Pod Insights Financial Audit Okay, I Think I’m Done… | Financial Audit About this episode ▶She's out there BEEFING with NFL players and famous streamers... WTF IS THIS LADY- you need to watch the post show- watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW*
▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5
Try Rocket Money for free: https://RocketMoney.com/caleb
Visit https://get.step.com/rM7X/caleb and sign up using the code “CALEB” for $5 free in your account upon opening. #StepPartner
Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer
▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay
▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join
___________________________________________
▶EDUCATION:
1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/
2. *The best budgeting program online: https://calebhammer.com/budget
3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing
4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula
5. Everything you need for buying your first home to buy your first investment property:
https://calebhammer.com/realestate/
6. Get your own free Hammer Financial Score: https://www.calebhammer.com
___________________________________________
▶RESOURCES
1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link
2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer
3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb
4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer
5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad)
6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/
7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/
9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb
All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 16,209 words · 7 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:01 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive, save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.
0:28 Speaker 01 As wish lists grow, you know where to go. Head to Ulta Beauty. We have gifts they'll love from brands like Tato One and Rare Beauty by Selena Gomez. Shop beauty faves to give or keep from Shark Beauty, Sol de Janeiro, and more. Not sure what they want? You can't go wrong with Balmain, Clinique, or Redken. And don't forget to put yourself on the list. Book a salon moment or add a little more sparkle to your season. Shop holiday in store or at Ulta.com. Ulta Beauty.
0:55 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube. What the [bleep] do you need for me to be able to have this conversation with you?
1:01 Speaker 03 If I had your birth card in front of me, I could read you the filth, but right now I don't.
1:05 Caleb Hammer? You scam people out of money. You're a scammer. I'm gonna call it as I see it.
1:08 Speaker 03 Absolutely not.
1:09 Caleb Hammer? I don't give a [bleep]. Obviously, you're a complete [bleep] up.
1:12 Speaker 03 I am not a [bleep] up. And how dare you tell me that I'm a [bleep] up?
1:15 Caleb Hammer? You called your own agency a Ponzi scheme.
1:20 Caleb Hammer? Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.
1:34 Speaker 03 My name is Star. I'm 40 years old. I'm from Phoenix, Arizona, and this is Financial Audit.
1:41 Caleb Hammer? Want to do it again?
1:41 Speaker 03 Yeah.
1:42 Caleb Hammer? Go for it.
1:43 Speaker 03 This is, uh...
1:48 Speaker 03 God, why am I having like a brain fart right now? My bad. I'm so sorry.
1:52 Caleb Hammer? You know what? We'll just leave that and we'll start. That's okay. Thanks for coming. I appreciate it. That's, uh... Have a good start. What do you do in Arizona for a living?
2:03 Speaker 03 I am a social media manager.
2:08 Caleb Hammer? Okay, short and sweet, to the point. In what kind of industry do you want to give anything?
2:14 Speaker 03 On TikTok.
2:17 Caleb Hammer? For a company or for yourself?
2:19 Speaker 03 For an agency.
2:21 Caleb Hammer? Okay, well, these are gonna be very period answers, I can tell.
2:26 Speaker 03 Period!
2:27 Caleb Hammer? Okay, what are you making?
2:29 Speaker 03 Um, it varies. I'm on commission.
2:31 Caleb Hammer? What's the commission structure? How do you make commission? That's what how people would normally answer a question like that?
2:35 Speaker 03 So it depends on how well my creators do. So if there's a threshold.
2:42 Caleb Hammer? So do you create shorts for creators?
2:44 Speaker 03 No, I, they're live streamers.
2:47 Caleb Hammer? Okay.
2:47 Speaker 03 So based on how well they do, that's what my take home is.
2:52 Caleb Hammer? How do you help them do better?
2:54 Speaker 03 So I make sure they're in the community guidelines if they get suspended.
3:00 Speaker 03 You'll be surprised.
3:02 Caleb Hammer? Well, I do kind of do this for a living. Go ahead, keep going.
3:06 Speaker 03 Um, put them in campaigns, encourage them to get over the the roadblocks, um, things like that.
3:12 Caleb Hammer? Roadblocks?
3:13 Speaker 03 Yeah, some of them get burnt out being live streamers.
3:17 Caleb Hammer? Wow, I wish I had your job. Okay, how much do you make? No offense, but that's an easy job.
3:23 Speaker 03 I make 3%.
3:25 Caleb Hammer? Of their earnings?
3:26 Speaker 03 Yeah.
3:27 Caleb Hammer? Or of the earnings that the agency takes from them?
3:29 Speaker 03 Mm-hmm.
3:30 Caleb Hammer? Which one?
3:32 Speaker 03 3%.
3:35 Caleb Hammer? Of the creators' earnings or of the percentage that the agency takes?
3:39 Speaker 03 So TikTok takes automatically 50%.
3:43 Caleb Hammer? Are you saying you work for TikTok?
3:45 Speaker 03 No, I work for an agency through TikTok.
3:49 Caleb Hammer? Do you take 3% of what the agency takes? Or do you take 3% of what the creator makes after TikTok's cut?
3:56 Speaker 03 I make 3% after what TikTok pays the agency.
4:04 Caleb Hammer? Okay.
4:07 Caleb Hammer? Well, that was complicated to get to.
4:11 Caleb Hammer? The usual 30-second opener has arrived a few minutes later. Thank you, I appreciate it. So what hits your account? Monthly average, monthly average, what hits your account?
4:21 Speaker 03 Um, hmm, maybe 1,200, 1,500, 1,600.
4:30 Caleb Hammer? Okay, regardless of the hundred, from 12 to 15, how the are you surviving? How the, how the possible are you at 40? How are you surviving off of that? You can't be surviving off of that. What is happening? Because there's no way you're surviving off of that.
4:46 Speaker 03 Barely, yes, I am though.
4:50 Caleb Hammer? No, I, well, first of all, you're on the show, so no.
4:55 Speaker 03 I know.
4:57 Caleb Hammer? Is that your only income source?
4:59 Speaker 03 No.
4:59 Caleb Hammer? Please, some of this is, thank you. Okay. Again, usually when I ask, what do you do for a job? You would have said what this other thing is. I'll help you along.
5:09 Caleb Hammer? What else do you do?
5:11 Speaker 03 Um, well, I do, um, other jobs on the side.
5:23 Caleb Hammer? What the is happening? What the is happening? What are they?
5:30 Speaker 03 Well, it just depends what the need is. Some people want their charts read. Some people want oils made.
5:37 Caleb Hammer? You go into the hospital and just read off the chart.
5:41 Speaker 03 No, they're, they're Zodiac charts. They're birth charts.
5:46 Caleb Hammer? For fuck's sake. All right. I think I understand who I'm talking to. Yeah. What else do people want?
5:55 Speaker 03 Um, sometimes they just need a little bit extra coaching.
6:02 Caleb Hammer? Coaching?
6:03 Speaker 03 Coaching.
6:03 Caleb Hammer? What does coaching mean?
6:05 Speaker 03 Um, it just depends.
6:06 Caleb Hammer? I've had a spiritual coach on here. We all learned what she actually did afterwards.
6:11 Speaker 03 Well, I don't, that has nothing to do with me. We're talking about me.
6:15 Caleb Hammer? Well, I'm asking.
6:16 Speaker 03 I know what I do and I get people through their roadblocks.
6:19 Caleb Hammer? I would love you to be able to tell me what you do though.
6:22 Speaker 03 That's what I do.
6:25 Caleb Hammer? What?
6:26 Speaker 03 I talk to people through their roadblocks.
6:31 Caleb Hammer? Roadblocks in anything?
6:32 Speaker 03 Yeah.
6:33 Caleb Hammer? Okay. My current roadblock is having a conversation with you. Can you help me?
6:37 Speaker 03 I'm trying to.
6:42 Caleb Hammer? So that's the results that people pay for is I'm trying to-
6:46 Speaker 03 Well, I don't have your birth chart in front of me. If I had your birth chart in front of me, I could read you to filth, but right now I don't.
6:51 Caleb Hammer? Read me to filth? How do I give you my birth chart so I can have a [bleep] conversation with you, apparently?
6:57 Speaker 03 You pull it up.
6:59 Caleb Hammer? I don't have a birth chart. What the [bleep]? You think I'm carrying around a [bleep] birth chart?
7:04 Speaker 03 Yes.
7:05 Caleb Hammer? No, cuz I'm a normal-ish, but actually, I'm not normal.
7:09 Speaker 03 No, you're not, not at all.
7:10 Caleb Hammer? Trust me, I'm not that part of weird.
7:14 Caleb Hammer? Dude, I literally just wanna know how much money hits your account and I can't- Okay, they want you to give me your- What the [bleep] do you need for me to be able to have this conversation with you?
7:25 Speaker 03 I'm telling you what I do.
7:29 Caleb Hammer? I don't think she could make it. I don't think she can make it. I don't think we're making it to the end of this one, ladies and gentlemen.
7:36 Speaker 03 We gonna make it.
7:39 Speaker 03 Let's go.
7:41 Caleb Hammer? What do you need from me to have this birth chart? Which is a requirement for you to tell me how much money you make on average on a monthly basis?
7:50 Speaker 03 That's what I make. I told you. I answered your question.
7:54 Caleb Hammer? Saying she can't answer.
7:59 Speaker 03 Stop being a baby.
8:00 Caleb Hammer? I'm wasting my time. I'm not.
8:02 Speaker 03 You're throwing tantrums for no reason and I just told you.
8:05 Caleb Hammer? No, you're literally not answering my questions. I'm asking, what do you need from me for this birth chart? Cuz you said you need the birth chart for you to give me the number.
8:13 Speaker 03 Yeah.
8:14 Caleb Hammer? So, so what the [bleep] do you need from me?
8:16 Speaker 03 Pull it up!
8:17 Caleb Hammer? No, what? They said, I don't know what it is. Tell me what you need.
8:21 Speaker 03 Go to the website and pull it up.
8:22 Caleb Hammer? What is the website?
8:25 Caleb Hammer? W.com, W.W.W. Gimme a noose.com? Like, what?
8:30 Speaker 03 Not a noose. What's wrong with you? Go touch grass for a second.
8:37 Caleb Hammer? Yes, clearly, I'm the one that needs to.
8:40 Speaker 03 Yeah.
8:41 Caleb Hammer? Go to the website. That is not usually the helpful-
8:44 Speaker 03 Ask your seek.com.
8:46 Caleb Hammer? Oh, okay. Oh, we got, okay, let's see. We're seven minutes in and I got one answer, ladies and gentlemen.
8:54 Caleb Hammer? What the [bleep] is that? Okay, go ahead. Type in the website.
9:01 Speaker 03 It doesn't even work on your computer.
9:03 Caleb Hammer? It's a computer connected to very good internet, so I... Is this website make-believe in your brain?
9:11 Speaker 03 Not this make-believe in my brain.
9:13 Caleb Hammer? I apologize, ladies and gentlemen. If this is uploaded, we will get to the finances. I apologize. Apparently, I'm gonna be dragging or screaming and kicking until we get there. Except I'm the one screaming and kicking.
9:27 Caleb Hammer? Okay, you got a typo?
9:29 Speaker 03 Yes.
9:31 Caleb Hammer? Yeah.
9:36 Caleb Hammer? It's requiring me to create a free account.
9:39 Speaker 03 No, why? No, you just go to birth chart and put in your information. It should be use... That's a user error.
9:47 Caleb Hammer? I don't think it is.
9:48 Speaker 03 That is not... That's a you issue.
9:52 Caleb Hammer? Okay. This one may have been a me issue.
9:59 Caleb Hammer? Listen, there's a big start button. But, I guess...
10:07 Caleb Hammer? Time? I don't know the fucking time!
10:09 Speaker 03 You don't know what time you were born?
10:11 Caleb Hammer? How important is it for me to know the time?
10:12 Speaker 03 You need to.
10:18 Speaker 03 Yeah, get on the phone with your mama.
10:19 Caleb Hammer? Call mom mobile.
10:21 Speaker 03 Yeah.
10:25 Caleb Hammer? We have a question. We're filming right now, but we have a question. I need an... Dad did not know. He guessed 6:00 or 7:00 a.m., but let's see what you say. What time was I born?
10:36 Speaker 03 Oh my goodness.
10:37 Caleb Hammer? Oh, mom, please. We need this.
10:40 Speaker 04 I mean, if you can wait a second, I can look at your birth certificate and tell you.
10:44 Caleb Hammer? You have it?
10:45 Speaker 04 Like, probably. I'm sure I do.
10:48 Caleb Hammer? Uh, well, you can wait a second.
10:50 Speaker 04 Okay. I just...
10:52 Caleb Hammer? I think I have it, though.
10:55 Speaker 04 Oh, well, then you need to look.
10:57 Caleb Hammer? Unless I have, like, a copy from you.
11:00 Speaker 04 Possibly. I'm feeling like it was pretty early, though. I know it was... You're my first in labor for like 16 hours with you. So, gosh. I know that's probably not helping you. Hold on, I'm trying to look.
11:17 Speaker 03 Are you actually recording right this second?
11:20 Caleb Hammer? Oh, yeah.
11:21 Speaker 03 People are hearing this?
11:22 Caleb Hammer? Oh, yeah.
11:24 Speaker 03 Awesome. Well, I'm doing my best. I will see what I can find here for you. February fourteenth, nineteen ninety-five, born at four fifteen P. M.
11:35 Caleb Hammer? He was, he was completely wrong. He was off by like twelve hours.
11:40 Speaker 03 Yeah. Well, I was gonna say morning, too, so I was wrong. Sorry.
11:44 Caleb Hammer? Four, you said four fifteen?
11:46 Speaker 03 P. M.
11:47 Caleb Hammer? Four fifteen P. M. Okay, four fifteen. Awesome, awesome, awesome. All right. Thank you. Thank you.
11:56 Speaker 03 You're welcome. Hi.
11:57 Caleb Hammer? Love you. Bye.
11:58 Speaker 03 Love you, too. Bye.
12:03 Caleb Hammer? I don't know how far we are into the recording for you guys, but we have been here for sixteen minutes. And now with this, we will actually be able to get a potential answer.
12:14 Caleb Hammer? Do you need to see it?
12:16 Speaker 03 Do you want me to?
12:19 Caleb Hammer? For sake, please. Please help me here.
12:27 Speaker 03 So you have a stellium in Capricorn, which makes a lot of sense. Since you are the financial guru.
12:37 Speaker 03 And you have, um.
12:42 Speaker 03 You also have, your moon is in Leo.
12:46 Caleb Hammer? You're just reading what the thing like?
12:49 Speaker 03 I'm reading the chart right here.
12:51 Caleb Hammer? You're reading the chart or you're reading what like the bullet points are?
12:53 Speaker 03 Um, do you see where I'm pointing?
12:55 Caleb Hammer? Keep going, keep going, keep going. Okay, my moon is in in Cancer or something. Okay.
13:00 Speaker 03 No, it's in Leo.
13:01 Caleb Hammer? Sure.
13:03 Speaker 03 And your Mars is retrograde in Leo as well. So you.
13:09 Caleb Hammer? Please do what you need to be able to answer my question, because you needed to know my star, star, star chart.
13:14 Speaker 03 You see, I, this is what I do. I answered your question.
13:18 Caleb Hammer? That is the most you've talked in sixteen minutes right there. So you have to keep going.
13:22 Speaker 03 I read people's charts for them. I write up a report. And I send it to them. They pay me for that.
13:28 Caleb Hammer? I just need you to be able to answer my questions. You said you needed to see my star chart to be able to answer my questions.
13:33 Speaker 03 For an example.
13:34 Caleb Hammer? So you see my star chart. Are you good?
13:36 Speaker 03 Yes.
13:36 Caleb Hammer? Are you able to move forward?
13:38 Speaker 03 Yeah.
13:39 Caleb Hammer? All right, that's a soft yeah.
13:42 Speaker 03 Oh.
13:46 Caleb Hammer? What was that reaction?
13:48 Speaker 03 That makes sense.
13:52 Caleb Hammer? How much is your account across all things? Cause we know it's the 12 to 1500 for that bull job, the easiest job in the world. Come on, it's the easiest fucking job in the world. Hey, don't say the N word. There you go. You're not getting banned on Tik Tok. Boom, 1200 bucks. Great. How much do you make across all income sources?
14:17 Caleb Hammer? That means more than just one
14:20 Caleb Hammer? on a monthly basis that hits your account.
14:23 Speaker 03 Um, maybe about 2000.
14:30 Caleb Hammer? Okay. So that goes back to my original point. How the are you surviving? Cause you're definitely not off of 2000.
14:39 Speaker 03 I just am, I don't know.
14:42 Caleb Hammer? You're definitely not.
14:46 Caleb Hammer? They're saying you started your own company?
14:48 Speaker 03 Yes.
14:49 Caleb Hammer? What the is your own company?
14:51 Speaker 03 I do social media management and consulting.
14:57 Caleb Hammer? How many followers do you have online?
15:00 Speaker 03 Uh, one account has a little over 4700 and the other one has about almost 3000.
15:07 Caleb Hammer? Then who the are you consulting?
15:11 Caleb Hammer? That's one Tik Tok that gets a couple hundred thousand views and you get that many followers? What are you consulting?
15:18 Speaker 03 It's not about me. It's about what they're seeking. So if they want.
15:23 Caleb Hammer? What are they seeking that you're able to provide?
15:25 Speaker 03 Coaching, if they want coaching, they want to start.
15:29 Speaker 03 If they want, um, travel. You know, they want to book travel, they can do that. I can schedule that for them.
15:37 Caleb Hammer? So you're a travel agent grifter?
15:41 Speaker 03 Grifter?
15:43 Caleb Hammer? Uh huh.
15:45 Speaker 03 I wouldn't say I'm a grifter.
15:48 Speaker 03 It's a source of income. If they book.
15:51 Caleb Hammer? Yeah, it's a source of income, but you're not providing any value, any real value.
15:56 Speaker 03 Of course it is.
15:57 Caleb Hammer? What? What do they need help traveling with that you're able to provide?
16:01 Speaker 03 I get the best deals. Deals that you can't go through directly through this, the website.
16:06 Caleb Hammer? And how are you getting those deals?
16:08 Speaker 03 I'm a travel agent.
16:10 Caleb Hammer? Okay, that's not exactly what you're saying. You said you're helping social media influencers.
16:14 Speaker 03 Right. If they want to book travel, they can do that through me.
16:19 Caleb Hammer? Thought we got rid of that job.
16:23 Speaker 03 No.
16:23 Caleb Hammer? As a society, I thought we all kinda moved on.
16:28 Speaker 03 I don't know who we are. Maybe you.
16:30 Caleb Hammer? The rest of us.
16:32 Speaker 03 Well, you can't speak for everybody.
16:33 Caleb Hammer? When's the last time you've used a travel agent?
16:37 Caleb Hammer? Yeah, Jake, when's the last time you used a travel agent? Okay, both were never.
16:43 Caleb Hammer? Okay. Okay. Let's see if you can coach this number out of yourself. We know 2,000 comes in, uh, which by the way, no, I had miscellaneous deposits, like we don't know, 985. 168 came in through PayPal, so they were at 120, and then child support came in, so. Yeah. The second biggest income source, almost as big as the first one, is because you have kids, and I guess we'll get into that. But how much came? What? How mu- how much went out though? How much was spent? Cause 1,800 came in.
17:21 Caleb Hammer? Forty percent of it from child support, and how much went out? Can you coach it out of yourself, please? You need to call the stars, you need to summon them down? Talk to Mars, Jupiter. Hello? How much did I spend?
17:34 Speaker 03 On what account?
17:36 Caleb Hammer? Everything. Oh my, everything, everything.
17:39 Speaker 03 Everything?
17:40 Caleb Hammer? Everything. This can be debt, it can be anything.
17:43 Speaker 03 Um.
17:43 Caleb Hammer? All your accounts.
17:45 Speaker 03 I don't know, it ranges.
17:46 Caleb Hammer? You need to create those charts for it. You need to put in your birthdays. You need to get down to the millisecond in order to get this number.
17:55 Speaker 03 I don't know, it could range up to a thousand, nine hundred. Just depends.
18:01 Caleb Hammer? Up to from when someone gives a range, they usually give this where the range starts?
18:06 Speaker 03 It could be nine hundred, it could be a thousand, it could be eight hundred one month. I mean, it just.
18:11 Caleb Hammer? But this last month. What do you think you spent?
18:16 Speaker 03 Um.
18:20 Speaker 03 Probably eight hundred?
18:25 Caleb Hammer? Do you have rent?
18:27 Speaker 03 Yes.
18:28 Caleb Hammer? How much is your rent?
18:29 Speaker 03 Two hundred and forty-three dollars.
18:33 Caleb Hammer? Oh, my gosh, I feel there's so much we have to get into. No, by the way, it was four thousand dollars. So fuck you. Fuck you.
18:38 Speaker 03 I?
18:39 Caleb Hammer? Fuck you.
18:39 Speaker 03 How?
18:41 Caleb Hammer? Your actions?
18:45 Speaker 03 Dang.
18:47 Caleb Hammer? Okay.
18:49 Speaker 03 That's tragic.
18:51 Caleb Hammer? This agency.
18:53 Speaker 03 Mm-hmm.
18:53 Caleb Hammer? This work that you do, how many clients do you have?
18:57 Speaker 03 About sixty-eight.
18:59 Caleb Hammer? And how often do you actually talk to them?
19:03 Speaker 03 Um, depends on their needs.
19:05 Caleb Hammer? Why the fuck would they actually sign up for you?
19:09 Speaker 03 Because. I have the leadership skills.
19:17 Caleb Hammer? Yes, your leadership skills. Please tell me, please inform me.
19:23 Caleb Hammer? I'm hiring right now. In fact, one of those positions is a leadership position. Please. How would you qualify?
19:30 Speaker 03 I have the leadership skills. I have the education.
19:33 Caleb Hammer? Let's elect a president.
19:34 Speaker 03 I have, I have not just the, the education, but I have the skill set that is necessary for managing people.
19:44 Caleb Hammer? Wow, you just got no jobs ever. Um, with that answer.
19:48 Speaker 03 How?
19:50 Caleb Hammer? I asked you. What makes you qualified? And you said, I have the skills.
19:55 Speaker 03 I do.
19:57 Caleb Hammer? People usually give examples. People usually demonstrate what these skills are. They usually don't say, I have, you know what? I'm hiring for video editors right now. In the interview, people don't say, I have video editor skills. It depends on the job. So in this. So you just scam people out of money. Let's be honest, you just scam people out of money for their charts. You scam people out of money for helping them be in community guidelines. You scam people out of money. You're a scammer. I'm gonna call it as I see it. Absolutely not. I don't give a. You're a scammer. I am not a scammer. I mean, literally, the producers are telling me that you called your own agency a Ponzi scheme.
20:41 Caleb Hammer? You're a scammer.
20:45 Caleb Hammer? That's tough.
20:47 Caleb Hammer? Yeah?
20:53 Caleb Hammer? Okay.
20:55 Speaker 00 Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.
21:26 Caleb Hammer? And if it wasn't for your kids and child support coming in. Well, I mean, it's not like you cover your expenses anyway. You're just going further into debt. So I, I, I don't, I don't, I don't know.
21:39 Caleb Hammer? When did you start your own company? This, this. In February. Okay. And the company that does literally every service ever created. She agrees, okay. Yeah. You're supposed to agree with that. You're supposed to say, no, I focus on, okay. Oh.
22:03 Caleb Hammer? How old are your kids?
22:05 Speaker 03 Twenty and eight.
22:06 Caleb Hammer? A twenty year old? You have a twenty year old?
22:09 Speaker 03 Yeah.
22:10 Caleb Hammer? An adult?
22:12 Speaker 03 Absolutely, I do.
22:15 Caleb Hammer? And an eight year old? That's a big gap. Listen, there's nothing wrong with having a kid at twenty if you're ready, especially, but like, there's an adult in your life?
22:24 Speaker 03 Yes.
22:25 Caleb Hammer? And you've never faced pushback for you creating your business, the everything business. It's the Amazon of your brain.
22:33 Speaker 03 No.
22:36 Caleb Hammer? No, no pushback?
22:38 Speaker 03 No.
22:39 Caleb Hammer? What does your kid think of your twenty year old adult child? This video is sponsored by Rocket Money, the app that has saved me hundreds by canceling subscriptions I forgot I was even paying for. Have you ever opened your bank app and thought, who the heck is charging me nine dollars and ninety nine cents every single month? Because, yeah, same. It turns out I've been unknowingly funding some random PDF converter I used once in 2021. But thankfully, Rocket Money caught that nonsense fast. Rocket Money is the all in one personal finance app that helps you cancel unwanted subscriptions, lower your bills, and track your spending all in one place. With just a couple taps, Rocket Money canceled my forgotten apps and even negotiated down my internet bill,
23:23 Caleb Hammer? all without me having to argue with a robot named Dan.
23:27 Speaker 05 I know that you were planning to disconnect me.
23:29 Caleb Hammer? It also tracks your spending by category, sets up custom budgets, and sends alerts before you overdraft. So you don't get that lovely surprise you're broke message from your bank. So if you're tired of leaking money, take back control. Go to rocketmoney.com/Caleb or click the link in the description to get started for free.
23:49 Speaker 03 Who's gonna tell me how to run my life?
23:52 Caleb Hammer? Old adult child?
23:53 Speaker 03 He's an adult. What is he going to tell me?
23:56 Caleb Hammer? Mom, you're f***ing up your life.
23:59 Speaker 03 How?
24:00 Caleb Hammer? You don't make enough money to meet the bills.
24:02 Speaker 03 How does he know?
24:04 Caleb Hammer? He doesn't talk, you guys don't talk?
24:06 Speaker 03 Why would anybody know? You only know that right now is because I'm sitting here talking to you.
24:11 Caleb Hammer? You don't talk to people.
24:12 Speaker 03 Other than that, it's nobody's business how I spend my money, how I make my money.
24:17 Caleb Hammer? I talk to people about my life all the time.
24:18 Speaker 03 But that's, no.
24:19 Caleb Hammer? Why would you know other people's insights?
24:21 Speaker 03 No, I don't need them in my business.
24:22 Caleb Hammer? It's not their business, yet your entire career is you being in other people's business.
24:27 Speaker 03 No, I'm not in everybody's business, though. If they come to me and they give me permission to, that's one thing.
24:33 Caleb Hammer? Why do you not seek people?
24:34 Speaker 03 That's one thing, but I am not in people's business unless they give me permission to be in their.
24:39 Caleb Hammer? Why would you not seek people for their insights into your life? Because obviously you're a complete fuck up.
24:45 Speaker 03 I am not a fuck up.
24:46 Caleb Hammer? Hmm, yeah, spend double what you make.
24:48 Speaker 03 And how dare you tell me that I'm a fuck up?
24:50 Caleb Hammer? You spend double what you make, you only grip for a living, you work for what you call a Ponzi scheme. Excuse me, what's going for you?
25:00 Speaker 03 My life, I'm still breathing.
25:01 Caleb Hammer? Okay, uh, being able to survive is a sentiment, that's it.
25:08 Caleb Hammer? That's our gold stars.
25:10 Speaker 03 Yep.
25:13 Caleb Hammer? And how much money has this business made? Your entrepreneurial, everything.
25:17 Speaker 03 I just started it.
25:18 Caleb Hammer? In February, so?
25:20 Speaker 03 In February, I just started. I, it hasn't made anything because I haven't, I just started it.
25:28 Caleb Hammer? Yeah.
25:30 Caleb Hammer? When is it gonna make money?
25:32 Speaker 03 When I start marketing.
25:34 Caleb Hammer? Oh, for fuck's sake. Bull, how many hours a week do you put into it?
25:40 Speaker 03 I'm putting in about 25 to 30.
25:42 Caleb Hammer? How is that possible? Isn't the entire business just talking to people? How are you putting in that many hours, but there's no money coming in?
25:49 Speaker 03 Because right now I was focused on the travel agency part of it, getting that set up and marketing it.
25:56 Caleb Hammer? But 25 hours a week for three months?
25:58 Speaker 03 Not for three months.
26:00 Caleb Hammer? Two months.
26:01 Speaker 03 I just started, it's a slow process to get people to want to book with you.
26:05 Caleb Hammer? No, I agree, but you said you're putting 25 hours a week into it.
26:08 Speaker 03 Yes, I have to, I have to.
26:10 Caleb Hammer? What have you done that is 25 hours?
26:12 Speaker 03 There's trainings that I have to complete, I have to get certified, it's not like a.
26:15 Caleb Hammer? Travel agency?
26:16 Speaker 03 Yes, it's not a walk in the park.
26:19 Caleb Hammer? No, you do not need to be legally certified or licensed to become a travel agent.
26:22 Speaker 03 It depends on the agency you work for.
26:25 Caleb Hammer? Well, I thought this was your business. Why are you working for an agency?
26:27 Speaker 03 I work for a host agency.
26:30 Caleb Hammer? Oh my gosh.
26:31 Speaker 03 I have my own business. You can look them up.
26:36 Caleb Hammer? Lindsay, the, the, the, the, the people you find in this country will never cease to amaze me.
26:46 Caleb Hammer? Okay, so you're not a business. You're a contractor to someone else's business. You do not own a business.
26:51 Speaker 03 I have my own business.
26:52 Caleb Hammer? But it's not the travel agency?
26:54 Speaker 03 It's, no, that's, that's not a part of, that is a part of my business.
26:58 Caleb Hammer? What are you putting 25 hours a week into?
27:01 Speaker 03 I had to do the trainings.
27:03 Caleb Hammer? And it's 25 hours a week for two months?
27:06 Speaker 03 For the trainings, yes.
27:08 Caleb Hammer? It's 25 hours a week for two months?
27:10 Speaker 03 I started my business and I have other trainings that I was personally doing for my business.
27:15 Caleb Hammer? Can you tell me what the trainings were?
27:16 Speaker 03 It was business management that I personally was doing.
27:20 Caleb Hammer? What business management?
27:21 Speaker 03 The ones through the library.
27:24 Caleb Hammer? The, like, the local library?
27:25 Speaker 03 Yes.
27:26 Caleb Hammer? And it was 25 hours a week for two months?
27:29 Speaker 03 I was taking, I, I'm also a homeschool teacher for my daughter.
27:35 Caleb Hammer? Okay, no, but you're telling me how many hours a week you put into your business, not the other stuff?
27:38 Speaker 03 Right. As I'm going through these-
27:40 Caleb Hammer? So I don't care about that part.
27:41 Speaker 03 As I'm going through these steps to start up my business correctly, it's not going to be, let's just push it out to the world. No, I want to make sure I set it up correctly, and that's what I was doing.
27:52 Caleb Hammer? I get it, but you haven't been able to tell me how you've been doing this for eight weeks, 25 hours a week? So, let me just, you know, crunch some numbers here.
28:00 Speaker 03 So between the two of them-
28:01 Caleb Hammer? You've put in 200 hours.
28:02 Speaker 03 So between the two of them-
28:04 Caleb Hammer? You've put in 8.3 full days.
28:07 Speaker 03 So between the two of them, my business-
28:10 Caleb Hammer? Wait, two of what?
28:12 Speaker 03 My business and the travel agency, those are two separate trainings that I've been doing.
28:18 Caleb Hammer? And each equated to 24 hour, uh, 24 hours a week?
28:22 Speaker 03 I said between 25 and 30 hours a week.
28:25 Caleb Hammer? It goes up to 30?
28:27 Speaker 03 That's what I was saying.
28:28 Caleb Hammer? Can you tell me how you have set this time aside? 30 hours a week divided by five, six hours a day?
28:35 Speaker 03 So between the time that I'm at home with my daughter, homeschooling her.
28:39 Caleb Hammer? No, no, no, no, that wasn't included in the 30 hours. You said your business and then you said your business and travel agency. Now, were you saying the 30 hours a week is business, travel, agency and homeschooling?
28:49 Speaker 03 Between the hours that I'm with her, homeschooling her, I am doing these trainings.
28:56 Caleb Hammer? What trainings?
28:57 Speaker 03 The trainings for the, the travel agency and also the certification.
29:01 Caleb Hammer? Tell me what they are so I can look them up and see how much time goes into them. Cause again, you have done eight weeks, 25 to 30 hours a week.
29:09 Caleb Hammer? That is not, no? Are you giving up on that? Cause I feel like you're just lying.
29:15 Speaker 03 There's nothing to lie about.
29:17 Caleb Hammer? Well, I would assume.
29:18 Speaker 03 Well, there are certain things I can't show you because that's not for me to show you. That's, you're not a part of the agency. Yeah. Not only that, but then I developed an e-learning program for social media.
29:30 Caleb Hammer? You developed an e-learning program?
29:31 Speaker 03 Yes, I did. Now that I can personally show you.
29:35 Caleb Hammer? For fuck's sake.
29:38 Caleb Hammer? You developed an e-learning program.
29:42 Caleb Hammer? You know what? The word grifter gets thrown around online. And I'll let you into my personal life. I've had a couple of people call me a grifter. It is because I sell products online. It is only because of people like you that people look down immediately at the fact that I put on an educational program and have launched a budget nap. We have worked with experts, put in hundreds upon hundreds upon hundreds of expert hours to craft like the lowest refunded rate industry-wide educational programs. And yet we get called out because we put on an online program. And it's only because people like you go out there and just put out slop and charge hundreds or thousands of.
30:21 Speaker 03 How do you know it's slop?
30:22 Caleb Hammer? Because I'm talking to you.
30:24 Speaker 03 So what?
30:25 Caleb Hammer? I.
30:26 Speaker 03 But how do you know it's slop?
30:27 Caleb Hammer? Because I'm talking to you.
30:28 Speaker 03 How do you know I didn't go and get somebody to mentor me through this?
30:31 Caleb Hammer? Because I'm talking to you. You can't speak on anything. There's that one thing you're able to speak on in a halfway intellectual, eh, great, intellectual level.
30:46 Caleb Hammer? No rebuttal? No thought?
30:49 Speaker 03 No, because I know what I put into that e-learning program.
30:52 Caleb Hammer? Okay, tell me.
30:53 Speaker 03 I went and sought out a mentor to help me put that together.
30:57 Caleb Hammer? Who was the mentor?
30:59 Speaker 03 It doesn't matter who the mentor is.
31:00 Caleb Hammer? It absolutely matters who the mentor is.
31:02 Speaker 03 Her name was Jamie. Not only that, but... I don't know. It's in my phone.
31:07 Caleb Hammer? We'll bleep the name. Jamie what?
31:10 Speaker 03 I don't know her last name. It's in my phone.
31:14 Caleb Hammer? Pull out your phone?
31:16 Caleb Hammer? J-A-M-I-E? That version of Jamie? That spelling?
31:24 Speaker 03 Mm-hmm.
31:24 Caleb Hammer? Okay. Jamie what?
31:27 Caleb Hammer? And it's an educational program on how to not get banned on TikTok?
31:33 Speaker 03 No, to stay safe. It's for like people around 16 years old or so navigating social media.
31:41 Caleb Hammer? To stay... Okay, to not get called a slur online?
31:46 Speaker 03 No.
31:48 Caleb Hammer? To not get diddled through the screen? Like, what are they getting safe from?
31:55 Caleb Hammer? I feel bad. I don't want to [BLEEP] your entire life, but you have not been able to give me anything. And I'm also not just gonna sugarcoat it, because I can't let you think you're just doing well. Especially since you have kids. Oh, so you're homeschooling? Okay.
32:09 Speaker 03 This is the training.
32:13 Caleb Hammer? Yours or hers?
32:14 Speaker 03 That's mine.
32:16 Caleb Hammer? Okay, so we're using stock images? Okay.
32:21 Speaker 03 This is also my first...
32:22 Caleb Hammer? Discover purpose and power in the digital space. Building a strategy for growth. I thought this was about protection.
32:29 Speaker 03 It is. It goes further into it.
32:32 Caleb Hammer? Okay, creating content that connects. Okay, three chapters out of seven. Nothing about protection yet. Four, showing up constantly and building confidence. Not about protection. Five, growing your community and influence. Not about protection. Six, monetizing and partnering with purpose. Not about safety. Seven, your digital talent portfolio and future steps. Okay, nothing... Safety wasn't mentioned once in a course about safety.
32:56 Speaker 03 It is.
32:58 Caleb Hammer? How much is it?
32:59 Speaker 03 It's going through copyright right now.
33:01 Caleb Hammer? Huh? What? What copyright?
33:05 Speaker 03 That has to be copyrighted before I put it online.
33:08 Caleb Hammer? You're trademarking it?
33:09 Speaker 03 It's being copyrighted.
33:11 Caleb Hammer? How? What the do you own in here that's like, uh, intellectual property?
33:17 Speaker 03 I put it together. That's what I was supposed to do.
33:20 Caleb Hammer? How much is it gonna cost?
33:22 Speaker 03 It's not gonna cost very much.
33:24 Caleb Hammer? How much is it gonna cost?
33:25 Speaker 03 Like fifty-nine dollars.
33:30 Speaker 03 It comes with a test. It comes with everything. A workbook.
33:35 Caleb Hammer? And more stock images.
33:39 Speaker 03 What was I supposed to use?
33:42 Caleb Hammer? He's very happy he took this class. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings Account and get a welcome bonus of three hundred dollars. Sign up for Acorns using my link and get twenty dollars instead of the usual five dollars. Finally, sign up for Silo and earn up to five thousand dollars in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself five thousand three hundred twenty dollars right now.
34:25 Caleb Hammer? Speaking of education, I will gift you real education from Course Careers when you decide to get a real job.
34:32 Caleb Hammer? How many hours a week do you work on the TikTok bull?
34:35 Speaker 03 About twenty hours.
34:37 Caleb Hammer? Okay, so on the job you get paid on, you work ten hours less.
34:44 Speaker 03 Hmm.
34:44 Caleb Hammer? Why the don't you have a real job? You're a mother.
34:47 Speaker 03 Because I homeschool my child.
34:50 Caleb Hammer? Send him to school.
34:52 Speaker 03 She is on the spectrum.
34:54 Caleb Hammer? How far?
34:57 Caleb Hammer? It's a spectrum because we're all on it.
35:00 Caleb Hammer? Is she able to operate?
35:01 Speaker 03 It's none of your business.
35:03 Caleb Hammer? Well, no, when it comes to you not being able to work in this conversation, it is.
35:07 Speaker 03 I need a flexible job, so I'm doing what I have to do.
35:11 Caleb Hammer? Is she able to operate in society?
35:13 Speaker 03 Yes.
35:13 Caleb Hammer? There we go. And there's programs at school.
35:16 Speaker 03 No, where I live is not adequate enough to handle her educational needs. So that's why.
35:26 Caleb Hammer? Are you?
35:28 Speaker 03 She's on a program. She goes and sees OT. She's doing what she needs to do. And yes, right now, virtually, it works for her.
35:37 Caleb Hammer? Buddy, you'd be making more money just doing customer service from home. Just customer service.
35:44 Speaker 03 If there were no phones, yes, I could have.
35:48 Caleb Hammer? A job without a phone?
35:50 Speaker 03 There were no phones.
35:51 Caleb Hammer? You can't have a phone?
35:53 Speaker 03 She's at home with me.
35:56 Caleb Hammer? So you're not allowed to have a phone?
35:59 Speaker 03 I can't have a job where the child is in the background.
36:05 Caleb Hammer? So you're never going to be able to provide for her, then?
36:08 Speaker 03 I'm providing for her.
36:10 Caleb Hammer? No, you're spending double what you make and a third of your income comes in through child support. Not saying that you shouldn't get child support, but that's basically the only reason you're able to almost survive. Sounds like you're in a rent-controlled situation, is that correct?
36:24 Speaker 03 Yep.
36:26 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.
36:53 Caleb Hammer? How long?
36:55 Speaker 03 The one year.
36:56 Caleb Hammer? When does the one year end?
36:58 Speaker 03 In June.
36:59 Caleb Hammer? And then what?
37:01 Speaker 03 And then I decide whether I want to stay or...
37:03 Caleb Hammer? You're allowed to stay for the same rent?
37:05 Speaker 03 Uh huh.
37:06 Caleb Hammer? Okay, so it's not a big issue.
37:10 Caleb Hammer? Why don't I fully believe you?
37:13 Speaker 03 What is there not to believe?
37:17 Caleb Hammer? Just, uh, I mean, they're telling me you're considering moving to Austin, so...
37:21 Speaker 03 Yes, I am.
37:23 Caleb Hammer? Why?
37:24 Speaker 03 Why not?
37:25 Caleb Hammer? You have no money.
37:27 Speaker 03 So? I'll make money.
37:30 Caleb Hammer? So far, no.
37:34 Caleb Hammer? What's our plan? Putting thirty hours a week into the education that we can't define or explain?
37:43 Speaker 03 There is a plan.
37:45 Caleb Hammer? Okay. Now it sounds like a presidential debate.
37:51 Speaker 03 I'm trying. I'm...
37:54 Caleb Hammer? What's your try?
37:55 Speaker 03 I have, um, plans on finding a job, and I use my chart. I use numerology.
38:03 Caleb Hammer? Fucking chart. So someone pays for what I just did?
38:08 Speaker 03 Yeah, but I make a whole...
38:09 Caleb Hammer? They can just put that in GPT and it'll tell them.
38:12 Speaker 03 Not necessarily if you don't know what to put in there. Cause it's not... Chat GPT is not always correct.
38:20 Caleb Hammer? I think it'd be able to tell me my moon and Mars.
38:23 Speaker 03 That has nothing to do with numerology, or where your north node is at, and how you can progress and make profitable moves if you looked at it.
38:34 Caleb Hammer? Tell me, how do I make profitable moves? You saw my ch- my star, please.
38:38 Speaker 03 Your north node.
38:39 Caleb Hammer? Yeah, tell me.
38:41 Speaker 03 Okay, I can do a reading for you, would you like that?
38:44 Caleb Hammer? I thought you already did.
38:45 Speaker 03 I looked at your chart. This is card reading.
38:48 Caleb Hammer? Okay, people are gonna be upset if I don't get into the finances, so let's do a little finances first, and then I'll let you play with your toys.
38:56 Speaker 03 But I'm...
39:00 Caleb Hammer? That wasn't a joke.
39:02 Speaker 03 You said, "Play with my toys."
39:05 Caleb Hammer? Yeah, that's all they are.
39:07 Speaker 03 That could go real left for a lot of people that don't know what the toys are.
39:13 Caleb Hammer? Yeah, I'm not picturing you using a vibrator.
39:15 Speaker 03 Well, don't use toys then.
39:19 Speaker 03 Naughty.
39:20 Caleb Hammer? No, I have zero interest.
39:27 Caleb Hammer? Don't need to get you your third.
39:30 Speaker 03 Relax, Caleb.
39:32 Caleb Hammer? I'm feeling fine, man. I just wish I could get you to. Comprehend any semblance of reality. Okay, Navy Federal. Oh, good. Yeah, we're at $9,455.45 for someone who takes, uh...
39:50 Caleb Hammer? Basically, four and a half months to make that amount. Before any bills. Great. And of course, you didn't even make that amount in the month where we're looking at. So it doesn't even matter.
40:03 Caleb Hammer? Met a monthly payment. Oh, good, 214. So of what you do break, bring in, that's already, uh, an eighth of your money gone.
40:12 Speaker 03 That's a different account. So what I bring in does not go to Navy Federal?
40:20 Caleb Hammer? This is your debt.
40:22 Speaker 03 Yeah, I understand.
40:23 Caleb Hammer? Well, checking account. Your. Get money hits. Why does that matter? You're right. Your payroll doesn't go into a credit card.
40:37 Caleb Hammer? What is that? Oh, fuck, dude. Oh.
40:44 Speaker 03 Well, I was going to break it down for you because they're different accounts.
40:47 Caleb Hammer? Please break it down.
40:48 Speaker 03 And there's different money that goes into these accounts.
40:51 Caleb Hammer? Yes, break down, please.
40:52 Speaker 03 So any of the money that I get from like taxes or lump sum of money goes into my Navy Federal and just stays there. I don't touch it. That's what pays my car note. That's what pays the loan.
41:07 Speaker 03 And that's how I'm able to pay that off.
41:10 Caleb Hammer? Me. I thought they gave you the fake name star because you're into astrology, not because you have the mental capacity of a stripper.
41:18 Speaker 03 Oh, wait a
41:19 Caleb Hammer? Sake, $1,336 being spent on this card? $120 of interest? Why the [bleep] are you only putting the minimum monthly payment to it? Putting thousands of dollars onto it when interest is accruing?
41:37 Speaker 03 Because I wasn't always doing that. I just recently
41:41 Caleb Hammer? Because you weren't always That's not a Why did you do this? Because I wasn't always doing it? What? That Did you hear that back? Can you ask me why I did this?
41:52 Speaker 03 I wasn't always doing it.
41:54 Caleb Hammer? No, no, no, no. Ask me, ask me why I spent this much money.
41:58 Speaker 03 Why did you spend all that money?
41:59 Caleb Hammer? Because I wasn't always doing it.
42:02 Caleb Hammer? Does that answer the question to you?
42:05 Speaker 03 Yes.
42:06 Caleb Hammer? Really? Okay, can we go in depth into that answer then, please? So I can at least understand it.
42:12 Speaker 03 Right.
42:12 Caleb Hammer? Because I need that translated, I guess.
42:14 Speaker 03 I only took, I only put that down to the minimum payment after TikTok went dark. And they
42:22 Caleb Hammer? It went dark for two days.
42:24 Speaker 03 Right. But when my creators left the platform
42:27 Caleb Hammer? You, this is last month. It didn't, it went dark, what, three months ago? Three months ago?
42:32 Speaker 03 Right. So I had to shift the minimum payments to reflect on how it was going to affect my bottom line.
42:41 Caleb Hammer? This statement is two months after it went dark.
42:44 Speaker 03 Right. I'm always going to be a month behind getting paid.
42:49 Caleb Hammer? This was two months.
42:51 Speaker 03 I'm always going to be a month behind.
42:53 Caleb Hammer? This was two months.
42:54 Speaker 03 Right. And I had to wait for my taxes to roll into that account.
42:58 Caleb Hammer? Into your credit card?
43:00 Speaker 03 Into the Navy Federal.
43:05 Speaker 03 Then I put the state, the, the credit card back up to start paying it off faster.
43:11 Caleb Hammer? Okay.
43:15 Caleb Hammer? Can you please stand up?
43:19 Caleb Hammer? Can you please stand up?
43:25 Speaker 03 Try.
43:26 Caleb Hammer? Okay, take that mic, grab it, put it that way. That way. No, no, no, no, no. The chair over there. The chair over there. Chair over there.
43:38 Caleb Hammer? Chair over there. Okay, sit down.
43:42 Caleb Hammer? Sit.
43:43 Speaker 03 Sit?
43:43 Caleb Hammer? Sit. Scoot in. Scoot in.
43:49 Caleb Hammer? Scoot in. Scoot in. Very good. Bring the mic to your face.
43:56 Caleb Hammer? Okay. Stay there.
44:01 Caleb Hammer? Welcome.
44:12 Caleb Hammer? You're my most moronic employee. I, I need you to be a translator for me.
44:18 Speaker 05 Okay.
44:18 Caleb Hammer? A moron translator. Here, we can reframe.
44:21 Speaker 05 Okay.
44:22 Caleb Hammer? That's why Brandon is here. We got the both Brandon's.
44:28 Caleb Hammer? I mean, I ask you this question again, I'd like you to answer exactly how you answered.
44:33 Caleb Hammer? Why did you spend money on this card?
44:38 Speaker 03 With the intention to pay it back.
44:40 Caleb Hammer? That is not what you said. But sure, let's go with that. I asked, why did you spend money on this card with the intention to pay back? Can you please translate what her actual response was?
44:53 Speaker 05 Explain that one more time?
44:57 Caleb Hammer? I need a translator for you, dude. Come on.
45:01 Speaker 05 You said.
45:02 Caleb Hammer? You, you're here to translate for her. Um, she said, well, first of all, her first response was.
45:10 Speaker 03 Because I wasn't always doing that.
45:12 Caleb Hammer? Because it's been a few months or something like that.
45:15 Speaker 05 Okay.
45:17 Speaker 03 It was more of how you structured the question around why I was making the minimum payment.
45:25 Caleb Hammer? While spending quadruple the minimum monthly payment on there. Can you tell me?
45:30 Speaker 03 And I, that's what was my response was.
45:33 Caleb Hammer? What's your response?
45:34 Speaker 03 That it was more of, that I had intentions of paying it back.
45:39 Caleb Hammer? Okay, what the does she mean?
45:41 Speaker 05 Boss? I can't explain that.
45:45 Caleb Hammer? Brandon, come on, give it your best. You have to be my translator here.
45:50 Speaker 05 Okay, so, spending the money because we intended to pay it back.
45:58 Speaker 05 We were gonna pay it back.
46:01 Caleb Hammer? But we haven't. So, you spent money, interest is accruing, takes 25 years to pay off, by the way. 25 years to pay off. You have a kid, 20-year-old, homeschool kid. Kid can't afford your bills. This takes four months to pay off. You know, interest is accruing. Why would you put money on a credit card and not a debit card when interest is accruing and you can't pay it off?
46:22 Speaker 03 It's connected to my PayPal. So, if there's larger debits coming out of the purchases, it was hitting that card instead of the debit card.
46:38 Speaker 05 Uh, we're using PayPal instead of, uh, because it's linked.
46:42 Caleb Hammer? You're not using PayPal, unless this is attached to PayPal?
46:46 Speaker 03 The card, that.
46:47 Caleb Hammer? So, when you spend money through PayPal, it's charging this credit card?
46:50 Speaker 03 Yeah, and I didn't know.
46:51 Caleb Hammer? Why the [__] are you doing that?
46:52 Speaker 03 I didn't know.
46:53 Caleb Hammer? You didn't know? So, if I look at your statement right now, there will be no more spending on it if you pull up your phone?
46:59 Speaker 03 Besides, certain things, yeah.
47:05 Speaker 05 There's a couple of things on there.
47:07 Caleb Hammer? Okay.
47:11 Caleb Hammer? If I could go back in time, back in time, back in time, and just straighten out my finances, here's something I'd fix sooner than later: my credit score. Because, let's just face it, having bad or no credit isn't just an inconvenience, it's a major roadblock. It's more than just higher interest rates. It's about being stopped cold when trying to rent your first apartment, buy a car, or hit another big milestone. But that's where today's sponsor, Step, comes in to make credit building a breeze. Step is a mobile banking app that helps you build credit for free. No credit checks, no interest, no hidden gotcha fees. Every time you use your Step card, you're building credit automatically.
47:55 Caleb Hammer? And with the average Step user improving their credit by over 57.3%. In one year. It's the perfect way to start moving in the right direction. And with FDIC insurance and with Visa's zero liability protection, you'll have the peace of mind knowing your account is protected around the clock. And what's my favorite part? By setting up a qualified direct deposit, you unlock Step Black and Early Pay. That means cash back. 8% with partners, 3% on dining and food delivery, 2% on subscriptions, so you can binge Netflix and peace, and 1% on everything else. And you can borrow up to 200 to $1,000, so you don't have to wait for your paycheck to pay the bills. Plus, you earn 4% on your savings while you're building credit. And you can even get paid up to two days early.
48:39 Caleb Hammer? They'll even pay you more than $200 a month to take service and play games all in one app. So between the up to $500 in annual perks and the ability to build credit safely, it's a no brainer in my book. So if you're tired of pretending you'll fix your finances someday, do this today. Build credit and earn rewards. Download the Step app today and sign up using the code CALEB for $5 free in your account upon opening. Now, let's get back into the episode. If you're an agency owner or a marketing consultant, heck, even if you're a side hustler, High Level might be your new best friend. Did we just become best friends? Yup. Picture this. You onboard a client who needs lead capture pages, automated email sequences, SMS reminders. And instead of duct taping five different apps,
49:22 Caleb Hammer? you deliver it all through High Level with your branding. You'll look like a tech genius without writing a single line of code. Meanwhile, your client sees improved conversions, you see bigger paychecks, and you only pay one monthly subscription that covers everything. That margin is pure profit, baby. And it's not just about the short term win. These clients stick around paying you monthly reoccurring income. And I know some of you dream of building a lifestyle business that actually prints money on autopilot. Well, I snagged a 30 day free trial, so you can test out the platform with no risk. If you're ready to turn your agency into one smooth all in one operation, jump onto High Level today. What the f*** we spent? First of all, Corporate Filings LLC, not through PayPal. Corporate Filings LLC, and then there's PayPal.
50:05 Caleb Hammer? And then La Quinta Inn and Suites. Trying to get another baby daddy?
50:11 Speaker 03 Not too much on me. Not too much. No, no, no. Uh-uh.
50:17 Speaker 05 I didn't spend that, boss.
50:21 Caleb Hammer? You you you did spend that.
50:22 Speaker 03 I spent it, but it wasn't to make another baby.
50:26 Caleb Hammer? Okay. Seventeen percent interest. Hundred twenty dollars of interest occurring.
50:35 Caleb Hammer? Again, I mean, this is is fucking with your income is absolutely insane. And again.
50:41 Caleb Hammer? Like, you're filing a business to scam people. And you're just a scammer. You work for a scam agency. That's what you have said. That is what you have said. And they said you're you've been also addicted to gifting on TikTok.
50:57 Speaker 03 I used to be, yeah.
51:01 Caleb Hammer? And now you're a scammer.
51:02 Speaker 03 I am not a scammer.
51:04 Caleb Hammer? Explain how what you're doing is not scamming.
51:07 Speaker 03 I'm I'm not. I'm actually using my leadership skills and my education.
51:12 Caleb Hammer? Tell me what leadership skills you have.
51:14 Speaker 03 I have great organizational skills. I I build a community for for my people. So it's not just about.
51:22 Caleb Hammer? Leadership? Being organized is leadership?
51:25 Speaker 03 You'd be surprised that some people cannot put together.
51:28 Caleb Hammer? Leaders are not organized, but it's not a leadership skill.
51:31 Speaker 03 It should be.
51:34 Speaker 03 Being organized should be.
51:36 Caleb Hammer? Translate.
51:37 Speaker 05 It kind of sounds like she runs a Discord.
51:41 Caleb Hammer? Yeah.
51:45 Caleb Hammer? Oh, yeah, she agrees.
51:48 Caleb Hammer? Okay.
51:51 Caleb Hammer? So what is all this gifting you're doing or we're doing on TikTok? All this money that you don't have, that you're getting from your fucking dads of men? Dads of your children.
52:03 Speaker 03 Dads of men.
52:04 Caleb Hammer? Mm hmm. What is the gifting?
52:06 Speaker 03 Well, first of all, it's not dads of men.
52:12 Caleb Hammer? What is this gifting?
52:14 Speaker 03 So in order for you to have some visibility on TikTok, you kind of have to give a little to get a little. And
52:22 Caleb Hammer? No, I just created content that people wanted to watch. Maybe you should try that.
52:26 Speaker 03 Are you live streaming? I mean, being a content creator and being a live streamer, those are two different roles.
52:31 Caleb Hammer? So you're gifting in your own live stream?
52:33 Speaker 03 No, I'm not. I'm gifting in other people's live stream.
52:38 Caleb Hammer? Why does that matter for your live stream?
52:40 Speaker 03 Because a lot of them would come back around and they would gift you.
52:45 Caleb Hammer? How long have you been doing this?
52:47 Speaker 03 Well, I don't do it anymore.
52:48 Caleb Hammer? How long were you doing it?
52:49 Speaker 03 Like a year.
52:51 Caleb Hammer? And you accumulated 4,000 followers?
52:54 Speaker 03 Yeah. Well, over that, it's a total. I have two accounts, so it's almost 8,000.
52:59 Caleb Hammer? Transit. We're paying for clout. Yeah. And that's what you're gonna coach other people to do? Just to pay for clout instead of actually make content that people want to watch? So you never made content that people wanted to watch? You just paid for clout? You paid for clicks?
53:13 Speaker 03 Again.
53:13 Caleb Hammer? You paid for views?
53:15 Speaker 03 Content creator.
53:16 Caleb Hammer? And then you're gonna sell $100, $50, whatever course on that? That's what you're gonna tell people to do? And that's gonna teach them how to be safe? The dots are not connecting.
53:25 Speaker 03 TikTok does it all the time.
53:26 Caleb Hammer? Does what all the time?
53:28 Speaker 03 That is a course that they teach on their li- on their market.
53:31 Caleb Hammer? Yeah, but they probably know what the they're talking about.
53:34 Speaker 03 Okay, well, you don't know me, I don't know you, so how?
53:36 Caleb Hammer? I know you have 4,000 followers.
53:38 Speaker 03 You can't pass judgment on something that I thought I was knowledgeable about.
53:42 Caleb Hammer? I can pass judgment on analytics and what you're trying to do and already working for a scam agency, and then you're just gonna repeat that process instead of actually providing any kind of value to this world?
53:51 Speaker 03 Well, if I'm entertaining and people are gifting me, then that's what I'm going to do.
53:56 Caleb Hammer? But they're not gifting you. You're gifting other people.
53:58 Speaker 03 They were. I was making
53:59 Caleb Hammer? But you paid for it.
54:00 Speaker 03 It was, I wasn't always paying for it. I had fans that came into my room and enjoyed me bruising people's egos. That's what I did.
54:10 Caleb Hammer? What?
54:11 Speaker 03 It was entertaining for them.
54:13 Caleb Hammer? What do you, what do you mean?
54:14 Speaker 03 It's a good type of banter.
54:18 Caleb Hammer? What, what are you, you were just sitting there trashing them?
54:21 Speaker 03 It's called bantering.
54:24 Speaker 05 I think that we're talking to people.
54:28 Speaker 05 We're paying to talk.
54:30 Caleb Hammer? You're paying to talk.
54:32 Speaker 03 I'm not paying.
54:33 Caleb Hammer? You paid to get people to come watch you to then hopefully pay for you to talk shit to them.
54:37 Speaker 03 No, I don't pay people to come watch me talk.
54:41 Caleb Hammer? I have a quote from you that you gave our producers. TikTok is a Ponzi scheme. You have to give to get.
54:50 Caleb Hammer? No, that's literally not true.
54:54 Speaker 03 For live streaming, again, those are two different.
54:57 Caleb Hammer? That don't livestream.
54:58 Speaker 03 Those are two different.
54:59 Caleb Hammer? And also, that's not true at all.
55:00 Speaker 03 A lot of people are not getting paid from their content anymore. They could have millions of views.
55:05 Caleb Hammer? Those that create engaging content that people like do.
55:11 Caleb Hammer? I don't think you're a content creator. I don't think you know what you're talking about. I'm sorry.
55:14 Speaker 03 I'm not a content creator. I never said I was.
55:16 Caleb Hammer? But you're gonna teach people how to be.
55:18 Speaker 03 That's, I'm live streaming.
55:20 Caleb Hammer? That's your class. That's a content creator. You're a live streamer.
55:23 Speaker 05 I think what we're trying to say here, boss, is, uh, I'm a scammer.
55:29 Caleb Hammer? Well, at least you admitted it.
55:32 Speaker 03 I'm not a scammer.
55:34 Caleb Hammer? But you're teaching people about something you've never done successfully.
55:38 Speaker 03 How? I was successful.
55:40 Caleb Hammer? 4,000 followers. How much did you make?
55:43 Speaker 03 I don't know how much I made.
55:45 Caleb Hammer? So you're gonna try to teach people without a proven record? Because you can't, what do you think you made?
55:49 Speaker 03 I mean.
55:50 Caleb Hammer? Give me a range. And remember, ranges begin with something and end with something.
55:53 Speaker 03 I probably made, in the time that I was live streaming, maybe $6,000.
55:58 Caleb Hammer? How much did you spend?
56:01 Speaker 03 Hmm, probably like $3,000.
56:05 Speaker 05 I lost 50% of my money.
56:06 Caleb Hammer? Yeah.
56:12 Caleb Hammer? Dude, I don't fucking know. I don't fucking know. And I'm gonna teach a class on that? Come on. Come on. And then you're trying to read fucking, again, pretend I paid you. Oh, okay. No, let's do one more document, then I'll let you play with your little fucking, I'll let you pretend like you know something. Okay, Quicksilver.
56:32 Caleb Hammer? Being mean, but I, this is.
56:38 Caleb Hammer? Not feeling.
56:41 Caleb Hammer? I like when these conversationalists have some productivity to them. And this one doesn't have any productivity to it because you're just in you. It took us seven minutes to get one answer. Remember? Remember that? Do you remember that?
56:52 Speaker 00 Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.
57:22 Caleb Hammer? Uh huh. Okay.
57:25 Caleb Hammer? Hundred eighty-five dollar minimum payment on this. I don't know how you're affording to survive. You're not. Uh, five thousand five hundred sixty-two dollars on this. Interest accruing. You made your minimum payment. What's up with this card? How long does it take to pay off? How long does it take to pay off? Some of the stars. How long does it take to pay off?
57:42 Speaker 03 I don't know.
57:42 Caleb Hammer? Some of the stars. How long does it take to pay off?
57:44 Speaker 03 I don't know.
57:45 Caleb Hammer? What do you think? How long do you think?
57:48 Speaker 03 I don't know.
57:49 Caleb Hammer? How long do you think?
57:54 Caleb Hammer? The word is think.
57:56 Speaker 03 Maybe two years?
57:59 Caleb Hammer? Twenty-one. Your kid will be forty-one.
58:02 Speaker 03 Well, it was at nine thousand, so, and that's not by any fault of my own, so.
58:07 Caleb Hammer? Go ahead. Tell me.
58:09 Speaker 03 That card was triple charging from multiple different vendors and some of the vendors fixed it on their own.
58:18 Speaker 03 So, and I'm still in dispute with that company.
58:21 Caleb Hammer? How much of it?
58:22 Speaker 03 Majority of it because it was capped at four thousand.
58:27 Caleb Hammer? What, your limit?
58:28 Speaker 03 Yes.
58:28 Caleb Hammer? Well, they raised the limit because they loved giving you money for you to give them interest.
58:32 Speaker 03 But I wasn't spending at, I wasn't spending it.
58:36 Caleb Hammer? All of it?
58:37 Speaker 03 Yes.
58:37 Caleb Hammer? All of it was scam?
58:38 Speaker 03 They were, they, at those vendors, every time, especially during the holiday season.
58:44 Caleb Hammer? What were the vendors?
58:46 Speaker 03 It was like Target, um.
58:47 Caleb Hammer? And you're telling me you did not spend any money there?
58:50 Speaker 03 Not for those transactions. That's why I'm still in dispute.
58:53 Caleb Hammer? For those transactions?
58:54 Speaker 03 I spent on the card during those times. That's why I caught it. We're still in dispute with that, for that card.
59:04 Speaker 05 I spent a lot of money. And now I'm not taking the blame for it.
59:10 Speaker 03 It's proven. Some of the vendors fixed it on their end. Now Capital One has to fix it.
59:15 Caleb Hammer? How much of the five?
59:18 Speaker 03 Um, so far it was.
59:20 Caleb Hammer? No, how much of the remaining is in dispute?
59:23 Speaker 03 Majority of that.
59:24 Caleb Hammer? How much?
59:26 Speaker 03 They took away four. It was at nine.
59:28 Caleb Hammer? I'm asking how much of the five is in dispute?
59:32 Speaker 03 Majority of it. The card would have been paid off by now because I've only spent, uh, the initial principal was two thousand something.
59:40 Caleb Hammer? How much of the five thousand?
59:42 Speaker 03 I don't know. I don't know.
59:47 Speaker 03 I don't know. It's in dispute.
59:51 Caleb Hammer? But you just don't know how much.
59:54 Caleb Hammer? Well, it's a cruel interest. I'll tell you that. When are you gonna get into the business of doing this to other people?
1:00:02 Speaker 03 I'm not.
1:00:05 Caleb Hammer? Until you're almost kicked out of subsidized housing.
1:00:10 Caleb Hammer? Listen.
1:00:12 Caleb Hammer? My question is, and this is a societal question. I'm not against the idea of subsidized housing for people that can't take care of themselves. Or food stamps for those that cannot take care of themselves. Or unemployment for those who are not able to get employed when they get laid off. Obviously, we have a social safety net for a reason. That being said, you literally could go get a job and actually afford unsubsidized rent, not being subsidized by the taxpayer. You could go do that. You are literally choosing not to because you want to build your business. Why the are you allowed to leech off the taxpayer?
1:00:49 Speaker 03 I'm not leeching off of anybody. And I have tried.
1:00:53 Caleb Hammer? Tried what?
1:00:54 Speaker 03 I actually, my last job, I had a really bad situation.
1:00:59 Caleb Hammer? Tell.
1:01:00 Speaker 03 Where I was interviewing men in particular. And every time I got on the screen with them, they got their little willies out and started whacking them.
1:01:13 Caleb Hammer? Uh, I'm not gonna have a chance with that one.
1:01:17 Caleb Hammer? Every, every, every, every, well, that, you said the word interviewing. You were interviewing them?
1:01:22 Speaker 03 Yes, it was on-
1:01:24 Caleb Hammer? What was your job?
1:01:25 Speaker 03 It was a food and beverage platform.
1:01:29 Speaker 03 They were in the shower, they were just taking advantage.
1:01:33 Caleb Hammer? I shouldn't laugh at that. I shouldn't laugh at that, cuz I don't, I don't know if it's a...
1:01:41 Caleb Hammer? Well...
1:01:43 Caleb Hammer? Huh? What was it? Can you describe the job? Can you give a better description of the job, please?
1:01:49 Speaker 03 Yeah, I just said, I was doing-
1:01:51 Caleb Hammer? I said better.
1:01:52 Speaker 03 Virtual interviews for a food and beverage platform.
1:01:56 Caleb Hammer? The interview, so it was like, um, it was like-
1:02:00 Speaker 03 So people would go on there looking for, like, day work. And, and other employers needed shifts filled.
1:02:06 Caleb Hammer? And every single man got on there and masturbated.
1:02:09 Speaker 03 I didn't say every single man. But I had-
1:02:12 Caleb Hammer? But some did.
1:02:13 Speaker 03 So, I had so many that I could not take it anymore, that they were just sweeping it under the rug. There was no safeguarding for-
1:02:21 Caleb Hammer? Good, I agree. Leave that job.
1:02:23 Speaker 03 It didn't just happen to me. No, they fired me because I reported them.
1:02:27 Caleb Hammer? Uh, mm, okay, I would have sued.
1:02:30 Speaker 03 I-
1:02:33 Caleb Hammer? Listen. It's, huh, I don't wanna push back because that sounds horrible, but the fact is, with this entire conversation, it makes it impossible to believe you. But let's just, let's just believe you. Okay. I'm believing you. Because you look evil if you don't.
1:02:50 Caleb Hammer? So, even though you've been proven to be a liar the entire conversation, I will believe you in this. Okay, so good. Get fired or leave the job. Great. Um, I guess there's no other companies employing people?
1:03:03 Caleb Hammer? Than just that?
1:03:04 Speaker 03 I don't know, because every time I've
1:03:06 Caleb Hammer? No, the answer is yes, there are other companies.
1:03:08 Speaker 03 If there is, I have been rejected so many times that it's being, it's very hard to find a job that aligns with what I need to do for my daughter.
1:03:18 Caleb Hammer? Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget, no matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the very first time, or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below.
1:04:00 Caleb Hammer? But at the top of that section, you can also bundle all four of them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to CalebHammer.com, or just click those links in the description below.
1:04:17 Caleb Hammer? I don't know if you're fully believing that, I feel like you're, you want to homeschool though. Based on you, based on you are, you're, you're a chart reader, you're fucking stars only, I feel like you want her in your special little net of your core beliefs.
1:04:30 Speaker 03 It has nothing to do with, yes, I want her to have the best education for her in the area that I'm at right now. Because they don't have the best educational system where I'm at.
1:04:41 Caleb Hammer? The best education based on what you believe is the best education though?
1:04:44 Speaker 03 It's proven. They don't have the scores in the school system.
1:04:48 Caleb Hammer? I, I can vibe with that. Okay, there it is. So it's not because of on the spectrum. Now you're just doing because of the schools themselves in that area.
1:04:56 Speaker 03 And the ones that, that-
1:04:57 Caleb Hammer? Yeah, there it is. Caught it. That was fucking caught. Oh.
1:05:01 Speaker 03 And it costs a lot of money, and the grant did not cover the one that you needed.
1:05:05 Caleb Hammer? What costs a lot of money?
1:05:06 Speaker 03 It costs money. No, not the public schools, the private schools that cover, the special schools that take kids like them.
1:05:14 Caleb Hammer? I mean, this is a chicken and the egg situation. If you don't work, you're gonna live in a lower income area, which typically has worse schools. And that's how it's gonna go. Or if you fucking worked, you could be in a better income situation where you can live in a better place with better schools.
1:05:30 Caleb Hammer? Which one comes first? Which one are you gonna allow? Right now, you're just sitting and saying, "Nothing can change." So I'm not gonna do anything ever in my entire life.
1:05:36 Speaker 03 That's why I-
1:05:37 Caleb Hammer? So instead, you're grifting.
1:05:38 Speaker 03 No, I'm not trying- No, I'm not.
1:05:41 Caleb Hammer? You're creating a $50 course on something you can't even do yourself.
1:05:46 Caleb Hammer? And you make us all look bad, those who actually sell that.
1:05:48 Speaker 03 No, I'm not making anybody look bad.
1:05:50 Caleb Hammer? Yes, it is people like you that make it- Anytime we launch an educational program that actually helps people-
1:05:54 Speaker 03 No, I'm not. I'm not. No.
1:05:57 Caleb Hammer? Yes.
1:05:57 Speaker 03 No, I'm not.
1:06:02 Caleb Hammer? Caleb, you're right.
1:06:04 Speaker 03 You weren't even here for the conversation.
1:06:07 Caleb Hammer? I'm here now.
1:06:08 Speaker 03 But you weren't here for it. So you didn't even see the- what I actually put together, so...
1:06:12 Caleb Hammer? Okay, what she put together is a course on safety, and all the modules teach nothing about safety.
1:06:18 Speaker 03 You only looked at o- only the first few of them. You didn't look through all of it.
1:06:23 Caleb Hammer? No, there were seven.
1:06:23 Speaker 03 And then there- and then on top of that-
1:06:25 Caleb Hammer? I read the summary.
1:06:26 Speaker 03 That was just a PowerPoint. That wasn't even the booklet.
1:06:28 Caleb Hammer? I read the seventy- uh, the seven points, though, that the entire thing goes through.
1:06:32 Speaker 03 Okay.
1:06:33 Caleb Hammer? Right?
1:06:34 Speaker 03 I don't know. I'm not in your head. I can't see through your eyes.
1:06:37 Caleb Hammer? No, but you know what you created. I read what this goes through. Here's seven points.
1:06:46 Caleb Hammer? No?
1:06:47 Speaker 03 I don't know.
1:06:49 Caleb Hammer? I can't explain my actions. Why?
1:06:54 Speaker 03 What actions?
1:06:57 Caleb Hammer? Okay. Okay. So I hear you're going to Cancun.
1:07:05 Caleb Hammer? And you're pissed about it? For some reason?
1:07:08 Speaker 03 No.
1:07:11 Caleb Hammer? Well, seeing how you can't hold down this conversation, I'm not surprised your conversation with the producers in this one are going completely different directions.
1:07:18 Caleb Hammer? Translator, silence for me.
1:07:21 Speaker 05 Loading.
1:07:24 Caleb Hammer? Still loading.
1:07:27 Speaker 03 The point of going to Cancun
1:07:32 Speaker 03 was for the retreat with the agency.
1:07:37 Speaker 03 But I am not going.
1:07:39 Caleb Hammer? You're not going?
1:07:40 Speaker 03 No, I'm not going.
1:07:41 Caleb Hammer? You're not going?
1:07:42 Speaker 03 I'm not going.
1:07:43 Caleb Hammer? Okay. You were going to go at the time of having the conversation with the producers just a few days ago.
1:07:49 Speaker 03 I was still considering it, yes.
1:07:51 Caleb Hammer? What has changed?
1:07:53 Speaker 03 The flight.
1:07:55 Caleb Hammer? What about it?
1:07:57 Speaker 03 That I-
1:07:58 Caleb Hammer? Was it gonna crash? Did the stars say it was gonna crash?
1:08:01 Speaker 03 No.
1:08:02 Caleb Hammer? What?
1:08:03 Speaker 03 I just have decided not to go.
1:08:06 Caleb Hammer? Because of the flight? What about the flight?
1:08:08 Speaker 03 It's just I don't, I can't afford the flight.
1:08:10 Caleb Hammer? Oh, the money, okay, so it wasn't covered, okay. So you had to pay for the flight?
1:08:14 Speaker 03 Yes.
1:08:14 Caleb Hammer? It's an actually halfway decent financial choice. You're right, you can't afford it. You put all your money on credit cards and your excuse is because you haven't before in a long while or something. Who even knows with this conversation?
1:08:28 Caleb Hammer? I'll let you do your little thing that people pay for and we can see if it's worth it.
1:08:35 Caleb Hammer? We'll be, we'll be back.
1:08:38 Caleb Hammer? All right. So how much do people pay for this?
1:08:43 Speaker 03 I don't normally give readings. It's not something that I'm charged for.
1:08:49 Caleb Hammer? I thought you said, okay, what's your business?
1:08:53 Speaker 03 I do, I'm a spiritual life coach.
1:08:57 Caleb Hammer? Okay, life coach me, then. Do you wanna life, spiritual life coach me or do you wanna do my cards?
1:09:03 Speaker 03 I'm gonna do your cards.
1:09:05 Caleb Hammer? I'm trying to can see your business. Okay, okay, okay.
1:09:09 Speaker 03 I have a website. You can go to the website.
1:09:13 Caleb Hammer? Plug it.
1:09:15 Caleb Hammer? Plug it.
1:09:16 Speaker 03 Plug what?
1:09:17 Caleb Hammer? Your website.
1:09:17 Speaker 03 Give it to me.
1:09:18 Caleb Hammer? No, say it.
1:09:23 Speaker 03 Dot com.
1:09:25 Caleb Hammer? Wasn't it hilarious how that entire thing was bleeped?
1:09:28 Speaker 03 Good.
1:09:30 Caleb Hammer? Okay. Keep going.
1:09:33 Speaker 03 Okay. Do you have a specific question?
1:09:37 Caleb Hammer? I don't know what I'm supposed to do. Can you, you have to be able to lead people.
1:09:42 Speaker 03 Do you have a specific question in mind?
1:09:45 Caleb Hammer? What kind of question am I asking? I don't know how this works.
1:09:49 Speaker 03 Do you have a question in mind?
1:09:52 Caleb Hammer? Uh, um, uh,
1:09:57 Caleb Hammer? the, are you gonna be able to make it to the airport without getting lost?
1:10:01 Speaker 03 This has to do with you.
1:10:04 Caleb Hammer? Um, what do I, what am I curious about myself? Well, um,
1:10:11 Caleb Hammer? uh,
1:10:14 Caleb Hammer? am I gonna upload this episode?
1:10:20 Speaker 03 There you are.
1:10:22 Caleb Hammer? Okay. White dude. Blonde hair.
1:10:26 Speaker 03 Well, fair male.
1:10:27 Caleb Hammer? Huh?
1:10:28 Speaker 03 Fair male.
1:10:29 Caleb Hammer? Fair male?
1:10:30 Speaker 03 Fair male.
1:10:31 Caleb Hammer? Fair male?
1:10:32 Speaker 03 Mm-hmm.
1:10:36 Speaker 03 There's somebody around you who's a blonde female? More like a cal-.
1:10:39 Caleb Hammer? That's a ginger.
1:10:42 Speaker 03 Still?
1:10:43 Caleb Hammer? Oh, okay, yeah, there's, I know a couple blondes.
1:10:47 Speaker 03 Ginger.
1:10:52 Speaker 03 Do you want a family in the future?
1:10:53 Caleb Hammer? Yeah.
1:10:56 Speaker 03 Three kids?
1:10:58 Caleb Hammer? Okay.
1:11:04 Speaker 03 Do you have a sports car?
1:11:05 Caleb Hammer? Nope. Uh, it does Zoom, but it is technically a family, family car.
1:11:11 Speaker 03 Sports? Like, sports mode?
1:11:13 Caleb Hammer? Yeah, yeah, I guess.
1:11:15 Speaker 03 Grapevine. What do you guys be talking about?
1:11:18 Caleb Hammer? What are you saying? Huh?
1:11:20 Speaker 03 What do you guys talk about?
1:11:20 Caleb Hammer? Who's you guys?
1:11:22 Speaker 03 Like, the people around you, the people that surround you.
1:11:25 Caleb Hammer? Uh, here we talk about work and our lives and things in social.
1:11:30 Speaker 03 So are you dating?
1:11:33 Caleb Hammer? Yes.
1:11:34 Speaker 03 Okay, have you considered like, is it something serious?
1:11:38 Caleb Hammer? It could be.
1:11:40 Speaker 03 Have you made it like official? Because I'm seeing open relationship with this ice queen. If it's not your, if it's not somebody older than you, is she a little bit older than you?
1:11:49 Caleb Hammer? No.
1:11:50 Speaker 03 Okay, is she the same age?
1:11:52 Caleb Hammer? No.
1:11:52 Speaker 03 Okay, so.
1:11:54 Caleb Hammer? It's going really well. I'm glad people don't pay you for this. Keep going.
1:11:58 Speaker 03 Well, I'm just saying, but this part is true.
1:12:02 Caleb Hammer? That I'm a guy? Yes, that is true.
1:12:06 Caleb Hammer? Confirmed.
1:12:08 Speaker 03 That you want a family?
1:12:11 Caleb Hammer? Yep, which I think you would get with most people.
1:12:15 Speaker 03 The family talking about it? You don't talk about your love life to people? You're pretty detached. You're pretty detached.
1:12:22 Speaker 00 Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.
1:12:51 Speaker 03 Catch from your love life?
1:12:54 Caleb Hammer? And like, what would that mean?
1:12:55 Speaker 03 Like, it takes you a while to know that that person is your person.
1:12:59 Caleb Hammer? No, I move quick, actually. You're not doing this very well. I'm sorry. I move quick.
1:13:06 Speaker 03 I don't believe you.
1:13:06 Caleb Hammer? I can determine if I like someone quick. I'm snap judgment if I'm going on a second date or not.
1:13:14 Speaker 03 That's dating. I'm talking about commitment.
1:13:18 Caleb Hammer? Um, whether or not I want to with that person. It's a little, it's interesting. I mean, this, this person's a little more long distance. So that makes it this one a bit more complicated compared to like something else.
1:13:29 Speaker 03 Okay.
1:13:33 Speaker 03 I hope it works out.
1:13:34 Caleb Hammer? That's it?
1:13:35 Speaker 03 Yeah.
1:13:36 Caleb Hammer? That's all you fucking got?
1:13:37 Speaker 03 Yeah.
1:13:38 Caleb Hammer? So nothing?
1:13:40 Speaker 03 No, it's very discouraging. I'm sorry, guys, I can't do it.
1:13:43 Caleb Hammer? What?
1:13:44 Speaker 03 I can't do it.
1:13:45 Caleb Hammer? You can't do what?
1:13:46 Speaker 03 The reading, I got discouraged.
1:13:48 Caleb Hammer? You got discouraged?
1:13:49 Speaker 03 Yeah.
1:13:50 Caleb Hammer? Why?
1:13:51 Speaker 03 I just damn.
1:13:52 Caleb Hammer? Because half your things you're saying were wrong?
1:13:54 Speaker 03 Yeah.
1:13:58 Caleb Hammer? Why would be discouraged as well if I was bad at my job?
1:14:02 Speaker 03 Yeah, I am bad. I'm sorry. I can't do this.
1:14:07 Caleb Hammer? What?
1:14:08 Speaker 03 I'm very discouraged right now.
1:14:10 Caleb Hammer? Can't do what? The reading?
1:14:12 Speaker 03 Yeah.
1:14:16 Speaker 03 I mean, just all of it, like the scammer part and just everything. I just was not expecting
1:14:28 Speaker 03 like, once this goes out to your to the internet.
1:14:33 Caleb Hammer? Right, of what you were on boarded for.
1:14:35 Speaker 03 Yeah.
1:14:35 Caleb Hammer? Multiple times.
1:14:36 Speaker 03 Yeah, no, no, no. I totally agree, but I didn't know that.
1:14:42 Caleb Hammer? That I would call it as I see it?
1:14:45 Speaker 03 Not necessarily the stuff that I said was going to be
1:14:51 Speaker 03 used against me like that.
1:14:53 Caleb Hammer? But you do scam people.
1:14:54 Speaker 03 I don't personally scam anybody.
1:14:56 Caleb Hammer? I'm not trying to hurt your feelings, but you're you should not be selling a program online that you are not qualified for.
1:15:02 Speaker 03 That is not, that is not, besides that, but the agency is what pays my bills right now.
1:15:07 Caleb Hammer? You call the agency a scam. You said that before you came on the show.
1:15:11 Speaker 03 That
1:15:11 Caleb Hammer? Lindsay, what was said? Lindsay, what was said?
1:15:14 Speaker 03 But there is
1:15:15 Caleb Hammer? She called the agency a
1:15:18 Speaker 06 So you refer to it as a Ponzi scheme because they give you money to pay clients, but if sometimes they don't give you enough to pay clients, so you have to pay them on your credit cards and then they reimburse you, but then it gets categorized as income for you and not as a reimbursement. That's what I had written in my notes.
1:15:38 Speaker 03 The way that happened is because they pay me through PayPal. And so if the money is not there in my account, it goes on to the credit card. But that's because the creators have earned that reward and I have to give them that reward.
1:15:54 Caleb Hammer? Listen, the thing is
1:15:59 Caleb Hammer? Like, I call it as I see it, and I know there's roasting here as we had permission for, from you, and as the multiple onboarding videos and phone calls you went through was provided. So I get it. But I'm gonna call it as I see it. I'm not just gonna be like, yes, you should go make a class on something you're not qualified to speak on. Yes, you should stay at a job instead of being irresponsible, honestly. And again, this is not to be an insult parent. And go [bleep] in work and put your kid in a school district that would better cater to their needs.
1:16:26 Speaker 03 But you don't understand the area that I live in, so that's not-
1:16:29 Caleb Hammer? Only because you won't go out and get a job.
1:16:33 Speaker 03 Again, why do you think I'm trying to move out of that area?
1:16:37 Caleb Hammer? Well, there we go. But you're not gonna be able to unless you get a job.
1:16:39 Speaker 03 Right, and I've applied for different jobs to get to that point.
1:16:44 Caleb Hammer? And why don't you get a job? Listen to how you've been in this interview. Let's be real. Let's be real. Let's cut the [bleep]. Let's cut, cut, trying to make jokes on my behalf. Let's be real. If you were applying for a job here, you wouldn't make it halfway into a first round. You need to work on your interview skills. Maybe you need to take programs on your interview skills. You could not hold an interview to save your life. When I ask you about your leadership skills, you say you're organized. Like, you need to work on your interview skills. Your resume is probably a mess. You need to... You're in a cycle right now, okay? Here's the financial audit for you. You're in a cycle where you are not able to make enough money to get out of subsidized housing and you live in a bad area where the school district is bad because you live in subsidized housing.
1:17:27 Caleb Hammer? You know, because you're forced to live in subsidized housing. But you are not able to escape that. And it's because you think you are above where you actually are mentally. You think you will have your skills higher than you actually do. Your resume... Can I see your resume? Do you have a resume?
1:17:41 Speaker 03 Yes.
1:17:42 Caleb Hammer? Can I please see it?
1:17:44 Caleb Hammer? This is a no bull [bleep], okay? I'm not bull [bleep]. I'm not roasting anymore. I'm not doing anything. Let's be honest of where you're at. That's where it is. You're in some entrepreneurial zone where you put in 30 hours a weekend in nothing. Instead of actually, listen, if you have time to work 30 hours, I bet we could at least do some online bull for seven hours an hour.
1:18:08 Caleb Hammer? Which is more money than zero. Okay, resume, one and a half pages, immediate, eh, you're getting cut.
1:18:15 Speaker 03 That is.
1:18:17 Caleb Hammer? Really, you're gonna defend it against it even though we already know where you're in?
1:18:20 Speaker 03 That is a condensed version because not everybody wants.
1:18:23 Caleb Hammer? Your condensed version is a page and a half. I thought we were cutting the bullshit.
1:18:28 Speaker 03 That is the condensed version of my resume. That's the most recent experience that I have.
1:18:33 Caleb Hammer? Can you listen to someone that has helped people get into career tracks that have helped change? It should be no longer than one page for your position. For what you're trying to do. Okay, let's look at what's actually in here. I, I don't know why there's a personal summary on your resume. Honestly, I thought you, you should probably just have skills. You know, relevant skills that will get keyworded through the search algorithm. As for applying, okay? This is as someone who's actually going through like hundreds of resumes a day because we're hiring a lot. But okay, here, results driven with, the spacing is horrible. This is double spaced, it's harder to read. Results driven professional with expertise in onboarding, project coordination, and customer success. What is the job you're applying for for that? Because that is everywhere.
1:19:15 Caleb Hammer? A resume should be tailored to the job that you're trying to do. No wonder you're not getting interviews.
1:19:21 Caleb Hammer? Skilled in, okay, what AI service did you use for this? Skilled in process optimization, training and development, and quality assurance with a proven space, space, space, ability, space, space, space, to space, space, drive, space, space, space, efficiency, and enhanced team performance. Adept at stakeholder communication. Oh, these are just buzzwords central.
1:19:45 Caleb Hammer? Okay.
1:19:47 Caleb Hammer? Competence management and technology-driven solutions.
1:19:51 Caleb Hammer? Seeking a role in onboarding, project coordination, quality assurance, or customer success, where I can leverage my expertise in operational existence. And we got to single spacing at that point, okay.
1:20:04 Caleb Hammer? No offense, I see, I'm cutting the... I would not interview you. I would not put you into a first-round interview. Just looking at that, and I've barely made it a third into one page, okay? Can you take that to heart? Because I want you to get a good job, because I want you to have a better life for your kid, okay? Can you take that into heart? If we walk away with anything, your resume, okay?
1:20:27 Speaker 03 Again, that was just a condensed version. Yes, okay.
1:20:30 Caleb Hammer? A condensed version is all it should be. You should not have a four-page resume.
1:20:34 Speaker 03 Right.
1:20:35 Caleb Hammer? A resume should be a condensed version. I'm not making fun of you. I am, I want you, let's walk away with actionable things, okay? All these spacings, it's weird that that first part was just pointless, okay? Core skills and competencies, okay? See, it feels like we basically already talked about that. So we're double-dipping, except this is like the bullet point version. Onboarding and training, process improvement, project coordination, talent acquisition, customer success, stakeholder engagement, quality assurance, competence auditing, HEDIS, Microsoft Office Suite, Google Docs, SharePoint, CMS. Okay, everyone already assumes Microsoft Office Suite and Google Docs. You really don't have to do that.
1:21:15 Caleb Hammer? A lot of these things, you really need to focus, are you going to be a recruiter? If you're going to be a recruiter, let's focus on just recruiting skills. Are you going to be a customer service representative? Let's focus on customer service. You're double-dipping in both, and then all of a sudden we went into auditing, like, okay. Okay. Professional experience. Creator or manager, this is your current job?
1:21:36 Speaker 03 Creator-manager, mhm.
1:21:38 Caleb Hammer? Recruit, train, support, content creators, tech support platforms, ensuring alignment, developing onboarding processes, providing on, feedback, okay.
1:21:48 Caleb Hammer? This is all very long-winded. Did you put this through a resume program? Because they can like tell you how bad it is.
1:21:55 Speaker 03 Yeah, I did.
1:21:56 Caleb Hammer? And?
1:21:57 Speaker 03 I did one through Indeed and...
1:22:00 Caleb Hammer? Okay, onboarding specialist, good. Okay, let's focus on onboarding. You might be a recruiter. You might be a good recruiter. You might be a good recruiter. That could be a thing. And that's money. It's commission. A lot of it. Sometimes it's flat. Connected virtual orientations, educated new hires, assessed candidate qualifications. Lead onboarding project administrator from 2015 to 2019. Service lead onboarding, where we know that. That's what the job title was. Conducted quality insurance audits, manage case analysis. Project coordinator, compliance analyst. Okay. Education. High school diploma, health service manager. You don't say what you got. Did you get a certification? Or like, did you get a degree?
1:22:45 Caleb Hammer? Because you're not saying, you're just saying where the location was.
1:22:48 Speaker 03 They fixed it like that, but I have
1:22:50 Caleb Hammer? Okay.
1:22:51 Speaker 03 two AA degrees and two certifications.
1:22:57 Caleb Hammer? Technical skills, ATS, HR software. Yeah, yeah, you need to be focused this up. Do you want to be a recruiter? A talent recruiter?
1:23:05 Speaker 03 I was trying to stay along the lines with the creator manager.
1:23:11 Caleb Hammer? Okay. Is that what you want to do? Is that the dream job?
1:23:14 Speaker 03 That's not my dream job.
1:23:15 Caleb Hammer? Okay, what's your dream job? Let's do that.
1:23:18 Speaker 03 I would like to be an entrepreneur and...
1:23:20 Caleb Hammer? That's not a job. You'd have to tell me what you want to be an entrepreneur in.
1:23:25 Speaker 03 Really, it's to be, to have my own agency. Not on TikTok, but in like entertainment, like helping people get brand deals and sponsorship.
1:23:36 Caleb Hammer? Okay. Okay. So maybe before you do that, you should work at an agency.
1:23:42 Speaker 03 I've, that's why I started to apply and that was one reason why I was coming to Austin, was to bring, put myself in that industry because this is like the little tech central.
1:23:56 Caleb Hammer? Austin's big with that?
1:23:57 Speaker 03 Yes.
1:23:58 Caleb Hammer? Okay. Well, okay, then we need to cater our resume to that. Your resume is not catered to that right now. Right now, it's about onboarding customers and recruiting talent. You know, let's focus on your sales skills, scale, sales skills and being able to manage those relationships and keep those brands around. Okay? Uh, and also unless you're on like the talent acquisition side, then focus on that. That resume is close to that. Get rid of that first section. Let's make it just get the, the, the, the words needed to get through the algorithm. Use the resume services that are online. It's like a couple bucks. It's usually worth it. Like when I did that, when I was looking for my second product management job, when I moved from my first company that I worked for, when I moved down here to Austin,
1:24:38 Caleb Hammer? I just, I gamed the resume and I got interviews, like five interviews a day. Five interviews a day. It was an easier time for hiring. I will acknowledge that. But, and then I nailed those interviews and I made it to final rounds endlessly. You just have to play the game. It's all a game, unfortunately. That's what it is. That's what you have to do.
1:25:00 Caleb Hammer? Okay. We have a Navy Federal.
1:25:05 Caleb Hammer? So two Navy Federals?
1:25:07 Speaker 03 Cards?
1:25:09 Caleb Hammer? Well, this is a, uh, this is a loan, it seems, of $3,678.33.
1:25:18 Caleb Hammer? What is it for?
1:25:20 Speaker 03 That's a leftover balance?
1:25:23 Caleb Hammer? For what?
1:25:24 Speaker 03 I'm asking this, is that if that's what you're looking at?
1:25:27 Caleb Hammer? Remaining balance is $3,678.33.
1:25:30 Speaker 03 So originally I was going to get, um, have a surgery and, um,
1:25:36 Caleb Hammer? You okay?
1:25:37 Speaker 03 Yes.
1:25:38 Caleb Hammer? Okay.
1:25:38 Speaker 03 And it was just an elective surgery and I,
1:25:42 Caleb Hammer? But you didn't have the surgery?
1:25:43 Speaker 03 I didn't have it and I just decided to keep the money in there.
1:25:52 Caleb Hammer? You have a kid, two. The 20 year old, do they help?
1:25:58 Speaker 03 No.
1:26:00 Caleb Hammer? Are they still at home?
1:26:02 Speaker 03 Yes.
1:26:03 Caleb Hammer? They live at home?
1:26:04 Speaker 03 Yes.
1:26:06 Caleb Hammer? Rent? You haven't paid rent?
1:26:08 Speaker 03 No.
1:26:09 Caleb Hammer? Haven't paid rent? Does he work?
1:26:11 Speaker 03 Um, he does some side jobs, but he's going to school.
1:26:15 Caleb Hammer? Oh, okay. What does he do?
1:26:16 Speaker 03 He does software engineering.
1:26:18 Caleb Hammer? School? For school? That's great. Okay, full time school?
1:26:21 Speaker 03 Mm hmm.
1:26:22 Caleb Hammer? Okay, I'm, I support that. Cool. Good. He doesn't have to pay rent. By the way, if you want to come on the show, you can go to Caleb Hammer account on social plane. If you don't want to be like this, use the budget app. If you sign up for the annual version, I'll send you the cookbook for free, right to you, signed by me. Okay, so the personal loans, the 11.19% and you just kept it? When did you take it out?
1:26:39 Speaker 03 21 or 22.
1:26:41 Caleb Hammer? No, it wasn't. You've been holding this for that, for years? Three, four years?
1:26:47 Speaker 03 Yeah.
1:26:48 Caleb Hammer? How much was it when you borrowed it? What was the original amount?
1:26:50 Speaker 03 I think it was 8,500.
1:26:54 Caleb Hammer? Dude, that's 281. No wonder you can't survive. You keep building these debts and then you have these minimum repayments that you can't even come close to affording. They have notes for things throughout the conversation so I can follow along because they know your story. I don't, I go in blind. But they're not bringing up the bad things that happened at that job. They're specifically saying that you told them that you were having conversations to get people placed in jobs at service industries, but that last minute people to fill spots at establishments. Like, they're not bringing up any of the stuff you brought up?
1:27:25 Speaker 03 I'm pretty sure that the NDA has expired because I tried to sue them.
1:27:32 Caleb Hammer? I don't know if that makes an NDA expire, you trying to sue them.
1:27:35 Speaker 03 Yeah, because I didn't go with the right to sue.
1:27:41 Caleb Hammer? Huh? At firing?
1:27:43 Speaker 03 The last job that I worked at.
1:27:44 Caleb Hammer? You've signed like a severance agreement?
1:27:46 Speaker 03 No, I didn't sign it.
1:27:47 Caleb Hammer? Okay, so you can't sue.
1:27:48 Speaker 03 But I went to, I went through the process of going the, like...
1:27:54 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive, save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.
1:28:22 Speaker 03 Through the government to get it.
1:28:24 Caleb Hammer? And?
1:28:25 Speaker 03 So because I didn't have a lawyer and they had lawyers, they didn't, they got, they got away with it.
1:28:33 Caleb Hammer? I agree, but you didn't report it to a government agency of some kind?
1:28:36 Speaker 03 Yes, I did.
1:28:36 Caleb Hammer? You did, and what happened?
1:28:37 Speaker 03 They let it go because, and they gave me the right to sue them. So they're saying that on their end, no laws were technically broken because it was with the third party of the individuals.
1:28:49 Caleb Hammer? Unfortunately, I can, I can see that legally. I can see that legally. Now, however, you reporting them, I would have rather than put in some safety mechanisms, but it's probably impossible. And unfortunately reasonable to assume that they cannot control what a third party does. Third party was a piece of [BLEEP]. They couldn't do anything though, right? And you can analyze that, right?
1:29:12 Speaker 03 To a certain extent, but if it's happening not just to me, but other-
1:29:16 Caleb Hammer? I agree. They need, they would need to put in a lot of safety mechanisms, lots of vetting.
1:29:20 Speaker 03 And not just vetting, but the background checks. They, there's no background checks on, on the platforms like that.
1:29:26 Caleb Hammer? Would the background checks show that they will show PP?
1:29:30 Speaker 03 Not show PP, but eliminate the predators that are coming on to, because-
1:29:35 Caleb Hammer? So if they're on the sex offenders list?
1:29:36 Speaker 03 Yeah, there's-
1:29:37 Caleb Hammer? Okay, I agree.
1:29:38 Speaker 03 We're bringing people on to the platform that even if they do say that we vet them and they clear that vetting stage, but we're sending them out to clients and now they're sexually harassing people in public.
1:29:52 Caleb Hammer? I agree, I'm understood. I agree. I don't know if there's a legal case there, that's the hard part, because I can see the reasonable doubt of like, oh, you know, we can't control, but what they're, what someone's going to do regardless of who they are, but I agree, they should have put in a lot more safety mechanisms.
1:30:07 Caleb Hammer? What? Okay, what is this? $13,939.12 with a 3.19% interest rate loan. It's much, it's a very reasonable interest rate. What is this?
1:30:15 Speaker 03 My car.
1:30:16 Caleb Hammer? That's not bad. I mean, the minimum payment is bad. And that's what's a struggle to you is this is a fourth of your income on a monthly basis. This is a fourth of your income because you won't go get a job. What's the car?
1:30:28 Speaker 03 A Highlander.
1:30:29 Caleb Hammer? Year?
1:30:30 Speaker 03 Twenty-one.
1:30:31 Caleb Hammer? Okay, well, it's worth $37,000? Sell it, get a $10,000 car and pay off your, pay off all, what the fuck? And pay off some of this debt so you can get rid of minimum payments because the minimum payments are what are killing you. What are we do- what are we doing? Sell this yesterday. Thirty-eight thousand bucks. What?
1:30:54 Caleb Hammer? Why haven't you?
1:30:56 Speaker 03 Because it's, I don't know, something that I worked so hard to get.
1:31:00 Caleb Hammer? I agree, but now you have a lot of debt and I care about you being able to keep the roof over your head? And when you can't even pay a hundred dollar rent, that's when you know it's getting bad. Okay, are these student loans? How much is student loans? Oh, it's gone, it's gone from 62,000 to 68,000, right?
1:31:21 Caleb Hammer? You're probably on like-
1:31:22 Speaker 03 No, it's that they stopped it at 68.
1:31:24 Caleb Hammer? Yeah, current, okay, so
1:31:28 Caleb Hammer? what's your minimum payment?
1:31:29 Speaker 03 I don't make any payments a month.
1:31:31 Caleb Hammer? And that's why it's going up because there's probably interest accruing and you're low income enough because you won't work to get.
1:31:39 Caleb Hammer? So this is zero.
1:31:43 Caleb Hammer? You, you don't have to be in that position.
1:31:48 Caleb Hammer? Uh, okay, Go program? What's that?
1:31:51 Speaker 03 My child support.
1:31:52 Caleb Hammer? So she gets her child support in there and then she goes to Dairy Queen, Hello Sugar, Fries, In-N-Out, Fries, KFC. Not one necessity so far. Shoebox, Jack in the Box.
1:32:02 Speaker 03 The shoebox.
1:32:03 Caleb Hammer? That's money coming in. Dutch Bros, Dairy Queen, Hello Sugar, Fries. There's not one thing in here. Uh, going in, getting some BS. There's money coming in. Cartel Roasting, Taco Bell, McDonald's. Wow. So none of the child support is going to necessities right now?
1:32:19 Speaker 03 Some of it does.
1:32:20 Caleb Hammer? Okay. Well, so far, no.
1:32:21 Speaker 03 Fries is a grocery store.
1:32:23 Caleb Hammer? Hmm. Okay. Let me see. Yeah, but it was 18 bucks. I highly doubt you got groceries for 18 bucks. You went in there, he stops and got some BS. Like almost anytime we vet anything under $25, it's usually BS when people stop at a place like Target, gas station, grocery.
1:32:38 Speaker 03 Well, it's for her.
1:32:40 Caleb Hammer? Uh, Chapman's Sunday, Davenport, Sam's Boat, whiskey river. Went and got some BS. Went and got some BS. There hasn't been one thing from our child support to support a trial. Gas. There we go. I can, can do gas, but that's one out of what? What have we done? 20 so far? Chick-fil-A, Texas news, $41? Oh my gosh. Chapman and Kirby, Chapman and Kirby. This is your child support money. I'm, I'm, I'm a little disgusted right now. I'll be honest. I'm just gonna, I'm cutting it. I'm got the bullshit. I'm a little disgusted. Went and got some BS, Jersey Mike's, grill, auto,
1:33:25 Caleb Hammer? gas, Chick-fil-A, Dutch Bros, Jack in the Box, Applebee's, McDonald's, Dutch Bros, Audible. We already talked about going to the library, come fuck on. In-N-Out, Moose Creamery. There's your child support coming in. So we got ink and Dutch Bros and Jack in the Box. Listen.
1:33:44 Caleb Hammer? That says all that needs to be said. No, no, no.
1:33:48 Speaker 03 Okay. That is, that is her. If that's what she wants, then she can have that.
1:33:52 Caleb Hammer? Let's cut through the bullshit. She's in nine, right?
1:33:57 Speaker 03 She's eight. If that's what she wants.
1:34:00 Caleb Hammer? You know what? She, it's up to her.
1:34:02 Speaker 03 If that's what she wants.
1:34:03 Caleb Hammer? An eight-year-old. Maybe we should do school supplies. Maybe we should focus on.
1:34:07 Speaker 03 She has that.
1:34:09 Caleb Hammer? Buddy, you're, all your child support money is going to fast food. It is disgusting and unacceptable.
1:34:15 Speaker 03 Okay.
1:34:16 Caleb Hammer? You disagree.
1:34:19 Caleb Hammer? Do you disagree?
1:34:20 Speaker 03 No.
1:34:21 Caleb Hammer? Then why do you allow it?
1:34:23 Speaker 03 Because that's what she wants.
1:34:25 Caleb Hammer? Okay, can someone correct me if I'm wrong? Does the eight-year-old get to choose where their child support money goes? Is that how it works legally? I don't think that's how it works legally.
1:34:34 Speaker 03 They're only paying a certain portion. It's not even a lot of money that is-
1:34:38 Caleb Hammer? It's forty percent of your income.
1:34:40 Speaker 03 If that's what she wants.
1:34:44 Caleb Hammer? Does a eight-year-old child get to choose where her child support money goes? Or does the primary caretaker, who is receiving the child support for that child, get to choose where that money goes? Shall we find out?
1:35:03 Caleb Hammer? Because again, I don't believe you, but it's like, you're able to scam people in a very convincing way where I think you're doing that.
1:35:12 Speaker 03 Who is scamming?
1:35:13 Caleb Hammer? Okay, child, the primary caretaker receives the child support, has full control over deciding how the money is spent, not the child, especially now at the age of eight. There we go, [bleep] you. I mean, like, I'm disgusted. I'm disgusted. This went from a funny conversation in the beginning because you couldn't answer the conversation, to a conversation where I'm cutting the [bleep], to a conversation where I'm now disgusted. And then the checking account, it's all [bleep]. It's all [bleep]. One dollar in the checking account? Come on, this is [bleep] Grubhub.
1:35:39 Speaker 03 One, one dollar?
1:35:40 Caleb Hammer? Grubhub! Sorry, sorry, sorry, sorry. No, there's more than that. That was the dividend. Four thousand. I don't know why we're not paying out that, but we're moving money, moving money, moving money. PayPal, PayPal, PayPal, PayPal, Dutch Bros. PayPal.
1:35:58 Caleb Hammer? Grubhub. PayPal. Dutch Bros. PayPal. PayPal, PayPal. Can you polish your PayPal for me? PayPal, PayPal, PayPal. Cash app, cash app. I want to see the cash app, too.
1:36:10 Caleb Hammer? Because ew, disgusting. Thousand savings.
1:36:18 Caleb Hammer? I'm ashamed.
1:36:21 Caleb Hammer? Do you not feel ashamed?
1:36:25 Caleb Hammer? Not to make you feel bad, but just the reality of your situation.
1:36:32 Caleb Hammer? It's giving people birthday money, super chat money, super chat money. Super chat money for the dog, super chat, super chat, super chat. What is all the super chat? It's all for one person.
1:36:44 Caleb Hammer? Tell me what it is.
1:36:45 Speaker 03 It's a super chat.
1:36:46 Caleb Hammer? You have to pay them?
1:36:47 Speaker 03 I pay them.
1:36:48 Caleb Hammer? I thought you were done with that.
1:36:50 Speaker 03 For TikTok? Yeah.
1:36:52 Caleb Hammer? Oh, dude, it's $10 super chat, $10. And they're just replying heart, heart. You're super chatting this, this person endlessly.
1:37:00 Speaker 03 Endlessly? It's not endlessly.
1:37:01 Caleb Hammer? No, it's endlessly. It's twice a day. Dude, it is all your money. That was Cash App. What about the PayPal? I asked for the PayPal.
1:37:12 Caleb Hammer? Log in, please.
1:37:20 Caleb Hammer? She has a pay later balance. Guys, she has a pay later balance of $700. She has a pay.
1:37:29 Caleb Hammer? We didn't even know this.
1:37:32 Caleb Hammer? We didn't even fucking know this.
1:37:36 Caleb Hammer? Travel, travel.
1:37:39 Caleb Hammer? Jeez.
1:37:47 Caleb Hammer? Domino's. Starbucks. TikTok. Fiverr.
1:37:56 Speaker 03 No, the TikTok?
1:37:57 Caleb Hammer? Union. TikTok, TikTok.
1:37:59 Speaker 03 That's not.
1:38:00 Caleb Hammer? Yes.
1:38:01 Speaker 03 That's not, that's not what I'm spending on.
1:38:03 Caleb Hammer? Yes, those were negative. I didn't call out the positives.
1:38:08 Caleb Hammer? Sheen, Bull. I'm not even gonna go through it all. This is all, this is so fucking stupid. I'm, I'm disgusted and this is, this is, this is, this is shame, this is shameful. This is shameful. I'm so sorry, kind of.
1:38:26 Caleb Hammer? Uh, Black Century Black Dating App. That's our active subscription.
1:38:30 Speaker 03 No, it's not active.
1:38:31 Caleb Hammer? Uh, it looks like you've set it to cancel. You set it to cancellation, yes. Okay. I'm sorry. I'm sorry. This is the reality and the fun, the fun fact is I'm gonna break my promise immediately. I promised Lindsay that I'm making a budget for every episode. There's not a budget to be made here. Come on, you have to agree. This isn't a budget issue. She's blowing all her money. She won't go get a job. She, well, she can't create a resume to get a job. She's not willing to like work with people. I'm sorry, there's not.
1:39:04 Speaker 03 There's not, it's not a fact that I won't create a resume.
1:39:08 Caleb Hammer? You're spending thirty hours a week on education.
1:39:10 Speaker 03 That I'm not doing the things that I'm supposed to be doing to get myself ahead. I am. You're not at my house. You're not on the computer with me. You don't know the things that I'm trying to.
1:39:20 Caleb Hammer? I think we've seen in your life pretty well here.
1:39:22 Speaker 03 Okay.
1:39:23 Caleb Hammer? It was a snapshot, but I think we're getting a pretty clear picture. This is the reality. You need to master your resume. You need to figure that out like crazy. Put it through every service, one page, no more spaces, cut that top section, algorithmically define it for the job you're looking for instead of five jobs in one resume. You need to algorithmically make it pungent for what you're going for. You get all the resources and I know it's bad when I don't make a budget, but there's no budget. That is not the issue. That is not the issue. You blow all the money. That is not the issue, you living in a budget. You couldn't because you make no money because you spend all your time around. I'm sorry, Hammer Financial Score, zero out of ten. We'll talk more
1:40:06 Caleb Hammer? in the post show and usually it's a little happier, but they probably know something that they know. See, now we didn't even go through like half their fucking notes. I'm sure there's some juicy stuff we're gonna talk about. So join Hammer Lee for the best YouTube membership on the entire platform. The platform has said it themselves. And make sure you download the simpler budget app. Sign up for the premium version for annual. I'll send you the cookbook signed right to your doorstep.
1:40:30 Speaker 04 And maybe you could use it and actually cook a meal sometime. Instead of going and jacking the box. Seen the box.
1:40:35 Caleb Hammer? You're getting in drama with other creators, what?
1:40:37 Speaker 03 Yeah, I had to put injunction of harassment against somebody.
1:40:40 Caleb Hammer? Who? On TikTok. Is it a big creator?
1:40:42 Speaker 03 He is a mediocre creator.
1:40:44 Caleb Hammer? You had to file harassment against this guy?
1:40:46 Speaker 03 He used to play for the Seahawks.
1:40:48 Caleb Hammer? He played for the Seattle Seahawks? How much were you paying in this chat?
1:40:51 Speaker 03 Yeah, it was like... I was definitely...
1:40:55 Caleb Hammer? I was joking, but I guess not. Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.
1:41:07 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates, another insurers, not available in all states.
Previous Privileged Freak Is A Certified Moron | Post Show Next He Came Here To Fight Me | Financial Audit Page updated November 3, 2026 · transcript and summary are machine-generated