I've Never Seen Anything Like This | Financial Audit

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

• 0:01Speaker 00

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

• 0:27Speaker 01

  Born from the intensity of a night in the eternal city. Introducing Born in Roma Fragrances by Valentino.

• 0:36Speaker 01

  Feminine perfume Donna Born in Roma features juicy black currant, central jasmine, soft cashmerin, and warm vanilla. Masculine leaning but unisex Womo has notes of fresh violet leaf, aromatic sage, green vetiver, and mineral salt. Shop holiday gifts at Macy's.com.

• 0:56Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. The thing we do if we're in between a rock and a hard place is we don't [BLEEP] our entire life up with endless amounts of debt. That's you being an idiot. That has nothing to do with your child. This paperwork is on you, on you, on you, on you. So $1,500 on what, Disney?

• 1:14Speaker 03

  Well, we have passes that-

• 1:16Caleb Hammer?

  No, the literal state's about to subsidize you because you can't afford to live and you're going to Disneyland? [BLEEP] you.

• 1:23Speaker 03

  Well, I don't see it that way, but yeah.

• 1:25Caleb Hammer?

  Well, it is mathematically that way.

• 1:26Speaker 03

  Thanks for the tax payment.

• 1:29Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase at hammerelite.com.

• 1:40Speaker 03

  Hi, my name is Lex and this is Financial Audit. Sorry, didn't do it right.

• 1:45Caleb Hammer?

  You did not do it right. You're-

• 1:47Speaker 03

  I told you I'm so ADD.

• 1:49Caleb Hammer?

  How old are you?

• 1:50Speaker 03

  Oh, 37. Okay, I'll do it again.

• 1:51Caleb Hammer?

  And where do you-

• 1:52Speaker 03

  Oh, in Los Angeles.

• 1:53Caleb Hammer?

  Welcome, Lex, from LA. Happy to have you here. What do you do for a living there?

• 1:58Speaker 03

  I am a photographer.

• 1:59Caleb Hammer?

  Well, I guess if there's a place to be a photographer, LA or New York would probably be that place. Please tell me you do well because LA is so [BLEEP] expensive because they refuse to build housing and they only do performative policies instead of things that actually help people. Do you make good money? And something tells me you have voted for those performative policies instead of things that actually encourage housing to make your housing cheaper like here in Austin, Texas?

• 2:21Speaker 03

  I don't want to tell you, but I didn't vote, so.

• 2:24Caleb Hammer?

  I wasn't asking for that specifically, mostly making fun of the septum piercing.

• 2:28Speaker 03

  Yeah.

• 2:29Caleb Hammer?

  What do you make?

• 2:30Speaker 03

  I, so it hit, it's hit or miss. I'm a gig worker, so I get paid by the gig, so it ranges.

• 2:37Caleb Hammer?

  Give me that range and what kind of shoots in that average on a monthly basis? You have to have a monthly average, I assume, please?

• 2:46Speaker 03

  I would estimate between 2,000 and 3,000, maybe.

• 2:53Speaker 03

  And that is why I'm here.

• 2:54Caleb Hammer?

  That's why you're here? Okay.

• 2:55Speaker 03

  Well, because.

• 2:56Caleb Hammer?

  Congratulations, then I have a solution. Get a job! Now leave. Like, that's, if that's why you're here, I think we just solved it.

• 3:05Speaker 03

  Yeah, I, uh, well, there are good months. Like, I, like, sometimes.

• 3:09Caleb Hammer?

  But you're averaging in and out. A good month, a good month, if that's averaging, three, what, what did you say? Three? So what? A good month would be five and a bad month would be one?

• 3:19Speaker 03

  Well, yeah, potentially. I mean, like, I did have a month over the summer where I made eight, but I did have to span that out for three months.

• 3:26Caleb Hammer?

  Oh, yeah, because even eight in LA as a, do you have a husband?

• 3:30Speaker 03

  No.

• 3:31Caleb Hammer?

  Or wife?

• 3:32Speaker 03

  No, I'm a single mom.

• 3:32Caleb Hammer?

  Okay. Mother!

• 3:34Speaker 03

  Yeah, and I'm in college.

• 3:36Caleb Hammer?

  Thirty-seven-year-old, septum piercing, in college. Who would have thought?

• 3:39Speaker 03

  Yeah.

• 3:40Caleb Hammer?

  Permanent student. Yep. And everything but the way of life.

• 3:43Speaker 03

  Well, I'm going to school for a secondary career.

• 3:46Caleb Hammer?

  Well, is there a primary career?

• 3:49Speaker 03

  Yeah, well, my photography. I was working part-time.

• 3:52Caleb Hammer?

  Can we call it a career?

• 3:54Speaker 03

  Well, I was working at a part-time as a barback in, uh, in a restaurant, but I got laid off. So that was where I was supplementing income and I was getting money from school.

• 4:05Caleb Hammer?

  I mean, we know the entertainment industry is down multiple percentage points year over year, almost every single year since before COVID in LA. It's really not good, and that impacts everything. It's funny, it's funny. The governor literally just, they posted a screenshot of how much was spent in LA in entertainment industry, and they cropped out the year-over-year. changing, it's down like 5%.

• 4:26Speaker 03

  So.

• 4:26Caleb Hammer?

  But that.

• 4:27Speaker 03

  I live on the outskirts.

• 4:28Caleb Hammer?

  But even still, that radiates through everything, you know, you're, you're still in entertainment and whatnot. You know, if, if they're cutting back, if places are moving to Georgia, Texas, a new film city just opened in Dallas, they're building one in Austin, going to Nevada, going to wherever overseas is huge for filming right now. It's sure cheaper filming. That radiates throughout the industry. That means it's less photography. That means it's less people going, having money to go to bars. Meaning people are laid off. Who will work at bars? It radiates. It's horrendous.

• 4:57Speaker 03

  Yeah, it's, it's pretty awful, but like where I worked is very seasonal. So like we have a busy season and an off season. So this year was a little bit harder.

• 5:06Caleb Hammer?

  What's the busy and off season in a bar?

• 5:08Speaker 03

  It's so, it's in the desert. So it is, uh.

• 5:13Caleb Hammer?

  You're talking like in the music festival?

• 5:15Speaker 03

  Well, it's not a music festival. It's just a concert venue, but it's out, it's out in, uh, it's out in the high desert. So like.

• 5:21Caleb Hammer?

  Where's the place you go and then have sex with women with dirty in the tents where no one showers every year?

• 5:27Speaker 03

  You mean?

• 5:28Caleb Hammer?

  Coachella.

• 5:29Speaker 03

  Oh, okay.

• 5:30Caleb Hammer?

  Like that?

• 5:30Speaker 03

  I've been to Coachella and I never had that experience. Where are y'all going? I want to camp.

• 5:34Caleb Hammer?

  I don't know. I haven't gone.

• 5:36Speaker 03

  Well.

• 5:36Caleb Hammer?

  Brandon stays in a tent and has sex with, I think Sandy.

• 5:42Speaker 03

  I thought that sounds more like.

• 5:43Caleb Hammer?

  Or he has Sandy foreskin. I don't remember. No, not Burning Man, but I was thinking Coachella. Cause that's, I was thinking maybe there, I guess not. Okay. That's fine.

• 5:50Speaker 03

  No, it's.

• 5:51Caleb Hammer?

  So why is it so seasonal?

• 5:52Speaker 03

  It, because we have off seasons and on seasons for tourists.

• 5:56Caleb Hammer?

  Okay, thank you.

• 5:56Speaker 03

  Tourism. It's a tourism town.

• 5:58Caleb Hammer?

  And to the high desert?

• 6:00Speaker 03

  Yeah, they go there.

• 6:01Caleb Hammer?

  You're saying LA? Like, I don't know what you're talking about.

• 6:04Speaker 03

  We have a national park out by us. So people come out to go to the national park and go camping and.

• 6:10Caleb Hammer?

  How far are you from like downtown LA?

• 6:13Speaker 03

  Two hours.

• 6:13Caleb Hammer?

  Okay, then what, what are we talking about? Like, it's very different. Cause I pulled up the median salary for someone, a single person in LA. It's about 72 to 73,000. But that no longer translates if we're two hours from downtown LA. Now I know two hours from downtown LA, Lindsay, who lived there forever, could literally be like five miles from downtown LA. So that still doesn't a hundred percent mean anything.

• 6:35Speaker 03

  Exactly. I guess I'm like a hundred and 12 miles out from LA.

• 6:40Caleb Hammer?

  Do you know where Lindsay? What is the national park? What is the national park?

• 6:45Speaker 03

  It is, it is.

• 6:46Caleb Hammer?

  You said a national park, so everyone knows what it is, right? Everyone knows what it is, right? How many national parks are there right around LA?

• 6:53Speaker 03

  Well, it's not around LA, but it's it's closer to Palm Springs. We'll say it's Palm Springs.

• 6:58Caleb Hammer?

  Okay, let's say Palm Springs then.

• 7:00Speaker 03

  Palm Springs area. I mean, everybody will know.

• 7:03Caleb Hammer?

  Like, statistics if I don't actually.

• 7:06Speaker 03

  Caleb, I used to dominate men before I was a photographer, or actually during.

• 7:12Caleb Hammer?

  How do you?

• 7:13Speaker 03

  Yeah, but I need a dom daddy myself, and I need someone to make me submissive and carry it on a budget.

• 7:19Caleb Hammer?

  Okay, well, I don't have time to jack off, so. Pause.

• 7:23Speaker 03

  What?

• 7:25Caleb Hammer?

  All right, haha, you're funny. I love when guests bring a prop. They always think they're so silly.

• 7:30Speaker 03

  I'm telling you, like, if you're not gonna.

• 7:32Caleb Hammer?

  Is that an actual thing that you used to do?

• 7:34Speaker 03

  Yeah.

• 7:34Caleb Hammer?

  Why'd you stop? Because I think that needs to be your primary career. Because clearly, this isn't working out. You're making like 30,000 hours a year, and you're saying you're a single mother?

• 7:43Speaker 03

  Yes, well, the.

• 7:44Caleb Hammer?

  Start beating men.

• 7:46Speaker 03

  Well, the thing is, is that I don't want to, I didn't want to sexualize my pregnancy. That's why I quit.

• 7:52Caleb Hammer?

  Would it be?

• 7:54Speaker 03

  Well, because people.

• 7:55Caleb Hammer?

  Or would you still just be over and over again, still?

• 7:57Speaker 03

  Well, I didn't like it being in public. I wanted to keep the anonymity. Well, like, not public, but like, I didn't want it to be in person. I didn't want people to know my life or my personal life and stuff, so that's why I quit.

• 8:08Caleb Hammer?

  Pregnant?

• 8:09Speaker 03

  Well, that I was pregnant, that I like have a family, like, I didn't want people, because a lot.

• 8:13Caleb Hammer?

  How much were you making beating men? What were you doing?

• 8:15Speaker 03

  I wasn't making much. It was like.

• 8:17Caleb Hammer?

  Okay, then what the fuck are we talking about? What were you doing?

• 8:19Speaker 03

  I was taking photos of them. They were dressing up. I would, you know, beat them, financially dominate them.

• 8:26Caleb Hammer?

  Financially dominate them?

• 8:27Speaker 03

  Mm-hmm.

• 8:28Caleb Hammer?

  What's that?

• 8:28Speaker 03

  Uh, where I pretty much like yell at them to give me money, or like, it's like they want to be blackmail, they get off.

• 8:34Caleb Hammer?

  Making much?

• 8:35Speaker 03

  Yeah, no, I was making.

• 8:36Caleb Hammer?

  Did they come?

• 8:37Speaker 03

  Uh, it depended.

• 8:38Caleb Hammer?

  Was this in person?

• 8:39Speaker 03

  Sometimes it was.

• 8:40Caleb Hammer?

  What did you do to them in person?

• 8:42Speaker 03

  Well, most of the time I had, they're, they're called sissy boys. And they would like to dress up in women's clothing and be told they were pretty and stuff like that. And I would kind of like feed into that. I would do their hair and makeup. I would take pictures of them. They'd wear cock cages, like, all that stuff.

• 9:00Speaker 03

  Yeah. That is, that is it.

• 9:03Caleb Hammer?

  And what did you charge for this session?

• 9:06Speaker 03

  Two fifty an hour.

• 9:07Caleb Hammer?

  And how many hours did these sessions go on?

• 9:09Speaker 03

  Two to three.

• 9:13Caleb Hammer?

  See, that's why I'm two and a half minutes in and out. I go cheap. I go cheap.

• 9:18Speaker 03

  It was cool, but it just like, it was a lot of things like-

• 9:21Caleb Hammer?

  How much were you making? Or like, just on average, you say you weren't making much, but 250 an hour for three hours?

• 9:25Speaker 03

  I mean, like, on a good session, like, it would be like, maybe like, once or like-

• 9:29Caleb Hammer?

  Did they finish at the end of it?

• 9:31Speaker 03

  Well, sometimes they couldn't get hard anymore if they were wearing a cock cage, because they would have to wear it for months at a time.

• 9:36Caleb Hammer?

  So you didn't finish people off?

• 9:37Speaker 03

  No, I, I'd never had sex with them. It was not sexual for me at all.

• 9:41Caleb Hammer?

  What are people paying for?

• 9:42Speaker 03

  Just to be yelled at. Just to be yelled at.

• 9:44Caleb Hammer?

  And they didn't even come from that?

• 9:45Speaker 03

  Nope. They just enjoy the degradation. That's like a big thing.

• 9:50Caleb Hammer?

  Well, maybe that's what everyone who comes on this show's tinked into, honestly.

• 9:54Speaker 03

  You know, I'm starting to think that-

• 9:55Caleb Hammer?

  Is that what I'm getting paid for?

• 9:56Speaker 03

  Yeah, I thought I was more of a sadist, but I think I might be more of a masochist now that I'm here.

• 10:01Caleb Hammer?

  Okay, so what is this? You brought a little prop ahem. People bring little boo-boos. What is it?

• 10:03Speaker 03

  I mean, like, it's, it's a, it's like a little leather paddle. I couldn't find my nine tails. I don't think you could handle that, so-

• 10:10Caleb Hammer?

  I don't know what that is. I don't know what any of this is. Again, I'm a classic two and a half minute. Uh huh. Okay, great. So, good. You take photography. So you translate it from taking pictures of men in dresses. Usually we just call them gay, and we love that, Colton. That is not an insult.

• 10:26Speaker 03

  Well, most of them weren't gay.

• 10:27Caleb Hammer?

  Mm-hmm.

• 10:28Speaker 03

  I mean, that's the truth. Yeah. Most of them were straight. They were hetero men. Neuroscientists, doctors, everything. People of power.

• 10:37Caleb Hammer?

  What? Gay people can't be neuroscientists?

• 10:40Speaker 03

  Gay people can most definitely be neuroscientists.

• 10:42Caleb Hammer?

  What the f are you talking about? Okay, so now you're taking pictures of what?

• 10:46Speaker 03

  So I still work in the adult entertainment industry.

• 10:51Caleb Hammer?

  So people go out to Palm Springs and they f-

• 10:53Speaker 03

  No, I go to Las Vegas and film, uh, f stars out there and all f creators. Um, but I also do all realms of photography.

• 11:00Caleb Hammer?

  And you never participate?

• 11:02Speaker 03

  No.

• 11:05Speaker 03

  No.

• 11:06Caleb Hammer?

  I'd have a hard time not participating myself, I'll be honest. Not that they would want that, but...

• 11:10Speaker 03

  Well, it's desens- you'd get desensitized. Porn is not-

• 11:13Caleb Hammer?

  Not men.

• 11:15Speaker 03

  Like-

• 11:15Caleb Hammer?

  Not men.

• 11:16Speaker 03

  It's not as, uh, luxurious or as sexy as it's perceived.

• 11:22Caleb Hammer?

  Yeah, yeah, yeah, I got it. Okay, so you work in-

• 11:25Speaker 03

  Yeah.

• 11:25Caleb Hammer?

  For three thou- you see, you watch your friends? That's good.

• 11:28Speaker 03

  Pretty much, pretty much. That's, that's just one part of my job. I also do weddings, I do, I do commercial brands, I do all-

• 11:37Caleb Hammer?

  Who's hiring you for that shit after you photographed someone's opening?

• 11:42Speaker 03

  Well, the thing is, is that that's more discreet. Like, I have two different websites. I have one that's for like my main work for people that aren't into that stuff, and then I have one that's in for like boudoir and erotica and stuff, so they're like-

• 11:53Caleb Hammer?

  And what is that website?

• 11:54Speaker 03

  Which one? You want the normal one?

• 11:56Caleb Hammer?

  Fun one.

• 11:57Speaker 03

  Oh.

• 12:00Speaker 03

  Spell?

• 12:00Caleb Hammer?

  Do you not know your own website? Because it's going to site cannot be reached.

• 12:03Speaker 03

  Oh my god, I hope my site's not down. Hold on. That would suck. That would so suck. Maybe that's why I've been-

• 12:10Caleb Hammer?

  You wanna type it in yourself?

• 12:11Speaker 03

  Yeah, let me type it in.

• 12:14Caleb Hammer?

  Ah! Ah! Bro, can you pick someone who's not 900 pounds?

• 12:22Speaker 03

  What are you talking about? I love everyone. Everyone is beautiful and deserves to feel sexy on their bodies.

• 12:27Caleb Hammer?

  Uh huh.

• 12:28Speaker 03

  Mm-hmm. 100%.

• 12:30Caleb Hammer?

  Yeah, but your website opens with the "ah!"

• 12:34Speaker 03

  What? Let me see.

• 12:35Caleb Hammer?

  Listen, nothing's wrong with a little thickness, but this is like, they need to go see doctor now.

• 12:39Speaker 03

  Well, you know, I used to be 300 pounds. She's beautiful.

• 12:42Caleb Hammer?

  I did not know that, nor do I care.

• 12:44Speaker 03

  I love all women, all men.

• 12:46Caleb Hammer?

  Sure, I can love them as people. It's not what I'm trying to see on a website when I open up. See, all of a sudden I go to a portfolio and I see hot women that I wanna have sex with.

• 12:55Speaker 03

  Well, they probably don't wanna have sex with you if you gonna be like that.

• 12:58Caleb Hammer?

  I do fine.

• 12:58Speaker 03

  Sure you do.

• 12:59Caleb Hammer?

  Oh, there's the titty we like that? Yeah, it's a mixed-race titty? Big fan. And there's a man holding boobs. Oh! Titty covered in blood.

• 13:09Speaker 03

  Yeah, I, uh, I work for a haunted attraction too, so I do, uh, horror boudoir shoots at the haunted attraction.

• 13:16Caleb Hammer?

  Yes. Fake blood. There it is, my 600-pound life again. Can we get away from that?

• 13:22Speaker 03

  That is so messed up, bruh.

• 13:25Caleb Hammer?

  What?

• 13:26Speaker 03

  Dude, everybody has their own type and their own preference.

• 13:31Caleb Hammer?

  Sure. Listen, I got, again, nothing wrong with curve. Like, this is curve. This is curve. This person's curved right here. That's fine. But like, further down, we're talking like...

• 13:40Speaker 03

  No, she's beautiful.

• 13:41Caleb Hammer?

  We're talking Tammy from Thousand Pound Sisters.

• 13:44Speaker 03

  No, we are not. Not at all.

• 13:46Caleb Hammer?

  Okay. Okay. Well, it's cool. It looks nice. Well done. I wish you made more off of it. How the fuck are you gonna, like, you're, you're, you're, you're... You have, believe it or not, a child. How the fuck are they surviving? Oh, wow. Colton, I apologize for all the titties you might be seeing from your angle. Cause I clicked on this section and...

• 14:11Speaker 03

  I do a lot of mixture of, of stuff. That's why I don't stay in one area. Cause boudoir, it can't...

• 14:18Caleb Hammer?

  What the fuck is boudoir?

• 14:20Speaker 03

  Uh, it means bedroom in French. So it's lingerie photos, pretty much. And, um, well, no, it's, you know, artistic nudes are cool, but lingerie's fun too. And it's all about empowering people to feel good in their bodies and in their skin.

• 14:35Caleb Hammer?

  Good excuse to whip out your tits.

• 14:37Speaker 03

  I mean, it is.

• 14:38Caleb Hammer?

  That's what, that's what half the women are doing on Twitter, being empowered.

• 14:43Speaker 03

  Well, I mean, hey, if they're making money off of it. I mean...

• 14:47Caleb Hammer?

  Yeah, we have an entire generation being online prostitutes right now, but they're empowered.

• 14:51Speaker 03

  Well, sex work is a job.

• 14:53Caleb Hammer?

  Sure, that's fine, but it's just like everyone right now on...

• 14:56Speaker 03

  Well, yeah, that's because it's...

• 14:57Caleb Hammer?

  The moment someone turns 18, they do that.

• 14:59Speaker 03

  Well, I mean, if they're getting money for it, hey, do what you gotta do. Do what you want.

• 15:03Caleb Hammer?

  Okay, but again, how the fuck are you taking care of your children? I don't think boudoir is paying.

• 15:07Speaker 03

  Well, I have, I have school that I get like a percentage from that. And then I did have, they just pay me to go to school. Like, I have FAFSA. So I'll get maybe like $1,800.

• 15:18Caleb Hammer?

  In terms of what? Loans, grants, what?

• 15:20Speaker 03

  Pell grants.

• 15:21Caleb Hammer?

  Oh, for fuck's sake. Why are you getting Pell grants?

• 15:24Speaker 03

  So I can go to school.

• 15:25Caleb Hammer?

  Yeah, but why do you deserve Pell grants?

• 15:27Speaker 03

  Cause I'm trying to get a secondary career to support my kid.

• 15:29Caleb Hammer?

  Why do you deserve Pell grants?

• 15:31Speaker 03

  Cause I pay taxes.

• 15:32Caleb Hammer?

  No?

• 15:33Speaker 03

  Yes.

• 15:33Caleb Hammer?

  No, you are a net taker. You are not a net giver. You have a child. Child tax credit, Pell grants.

• 15:41Speaker 03

  Well, before my kid, I paid a lot of taxes.

• 15:43Caleb Hammer?

  What's a lot of taxes to you?

• 15:45Speaker 03

  I mean, like, I would pay, like...

• 15:47Caleb Hammer?

  What are you making?

• 15:47Speaker 03

  Well, I think...

• 15:49Caleb Hammer?

  What did your tax, what did your tax filing say you made in the year?

• 15:54Speaker 01

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

• 16:22Speaker 03

  Last year?

• 16:24Caleb Hammer?

  No, before school, because you said before school, you were making so much money.

• 16:27Speaker 03

  I was.

• 16:28Caleb Hammer?

  How much was it said?

• 16:30Speaker 03

  I think that I was making, when I was on the road, maybe like 50 to 70K.

• 16:35Caleb Hammer?

  Okay, you probably were not paying taxes. Especially with California benefits and whatnot. If you're paying taxes, you're paying a couple hundred. With the child tax credit where you get what?

• 16:45Speaker 03

  Well, that was before I had my kid.

• 16:47Caleb Hammer?

  Wait, how old's your kid?

• 16:48Speaker 03

  She's four.

• 16:49Caleb Hammer?

  This is four years ago?

• 16:50Speaker 03

  Yeah, well, that's what I'm saying is like, you know, like since her, like I, I had to stop touring because I used to go on tour with bands too.

• 16:59Caleb Hammer?

  So, okay, fine. Pell Grant, what's that? What's that? How much is coming in that is not going to school? What is in that extra?

• 17:06Speaker 03

  Like 1,800 every three, like for every semester.

• 17:11Caleb Hammer?

  Oh, and are you doing summer and winter, uh, summer semesters?

• 17:15Speaker 03

  Yep, I do summer. I get 900 for summer.

• 17:18Caleb Hammer?

  And what are you trying to do? What is this secondary career? Not that you had a first one again?

• 17:22Speaker 03

  I'm doing the social work track, so I'm trying to be a therapist.

• 17:29Caleb Hammer?

  Therapist for who?

• 17:31Speaker 03

  For sex workers and, you know, just people that have alternative lifestyle careers.

• 17:36Caleb Hammer?

  You're right, they need a lot of therapy.

• 17:37Speaker 03

  Well, exactly, and they don't feel safe going to normal.

• 17:41Caleb Hammer?

  Probably not from someone that's enabling process.

• 17:45Speaker 03

  I mean, I think it's, it is one of the oldest known jobs.

• 17:48Caleb Hammer?

  Yeah, but that, does that mean it's healthy and good for people?

• 17:52Speaker 03

  Well, the thing is that some people do it because they love it and then some people do it because it-

• 17:56Caleb Hammer?

  It empowers them?

• 17:58Speaker 03

  No, because some people have traumatic things that happen to them. So it just depends. So like, they need someone to talk to.

• 18:03Caleb Hammer?

  Okay, well, that's fine. Yeah, traumatic thing to talk to, but you're in an enable order of only if you turn 18, show some hole.

• 18:10Speaker 03

  Well, I don't think that everybody should do that, but there's some people that do it because of desperation of money. If we had more livable wages and be able to live.

• 18:18Caleb Hammer?

  Wages. I would rather go get a job at McDonald's and post hole. Other, other people, other people to do that.

• 18:24Speaker 03

  In California is pretty good. That's $20 an hour.

• 18:27Caleb Hammer?

  I don't know if that's pretty good depending on where you live, but I don't think that gets you there in the valley.

• 18:32Speaker 03

  It was better than what I was making at the restaurant. I was only making like 16, 50 an hour.

• 18:36Caleb Hammer?

  Good, but again, I would, you know, the moment someone turns 18, instead of trying to go on a career path, getting in the trades, going to college, community college, whatever it might be, immediately showing some hole. That's where we are right now.

• 18:49Caleb Hammer?

  If someone is even half decently attractive. Which again, I mean, it's not like people can't do porn. I'm not saying that, but the fact is that so many people are just immediately going to that. And then you're gonna enable that through a therapeutic way?

• 19:00Speaker 03

  Well, no, it's to talk to them because a lot of people who aren't in the industry. Yeah, exactly. That's what I mean. So the reason that I am in the industry is not because I like shooting. It's because there's a lot of predators.

• 19:13Caleb Hammer?

  Shooting?

• 19:14Speaker 03

  No, I don't.

• 19:15Caleb Hammer?

  I'd like shooting. I'm a gooner. I know I'm conflicting myself right now, but-

• 19:19Speaker 03

  Why don't you shoot?

• 19:21Caleb Hammer?

  Oh, I shoot something.

• 19:22Speaker 03

  Well, well, the thing is, is that it's so predatory in that environment. And I work in it to create safe space for them to do it so they don't get sexually assaulted or have something happen.

• 19:33Caleb Hammer?

  About supporting your child?

• 19:35Speaker 03

  Yeah.

• 19:35Caleb Hammer?

  That one matters too.

• 19:37Speaker 03

  Exactly. And that's why I'm doing the secondary career and that's why I pick up gigs. She.

• 19:42Caleb Hammer?

  Okay, and it's California, so we might not know yet, but she.

• 19:45Speaker 03

  Oh my god.

• 19:47Caleb Hammer?

  What?

• 19:48Speaker 03

  I just, I knew you were gonna give me some shit, but uh.

• 19:51Caleb Hammer?

  What, what did I do?

• 19:52Speaker 03

  But um, no, like, I, I work in the industry to, you know, harbor safe spaces for them to create there. Cause I'd rather them work with me than work with some fucking dude, you know?

• 20:02Caleb Hammer?

  You be able to take care of your fucking kid?

• 20:04Speaker 03

  I agree with that. I wish they would pay me more.

• 20:06Caleb Hammer?

  Yeah, well, that's not how capitalism works. Wish and dreams, that's not how socialism works either.

• 20:11Speaker 03

  Yeah.

• 20:12Caleb Hammer?

  I don't think you would be socialized in socialism, even though everyone in your industry is probably very socialist.

• 20:17Speaker 03

  Yeah, well, I want to.

• 20:19Caleb Hammer?

  Would not exist.

• 20:20Speaker 03

  I want to make more money. It's just like, so most of the time. Yes.

• 20:24Caleb Hammer?

  Great, so what are you doing to fulfill your wants?

• 20:28Speaker 03

  Alright, sir. Most of my business clientele is in my hometown in Virginia. So most client base is there, so I travel.

• 20:37Caleb Hammer?

  From LA, you go to Vegas, we got Virginia, you don't make enough money to travel, what the fuck are you doing?

• 20:41Speaker 03

  I'm bi-coastal. I travel a lot for work. A lot of my money goes into travel and paying my team.

• 20:47Caleb Hammer?

  Team, you make 3,000 a month!

• 20:49Speaker 03

  I know. Well, the thing is, is that I make that because I pay other people out.

• 20:53Caleb Hammer?

  Is that your net, or is that before you pay other people out?

• 20:56Speaker 03

  That's after I pay other people out.

• 20:57Caleb Hammer?

  Oh, thanks. What are you making before you pay other people out?

• 20:59Speaker 03

  Well, it depends on the gig. So if I'm able to hire a team, like this past time, I went to Virginia.

• 21:04Caleb Hammer?

  What's in Virginia?

• 21:05Speaker 03

  Well, I'm from there, so like, I have a lot of clients there, so I'll do.

• 21:08Caleb Hammer?

  What kind of clients?

• 21:09Speaker 03

  Uh, just like, some of them are pole dancers, burlesquers, like, just normal people.

• 21:14Caleb Hammer?

  Good material on both coasts.

• 21:16Speaker 03

  So, yeah, well, I mean, like, you know, when you're good, you're good. You saw my website.

• 21:20Caleb Hammer?

  There weren't many examples.

• 21:22Speaker 03

  You said, you said that you, that it was good.

• 21:24Caleb Hammer?

  The tits were nice?

• 21:25Speaker 03

  Yeah.

• 21:25Caleb Hammer?

  You're right, the tits were nice.

• 21:26Speaker 03

  Who do you think took pictures of those titties?

• 21:28Caleb Hammer?

  I don't know, but I will look at any quality.

• 21:30Speaker 03

  Mm-hmm.

• 21:32Caleb Hammer?

  Trust me.

• 21:33Speaker 03

  It's just, it's okay. You don't have to compliment me. I get it. I'm the shit. I don't need you to tell me.

• 21:37Caleb Hammer?

  Maybe it is nice. Honestly, I honestly was not focusing on the quality. I honestly was not.

• 21:42Speaker 03

  That speaks more to your character than mine.

• 21:44Caleb Hammer?

  Yes, I'm a man. Oopsies. Whoopsies.

• 21:48Speaker 03

  That you are correct on. That you are correct.

• 21:52Caleb Hammer?

  I'm not gonna, I'm not gonna ask for forgiveness for that.

• 21:55Speaker 03

  Yeah, so like the last time I was in Virginia was like a couple of weeks ago and I did these Krampus family portraits.

• 22:02Caleb Hammer?

  Again, 3,000.

• 22:03Speaker 03

  I have credit cards that I have airline miles on and I use the airline miles on that and I use discounts.

• 22:09Caleb Hammer?

  Not making an actual return. Again, my big question is taking care of your kid. You say, I want to make more and then you're not giving me how you actually make more.

• 22:18Speaker 03

  Well, I'm trying to build my brand. So the problem is, is that where I live, I never built my brand there because I was on the road all the time. And now that I'm there, I'm trying to build my brand there so that I don't have to travel. Yeah.

• 22:30Caleb Hammer?

  Lindsay, are we shooting a lot of Palm Springs?

• 22:33Speaker 03

  Well, you can't.

• 22:34Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a cosign a release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress.

• 23:19Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y R E F Y dot com slash hammer. Or call 888-973-3978. That is 888-973-3978. Break free from the high interest trap and get your. Finance is under control once and for all. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money.

• 24:00Caleb Hammer?

  Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for time. Get that $350 right now in your checking account. Well, she's saying yes. You just said you can't.

• 24:28Speaker 03

  I don't think you can. Well, you have to wear condoms and stuff.

• 24:31Caleb Hammer?

  You have to wear condoms?

• 24:32Speaker 03

  Yeah, in State of California.

• 24:34Caleb Hammer?

  Who? In all of California? My goodness, they, they just want to ruin every industry.

• 24:40Speaker 03

  So this is what the problem is in the industry right now is there's so many only creators that they're not following the specific law guidelines.

• 24:48Caleb Hammer?

  They're probably not gonna follow that either, but also laws are laws.

• 24:52Speaker 03

  Because they're taking out the middleman. So a lot of these companies.

• 24:54Caleb Hammer?

  Who's the middleman? The Gavin Newsom?

• 24:57Speaker 03

  No, the porn directors and stuff.

• 24:59Caleb Hammer?

  Like, excuse me.

• 25:01Speaker 03

  Well, the thing is, that's why everybody is moving everything to Miami and.

• 25:04Caleb Hammer?

  Exactly. Everyone's moving. I'm not saying that California's entire economy should be backed by the [bleep] but what a stupid law. Come on.

• 25:15Speaker 03

  I, I mean, I agree with it, but like, I also understand what they're doing, but like, it is kind of.

• 25:19Caleb Hammer?

  I understand the intent.

• 25:20Speaker 03

  Yeah.

• 25:21Caleb Hammer?

  The intent is not a bad thing. The intent is never necessarily a bad thing. The intent of rent control is not a bad thing. The outcome is horrendous. Everywhere that has rent control has the highest rent because no one builds housing.

• 25:33Speaker 03

  Yeah, it's pretty, it's pretty bad there. I got really lucky with my house.

• 25:37Caleb Hammer?

  I don't know why you live there.

• 25:39Speaker 03

  Well, I kind of got stuck there during the pandemic and my house, my rent's so cheap.

• 25:43Caleb Hammer?

  Six years ago now.

• 25:45Speaker 03

  Yeah, but my rent is so cheap. It's, it affords me to be able to travel and live.

• 25:49Caleb Hammer?

  Dude, $3,000 a month, you have a child. I'm still not.

• 25:52Speaker 03

  I only pay 700 bucks a month for rent.

• 25:55Caleb Hammer?

  Are you rent stabilized?

• 25:56Speaker 03

  No.

• 25:57Caleb Hammer?

  Are you, you don't have subsidized rent?

• 25:59Speaker 03

  No.

• 25:59Caleb Hammer?

  You're not an income rent? How's your rent 700?

• 26:03Speaker 03

  Uh, so my landlord, I have a deal with them. They, the house.

• 26:07Caleb Hammer?

  You take pictures of this uncut?

• 26:08Speaker 03

  No, it's, it's a woman.

• 26:12Speaker 03

  No. I, uh, so when I moved into the area, so when I found out I was pregnant. I like, my rent was like 675 at my apartment.

• 26:21Caleb Hammer?

  Right away, where's the guy?

• 26:23Speaker 03

  He lives in San Diego. He's, he's a-

• 26:25Caleb Hammer?

  You should go there, that place is nice.

• 26:27Speaker 03

  I can't afford the rent there, it's not $700 a month.

• 26:30Caleb Hammer?

  Yeah, it's because you live in the middle of-

• 26:31Speaker 03

  Nowhere. I like it, I like where the people are.

• 26:35Caleb Hammer?

  Sorry, continue.

• 26:35Speaker 03

  So, when I moved in, there was a bunch of furniture left there, it was kind of a little rundown, so I had to put a lot of work into it to make it like livable and functioning for me and my daughter. So, that's why my rent is so cheap, because I did put a lot of work into the house.

• 26:51Caleb Hammer?

  That's horrendous, why would you do that, that's horrible.

• 26:53Speaker 03

  Well, because I needed a place to live for me and my kid.

• 26:56Caleb Hammer?

  Shit, yeah, but I wonder how long term this is gonna be, because, hmm, how much did you put in?

• 27:01Speaker 03

  I've, I've put in maybe like 20K over the last five years.

• 27:05Caleb Hammer?

  Oh! What are you doing to such a property, you dumb? You dumb, what are you doing?

• 27:12Speaker 03

  Well, I want to have a livable house.

• 27:14Caleb Hammer?

  Can you please re-center your septum? It's weird that-

• 27:17Speaker 03

  Is it crooked?

• 27:18Caleb Hammer?

  Yes, it's off balance and it's [__] me.

• 27:20Speaker 03

  I know, because it's spikes. I'm a little spiky.

• 27:23Caleb Hammer?

  No, it's just off, yeah, sure, okay. What the [__] moronic? You barely make money!

• 27:30Speaker 03

  Well, I did it when I was making money.

• 27:32Caleb Hammer?

  Yeah, but even still, it wasn't great.

• 27:34Speaker 03

  I haven't put anything into it in like two years.

• 27:36Caleb Hammer?

  So, what's the intent now? So, you used to dominate, you don't, but you still film and [__].

• 27:41Speaker 03

  Yeah, I, I, I do it, I do that, and I do branding, I do weddings and stuff like that.

• 27:46Caleb Hammer?

  Does it smell like latex and lube? Those sets?

• 27:49Speaker 03

  No, it's a little bit musty, it's not, it's not as luxurious as it's made out to be.

• 27:55Caleb Hammer?

  I don't think anyone's ever considered it luxurious, I thought it would be just nasty in there and just [__].

• 27:59Speaker 03

  Well, it depends on who you're working with. I mean, like, I've had some really clean people that are really cool, like, working in sex dungeons is pretty fun. Like, seeing people tied up on crosses and stuff is kind of cool.

• 28:09Caleb Hammer?

  And you don't get turned down at all?

• 28:10Speaker 03

  No.

• 28:10Caleb Hammer?

  Really?

• 28:11Speaker 03

  Yeah.

• 28:11Caleb Hammer?

  Okay, well, you admitted to Colton that you were turned down by yourself in the dominance.

• 28:15Speaker 03

  When I was domming.

• 28:16Caleb Hammer?

  When you were domming, yeah.

• 28:16Speaker 03

  When I was domming, I was really like, I enjoyed-

• 28:19Caleb Hammer?

  Now, why can't you just go get a job? Because I don't know how successful this therapist for sex workers thing is gonna be.

• 28:25Speaker 03

  Well, I'm applying for jobs. Like, I've applied at Netflix. I've applied at a couple other places.

• 28:29Caleb Hammer?

  For what?

• 28:30Speaker 03

  Uh, for photo management.

• 28:32Caleb Hammer?

  What about a real job?

• 28:33Speaker 03

  Well, right now, actually, I'm trying to get, so my daughter's autistic, and I'm trying to get-

• 28:39Caleb Hammer?

  Who isn't?

• 28:40Speaker 03

  Yeah, I mean, honestly, I agree with that nowadays. I've, there's a lot more autistic kids than ever. I think I might be a little neurodivergent myself, but she-

• 28:48Caleb Hammer?

  You're drinking Tylenol left and right, I know.

• 28:50Speaker 03

  Well, yeah, chugging it. Actually, I'm not supposed to with my surgery. I can't drink Tylenol, or eat it.

• 28:56Caleb Hammer?

  What's your surgery?

• 28:57Speaker 03

  I had weight loss surgery.

• 28:58Caleb Hammer?

  Oh, well done, I guess.

• 28:59Speaker 03

  Thanks, thanks. That's great.

• 29:01Caleb Hammer?

  I heard you used to be a fat [BLEEP] from you.

• 29:04Speaker 03

  I was thickums. See, that's where, and also, this is the thing, that's one reason why I don't Dom anymore, is because I was BBW, yeah.

• 29:11Caleb Hammer?

  Yeah, well, now you're mid-W, I know.

• 29:14Speaker 03

  Yeah, but nobody, that, nobody, that's a dime a dozen. You don't make money that way. I, I was a cute-faced chubby Dom. And people liked that, and like, I'm not in that demographic anymore, so I don't fulfill that.

• 29:25Caleb Hammer?

  So again, your income intent with this therapy thing, one, you're not applying for real jobs. You're applying for hypercompetitive jobs, which maybe you'll get, but it's a dime a dozen to actually get those.

• 29:36Speaker 03

  Well-

• 29:37Caleb Hammer?

  There's other industries and jobs there.

• 29:38Speaker 03

  So, what I was saying was, is that I'm trying to get IHSS, because my daughter is an eloper, so she runs away a lot, so she's high-risk, so-

• 29:47Caleb Hammer?

  She runs away a lot?

• 29:48Speaker 03

  Mm-hmm, like, she'll like, if we're like, in out public- She'll like, run, and just like, try to like, run off. It's, it's like, one of those things.

• 29:56Caleb Hammer?

  Okay, I, I have never had one of those, so I don't know how to deal with that.

• 30:00Speaker 03

  Yeah, so, like, they, she's high-risk, so I have to, IHSS is like a caregiver, so I would be pretty much a stay-at-home mom.

• 30:07Caleb Hammer?

  A leash on her?

• 30:08Speaker 03

  I've done that. She takes it off. I've put trackers in her shoes. I had a little wrist-

• 30:13Caleb Hammer?

  You can't run after her?

• 30:15Speaker 03

  I do run after her. I grab her, but that's what they would pay me for, is to be with her all the time. To take care of her.

• 30:22Caleb Hammer?

  Can't even make it like, I'm not educated enough on that to actually make a comment on.

• 30:27Speaker 03

  Yeah.

• 30:27Caleb Hammer?

  How I feel. Like, I don't even know how I feel on that.

• 30:29Speaker 03

  Yeah, cuz like, she has a lot of doctor's appointments. Like, she's in ABA therapy. She has to go to behavioral, speech. Like, I-

• 30:36Caleb Hammer?

  Okay, but all of a sudden, what does that mean by the time she's like 18 or something? Like, are you just done? Cuz you have absolutely no career track, no experience. You're like, two decades off of work?

• 30:45Speaker 03

  Well-

• 30:45Caleb Hammer?

  Like, that'll still fuck your entire life.

• 30:47Speaker 03

  Well, hopefully. Well, I'm trying. Well, my kid's my priority. I want my kid to be okay.

• 30:51Caleb Hammer?

  And that is fair, but-

• 30:53Speaker 03

  So, my whole thing is, is that if I, if I have the IHSS coming through, I can focus on school and her.

• 30:59Caleb Hammer?

  Yeah, but what's that? Okay, but school, your entire intent with school, again, still doesn't make sense. I have a feeling a lot of sex workers aren't gonna go to therapy cuz that means they actually have to acknowledge what they're doing. And two, even still, it's not, that's not like, therapy is like, accessible to everyone, so I have enough clientele.

• 31:14Speaker 03

  Doing it for everyone.

• 31:15Caleb Hammer?

  Sex therapy's a lot.

• 31:16Speaker 03

  Well, I'd be doing it more than just, I would be doing everything. Like, I would do couples, I'd do families. I, I don't wanna do stuff with kids. I wanna work more with adults.

• 31:25Caleb Hammer?

  General therapist, though? Or is it gonna be in social work?

• 31:28Speaker 03

  It's gonna be the social work track, so I don't have to have a doctorate. It's, that's like, the easier and faster way that I can start taking clients, and I can do it remotely, and I can do it from home. So then, I can be there for my kid full-time.

• 31:39Caleb Hammer?

  So what would you get from this if it's approved? And what's the approval process? Cuz I don't know.

• 31:43Speaker 03

  So, I've already gotten approved for 18 hours a month. I just have to go through the background check and if I can get-

• 31:48Caleb Hammer?

  Well, shit, 18 hours a month, what is that gonna even give you?

• 31:50Speaker 03

  It, it doesn't give me much, but-

• 31:52Caleb Hammer?

  Well, tell me the number!

• 31:53Speaker 03

  It's like, 18.59 an hour.

• 31:56Caleb Hammer?

  For 18 hours?

• 31:56Speaker 03

  For 18 hours. And if I get approved for her eloping, I'll get 163 hours a month. On top of the 18.

• 32:04Caleb Hammer?

  And how do you get approved for that?

• 32:06Speaker 03

  Uh, I already sent the paperwork for the doctor.

• 32:09Caleb Hammer?

  That's no money. That's no money, the, the original one, but-

• 32:13Speaker 03

  Yeah.

• 32:13Caleb Hammer?

  118? If you get approved? A month?

• 32:16Speaker 03

  163.

• 32:17Caleb Hammer?

  163 a month?

• 32:19Speaker 03

  Yeah. That's not dollars, that's hours.

• 32:21Caleb Hammer?

  I know. And what's, what's the dollars an hour for that one?

• 32:23Speaker 03

  18.59. I think it goes up to 18.96 next month, though.

• 32:29Caleb Hammer?

  Okay, well, that's 3,000 hours a month. That's again, you can you I don't know how you're surviving on three now. It's because of your roommate or your landlord because you're stupid and invested in their property. But whatever. Either way, with that, like still, that's only 3,000 hours a month. I don't know how you're surviving on that now there. I don't know how you'd be surviving on it then there.

• 32:45Speaker 03

  Well, I got a bunch of loans on my business to like pay for stuff and I got credit. I know I've I've myself I like I got loans and I was living off credit cards when I wasn't making enough money. I had gotten a part time job like it just like in the part time job was barely making 2,000 a month. So like

• 33:05Caleb Hammer?

  Well, yeah, it's a part time job. That's what happens. This is gonna be supplemental.

• 33:08Speaker 03

  Well, I was hoping that I would have like more contracts.

• 33:11Caleb Hammer?

  Well, hoping is not an actual strategy. I mean, I don't know what to tell you.

• 33:16Speaker 03

  Yeah, I know. I'm I'm kind of screwed, so I'm trying to like figure out how to manage my business a little bit better again.

• 33:23Caleb Hammer?

  Uh, therapy might be a good, but how long until that would actually be done?

• 33:26Speaker 03

  So I graduate with my associates in October and then I'm supposed to transfer to San Bernardino to finish my bachelor's. And then I

• 33:35Caleb Hammer?

  In person, San Bernardino?

• 33:37Speaker 03

  I don't know if I'm gonna go in person. I do everything remotely.

• 33:39Caleb Hammer?

  That has like, like, so

• 33:42Speaker 03

  She's not

• 33:44Caleb Hammer?

  Well, but you're getting payments.

• 33:46Speaker 03

  No, it's not payments. It's to help with her. It's to help her learn how to be a person and like help her function, you know, and like how like she's got it's helping with emotional regulation.

• 34:00Caleb Hammer?

  You're getting money for that.

• 34:01Speaker 03

  I will be.

• 34:02Caleb Hammer?

  To do that for her.

• 34:03Speaker 03

  Yeah, to help her with that. She's not

• 34:07Caleb Hammer?

  Well, that's not a bad thing.

• 34:08Speaker 03

  That word is so mean.

• 34:10Caleb Hammer?

  Well, no, I was meaning I was meaning in the clinical, the clinical sense is mental retardation.

• 34:15Speaker 03

  Autism is not mental retardation. There's two that's I'm not gonna comment on that.

• 34:21Caleb Hammer?

  Well, I think it comes from the original, right? Like in music, retardando is to slow down.

• 34:27Caleb Hammer?

  But either way, that's fine.

• 34:28Speaker 03

  You do you, boo boo. You do you.

• 34:30Caleb Hammer?

  I always do.

• 34:31Speaker 03

  Yes, you do.

• 34:32Caleb Hammer?

  Daily basis. You better believe it. Okay, so she's special?

• 34:39Speaker 00

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

• 35:04Speaker 03

  She's, she's-

• 35:06Caleb Hammer?

  If you're getting payment from it, well, okay, how long with this-

• 35:08Speaker 03

  She's a little too autistic, that's what it said. Like, that's what she-

• 35:12Caleb Hammer?

  She's powered up.

• 35:13Speaker 03

  So she's, so she has like, I think, uh, she has like, I'm ADHD. I got diagnosed with that. That is not a TikTok diagnosis because I know that everybody talks like that.

• 35:23Caleb Hammer?

  Uh huh.

• 35:24Speaker 03

  But, um, and I-

• 35:25Caleb Hammer?

  No, no, no, my question is, again, like, um, okay, yeah, the in-person might be hard because of the, the, the special.

• 35:33Speaker 03

  Yeah.

• 35:33Caleb Hammer?

  What, what, what can I call it if not special?

• 35:36Speaker 03

  Uh, you can call her autistic, which is what she is.

• 35:39Caleb Hammer?

  Yeah, but that sounds insulting.

• 35:41Speaker 03

  You can call the tiz, make it sounds, you know, ritzy, the tism.

• 35:46Caleb Hammer?

  Okay, so I don't know how you'd be able to go in person with that-

• 35:49Speaker 03

  She's eccentric.

• 35:49Caleb Hammer?

  Because we're literally paying you to stay home. So, okay, great.

• 35:53Speaker 03

  It would be paying me to take her to doctor's appointments and-

• 35:56Caleb Hammer?

  Exactly, so you wouldn't be able to go in person. So imagine you become a therapist, how are you gonna be able to do that if we're paying for you to take-

• 36:01Speaker 03

  Remote.

• 36:03Caleb Hammer?

  Remote therapy, yeah, but that kinda sucks.

• 36:05Speaker 03

  I, I-

• 36:06Caleb Hammer?

  Yeah, I mean, I have before and it kinda sucks.

• 36:09Speaker 03

  I do remote therapy now.

• 36:10Caleb Hammer?

  It, it's not working. I'm sorry.

• 36:14Speaker 03

  It-

• 36:14Caleb Hammer?

  I didn't mean that.

• 36:15Speaker 03

  It is, I'm not insulted.

• 36:17Caleb Hammer?

  Good.

• 36:17Speaker 03

  You don't hurt my feelings.

• 36:18Caleb Hammer?

  I say a lot of things I don't mean.

• 36:20Speaker 03

  Do you?

• 36:21Caleb Hammer?

  Yeah, I'm just-

• 36:22Speaker 03

  Well, you need to learn to change that.

• 36:24Caleb Hammer?

  No, it doesn't do anything for me.

• 36:26Speaker 03

  It doesn't, but, you know, being like, watching [BLEEP] does, like, that doesn't make any sense.

• 36:31Caleb Hammer?

  Yeah, because I jack off and come.

• 36:32Speaker 03

  This isn't real life, baby.

• 36:33Caleb Hammer?

  That doesn't make me come.

• 36:34Speaker 03

  You can have a little paddle waddle right now.

• 36:35Caleb Hammer?

  No, it doesn't make me come. My, the entire intent for me to have sex is to come.

• 36:42Caleb Hammer?

  Not to feel pain.

• 36:44Speaker 03

  To each his own.

• 36:44Caleb Hammer?

  A letter spanking me in the post show, maybe, I don't know. We'll see. Me and Brandon and Lindsay.

• 36:49Speaker 03

  Wait, we gotta see the address cross here?

• 36:51Caleb Hammer?

  Okay. Oh, gosh, I gotta get on track. This, what a weird episode. Okay.

• 36:57Caleb Hammer?

  If we're paying you to stay home to take care of the artismo, the, um...

• 37:03Speaker 03

  Beautiful wording. Wonderful.

• 37:06Caleb Hammer?

  Like, how are you able to have time to do the remote therapy?

• 37:09Speaker 03

  Well, eventually, once she gets all her therapies and we get her well adjusted, I won't have to do it anymore. So it's just for now.

• 37:18Caleb Hammer?

  So her, she gets powered down from level two to one?

• 37:22Speaker 03

  Well, the thing is, is that with ABA therapy and all, and kind of like, the whole goal of ABA therapy and the whole goal of all the therapies and stuff is to be able to put her into functioning in society.

• 37:34Caleb Hammer?

  Okay, and when will that be done by?

• 37:36Speaker 03

  Well, we have an education plan with her school, so she has an IEP, so we're working towards that. So she works better in small...

• 37:43Caleb Hammer?

  Yeah, but when does she unlock those characteristics?

• 37:44Speaker 03

  We don't know. It's unpredictable. It could be a year from now, it could be 10 years from now.

• 37:50Caleb Hammer?

  So what do you do for your life, then?

• 37:53Speaker 03

  Well, my life is for her.

• 37:54Caleb Hammer?

  Exactly, but you have to be able to take care of bills and 3,000 hours a month from the assistance is not gonna be enough.

• 37:59Speaker 03

  Like...

• 37:59Caleb Hammer?

  And that's $700, who knows? You're blessed you have that, even though I have a note here that you're oftentimes a month behind rent. I don't know. Like, how are you even throwing that away? It's so stupid.

• 38:08Speaker 03

  Not a month behind rent, but it usually takes me a full month to pay my rent, because I'm working gig to gig.

• 38:14Caleb Hammer?

  But even still, my question is, I don't know how long that's gonna survive, how long that's gonna be a thing, that 700 hours a month? And you're only gonna be, have a 3,000 hours a month from the supplemental, the tism money?

• 38:27Speaker 03

  She's also on the waitlist for social security.

• 38:29Caleb Hammer?

  Okay, and how long would that survive? Because you're trying to get her to unlock the character tree of, like...

• 38:34Speaker 03

  I don't know. Well, the thing is, is that I eventually want to move back to Virginia where I have most of my business.

• 38:39Caleb Hammer?

  Why don't you just do that?

• 38:40Speaker 03

  Because I can't afford to right now. It's expensive.

• 38:43Caleb Hammer?

  Well, no shit. That's why I said...

• 38:44Speaker 03

  And I can't afford rent there.

• 38:45Caleb Hammer?

  Is this federal assistance that you'd be getting for her, or is this state?

• 38:49Speaker 03

  It's state.

• 38:49Caleb Hammer?

  Oh, shit. So who even knows if it's from...

• 38:52Speaker 03

  Yeah, so that's why...

• 38:53Caleb Hammer?

  Something like that exists in Virginia. They might have a different version.

• 38:55Speaker 03

  Exactly.

• 38:56Caleb Hammer?

  California gives money out like candy.

• 38:58Speaker 03

  Yeah, it's a whole, so I feel like I'm stuck in a rock and a hard place. Because like, I, I have more support systems in place in Virginia versus in California.

• 39:07Caleb Hammer?

  Will the support system be good enough with that makeup for it?

• 39:10Speaker 03

  No.

• 39:13Speaker 03

  Do you see the challenge now?

• 39:15Caleb Hammer?

  Well, I'm trying to think. I mean, for, for me personally.

• 39:19Speaker 03

  You know, I just need a rich sugar daddy. Well, because it was the pandemic. I.

• 39:25Caleb Hammer?

  It's not a good excuse.

• 39:26Speaker 03

  Well, I mean like.

• 39:27Caleb Hammer?

  We were all, I didn't have a kid.

• 39:29Speaker 03

  Well, I, so I had a dog that was like the love of my life. And he.

• 39:35Caleb Hammer?

  And it died, so you had a kid?

• 39:36Speaker 03

  Yes, he did die.

• 39:38Caleb Hammer?

  Doesn't make sense.

• 39:39Speaker 03

  And I always made the joke that I would get, I would, I couldn't have a human child as long as he was alive.

• 39:43Caleb Hammer?

  Well, usually jokes are jokes because they're not real.

• 39:46Speaker 03

  Yes. Well, then I ended up finding out two months after he died that I was pregnant. And.

• 39:51Caleb Hammer?

  Were you guys married?

• 39:53Speaker 03

  No, we were, we had broken up by that time. We were already over with.

• 39:58Caleb Hammer?

  But you kept taking it.

• 39:59Speaker 03

  We were together when she was conceived, but when I found out I was pregnant, we were not together.

• 40:05Caleb Hammer?

  Well, we'll see what we can do. I will have a fun fact. Usually the, the, the, the thing we do if we're in between a rock and a hard place is we don't. Our entire life up with endless amounts of debt, which with the 3,000 hours a month with $700 of rent, I think you could still survive. Especially with the Pell Grant on top of that, potential social security incoming on top of that, you would be able to. You're, you, you want to live this dream of being this business owner, photography going between the coasts. And you're going into debt for it, taking out business loans. That's you being an idiot. That has nothing to do with your child having special needs. This is you, this paperwork is on you, on you, on you, on you. Nothing to do with the child.

• 40:46Caleb Hammer?

  And I would never criticize you putting your child first. Never, ever. I'll quit some jokes. I'll call her. Trigger some people in the audience. I don't care. That's all hee hee ha ha. This is on you trying to fulfill the dream of you being this independent business owner, photography and gaping assholes.

• 41:05Speaker 03

  Well, yeah, I, um, when I was, a lot of people don't know this about me, but I was.

• 41:10Caleb Hammer?

  In fact, I would say nobody.

• 41:12Speaker 03

  Yeah. Well, I mean.

• 41:14Caleb Hammer?

  So please tell me, because I certainly don't.

• 41:16Speaker 03

  In order to get my business off the ground, like I was homeless for a few years.

• 41:19Caleb Hammer?

  Okay. Well, that's stupid. Get a job. That is your choice. I don't give a shit. You're being a dumbass at that point.

• 41:24Speaker 03

  Well, I did.

• 41:25Caleb Hammer?

  There's no sympathy of being homeless by choice.

• 41:27Speaker 03

  Well, I did it so I could put all my money into my studio.

• 41:29Caleb Hammer?

  Which is a choice in dumbassery and sleep in the studio.

• 41:33Speaker 03

  Well, I was, it paid off because I was able to get

• 41:36Caleb Hammer?

  It did not pay off. You make 3,000 hours a month. Shut the [__] up. You don't even want to be in California. What are you talking about?

• 41:41Speaker 03

  Well, I loved California before, like

• 41:44Caleb Hammer?

  Everyone loves California until they live there.

• 41:47Speaker 03

  That's, that is true.

• 41:48Caleb Hammer?

  Right, Lindsay? That's right. We saved her. We rescued her.

• 41:55Caleb Hammer?

  Okay, okay. What do you think your financial score is zero to 10?

• 41:59Speaker 03

  My financial score?

• 42:00Caleb Hammer?

  Zero being the worst, 10 being the best. Sorry, I forgot. I have to explain it.

• 42:03Speaker 03

  I would say about a five.

• 42:05Caleb Hammer?

  Okay. If you want your Hammer Financial Score, take the assessment for free at CalebHammer.com. See where you stand in the world of money. See where you're doing poorly, what you need to do to increase, or where you're doing well. It's free, takes a few minutes. What do you think your [__] score is zero to 10? Zero, no [__], 10, full [__], I'm approximately seven.

• 42:22Speaker 03

  Oh, at least you're honest.

• 42:24Caleb Hammer?

  Well, yeah.

• 42:25Speaker 03

  I would say I was five.

• 42:27Caleb Hammer?

  Okay, if you want to know [__] you are, take your Hammer [__] score at CalebHammer.com/ [__].

• 42:35Caleb Hammer?

  Take the assessment, see where you stand in the world [__], see if you need to become more [__] if you're just not [__] enough.

• 42:41Caleb Hammer?

  And if you don't want to be too [__] with money, make sure you download the Dollar Wise Budget app. And if you do, most people take the annual version because it saves 50%, but also you get my budget-friendly cookbook, signed by me, mailed directly to you. That's only available through the end of March, and then it is literally gone forever. Can't be purchased, can't be anything. So, check it out. Take the free trial at DollarWise, DollarWise.app. All those links are in the description below. I mean, we know what comes in. What do you think you spent last month?

• 43:09Speaker 03

  Oh, God, it was 7,000.

• 43:11Caleb Hammer?

  You know?

• 43:12Speaker 03

  Mm-hmm, because I have a expenditure on my, uh, on my Chase app.

• 43:17Caleb Hammer?

  Uh, $7,192.88. If you're tracking it, why the [__] would you potentially allow that mother of a child?

• 43:28Caleb Hammer?

  That ain't a joke dude! Why the [__] would you allow that if you're tracking it? I'd rather you be ignorant!

• 43:33Speaker 03

  Well, I try, I have a business. I have to keep track of it.

• 43:36Caleb Hammer?

  That's not a business if you're losing. If you're losing money in dumb contests-

• 43:38Speaker 03

  Well, I had to pay people out of that.

• 43:40Caleb Hammer?

  This is not a business then! This is a [__] hobby con wrong! Total income was literally 4,287. You business! You don't know what business is? You've never heard of the word "business"?

• 43:51Speaker 03

  Well, that is why I'm here, I need help.

• 43:53Caleb Hammer?

  Get a job! Again, that is the same answer now as it was at the beginning of this conversation.

• 43:58Speaker 03

  Exactly.

• 43:59Caleb Hammer?

  McDonald's, Jimmy John's, Panda Express, all of them! I don't care! I know you need to be around for your children, but maybe you need to move to Virginia. Listen, with a couple hundred bucks, you're getting in? Because we don't even know if you're gonna get approved for that 3,000 hours a month. If you don't, move the [__] home! Move the [__] home! Use the support system to help with the kid! Because the 300 hours a month you're getting currently? You can make that work in Virginia! And you're gonna work 80 hours a week and use your support system to help take care of the kid!

• 44:25Speaker 03

  Well, the rent is more expensive in Virginia.

• 44:26Caleb Hammer?

  Yeah, but, okay, what city in Virginia?

• 44:29Speaker 03

  Richmond.

• 44:29Caleb Hammer?

  Okay, Richmond, Virginia. You're gonna try to find the cheapest place you can. But you said you have a support system, can you move in with someone?

• 44:34Speaker 03

  No.

• 44:35Caleb Hammer?

  Okay, what kind of support system do you have?

• 44:37Speaker 03

  Just like... They can... Watch periodically, it's not consistent.

• 44:44Caleb Hammer?

  And then with the hours you go work, you'll have a [__]. You'll start building a career. You'll try to work up to 5,000 hours a month, 6,000 hours a month, and that'll make up for the rent going from 700 to 14.

• 44:54Speaker 04

  Is your credit card good? Yeah, they are.

• 44:56Speaker 05

  Your family hated it? In the post-show, you did reveal that you were still receiving money from a client from your stripping days. Are you still receiving money from him?

• 45:07Speaker 03

  I'm a very patient person. My mom is disabled, I have been taught patience.

• 45:11Speaker 04

  Hey, we-

• 45:12Speaker 03

  My family hated it, should we get into that?

• 45:15Speaker 04

  I would love for you to just use your words and not shut down to the point to where I do yell. Said that I would pay for the gun that we bought on your card.

• 45:24Speaker 03

  So, are you safe, Pixie?

• 45:32Caleb Hammer?

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

• 45:55Speaker 06

  The number one ranked energy drink is gamer subs.

• 45:59Speaker 05

  Literally, the cherry flavor is insane.

• 46:02Caleb Hammer?

  Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb.

• 46:12Speaker 03

  Yeah, well, I'm trying. I'm trying to get back. I'm trying to get back to Virginia.

• 46:17Caleb Hammer?

  No, you're not. You're trying to lean on every system you can. And I'm not saying that system is necessarily wrong and that you're abusing it because I don't think so at this point. But I'm also not fully educated and I'll be honest. So that's why I don't want to comment too much on it. But either way, try. No, I see you applying to try to stay there as much as you can. What are you talking about? I mean, you're doing school in California. You're not trying to get back.

• 46:34Speaker 03

  Well, because it's it's free.

• 46:35Caleb Hammer?

  Yeah.

• 46:36Speaker 03

  And so I can have a degree when I get back. So I have two options to work.

• 46:40Caleb Hammer?

  When will it be done? The degree?

• 46:41Speaker 03

  Um, I think 27.

• 46:43Caleb Hammer?

  Oh, wow. How far into 27?

• 46:47Speaker 03

  Like fall?

• 46:48Caleb Hammer?

  Hey, yeah, yeah, yeah, dude, we're talking two years.

• 46:51Speaker 03

  I mean, yeah, well, if I can find a way to transfer.

• 46:55Caleb Hammer?

  Then you make on a monthly basis. Well, that's 3,000. 3,000 last month, 4,000 in the normal.

• 47:00Speaker 03

  I'm not opposed. I'm not opposed to after I get my associates in October.

• 47:04Caleb Hammer?

  It's federal anyway, right?

• 47:05Speaker 03

  I think so, yeah.

• 47:06Caleb Hammer?

  So there you go. Transfer.

• 47:07Speaker 03

  It's just I'm in a program that's only in the state of California. It's called EOPS. And it is a program that pays for your books and they give you another grant.

• 47:17Speaker 00

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

• 47:41Speaker 03

  And on top of it to pay for schooling.

• 47:44Caleb Hammer?

  Okay.

• 47:45Speaker 03

  And I.

• 47:46Caleb Hammer?

  Even still, if we actually work and we try to get a, do you have an degree?

• 47:50Speaker 03

  No.

• 47:51Caleb Hammer?

  Listen, I'm not opposed to, I'm, okay, yeah, maybe we stick out the school there. I'm okay with that. But you obviously pursuing this business is the failure because you're losing money on it. You're not making money.

• 48:00Speaker 03

  I agree.

• 48:01Caleb Hammer?

  Sometimes you make money, sometimes you lose money. I'm sure you're not zero in the end.

• 48:04Speaker 03

  100.

• 48:05Caleb Hammer?

  You're just living off the Pell Grants and assistance.

• 48:06Speaker 03

  Yes.

• 48:07Caleb Hammer?

  So that's what we need to fix more than anything right now. While you're finishing school, go work a job. No more spending times in the, who's watching your kid when you're traveling to Virginia?

• 48:16Speaker 03

  She comes with me.

• 48:17Caleb Hammer?

  Then we're just no longer doing that. We're, I know you can get, we know the daycare situation now.

• 48:22Speaker 03

  Well, I have.

• 48:23Caleb Hammer?

  Especially states like California.

• 48:25Speaker 03

  Well, they only pay, so I have.

• 48:26Caleb Hammer?

  I'm sure you can get assistance.

• 48:28Speaker 03

  I do, I do. But like, the problem is, is that like, I, when I worked my job, I was getting called from the school to come pick her up.

• 48:35Caleb Hammer?

  Yeah, you're gonna go to a special school.

• 48:37Speaker 03

  Yeah. Well, they have her in a special needs class now and she has an IEP and all that stuff.

• 48:42Caleb Hammer?

  There you go. So go get a job.

• 48:45Speaker 03

  Well, that's why I'm doing the IHSS and I'm gonna volunteer to school with her.

• 48:48Caleb Hammer?

  It's only gonna be 3,000.

• 48:51Caleb Hammer?

  You're not understanding what I'm saying. I need you to make more money.

• 48:53Speaker 03

  So how much should I make?

• 48:55Caleb Hammer?

  We'll get that answer by the end of this episode, but all I know is with what you're doing right now, you're spending three more than you made last month, four more than you do on a normal month.

• 49:02Speaker 03

  Yeah.

• 49:03Caleb Hammer?

  So this is not working.

• 49:04Speaker 03

  So like, if I have the IHSS to supplement my bills. Yeah, but then I can do my contract work in my business.

• 49:13Caleb Hammer?

  You're still spending more than you make.

• 49:15Speaker 03

  Well, if I have 3,000 coming in that pays for my bills.

• 49:17Caleb Hammer?

  Because then the taxpayer is literally just subsidizing you losing money in your business and that's unacceptable and disgusting.

• 49:23Speaker 03

  Well, I don't see it that way, but yeah.

• 49:25Caleb Hammer?

  It is mathematically that way.

• 49:28Speaker 03

  Okay.

• 49:29Caleb Hammer?

  What?

• 49:29Speaker 03

  Okay.

• 49:30Caleb Hammer?

  You're only able to continue your job that loses money because the taxpayer gives you money? Fuck you. Of course it's that way.

• 49:35Speaker 03

  I don't think it's that way at all because I, because I have to, I won't have to work as many hours to support us. I will be able to be able to be there with her.

• 49:46Caleb Hammer?

  Southwest Rapid Rewards, what's going on with this card?

• 49:49Speaker 03

  That, that's how I get my airline miles.

• 49:51Caleb Hammer?

  You getting a return on it?

• 49:52Speaker 03

  No.

• 49:53Caleb Hammer?

  I wouldn't say so. Maybe we're just not traveling because you're being a dumbass. How long does this take to pay off if you actually make your minimum payments on time, which?

• 50:03Caleb Hammer?

  Who knows? We'll see. And if you don't purchase, which, yeah, we know you purchased. There's purchases here.

• 50:09Speaker 03

  Yeah, I have subscriptions attached to it, so.

• 50:12Caleb Hammer?

  Good. So how

• 50:15Caleb Hammer?

  long will it take?

• 50:17Speaker 03

  I, well, I used, when I was on tour.

• 50:19Caleb Hammer?

  How long, you

• 50:21Speaker 03

  I don't know. I don't know how much it'll take, because I don't know how much I'm going to make.

• 50:25Caleb Hammer?

  How long does this take minimum to payments only without any doing any purchases? That's what I said.

• 50:29Speaker 03

  Maybe three years?

• 50:30Caleb Hammer?

  Okay, 17, you stupid. Maybe we need to call your mother and say, I'm having trouble with you too.

• 50:35Speaker 03

  I mean, she wouldn't be surprised by that.

• 50:37Caleb Hammer?

  Yeah. $5,447.71. Minimum repayment, $173.

• 50:46Caleb Hammer?

  Which is, I mean, that's insane. $119.36 of interest accrued. Last month, $33.38 of purchases. You're over the limit. You're over the limit. See? I know you set up this empathy with the kid in the beginning. Yeah, your kid has special needs. Woo, woo, woo, we love that for, no, we don't love that. Do we love that? I don't know. It's fine. It's, I'm sorry that happened. We love that your kid exists.

• 51:08Speaker 03

  She's wonderful.

• 51:09Caleb Hammer?

  Do we love that she has special needs? I don't know how to say that.

• 51:11Speaker 03

  I love her. I think, I have two autistic brothers, so I've been around autism my entire life.

• 51:16Caleb Hammer?

  Oh, it flows through that DNA.

• 51:18Speaker 03

  I mean, technically, it's paternal genetics.

• 51:20Caleb Hammer?

  Yeah, so, okay. But again, set up the sympathy with the, the, the special kid.

• 51:24Speaker 03

  Okay.

• 51:25Caleb Hammer?

  And we love that for her.

• 51:26Speaker 03

  She's great. She just, she learns different than other people.

• 51:31Caleb Hammer?

  Right, okay, so, yeah, we set up the sympathy for that.

• 51:33Speaker 03

  Yes.

• 51:33Caleb Hammer?

  But then you put subscriptions on a card that is over the limit, so fuck you. Fuck your sympathy.

• 51:37Speaker 03

  Well, it's subscriptions for my business.

• 51:40Caleb Hammer?

  Then fuck your business. We, you, you having a special child does not equal you get to lose money on your business and all of us cry for you.

• 51:47Speaker 03

  Well, I, I don't expect sympathy.

• 51:50Caleb Hammer?

  Then shut the fuck up, because you were giving a sympathetic with, oh, everything's bad because of the kid. I can't do anything because of the kid. Fuck you. It's because you're getting subscriptions, you dumb tip. Pull up your Amazon. This is from Amazon.

• 51:59Speaker 03

  Oh, my gosh.

• 52:00Caleb Hammer?

  Listen, you've had late visas, you're up the dick, about three, so come, come, Amazon.

• 52:05Speaker 03

  Yeah.

• 52:05Caleb Hammer?

  Give!

• 52:06Speaker 03

  What do, what do, what do you want from Amazon?

• 52:09Caleb Hammer?

  Give me the phone.

• 52:11Speaker 03

  Here.

• 52:13Caleb Hammer?

  We're starting a screen recording. We'll blackout personal information.

• 52:16Speaker 03

  Oh, I don't give a shit.

• 52:18Caleb Hammer?

  Okay, well, I do.

• 52:19Speaker 03

  I don't really buy things on Amazon.

• 52:21Caleb Hammer?

  Personal information! Geez, do you not know what that is? Okay, yeah, some stuff for your business, some album book stuff, and you got some USB.

• 52:29Speaker 03

  For my business.

• 52:30Caleb Hammer?

  Your business that loses money.

• 52:33Speaker 03

  Yes.

• 52:33Caleb Hammer?

  We should not be subsidizing that, just because you have a special child. I want to help with the special child. I'm okay with that. Or you're starting to use and abuse.

• 52:42Speaker 03

  Okay.

• 52:43Caleb Hammer?

  Lots of games for the Nintendo Switch.

• 52:45Speaker 03

  Oh, that was on her-

• 52:46Caleb Hammer?

  There's a soft box for your photography, [BLEEP] your business, and Street Life Poverty, Gangs and PhD. Well, that will be you. It's not the PhD.

• 52:53Speaker 03

  That was a book I needed for school.

• 52:58Speaker 03

  And I didn't buy a DS-

• 52:59Caleb Hammer?

  Switch, dude.

• 52:59Speaker 03

  -or Switch or whatever. Her dad is gifting her one.

• 53:04Caleb Hammer?

  Why is it in your safe for later?

• 53:05Speaker 03

  Well, because I had it on her Christmas list, so he could see it.

• 53:09Caleb Hammer?

  Does her dad do well?

• 53:10Speaker 03

  Uh, he's a barber. I'm not sure.

• 53:11Caleb Hammer?

  Do you get child support?

• 53:12Speaker 03

  He just started paying it, but it's not much.

• 53:15Caleb Hammer?

  How much? Well, why not much? I'm surprised the capital-

• 53:17Speaker 03

  Well, it's supposed to be-

• 53:18Caleb Hammer?

  Full custody?

• 53:19Speaker 03

  Yeah, I have sole physical.

• 53:20Caleb Hammer?

  So how much is he supposed to give?

• 53:22Speaker 03

  Three hundred a month.

• 53:24Caleb Hammer?

  He doesn't make money, does he? That's why.

• 53:26Speaker 03

  He also has another kid, too.

• 53:28Caleb Hammer?

  Ah, okay.

• 53:29Speaker 03

  He's a contractor like me, so we both are gig workers.

• 53:32Caleb Hammer?

  Okay, great.

• 53:32Speaker 03

  Thanks.

• 53:33Caleb Hammer?

  Two people that just won't go get jobs like the rest of humanity.

• 53:36Speaker 03

  We do. We do.

• 53:37Caleb Hammer?

  And then we subsidize you guys. I don't understand it.

• 53:40Speaker 03

  I don't-

• 53:40Caleb Hammer?

  Like, because you're choosing to pursue your passion, we are supposed to subsidize it? I really don't understand. I'm good with helping someone that has a special child.

• 53:49Speaker 03

  I did have part-time jobs. I've worked part-time jobs.

• 53:52Caleb Hammer?

  You don't. You don't.

• 53:53Speaker 03

  I got laid off. That's not my fault.

• 53:56Caleb Hammer?

  Maybe, but also, maybe not.

• 53:58Speaker 03

  Yeah. I mean, like, I'm applying for jobs. I apply for jobs every week.

• 54:02Caleb Hammer?

  Yeah, but I don't know what your resume looks like, how you're applying.

• 54:05Speaker 03

  I mean, I could show you my resume, and you could tell me if it sucks.

• 54:07Caleb Hammer?

  I don't know. I don't know.

• 54:09Speaker 03

  It's, the whole thing is, is that, like, you know, I apply for, the problem is, is like-

• 54:13Caleb Hammer?

  But you said you applied for, like, photography at Netflix. Like, [BLEEP] you.

• 54:16Speaker 03

  Yeah, I applied for photography at Netflix, but I also-

• 54:18Caleb Hammer?

  Diamond doesn't get that.

• 54:19Speaker 03

  -apply for waiting tables in Palm Springs. Like, I apply for everything, because I've worked all over the spectrum.

• 54:24Caleb Hammer?

  Your state's fault.

• 54:25Speaker 03

  Yeah.

• 54:25Caleb Hammer?

  Capital One, what am I looking at here? What am I seeing?

• 54:27Speaker 03

  Those are like my recent balances.

• 54:29Caleb Hammer?

  Yeah, pull up that Capital One app for me. Let me take a little peeky. Why tattoos on the finger, freak?

• 54:36Speaker 03

  That's for prosperity.

• 54:38Caleb Hammer?

  Okay, well, so far not working.

• 54:39Speaker 03

  That's for protection and that's for healing. And then these are like deities.

• 54:44Caleb Hammer?

  Okay, so Quicksilver, what's going on with this?

• 54:46Speaker 03

  Uh.

• 54:48Caleb Hammer?

  Imagine this balance. In your situation, this is more than your entire month income. $3,290.55 minimum monthly payment. Cause the thing is, you know what's absolutely crazy when I just think about this? I understand the support California wants to give you, and I want to do that as well. But the thing is, I wish there was more auditing in the fact that you're going to continue your business that loses money off that money. And it really sucks because I would love for me, my business and everything to be in California. Entertainment in LA or the tech density that is in Silicon Valley. I would love that. It would be incredible. And then the dream weather and environment and everything, but I can't. I can't get taxed more to have people using and abusing my money to subsidize their business.

• 55:32Speaker 03

  Well, it's not.

• 55:33Caleb Hammer?

  It's like, I could never do that. Again, that place should be the number one economy in the world on its own. On its own, outside of the United States itself. Like, it's crazy what they've done. They're just throwing it away.

• 55:44Speaker 03

  Well, I don't use it to subsidize my business. I think I need to go up on my rates. I think I need to go up on my rates. I think I'm not charging enough and I also am paying people.

• 55:54Caleb Hammer?

  Yeah, keep, keep going down that rabbit hole.

• 55:56Speaker 03

  I mean, it's true.

• 55:58Caleb Hammer?

  $76.06 of interest being accrued, you're getting a secure US correction?

• 56:05Speaker 03

  Yeah, I had a friend that was in jail that called me.

• 56:10Caleb Hammer?

  $20 for a phone call?

• 56:12Speaker 03

  No, it stays on your account so that they can call you and it like picks apart. It's like prepaid.

• 56:19Caleb Hammer?

  Maybe the people you surround yourself also aren't the best people.

• 56:22Speaker 03

  Oh, my God.

• 56:22Caleb Hammer?

  People with gaping assholes and those in prison.

• 56:25Speaker 03

  He's not in prison. He was in jail and it was.

• 56:29Caleb Hammer?

  Jail for what?

• 56:30Speaker 03

  A DUI.

• 56:32Caleb Hammer?

  Yeah, you're surrounding yourself with great people.

• 56:34Speaker 03

  Well, we don't hang out that often. He was my dog sitter.

• 56:37Caleb Hammer?

  I would say ever, nor would I let that person sit for my dogs. Miller's pro imaging spending more than you make. Gas, that's fine. Pickford? Mary Pickford?

• 56:49Speaker 03

  That was, I took my daughter to the movies.

• 56:51Caleb Hammer?

  Like, I guess once is not the worst, but is that even pleasant for other people? Isn't she just sitting there making noises and trying to run around?

• 56:59Speaker 03

  No, she watches movies. She loves it.

• 57:04Speaker 03

  She does. She does. She's, she's very theatrical. She loves movies.

• 57:09Caleb Hammer?

  Winning got some bullshit. Luxer front desk.

• 57:12Speaker 03

  Oh, that was when I worked in Vegas.

• 57:15Caleb Hammer?

  Usession.com.

• 57:17Speaker 03

  That's my, uh, scheduling software.

• 57:19Caleb Hammer?

  Naval Center. Scheduling software? Schedules yourself, you dumb, what are you doing?

• 57:23Speaker 03

  Well, it, it takes their payments and stuff out. So it's like a full-

• 57:26Caleb Hammer?

  Dude, the payments, the stripes, it take like a point zero zero zero zero zero zero zero zero one percent.

• 57:32Speaker 03

  I have like six different payment things.

• 57:34Caleb Hammer?

  Well, you're stupid then, you f-

• 57:37Caleb Hammer?

  What is wrong with you?

• 57:39Speaker 03

  Well, if they had an all in one, it would make it easier.

• 57:42Caleb Hammer?

  Still understand why you're doing this. And by the way, here, I'm pulling up statements, the thing you should have done. This is very simple and took me approximately five seconds to find, but okay, yeah, minimum payment a hundred and twelve dollars. And these were, again, your choices to get into. This is not you having a special child. Eighteen years to pay off your purchasing, interest, bullshit, bullshit, stupid, stupid, stupid.

• 58:04Speaker 03

  You're gonna break my-

• 58:04Caleb Hammer?

  Wow! Late fees up the dick this year. Late fees on both cards we've looked at so far, you f- What are you doing? Why the late fees?

• 58:12Speaker 03

  Well, if I'm, like, when I was making, like, less than two thousand dollars a month at my other job, like-

• 58:18Caleb Hammer?

  Weren't you doing other things on top of that, you f-

• 58:21Speaker 03

  Well, yeah.

• 58:21Caleb Hammer?

  Oh, you went through bankruptcy and then you opened this card immediately after?

• 58:27Caleb Hammer?

  Again, this is why I'm against that consolidation, bankruptcy, credit card transfers, anything, until behavior has changed. I'm not against them as tools, until behavior has changed and you did it and you didn't change behavior and look where we're at today. How much debt do you have?

• 58:41Speaker 03

  Uh, I would estimate maybe like thirty-seven to forty-two.

• 58:45Caleb Hammer?

  Fifty.

• 58:47Speaker 03

  Fifty?

• 58:47Caleb Hammer?

  Fifty.

• 58:48Speaker 03

  Oh, god.

• 58:49Caleb Hammer?

  Oh, my goodness, yes.

• 58:51Speaker 03

  Yes, more than I thought it was.

• 58:53Caleb Hammer?

  After going through bankruptcy, because you haven't changed your behavior.

• 58:57Speaker 03

  Well, some of it's, like, I had, like, student loans from when I went to school before and they just applied for loans on me and I have a car.

• 59:05Caleb Hammer?

  Listen, if you ever want a real job, I'll get you a course career certification in most, any industry now. They're great. A lot of people in the audience have used them. And you're not a credit card person, use the Fizz card, debit card that builds credit. What are we doing? Come on. And again, go through the Master Your Money program as well. That's all of our classes.

• 59:22Speaker 03

  Yes, sir.

• 59:23Caleb Hammer?

  And the community out there, a lot of them are in that community. Engage in it, be participating, they cheer each other on. It's great, okay?

• 59:29Speaker 03

  Okay.

• 59:31Caleb Hammer?

  Stop being a dumb fuck.

• 59:34Caleb Hammer?

  You have all the tools ready for your success instead of a bankruptcy this time.

• 59:38Speaker 03

  Well, I will not go into bankruptcy again.

• 59:40Caleb Hammer?

  You might.

• 59:41Speaker 03

  I, I will not. I will figure out a way.

• 59:43Caleb Hammer?

  Why?

• 59:44Speaker 03

  Because I, I worked in bankruptcy law. I know what it entails. I don't want to do that again. Because I didn't have any other option. I had lost my job.

• 59:53Caleb Hammer?

  And that's my concern is you might not this time. $55 minimum payment on this Disney card. Fuck you. Why do you have Disney? $1,692.97. Seven years to pay off.

• 1:00:03Speaker 03

  Well.

• 1:00:04Caleb Hammer?

  $38.19 of interest. What's going on with this card?

• 1:00:07Speaker 03

  That's like.

• 1:00:08Caleb Hammer?

  Late fee this year.

• 1:00:10Speaker 03

  Well, me and my daughter like Disney. That's our little bond thing that we do.

• 1:00:14Caleb Hammer?

  So $1,500 on what Disney?

• 1:00:17Speaker 03

  I mean, like we, we.

• 1:00:18Caleb Hammer?

  Oh, it's gone up to 1822?

• 1:00:21Speaker 03

  Well, we have passes that we go and.

• 1:00:23Caleb Hammer?

  Girl, you live in basic borderline poverty.

• 1:00:26Speaker 03

  It was like.

• 1:00:26Caleb Hammer?

  No, no. The literal state's about to subsidize you because you can't afford to live and you're going to Disneyland? Fuck you. Legitimately fuck you. We should not be giving you taxpayer money if you're going to Disneyland. That ain't going to McDonald's once a month. That is going to Disneyland.

• 1:00:43Speaker 03

  Well, it's cheaper to go once a month than it is to buy a ticket for a day.

• 1:00:50Caleb Hammer?

  No, you don't get to do either. Fuck you.

• 1:00:53Speaker 03

  Well, I'm thinking about.

• 1:00:54Caleb Hammer?

  You have a maxed out credit card on it, you dumb tits.

• 1:00:56Speaker 03

  Thinking about cutting it out to get out of doubt.

• 1:00:59Caleb Hammer?

  Thinking about. Thinking about. After bankruptcy, you're thinking about.

• 1:01:02Speaker 03

  Well, me and my daughter really enjoy it.

• 1:01:04Caleb Hammer?

  For money, you're thinking about it? Fuck you, piece of shit. Go to the park. What is wrong with you?

• 1:01:09Speaker 03

  Well, there is.

• 1:01:10Caleb Hammer?

  What is wrong with you?

• 1:01:11Speaker 03

  There is a lot of options for us to go to the park. So, I mean, I'm not opposed to doing it, but it is something we enjoy.

• 1:01:17Caleb Hammer?

  It's no longer an option. Yes, I enjoy so many things. It doesn't mean I could just do it. What are you talking about? We all enjoy a lot of things. It doesn't mean we just do it. What the? You think because you enjoy it, you have to do it? I didn't say it's not. I've never been to, uh, land. I've been to World and it was great.

• 1:01:32Speaker 03

  I went to World this year.

• 1:01:33Caleb Hammer?

  And it was great.

• 1:01:34Speaker 03

  I don't know. I don't really like World. I like land better.

• 1:01:37Caleb Hammer?

  It's bigger and better, but there is more humidity.

• 1:01:39Speaker 03

  Well, not even that. Like some of the rides are kind of busted. Like you get like one really good ride.

• 1:01:44Caleb Hammer?

  Listen.

• 1:01:45Speaker 03

  That's not what you said earlier. You said I look good for my age. Don't you be hatin' on me now.

• 1:01:50Caleb Hammer?

  You do. For thirty, I thought you were thirty. I thought you were thirty. Yeah, your face isn't busted. I just, I just say things.

• 1:01:54Speaker 03

  You chugging the haterade.

• 1:01:55Caleb Hammer?

  No, no, no, no, no, no, no. Listen.

• 1:01:57Speaker 03

  Sip sip.

• 1:01:58Caleb Hammer?

  I'm chugging, uh, you're for taking taxpayer money and going to Disneyland.

• 1:02:02Speaker 03

  Well, I'm not taking taxpayer money to go Disneyland because I don't have it yet.

• 1:02:06Caleb Hammer?

  It, in, it all connects in the end. And yes, you just said you got approved for like the three hundred, four hundred dollar a month one.

• 1:02:11Speaker 03

  Yeah, but I'm not getting it yet.

• 1:02:13Caleb Hammer?

  We're about to, and then we're gonna be paying off your credit card. That is from past Disney's.

• 1:02:17Speaker 03

  Well, I use my, I don't pay.

• 1:02:19Caleb Hammer?

  It all translates in the end.

• 1:02:20Speaker 03

  Well, the problem is I don't use my income that I make from my jobs to pay for my business bills. I only use my business money.

• 1:02:27Caleb Hammer?

  Girl, this is a Disney card.

• 1:02:28Speaker 03

  That's why some of the payments are late because I don't pay out.

• 1:02:31Caleb Hammer?

  It's been late on every card we've looked at so far.

• 1:02:33Speaker 03

  Yeah, because my business wasn't making any money.

• 1:02:35Caleb Hammer?

  Your business doesn't make any money. You can't say wasn't, it isn't.

• 1:02:38Speaker 03

  Well, it makes money. It's just.

• 1:02:40Caleb Hammer?

  No!

• 1:02:41Speaker 03

  Expenditures are more than what I'm making.

• 1:02:43Caleb Hammer?

  Yes, you don't make a profit, sure.

• 1:02:44Speaker 03

  Yeah, I don't turn a profit.

• 1:02:46Caleb Hammer?

  Okay.

• 1:02:48Speaker 03

  I know. That is why I'm going for a secondary career.

• 1:02:51Caleb Hammer?

  That was an interest this year so far across all cards and all this balance is even, okay, great. We have a Home Depot card.

• 1:02:56Speaker 03

  I needed to get a new refrigerator because mine broke.

• 1:02:58Caleb Hammer?

  You look like a lesbian. This makes sense. Can you pull out your Home Depot card? No way you're not bi.

• 1:03:03Speaker 03

  I'm not, but people seem to think, my best friend thinks I'm going to be a lesbian.

• 1:03:07Caleb Hammer?

  That's a lie. That's a lie. You're bi. You don't know it yet, but you're bi.

• 1:03:10Speaker 03

  I mean, ladies. I'm here. But I'm not really good with like repairs and stuff, but I do drive a Subaru.

• 1:03:18Caleb Hammer?

  I thought you were gonna say eating.

• 1:03:20Speaker 03

  I don't know. I've never have. I've never had the opportunity. No. I've never been with a woman.

• 1:03:25Caleb Hammer?

  Give it a try.

• 1:03:26Speaker 03

  I mean.

• 1:03:26Caleb Hammer?

  Good time.

• 1:03:27Speaker 03

  At this point in time, I've got such force likes. I am. I'm logging into it.

• 1:03:32Caleb Hammer?

  Nine hundred fifty-three dollars, twenty cents with a minimum payment of fifty-seven dollars, nineteen cents.

• 1:03:39Caleb Hammer?

  Oh yeah, yeah, yeah. What are you doing? And why can't you just click the view statements button like everyone else?

• 1:03:45Speaker 03

  Cause I'm special.

• 1:03:46Caleb Hammer?

  Give this to us. No, your child is. You do not get that same claim. You got ADHD, but ADHD does not prevent. Doop, doop. Cause that's all it took for me to get here.

• 1:03:57Speaker 03

  Well, there you go. I just wanted you to do it.

• 1:03:59Caleb Hammer?

  Purchasing, purchasing multiple. Now, let me make sure I screen record for, for chat. We love you, chat. $29 of interest accrued this last month. At least you're not at the limit, but you will be based on these trends. Hey, no late fees, but $300 in interest this year so far. Ah, it's at a 36% interest rate? 36% interest rate?

• 1:04:20Speaker 03

  I had no idea. I thought you couldn't go above 27.

• 1:04:23Caleb Hammer?

  What? What are you talking about?

• 1:04:24Speaker 03

  Oh, I'm thinking about cars.

• 1:04:25Caleb Hammer?

  Is that a law?

• 1:04:26Speaker 03

  I think cars. Isn't that cars? You can't have more than a 27% APR rate on that?

• 1:04:31Caleb Hammer?

  Two years to pay this off?

• 1:04:35Caleb Hammer?

  Oh my gosh.

• 1:04:37Speaker 03

  What else do you want to look at?

• 1:04:39Caleb Hammer?

  The rest of your statements as we go through, which is the show financial audit.

• 1:04:43Speaker 03

  Oh, is it? Where am I?

• 1:04:47Speaker 03

  Okay.

• 1:04:48Caleb Hammer?

  Yeah, you can try comedy while you're here.

• 1:04:50Speaker 03

  You know what? Uh, Kill Tony's in town. Maybe I will.

• 1:04:53Caleb Hammer?

  That's why I said maybe try comedy while you're here. Maybe you are special. It fully translates. Okay. PayPal, what's going on?

• 1:05:03Speaker 03

  Yeah, you're gonna break my legs on that one.

• 1:05:06Caleb Hammer?

  I don't do that.

• 1:05:07Speaker 03

  I don't know. You're getting close to it.

• 1:05:09Caleb Hammer?

  I'm not physical. And anyway, whatsoever.

• 1:05:12Speaker 03

  So, there's a.

• 1:05:16Caleb Hammer?

  It's over the limit.

• 1:05:17Speaker 03

  There's a loan on it for like 4,000, then there's a credit card. And then there's another loan.

• 1:05:24Caleb Hammer?

  I don't see the loan yet. I see the credit card.

• 1:05:26Speaker 03

  Yeah, there's, there's three different things on PayPal.

• 1:05:29Caleb Hammer?

  Credit card of which you're over the [bleep] limit and it takes three years to pay off, you dumb [bleep]. What is wrong with you? Why you [bleep] purchasing? It's only $8, but with the interest not included, you go over the limit. What is wrong with you? Why?

• 1:05:42Speaker 03

  I don't know why stuff comes out of that.

• 1:05:44Caleb Hammer?

  I'll tell you.

• 1:05:45Speaker 03

  Tell me, please. Cause I don't use that.

• 1:05:47Caleb Hammer?

  Swain Flight!

• 1:05:49Speaker 03

  Swing Flight?

• 1:05:50Caleb Hammer?

  Swain, Swain, Swain.

• 1:05:55Speaker 03

  Oh, I don't even know what that is.

• 1:05:56Caleb Hammer?

  Oh, you dumbass. What are you doing? What are you doing? What's the point? What are we doing? Uh, this is interest, interest, hundreds of interests here. 24%. Guess what? It's over that magical 27.

• 1:06:08Speaker 03

  Yeah.

• 1:06:09Caleb Hammer?

  It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is

• 1:06:21Speaker 00

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• 1:06:46Caleb Hammer?

  Time. This is a checking account that I personally use. And you get up to a $350 bonus with a new time checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull. And get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools or budgeting app. All this crazy stuff of this past year, because that is where my passion is.

• 1:07:29Caleb Hammer?

  We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You'll get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try Dollar Wise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible.

• 1:08:14Caleb Hammer?

  And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go.

• 1:08:23Caleb Hammer?

  You have a child. This is disgusting. None of this is due to her special needs.

• 1:08:28Speaker 03

  Well, I agree with that. It's due to my special needs.

• 1:08:33Caleb Hammer?

  Navis Rewards?

• 1:08:34Speaker 03

  That's Old Navy.

• 1:08:37Caleb Hammer?

  Old Navy, okay. $128.37. Five months to pay off, $30 minimum payment. No purchases. Hey, at least you made your minimum.

• 1:08:50Caleb Hammer?

  Um, you've had like three late fees this year, dude.

• 1:08:54Speaker 03

  Yeah, I get locked out of that account.

• 1:08:56Caleb Hammer?

  You didn't even send this card until literally like 12 hours ago.

• 1:09:00Speaker 03

  Well, no, I sent one earlier, but they wanted an updated.

• 1:09:03Caleb Hammer?

  Oh, my gosh.

• 1:09:04Speaker 03

  They wanted an updated payment on it.

• 1:09:05Caleb Hammer?

  I don't know, Colton, you just mentioned you had this one last night.

• 1:09:08Speaker 03

  I know. They sent me a list and they're like, what is this, this and this? And I was like, these.

• 1:09:11Caleb Hammer?

  Oh, my goodness. And it's also 34%. You get the worst interest rate credit cards that anyone could find.

• 1:09:18Speaker 03

  Well, yeah, that's because I was bankrupt.

• 1:09:20Caleb Hammer?

  Well, yeah, maybe learn your lesson from going through bankruptcy.

• 1:09:25Speaker 03

  I did. I just.

• 1:09:26Caleb Hammer?

  No, no, you didn't.

• 1:09:26Speaker 03

  I did.

• 1:09:27Caleb Hammer?

  You have $50,000 of bad debt. Shut the fuck up. Shut the fuck up. Shut the fuck up.

• 1:09:30Speaker 03

  Just go look because it's gonna get worse.

• 1:09:33Caleb Hammer?

  Great. And that's a learning lesson? So Flex Pay, what's this?

• 1:09:36Speaker 03

  That was airline flights that I had to get for last month of work.

• 1:09:41Caleb Hammer?

  Dumbass. This is so fucking stupid. So stupid. Monthly payment, $102.72.

• 1:09:50Caleb Hammer?

  So let's see.

• 1:09:53Caleb Hammer?

  Calculate your own damn balance because all you know how to do is send a email. Instead of an actual statement.

• 1:09:59Speaker 03

  Well, I didn't even know how to get that statement.

• 1:10:00Caleb Hammer?

  You don't know how to do anything.

• 1:10:02Speaker 03

  I know how to do some stuff. It's just some of these places it's hard.

• 1:10:05Caleb Hammer?

  $606.32, which is why I got it in two clicks from all the ones you pulled up your mobile app from. Shut the fuck up. So, okay, $616 or so about for a flight, an emergency flight for a business that we can't afford?

• 1:10:21Speaker 03

  Well, it wasn't an emergency flight, but it was a business expenditure.

• 1:10:24Caleb Hammer?

  All the f**ks was Areola. When you lose money on it? Most people don't lose money on fucking Areolas.

• 1:10:28Speaker 03

  That was for family pictures that I did.

• 1:10:31Caleb Hammer?

  For someone else's or yours?

• 1:10:32Speaker 03

  For my clients. Like I had a Krampus.

• 1:10:35Caleb Hammer?

  What did you make?

• 1:10:36Speaker 03

  After I paid everyone out or before?

• 1:10:38Caleb Hammer?

  Who'd you have to pay out?

• 1:10:39Speaker 03

  I had to pay out a makeup artist, the scare actors, the venue.

• 1:10:42Caleb Hammer?

  Yeah. How much did it cost in total?

• 1:10:44Speaker 03

  Uh, to pay everyone out?

• 1:10:46Caleb Hammer?

  Yeah.

• 1:10:46Speaker 03

  It was about $1,400.

• 1:10:49Caleb Hammer?

  And how much did you charge?

• 1:10:50Speaker 03

  Total, it was like 3,000 that I made on it. And I still have people that owe me money on it that haven't paid their balances.

• 1:11:01Caleb Hammer?

  So you're borderline breaking even after extra costs?

• 1:11:05Speaker 03

  Pretty much.

• 1:11:05Caleb Hammer?

  On top of it, this is so stupid.

• 1:11:07Speaker 03

  Pretty much.

• 1:11:08Caleb Hammer?

  Oh, here's the PayPal log.

• 1:11:10Speaker 03

  Yep.

• 1:11:10Caleb Hammer?

  Oh, what is it? What is it? Wait, minimum payment required every 90 days?

• 1:11:17Speaker 03

  30, I had, so it takes 30% out of my money that I get in PayPal. So it takes 30% out of everything that I make.

• 1:11:26Caleb Hammer?

  Why funnel things through PayPal?

• 1:11:28Speaker 03

  Well, sometimes I don't, I don't do it as much, but I do have stuff that funnels through there now.

• 1:11:34Caleb Hammer?

  Don't!

• 1:11:35Speaker 03

  Well, I have to pay it back.

• 1:11:36Caleb Hammer?

  Yeah, make your, make your minimum payment. Almost done? Well, how much do you owe?

• 1:11:41Speaker 03

  I think like three grand is left on it. Was like eight.

• 1:11:45Caleb Hammer?

  Almost done, no, it was like seven, by the way.

• 1:11:47Speaker 03

  No, with the interest, it's more.

• 1:11:49Caleb Hammer?

  Oh, the loan fee immediately added on top of it? Yeah, 8,381. Okay, so it's this 419, by the way, three, your minimum monthly is 140. If you, if you do it that way, which set up the auto pay for that. Instead of, don't run things through PayPal, so stupid. And what was this for?

• 1:12:06Speaker 03

  Uh, it was for equipment.

• 1:12:09Caleb Hammer?

  And we, as a society, who work and contribute, will be paying this off for you.

• 1:12:17Speaker 03

  Well, I'm, I'm paying it off. I mean, clap for me, clap.

• 1:12:23Caleb Hammer?

  Thank you for your contribution to our empire.

• 1:12:27Speaker 03

  Well, you're welcome. I'm keeping you employed.

• 1:12:31Caleb Hammer?

  How?

• 1:12:32Speaker 03

  What show are we on right now? This is your show, you get to sit here and bash me.

• 1:12:36Caleb Hammer?

  How many people apply a day? It's like 100, right? A lot more than a hundred? Okay, you're not keeping us employed.

• 1:12:43Speaker 03

  All of us who are bad with money are keeping you employed.

• 1:12:46Caleb Hammer?

  A part of that is correct, so it's a good point. But also, we could stop financial audit and this business would also still be profitable. So shut the fuck up. My other parts of the business.

• 1:12:57Speaker 03

  Well, this is one part that gets you out there for more people to have you supply and help them.

• 1:13:03Caleb Hammer?

  The business side is independent at this point.

• 1:13:05Speaker 03

  Well.

• 1:13:06Caleb Hammer?

  Thank you, because that's an actual success that contributes net to the taxpayer of this country.

• 1:13:11Speaker 03

  Well, eventually, I will get that way, but I need help.

• 1:13:14Caleb Hammer?

  You will take my tax money and we will pay off the loan for your business that does nothing. And contributes nothing.

• 1:13:19Speaker 03

  Cool, thanks.

• 1:13:20Caleb Hammer?

  Thank you for being a taker instead of a giver.

• 1:13:21Speaker 03

  Thanks for the tax payment.

• 1:13:23Caleb Hammer?

  You're welcome. I guess I have no choice.

• 1:13:26Speaker 03

  You're amazing. You're so great. Yep.

• 1:13:32Caleb Hammer?

  Speaking of which, US Small Business Administration.

• 1:13:34Speaker 03

  Yeah, and I pay that.

• 1:13:35Caleb Hammer?

  I bet you have a lot of flexibility here in emergency situations. Same with student loans, same with a lot of things.

• 1:13:41Speaker 03

  Well, it's only $44 a month, so, yeah.

• 1:13:44Caleb Hammer?

  The givers.

• 1:13:45Speaker 03

  Well, I pay $44 twice a month.

• 1:13:48Caleb Hammer?

  Our hero.

• 1:13:49Speaker 03

  I mean, like, I'm trying. Like, I try to make sure that gets consistently paid.

• 1:13:53Caleb Hammer?

  Yeah, but you've been late on every account except for one that we've seen so far. Are you actually doing this? So $88 a month, and you owe $8,082.40.

• 1:14:04Speaker 03

  Which I don't understand, because I started paying on that loan before and they lost all my payments.

• 1:14:10Caleb Hammer?

  It's because of interest.

• 1:14:11Speaker 03

  But like, the loan was only for $8,000 and I've been paying that for four or five years now.

• 1:14:16Caleb Hammer?

  Welcome to interest.

• 1:14:18Speaker 03

  But like, how, why is it still $8,000?

• 1:14:20Caleb Hammer?

  Because your payment is so small and your interest is likely so high.

• 1:14:23Speaker 03

  Well, then why wouldn't they give me a higher payment?

• 1:14:25Caleb Hammer?

  Well, no, not mandatory. It might take decades to pay off. Likely, like, listen, the intent of this, it's not necessarily a bad intent. It's to encourage small business in the United States. And obviously, this was disaster relief, which, I mean, is crazy that you got qualified for a business that is not successful in any way whatsoever, even before the pandemic. But regardless.

• 1:14:47Caleb Hammer?

  There is good intent behind this to encourage entrepreneurship and extra support in this country. And I'm sure a part of that is to have be a low payment, pay it off when you can. And or it takes decades to do so in order to support people. But why the are we supporting this? A business that just doesn't make a profit? Why are we supporting this?

• 1:15:07Speaker 03

  Well,

• 1:15:07Caleb Hammer?

  A photography business? This isn't someone opening up a brick and mortar and employing people. This isn't. I guess you subcontract.

• 1:15:15Speaker 03

  Yeah, I do.

• 1:15:16Caleb Hammer?

  I guess that's the one argument that could be made.

• 1:15:19Speaker 03

  I try. I just, I think I don't charge enough and I haven't. I've had to cut aspects of my career out so that I can be there for my kids.

• 1:15:26Caleb Hammer?

  Two thirds of this or three fourths of this is going to principal instead of interest. So it is getting paid off, but interest is likely heavier at the beginning in terms of percentage.

• 1:15:34Speaker 03

  That's why I make double payments because I.

• 1:15:36Caleb Hammer?

  Also, it's only 44 a month required.

• 1:15:37Speaker 03

  Yeah, it's only 44 a month.

• 1:15:39Caleb Hammer?

  Well, we're gonna do minimum monthly required.

• 1:15:41Speaker 03

  Okay.

• 1:15:41Caleb Hammer?

  To be clear. And you took this out for what specifically though?

• 1:15:45Speaker 03

  To keep my business afloat while we were out of money.

• 1:15:50Caleb Hammer?

  You're out of money.

• 1:15:54Speaker 03

  I mean, I couldn't work.

• 1:15:56Caleb Hammer?

  Why?

• 1:15:58Speaker 03

  I was pregnant and I was lived in the middle of nowhere.

• 1:16:01Caleb Hammer?

  Well, don't. That's a choice.

• 1:16:02Speaker 03

  Yeah.

• 1:16:03Caleb Hammer?

  Both of those things are a choice. Pregnancy less so.

• 1:16:05Speaker 03

  Well,

• 1:16:05Caleb Hammer?

  Cause it was kind of.

• 1:16:06Speaker 03

  I mean, I used it to keep my business sustained. I had to get equipment to repair like.

• 1:16:13Caleb Hammer?

  So stupid.

• 1:16:14Speaker 03

  I mean.

• 1:16:19Caleb Hammer?

  We need to, we need to audit everything. We need to audit every check we send. Subaru.

• 1:16:26Speaker 03

  Mm hmm. That's my car.

• 1:16:28Caleb Hammer?

  Oh.

• 1:16:29Speaker 03

  My lesbian car.

• 1:16:31Caleb Hammer?

  At least it's at a 4% rate, just under a 4%. Like, that's pretty decent. But $12,719.30, I mean, that's where it is now. What was it when you purchased it?

• 1:16:41Speaker 03

  Like.

• 1:16:41Caleb Hammer?

  Probably a car you can't afford.

• 1:16:42Speaker 03

  I put 12 grand on it.

• 1:16:45Caleb Hammer?

  Wait, over time or down?

• 1:16:46Speaker 03

  No, down.

• 1:16:47Caleb Hammer?

  Ah, when'd you get this?

• 1:16:48Speaker 03

  Um, in 22.

• 1:16:50Caleb Hammer?

  Oh, man.

• 1:16:51Speaker 03

  So.

• 1:16:51Caleb Hammer?

  $450 a month payment for you is horrendous.

• 1:16:54Speaker 03

  Yeah.

• 1:16:55Caleb Hammer?

  Why'd you get a car you can't afford? Also, where'd you get 12 to put it down?

• 1:16:58Speaker 03

  So I got in a car accident and I had insurance. I have really good insurance through USAA where they pay 20% of what the car is worth. It's a long story of how I got this car. Do you want to hear the whole or the short version?

• 1:17:12Caleb Hammer?

  Neither.

• 1:17:12Speaker 03

  So I had a 21 cross trek. And I was coming home from a sleep study and someone stopped in the middle of the highway. And I ran in the back of them and they drove off and left me on the side of the road.

• 1:17:22Caleb Hammer?

  You ran in the back of them?

• 1:17:23Speaker 03

  Well, because they stopped in the middle of the highway. Like literally stopped in the middle of the highway.

• 1:17:27Caleb Hammer?

  Maybe it was an emergency. I don't know.

• 1:17:28Speaker 03

  It wasn't. They drove off. They just didn't know how to turn. It was stupid. They were trying to figure out how to get off and exit and they just stopped.

• 1:17:36Speaker 00

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

• 1:18:02Speaker 03

  Because they were about to miss the exit. It was so dumb. So I got, so I got in that accident and I have insurance to where I get extra 12% over what the car is worth after it's paid off. So I got $12,000 over top of it to help buy a new car.

• 1:18:18Caleb Hammer?

  Very good.

• 1:18:19Speaker 03

  And I use that and put that down on the car.

• 1:18:21Caleb Hammer?

  Yeah, you can't afford this monthly payment with everything attached. Oh, and you already got student loans. Federal?

• 1:18:27Speaker 03

  Uh, yeah.

• 1:18:28Caleb Hammer?

  You went to a technical school.

• 1:18:29Speaker 03

  Yeah, when I was.

• 1:18:30Caleb Hammer?

  Well, you're in school now, so you got no minimum due.

• 1:18:32Speaker 03

  Yeah, that was in 2009. I was going to school for web design.

• 1:18:36Caleb Hammer?

  Should have stuck with that, even now AI.

• 1:18:38Speaker 03

  Well, it's so obsolete.

• 1:18:40Caleb Hammer?

  Yeah, but 6,131, you'll have to pay that back eventually.

• 1:18:44Speaker 03

  I, I know.

• 1:18:46Caleb Hammer?

  Is that all your debt? Cause there's a lot of paperwork left.

• 1:18:50Speaker 03

  I.

• 1:18:51Caleb Hammer?

  I guess the rest of it's checking though. Which is not a great sign.

• 1:18:54Speaker 03

  I did have a Victoria's Secret card.

• 1:18:56Caleb Hammer?

  Okay, three. Dead or?

• 1:18:59Speaker 03

  I still do, but I don't think I have a balance on it because I haven't used it.

• 1:19:03Caleb Hammer?

  $383.70 in this checking account. Apple cash out, ATM, who knows where the [bleep] that went? Thrasher magazine?

• 1:19:12Speaker 03

  That was, uh, at my job. That was like, it was an event. They had merch for a show.

• 1:19:19Caleb Hammer?

  Why would you buy it?

• 1:19:20Speaker 03

  Because I wanted to have a sweatshirt.

• 1:19:22Caleb Hammer?

  I want your child to have a roof over their head.

• 1:19:25Speaker 03

  I agree. Me too.

• 1:19:26Caleb Hammer?

  Snakebite Roadhouse, Monogro, Band of Mission, something, Apple Bill, Apple Bill, Peach Lodging, Cusina del Mercos, Italy.

• 1:19:38Speaker 03

  That's Disney.

• 1:19:39Caleb Hammer?

  Your Disney, fuck you. Titanic, going in and getting some bullshit from Chevron. What'd you get? What'd you get? $3.00. What did you get?

• 1:19:47Speaker 03

  Oh, I don't know.

• 1:19:48Caleb Hammer?

  Well, what do you get?

• 1:19:49Speaker 03

  I might get a yerba mate or something.

• 1:19:52Caleb Hammer?

  Fuck you. Make your shit at home, dude.

• 1:19:54Speaker 03

  All right.

• 1:19:54Caleb Hammer?

  Make your yerba mate at home. Make your coffee at home. Make your energy drinks at home. Gamer subs here. Take some free samples.

• 1:19:59Speaker 03

  Thanks.

• 1:20:00Caleb Hammer?

  There's endless amount of flavors. Very good. Get your free samples. Gamer subs dot G G. Link in the description below. Use code Caleb. And then when you figure out the flavor you want, get your bulk shit. Make your energy drinks at home. 40 cents a serving. No more stopping in and getting some bullshit. Pamela Benson, Raising Cane's, TikTok shop for 36 bucks. Fuck you. Marshalls, Los Angeles View, Chick-fil-A, fuck you. This and Dresser, fuck you. Another Adobe twice in one month. Showit.com, Pixiest, Taco Bell, American Airlines, Ink Street, First Watch, Sheets, Walmart, River City Body, Auntie Anne's, fuck you. Hot Topic, fuck you. Happy Arte, Richmond Airport, Auntie Anne's,

• 1:20:42Caleb Hammer?

  fuck you. Raising Cane's, fuck you. Apple Cash, Applebee's, McDonald's, Walmart, GoFundMe. You cannot GoFundMe? What the fuck is wrong with you? You're getting, you're about to get money from taxpayers. So we're giving you money. We're giving you money for you to donate to other people. That's great. I'm glad I pay so much in taxes. Fuck off. So you can go to Raising Cane's. Fuck off. Pull out your checking account. Sorry. Pull up, pull up your phone. Just open your phone. Just open your phone for me.

• 1:21:10Speaker 03

  It has to.

• 1:21:10Caleb Hammer?

  $15 in savings. Oh, overdraft fees up the dick this year. 25 in this account, down from 277. That's great. Oh, why, why are you the way you are?

• 1:21:23Speaker 03

  I don't know. I'm broken.

• 1:21:26Caleb Hammer?

  You pay for Chat G D P, which, G P T, uh, which is fun, but I don't think you should do it because you can't afford to subscribe. Settlemate Class Action subscription?

• 1:21:36Speaker 03

  Yeah, for like the class action lawsuits and stuff.

• 1:21:41Caleb Hammer?

  What?

• 1:21:42Speaker 03

  That's like, yeah, you can sign up for different. Well, I didn't mean to. I canceled that.

• 1:21:46Caleb Hammer?

  Simply sing my singing app Blink Home Monitor?

• 1:21:49Speaker 03

  Well, that's my cameras at home.

• 1:21:52Caleb Hammer?

  Bro, what are you doing?

• 1:21:56Caleb Hammer?

  She was paying for hinge. She stopped. You're not out there?

• 1:21:59Speaker 03

  Well, I started on a new app, but like, I don't really, I'm kinda like.

• 1:22:02Caleb Hammer?

  Where are you finding PP?

• 1:22:04Speaker 03

  I haven't had PP in six months.

• 1:22:06Caleb Hammer?

  Six months no PP?

• 1:22:07Speaker 03

  Mm-hmm.

• 1:22:08Caleb Hammer?

  Why?

• 1:22:10Speaker 03

  Cause I hate men. Time for girls.

• 1:22:13Caleb Hammer?

  Sure, yeah, les- les it up if you want to. That's fine.

• 1:22:16Speaker 03

  I mean, it's hard to find lesbians in gay Mecca, so.

• 1:22:21Speaker 03

  Palm Springs? Gay Mecca.

• 1:22:24Caleb Hammer?

  I'm sure there's lesbians too, though.

• 1:22:25Speaker 03

  They're not. They're all married.

• 1:22:26Caleb Hammer?

  There's lesbians everywhere. Global Balance 67 and PayPal, beginning negative 180. Google Neil Enterprise TikTok Shop Again, fuck off.

• 1:22:36Speaker 03

  Neil Enterprises is printing stuff.

• 1:22:38Caleb Hammer?

  Fuck off. TikTok Shop Again, fuck off. Guys, we're gonna give her tax money for her to do TikTok Shop Again and Spencer's Gifts and Starbucks and Starbucks.

• 1:22:45Speaker 03

  Well, I bought an ozone detector.

• 1:22:47Caleb Hammer?

  Fuck you, fuck you, fuck you. I don't give a shit. Starbucks, Disney, Roku, Spotify. This is what we're gonna subsidize for her. Spotify, Berry Farm, TikTok, TikTok, TikTok, CapCut, Custom Retail, Hulu, pull up your TikTok. Circle Graphics, Sheen, Roku, Starbucks, Venmo, Roku, DoorDash. That's what we're subsidizing, ladies and gentlemen. Remember that when you see how much taxes get taken out of your account? Give, give, give, give.

• 1:23:14Speaker 03

  Turn the volume down.

• 1:23:15Caleb Hammer?

  Is this you?

• 1:23:16Speaker 03

  Yeah.

• 1:23:17Caleb Hammer?

  What the fuck are those? Those things are huge!

• 1:23:19Speaker 03

  No, that's not, that's, that's, uh, that's one of my clients.

• 1:23:22Caleb Hammer?

  Oh, I was gonna say. I didn't see those flopping on the table.

• 1:23:26Speaker 03

  I used to have big boobs, though.

• 1:23:27Caleb Hammer?

  It's okay.

• 1:23:27Speaker 03

  They're gone now. Deflated fun bags.

• 1:23:30Caleb Hammer?

  It's better to be healthy than have big tits.

• 1:23:32Speaker 03

  I mean, it depends on who you ask.

• 1:23:33Caleb Hammer?

  For you. For you to be healthy than I would also rather have sex with someone that's healthy than morbidly obese. But I think all of us would.

• 1:23:43Speaker 03

  No.

• 1:23:43Caleb Hammer?

  Except for a couple of chubba chubba's. Yes. Are they? They do exist.

• 1:23:46Speaker 03

  I mean, I pulled more when I was chubby.

• 1:23:48Caleb Hammer?

  She has ninety eight things in her TikTok shop cart. Ninety eight.

• 1:23:53Speaker 03

  Well, I don't buy any of it.

• 1:23:54Caleb Hammer?

  Do you know how many TikTok shop purchases?

• 1:23:56Speaker 03

  Yeah, I bought like an ozone thing and I buy like little autism like timers and stuff to help calendars for my kid.

• 1:24:03Caleb Hammer?

  How do I get the past purchases on here? Oh, my gosh, I do not know how to use this. I have bought my first few TikTok shop items the other day, though.

• 1:24:10Speaker 03

  How'd you like it? Oh, I bought an allergen test on there that's supposed to test to see what's in your bloodstream and stuff.

• 1:24:16Caleb Hammer?

  Great. The life necessities.

• 1:24:18Speaker 03

  It is important.

• 1:24:20Caleb Hammer?

  I'm not saying it's like the least important thing, but. You probably got IBS like me. You had stomach surgery. No shit.

• 1:24:27Speaker 03

  Yeah, well, they think.

• 1:24:28Caleb Hammer?

  Okay, get the past purchases. Ninety eight things in your cart. Robin Hood, a thousand, and it's down. No one else is down in the market except for you. And then two thousand five hundred and this JP Morgan and something, maybe a rollover. I don't know. So three thousand five hundred for retirement at thirty seven. But thank goodness she has ninety eight things in her TikTok cart and she does DoorDash and we're about to subsidize her.

• 1:24:53Speaker 03

  Log into one of my other TikToks that actually have my orders in it.

• 1:24:59Caleb Hammer?

  So there's ninety eight things in the other cart?

• 1:25:01Speaker 03

  I got like, yeah, there is.

• 1:25:02Caleb Hammer?

  What about this cart?

• 1:25:03Speaker 03

  There's plenty.

• 1:25:04Caleb Hammer?

  There's ninety nine plus in this cart on this different account.

• 1:25:08Speaker 03

  Yeah.

• 1:25:08Caleb Hammer?

  ADHD cleaning planner, clothes?

• 1:25:13Speaker 03

  Yeah, I just lost a bunch of weight. I needed something to wear for work.

• 1:25:16Caleb Hammer?

  Is this the ozone detector? I don't know.

• 1:25:19Speaker 03

  Probably.

• 1:25:20Caleb Hammer?

  Rechargeable wood moisture.

• 1:25:22Speaker 03

  Yeah, the mold. It's a mold detector.

• 1:25:23Caleb Hammer?

  Oh, my gosh, what is?

• 1:25:24Speaker 03

  Cause I had black mold in my house at one time.

• 1:25:25Caleb Hammer?

  Okay, well, don't. Some sauce. I think that's the ozone thing. Yeah, it's like a dip or something. I don't know, dude.

• 1:25:32Speaker 03

  It's not a dip. It's a machine, bra.

• 1:25:35Caleb Hammer?

  Well, this is not a machine, you fuck.

• 1:25:37Speaker 03

  What is what?

• 1:25:38Caleb Hammer?

  It is lover boy oil for personal charm.

• 1:25:41Speaker 03

  Wait, what? Lover boy oil? Let me see that.

• 1:25:43Caleb Hammer?

  You can have it in a second. Books.

• 1:25:46Speaker 03

  I was like, dang, where's that at? I don't get that.

• 1:25:48Caleb Hammer?

  Shoes. You can't tell me it's for ozone and blood testing. Shut the fuck up. You got shoes and bras and bullshit.

• 1:25:53Speaker 03

  No, there's.

• 1:25:54Caleb Hammer?

  Some wristband things, some coloring things. You got some domineering bra thing. You got a toy.

• 1:26:00Speaker 03

  That's a back brace.

• 1:26:00Caleb Hammer?

  You got some.

• 1:26:03Speaker 03

  It's a back brace dude.

• 1:26:06Caleb Hammer?

  Kinky. You got some gels, you got some, I think that's a kid outfit, kid outfit, book, you know, things to scoop and greens into a

• 1:26:19Caleb Hammer?

  a drink, fabric, things to scoop into a drink, but dude, this is, this is all bullshit. It's all bullshit. Fuck you. It's all bullshit. You're dumbass.

• 1:26:31Speaker 03

  I mean, I need to get in that creator fund.

• 1:26:35Speaker 03

  Start selling that bullshit for people.

• 1:26:36Caleb Hammer?

  Cause even with good views, it doesn't pay much, but anything would be beneficial to you, I guess.

• 1:26:41Speaker 03

  I mean, I get paid 20 cents by Meta.

• 1:26:45Speaker 03

  It's pretty good.

• 1:26:46Caleb Hammer?

  Debt payments, $1,192.85, all your fault, nothing with the autism for your kid. $700 for rent? What about rent? What about utilities, internet, all that good stuff, combined?

• 1:26:57Speaker 03

  I would say about 300.

• 1:27:00Caleb Hammer?

  X. Phone bill?

• 1:27:02Speaker 03

  Uh, 147.

• 1:27:04Caleb Hammer?

  Why? Do helium, 30 bucks a month if T-Mobile's good in that area. Gas, roof from drive, drive, how much?

• 1:27:11Speaker 03

  Gas? I spend $300 a week.

• 1:27:16Speaker 03

  Yeah.

• 1:27:17Caleb Hammer?

  Alright.

• 1:27:18Speaker 03

  Cause I drive a lot.

• 1:27:19Caleb Hammer?

  I think the budget is immediately done. You do not make money off this, off your business. It, it, it's done. I mean, the budget's already broken, but that's 1,200, obviously. And car insurance?

• 1:27:29Speaker 03

  Uh, that is 209.

• 1:27:33Caleb Hammer?

  Groceries, you should be able to do 600 bucks a month, meal prep, meal prep, meal plan, meal prep, meal prep.

• 1:27:38Speaker 03

  I get food stamps, 247.

• 1:27:40Caleb Hammer?

  We subsidize your entire existence. Why should you get food stamps?

• 1:27:46Speaker 03

  Well, I, I don't get a lot of them. I get...

• 1:27:48Caleb Hammer?

  I, I accept the assistance for your kid because...

• 1:27:52Speaker 03

  Well, it's to feed my kid.

• 1:27:54Caleb Hammer?

  Shut up. I accept the assistance for your kid in terms of the time you have to take them to the, uh, you know, hospital or whatever, all that stuff, because you have to take time away from work. So it makes sense that that has helped. Why the fuck should you get food stamps? Because you've chosen to follow a passion instead of go get a job? Like the rest of the moms out there that take care of their kids. That is disgusting.

• 1:28:17Speaker 03

  I

• 1:28:18Caleb Hammer?

  What the

• 1:28:18Speaker 03

  Not that I don't want to work, I do.

• 1:28:20Caleb Hammer?

  And all benefits, I'm done. I'm done. It was just like, what the? Every single person that has had food stamps on the show doesn't, does not deserve it.

• 1:28:28Speaker 03

  Okay, well, that's your opinion.

• 1:28:29Caleb Hammer?

  No, it's not my opinion. You've chosen to follow a hobby. Instead of go get a job.

• 1:28:34Speaker 03

  Tried to make it a career and I, I've

• 1:28:35Caleb Hammer?

  Exactly. You tried to make your business work. So we decided to

• 1:28:39Speaker 03

  Well, it did. It did sustain me for years.

• 1:28:42Caleb Hammer?

  To subsidize your groceries? Because you're trying to be an entrepreneur? That shouldn't be how this operates. Do the risk on your own. And if the risk fails, you eat that. Or go get a job like every other single mother.

• 1:28:57Speaker 03

  Well, I did. I did that in 2024 because work got rough.

• 1:29:01Caleb Hammer?

  This is so stupid. How much do you get in, in value for food stamps a month?

• 1:29:07Speaker 03

  It's only like 247.

• 1:29:09Caleb Hammer?

  Okay, 350 for groceries for you. I'm not against food stamps. I'm not against this assistance. I am against giving it to people who are choosing to not get a job.

• 1:29:18Speaker 03

  Well, I'm not choosing.

• 1:29:19Caleb Hammer?

  Yes, you are to a certain point. The applying, I don't know how you're doing it. TP fund. Anything else you need to survive? You and the kid, I'll say 200. Medical health or their co-pays or anything? Probably not. You're probably unsubsidized.

• 1:29:32Speaker 03

  I am medical.

• 1:29:34Caleb Hammer?

  Yeah. Well done, California.

• 1:29:38Caleb Hammer?

  Gym?

• 1:29:40Speaker 03

  No.

• 1:29:41Caleb Hammer?

  Great. So we're funding your healthcare, but you don't have a gym to take care of your health?

• 1:29:45Speaker 03

  I do go to a gym. I just trade photos for a membership, so I don't have to pay.

• 1:29:52Caleb Hammer?

  Subscriptions, I'll give you 25 bucks. You have any pets?

• 1:29:56Speaker 03

  Yes, I have two large dogs.

• 1:29:58Caleb Hammer?

  What the? What are we doing?

• 1:30:00Speaker 03

  I had them before I had a kid.

• 1:30:01Caleb Hammer?

  Disgusting. Okay, 100 bucks for pet insurance, because no way you could take care of that if an emergency happened. How much for pet food?

• 1:30:09Speaker 03

  Uh, probably about 100 bucks a month.

• 1:30:13Caleb Hammer?

  Dude, this show makes it sound like I'm against all assistance whatsoever. It's just like everyone on the show. It's just, it's disgusting the way it's being used.

• 1:30:22Speaker 03

  I'm not out buying lobster and steak with it. I buy a bag of rice from Costco and like frozen food and like

• 1:30:29Caleb Hammer?

  I'm not saying that. The only reason you have food stamps though is because you're not working. And the only reason you're not working is because you're pursuing building your photography business.

• 1:30:39Caleb Hammer?

  So it's disgusting. Listen, I mean, this makes no sense. You're already underwater. You need $4,423.85 to survive on a monthly basis before you even pay anyone, do anything. This makes no sense. $1,423.85 is negative. Listen, I don't even know what to do. You already have what you want to do figured out. I know you get the Pell Grants. It helps a little, but it's that much a quarter, a semester. So that's not even enough to cover this. And you know, that extra money might come in, but you'll have less from the photography. I don't know. I don't know. It makes no sense.

• 1:31:24Speaker 03

  Yeah, I know.

• 1:31:25Caleb Hammer?

  And I don't know what to tell you because I don't think you're going to do anything. You're locked into your plan and I'm good with the therapy. The therapy makes sense, but you gotta stop this business bullshit and you gotta take applying to jobs seriously. My fear is that your resume is an absolute mess. It's catered for you having a longer term career. So why would any part-time job ever accept you? They're gonna know you're just gonna leave. It's an absolute disaster. We can look at that in the post-show. I don't know. I don't have an actual plan here. I don't because all the debt is debt you got into by choice. And I think it's going to be another bankruptcy, but there's no point in doing that unless you change your behavior first because you could actually relatively be very close to breaking even if you didn't have all the debt. But the debt you have is because you went into your business and you spend money on bullshit, thousands of hours

• 1:32:09Caleb Hammer?

  on bullshit. It's stupid. Join us in the post-show, guys, but let's get the hammer financial score. Spending a budget, overspend, zero out of 10, debt? I guess there's no collection, but for your income, it's horrendous. One out of 10, emergency fund, there was nothing, zero out of 10, retirement, 3,537?

• 1:32:28Speaker 03

  I have that CD.

• 1:32:31Caleb Hammer?

  Yeah.

• 1:32:31Speaker 03

  For like 3,000, yeah.

• 1:32:33Caleb Hammer?

  No, I saw 2,000.

• 1:32:35Speaker 03

  No, that's my retirement. I have a 3,000.

• 1:32:37Caleb Hammer?

  Okay, I'll give you a two out of 10. Real estate, zero out of 10.

• 1:32:42Caleb Hammer?

  Why do you have a CD? Fucking stupid.

• 1:32:45Speaker 03

  Well, cuz I I've just put I didn't know what to do with it and I didn't wanna spend it. So I just locked it in.

• 1:32:50Caleb Hammer?

  Well, I guess that's better than spending. Hammer Financial's score rounded up just barely to a one out of 10. Join Hammer Elite, three premium shows posted every single day, Monday through Saturday, six days a week. It is incredible, best membership in number one on YouTube for a reason. Come join us. Join us for an extra 20 minutes in the post-show. See you there. You're gonna call one of your clients who owes money?

• 1:33:10Speaker 03

  Yes.

• 1:33:10Caleb Hammer?

  How much is owed?

• 1:33:12Speaker 07

  I'm not paying it.

• 1:33:13Speaker 03

  Why aren't you paying it?

• 1:33:14Caleb Hammer?

  Wait, why?

• 1:33:15Speaker 07

  You took too long to get me my gallery. And I just felt like the photo shoot didn't turn out how I wanted it to, so I'm not paying it.

• 1:33:23Speaker 03

  I literally gave you a gallery to look at.

• 1:33:26Speaker 07

  Nothing looked like they were done to him. I just, I don't see the point in paying for it.

• 1:33:30Caleb Hammer?

  Has she paid anything yet?

• 1:33:31Speaker 03

  She paid the $75 deposit.

• 1:33:36Caleb Hammer?

  Join us Saturday, January 31st for Hammer Elite Day. A five-hour livestream featuring all of your favorite shows, but done live with you. See you there.

• 1:33:47Speaker 05

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