favorite part? You can open up to 20 free checking accounts. Organize your money into separate accounts for taxes, payroll, upcoming projects, or whatever you need from the start. It's total control over your cash flow all in one place.
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15:49 Speaker 01 Uh huh.
15:49 Caleb Hammer? This is what I've kind of been trying to get to. Yeah, yeah, yeah, but just temporarily you haven't been making money. So that's okay. This, a lot of what we're looking at here isn't a temporary situation. This has been a situation that likely takes years to get into. So why? What has been happening?
16:06 Speaker 01 The, like I said, prior to the separation, I had money.
16:12 Caleb Hammer? Part of separation was like five years ago, so.
16:15 Speaker 01 And then.
16:15 Caleb Hammer? Are you saying this was a five year operation? Okay, so what happened?
16:20 Speaker 01 I'm getting there.
16:21 Caleb Hammer? Okay, okay.
16:25 Caleb Hammer? And I don't have any.
16:27 Speaker 01 So, um, I made a lot of pretty intense impulsive decisions during that time. Um, so since I own the house, I was under this fairy tale that I was gonna live there forever. And so I put lots of money into the house, which I should not have done.
16:50 Caleb Hammer? Well, depending, there's stupid money to put into a house and then there's smart money to.
16:54 Speaker 01 It was probably stupid.
16:55 Caleb Hammer? What did you do and how much?
16:57 Speaker 01 I poured seventeen grand worth of concrete.
16:59 Caleb Hammer? Concrete? What did you do? What were you doing?
17:03 Speaker 01 So it was a quarter acre, uh, the house was on a quarter acre. And I concreted around the perimeter and then a huge, like, all the way to the back of the property, uh, a flat, like for trailers or sheds or whatever.
17:17 Caleb Hammer? Why?
17:18 Speaker 01 Because I wanted to live there for, and I needed sheds and I know.
17:22 Caleb Hammer? What prevented you from moving then? Why didn't you live there forever?
17:27 Caleb Hammer? Your house if you are gonna live there, but.
17:28 Speaker 01 And I also put solar on it and then that was. It was so stupid cuz I ended up having to pay it out when I got, um, when I sold it.
17:38 Caleb Hammer? Why'd you sell it?
17:40 Speaker 01 Because I didn't wanna get foreclosed on.
17:42 Caleb Hammer? Why would you have gotten foreclosed on? How much was this? What was the loan on this thing?
17:47 Speaker 01 Uh, I we bought it for three hundred.
17:51 Caleb Hammer? Okay.
17:52 Speaker 01 And then I didn't refinance. I did like one of those. Where you take your missed payments and put them at the end of the month.
18:01 Caleb Hammer? Why were you missing payments? How? What were your payments? What were your payments for three hundred thousand? With the low interest rates of COVID? What were the payments?
18:08 Speaker 01 Two grand.
18:09 Caleb Hammer? Why couldn't we find two thousand? I'm not saying it's an insignificant amount of money, but why couldn't we find two thousand?
18:16 Speaker 01 Cause I.
18:17 Caleb Hammer? Was this post separation?
18:18 Speaker 01 Yes.
18:19 Caleb Hammer? Okay, well, that that's a difference and we know that you break when you go outside.
18:24 Speaker 01 I do break when I go outside.
18:25 Caleb Hammer? Yes, yes, yes, yes, yes. You didn't have a job at that point. Okay.
18:28 Speaker 01 Yes, correct. And then that's when I started, because I was on state disability for a year after my injury. But they don't tell.
18:37 Caleb Hammer? What was your injury?
18:38 Speaker 01 I had a right wrist injury. It was just simple tendonitis, but because it didn't heal, that's how they found out I have the collagen disorder. So it's still. I can only lift three pounds with my right wrist.
18:52 Caleb Hammer? Yeah, but that didn't mean lifting isn't the only kind of job that exists out there. I mean, the most I've left in this office is like my cup of coffee.
19:01 Speaker 01 But when you have a specialty license, they they like give you that.
19:08 Caleb Hammer? They give it.
19:09 Speaker 01 To be able to do this.
19:10 Caleb Hammer? Of course, they give it. That doesn't mean that's where you have to go.
19:14 Speaker 01 I know.
19:14 Caleb Hammer? I mean, you're missing your. So obviously, this wasn't.
19:17 Speaker 01 Not for the first long while, because I had a big.
19:21 Caleb Hammer? I'm gonna get in your finances. I'm sorry. This is just, this has been going for a moment and I just need to know.
19:27 Speaker 01 Yeah.
19:28 Caleb Hammer? But for self assess first. It's always important. I want to see where you think it is.
19:31 Speaker 01 Hundred percent.
19:32 Caleb Hammer? You think you're a zero out of ten?
19:33 Speaker 01 I think that your scale is a little skewed, just to be honest. Because I, as you state it verbally, you're like zero being the absolute worst and I don't think that. Everybody is at a zero, like the absolute worst.
19:48 Caleb Hammer? Well, not everybody said a zero. What are you talking about?
19:50 Speaker 01 I don't think that the average person, and I know average is a whole thing, but I don't think the that. Somebody in my situation, where I have a roof over my head, is the worst possible.
20:02 Caleb Hammer? Um, yeah, I mean, that's certainly over exaggeration, right? But if like your debt is kind of like, yeah, it really doesn't get worse than this because like, sure, you could add some numbers, but at that point. It's just like, like, this is. Like that's still a zero like for the debt score and then it all compounds throughout there. No real estate, zero, obviously.
20:22 Speaker 01 Yeah.
20:22 Caleb Hammer? So it still becomes a zero. Sure. Yeah, you could be homeless under a bridge. It's a little different, but.
20:28 Speaker 01 I'm just homeless in a cardboard box.
20:29 Caleb Hammer? Watch your Hammer financial score. Go to Calebhammer.com or click the link in the description below. You can also go to Calebhammer.com/apply. We'd happy to have you on the show. Our application's actually gotten a lot easier. We just updated it to make it more streamlined. So make sure you check it out. We'd love to have you on the show. Okay. So, I see a Subaru. You look like a Subaru kinda gal. You have that California Subaru girly energy.
20:58 Speaker 01 Thanks. I think.
21:00 Caleb Hammer? Yeah, I'm gonna go camp in a forest somewhere.
21:02 Speaker 01 That is actually where I live.
21:05 Caleb Hammer? In the forest?
21:06 Speaker 01 Mm hmm. I live, my house is a seventeen foot teardrop trailer.
21:11 Caleb Hammer? So when you, when you said roof over your head, you meant a vehicle?
21:15 Speaker 01 I meant something with a bed and a kitchen and a shower.
21:20 Caleb Hammer? A shower?
21:21 Speaker 01 Yeah, the toilet's inside the shower.
21:22 Caleb Hammer? Oh, good.
21:23 Speaker 01 Yeah.
21:24 Caleb Hammer? Um, okay, sure.
21:26 Speaker 01 So I got all my.
21:27 Caleb Hammer? No, no, no, it's better than not having a roof.
21:29 Speaker 01 Thank you.
21:30 Caleb Hammer? It's a technical roof, but that's not usually what people think. Okay.
21:35 Speaker 01 It counts as homelessness in the state of California?
21:37 Caleb Hammer? Yeah.
21:38 Speaker 01 Yeah.
21:38 Caleb Hammer? Cause it's a vehicle.
21:41 Caleb Hammer? Uh, but okay, okay. Okay. Well, that puts things a little more into perspective before. So is that the Subaru? That's not the Subaru.
21:49 Speaker 01 I tow it with a Subaru.
21:51 Caleb Hammer? Do you have like designated spots or are you just everywhere?
21:54 Speaker 01 So I have a.
21:55 Caleb Hammer? It's gonna be harder for you to have a job without a permanent address.
21:58 Speaker 01 You betcha this.
22:00 Caleb Hammer? Okay.
22:00 Speaker 01 Why do you think I can't go into an office?
22:03 Caleb Hammer? Cause you don't have a permanent address. Why don't we work on, you were making money until a couple of days ago. It's like if you were in this situation forever, I'd be a little more.
22:16 Speaker 01 Want to be.
22:17 Caleb Hammer? I'd be a little more, okay, it makes sense. We can't afford a place over our head when we don't have a job. No, you literally had a job until right now. So why weren't we trying to get a roof over our head?
22:25 Speaker 01 I have a roof over.
22:26 Caleb Hammer? Come on, you know what I'm talking about. The permanent address.
22:28 Speaker 01 I don't want one.
22:30 Caleb Hammer? Okay, congratulations. Then you're probably gonna have a harder time getting a job and then you're probably gonna live in poverty and then fuck you. Like that's the end of the conversation then. It's like we just determined.
22:37 Speaker 01 There are.
22:38 Caleb Hammer? Just determined.
22:39 Speaker 01 Plenty of remote jobs.
22:40 Caleb Hammer? Cool. How are they, how's that going?
22:42 Speaker 01 Not well.
22:44 Caleb Hammer? So we literally just determined that you would have a better chance of getting a job if you had a permanent address.
22:51 Speaker 01 Mm-hmm, and you know how much more money that would cost me per month?
22:54 Caleb Hammer? Yes, but you had the stable income.
22:57 Speaker 01 Yeah, I have the stable income living in my trailer.
23:00 Caleb Hammer? Stop. And that, even if a little more expensive, trust me, I get it. It would have been more expensive on a monthly basis. I really do understand that. But it would have prevented the situation you're in right now extending longer than it needs to. Because you would have been able to at least get, listen, I'm sorry, it makes sense. If I'm hiring someone as the boss of this place, it makes more sense making sure that someone lives in a certain radius here, because it is more guaranteed that they are going to be here, because you invest a lot of money into an employee when you're first getting them set up especially. You, and then it's time, it's energy, and then replacing someone is even more time and energy. You want the best chance that they're gonna succeed.
23:43 Caleb Hammer? Hiring you would be on the lower chance of going to succeed of an in-person role.
23:50 Speaker 01 That, I don't, but that's the thing is, in-person role is just not...
23:55 Caleb Hammer? You don't have to lift everything in in-person.
23:57 Speaker 01 No, no, no, no, it's not about that. It's not about that.
24:00 Caleb Hammer? Then what is it about?
24:02 Speaker 01 It's about my mental health.
24:04 Caleb Hammer? Oh, for fuck's sake, okay.
24:05 Speaker 01 I know, I, that's a value of mine.
24:07 Caleb Hammer? What? It's a value?
24:09 Speaker 01 Yes, a value of mine is to not put myself in a situation that's gonna make me much, much worse for my mental health, especially considering I have ADA accommodations.
24:20 Caleb Hammer? You haven't told me what they are.
24:21 Speaker 01 Uh, because you didn't ask.
24:23 Caleb Hammer? Yes, I did.
24:23 Speaker 01 I, and I said mental and physical, and you didn't ask for elaboration, so.
24:27 Caleb Hammer? Elaborate.
24:28 Speaker 01 Thank you. My ADA mental accommodation is, um, up to thirty-two hours a month of, um, time off that is paid typically. And it is for, it's typically a half day every other week, and then...
24:49 Caleb Hammer? Is that forced federally?
24:51 Speaker 01 I don't know what that means.
24:52 Caleb Hammer? I cuz I I'm not, I don't do the HR, so my other guy, like if there are anything like that, he's making sure we're following guidelines and stuff like that. Is that forced federally that someone is not allowed to look at that when determining hiring? Cuz I know there are disability protections, of course. Is that specifically? Because it's not, why the would I pick you over someone who I know will come into work? Without the hassle of me having to reorchestrate everyone else's office in a small business around your life.
25:21 Speaker 01 Hmm hmm. I don't think that they are allowed to know. Plus.
25:27 Caleb Hammer? Oh, allowed to know. Well, that's different. I mean, more discriminate against it if that's a thing. I know there are certain things you can't discriminate against. I don't know if it's that one.
25:34 Speaker 01 I don't either. So that's.
25:36 Caleb Hammer? Well, why wouldn't you know? Shouldn't you be the one that does know? You and HR?
25:41 Speaker 01 Well, HR.
25:43 Caleb Hammer? You were just complaining about at the beginning that the other company wasn't following it, but now you don't even know if it's a legal requirement.
25:47 Speaker 01 What do you mean wasn't following it?
25:49 Caleb Hammer? You said the other company wasn't.
25:51 Speaker 01 I said there was an issue with it.
25:53 Caleb Hammer? I heard.
25:54 Speaker 01 Plus, I just, plus, throughout this situation, my therapist has come to the recommendation that I not have like a direct boss.
26:11 Caleb Hammer? Girl, you're not gonna survive.
26:12 Speaker 01 Yeah, no.
26:13 Caleb Hammer? Okay, I really don't understand the purpose then. This doesn't make sense. You're not gonna survive in this world. Everyone has a boss.
26:21 Speaker 01 Do you?
26:22 Caleb Hammer? Yes, the audience.
26:23 Speaker 01 Uh huh.
26:24 Caleb Hammer? I have a boss, the platform that I'm on. I have to follow the rules and regulations or else no, no money.
26:31 Speaker 01 Kind of like when I was pet sitting and making two grand a month and I was my own boss.
26:36 Caleb Hammer? Kind of. I mean, they're still your boss, the people hiring you and paying you. Yeah, they hire you and they don't have to hire you again. What the are you talking about?
26:43 Speaker 01 Because you.
26:44 Caleb Hammer? There's a direct level of management that might be different, but they're still your boss.
26:49 Speaker 01 Your boss versus your income is different. So your boss is who sets your schedule.
26:53 Caleb Hammer? They do. They hire you.
26:55 Speaker 01 Exact- that's what I'm saying.
26:57 Caleb Hammer? No, listen, if people aren't willing to hire you based on the schedule you say on Rover, then they are still setting your schedule because they don't want to hire you based on your schedule.
27:06 Speaker 01 That's not setting my schedule. Setting my schedule is what days I'm available to do.
27:10 Caleb Hammer? You can say going into a job interview, these are the days that I'm not able to do things. And they will still judge your hiring based on that, just like someone on Rover is judging your booking based on that.
27:20 Speaker 01 That doesn't make them my boss, does it?
27:23 Caleb Hammer? Okay, it's just being in a slightly different way, whatever. That's okay. I think you want to view it on a very like corporate overlord versus like you are accountable to someone.
27:33 Speaker 01 I am accountable to myself and my clients that I prompt.
27:37 Caleb Hammer? You're accountable to Subaru because you owe them money and you signed a contract.
27:41 Speaker 01 Yeah, that was.
27:42 Caleb Hammer? And you're like, I want to have a boss.
27:46 Caleb Hammer? Well, your therapist said you shouldn't have a boss. And I'm a little concerned by that. Big advocate for mental health, but she kind of you with that one.
27:55 Speaker 01 I think she cares more about me being alive.
27:58 Caleb Hammer? Yeah, you need money to survive.
28:02 Caleb Hammer? Like, I get it. But also.
28:06 Caleb Hammer? No, I get that, but there's always different levels is the thing, right? Like, I want to come at this from sympathy, but I'm also always coming at it from logic as well and devil's advocate. The thing is, is there's so many different levels of bosses. You can have a non-micromanaging boss that, you know, he's still or or she or whatever that.
28:23 Caleb Hammer? That person just sets like, here's the goals we're trying to hit. Can you help us get there with your experience? Or over the McDonald's manager that's like looking behind you as you're dropping fries in the oil, you know, there's different levels. Your therapist is saying, I don't think you should have a boss feels kind of like a disservice to me because there's so, so much in between different levels of what a boss looks like. Even you have figured that out without figuring that out when we talked about the Rover thing.
28:52 Speaker 01 Okay.
28:55 Speaker 01 Mike, so.
28:58 Speaker 01 Where where I lost my train of thought. I'm so sorry. Can you repeat the last sentence you said?
29:04 Caleb Hammer? What's your plan for survival then?
29:06 Speaker 01 That was not the last.
29:07 Caleb Hammer? No, but that's what I care about. Because you're you're like, I can't do this. I can't do this. I can't do this. I can't do this. I can't do this. At that point, it's like, then what?
29:15 Speaker 01 Exactly. So my next step is to um the company, we did sign an agreement that they will not contest an unemployment filing. So I am moving forward at that. I had to wait for my.
29:30 Caleb Hammer? How long are you at that job?
29:31 Speaker 01 Uh, ten months.
29:34 Caleb Hammer? Are you gonna qualify for unemployment?
29:36 Speaker 01 Uh, if you're over six months.
29:39 Speaker 01 At least in California.
29:41 Speaker 01 So.
29:42 Caleb Hammer? So your job is to be on unemployment.
29:44 Speaker 01 Uh huh, and then do my pet sitting.
29:47 Caleb Hammer? Even though we know you can probably do more, but.
29:50 Speaker 01 Uh huh, which I'm hoping to.
29:52 Caleb Hammer? Listen, and I'm not gonna get you in a dangerous position. I understand what you and your therapist have been talking about, mostly like based on your things. Like I do kind of get it. Sounds like you just can't have a direct and authoritative person.
30:02 Speaker 01 Exactly.
30:03 Caleb Hammer? But there are other levels of.
30:04 Speaker 01 Which I do.
30:05 Caleb Hammer? You are you.
30:07 Speaker 01 I do.
30:07 Caleb Hammer? Hold on, but you're just counting yourself out from the workforce, other than just independence.
30:11 Speaker 01 I agree.
30:12 Caleb Hammer? In the workforce, small business is fifty percent of the GDP in this country, you know, that's the majority of jobs.
30:18 Speaker 01 Which I'm doing.
30:20 Caleb Hammer? Okay, you brought in four hundred dollars, you said.
30:22 Speaker 01 I.
30:23 Caleb Hammer? When we said small, I didn't mean like micro level of business, like we're talking a small business like this is a small business.
30:30 Speaker 01 Well, this is a very successful small business.
30:32 Caleb Hammer? Yes, at a certain point, once it's like not surviving and four hundred dollars is not surviving.
30:40 Speaker 01 But I'm trying.
30:42 Caleb Hammer? That doesn't mean anything.
30:43 Speaker 01 It does, because if I wasn't trying, I would.
30:46 Caleb Hammer? Money's not participation trophies. You get, girl, you don't.
30:50 Speaker 01 Which I purchased in
30:51 Caleb Hammer? The state of California, who, trust me, they are pretty on that side of making sure everyone feels yeah, yeah, yeah. They don't define you as having a roof over your head.
31:04 Speaker 01 But I don't go cold.
31:08 Caleb Hammer? You don't pay your bill.
31:10 Speaker 01 I've
31:11 Caleb Hammer? You lost your, you were forced to sell a house.
31:12 Speaker 01 Have I missed recently?
31:14 Caleb Hammer? You were forced to sell a house.
31:16 Speaker 01 Uh huh.
31:16 Caleb Hammer? Your dream house that you wanted to live in. So don't tell me that you're doing great.
31:20 Speaker 01 Two years ago.
31:21 Caleb Hammer? I'm trying. It's not anything. You get rewarded with dollar bills based on something you provide. You do not survive off of participation trophies.
31:29 Speaker 01 Mm hmm.
31:31 Speaker 01 But
31:32 Caleb Hammer? Become a little bickering.
31:33 Speaker 01 Oh, well.
31:34 Caleb Hammer? Bickering match instead of going into your, I'm really meant to go into your numbers.
31:37 Speaker 01 You did. You did. But I got that severance package. So
31:41 Caleb Hammer? Two thousand, though. That's not, that doesn't go very far.
31:43 Speaker 01 Yeah, it was one month's pay.
31:44 Caleb Hammer? Especially in California.
31:45 Speaker 01 Yeah. So that gave me a little bit of cushion, which is good.
31:50 Caleb Hammer? You were only there for 10 months. So one month for, one month for 10 months. That's actually not very, uh, that's, you know, pretty okay.
31:56 Speaker 01 Pretty okay. Cause they didn't want me to sue them.
31:58 Caleb Hammer? Good luck with that. Okay.
32:00 Speaker 01 The lawyer didn't say good luck with that. So, thank you. You have a lot of green.
32:07 Caleb Hammer? I don't.
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32:56 Caleb Hammer? By the way, as someone with many lawyers, uh, they're all Very happy for lawsuits. It's you gotta take the judgment of what makes sense. You can sue anyone for anyone in this country. That doesn't mean you have standing. Things can be thrown out in a heartbeat. And again, you don't even know your legal qualifications for what you're saying you're talking about and what you're saying you have, and neither do I.
33:15 Speaker 01 Right. So we're in the same position right here.
33:17 Caleb Hammer? Yes, but you're overly confident that one, they were intimidated by you and two, you could have sued them into oblivion.
33:23 Speaker 01 Not into, I didn't say that. You exaggerator.
33:27 Caleb Hammer? Yes, but you're making it sound like they're terrified of you.
33:30 Speaker 01 Why else would they give me a month's severance and unemployment?
33:32 Caleb Hammer? Maybe they're a decent business.
33:37 Caleb Hammer? To let someone go, I would want to give them a big chunk of money so they had a chance of survival. I would. Not everyone out there is a horrible piece of.
33:47 Speaker 01 Correct, and I agree with that.
33:50 Caleb Hammer? It doesn't, that doesn't mean I'm intimidated. Jake, if I fire you tomorrow, it's I'm, and I promise I'm not giving you money because I'm terrified of you.
34:03 Caleb Hammer? I don't know. He thinks six and a half is huge, so it doesn't really scare me. Sorry, that's like membership post-shows conversations. That's we'll save that for later. Either, okay, either way.
34:17 Speaker 01 Number me, baby.
34:18 Caleb Hammer? Twenty-three thousand, three hundred two dollars. So this is a really high bi- uh, balance. When did we get this?
34:23 Speaker 01 Uh, January twenty twenty-two.
34:28 Caleb Hammer? Okay, so we've had it for two years, well, basically almost three, and that's still an incredibly high balance. What is it, seventy-two months, eighty, whatever months? Well, which one?
34:36 Speaker 01 Probably seventy-two.
34:37 Caleb Hammer? Okay, the five hundred two dollar minimum monthly payment, uh, more than your Rover income, great. That's gonna get us to our next.
34:45 Speaker 01 I had a projected of six hundred this month and I'm not booked up yet.
34:47 Caleb Hammer? Oh, guys.
34:48 Speaker 01 And I get like.
34:49 Caleb Hammer? We have a hundred dollars left to make everything work.
34:51 Speaker 01 Every day.
34:53 Caleb Hammer? But how are you gonna, because this is what gets scary, right? Is just like because you didn't allow yourself to have a permanent roof is preventing you from getting an.
35:03 Caleb Hammer? You know what I'm talking about?
35:05 Speaker 01 I know that you think you know what you're talking about?
35:08 Caleb Hammer? If you, if you let, if you would have let me make my point, you would have understood the importance. Because you don't have the permanent roof.
35:17 Speaker 01 It is permanent.
35:19 Caleb Hammer? Because of that, you're having a hard time getting an in-person job because that's what they consider to be a permanent roof. You get it? Cool.
35:26 Speaker 01 A permanent location and a permanent roof? Different.
35:31 Speaker 01 Permanent roof means I don't get.
35:33 Caleb Hammer? Bird flies into that, the roof's gone.
35:37 Speaker 01 I don't know. Have you lived in a trailer? I think I have a little more experience on.
35:42 Caleb Hammer? I had very close family members who lived in a trailer that I was over there often, okay?
35:46 Speaker 01 Okay, so you know my trailer and that my roof.
35:48 Caleb Hammer? Oh, my gosh, you are so shut the. Listen, I'm just.
35:52 Speaker 01 Hey, don't get mad at me for standing up to myself. Standing up for myself, to you, standing up for myself, to you. Yes, I slipped up one word.
36:01 Caleb Hammer? Listen, if you had any like justifiable, justifiable rationale behind it, I would be excited.
36:08 Speaker 01 Behind having a trailer, you haven't.
36:09 Caleb Hammer? No, about, not that, about you interjecting every second right now. And usually I'm the one that gets in trouble for interjecting. So, listen. I'm just saying because you didn't focus on getting what society considers.
36:24 Caleb Hammer? Will I ever be able to get this point out?
36:26 Speaker 01 Not if you keep saying things that I don't agree with.
36:28 Caleb Hammer? No, I don't care if you agree with, I'm saying what society says. The point I'm trying to make isn't based on your opinion or my opinion.
36:37 Speaker 01 Okay.
36:37 Caleb Hammer? So let me make it for sake.
36:40 Speaker 01 For sake.
36:41 Caleb Hammer? Because you didn't take care of that beforehand. When you had a stable source of income, it is preventing you from getting a stable source of income because you have less places you can get a job at. Now, this is in a similar vein because you have such a high car payment, high loan balance and a high term. The moment something bad happens to this, just like your past job, let's say it gets totaled. Or let's say your income goes dry and you lose it because it gets repo'd, then that is now preventing you from getting to your Rover job as well. You're setting yourself up for these failures. If something goes wrong, you are not allowing yourself to have any security.
37:22 Caleb Hammer? You are setting yourself up for a disastrous life because you refuse to, one, you don't need a twenty-three thousand hour car is what it is now. It was probably thirty thousand hours when you got it. Yeah, I didn't need that.
37:33 Speaker 01 More than that.
37:34 Caleb Hammer? Uh huh, exactly. You don't need a five hundred dollar, huh?
37:38 Speaker 01 I special ordered it.
37:40 Caleb Hammer? How are you supposed to order a Subaru?
37:42 Speaker 01 Um, because it was before it came out. So I bought it in, uh, so it's the 2022. And I bought it in December of 2021. Sort of. I ordered it in December of 2021 because they didn't come into dealer's share until later. That's what I meant.
37:59 Caleb Hammer? Because that's what you needed.
38:01 Speaker 01 Yeah, I, it, uh.
38:04 Caleb Hammer? Let me guess, this was a mistake. I've heard that a few times this episode.
38:06 Speaker 01 Um, no. So at the time, it was in what I considered. I don't know if investment is the right.
38:16 Caleb Hammer? You consider a lot of things.
38:18 Speaker 01 I do, as, as does everybody.
38:20 Caleb Hammer? No, no, no. You consider a lot of things incorrectly. Like you consider a trail or permanent residence.
38:26 Speaker 01 I don't think that's incorrect.
38:28 Caleb Hammer? Well, it's not. No, no, no. This is a moving trailer. This isn't even one of those like mobile homes that is in a lot.
38:34 Speaker 01 Right. I wouldn't want that.
38:35 Caleb Hammer? Exactly. You're in very much something not considered permanent in any way. You're moving it always.
38:41 Speaker 01 I am moving it always.
38:42 Caleb Hammer? Well, we're not going back to that. Continue your point.
38:44 Speaker 01 Okay. Um, if I remember my point, what, what was I saying?
38:50 Caleb Hammer? Do you think you're employable?
38:51 Speaker 01 Oh, yeah.
38:52 Caleb Hammer? Why?
38:53 Speaker 01 Because I have a lot of skills.
38:54 Caleb Hammer? Which are?
38:55 Speaker 01 Uh, there, so I have many years in customer service. I have the medical knowledge of an RBT and my license.
39:04 Caleb Hammer? Do you think you, I'm just being genuine here. Genuine. I don't want to insult.
39:09 Speaker 01 I mean, that's your job.
39:10 Caleb Hammer? You're exciting. That's not my job. That's, you know, I have a little bit of a energy to me, so that comes with my show.
39:17 Speaker 01 Mm-hmm, mm-hmm, mm-hmm.
39:19 Caleb Hammer? Uh-huh.
39:19 Speaker 01 Not going to disagree.
39:20 Caleb Hammer? No, of course not. Um, I mean, you watch the show, so.
39:24 Speaker 01 For the past week.
39:25 Caleb Hammer? Of course. Really? Only a week?
39:26 Speaker 01 Yeah, I stumbled upon you last Monday. I saw one episode and I'm like, eh, some gigs apply.
39:31 Caleb Hammer? Tied the trailer to Texas. Okay, so.
39:34 Speaker 01 I thought about it. It would have been more expensive.
39:36 Caleb Hammer? So.
39:37 Speaker 01 Oh, that's what I was saying.
39:39 Caleb Hammer? Your existence and how you present yourself and how you talk.
39:42 Speaker 01 Uh huh.
39:43 Caleb Hammer? Uh, listen, uh, you know, actually, let me associate this to me for an example.
39:48 Speaker 01 Uh huh.
39:50 Caleb Hammer? I actually did have to do some customer service there for a bit when I started my job. It was mixture of customer service and sales before. Uh, I went into sales, uh, my first post-college job.
39:58 Speaker 01 Mm hmm. Sales of scummy.
40:00 Caleb Hammer? I would not, huh, sales?
40:02 Speaker 01 Mm hmm.
40:02 Caleb Hammer? Uh, sales of scummy?
40:04 Speaker 01 Mm hmm.
40:04 Caleb Hammer? What if you sell like something good? We weren't selling something good, but you can sell good things.
40:09 Speaker 01 And still try to get the most money possible with it.
40:12 Caleb Hammer? I, I take the bait every time with you. I take the bait every time. Every time you say something, I will just. Okay. I wouldn't be good at customer service because I'm.
40:24 Caleb Hammer? Are you sure you'd be good at customer service? You're all over the place. You're loud. You're a bit abrasive.
40:29 Speaker 01 In my personal life, that doesn't mean that that's my, my.
40:33 Caleb Hammer? Oh, this is all I know about you.
40:34 Speaker 01 I know.
40:36 Caleb Hammer? I have to, so that's just what I'm asking.
40:37 Speaker 01 Interview.
40:38 Caleb Hammer? Huh?
40:38 Speaker 01 I said, cause this isn't a job interview.
40:41 Caleb Hammer? It is an interview.
40:42 Speaker 01 Uh, right, but it's not for employment. So why would I present my employment? Personality. When I'm not here for that.
40:51 Caleb Hammer? No, no, no. This isn't about the how you do in an interview. It's about how you do on a daily in a job. Just trying to figure out if you would do well in a job.
40:59 Speaker 01 I mean, I've had customer service positions.
41:01 Caleb Hammer? Been laid off.
41:01 Speaker 01 Once.
41:03 Caleb Hammer? Uh huh. Cause they were intimidated.
41:05 Speaker 01 Because there was a possibility that they were intimidated. Why else?
41:08 Caleb Hammer? Oh, it's a possibility now.
41:09 Speaker 01 Why else would you start lying about somebody?
41:11 Caleb Hammer? Okay, we're not going back to, we're not going back to, I'm sorry.
41:13 Speaker 01 Immediately after ADA accommodations get approved.
41:16 Caleb Hammer? I'm so easy. I'm so easy. Guys, I'm too easy. Too easy.
41:19 Speaker 01 Okay.
41:19 Caleb Hammer? Okay.
41:20 Speaker 01 You asked me about my car.
41:22 Caleb Hammer? I asked you about your employment skills.
41:23 Speaker 01 Right, but previously the sentence that you wouldn't let me finish.
41:26 Caleb Hammer? I'm gonna leave the interview on my job.
41:27 Speaker 01 Okay.
41:28 Caleb Hammer? So how about you follow the current track, your employability skills?
41:31 Speaker 01 Mm hmm.
41:32 Caleb Hammer? Do you think you're employable? You say yes, I say what skills you say you're good at this? Because without the employability.
41:37 Speaker 01 Mm hmm.
41:38 Caleb Hammer? This conversation is pointless. So I want to see why you think you're employable.
41:41 Speaker 01 And I've been trying to tell you.
41:43 Caleb Hammer? Well, you tried to go to another part of the conversation. So that's incorrect, but go ahead. Continue.
41:46 Speaker 01 Um, so like I said, I've got lots of customer service skills. I have administrative skills. Um, I have the medical knowledge and the medical license.
41:56 Caleb Hammer? I like that one.
41:57 Speaker 01 Yeah, thank you. Um, it did cost a lot of money. And, um, I worked three jobs during college. It was hard. Anyways.
42:06 Caleb Hammer? We have a lot of student loans here.
42:07 Speaker 01 Yeah. Um, so. Yeah, I mean, I've, I've got, I mean, we can look at my resume later.
42:17 Caleb Hammer? Let's look at your resume. Can I have it?
42:20 Caleb Hammer? Uh, if someone wants to, uh, slack it to me, that'd be chill.
42:23 Speaker 01 I have it on my phone too, if you need it.
42:25 Caleb Hammer? Um, oh, that works.
42:26 Speaker 01 Okay.
42:26 Caleb Hammer? Yeah. Let's see it flash me with its light. You're trying to assault me with, you just want me to start seasoning. So that. This conversation finishes.
42:37 Speaker 01 Uh, Google Drive. That's what I'm looking for.
42:41 Caleb Hammer? Guys, she's qualified in technology. She can pull up Google Drive.
42:44 Speaker 01 You're such an.
42:45 Caleb Hammer? I am, I'm sorry.
42:48 Speaker 01 And I just don't want that on screen, but you can.
42:50 Caleb Hammer? Of course, of course. Finally, a resume that doesn't look like a piece of. We have a lot of resumes on this show.
42:57 Speaker 01 I appreciate that.
42:58 Caleb Hammer? Location, California.
43:00 Speaker 01 Correct. I don't leave California because I'm on medical.
43:04 Caleb Hammer? You're here.
43:05 Speaker 01 I meant living wise.
43:07 Caleb Hammer? Um, this is so big, like, what if I'm trying to hire you in LA and I see California, I'm like, uh.
43:14 Speaker 01 That's why I only apply for remote positions.
43:17 Caleb Hammer? Which is becoming so much more scarce and because of the scarcity and everyone wanting them, they are the most competitive jobs in the United States.
43:25 Speaker 01 Yeah, I've had a, a New York based and a Texas based.
43:30 Caleb Hammer? I hope so.
43:31 Speaker 01 And then right now I'm doing um my tattoo artist for her her admin stuff.
43:37 Caleb Hammer? Ooh, okay. I will say your passions and interests.
43:41 Speaker 01 Mm hmm.
43:42 Caleb Hammer? Definitely, you can start vibing politicalness from it because.
43:47 Speaker 01 What does that mean?
43:47 Caleb Hammer? You can start vibing, listen, I'm not against someone who's uh for animal rights, obviously I am too, or human rights, environmentalism, mental health, you know, authenticity and kindness and you know, that kind of stuff. But once you start putting that as a just as important as the key skills on here, I start seeing that. And well, I can see other people seeing that as, oh, she's gonna come in here and she's just gonna cancel the company.
44:15 Speaker 01 What what do you mean by cancel the company?
44:17 Caleb Hammer? You know exactly what I mean. There are certain people.
44:20 Speaker 01 I wouldn't have asked if I did.
44:21 Caleb Hammer? Huh?
44:21 Speaker 01 I wouldn't have asked for a clarification if I knew exactly what you meant.
44:24 Caleb Hammer? That the moment, this this is something like that.
44:30 Caleb Hammer? There's probably a lot of places where it's just like, how do I want to phrase this? I I want to let me think about this, where it's just like. Why stir up? And like, the I'm not translating it like this, I'm just saying some people could.
44:47 Speaker 01 Okay.
44:47 Caleb Hammer? Some people could, that you could be in there, uh and the fact that you're layering just as equals your key skills. Your environmentalism and all this stuff, it could suggest to a potential employer that you're gonna be someone who goes in there. And then you're gonna be making issues about a bunch of different stuff, just constantly. You're gonna be someone who just gets offended, super easy. Like every conversation is gonna be an HR thing.
45:10 Speaker 01 Got it.
45:11 Caleb Hammer? And says, and that is, and that that it's it's not a bad thing that you uh would feel passionate about things, it's not. But it's you indicating it just as important as your customer relations skills, your veterinary medicine skills, leadership skills. It's just as equal on your resume, it's the same size. Actually, no, passions and interests is actually bigger.
45:29 Speaker 01 Okay.
45:30 Caleb Hammer? On your resume. So.
45:31 Speaker 01 Good point. I gotta I gotta say.
45:34 Caleb Hammer? Well, yeah, I'm not a, I didn't, I don't have the show being an idiot. Actually, I'm an idiot on a lot of things, but this is the stuff that I'm, you know, I'm relatively good at this, okay? Um, and then work experience, it's all over the place. So what we're having here, what kind of remote jobs are you applying for?
45:50 Speaker 01 Um, administrative, uh, healthcare, veterinary care, pet insurance.
45:57 Caleb Hammer? Okay, so a lot of it's pet and then, and then we have administrative. And then in here, I have the mixture of both. What I would instead have is a resume focused on administrative and a resume focused on animal. And I get that you have the experience on both fields, but having one, two, three, four, five, six, seven, eight, nine, 10, your last 10 experiences.
46:15 Speaker 01 All of those are all of my jobs.
46:17 Caleb Hammer? Exactly. That's a bit much.
46:19 Speaker 01 Okay.
46:19 Caleb Hammer? I would have the most critical focused on what you're applying for. If you have to, you know, move a number a little, like to make things work, you know, it's not, nothing in the world. Um, cause I mean, you're still not lying about your real experience, you know? So, you know, having resumes focused on what you're going for, if I'm hiring, if you're applying for an administrative job and, you know, 75% of this is I was working as a vet tech, I'm like, I'm probably gonna hire the person that the resume is focused on administrative tasks.
46:46 Speaker 01 Yeah.
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48:16 Caleb Hammer? So it's it's it's it's a this is two one size fits all resume.
48:21 Speaker 01 Hi, I didn't want to interrupt you again. Um, I, as far as my like management and and shift lead positions, those were more towards the beginning of my work life.
48:33 Caleb Hammer? It's a but it's at the top administrative assistants is at the top. Usually that's the most recent.
48:37 Speaker 01 Supervisory and management is what is what I meant because I was.
48:41 Caleb Hammer? Okay, well, then you typed it wrong.
48:43 Speaker 01 No.
48:44 Caleb Hammer? Oh, so you put your most recent at the bottom?
48:46 Speaker 01 No, if you would have let me finish my sentence. Thank you so much. Oh, sorry about the table.
48:50 Caleb Hammer? So much.
48:51 Speaker 01 Um, so my managerial and supervisory experience was more towards the beginning of my work history, which is why that's down at the bottom.
49:02 Caleb Hammer? Okay.
49:02 Speaker 01 But if I take off those first two jobs, where do I put my supervisory?
49:06 Caleb Hammer? That's why I said we maybe we tweak a number.
49:08 Speaker 01 Okay.
49:09 Caleb Hammer? I'm not advocating for lying necessarily. It's just I don't want to be like on the record for that, but it's just like tweak.
49:16 Speaker 01 Yeah.
49:16 Caleb Hammer? A little tweak, okay?
49:18 Speaker 01 Yeah.
49:18 Caleb Hammer? You know, when I was close to two years in product management, I started looking for another job. I said I was two years. I was close.
49:25 Speaker 01 Yeah.
49:26 Caleb Hammer? So tweak, you know? All that matters in the end is can you actually bring the skills and perform in the company? Yeah. So those are the things I would focus on. You know, I wouldn't try to make it an advocacy resume.
49:39 Speaker 01 Okay.
49:39 Caleb Hammer? Because someone doesn't want someone coming in.
49:41 Speaker 01 Advocates for themselves?
49:42 Caleb Hammer? Not advocate for themselves. Someone doesn't want someone coming in and trying to uh turn the organization on it upside down.
49:49 Speaker 01 That makes sense.
49:49 Caleb Hammer? You know?
49:50 Speaker 01 Yeah.
49:50 Caleb Hammer? It's like. That's what it is. You know, it's just terms of risk for hire. Again, it's expensive to hire someone.
49:56 Speaker 01 Yeah.
49:57 Caleb Hammer? And then if we do hire you and you don't work out, it's expensive to replace you.
50:00 Speaker 01 Yeah. What did you think about the little quote at the top?
50:02 Caleb Hammer? It was fine.
50:03 Speaker 01 Okay. Cause I think that that's a really, that's a big part of.
50:08 Caleb Hammer? Well, reading that quote specifically, I don't have it uh here, but reading that with the activism part, I was like, it was something about how change is critical and I'm also like, okay, if we're really focused, I don't want you to come in this company and just, cause we're like Brent, the historic figure on this channel. He's someone that comes into job interviews and he's always like, here's what I'm gonna change about your company when I'm gonna do all this. And it's just like,
50:28 Speaker 01 Right.
50:30 Caleb Hammer? No one hires those people. You should come in, you should learn the structure, you should learn. And then once you're able to speak adequately about everything, you can push for reasonable, good change. Change is not a bad thing.
50:41 Speaker 01 Right.
50:42 Caleb Hammer? But no one wants someone coming in and just they're like, wait, I know everything about this company. I'm ready to change everything. That's not what anyone wants.
50:50 Speaker 01 No.
50:51 Caleb Hammer? So it annoys everyone.
50:52 Speaker 01 Right. And I think the quote says like, like um, success is not the goal, formative change is or something like that. Um, and that's where true success is. Oh, it's survival is not the goal. That's what it says.
51:04 Caleb Hammer? Okay, that's better.
51:05 Speaker 01 Yeah, survival is not the goal.
51:06 Caleb Hammer? People want to see success when they're hiring someone.
51:08 Speaker 01 Change is success. So.
51:11 Caleb Hammer? What's the interest rate on this car? Cause it's blurred.
51:13 Speaker 01 It's blurred.
51:14 Caleb Hammer? It's a, it, no, it's blurry. It's hard for me to see.
51:16 Speaker 01 Uh, five point one nine?
51:19 Caleb Hammer? Not the worst.
51:21 Speaker 01 Yeah.
51:21 Caleb Hammer? Not the best. It's in that like gray area of interest rates on a depreciating asset. Okay.
51:26 Speaker 01 I needed a car that would last me for a very long time.
51:28 Caleb Hammer? How many miles are on it? How's the condition?
51:30 Speaker 01 Um, it is three hundred sixty something, or not three hundred, thirty six something thousand miles right now. Um, and it actually just got a brand new engine.
51:40 Caleb Hammer? How much was that?
51:41 Speaker 01 A thousand.
51:42 Caleb Hammer? Oh.
51:42 Speaker 01 Yes. Not horrible, cause warranty.
51:44 Caleb Hammer? Oh, okay. Good.
51:45 Speaker 01 Yes. Yes.
51:47 Caleb Hammer? Okay. What am I looking at here? Cause you sent a lot of screenshots, cause you didn't really know how to pull statements.
51:51 Speaker 01 That's actually, okay. Yes. This is my um.
51:57 Speaker 01 Lifetime camping membership. So that's where I get my water, electricity, place to park.
52:06 Caleb Hammer? So you do have a place you go to the most?
52:07 Speaker 01 Yeah, if you listen to me earlier.
52:10 Caleb Hammer? Oh, I don't know. Okay.
52:11 Speaker 01 Yeah, no excuse on your end, huh?
52:13 Caleb Hammer? Sure. You said a couple of things incorrectly that I, but that's fine. So I just want to. The record was hell on that one.
52:23 Speaker 01 So this is the loan. Once this loan is paid off, then I only have to pay the yearly.
52:29 Caleb Hammer? It's a loan to the, to the lot?
52:32 Speaker 01 No, it's a loan to the membership.
52:35 Caleb Hammer? To the, you have a loan on the membership?
52:37 Speaker 01 If you wait and listen.
52:40 Caleb Hammer? I'm reacting, girl. People can react. I wasn't even asking a question.
52:44 Speaker 01 Not just reacting.
52:45 Caleb Hammer? I assumed that it was a loan after you said it was a loan.
52:48 Speaker 01 To the lot, to the whatever, but it's not. It's a lifetime membership, like I said. So once that membership is paid off, I only have to pay the.
53:02 Caleb Hammer? Say it.
53:02 Speaker 01 I only have to pay the annual dues, which is like $400 a year.
53:06 Caleb Hammer? This is a camping timeshare.
53:09 Speaker 01 Yes.
53:09 Caleb Hammer? This is a camping timeshare.
53:12 Speaker 01 And you know what it does? It gives me free electricity, free water, a place to live.
53:16 Caleb Hammer? How is it to get out of it when you want to? Do you have to sell your membership?
53:20 Speaker 01 You do. Yes.
53:23 Caleb Hammer? Me.
53:24 Speaker 01 But I'm not, but I'm not.
53:26 Caleb Hammer? If it was a membership you could cancel, I would be okay with this. I would be okay with this. No, one second. I'm just saying my opinion. You know, the guy who runs the show?
53:35 Speaker 01 Mm hmm.
53:35 Caleb Hammer? Yeah, I do that sometimes.
53:36 Speaker 01 And you're also the one asking me questions and I'm trying to answer.
53:39 Caleb Hammer? You're so combative. Oh, it's interesting putting two combative people together.
53:44 Speaker 01 Mm hmm.
53:45 Caleb Hammer? So.
53:46 Speaker 01 I just don't like people talking over me.
53:48 Caleb Hammer? We wouldn't, uh, it's okay if you, if someone talks over you, you're louder than them anyway, half the time. So everyone will hear you regardless. But we wouldn't last. We're last. One, I'm monogamous, so.
54:02 Speaker 01 I wasn't looking for that, so I don't know why I had to bring that up, but.
54:08 Caleb Hammer? I don't remember.
54:09 Speaker 01 We were talking about the membership.
54:10 Caleb Hammer? Oh, yeah, the timeshare.
54:11 Speaker 01 Mm hmm.
54:12 Caleb Hammer? Yeah, the really stupid decision of getting this. Okay. Yeah.
54:15 Speaker 01 What makes us having a secure place?
54:17 Caleb Hammer? Cause you have to sell to get it out. It's less, it's less about the secure place.
54:19 Speaker 01 But why do I want to get it out? Cause I don't want a permanent residence.
54:22 Caleb Hammer? You dude, you are twenty nine. You do not know what the rest of your life looks like.
54:25 Speaker 01 Mm hmm. I know. Nobody does.
54:28 Caleb Hammer? Yes, but you've bound yourself to something that you would have to sell. Oh, a product.
54:33 Speaker 01 How is it a product?
54:34 Caleb Hammer? Just like a timeshare, these ongoing dues forever.
54:38 Speaker 01 Until you're sixty five.
54:39 Caleb Hammer? That you have to, oh, great.
54:40 Speaker 01 Yeah.
54:40 Caleb Hammer? Well, that's close. Um, this is that you have to.
54:44 Speaker 01 Four hundred dollars a year for free electricity, free rent and a place to park is a horrible issue?
54:49 Caleb Hammer? In your situation, but it is still. It's less about that. One four hundred.
54:52 Speaker 01 It's a bad decision.
54:53 Caleb Hammer? Hold on. Four hundred dollars is actually a lot of money to you. So don't try to act like an entitled little brat. Okay?
54:59 Caleb Hammer? All right?
54:59 Speaker 01 Mm hmm.
55:00 Caleb Hammer? You can't barely pay a five hundred dollar bill. I don't know how you're going to next month. So I don't want to hear about that. But also your total loan payoff is eight thousand one hundred thirty five. So it's not just about that ongoing bill forever. So fuck off. It's obviously not the case. Interest, interest is accruing like crazy. Oh, good. There's also fees. So we're getting fees and we're getting interest. What's the interest on this then?
55:24 Speaker 01 Hmm.
55:26 Caleb Hammer? How do you not know? You s- you signed up for s-
55:29 Speaker 01 I signed up for it over a year ago.
55:30 Caleb Hammer? So you thought this is good, but you don't even know if it's good.
55:34 Speaker 01 I know that I, I know that I needed a place to live. I know that I need electricity and I know that I need water. So I have made work.
55:43 Caleb Hammer? It's less about that. I'm talking about the product itself.
55:46 Speaker 01 Right? Which doesn't make a difference if I don't have a place to live.
55:50 Caleb Hammer? Yeah, we can figure out so many solutions. You're acting like this is the only one that exists in the world.
55:54 Speaker 01 I couldn't rent.
55:56 Caleb Hammer? You're so inflexible.
55:58 Speaker 01 I actually am hypermobile, but, uh,
56:01 Caleb Hammer? Ha, ha, ha.
56:03 Speaker 01 So I, uh, I couldn't rent when I lost, when I almost lost my house. Couldn't rent.
56:10 Speaker 01 Couldn't rent a room because I have pets. Couldn't um.
56:16 Caleb Hammer? How many pets you have?
56:17 Speaker 01 I have four and I'm fostering a puppy.
56:21 Caleb Hammer? In a trailer?
56:22 Speaker 01 It currently, well, that we have all lived in the trailer, yes. I'm currently um crashing on my mom's couch because my house was in the shop for a week.
56:33 Caleb Hammer? Your trailer, okay.
56:34 Speaker 01 Uh huh, and I got it back and I'm just working on getting my stuff back, moved into it.
56:39 Caleb Hammer? Is your car in good condition?
56:41 Speaker 01 Uh, like mechanically or like?
56:43 Caleb Hammer? Yeah, the car and the it's just looks and everything as well.
56:47 Speaker 01 It's got some dents and scratches, I mean, I.
56:49 Caleb Hammer? You might have an actual equity position in the car in terms of positive equity. In good condition, it's valued at about twenty eight thousand, so maybe this is like twenty five thousand.
56:57 Speaker 01 Uh huh.
56:57 Caleb Hammer? Um, or closer to your value at twenty six K, who knows? So you actually might, one of a kind, ah, in your situation, selling it's so weird because like you kind of need it. You need something more reliable, you can't afford this minimum payment. You don't know the interest on here.
57:13 Speaker 01 I, I thought it would show on the payoff thing, but it didn't.
57:17 Caleb Hammer? Well, it'll show on the payoff, no, if you sent us a statement like we requested, it would have.
57:21 Speaker 01 Well, I don't get sent statements.
57:24 Caleb Hammer? You get statements for anything that's a bill, anything that's.
57:27 Speaker 01 I don't get it in my email and unless it goes to a.
57:30 Caleb Hammer? You go to the website and you download statements in a statement section.
57:33 Speaker 01 This is the website.
57:33 Caleb Hammer? Or you call them, or you call them, or you email them and they will send you a statement. Everything that has a bill has a statement, good. I'm gonna calculate the interest, how about that? So I can do that for you as such a good friend.
57:49 Speaker 01 Thanks so much, Caleb.
57:52 Caleb Hammer? It's twenty two percent interest.
57:55 Speaker 01 That sounds bad.
57:56 Caleb Hammer? It's very bad, it's beyond bad.
57:59 Speaker 01 A place to live.
58:00 Caleb Hammer? Listen, you don't get it, I mean, yes, you need, uh, you are acting like it is the only solution. I wasn't there, we could have brainstormed, we're gonna brainstorm before you're at now, but you act like I can't have a boss, it's the only place I could live, you're inflexible, a twenty three percent interest. For a cup of water and electricity is not a deal. An ongoing membership that you have to sell to get out of until you're sixty five is not considered a good deal. It's a membership for not even a room, you know, it's like different, like at least timeshare you have a room.
58:37 Speaker 01 So, but I have a room. I bring my whole house there.
58:41 Caleb Hammer? Yes, you bring it. You don't usually have to do that for timeshares. You think when people go to a timeshare, they bring a room from their house and take it there?
58:48 Speaker 01 It is only two, I know you're gonna say, only you can't afford. It's only two hundred fifty dollars a month to have all the electricity I need. All the water I need. You're not really being realistic right now. Because where?
59:04 Caleb Hammer? About that.
59:05 Speaker 01 Oh, it is? What, what is it more about?
59:07 Caleb Hammer? You're acting like it's the only option.
59:09 Speaker 01 It was.
59:10 Caleb Hammer? That's not. You're in, you're saying you can't have a boss. I don't believe you. You're not a good narrator. You're not a reliable narrator for what was like in that situation. You're really not.
59:20 Speaker 01 Because I can't disclose details.
59:24 Caleb Hammer? Well, then how the am I supposed to have what you consider an informed opinion if I don't have all the information? Don't be stupid.
59:30 Speaker 01 What do you mean?
59:31 Caleb Hammer? No shit then.
59:32 Speaker 01 The job thing wasn't what I was saying in uninformed decision about. It was the or uninformed opinion. It was the trailer and the camping membership.
59:42 Caleb Hammer? Almost nothing with a twenty two, twenty three percent interest rate is considered a good deal. Listen, if this was maybe at a five percent, we could have a conversation about that. If it was a membership that you didn't have to sell, we could have a conversation about that. You have to sell the membership before sixty five. And it's a twenty three percent interest. It's basically a credit card.
59:59 Speaker 01 Uh huh.
1:00:00 Caleb Hammer? Okay. If you can't figure that out.
1:00:03 Speaker 01 My rent is two hundred fifty dollars a month.
1:00:05 Caleb Hammer? I get that.
1:00:06 Speaker 01 Is like fifteen.
1:00:07 Caleb Hammer? First of all, it's not your rent because you're not getting an actual place. You're just getting access to utilities.
1:00:11 Speaker 01 My god.
1:00:12 Caleb Hammer? Those are utilities. You're paying.
1:00:14 Speaker 01 Place to live? Not rent.
1:00:18 Caleb Hammer? It's a place for you to put your trailer.
1:00:20 Speaker 01 Uh huh. And have water and electricity.
1:00:23 Caleb Hammer? Yeah, this is a two hundred fifty dollar a month utility payment.
1:00:27 Speaker 01 And a place to live that's secure.
1:00:31 Speaker 01 I can't just
1:00:32 Caleb Hammer? I'm gonna move on.
1:00:33 Speaker 01 Like I can and I'm gonna have to live in an alley for a while.
1:00:37 Caleb Hammer? No.
1:00:37 Speaker 01 But that doesn't mean it's safe.
1:00:39 Caleb Hammer? Oh, gosh.
1:00:40 Speaker 01 To be able to be at a campground three weeks at a time.
1:00:43 Caleb Hammer? I get it. I heard it. I heard it. I know. I know what you're saying.
1:00:46 Speaker 01 But you don't agree.
1:00:47 Caleb Hammer? It's not that I don't agree that it is. Listen. What I am saying is you're acting like it is the only choice and because of that it is considered a good deal. I wasn't there, but usually any, there has not been one time on this show. Not one time in recording four to five episodes a week for two and a half years that when someone comes and they act like this was the only thing I couldn't find an alternative. If we were there when that happened, what, four years ago, right? Four years ago?
1:01:16 Speaker 01 Uh, uh, January twenty twenty-three. So it took me
1:01:20 Caleb Hammer? Okay, so last year, uh, almost two years ago.
1:01:22 Speaker 01 Yeah, so it took me a long year of planning the trailer that I could tow with my car and
1:01:26 Caleb Hammer? We could brainstorm, we could look at resources.
1:01:28 Speaker 01 Uh huh, which I did.
1:01:29 Caleb Hammer? Uh, and you did. Based on you, I've had other people do things and they think, again, something is the only way. Sometimes when you talk outside of your own little bubble, you might get some more information. But it doesn't matter. It's where we are.
1:01:42 Speaker 01 You say that I only
1:01:44 Caleb Hammer? I don't think
1:01:44 Speaker 01 You make a lot of assumptions.
1:01:47 Caleb Hammer? Just based on experience.
1:01:48 Speaker 01 Okay, that doesn't mean they're right.
1:01:50 Caleb Hammer? No, it doesn't, but at least I would have tried.
1:01:52 Speaker 01 And you think I did it?
1:01:55 Speaker 01 Cause that's what that says.
1:01:56 Caleb Hammer? It's not based on you trying. I said, maybe I could have come up with something. Maybe my team could have come up with something.
1:02:02 Speaker 01 But that's the past.
1:02:04 Caleb Hammer? It's what I just tried to say. Do you want to let me move on?
1:02:09 Caleb Hammer? Two weeks of marriage, huh?
1:02:11 Speaker 01 Mm hmm.
1:02:13 Caleb Hammer? That makes sense.
1:02:17 Speaker 01 That wasn't very nice.
1:02:19 Caleb Hammer? Four hundred and eighty dollar minimum payment on that. So now we're at a thousand dollar. Are you okay? Oh, I'm sorry. I was
1:02:26 Speaker 01 That was not very nice.
1:02:27 Caleb Hammer? No, it wasn't. I was just trying to make a jab. I'm sorry. Like, I did not mean for that to be insulting. Oh, okay, take a moment. I'm sorry.
1:02:35 Caleb Hammer? Well, let's take a moment. Yeah.
1:02:39 Speaker 01 I'm sorry.
1:02:40 Caleb Hammer? Oh, no, it's okay. I was trying to play to the cheekiness for the show. Are you okay?
1:02:44 Speaker 01 I need air.
1:02:45 Caleb Hammer? Take a moment? You want to go outside? It's okay. Take your time. Take your time. It is no worries at all.
1:02:56 Speaker 01 I'm probably extra red now.
1:02:57 Caleb Hammer? That's okay. You sure you're good?
1:03:00 Speaker 01 My threshold was has been lowered a little bit.
1:03:03 Caleb Hammer? I I don't know what that means. I'm sorry.
1:03:05 Speaker 01 Um, post post panic attacks, it's a little harder um to not have physical reactions like this.
1:03:17 Caleb Hammer? I I I have a panic disorder. I I get it. I understand it. Well, I mean, this is um um. Gosh, you know, that's why we go through the whole onboarding situation and specifically ask consent. If we're allowed to make, you know, rude jokes.
1:03:33 Speaker 01 No, totally. And I am not upset at you.
1:03:36 Caleb Hammer? Actually feel hurt. That was we would never want that.
1:03:39 Speaker 01 Thank you.
1:03:40 Caleb Hammer? Ever, ever, ever, you know, I I love cheeky little comments and that's all that was intended to be.
1:03:46 Speaker 01 I know.
1:03:46 Caleb Hammer? Not a harm against you, okay?
1:03:48 Speaker 01 I know. I appreciate that clarification.
1:03:50 Caleb Hammer? I very much want us to go through this and I very much want to be able to create a plan. I want to connect you with our resources. I wanna um we'll we'll probably be able to get you connected with a financial advisor like a there's a lot of things I want to do, okay? Um, so.
1:04:06 Speaker 01 And some lady owes me ten grand. So like court ruling case. So some legal help would be cool, too.
1:04:13 Caleb Hammer? Who? Why did she owe you ten grand?
1:04:15 Speaker 01 Oh, gosh. So it's my high school boyfriend's mom. And she needed life-saving surgery. And then I lent her the money for it and then it turned out it was a liposuction. So I took her to court because she never paid me back like our contract said.
1:04:32 Caleb Hammer? There was a contract?
1:04:33 Speaker 01 Hmm, on the back of a receipt.
1:04:34 Caleb Hammer? I'm glad you did a contract. Then the judge recognized it?
1:04:37 Speaker 01 Yep.
1:04:38 Caleb Hammer? Okay.
1:04:39 Speaker 01 Yep.
1:04:39 Caleb Hammer? There you go. Uh, when was the ruling?
1:04:42 Speaker 01 Ten years ago.
1:04:43 Caleb Hammer? Okay.
1:04:46 Speaker 01 The past is life has been rough. And it's not unruff now, but I'm a little more emotionally mentally prepared to handle it.
1:04:58 Caleb Hammer? Ten years, okay. Okay.
1:05:03 Caleb Hammer? Are you sure you want to continue with the conversation? I don't want you to get, because I know these conversations are hard and I know, you know, my personality when I get very invested and everything is definitely over the top of that's, that's why we try to prepare everyone, but
1:05:16 Speaker 01 I know, that was a, that was an unexpected response on my end.
1:05:21 Caleb Hammer? No, and it's totally okay. I just want to make sure, do you want to finish this? Like we, I wouldn't want to
1:05:26 Speaker 01 Yeah, I do, and I'm, I'm okay with crying. Um, I know that it'll a little bit of the, of your, you know, whatever you got going on here.
1:05:35 Caleb Hammer? I don't think so. No, I just don't want to, I just don't want you to be in a position where you don't, you no longer feel comfortable to be on the show.
1:05:44 Speaker 01 No, I'm, I'm comfortable. I am a pretty open book. I do cry.
1:05:48 Caleb Hammer? It's okay. We had tears on the show.
1:05:51 Speaker 01 Yeah, um, actually in VetMed, there's a medical term epiphora and it means excess tearing. That's like when white dogs get that gross stuff and all my coworkers always tease me that I have epiphora.
1:06:04 Caleb Hammer? Alright, so let's, let's go on.
1:06:06 Speaker 01 Let's get it, let's get it.
1:06:08 Caleb Hammer? I don't know what to call that last thing. I'm going to call that.
1:06:13 Speaker 01 It's Thousand Trails, so I just call it TT.
1:06:16 Caleb Hammer? I call it Utilities Time Chair.
1:06:19 Speaker 01 Okay.
1:06:22 Caleb Hammer? Okay. Uh, what is, so again, this is another thing where we didn't get statements. It looks kind of maybe like an affirm.
1:06:29 Speaker 01 It is a firm. So it's a firm. Um, they are all Amazon because I have an Amazon addiction. I know.
1:06:38 Caleb Hammer? What's your, so, what, oh, what's your?
1:06:42 Caleb Hammer? Are these paying fours? What is it? How, how long do you have these firms financed? Because there's so many options now. Do you know?
1:06:49 Speaker 01 No.
1:06:50 Caleb Hammer? Well, I mean, it looks like you've barely made any progress on them.
1:06:53 Speaker 01 I mean, I'm, I'm
1:06:54 Caleb Hammer? What are you Amazoning? Can you show me your Amazon?
1:06:57 Speaker 01 I sure can.
1:06:59 Caleb Hammer? Okay, seven hundred twenty seven dollars and sixty cents.
1:07:03 Speaker 01 One thing I do have to say on my Amazon is, um, I
1:07:09 Speaker 01 Try to refund issuance failed. Sorry. Um, I try to find um, thing, not only do I do a lot of research before I purchase an item as far as which is the best on Amazon. Okay, I know that doesn't make a whole lot of difference, but I try really hard not to make like frivolous purchases like, you know, perfume or makeup. I don't wear makeup. I don't
1:07:35 Caleb Hammer? Can I see so I can determine that?
1:07:38 Speaker 01 Um, and so I try to just buy stuff that makes my life easier considering my um, physical disability and like just just like stuff like this and stuff like my fidget ring, like those are good for for my mental health and my nervous system. So, but let me make sure there's nothing inappropriate.
1:08:03 Caleb Hammer? Well, it won't be on screen anyway. What are you getting Amazon?
1:08:07 Speaker 01 No, Bella.
1:08:13 Caleb Hammer? Lindsay left. She knew that.
1:08:14 Speaker 01 Yeah.
1:08:16 Caleb Hammer? And that was a little, I think, above me.
1:08:18 Speaker 01 I got you, girl.
1:08:20 Caleb Hammer? Uh, oh, we got the chewy things. We got a little drive. We got, we don't need a wireless charger. Like, that's not a hundred.
1:08:25 Speaker 01 I know. It was on sixty percent off.
1:08:28 Caleb Hammer? Sixty percent off, but we're financing it in the minimum.
1:08:31 Speaker 01 I didn't finance that one.
1:08:32 Caleb Hammer? The minimum monthly payments, either way, if you didn't finance it, you could use that money to pay towards the stuff you already have.
1:08:37 Speaker 01 Right.
1:08:37 Caleb Hammer? We're at a hundred twenty seven dollars a month. This is a firm seven hundred and twenty seven dollars balance.
1:08:41 Speaker 01 Yeah.
1:08:42 Caleb Hammer? What are the interest? Do you know? Because sometimes it's not interest. Sometimes it is depending on the plans you get. And I wouldn't be surprised if they are interest.
1:08:48 Speaker 01 Can you find that on the app?
1:08:49 Caleb Hammer? Uh, probably. Yeah. Okay, well, let's. You ever feel like money just disappears? Even when you're sticking to a budget, it's frustrating, especially when you're only buying the essentials. But what if you could actually get some of that cash back? That's where today's sponsor, Rakuten, comes in, helping you earn when spending on things you already need. So here's how it works. Rakuten has partnered with thousands of stores from big names like Target and Walmart to specialty shops to offer cash back, coupons and promo codes. When you shop through their site or free browser extension, just head to Rakuten, click on the story you need and shop like normal. Rakuten tracks your purchase and sends cash back straight to your account. That's it. No catch, no complicated steps, just cash back.
1:09:34 Caleb Hammer? And with big shopping events like Black Friday and Cyber Monday coming up, it's the perfect time to maximize those savings. If buying holiday gifts or household essentials are already in your budget, Rakuten lets you stick to it while getting a bit of that money back. So you're not just spending, you're also earning a little back, putting a little extra cash towards your financial goals. Plus, when you sign up using the link in the description below, Rakuten's throwing a $40 bonus after your first qualifying purchase. So when you're gonna spend anyways, check out Rakuten and see just how much you can save. Click that link below, claim your $40 bonus and try out Rakuten today. Let's keep looking. Super absorbent, oh.
1:10:12 Speaker 01 Well, cuz I'm fostering that puppy.
1:10:14 Caleb Hammer? Oh.
1:10:15 Speaker 01 So they're puppy pads.
1:10:16 Caleb Hammer? Right. I was thinking lady pads. Okay. We didn't, did we really need a new mouse mat filled with dogs? You know, with dogs on them? I really don't think so. Or maybe, what are the, there's some mat.
1:10:28 Speaker 01 Oh, that's a, that's a washable potty pads.
1:10:30 Caleb Hammer? Okay, you didn't need a ring.
1:10:32 Speaker 01 It's the fidget ring for my.
1:10:34 Caleb Hammer? Fidget with that. Fidget with something else. You have things all, fidget with the, the, the things keeping your overall together, you know? It's like.
1:10:40 Speaker 01 You got a good point.
1:10:41 Caleb Hammer? What do we got? What is this? A recipe?
1:10:44 Speaker 01 No, those are the Mac stickers. To, to let me know. It was like two dollars.
1:10:53 Caleb Hammer? But that's the thing. That's the thing. Am I gonna freak out? Am I gonna freak about only one $2 purchase? No, that is never the thing. When I mentioned the Spotify, it's never about the Spotify itself. It is the behavior, it is the endless stacking of them that can make real progress.
1:11:06 Speaker 01 Right. So.
1:11:08 Caleb Hammer? Can't be lame, actually makes sense. Generator makes sense, solar lights. Okay, well now we're having multiple kind of lights.
1:11:15 Speaker 01 Well.
1:11:16 Caleb Hammer? Security camera?
1:11:17 Speaker 01 So it's a fake security camera, so it just looks like a security camera, so way cheaper. Um, it's because I'm gonna have to live in the alley in downtown Sacramento, which is full of.
1:11:27 Caleb Hammer? Why?
1:11:28 Speaker 01 Uh.
1:11:28 Caleb Hammer? You have this thing that you can't get out of.
1:11:30 Speaker 01 Yes, I know. And you, I could drive somewhere five hours away and get a, get a reservation. But sometimes if you don't reserve soon enough.
1:11:40 Caleb Hammer? Oh, so you have to reserve, so you, you're in a monthly fee that you cannot get out of at a twenty-three percent interest rate with a big loan on it? And you can't even get it unless you reserve it far in advance?
1:11:50 Speaker 01 Not always.
1:11:52 Caleb Hammer? It is stacking up as a worse deal every time, is it not? Come on, it's stacking.
1:11:58 Speaker 01 Facts. Of the fact that those.
1:12:01 Caleb Hammer? Destroy her with facts and logic.
1:12:03 Speaker 01 The, the, that those are all piling against it, but like I said, it made the most sense at.
1:12:12 Caleb Hammer? I get it, I get it.
1:12:13 Speaker 01 Okay.
1:12:15 Caleb Hammer? So I know you couldn't sleep there, but what about, this is, I'm not saying this is the perfect option, it just, you know, it pops in the head. A gym membership where we can shower, where we can charge our phone, where we can connect to wifi. Is that a place you can park forever? No. But that gets us some of that. It doesn't get us water for the trailer, I know, but I'm just thinking.
1:12:34 Speaker 01 Gas stations have that.
1:12:35 Caleb Hammer? I'm thi-
1:12:36 Speaker 01 Water for the trailers. It's next to the air pump.
1:12:40 Caleb Hammer? I didn't even know that.
1:12:41 Speaker 01 I didn't either until like, like.
1:12:43 Caleb Hammer? So I feel like, you know, is that as good? No, but I feel like if we need to really go scrappy, we can.
1:12:51 Speaker 01 I, yes, I would have to put a lot of my things in storage, um, because when, which is fine, I do pay for.
1:12:58 Caleb Hammer? You're crashing with someone, right? And you can't.
1:13:00 Speaker 01 Uh, my mom in a house that is being sold this week.
1:13:04 Caleb Hammer? Okay, well, where's she going to?
1:13:05 Speaker 01 Um, she actually doesn't live there right now.
1:13:08 Caleb Hammer? Oh, you get, you couldn't store it in a family member, so is what you're saying in your stuff?
1:13:12 Speaker 01 Right.
1:13:13 Caleb Hammer? No, really?
1:13:14 Speaker 01 Correct. I don't have, I have my mom and my brother.
1:13:17 Caleb Hammer? I've never used a firm cuz I'm
1:13:20 Speaker 01 We're financially responsible.
1:13:22 Caleb Hammer? Well, no, the thing is, is I think financing things is okay, but you finance it responsibly.
1:13:27 Speaker 01 Right.
1:13:30 Speaker 01 Oh, that's what I was saying.
1:13:31 Caleb Hammer? Oh, we're at thirty-five percent interest rate on all these.
1:13:35 Speaker 01 That's not good.
1:13:36 Caleb Hammer? We can't be doing this anymore. You're paying thirty-five percent on your Amazon purchases.
1:13:40 Speaker 01 Yeah.
1:13:41 Caleb Hammer? We don't do that. Come on, you're making your situation worse.
1:13:45 Speaker 01 I, I, I.
1:13:46 Caleb Hammer? You are making it legitimately. You're making it harder for you. There's no point.
1:13:51 Speaker 01 No. More screenshots cuz you don't know how to do a statement.
1:13:57 Caleb Hammer? Yes.
1:13:59 Speaker 01 So there were, before I knew how to get to the full Credit Karma report, I sent the screenshots of the Credit Karma report. Okay.
1:14:06 Caleb Hammer? Whoa, whoa, whoa.
1:14:07 Speaker 01 Whoa, whoa, whoa. I've got lots of collections, bro.
1:14:10 Caleb Hammer? Oh.
1:14:11 Speaker 01 When I say those, those.
1:14:13 Caleb Hammer? You're never gonna qualify for a home again.
1:14:15 Speaker 01 Exactly why I said I can't rent and I can't buy.
1:14:19 Caleb Hammer? You can find landlords that'll overlook some things. Big corporations, no.
1:14:25 Caleb Hammer? Actually, I don't know the statistics on the majority of small time versus big time, but either way. But qualifying for a mortgage, absolutely. This would be, this would be kill.
1:14:35 Speaker 01 Own a home again. That was not great.
1:14:38 Caleb Hammer? Collections, eight thousand five hundred ninety-three, and it was on a credit line of seven thousand five hundred. So why, we just didn't pay this? Why? It's been on here for four years. So four years ago, well, we know what happened four years ago. Is that when we stopped paying?
1:14:50 Speaker 01 That was when we made the purchases.
1:14:53 Caleb Hammer? Uh huh.
1:14:55 Caleb Hammer? Oh, that's when it opened. Sorry, four years ago.
1:14:59 Caleb Hammer? I've only been in collections for a year.
1:15:00 Speaker 01 Uh huh. Oh, so that was.
1:15:02 Caleb Hammer? It's gonna take forever to fall off.
1:15:03 Speaker 01 Is that Fortiva or Vivint or something?
1:15:05 Caleb Hammer? Apple?
1:15:06 Speaker 01 Oh, that's my Apple card. Yeah. So I racked that up and then couldn't make the payments, so I didn't. I was in a rough spot.
1:15:17 Caleb Hammer? Did you call them and ask if they would lower the interest rate?
1:15:20 Speaker 01 No. I didn't open my mail for a year and I wanna buy the, because brains are, I know. I'm, like I said, I'm in full-time therapy. I'm working on stuff. Okay.
1:15:35 Caleb Hammer? Okay. Maybe I need to be educated on this part. What prevents us from opening the mailbox?
1:15:42 Speaker 01 Um.
1:15:43 Caleb Hammer? Anxiety, sure, I bet of what's in there, but we can. You know, the anxiety gets worse if we don't confront what's in it.
1:15:49 Speaker 01 I know it does. Kind of like my big pile of shit I have to take care of that I haven't touched in a very long time.
1:15:56 Caleb Hammer? I don't know what that is.
1:15:57 Speaker 01 It's literally a box full of just paperwork that I need to look at and do things. And it's so daunting and scary that I just.
1:16:07 Caleb Hammer? But this was a mobile app. This wasn't open in mail, so.
1:16:09 Speaker 01 Right, right, right. So that was, um, the Apple card was just me not doing well and not calling them was a matter of
1:16:18 Speaker 01 not doing well. I should have. I mean, I.
1:16:21 Caleb Hammer? Well, here's another collection, seven hundred and forty. It was synchrony.
1:16:26 Speaker 01 Synchrony.
1:16:27 Caleb Hammer? Oh. Go for fuck's sake.
1:16:34 Speaker 01 That's my Costco card.
1:16:36 Caleb Hammer? How'd you get to twenty two thousand nine hundred and ninety one dollars on Costco? What did you possibly do? How many times did you fill up your trailer with Costco gas?
1:16:42 Speaker 01 That was before I owned my trailer. Um, that was.
1:16:47 Caleb Hammer? Income.
1:16:48 Speaker 01 Yeah, I'm pretty sure that had part of the concrete.
1:16:54 Caleb Hammer? Oh, and the Costco card? You're putting the concrete. So it wasn't even spending money you had? You're putting on high interest rate credit cards?
1:17:02 Speaker 01 I think seven grand in cash.
1:17:03 Caleb Hammer? When you were borrowing, did you have any intent to ever pay it back? Or were you just opening, spending, and you knew you weren't gonna touch it?
1:17:09 Speaker 01 That's a great question.
1:17:10 Caleb Hammer? Do we have an answer to my great question?
1:17:12 Speaker 01 No. If I remembered.
1:17:16 Caleb Hammer? It was only a couple of years ago.
1:17:18 Speaker 01 Uh huh.
1:17:20 Speaker 01 Manic episodes are weird.
1:17:24 Speaker 01 And now it's less of a that issue, more of a impulsivity issue.
1:17:31 Caleb Hammer? Uh huh. What you can work with a therapist on.
1:17:33 Speaker 01 Yeah.
1:17:34 Caleb Hammer? For coping. I'm just like. Wait, why did you come on the show?
1:17:38 Speaker 01 Um, because I don't know where to go from here.
1:17:41 Caleb Hammer? But I think you're very determined. Like, you're immediately, I can't do anything because of all these mental health things. Everything is, I can't do it because of this mental health thing.
1:17:48 Speaker 01 It's not, I can't.
1:17:49 Caleb Hammer? I can't do anything about that.
1:17:50 Speaker 01 It's so hard.
1:17:51 Caleb Hammer? But I can't do anything about that.
1:17:52 Speaker 01 I know. No, no, no. Um. Like as far as the the looking for income?
1:17:57 Caleb Hammer? I don't know your mental health. I don't know what's real. I don't know what you've been working on. I don't know the history. I can't do anything about that.
1:18:03 Speaker 01 Right.
1:18:03 Caleb Hammer? So if nothing could be done because of the mental health, what can I do?
1:18:07 Speaker 01 But it it, what do you mean it? Nothing can be done?
1:18:10 Caleb Hammer? It just feels like almost every time we talk about something that's can't, or this is because.
1:18:16 Speaker 01 Well, cause these were all, all the debt.
1:18:20 Caleb Hammer? But even the stuff we talked about today, doing, it's just like, mental, okay.
1:18:25 Speaker 01 Like what? Can you give me a?
1:18:26 Caleb Hammer? I don't, it's been a long conversation. I don't remember, but I've, I've, you know, I don't know. We've been sitting down for an hour twenty one so far.
1:18:33 Speaker 01 Holy.
1:18:34 Caleb Hammer? Yes.
1:18:35 Speaker 01 My bad.
1:18:36 Caleb Hammer? It's okay. It's okay. I'm gonna get you connected with a domain money financial advisor. I'm gonna get you their free session. We'll get you that. Actually, I think, so everyone out there who uses my link, they uh get, you get a free thirty minute session with them. Like a licensed financial advisor who will sit down, look for your stuff, highly recommend it. That's good. We're gonna get you connected with them. I'll get you connected with uh a free certificate through CourseCareer so we can help you find a job. Like you, maybe we can boost your customer service part of your resume with a customer service certification, so you can look at customer service management. So we'll gift that to you. You know, we have a lot of resources we can do. We can, we'll give you all three of our classes, which are bundled together for twenty five percent off without you guys.
1:19:18 Caleb Hammer? You know, I gotta give you a little plug, but it's always, it it is actually worth it. We've had ten thousand people take our stuff and they've literally changed their lives and you'll get it for free. So I need you to go through all this, cause what I'm worried about here is can't, mental health, it's just like, yeah, that's what you gotta deal with.
1:19:33 Speaker 01 Right.
1:19:33 Caleb Hammer? And the best that I might be able to do is connect you with resources.
1:19:36 Speaker 01 Right.
1:19:36 Caleb Hammer? I don't know much what else, but okay, twenty two thousand nine hundred ninety one on Costco, concrete, sounds like.
1:19:43 Speaker 01 And I don't really know what collections.
1:19:46 Caleb Hammer? Cube Center, is this not storage?
1:19:48 Speaker 01 They sued me.
1:19:49 Caleb Hammer? Who? Well, yeah, that makes sense. They want their twenty two thousand.
1:19:52 Speaker 01 I know.
1:19:52 Caleb Hammer? And that actually might be a number worth suing someone over, cause all of them can sue you.
1:19:56 Speaker 01 Yeah, I know.
1:19:57 Caleb Hammer? Uh, but usually it's just not worth it. That number might be worth it.
1:20:00 Speaker 01 But I don't know how to. Do like I like I did that thirty minute consultation thing or whatever with a
1:20:07 Caleb Hammer? With what?
1:20:08 Speaker 01 With a legal person.
1:20:09 Caleb Hammer? Okay.
1:20:11 Speaker 01 This, this was April.
1:20:14 Caleb Hammer? Okay.
1:20:16 Caleb Hammer? Consequences actually could come a knocking.
1:20:19 Speaker 01 Yeah. And, uh. Yeah, they're supposed, there's apparently I have, I can request for.
1:20:28 Caleb Hammer? This might be a bankruptcy situation.
1:20:30 Speaker 01 Credit scores are fake.
1:20:32 Caleb Hammer? Okay, sure.
1:20:34 Speaker 01 Just like BMI, just like BMI credit scores.
1:20:37 Caleb Hammer? Sure, whatever. I don't care.
1:20:43 Speaker 01 I don't think my credit score is horrible, but I know that my. Six thirty eight.
1:20:49 Caleb Hammer? I almost don't believe that, but okay.
1:20:51 Speaker 01 I know. Once everything went to collections.
1:20:55 Caleb Hammer? To save yourself from a lot of the stuff. Bankruptcy might be an option because that one is an actual legal thing that could.
1:21:01 Speaker 01 Yeah.
1:21:02 Caleb Hammer? It really could.
1:21:03 Speaker 01 My only concern with bankruptcy is losing my car.
1:21:07 Caleb Hammer? Uh, no, you should, I think you can, you'll be, I, well, you know, meet with a bankruptcy attorney. You can figure it out, but many times you can go through and you'll be okay.
1:21:15 Speaker 01 Yes, this is my storage unit and I split it with my mom.
1:21:18 Caleb Hammer? The trailer, I'm curious about that. They might, they might take a look at it, but.
1:21:22 Speaker 01 Cause my trailer is only seventeen feet, so it's real small. So that was actually what I was gonna say at one point is.
1:21:28 Caleb Hammer? And five animals are gonna live in there soon?
1:21:30 Speaker 01 The puppy is this big.
1:21:32 Caleb Hammer? Okay.
1:21:32 Speaker 01 And then it's three cats and one dog.
1:21:34 Caleb Hammer? Okay, the cats, it should be fine.
1:21:36 Speaker 01 Yeah.
1:21:36 Caleb Hammer? They don't know.
1:21:37 Speaker 01 And we've all, we've all lived in the trailer before together and you know, my dog spends most of her time outside with me and that's being in the trailer.
1:21:47 Caleb Hammer? Just because they've done it though, doesn't mean it's good. The dogs have, the, you know, when I drive downtown, there's, you know, decent amount of homeless people here. And they have dogs, their, their dogs have been doing it. Doesn't mean it's good, mean it's good.
1:21:58 Speaker 01 My dog goes to the river every day. She. Yeah, like when we're, when we're camping, she has a much better life than when we're stuck in the city.
1:22:06 Caleb Hammer? But I also know, sure, I also know my main thing is it's a. Um, the food, food security for the dog, being able to afford pet insurance. If you can't afford pet insurance, then you probably can't afford an animal. And if you, I want to, we need to make sure they have good places to cool off if they're being active, uh, oftentimes indoors and a hot place like Sacramento's in, uh, pretty Sacramento is kinda hot, right?
1:22:29 Speaker 01 Toasty.
1:22:29 Caleb Hammer? Exactly. So we need to make sure they have good condition AC. And then if it does get cold in the winter or night, we need to make sure they have heat.
1:22:36 Speaker 01 Have that as well.
1:22:37 Caleb Hammer? Okay. Yes. And I know you have that part.
1:22:38 Speaker 01 Yes.
1:22:39 Caleb Hammer? But this is like, a certain part, if we can't afford certain things, I'm like, okay, we probably can't afford pet insurance, which means an animal die, will die if they get something done to them. I was able to save my animal's life because I'm very blessed and I have pet insurance. It costs thirty thousand dollars. I didn't pay anywhere close to that.
1:22:53 Speaker 01 Right.
1:22:54 Caleb Hammer? Cause she had to go into two surgeries and multiple things to save her life. But I did not have pet insurance and if I wasn't in such a blessed position, she would literally be dead because it's not like the habeas corpus type with animals, right?
1:23:05 Speaker 01 Right.
1:23:06 Caleb Hammer? Like they will die.
1:23:07 Speaker 01 Yes. And I am, I, I am a registered vet tech.
1:23:10 Caleb Hammer? Uh, so you can't do a surgery.
1:23:13 Speaker 01 However, I do have a lot of resources within the veterinary community.
1:23:18 Caleb Hammer? And you're good with the preventative as well. You're better at that. You know what to look for. So, I mean, you might be able to get them to a situation before surgery is required.
1:23:25 Speaker 01 Right.
1:23:25 Caleb Hammer? You know, so like, trust me, I get it. I get it. It's just like.
1:23:29 Speaker 01 And when I moved into the trailer, a lot of people told me, get rid of them. Not happening.
1:23:34 Caleb Hammer? Well, cats, I don't really like, they, they, they don't know anything.
1:23:37 Speaker 01 Yeah.
1:23:38 Caleb Hammer? They're just like, yeah, I mean, they exist. That's what they're. No, well, sure. Love for you feeding them.
1:23:45 Speaker 01 Yeah, some, some cats.
1:23:46 Caleb Hammer? If they were a size of a dog, they would kill you, but.
1:23:50 Caleb Hammer? That is.
1:23:51 Speaker 01 What is, yes, storage.
1:23:54 Caleb Hammer? Okay, so you already pay for storage?
1:23:56 Speaker 01 Yeah.
1:23:57 Caleb Hammer? So why was our big concern needing to get storage?
1:23:59 Speaker 01 No, it was putting the stuff in the storage unit I already own. Because when I move my trailer, like when I tow it, I have to put all of the things that go outside inside the trailer.
1:24:09 Caleb Hammer? Is this finance or is this the bill?
1:24:10 Speaker 01 That's a bill, monthly bill.
1:24:11 Caleb Hammer? Okay. So it's a monthly bill. Well, I'll, I'll put this aside. So we put it in your budget then.
1:24:15 Speaker 01 Cool.
1:24:15 Caleb Hammer? Okay. So these are student loans?
1:24:17 Speaker 01 Yes.
1:24:18 Caleb Hammer? Okay. A lot of them are.
1:24:21 Caleb Hammer? Yeah, income base, which actually makes sense.
1:24:25 Speaker 01 Yeah.
1:24:26 Caleb Hammer? A lot of people are on.
1:24:26 Speaker 01 Did the income base get approved? Can you tell that by that? I have no idea, because I applied.
1:24:30 Caleb Hammer? So you might be in the application period and it might be on hold because a lot of it's been challenged in court. Also, who knows if the new Department of Education, we just had an election, who knows if the Department of Education will even allow those kind of repayment statuses?
1:24:40 Speaker 01 Oh, sick.
1:24:41 Caleb Hammer? So we'll know. It's kind of up to the department head. A lot of it, they're given a lot of authority when that, they might not do any kind of forgiveness, any kind of things like that, so you...
1:24:50 Speaker 01 When I was paying my student loans, I was paying more than the minimum payment.
1:24:55 Speaker 01 Barely, but a little more.
1:24:57 Caleb Hammer? Student loans, twelve thousand four hundred four.
1:24:59 Speaker 01 Okay. Not the worst, right? Not great.
1:25:03 Caleb Hammer? Well, just to your point earlier, the reason I always push back on that, but is it the worst? No, technically, there is probably only one the worst in the entire world, and whoever's going through the worst right now is that person.
1:25:17 Speaker 01 Yeah.
1:25:18 Caleb Hammer? You know? Probably a child in Yemen or something, I don't know.
1:25:21 Speaker 01 I'm just glad I don't have like...
1:25:22 Caleb Hammer? But just because of that doesn't mean this is good.
1:25:24 Speaker 01 Right. I'm just glad I don't have like sixty-five grand in student debt, you know?
1:25:27 Caleb Hammer? I get you.
1:25:28 Speaker 01 Yeah.
1:25:28 Caleb Hammer? Twelve thousand four hundred four dollars. Oh, the interest rates are pretty mid, they're whatever.
1:25:34 Speaker 01 Got me a license I can't use anymore, yay.
1:25:38 Caleb Hammer? Well, maybe Remo, I don't, who knows? Maybe you can, I don't know, man. It's hard.
1:25:45 Caleb Hammer? It would be hard to hire you for that job, it would.
1:25:47 Speaker 01 Yeah.
1:25:47 Caleb Hammer? If we have limited resources at a veterinary clinic, am I going to hire someone who can't bend over?
1:25:51 Speaker 01 Exactly.
1:25:52 Caleb Hammer? Probably not.
1:25:53 Speaker 01 Yeah.
1:25:54 Caleb Hammer? Okay, and then, okay, we have a wifi pass that actually makes sense for your spending in your checking account. You have a thousand three hundred in there. Amazon, we looked through Amazon, I would say it was about, there are some needs in there, and I'd say it's like kind of fifty-fifty, I don't, do you really need this or not?
1:26:07 Speaker 01 Right.
1:26:09 Caleb Hammer? I don't know, three hundred to who, to where? Then went out three hundred for what?
1:26:14 Speaker 01 Oh, it.
1:26:15 Caleb Hammer? You don't make.
1:26:16 Speaker 01 I know.
1:26:16 Caleb Hammer? You barely make that much.
1:26:17 Speaker 01 Birthday and I got a tattoo.
1:26:20 Caleb Hammer? Oh, for fuck's sake, I'm sorry. You don't get to have the whole birthday month, the whole.
1:26:24 Speaker 01 So here's what happened. Here's what happened. I actually booked. I booked the tattoo point in an impulsive flash decision and I booked it for a lot more tattoos. And then I finally was like, hey, girl, I'm so sorry. That was a mistake on my part. I still want to work with you because I put in this deposit and whatever, but I'm going to bring that down.
1:26:46 Caleb Hammer? Ugh.
1:26:47 Speaker 01 Half the amount.
1:26:48 Caleb Hammer? Should have been like, hey, girl, I'm gonna lose my car in a couple of months. Can I not get a tattoo?
1:26:53 Speaker 01 It's cute.
1:26:54 Caleb Hammer? Take. Is it that one?
1:26:55 Speaker 01 No, no, it's on my leg. It's a possum and some cats.
1:26:59 Caleb Hammer? Okay, and there's storage and there's Apple and go inside a gas station and getting something.
1:27:05 Speaker 01 What?
1:27:05 Caleb Hammer? Probably. Five dollars from Winco, five forty-six. I doubt that's gas.
1:27:09 Speaker 01 Oh, no, Winco. I got a pack of granola bars and some rice.
1:27:16 Caleb Hammer? Okay, okay, blue firefly.
1:27:19 Speaker 01 Don't know what the fuck that is.
1:27:21 Caleb Hammer? Looks like a vending machine or something. Something on Facebook. Why are you paying ten dollars and sixty cents on Facebook?
1:27:28 Speaker 01 Those were Facebook ads.
1:27:29 Caleb Hammer? What are you Facebook adding?
1:27:31 Speaker 01 So I do.
1:27:32 Caleb Hammer? Please give me a place to live.
1:27:34 Speaker 01 So I do the admin stuff and I had a wild hair and I was like, I'm gonna make my admin page. And then I pay for ads and I don't know why.
1:27:46 Caleb Hammer? Did you cancel it?
1:27:48 Speaker 01 I did.
1:27:48 Caleb Hammer? Good.
1:27:49 Speaker 01 Yes, I did.
1:27:51 Caleb Hammer? Okay, more truck thing. Camp away truck accessories.
1:27:54 Speaker 01 Right, because my roof rack broke.
1:27:55 Caleb Hammer? The trail place, the trail place. Went to a restaurant there.
1:28:00 Speaker 01 What restaurant?
1:28:00 Caleb Hammer? Uh, La Palisita Tequila.
1:28:04 Speaker 01 Oh, yes, I was about to faint, so I needed food. I got like a taco.
1:28:08 Caleb Hammer? Well, now you have a granola bar, so no more of that. Length and premium makes sense for your situation. You're looking for a job. Amazon store rocking, orabloom.com, affirm, affirm, what?
1:28:20 Speaker 01 Aura Bloom is, um. It's a monthly surprise crystal subscription.
1:28:25 Caleb Hammer? Okay, cancel it, cancel it. Go roll around in some rocks. You live outside, roll around in some rocks.
1:28:30 Speaker 01 Isn't it pretty though? It's pretty. I know.
1:28:33 Caleb Hammer? It's fine. Don't, you can't. I mean, you're gonna lose your car. And you lose your car and you're done. You can't move the, or you can't move. Come on.
1:28:42 Speaker 01 My, my car is my.
1:28:43 Caleb Hammer? This is not, this is not a joke anymore. You cannot have a crystal subscription. This is literally not an option for you. It really isn't. Same with the, an Nintendo subscription, we can't have that.
1:28:54 Speaker 01 It was, I bought Nintendogs for two dollars.
1:28:56 Caleb Hammer? We can't do that. You have a real dog to take care of and you're not getting him pet insurance. So we're not getting a virtual dog, okay? Apple bill, a Rover pet service fee, and then.
1:29:05 Speaker 01 That was a background.
1:29:06 Caleb Hammer? Yelp, fifty one dollars on Yelp?
1:29:08 Speaker 01 That is actually in, uh, claims right now. So they are, yeah.
1:29:13 Caleb Hammer? But with checking it with debit cards, that is fucking hard. They don't really care. It's your money. Okay. No, after pay, we're after paying as well.
1:29:21 Speaker 01 That, yes, yes, yes. That is paid off now.
1:29:23 Caleb Hammer? You have so many in-apple things. What are you getting? Subscriptions or what? What are you doing?
1:29:28 Speaker 01 I have iCloud and, um, Apple Pay or, uh, Apple Care. Those are, those should be, those should be the only two Apple charges.
1:29:36 Caleb Hammer? Can you, uh, it's, Apple Care, it's such a good. Spend one month of Apple Care and just get an indestructible case.
1:29:45 Speaker 01 Like, that's, that Apple Care covers theft as well.
1:29:48 Caleb Hammer? I know, I know. That's why I'm so, I'm so split on the fence. You literally just, subscriptions in your life is just impossible. But also getting a new phone is impossible. Is it a finance phone?
1:30:00 Speaker 01 Uh huh. I got eight hundred dollars off.
1:30:05 Caleb Hammer? Amazon. Talk about McDonald's, Amazon, more firm.
1:30:08 Speaker 01 Taco Bell, McDonald's, I try to keep below like five dollars.
1:30:11 Caleb Hammer? Yeah, you can't do that. You bragged about having a kitchen in your little thing. Cool. You're getting like the cheapest. That you can get that doesn't kill you.
1:30:19 Speaker 01 I ate a lot of carbs, rice, pasta, all the dry stuff.
1:30:23 Caleb Hammer? I don't think we get to spoil ourselves if we're going to lose the only reason why we're still alive and be able to work. We don't get to get McDonald's, even if we're doing value menu. We really don't.
1:30:33 Speaker 01 I don't know how to eat healthy on a budget either.
1:30:36 Caleb Hammer? Well, follow our meal plan, follow our meal plan.
1:30:38 Speaker 01 Oh, you have a meal plan?
1:30:39 Caleb Hammer? We have a meal plan. This is again, more resources.
1:30:41 Speaker 01 Cool, cuz my doctor told me, told me you need to eat better, uh, not like.
1:30:46 Caleb Hammer? Well, you're listening to your therapist about not ever being able to get a job again. Maybe you're listening to your doctor as well.
1:30:51 Speaker 01 Yes, I have an appointment with a nutritionist.
1:30:52 Caleb Hammer? Hundred sixteen dollars and cash app account. Who are you sending cash app to? Cash app, cash app, cash app.
1:30:57 Speaker 01 I shuffle money around.
1:30:59 Caleb Hammer? So you're sending a lot of money on a cash app, okay.
1:31:02 Speaker 01 But I don't spend money on the cash app. Besides recently when I purchased, because I had to cancel my card because of that Yelp charge. Um, I had to use my cash app debit card to buy Amazon. Which was the generator, which is necessary.
1:31:17 Caleb Hammer? Venmo, uh, some out, some out.
1:31:22 Caleb Hammer? Whoa, investments. Not what I, not would have expected this.
1:31:25 Speaker 01 Thank you, I think.
1:31:26 Caleb Hammer? This is different.
1:31:29 Caleb Hammer? Whoop, this based on your situation, it's just.
1:31:32 Speaker 01 Hey, man, if it comes out of my paycheck before the paycheck gets to me, it's not my money.
1:31:36 Caleb Hammer? Don't do that anymore.
1:31:38 Speaker 01 Why?
1:31:39 Caleb Hammer? You have twenty-three percent interest debt. You're getting ten percent a year on average if this is in the S and P five hundred. Doesn't make sense to be putting it towards this.
1:31:47 Speaker 01 Oh.
1:31:47 Caleb Hammer? If you have twenty-three percent debt, which you have on that.
1:31:50 Speaker 01 Yeah, that's why I'm here.
1:31:53 Caleb Hammer? Well, there you go. You learned.
1:31:54 Speaker 01 Yeah.
1:31:54 Caleb Hammer? Eleven thousand hours in this one, four thousand hours in that one, eleven thousand hours in this one.
1:32:00 Speaker 01 That should be the same one as the first one.
1:32:02 Caleb Hammer? Damn it.
1:32:03 Speaker 01 I know.
1:32:03 Caleb Hammer? Something tells me you're gonna get pushed to a point though, very soon, and you're gonna be withdrawing from this.
1:32:08 Speaker 01 I don't know how to do that.
1:32:09 Caleb Hammer? You'll figure it out. They always do.
1:32:12 Speaker 01 Okay.
1:32:13 Caleb Hammer? I've had him on my show. You won't, but you're not gonna lose your car.
1:32:17 Speaker 01 I'm not, which I.
1:32:19 Caleb Hammer? The tree that you live next to is not gonna give you money. And also you're gonna see that eleven thousand dollars.
1:32:26 Speaker 01 Uh huh, I. My family, the two family members that I have. Back me up when I need it, which I know is a problem. I owe my brother thirty five hundred. My mom, because my credit card or because my debit card was frozen, she had to pay for the flights to get here, so I owe her a little bit of money.
1:32:48 Caleb Hammer? How much was that? We give her reimbursement?
1:32:50 Speaker 01 Yeah, yeah, yeah. So when you reimburse, I'm gonna reimburse her. Yeah.
1:32:53 Caleb Hammer? So what do you owe to them?
1:32:55 Speaker 01 To my brother, thirty five hundred.
1:32:57 Caleb Hammer? Yeah, we got that. Yeah, yeah.
1:32:58 Speaker 01 To my mom, she always tells me I don't have to pay her back besides these flights.
1:33:02 Caleb Hammer? Oh, besides the flights?
1:33:03 Speaker 01 Yeah.
1:33:04 Caleb Hammer? Just give me the flights then.
1:33:05 Speaker 01 Uh, six hundred.
1:33:06 Caleb Hammer? Okay.
1:33:07 Speaker 01 Yeah. She has shuffled me about five grand this year.
1:33:10 Caleb Hammer? If she doesn't want it back, you are gonna accept that.
1:33:12 Speaker 01 Okay.
1:33:13 Caleb Hammer? It's a gift. Anything else, apparently?
1:33:16 Speaker 01 To owe to people?
1:33:18 Caleb Hammer? Let's figure out what you need to survive.
1:33:21 Caleb Hammer? You.
1:33:24 Caleb Hammer? Cause even if we got.
1:33:25 Speaker 01 Organize that so bad.
1:33:27 Caleb Hammer? Even if we put you in like, can, like. Not a hostel, uh, what's it called? Does somebody, there's some, ah, but then your pets, you won't give them. Cause the thing is, we can get you a bed in a place and that can act as a permanent residence, leading you to a better chance of getting a. You know, whatever else instead of a permanent residence, that can lead you to a better chance of getting an in-person job. Like, we could do that, but I feel like you're not willing to do that.
1:33:50 Speaker 01 Where am I gonna put my dog? For an in-person job. She has severe anxiety, separation anxiety, and she ate through my door.
1:34:01 Speaker 01 She's on medication.
1:34:03 Caleb Hammer? I'm not, I'm not, I'm not. This is not hating you. This is not hating you. This is not against you. This is not. I feel like.
1:34:11 Caleb Hammer? Madame Jake and Madame Lindsay.
1:34:15 Caleb Hammer? I mean, I feel like this is nothing that can be done. It's just every time there's anything, it's like, but we can't because of this and there's nothing that can be done. Literally, you can't work. One second, one second, one second. Sorry. I'm just trying to think out loud. You can't work a job because of your dog separation anxiety. At that point, you are not going to survive in society and there is no budget I can make. There's no budget I can make in that situation because I'm going to make it on you depending to get a job. You can't.
1:34:42 Speaker 01 How have I had a job for a year?
1:34:44 Caleb Hammer? You got a remote job, but again, it is
1:34:48 Speaker 01 Which is the third
1:34:48 Caleb Hammer? One second. And we, and we improved your resume, but every single year from those three, uh, three remote jobs you've had, every month it is getting more competitive to get a remote job. More people are getting laid off in tech and everyone wants a remote job. You are competing with the top of the top of the top. And I'm not saying you can't compete, but it is becoming beyond more incredibly hard. In person is what gets you an income next week. Remote job could get you an income six months in a year, maybe. And we did the resume tweak, so I'm sorry. Again, I want you to, I'm going to connect you with all the resources, everything we have. It makes no sense for me to spend my time, the audience's time, their time, especially since we've been recording for an hour forty, which is okay.
1:35:31 Caleb Hammer? But there's no point of spending that time to build this because you're not going to do that because every single time there is a reasonable solution. It's, I can't do it because of this thing. The dog thing, come on. At that point.
1:35:40 Speaker 01 That was a question. It's not, I can't do it. It was, what should I do?
1:35:45 Caleb Hammer? You might have to have them with a family member for a year or something. You might have to have them work with a trainer. Once you are have a job and you can afford it. You might have to surrender the dog if you cannot survive as a human being, because you do have to survive. If you're not able to survive, they're not able to survive. And I know that's hard. I love my dogs more than anything and well, not more than anything. I guess I love my family more. If I have to rank, but it's pretty damn close. Okay?
1:36:12 Speaker 01 They are family.
1:36:12 Caleb Hammer? Exactly. They are family. And I'm just thinking like mom, dad, like, love you guys too. I don't want to think
1:36:18 Speaker 01 Love you mom.
1:36:19 Caleb Hammer? I don't want them to think they're less important if they're watching.
1:36:23 Caleb Hammer? But I get, I get it. And I get the emotions you're feeling because of that. But there might just be after very hard life choices we are making so that you have a chance to survival. If you're not willing to make them, I don't know how you survive. I really don't. Okay.
1:36:37 Speaker 01 Yeah.
1:36:38 Caleb Hammer? Coming to the post show, guys, I think we're gonna talk about even more stuff. The producers know everything about our life and they're gonna talk about things. It's gonna be, it's gonna be interesting. Uh, and make sure to get our investing, budgeting and debt class all together for 25% off. Your hammer financial score spending in a budget, I mean, you overspent your income easily, just even with minimum to payment. So zero out of 10 debt, if collections zero out of 10, emergency fund, zero out of 10. Your, your, your score's not gonna be a zero out of 10. If you thought, I mean, you said the score was unreasonable, but you must not have taken the thing.
1:37:10 Speaker 01 I did take the thing.
1:37:11 Caleb Hammer? And it said zero?
1:37:12 Speaker 01 Uh huh.
1:37:12 Caleb Hammer? You have retirement, so you should have at least got a, I'll take a look at that afterwards.
1:37:15 Speaker 01 Okay.
1:37:16 Caleb Hammer? The algorithm there. But your retirement is a behind for your age, absolutely, but you are getting started and there is something in there and it's moving in right assets. Two out of 10. And then real estate now is zero out of 10, because I'm sorry that it's not considered real estate.
1:37:27 Speaker 01 I understand that.
1:37:28 Caleb Hammer? It is not. That's gonna be a hammer financial score rounded up, maybe because I have more of a heart than an algorithm. Point five out of 10. Guys, stick around for the post show. I already have a feeling it's gonna be a good one. Do you pay your taxes?
1:37:43 Caleb Hammer? Are you kidding me?
1:37:44 Speaker 01 It was not perfect.
1:37:45 Caleb Hammer? Are you actually kidding me?
1:37:46 Speaker 01 Kept resubmitting it, kept getting hit back, so I just quit.
1:37:51 Speaker 01 And then I haven't done it since.
1:37:56 Caleb Hammer? When is the last 25 taxes?
1:38:02 Caleb Hammer? To watch the financial audit post show, click the join button below.
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