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Transcript 15,366 words · 6 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes, para los optimistas y los pesimistas, los que valoran lo de adentro, para los que están lejos, los que no vende lejos y los que no vende cerca, para los introvertidos y los extrovertidos, para los que piensan y los que hacen, para los que nos mostraron el camino. Coca-Cola, para todos. Compra una Coca-Cola en una tienda cerca de usted.
0:30 Speaker 01 Espolón Tequila. It arrives in a cloud of feathers with a cry to wake the dead.
0:36 Speaker 01 Espolón Tequila, balanced, delicious, perfect for nights out, nights in, and people who like to drink tequila. Just add ice, lime, and your mouth, then hold on tight. 100% a cafe, 0% ego. Espolón Tequila, for a real margarita, ride the rooster.
0:54 Speaker 02 Espolón Tequila, 40% alcohol by volume, 80 proof, copyright 2026, Comparia America, New York, New York. Drink responsibly.
1:00 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
1:03 Speaker 04 It used to be a little TikToker, but now I'm trying to move to YouTube.
1:06 Caleb Hammer? Hold on, I have a 401k to do this.
1:08 Speaker 04 I had to buy a new desk.
1:10 Caleb Hammer? And he's okay with this? A potential fiance, she's okay with a financial disaster on the other side?
1:17 Speaker 04 Well, probably because he wants me to have his babies.
1:18 Caleb Hammer? But he's gonna destroy himself.
1:20 Speaker 04 Well, look at me.
1:24 Caleb Hammer? Download my new simpler budget app today and take control of your money once and for all.
1:32 Speaker 04 Hello, my name is Monica. I am 23 years old. I am from Hartford, Connecticut, and this is a Goth on Financial Audit.
1:43 Caleb Hammer? A Goth on Financial Audit?
1:45 Speaker 04 Yeah.
1:45 Caleb Hammer? Okay, well, what does a Goth on Financial Audit do for a living up in Hartford, Connecticut?
1:51 Speaker 04 So I was originally doing tattooing, but now I just work full-time security.
1:59 Caleb Hammer? Okay, I don't see any tattoos. Most tattoo people we have on here are like heavily tattooed.
2:03 Speaker 04 Believe it or not, I-
2:04 Caleb Hammer? You do security? What kind of security? Not physical security?
2:07 Speaker 04 No, just like asset protection and like theme park security.
2:15 Caleb Hammer? Just stopping people from bringing in like a weapon?
2:17 Speaker 04 Um, so-
2:18 Caleb Hammer? Cause you're not stopping. How tall are you?
2:20 Speaker 04 I'm like five foot two. I have-
2:21 Caleb Hammer? Okay, you're not stopping anyone?
2:23 Speaker 04 I, trust me, I get stuff, I definitely get stuff done. One hundred percent.
2:26 Caleb Hammer? Okay, uh, how much do you make doing security? What are the hours for that?
2:30 Speaker 04 So technically I'm employed with two different places. Um, one of them is an amusement park and then right now it's just Target. Um, since the amusement park is currently closed, I'm exclusively working at Target.
2:42 Caleb Hammer? Security at Target?
2:43 Speaker 04 Well, yes.
2:44 Caleb Hammer? Again, who are you stopping? Okay, how much, so how much are you making this Target?
2:49 Speaker 04 Um, so starting is nineteen an hour and I get forty hours, but they always make sure it's a little under, so like thirty-nine, ninety-nine, ninety-nine.
2:58 Caleb Hammer? Hard, Connecticut's not cheap.
3:01 Speaker 04 Yeah.
3:02 Caleb Hammer? Nineteen bucks an hour?
3:05 Speaker 04 I, I, I was, uh, working another job with another company. It was twenty-four an hour at a bank. But I really hated working there, so I quit.
3:14 Caleb Hammer? When did you transition to this? You said, you, you mentioned tattooing, so what? Did you just stop tattooing?
3:19 Speaker 04 Um, so I just stopped. I just, it was-
3:23 Caleb Hammer? Why'd you stop tattooing?
3:24 Speaker 04 The industry is kinda messy. Like it's, I don't like-
3:27 Caleb Hammer? Well, we have a lot of tattoo artists on. What? Are you making more?
3:31 Speaker 04 Um, I think you can make quite a lot on-
3:33 Caleb Hammer? Why'd you stop? Why, why, why move careers?
3:36 Speaker 04 Um, so when you're in a tattoo artist, you have to do an apprenticeship and apprenticeship is awful. Like it's like the worst experience. You can probably participate in it.
3:46 Caleb Hammer? Well, isn't that kinda like a student intern after teaching or going through? Well, what's wrong with the apprenticeship?
3:52 Speaker 04 So kinda like an internship or anything?
3:54 Caleb Hammer? You have to? It is required? It is legally required?
3:56 Speaker 04 It's not legally required, but it's what you have to-
3:58 Caleb Hammer? Industry standard?
3:59 Speaker 04 Yes.
4:00 Caleb Hammer? Okay, so how long is that?
4:03 Speaker 04 So depending on the state, it could, uh, be two thousand hours or more. Um, so every state is different. So a tattoo artist that is already licensed has to sign off on those hours.
4:14 Caleb Hammer? Fifty weeks? That doesn't make any sense. If it's forty hours a week, two thousand hours, fifty weeks?
4:19 Speaker 04 Yeah, it's like more like-
4:20 Caleb Hammer? It'll take a year, essentially?
4:21 Speaker 04 Yeah, yeah, basically.
4:22 Caleb Hammer? Okay, so a year of your life for a higher income? So we've had people that make [bleep] in the bank on the show doing tattooing. Why do we give that up to make nineteen bucks an hour in a very expensive state?
4:35 Speaker 04 So, um, basically, when you go from one shop to another, those hours do not transfer over. So if you're having a bad experience at one place, if you go somewhere else, it does not carry over.
4:46 Caleb Hammer? What is a bad experience, though? Just hard work?
4:48 Speaker 04 No.
4:49 Caleb Hammer? What a lot of people deal with on the show.
4:51 Speaker 04 So, no, no, no, uh, a lot of people in the tattoo owners, like tattoo industry, start off tattooing in jail. So there's a lot of like shady characters in the tattoo industry. It's not all over.
5:00 Caleb Hammer? Someone trying to get you to sell meth? I know.
5:05 Speaker 04 Well, so there is, basically, when I first started, um, I was working at a tattoo shop that was in a mall. And the owner was kind of, I would, I definitely would say he's a predator, in my opinion.
5:18 Caleb Hammer? Oh, my goodness.
5:19 Speaker 04 One hundred percent. So what?
5:21 Caleb Hammer? I was thinking, some violence.
5:22 Speaker 04 Well, that too, but, um, every shop is different.
5:24 Caleb Hammer? Why? What do you mean?
5:26 Speaker 04 So he would wanna exclusively kind of do apprenticeships for girls and then kind of hit you with, um, you want these hours, you have to do something for me.
5:36 Caleb Hammer? Oh, what?
5:36 Speaker 04 Yeah, one of those. Yes, yes, this is.
5:39 Caleb Hammer? The diddle diddle?
5:41 Speaker 04 Yeah.
5:41 Caleb Hammer? And he, he propositioned that to you?
5:44 Speaker 04 He didn't get that far only because I, I left. Um.
5:51 Caleb Hammer? That's crazy. Sorry, go on.
5:53 Speaker 04 No, no, sorry. So he would just say a lot of like explicit like things to me, like, he was like, oh, you've never, uh, you've never seen a before. Do you wanna come in the bathroom with me and see mine?
6:02 Caleb Hammer? From my boss?
6:04 Speaker 04 Yeah.
6:05 Caleb Hammer? Sue his ass.
6:06 Speaker 04 Somebody said I should go to the news about it, but I.
6:09 Caleb Hammer? The news get money. Give this shit about the news, that's not gonna do anything to him.
6:14 Speaker 04 I guess that stuff is hard to prove, though, cuz it's like he said, she said.
6:17 Caleb Hammer? Yeah, but you're saying, if you said predator, that essentially means to me, ongoing behavior. Wouldn't there be like mountains of employees?
6:25 Speaker 04 Well, yeah, he does have a bad reputation, like people know of him because of that. Um.
6:31 Caleb Hammer? See, this, ladies and gentlemen, in the world of Twitter sphere and Reddit, is what is actually an abuse of power dynamics. People throw around the word power dynamics all the time, and it's so fucking stupid. No, the only bad thing about power dynamics is when someone abuses it and saying, uh, you can't make money here unless you diddle my ding, and that is bad. That is bad. You should get fired, and I want you to get money from him. Him.
6:58 Speaker 04 I know what he would do as well, um, because technically he's a piercer too, because some shop owners are tattoo artists. Uh, they're also piercers. So sometimes, well, I would say a lot of time, when girls would come in and they would want, um, like inappropriate, not inappropriate, like private piercings, like nipple piercings or genital piercing. He would lie and say there was no one else available, so he could do them.
7:18 Caleb Hammer? Other people available?
7:18 Speaker 04 Yes. There was girls there.
7:21 Caleb Hammer? Can, okay, poke the tits?
7:24 Speaker 04 Mm-hmm.
7:24 Caleb Hammer? Right.
7:27 Caleb Hammer? Okay, so you couldn't take the hours and move to somewhere else? How many hours did you have at that place?
7:33 Speaker 04 I think I was there for almost a year. I've been, I've been hopping around shops.
7:37 Caleb Hammer? You were there for almost a year?
7:38 Speaker 04 Yeah.
7:39 Caleb Hammer? If you were, that should have been about the fifty hours and then you could have moved on and done it, done your own thing.
7:43 Speaker 04 Yeah, but he has to sign off on it.
7:45 Caleb Hammer? And he wouldn't have unless?
7:46 Speaker 04 Of course not, yeah.
7:47 Caleb Hammer? Are you serious?
7:48 Speaker 04 Yeah.
7:48 Caleb Hammer? You know, for, that's fucking crazy.
7:51 Speaker 04 Uh, because he had, he had a sugar baby there, actually, um.
7:54 Caleb Hammer? What do you mean? Was it an employee?
7:56 Speaker 04 Yes, she was another apprentice and I would say sugar baby because I think she was okay with doing favors for him, for him buying her stuff, so.
8:07 Caleb Hammer? I mean, I mean, that's just this, I tend to be a consensual adult, can do whatever the fuck they want, but if it becomes a workplace where someone can literally fire you for not doing that, or something, that's just obviously where it's a no-go and that's just, even if she was okay with it, that is dramatically inappropriate.
8:25 Speaker 04 Yeah, I think she was like nineteen and he's like, I think he's like close to fifty, I feel.
8:29 Caleb Hammer? Yeah, yeah, well, I think the other part would be illegal, him utilizing his power, like, I know, yeah, it's considered weird and, you know, whatever, uh, but like, the other thing is actually what's bad. You know, the age difference, uh, you know, it's weird, but the fucking leveraging his work power over people, that shit's illegal.
8:51 Speaker 04 Yeah, I, I don't know, I was just, it's just scary because at the time, I think I was.
8:56 Caleb Hammer? So why don't you transfer to someone else without a fucking creep?
8:59 Speaker 04 I tried to, so originally I was actually at a really good shop before COVID, but that shop got shut down, so then I, I was forced to go to these like shady, shitty little places.
9:09 Caleb Hammer? Well, yeah, but it's not, it hasn't been COVID for a long time.
9:13 Speaker 04 Well, yeah.
9:14 Caleb Hammer? There's, there's other places, aren't there? I'm sure there's lots of small shit.
9:18 Speaker 04 I would have to count, so I've been to the one on the mall. And the one and done and then I think
9:24 Caleb Hammer? Okay, so how long have you been doing security now cuz not much can be hidden in your account?
9:28 Speaker 04 Um, the same, I've been doing it at the same time as basically from twenty twenty when I was doing the apprenticeships and security at the same time. Uh, because when you're kind of apprenticing, you still need like a job because you're not making any money.
9:44 Caleb Hammer? I can't even payroll payroll that came in was only a thousand one hundred forty six.
9:52 Speaker 04 Um, yeah, I think
9:54 Caleb Hammer? Like, what the am I looking at? There's. I mean, there's cash apps and PayPal and Venmo and a lot of shit payroll was a thousand forty six. So what what's going on? There's fidelity dispersment. But what the why was payroll so low? If you're getting basically forty hours a week, that math's I didn't said eight nineteen bucks an hour, you said?
10:16 Speaker 04 Yeah, it's nineteen an hour.
10:17 Caleb Hammer? Nineteen, you said like thirty eight, thirty nine hours a week?
10:20 Speaker 04 Yeah.
10:21 Caleb Hammer? I mean, come on, uh, just you wouldn't be in it. You're not in a high tax bracket or anything, but even still, I'd assume you'd bring home like at least two thousand five hundred, two thousand three hundred.
10:31 Speaker 04 Yeah, I think I think around that month I might have been training. So I just got that job in November. So I'm. Because, uh, the amusement park job, like I didn't get the promotion I wanted, so I had to look for another job.
10:46 Caleb Hammer? So what has your account normally? What can we expect?
10:48 Speaker 04 I typically like two to three thousand a month, I feel.
10:54 Caleb Hammer? Makes sense.
10:56 Caleb Hammer? That doesn't really make sense after taxes with the hours you're getting that you're saying.
11:02 Caleb Hammer? I'll put twenty five hundred.
11:04 Speaker 04 Yeah.
11:04 Caleb Hammer? But okay. Twenty five hundred.
11:08 Speaker 04 Mm hmm.
11:08 Caleb Hammer? So we know on the income scale what came in. Obviously, there were cash apps and some fidelity thing that I'm sure we'll talk about.
11:15 Speaker 04 Yeah.
11:15 Caleb Hammer? But how much was spent? What was your total spending?
11:20 Speaker 04 Um. I don't know. I definitely spent a lot of my income. I would definitely say.
11:26 Caleb Hammer? Yeah. How much did you spend?
11:28 Speaker 04 I probably most of it goes to like bills, but I think I kind of have a bad habit of spending a lot cuz I work at a store. So I would say probably like half of that probably.
11:42 Caleb Hammer? So a thousand one hundred came in. You think you spent six hundred?
11:46 Speaker 04 Yeah.
11:50 Caleb Hammer? You had me on my, on, on, you had.
11:57 Caleb Hammer? You're on, I was on your side so far because you were
12:03 Caleb Hammer? like, it sounds like a shit boss that you had a weirdo. But you're losing me here. You think you spent 600? You literally spent 10 times that. $6,228. What the fuck are you talking about?
12:17 Speaker 04 I thought I said more than, yeah. I thought it was half, sorry.
12:22 Caleb Hammer? Half of what, your income?
12:23 Speaker 04 Yeah.
12:24 Caleb Hammer? How are you so far off? How, how do you not know spending 10 times, listen, I get when someone says they spent 5,000 and they spent 6? Okay, but you said you spent 600 and you spent 6,000. How the poss, how are we so far? How are we so far? That is crazy.
12:44 Speaker 04 Um, I think probably because I don't budget at all. I don't do budgeting and I don't really track.
12:48 Caleb Hammer? That's, that, listen, no one that comes on the show does budgeting. But again, that loses a thousand dollars maybe. Or maybe like 25%. You were off.
13:02 Caleb Hammer? It was 10 times higher than you said. 10 times higher. That's not something that's, I don't budget. Like, how are you unaware that you, how do you possibly think you only spent 600? How about that? Let's go there. How is your mind in a place right now where you think you only spent $600?
13:22 Speaker 04 I do have a lot of credit cards, so sometimes that spending can get a little forgotten about.
13:27 Caleb Hammer? Why? Not even forgotten about, but you're able to at least assess like you spent. $600. $600 is not insignificant money, but in terms of a monthly amount that an American would spend. Oh, that's kind of small. There's no way. I'm sure your rent is at least that.
13:46 Speaker 04 My rent is 1,550.
13:49 Caleb Hammer? So there you go. How do you think you only spent 600 if your rent's a thousand?
13:54 Speaker 04 I think, so. I, I live with my boyfriend and sometimes he pays for a little bit more.
14:00 Caleb Hammer? Sometimes.
14:01 Speaker 04 Yeah, pays for a little bit more of the rent.
14:03 Caleb Hammer? Did the boyfriend know about the creepy boss?
14:05 Speaker 04 Yeah.
14:05 Caleb Hammer? Why didn't he go in and beat his ass? I would've.
14:08 Speaker 04 Well. It, it'd be ideal to do that, but that's not always the best solutions to resort to violence.
14:13 Caleb Hammer? I would've gone to the police, but, okay.
14:19 Caleb Hammer? I don't know how we can be so far away. Listen, you're guests on the show, so you don't leave this.
14:25 Caleb Hammer? Do not go back to Connecticut until you download our simpler budget app. We made this for people just like you and for those with advanced finances as well. Or just trying to get to a better position, but you get the premium version for free. Everyone else, they get a free trial, but you get it free forever. So take it, the automatic connections, the community chat, all the things that are in there. Take advantage of it. No longer budgeting is no longer an option. This is not an option. Let's be real, if your private student loans have your eye on a third job at the local taco stand,
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15:59 Speaker 00 Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.
16:29 Caleb Hammer? No statements on your kitchen table. Go to Y R E F Y dot com slash hammer. That's Y refi dot com slash hammer or call triple eight Y refi dash seventy eight. That is triple eight Y refi dash seventy eight and get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. Okay. Well, self assessed. What do you think your financial score is today? Zero to 10.
17:00 Speaker 04 Um, I would say like a four, four to 10.
17:11 Speaker 04 I think a four out of 10 still like a failing grade.
17:13 Caleb Hammer? It is, I guess, but five is like right down the middle, but not even that. You thought you spent 600, you spent 6,200. Where?
17:23 Speaker 04 I, I think it's a little bit of misunderstanding. I don't, I didn't mean to say 600. I think I meant to say like a different number, but I'm still wrong.
17:32 Caleb Hammer? What would that number have been?
17:34 Speaker 04 Probably a little bit more than 600, but I'm, it's still wrong.
17:38 Caleb Hammer? A little bit more than 600?
17:40 Speaker 04 Yeah, like, like a thousand or two, like 2,000, but.
17:48 Caleb Hammer? Why is your phone not on do not disturb?
17:50 Speaker 04 I'm sorry.
17:51 Caleb Hammer? Did you watch the onboarding video?
17:53 Speaker 04 Oh.
17:58 Caleb Hammer? That's okay. Okay. Well, if you watch your hammer financial score, find out where you think you are today. You can go to Caleb hammer.com or a link in the description below. Take the quiz, figure out where your finances stand. And also if you want to come on the show and you have an interesting situation, we'd love to talk to you. You can come on down here to Austin, Texas. The onboarding process is pretty intense, but it lets you know exactly what you're getting into. And it's a good time. So go to Caleb hammer.com slash apply and we'd be happy to have you on here. Okay, let's start going into these documents.
18:36 Caleb Hammer? Okay. Santander.
18:40 Speaker 04 It's a good bank.
18:42 Caleb Hammer? Okay. It's good to know if I'm ever looking for a bank, I guess. Well, eighteen, this isn't a credit card, okay. Eighteen thousand, because I was gonna say that'd be crazy. Sorry. Eighteen thousand, nine hundred fifty-seven dollars and sixty-seven cents. At a thirteen percent interest rate. Um, okay. Your minimum monthly payment is, principles, uh, two hu- uh, four hundred one dollars.
19:09 Speaker 04 Yeah.
19:10 Caleb Hammer? That's crazy. For your income situation, that's impossible. For the amount of money that came in last month, I don't even know how you would have paid that. What's this?
19:17 Speaker 04 Well, well, the intention for that wasn't for me to be the one to pay that, that's why. Um, so.
19:24 Caleb Hammer? What's that mean?
19:26 Speaker 04 My, so.
19:26 Caleb Hammer? What is this even for? What is this?
19:28 Speaker 04 When I got my, finally got my tattoo license, because I am licensed now.
19:32 Caleb Hammer? So you got it?
19:33 Speaker 04 Yeah, I got my license.
19:34 Caleb Hammer? Then why aren't you doing that?
19:37 Speaker 04 So I was at one shop and I had to leave because one of the artists would, acted like he was gonna hit me in the face, so I left.
19:43 Caleb Hammer? What the f- is happening? Okay.
19:44 Speaker 04 I don't know. Um, so then I was planning to go with two other artists and open our own shop. Because that is, you could easily, um.
19:52 Caleb Hammer? Eyes are up here.
19:53 Speaker 04 Sorry. Um, you could easily make the money back into the money you invest if you hire more artists, and then they pay you a percentage. Um, but that just didn't work out the way I thought it would.
20:04 Caleb Hammer? What happened?
20:05 Speaker 04 So.
20:06 Caleb Hammer? This was for that?
20:07 Speaker 04 Yeah.
20:07 Caleb Hammer? You borrowed a loan for the business that didn't happen?
20:12 Speaker 04 So.
20:12 Caleb Hammer? No, no, what happened?
20:13 Speaker 04 I'm not sure what the state of it is right now, but I did take out a loan, because it was.
20:18 Caleb Hammer? This loan?
20:19 Speaker 04 Yes.
20:20 Caleb Hammer? For?
20:21 Speaker 04 To make renovations on a hair salon, so then it can be.
20:25 Caleb Hammer? No.
20:25 Speaker 04 Yeah.
20:27 Caleb Hammer? What do you mean you don't know the state of it? What does that mean?
20:30 Speaker 04 Um, because the key had been taken away from me, and.
20:34 Caleb Hammer? What? Okay, hold, okay.
20:38 Caleb Hammer? What the are you talking about?
20:40 Speaker 04 So.
20:41 Caleb Hammer? Any context here?
20:42 Speaker 04 I can give you context. So um, there's already an established business. There is already a hair salon and we were gonna because it has to be up to code for a tattoo shop. It has to have sinks and certain doors. You have to make those renovations. And.
20:55 Caleb Hammer? What, certain doors, like escape doors?
20:57 Speaker 04 No, no, just there's no.
20:57 Caleb Hammer? Freaks that work there?
20:58 Speaker 04 You have to separate certain parts. They can't be exposed to each other. Um, and my my, so then I was asked like, hey, would you, could you take out, um, what's, no, no, they, no, sorry, let me backtrack. They had asked me, what's your highest, like, max on your cards? And I had said five thousand. They're like, can't, they were basically asking me to max out two of my credit cards. And I said, no.
21:25 Caleb Hammer? For what? To do those renovations to get up to standard? Okay.
21:28 Speaker 04 And I said, no.
21:29 Caleb Hammer? Who?
21:30 Speaker 04 Uh, just, uh, two people from a previous shop and we were gonna collaborate together to open our own shop.
21:34 Caleb Hammer? And they were already asking you this before you like signed the lease or anything?
21:38 Speaker 04 Yeah, I didn't, I didn't sign anything. I kind of made that gigantic mistake in like signing any documentation or any contract.
21:44 Caleb Hammer? Even, I don't even like, what the, did you even talk to the people who were, uh, who owned it? Was someone leasing the space?
21:51 Speaker 04 Technically, it was, there is someone, the owner, and then someone's an owner. They have a business license. So.
21:56 Caleb Hammer? Owner of what? The business that was in there or the property?
21:58 Speaker 04 The business, not the property. They're renting.
22:01 Caleb Hammer? Okay, so why didn't you have anything in place with the person, I guess, who was renting the like sublease or whatever? What, what was even the process? So you were talking about renovating with these two people before you even knew if you could be in the space? Nice.
22:16 Speaker 04 Um, yeah, I just, uh, pretty, I just trusted them. So I figured that whatever they were saying to me, um,
22:25 Caleb Hammer? How close are you to them?
22:26 Speaker 04 I've known them for a few years.
22:28 Caleb Hammer? But are they stupid?
22:30 Speaker 04 Um, I was expecting them to pay me back. They had made a promise that those be within a certain amount of time. And I just trusted them.
22:38 Caleb Hammer? But are they stupid?
22:39 Speaker 04 Maybe.
22:41 Caleb Hammer? You don't know?
22:42 Speaker 04 I don't want to speak like too ill of them because.
22:44 Caleb Hammer? I don't care. It depends on who you trust. There's people that I love. But if they're stupid, I'm not trusting them. To follow business decision that they're laying out that would require going into debt.
22:59 Speaker 04 I I felt like I kinda owed them because one of them had given me my license, like they sign off on my hours for me. Um, and even though we were all co-owners, I felt like I wasn't an owner. I was more like an employee.
23:11 Caleb Hammer? Co-owners.
23:12 Speaker 04 Yeah.
23:13 Caleb Hammer? You guys formed a business.
23:14 Speaker 04 Mm-hmm.
23:14 Caleb Hammer? No, you legally formed a business.
23:17 Speaker 04 Not legally. Just kind of word of mouth.
23:19 Caleb Hammer? Okay, so word of mouth, word of mouth to who?
23:22 Speaker 04 Well, it's not word of mouth, more like verbal contract. And and I've known them for a while. I just did whatever they needed me to do. Like one of them, I gave them a car, one of my old cars.
23:32 Caleb Hammer? The fuck are you talking about? You just gave them a car?
23:35 Speaker 04 Yeah, I I felt bad.
23:36 Caleb Hammer? You had an extra car?
23:37 Speaker 04 It was my old car. He got a new car. It was like my favorite.
23:40 Caleb Hammer? You can afford a new car?
23:42 Speaker 04 Well, I'm still paying it off. It's technically, I'm have a loan, car loan.
23:48 Caleb Hammer? Uh-huh, sure. Okay. Well, I'm sure we'll get into that. Okay, so you verbally agree to split at thirty-three point three three percent of the way.
23:55 Speaker 04 Yeah, so I I wasn't the only person who wasn't making payments is me because I'd taken the money out for them and they were supposed to make payments to me. Um, the the original.
24:05 Caleb Hammer? What was the agreed upon term? I gotta know something here. I mean, this, there's so many holes in this conversation.
24:11 Speaker 04 Well, the original agreement, it was verbal. I can't say. Yeah, yeah.
24:16 Caleb Hammer? Why?
24:17 Speaker 04 I just, I trusted their, I trusted them as friends, that's all. I didn't think I needed to.
24:21 Caleb Hammer? When money gets involved, always get a contract going, always get a legal contract going.
24:26 Speaker 04 They, so they had to like, oh, we can pay this off in a year, which is.
24:30 Caleb Hammer? Pay what off?
24:32 Speaker 04 The loan.
24:32 Caleb Hammer? This?
24:33 Speaker 04 Mm-hmm.
24:33 Caleb Hammer? Okay. So you didn't have an agreement to even be in the space, correct?
24:39 Speaker 04 I was supposed to be working in there too, but um.
24:42 Caleb Hammer? Working in there, what is working in there?
24:43 Speaker 04 Like tattooing.
24:45 Caleb Hammer? In a hair salon?
24:46 Speaker 04 No, but we had to separate the part that was able to be.
24:49 Caleb Hammer? Did the person who rented the space agree to that?
24:52 Speaker 04 Yes.
24:53 Caleb Hammer? They agreed to that?
24:54 Speaker 04 Yes.
24:54 Caleb Hammer? Did they get you on a sublease?
24:56 Speaker 04 No.
24:57 Caleb Hammer? Was there a?
25:00 Caleb Hammer? Conversation around getting you on the sublease.
25:03 Speaker 04 I didn't know a sub- sublease was a thing.
25:05 Caleb Hammer? Was there a conversation and getting any paperwork done for the space you were getting?
25:10 Speaker 04 No.
25:11 Caleb Hammer? Oh my, okay.
25:14 Caleb Hammer? Was the master landlord aware?
25:16 Speaker 04 Um.
25:17 Caleb Hammer? The building owner?
25:18 Speaker 04 I'm not sure, but I know we kind of made sure to have receipts back and forth.
25:22 Caleb Hammer? Receipts? What receipts?
25:24 Speaker 04 So, when you're paying a percentage to the shop, they want a receipt that you paid a percentage of whatever you earned to them because you're.
25:30 Caleb Hammer? Well, yeah, but that's not even close to what we're talking about.
25:33 Speaker 04 No, no, no, I'm tying it in, I'm sorry. Um, so then also receipts for the loan, like me making sure I'm taking the money they're giving me and actually paying the loan off instead of using it for whatever. Um, so I made sure to do receipts, but they weren't giving me.
25:45 Caleb Hammer? One of the people that was supposed to pay you back for this loan, were they the owner of the shop, or was it just your business partners?
25:52 Speaker 04 One person actually owns a business and.
25:54 Caleb Hammer? No, no, no, the owner of the shop that you were separating, in the different spaces, the hair salon!
26:00 Speaker 04 Yeah, yeah, yeah, yeah.
26:01 Caleb Hammer? That was one of them?
26:02 Speaker 04 Yeah, she's also a tattoo artist, too.
26:04 Caleb Hammer? Okay, so that was one of them?
26:06 Speaker 04 Yes, correct.
26:07 Caleb Hammer? Oh.
26:09 Caleb Hammer? Okay.
26:11 Caleb Hammer? Okay, okay, so you went to borrow a loan to do this?
26:16 Speaker 04 Correct.
26:17 Caleb Hammer? Did you have a contractor?
26:20 Speaker 04 Uh, yeah, because I went to the bank and we, I signed a contract.
26:25 Caleb Hammer? A contractor to build it?
26:27 Speaker 04 Oh, con- no, no, no, no, no. Uh, the, the.
26:30 Caleb Hammer? Who the was going to build it? You borrowed before you had an estimate?
26:35 Speaker 04 I think they already had an estimate of $10,000.
26:37 Caleb Hammer? From who?
26:38 Speaker 04 I'm not sure, I wasn't.
26:39 Caleb Hammer? No, no, who had an estimate?
26:41 Speaker 04 The, the owner of the business, technically.
26:43 Caleb Hammer? Well, I thought you were a co- a third owner, and I thought this was your responsibility. You took out the loan.
26:48 Speaker 04 Uh, I'm, I'm talking about the person on paper.
26:51 Caleb Hammer? Paper?
26:52 Speaker 04 Not paper, because there's only-
26:53 Caleb Hammer? What paper? You said nothing was on paper.
26:55 Speaker 04 No, I meant the, only technically one person owns-
26:58 Caleb Hammer? The tenant-
26:59 Speaker 04 Yes.
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29:37 Speaker 04 yeah so the because they have to do the plumbing and to change the plumbing because you need to have you to wash your hands before tattooing so you need
29:46 Caleb Hammer? yeah
29:46 Speaker 04 sink and all that
29:47 Caleb Hammer? you didn't have sinks in a salon
29:49 Speaker 04 they need to be a certain kind they can't be the ones that are meant to wash your hair it's not
29:52 Caleb Hammer? yeah but what plumbing would change you'd think that would be able to relatively be able to connect in with with whatever you need
29:58 Speaker 04 yeah that's they originally asked for 10,000 which is
30:02 Caleb Hammer? who asked I keep hearing they's and them's
30:07 Speaker 04 the
30:08 Caleb Hammer? Twitter bios
30:10 Speaker 04 the other owners the so the other two people involved they they asked me like hey
30:15 Caleb Hammer? they asked you for
30:17 Speaker 04 because they had asked me originally to max out two of my credit cards and I said no
30:21 Caleb Hammer? for the renovation specifically
30:22 Speaker 04 correct
30:23 Caleb Hammer? okay so you took out a
30:27 Caleb Hammer? wait if you got a quote for 10,000 hours why do I have an 18,957 dollar loan here
30:31 Speaker 04 so they had set that amount but then we went in to get pre-approved they came with me and they kind of spoke up and said we actually want this amount
30:39 Caleb Hammer? want they said want they didn't say need they said what
30:46 Caleb Hammer? okay and they said they could pay it back to you within a year
30:49 Speaker 04 which is
30:50 Caleb Hammer? verbally is that what they said okay what did they say their plan what was what was the minimum payment that they were going to pay to you so and also what about the interest were they going to pay into the interest that you are paying on the loan 13%
31:03 Speaker 04 I tried to explain to them based on the payments that they were making that that would
31:07 Caleb Hammer? what payments were they making though they were just paying you the minimum monthly payment
31:12 Speaker 04 correct
31:14 Caleb Hammer? If they pay the minimum payment until the loan is paid off, technically, they will have paid the interest.
31:19 Speaker 04 Yeah, but based on the timeframe that they had said, that wouldn't be possible.
31:23 Caleb Hammer? No, it wouldn't have been possible.
31:24 Speaker 04 It would be like five to six years.
31:25 Caleb Hammer? Yes, something like that, yeah.
31:28 Speaker 04 And then they got really upset with me when I brought that up.
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32:00 Caleb Hammer? What do you mean they got upset? Well, how did that conversation go? What is they got upset?
32:04 Speaker 04 Um, they didn't want to pay more than what they were actually, uh, paying me now.
32:08 Caleb Hammer? I mean, I guess on a minimum payment basis, they could. They'd just have to go longer.
32:12 Speaker 04 Mm-hmm.
32:13 Caleb Hammer? And they got upset at the idea of going longer?
32:15 Speaker 04 Yeah, so, after...
32:17 Caleb Hammer? But you showed it to them.
32:19 Speaker 04 I, I tried to explain it, yeah.
32:21 Caleb Hammer? Did you show it to them?
32:23 Speaker 04 Yeah. They, they have all the, they had all the documents, all the...
32:26 Caleb Hammer? What was their excuse other than not wanting to, or was that it? I didn't want to.
32:30 Speaker 04 They don't have, is the, what they said, they don't have...
32:33 Caleb Hammer? They don't have what?
32:34 Speaker 04 The money to pay the loan. Like, more than what they were already paying.
32:38 Caleb Hammer? Yeah, but they're just paying longer.
32:40 Speaker 04 I tried to explain that.
32:42 Caleb Hammer? Are they...
32:44 Speaker 04 I don't know. Um, I know, uh, after all this happened, we went to, we were supposed to go to a tattoo convention together. And a tattoo convention, it's, can be very lucrative. You can make a thousand dollars a day.
32:58 Caleb Hammer? From...
32:59 Speaker 04 From tattooing. You can tattoo people and make a thousand dollars, like, a day. And it's a three-day convention. And they were supposed to go with me. Um, but the last...
33:08 Caleb Hammer? So after all the experiences you've had with people in the tattoo world that have not been good, you decided to only do a verbal agreement for a loan that you're taking out?
33:19 Speaker 04 Well, I would say that's a different thing. I would say-
33:21 Caleb Hammer? How? They're in the same industry as all those other people that you said were bad. And you said you haven't met good people.
33:27 Speaker 04 I would say sexual misconduct and-
33:30 Caleb Hammer? It wasn't just that, someone also threatened to kill you. You also said everywhere you go to is seedy and sketchy with sketchy people. You said that. Yes, you had specific examples, but you said if you go anywhere, that's what you get. And you're trusting two of them.
33:43 Speaker 04 Um, I just knew them from a long time and they-
33:46 Caleb Hammer? And how'd that work?
33:48 Speaker 04 It was good until this point, I would say.
33:49 Caleb Hammer? What, what is this point? This point, this point?
33:52 Speaker 04 Well, I would say like a couple of months ago.
33:54 Caleb Hammer? When, when did this happen?
33:56 Speaker 04 In August.
33:58 Caleb Hammer? You took this out in August of last year?
34:00 Speaker 04 Correct.
34:01 Caleb Hammer? And it only lasted for a couple of months until it went to shit?
34:04 Speaker 04 Um, yeah. Um-
34:07 Caleb Hammer? Oh my, okay, so what happened?
34:10 Speaker 04 Um, so after I had this all, um, what's, we kinda had this loan stuff going on. Um, I kinda knew it was not going well when we were all, like I said before, we were supposed to go to a convention together.
34:23 Caleb Hammer? Oh, yeah.
34:24 Speaker 04 And they kinda bailed on me last minute. I ended up paying a lot more for the convention that I was supposed to.
34:29 Caleb Hammer? Are they closer?
34:31 Speaker 04 Closer in terms of-
34:33 Caleb Hammer? To each other than you?
34:34 Speaker 04 Probably.
34:35 Caleb Hammer? Probably? You don't know?
34:36 Speaker 04 I, yeah, because their age range, they're closer in age. They probably are closer than me.
34:40 Caleb Hammer? But that's not everything.
34:42 Speaker 04 Well, it's hard, they're like forty.
34:45 Caleb Hammer? Okay, but are they closer or not?
34:46 Speaker 04 Yes, they are.
34:47 Caleb Hammer? I don't know. I mean, I have a friend out there right now. She's a sister of one of my friends and she just turned twenty-one. And we have, uh, someone here that's like in their upper thirties, I think. Uh...
35:02 Caleb Hammer? Wait, what example is that? No, no, no, we have someone that's like twenty-five that works here. I'm still closer to her even though I'm older, cuz I know her.
35:11 Caleb Hammer? People are automatically closer cuz they're closer in age. I'm curious, are they closer?
35:15 Speaker 04 Yes, I answered, yes.
35:17 Caleb Hammer? There you go. Well, you answered in a weird way that didn't make sense. But- Okay, so then they bailed on you.
35:25 Speaker 04 Yeah, they just last minute canceled, like, I was... Um, they were supposed to book the Airbnb cuz I had already paid for the booth. The booth was a five hundred and twenty-five dollars. Which if you split it with- If you split it with three people, it's not that much.
35:40 Caleb Hammer? When did they bail? What, how many days in advance?
35:43 Speaker 04 The day of.
35:47 Caleb Hammer? Written contracts, people, written fucking contracts. And they were not on a contract to the booth, it was just you?
35:54 Speaker 04 Um, their names were on the booth, they've sent their information, like their licenses-
35:57 Caleb Hammer? But in the contract to rent it?
35:59 Speaker 04 There's no, there's no technical contract to rent-
36:01 Caleb Hammer? There's no contract to rent the booth?
36:03 Speaker 04 It's just a bill, you just pay for it, it's not like a contract, it's, you just pay for it, like kinda like-
36:07 Caleb Hammer? And you paid for it?
36:08 Speaker 04 Correct.
36:10 Caleb Hammer? And they were supposed to pay you back?
36:12 Speaker 04 They were supposed to, um, at least-
36:15 Caleb Hammer? Okay, so you went and you didn't have to split with anyone, so you made a ton of money, right?
36:18 Speaker 04 Uh...
36:19 Caleb Hammer? What's this, what are you doing?
36:23 Caleb Hammer? You fucking horse?
36:26 Speaker 04 Yeah.
36:27 Caleb Hammer? Oh, you're chewing into the mic, people are listening?
36:30 Speaker 04 Sorry.
36:31 Caleb Hammer? No, what are you doing? Why do you keep doing this?
36:34 Speaker 04 I'm hungry.
36:34 Caleb Hammer? You have a little stash, you can eat afterwards or before!
36:38 Speaker 04 I had a long flight.
36:41 Caleb Hammer? You were in the green room for like an hour, why did you fucking eat, why are you eating into the microphone?
36:45 Speaker 04 I was chewing my hair.
36:47 Caleb Hammer? Why are you eating into the microphone on a podcast, lady?
36:53 Speaker 04 I have a, I have an oral fixation with like chewing, but I like to be healthy. Actually-
36:58 Caleb Hammer? Oral fixation with chewing?
37:00 Speaker 04 Yeah, cuz uh, bored eating, I think, like-
37:03 Caleb Hammer? Don't we all have that?
37:05 Speaker 04 Yeah, but you're not supposed to eat when you're bored, you're supposed to only eat when you're hungry.
37:07 Caleb Hammer? Yeah, but like, what, if you can chew on pens and bullshit- Oral fixation, are we like diagnosing that shit?
37:14 Speaker 04 Well, that's not a diagnosis, it's more like just a thing, um, I mean, it, it helped me loo- lose like fifty pounds, though.
37:21 Caleb Hammer? Really?
37:21 Speaker 04 Yeah.
37:22 Caleb Hammer? Okay, maybe I need to get on the oral fixation carriage game-
37:25 Speaker 04 I should, I should show you the before and after picture of me, and then you'll-
37:29 Caleb Hammer? Okay, well, good for you, let's not eat during the podcast like a fucking weirdo, but...
37:35 Caleb Hammer? Okay, okay, so I don't know how the, you're recording a four hundred and one dollar minimum payment.
37:42 Speaker 04 Yeah, cuz it didn't really account for the principal or anything like that.
37:45 Caleb Hammer? Just the payment?
37:48 Speaker 04 I know, my account's gone in the negative a couple times.
37:51 Caleb Hammer? Oh, for fuck's sake. Okay, so what happened? You went there, you made a lot of money, right?
37:56 Speaker 04 I made just the money back. I didn't make a lot of money.
37:59 Caleb Hammer? You're saying you get a thousand a day there, but you rented the booth for 500. How'd you only make the money back?
38:04 Speaker 04 The reason why is cuz there was a Comic Con happening like nearby.
38:08 Caleb Hammer? So you wouldn't have made a thousand anyway, so why the fuck would you say that?
38:11 Speaker 04 Um, I'm just saying that's the reason why people go to conventions. Um, I've been to conventions a few times. I've been to like four conventions and I've always made like a good amount of money back. I think that was the first convention that was a bust for me.
38:23 Caleb Hammer? Okay. So when did they, are they paying anymore?
38:29 Speaker 04 Um, one of them, um, we're, we're trying to see what's going on because, um, one of them is-
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39:56 Speaker 04 Well, it's, it's hard to like when you're trying to- Resolve things amicably and contact but people aren't responding. I I I'm not like a police officer. I can't go and force people to do.
40:05 Caleb Hammer? When's the last time someone made a payment?
40:08 Speaker 04 Um, a partial payment was made for February. Yeah, so not a full.
40:12 Caleb Hammer? How much?
40:13 Speaker 04 Uh, I would say so. Two ten was made. No, that's not all of it. Two ten and a combination of a hundred, but I think she finished paying it off with eighty-five. So I don't know.
40:24 Caleb Hammer? Just one of them?
40:25 Speaker 04 Yeah, one of them paying on time, the other one doesn't.
40:27 Caleb Hammer? Which which which which one? The shop owner?
40:30 Speaker 04 The one who owns the hair salon, yeah.
40:32 Caleb Hammer? Okay, are you guys still doing this?
40:34 Speaker 04 I'm try I'm just trying to figure it out. Um.
40:37 Caleb Hammer? Where are we in the process? Because it sounds like the answer would be no.
40:42 Speaker 04 I was trying to communicate with them regarding a contact.
40:46 Caleb Hammer? Are you capable of communicating? Because like I I don't know. Are they incapable of communicating? Because listen, we're talking about since what did you say, October?
40:55 Speaker 04 Not October, August.
40:56 Caleb Hammer? No, no, no. Since the convention.
40:59 Speaker 04 The convention happened technically, I think in September was after August.
41:03 Caleb Hammer? So it's in September?
41:05 Speaker 04 Mm-hmm.
41:05 Caleb Hammer? Okay.
41:06 Speaker 04 Yeah. Um. It's just it's just it's it's hard to try to.
41:11 Caleb Hammer? Go to the salon.
41:14 Speaker 04 Go to the salon?
41:15 Caleb Hammer? You're a security person. Go beat her. Not actually, but at least go there. That's a way to talk to someone instead of waiting for them to text four months later.
41:24 Speaker 04 I am a little scared to do it, so I don't want to.
41:26 Caleb Hammer? Why? What is she gonna do?
41:28 Speaker 04 No, it's more so like, um. I was kind of raised to like, respect my elders, so it makes it hard to do confrontation with people older than me.
41:35 Caleb Hammer? Her, your, what the? The respect?
41:39 Speaker 04 Mm-hmm.
41:39 Caleb Hammer? That's not. That's not what's happening here. Respect is you can respect her as a person while still having a conversation.
41:46 Speaker 04 I don't.
41:47 Caleb Hammer? What do you mean? Going and talking to someone is not disrespectful.
41:50 Speaker 04 I don't think.
41:50 Caleb Hammer? What are you talking about?
41:52 Speaker 04 That's gonna work. I don't think they respect me.
41:54 Caleb Hammer? No, you can talk to them respectfully.
41:57 Speaker 04 I just. Based on how the I know their personalities, I just know that's not gonna work.
42:02 Caleb Hammer? Why? What's their personality?
42:04 Speaker 04 Um.
42:05 Caleb Hammer? So they can't talk, which means you can't talk to them.
42:08 Speaker 04 I've I've messaged, but if they don't reply, I can't force them to reply.
42:11 Caleb Hammer? You can go there. Hey, how you doing?
42:16 Speaker 04 I I've.
42:18 Speaker 04 I don't know. I'm just scared. I'm scared of the confrontation.
42:21 Caleb Hammer? Well, guess what? I have a minimum payment that is driving you into negative in your checking account multiple times since the fall. This is gonna ruin you.
42:29 Speaker 04 I know. I thought about that a lot. Cause I.
42:33 Caleb Hammer? But you've done nothing.
42:34 Speaker 04 I know. I talked to my mom about it.
42:36 Caleb Hammer? Oh, good. Yes. One of the most invested partners into this.
42:39 Speaker 04 Well, no, my mom was mad at me.
42:41 Caleb Hammer? Huh?
42:41 Speaker 04 My mom was mad at me. She.
42:43 Caleb Hammer? Yes.
42:44 Speaker 04 Yeah. She said, why did you do that?
42:45 Caleb Hammer? Yes. Why did you do it? It's dumb as.
42:48 Speaker 04 Yeah. Um.
42:49 Caleb Hammer? She's correct.
42:51 Speaker 04 She is correct. Um. I don't know. I just, I'm, it's hard to explain. It's like, it just like a. The anticipation of a negative interaction repels me from going. So I'm just, I'm trying to.
43:04 Caleb Hammer? Who says that has to be a negative reaction, interaction?
43:08 Speaker 04 I just know there's like legal stuff on with them, them too. So like.
43:12 Caleb Hammer? There's legal stuff?
43:13 Speaker 04 Yeah.
43:13 Caleb Hammer? What?
43:14 Speaker 04 Like, I can't really, I don't wanna like put anyone on blast. It's just, I just know they have issues and I just don't.
43:20 Caleb Hammer? With each other or?
43:21 Speaker 04 No, just in general, like in their own personal lives. And I just don't think it'd be a good idea. Um, I know, I just know like it just went nasty. So I just, I think if we go over there, it's just, well, or if I go over there, it's just gonna be an argument. Like, I don't think it's gonna be like.
43:36 Caleb Hammer? What does their legal stuff have to do with that though?
43:39 Speaker 04 Um, because you have, you would have to get them to sign a contract and they can just say no.
43:43 Caleb Hammer? Well, yeah, you're a dumbass.
43:46 Speaker 04 Yeah.
43:47 Caleb Hammer? Objectively.
43:48 Speaker 04 Just a little bit, yeah.
43:49 Caleb Hammer? No, a lot of it. This has destroyed you.
43:54 Caleb Hammer? Have you ever been laid on this?
43:56 Speaker 04 I think technically once. Um, because I.
44:01 Caleb Hammer? Did you make the payment five days ago?
44:04 Speaker 04 Five days ago.
44:06 Caleb Hammer? The payment was due five days ago. Did you make it?
44:09 Speaker 04 Five days ago.
44:11 Caleb Hammer? Yes.
44:12 Speaker 04 For, I know, I think, uh, February was already paid. I'm pretty sure.
44:16 Caleb Hammer? Oh, did you make your payment, Dame? That was the latest that could be paid before a fee hit.
44:20 Speaker 04 Yeah, yeah, yeah, yeah.
44:21 Caleb Hammer? You made the payment?
44:22 Speaker 04 Yes, yes. You, you probably scared for a second. Yeah.
44:27 Caleb Hammer? Belt? This is the card you can pay rent with, right?
44:31 Speaker 04 Yeah.
44:31 Caleb Hammer? Which is good for people that aren't stupid with their money. I have a feeling this is not good for you. Listen, I would just do the fizz card for you. Cause it's a credit card. It's a debit card essentially, or a bill. It's a debit card that builds credit.
44:51 Caleb Hammer? All that from a couple carrots, huh?
44:53 Speaker 04 It's because I'm really hungry.
44:56 Caleb Hammer? You burp when you're hungry?
44:57 Speaker 04 Well, because your body's trying to eat something that's not there, so then it makes you burp. Like you swallow.
45:02 Caleb Hammer? There's carrots there. Built.
45:05 Speaker 04 I do pay my rent with that card here and there.
45:09 Caleb Hammer? Yeah, but something tells me it's because you can't afford to pay your rent. Not because you're actually receiving the benefit that is coming from it. And that's why a lot of people use this card.
45:18 Speaker 04 Um...
45:18 Caleb Hammer? Uh huh. $1,270.23 on here. I mean, it went up from $982. No wonder you... Look, you spent $965 on here. That's more than you said you spent across the board. Across the fucking board.
45:33 Speaker 04 I think that was a labor from the previous month, because I haven't paid the balance.
45:37 Caleb Hammer? Huh?
45:38 Speaker 04 From the... I said the balance from the previous month. That's why...
45:41 Caleb Hammer? No, that's purchases.
45:42 Speaker 04 Oh, purchases. Oh.
45:43 Caleb Hammer? Yes, what do you think I just said?
45:45 Speaker 04 Sorry, sorry, sorry.
45:46 Caleb Hammer? No, no, no. I said it was more than you said in this previous month. How are you...
45:52 Caleb Hammer? Okay, $21.
45:54 Speaker 04 Mm-hmm.
45:55 Caleb Hammer? And $96 of interest accrued with a minimum monthly payment of $35. Alta, I guess to coat that face. That was probably the entire trip right there, this episode.
46:07 Speaker 04 I really like makeup.
46:11 Caleb Hammer? No shit. Everyone's very surprised.
46:17 Caleb Hammer? You look like you're in Mulan.
46:19 Speaker 04 Mulan. That's crazy.
46:21 Caleb Hammer? Marshalls, Five Guys.
46:24 Speaker 04 Yeah, Five Guys. I gotta treat, I gotta treat Pookie Princess to Five Guys.
46:30 Caleb Hammer? What?
46:31 Speaker 04 My boyfriend, Pookie Princess.
46:33 Caleb Hammer? That's, that's your boyfriend is Pookie Princess?
46:35 Speaker 04 Well, anybody can be Pookie Princess. That's like just someone you care about is your, your Pookie Princess.
46:40 Caleb Hammer? Oh, am I getting old? I don't know this. I know Pookie.
46:43 Speaker 04 I think, I think it's, it's just me. I swear. It's just me. It's just me. Cause I, I, even when like PD comes down to like Target, I call them Pookie Princess too.
46:53 Caleb Hammer? PE?
46:54 Speaker 04 PD, like Police Department.
46:59 Speaker 05 Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.
47:28 Caleb Hammer? What the fuck are you talking about? Okay, and then yes, you went to Target, got some bullshit. You're not buying anything necessary for five bucks. You're getting drinks.
47:40 Speaker 04 I'm trying to remember what I got. Uh.
47:42 Caleb Hammer? Bullshit.
47:43 Speaker 04 Definitely wasn't energy drinks. I don't think so. I think, hmm, was it chocolate milk?
47:50 Caleb Hammer? How the fuck would I know?
47:52 Speaker 04 Sorry, sorry.
47:53 Caleb Hammer? How the fuck would I possibly know? How would I know?
47:58 Speaker 04 Well, okay, so I probably, so.
48:00 Caleb Hammer? Something special.
48:00 Speaker 04 I can't probably tell what those drinks are, but I, there's a few times.
48:04 Caleb Hammer? But I know it's bullshit is what I'm saying.
48:08 Speaker 04 Um, yeah, I also
48:09 Caleb Hammer? You're spending money you don't have while you're going negative in your checking account because you took out a personal loan that wasn't backed by any kind of contracts that other people are supposed to pay. And now you can't afford to pay. Well, how does that make sense? How do you spend basically what you brought in last month on bull? How do you allow that? How's that acceptable? How long have you been dating your boyfriend?
48:28 Speaker 04 Four years.
48:29 Caleb Hammer? And he's okay with this? A potential fiance, a potential marriage, he's okay with a financial disaster on the other side?
48:36 Speaker 04 He told me that, um, even if he tries to give me things that I should do, that it's hard to get me to listen because I'm stubborn.
48:46 Caleb Hammer? I don't know if it's the stubborn part that's making it hard for you to listen, but yes, I get it.
48:53 Speaker 04 Cause he's not like controlling or anything. So I don't have to worry about that.
48:56 Caleb Hammer? That's not what I'm saying.
48:58 Speaker 04 Cause some people are like, control other people's finances even when they're not married.
49:02 Caleb Hammer? Yes.
49:03 Speaker 04 Like they'll like, I need your access to your
49:05 Caleb Hammer? Why aren't you listening to him? Someone who might know what he's talking about. I don't really know, but obviously you're in the worst place and he wants you to do better. Why not listen?
49:12 Speaker 04 He didn't really talk too much to me about it. I think he's just
49:17 Speaker 04 Oh, don't you talk about, we're talking about the loan, no? Cause I did talk to him about it. We're not talking about the loan right now. We're talking about that. We're talking about the
49:25 Caleb Hammer? Anything that you're doing.
49:27 Speaker 04 Uh.
49:28 Caleb Hammer? Are you guys gonna get married?
49:30 Speaker 04 Hopefully.
49:31 Caleb Hammer? Yeah?
49:32 Speaker 04 Yeah.
49:32 Caleb Hammer? Why would he marry this? Uh. Why would he pull this into his life that way?
49:39 Speaker 04 Um, probably because he loves me.
49:41 Caleb Hammer? Love, but he's gonna destroy himself. Yes.
49:46 Speaker 04 No, I mean, if you get legally married.
49:48 Caleb Hammer? Six thousand dollars more than you made. Five thousand, more than you made.
49:55 Speaker 04 Well, he's also trying to get a really good job.
49:58 Caleb Hammer? Good for him. And then you'll take all the money and blow it.
50:01 Speaker 04 No, I would not do that.
50:02 Caleb Hammer? You blow more than you make. What are you expecting to happen in the end? What's your, what's your, what's your fucking path out of here? What was your little magic plan here?
50:10 Speaker 04 Well, I wouldn't spend his money. I don't think that's
50:11 Caleb Hammer? Oh, come on.
50:12 Speaker 04 No.
50:13 Caleb Hammer? You wouldn't even know you are.
50:14 Speaker 04 No, no, no, no, no.
50:15 Caleb Hammer? You don't even know you're spending your own money.
50:18 Speaker 04 Well.
50:18 Caleb Hammer? You'd get a joint account and it would all be out and you'd be like, I'm just getting a pokey little five guys.
50:22 Speaker 04 Well, a joint account, I think it should be only for like kids. If you're having kids together, I think it should be like your joint account for money for kids and then you're all.
50:29 Caleb Hammer? What? That's an interesting new qualification for a joint account.
50:32 Speaker 04 Well, I'm saying that's what it should be. I'm not saying that's like a rule. So I am, I am.
50:37 Caleb Hammer? I'm just saying if you get access to his money, he's gonna spend it. But not only that, but you're gonna have debt, you're gonna bring debt into the relationship. Is he legally required to pay it? No, not necessarily. Unless he's on the debt and there gets complications, blah, blah, blah. So all these different things. However, in the end, he will feel like he should pay it. Because uh oh, this is my second half and you're making your debt worse and worse and worse every single month, worse and worse and worse and worse, again into stupid and stupid business deals. Why would he bring that into his life that way? In a more permanent fashion, in a more risky fashion? What if you use his credit or something? Just because you just think that's a normal thing to do and then you just.
51:14 Caleb Hammer? Apply to bullshit. Some dumb new business venture.
51:18 Speaker 04 Um, well, probably because he wants to have his babies.
51:31 Caleb Hammer? He might just be a little horny.
51:33 Speaker 04 Well, look at me.
51:37 Caleb Hammer? Yes. We all know. Everyone is aware.
51:44 Caleb Hammer? But I don't know if he's gonna absolutely destroy his life.
51:49 Caleb Hammer? Unless he's the.
51:51 Speaker 04 I think, I think.
51:51 Caleb Hammer? Testosterone is making him go there.
51:53 Speaker 04 I think we, I think it's worth if we have like ginger babies.
51:58 Caleb Hammer? Is he a ginger?
51:59 Speaker 04 And his family runs, and his family and mine too.
52:00 Caleb Hammer? Is he a ginger?
52:01 Speaker 04 His mom's a ginger.
52:02 Caleb Hammer? Is he a ginger?
52:04 Speaker 04 He's, I don't know if this makes sense. He's half ginger.
52:06 Caleb Hammer? What's your real hair color? Cause I know that is.
52:09 Speaker 04 Brown. No, I know. The roots are growing out. I know, I know. I have, I have to re-diet soon, but I've been putting it off.
52:18 Caleb Hammer? Yep. Okay.
52:21 Speaker 04 Um, I know a lot of time when I go to Target, I like to get press on nails. Um.
52:29 Caleb Hammer? What is it? Just a new, just every time you go in, that's your little sweet treat? Little press on sweet treat?
52:35 Speaker 04 Yeah, I, you can all, well, the best way to do it is to get press on nails and then you can just paint stuff on top of it.
52:42 Caleb Hammer? Bring them over here.
52:43 Speaker 04 They're not that great. They're outgrown. My favorite ones were the Sanrio ones.
52:47 Caleb Hammer? Nails, okay. So that's a special little thing that you have to, no more carrots.
52:52 Speaker 04 No, no, no, no carrots. I got something for you.
52:57 Caleb Hammer? Okay. What?
53:02 Caleb Hammer? Olive and June, I don't know what this is.
53:04 Speaker 04 They're press on nails. We're gonna put them on you.
53:05 Caleb Hammer? What am I supposed to, I, this is not your show. We're gonna put this on you. What are you even talking about?
53:15 Speaker 04 I know it's not your color, but.
53:17 Caleb Hammer? What would my color be?
53:18 Speaker 04 I would say definitely green, like a light.
53:23 Caleb Hammer? How much you spend on this on a monthly basis?
53:25 Speaker 04 Hmm, I think a pack of them could be like nine dollars. It could be eighteen if you buy two.
53:31 Caleb Hammer? Oh my.
53:31 Speaker 04 At sale, I know sometimes they're on.
53:33 Caleb Hammer? They're telling me to put it on. They're pressuring me.
53:35 Speaker 04 I think they're right.
53:37 Caleb Hammer? That kid, do I get to take them off? Are they easy to take off?
53:39 Speaker 04 Yeah, of course.
53:40 Caleb Hammer? How easy to take off?
53:41 Speaker 04 Um, just don't put too much glue on it and it.
53:43 Caleb Hammer? I don't know.
53:44 Speaker 04 I'll tell you, don't worry. I can help you. I can help you.
53:48 Caleb Hammer? You are building this up by, is this what you're getting for fucking Alta?
53:53 Speaker 04 Oh, no, no, no.
53:53 Caleb Hammer? Nine hundred sixty-five, oh, this is your Target thing? Nine hundred sixty-five dollars is what you spent? Nine hundred sixty-five dollars?
54:02 Caleb Hammer? That is almost what came in last month and you added that to a credit card that you can't pay off while you're negative in a checking account? While you're giving out loans that you can't.
54:13 Caleb Hammer? Fine, do a couple.
54:14 Speaker 04 Do a couple?
54:15 Caleb Hammer? I don't care.
54:16 Speaker 04 Okay.
54:17 Caleb Hammer? I've never done anything like this.
54:18 Speaker 04 Hold on, I need to eat a carrot, give me a second.
54:21 Caleb Hammer? No, fuck your carrots, stop with the carrots.
54:23 Speaker 04 Nooo.
54:24 Caleb Hammer? Stop with the carrots, no one gives a shit with the carrots, just don't crunch into the mic.
54:27 Speaker 04 Okay.
54:27 Caleb Hammer? You're a little weird person. Okay, let's see what fucking $965 of spending and $21 of interest is worth.
54:35 Speaker 04 It's not my favorite.
54:36 Caleb Hammer? At 28.49%.
54:38 Speaker 04 It's not my favorite brand, but...
54:42 Speaker 04 Because the Kiss brand is better, but...
54:43 Caleb Hammer? Am I gonna have the desire to get pegged once I get these on?
55:01 Caleb Hammer? You could have been a Twitch girl. You look like it.
55:03 Speaker 04 I really like video games specifically.
55:05 Caleb Hammer? Pen, I can't pick up the pen.
55:08 Speaker 04 You gotta...
55:10 Speaker 04 I really like horror games specifically, I know I'm anticipating the release of several Silent Hill games that are coming out. Um, I don't know when they're gonna be released though, there's like four of them, one of them was already released, it was a remake.
55:20 Caleb Hammer? You don't have money!
55:28 Caleb Hammer? You don't have money! I don't give a... How long does this take? No, wrong one.
55:40 Caleb Hammer? Did I throw that card? How the fuck do women operate?
55:44 Caleb Hammer? This is impossible! How long does that last card take to pay off, only doing the minimum monthly payments? The belt card, if you don't purchase anything, and all you do is purchase, so how long does it take to pay off?
55:56 Speaker 04 I'm hoping to pay half of it soon, or most of it, I'm just waiting, um...
56:03 Caleb Hammer? How long does it take to pay off? Minimum monthly payments only!
56:09 Speaker 04 Um, I think it's less than a year.
56:11 Caleb Hammer? Nine years!
56:13 Speaker 04 Oh.
56:13 Caleb Hammer? Nine fucking years, you'll be thirty-two.
56:17 Speaker 04 That's, uh, I mean, that's not that old.
56:23 Speaker 04 You gotta do with Grace.
56:24 Caleb Hammer? Target.
56:26 Speaker 04 I love Target.
56:27 Caleb Hammer? Yeah, you don't you work there?
56:29 Speaker 04 Yeah.
56:29 Caleb Hammer? They should be giving you money, not you giving them literal credit card debt.
56:33 Speaker 04 I know.
56:34 Caleb Hammer? You have a balance, well, it's a small balance. Do you pay this off every month?
56:38 Speaker 04 Uh, more or less, cuz it's easier to.
56:39 Caleb Hammer? More or less?
56:41 Speaker 04 Um, because there's a balance on it now.
56:42 Caleb Hammer? But do you?
56:43 Speaker 04 Yes, yes, yes, yes, yes.
56:45 Caleb Hammer? You sure? Every time?
56:46 Speaker 04 I would say ninety percent of the time cuz there's.
56:48 Caleb Hammer? Why the would you ever pay interest on this? Lady, lady, why? Why would you ever pay interest on this? I don't really get it.
56:53 Speaker 04 Cuz technically, uh, it looks better when you have a debt and then pay it off instead of paying it off immediately, I think. I'm pretty sure.
57:08 Speaker 04 This is way too sensual, I feel.
57:11 Caleb Hammer? You don't need to be here. Okay, so I'm not gonna put this down as a debt then, but you're purchasing so much on here. She's not doing the other hand. She is not. Oh, my gosh, dude. These are all both purchases cuz it's.
57:30 Caleb Hammer? It's so stupid. It's so much. What? What clothes? Why are you getting something? You're getting clothes every day?
57:34 Speaker 04 Okay, okay, listen, listen, listen.
57:35 Caleb Hammer? This is half, half the days of the month. Half of the days of the month.
57:40 Speaker 04 Hear me out, hear me out. Listen. Sometimes I'll buy things and then immediately return it.
57:46 Caleb Hammer? Yeah, but I haven't any returns on here, so I don't know what the you're talking about.
57:50 Speaker 04 There should be some funds being. Cuz I bought gym clothes and I returned them.
57:56 Caleb Hammer? Nope.
57:57 Speaker 04 Is that on the Target one? Yeah.
57:59 Caleb Hammer? Nope.
58:01 Caleb Hammer? Nothing returned on here.
58:04 Caleb Hammer? Nothing returned on here. Where's your returns? I don't see any returns. What are you talking about? Why are you returning everything?
58:10 Speaker 04 It's more or less because like if I need something and like if I wanted to go to the gym afterward.
58:14 Caleb Hammer? You purchase on the Target app?
58:15 Speaker 04 Yeah.
58:16 Caleb Hammer? Let me see.
58:17 Speaker 04 Don't look at the, don't look at the newest one. Don't look at it.
58:20 Caleb Hammer? What? The fuck? Headset?
58:22 Speaker 04 Yeah, the chromie headset.
58:24 Caleb Hammer? Yeah, you're a little bit of a freak, but we already know that.
58:27 Speaker 04 It's just the, the number next to it, that's it.
58:28 Caleb Hammer? Yeah, it's a hundred and eighteen dollars. You're negative in your ticket account and you're.
58:33 Caleb Hammer? This is stupid dude.
58:35 Speaker 04 It's limited edition, sorry.
58:37 Caleb Hammer? Limited edition, who gives a f**k? This is all stupid. It's bullsh**.
58:43 Speaker 04 I know, I should be, I should be a booster with Hello Kitty.
58:49 Caleb Hammer? The first clothing thing was at the beginning of this month, so you're not returning all the clothes. I said stop, give me, give me that. Give? Give? Give? Give? Give!
59:03 Caleb Hammer? Give? They're gone.
59:08 Caleb Hammer? Stop, you're crunching into the mic, you're being weird, man. Okay, stop trying to be a character. Are we here to fix your finances?
59:15 Speaker 04 Yeah.
59:16 Caleb Hammer? We can have fun, but are we here to fix your f**k finances?
59:19 Speaker 04 I feel like we're-
59:19 Caleb Hammer? Focus up!
59:20 Speaker 04 I'm focusing.
59:22 Caleb Hammer? Chase card, Amazon account, great. Yeah, the last thing you need is- Okay, it looks like this one's paid off every month too. So we're really dealing with like those two aggressively bad ones at the beginning. But a hundred sixty-four dollar balance, we're not really, you pay that off on a monthly basis. But it was a hundred sixty-four dollars purchases and seventy-five cents. And it's Amazon, Amazon. Okay, pull up your Amazon app, let's see it. Twenty-six percent interest, no fees. You pay this off every month?
59:44 Speaker 04 Yeah.
59:45 Caleb Hammer? Is it a more or less, or do you pay it off every month?
59:48 Speaker 04 To be fair, I do share-
59:49 Caleb Hammer? No? How would you answer the question to be fair? What the f**k?
59:52 Speaker 04 I share an Amazon account with my mom.
59:53 Caleb Hammer? Hey you! Look at me! My job is to sit right here and be the absolutely stunning figure that I am. And some things I just can't help, like my incredible ass, which is why you're all here, of course. But also, some things are in my control. For example, the pearly whites. I yap a lot, and some would say too much, so I get it. But listen, if I'm gonna yap, my teeth may as well look pretty damn good. I drank a lot of coffee to get through these audits, and I started noticing some staining on my teeth. So I've partnered with today's sponsor, Aura Glow. And they brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten, but they do it sensitivity-free.
1:00:35 Caleb Hammer? And that's always been why I can't use these types of products for long, due to my sensitive teeth. Seriously, these things are incredible. Make sure to go to Amazon and get the Aura Glow Teeth Whitening Strips, or click the link in the description below, so your yap sessions can be just as confident as mine, with stunning white teeth. Do you pay it off every month? I don't give a f**k. You pay it off every month is all I care about, because it's in your name.
1:00:58 Speaker 04 Yes.
1:00:59 Caleb Hammer? Show me.
1:01:02 Speaker 04 You want me to bring up, because Amazon and Chase are separate technically, because it's through Chase Bank? And then-
1:01:08 Caleb Hammer? The Amazon app where you purchase things.
1:01:10 Speaker 04 Okay, okay, but the purchases are also gonna be my mom's purchases and she pays with their own card.
1:01:13 Caleb Hammer? That's okay!
1:01:14 Speaker 04 Okay, okay, hold on.
1:01:15 Caleb Hammer? All these glove things and-
1:01:18 Speaker 04 That's my mom.
1:01:19 Caleb Hammer? Little artistry things and-
1:01:22 Speaker 04 My mom's a crafter.
1:01:23 Caleb Hammer? Clothing and coffee and cowboy hat. You don't have any subscriptions.
1:01:28 Speaker 04 I don't.
1:01:29 Caleb Hammer? I'm actively surprised.
1:01:30 Speaker 04 But that's not true, actually that's a lie. I do.
1:01:32 Caleb Hammer? Okay, well, nothing subscriptions on there.
1:01:34 Speaker 04 I have X- an Xbox membership, um, for the game pass.
1:01:39 Caleb Hammer? There is more gaming.
1:01:40 Speaker 04 I was thinking about turning it off because I'm like, not really into Xbox anymore. It's all about Playstation. But, I do have a gym membership, but that does, that does get reimbursed every year, um, because of my health insurance.
1:01:50 Caleb Hammer? And I'm okay with gyms, anyway.
1:01:53 Speaker 04 I get like, I get a back, because my Blue Cross Blue Shield, shout out.
1:01:57 Caleb Hammer? Okay, what is this?
1:02:00 Speaker 04 Put it straight, second, let me get it.
1:02:04 Caleb Hammer? What is this? Sorry.
1:02:06 Speaker 04 Oh, no, no, yeah, yeah, yeah.
1:02:07 Caleb Hammer? What is a nine thousand seven hundred ninety-seven dollar and fifty-four cent balance?
1:02:11 Speaker 04 Um, can I look at that, or no?
1:02:13 Caleb Hammer? Oh my, you don't know what your third loan is, out of three?
1:02:18 Speaker 04 Nine thousand.
1:02:19 Caleb Hammer? Is it the car? You said you had a car!
1:02:20 Speaker 04 Yeah, yeah, yeah, I'm sorry, I'm sorry. I, I forgot that I've been paying it off, because I remember it being significantly higher. Because it started off at eighteen thousand, now it's at nine thousand, that's why I got a little confused, yes.
1:02:59 Speaker 04 For my car. My Subaru, my Subaru Impreza.
1:03:03 Caleb Hammer? Ooh, I need someone to just come in here and just like, double hand this. Oh man, this is nice. What?
1:03:10 Speaker 04 I was, I don't know. There's no one else in the room.
1:03:13 Caleb Hammer? Yes, there is. Lindsay and Jacob are both back there, and I'll take both of them.
1:03:18 Caleb Hammer? Nine thousand seven hundred and ninety seven dollars and fifty four cents is your car. It's at a ten point three nine interest rate. You didn't need this car. You got rid of your last car.
1:03:26 Speaker 04 I know, I should have got a
1:03:29 Caleb Hammer? When did you get this?
1:03:30 Speaker 04 Uh, I would say three years ago.
1:03:32 Caleb Hammer? What's it worth?
1:03:34 Speaker 04 Originally, I had bought
1:03:35 Caleb Hammer? What's it worth?
1:03:36 Speaker 04 Twenty thousand.
1:03:37 Caleb Hammer? No, it's not. Right now? What's it worth?
1:03:41 Speaker 04 I don't know.
1:03:41 Caleb Hammer? Do you have your VIN?
1:03:43 Speaker 04 Not on me. I think
1:03:44 Caleb Hammer? Do you know it?
1:03:45 Speaker 04 Not by memory.
1:03:46 Caleb Hammer? Do you have it somewhere? Here?
1:03:48 Speaker 04 Yes.
1:03:48 Caleb Hammer? We don't need it. It's okay. It's until the end of the decade until you pay this off. Minimum monthly payment. Two hundred and sixty one. So you include that with your first and your second and we're already Almost seven hundred dollars in minimum monthly payments. I don't know if I can afford that one. Last month you borrowed a thousand two hundred or whatever.
1:04:06 Speaker 04 Yeah, I
1:04:09 Caleb Hammer? So you spend more than you make on a monthly basis and why your debt's going up?
1:04:12 Speaker 04 My debt to income ratio is not good. That is true.
1:04:16 Caleb Hammer? Why are you here?
1:04:17 Speaker 04 Um, I do wanna kinda get better with budgeting cuz I know if you
1:04:20 Caleb Hammer? Better with budgeting. You haven't even started budgeting though.
1:04:23 Speaker 04 I know, but get us
1:04:24 Caleb Hammer? But that's not better with budgeting. Why haven't you at least just started?
1:04:27 Speaker 04 Um, I I think I've just been putting it off cuz it's Just inconvenient. I'm gonna be honest.
1:04:34 Caleb Hammer? How? Isn't being in debt inconvenient? Isn't having negative money in your checking account inconvenient? What are you talking about?
1:04:39 Speaker 04 Well, just cuz it's involving other people. It's not just myself.
1:04:42 Caleb Hammer? Your budget?
1:04:44 Speaker 04 Well, no, like cuz the loan and stuff like that. So.
1:04:48 Caleb Hammer? What?
1:04:49 Speaker 04 Um, cuz that one involves other people.
1:04:52 Caleb Hammer? So it's less inconvenient because it involves other people?
1:04:54 Speaker 04 Having to tackle that specifically, that is inconvenient. But everything else, I I definitely have bad habits here. I can't help it. I'm I am a makeup girly and I'm a gamer. Gamer girly.
1:05:10 Caleb Hammer? Gamer girly. What the fuck are you talking about? You spent six thousand dollars.
1:05:13 Speaker 04 That's girl math.
1:05:14 Caleb Hammer? You spent five. It's not girl math. It's stupid. It's stupid. You spent five thousand dollars more than you made.
1:05:22 Caleb Hammer? Like, I don't know at that point.
1:05:24 Speaker 04 I was thinking-
1:05:25 Caleb Hammer? That's that girl math.
1:05:26 Speaker 04 I was thinking about donating plasma.
1:05:29 Caleb Hammer? It's not, uh, listen, your income's not great. You live with your boyfriend, you guys split rent?
1:05:33 Speaker 04 Yeah, we are hoping to leave there soon, um-
1:05:35 Caleb Hammer? Okay, and go where?
1:05:37 Speaker 04 To take out a mortgage for a house, but we're still trying to get-
1:05:40 Caleb Hammer? You won't be on it, will you?
1:05:42 Speaker 04 Yeah.
1:05:42 Caleb Hammer? No, he's doing it. This is what I told him. Do not let the fucking-
1:05:47 Speaker 04 He's doing it, he's trying to see if he can-
1:05:48 Caleb Hammer? Pair get to you. It, buddy, if you are watching this, no, you cannot allow her to be on a mortgage with you, man. You cannot allow her to be on a mortgage with you. You're lucky, you have like a hundred dollars of equity in this car. It's worth about nine thousand eight hundred twenty-eight dollars, okay? Okay.
1:06:10 Caleb Hammer? But the interest rate's horrible. You cannot get on a mortgage with him. He cannot, first of all, you're gonna like bring down his rates.
1:06:19 Speaker 04 Yeah, we're, we're both thinking about getting second jobs.
1:06:23 Caleb Hammer? How's the car doing?
1:06:24 Speaker 04 It's pretty good. I, I would say it's slight damage-
1:06:26 Caleb Hammer? How many miles?
1:06:28 Speaker 04 I think it's-
1:06:30 Caleb Hammer? And what's the damage?
1:06:32 Speaker 04 Four, it's either forty-eight, fifty or something thousand or something.
1:06:35 Caleb Hammer? What's the damage?
1:06:36 Speaker 04 Uh, hit and run, someone hit my, front of my car while I was at work, um-
1:06:41 Caleb Hammer? At least you have airbags with you wherever you go.
1:06:43 Speaker 04 Yeah, it's not like too bad, it's just like there's a scrape in my car, but everything else is fine.
1:06:49 Speaker 04 I was working a sixteen hour shift, I come back and my car has a scratch in it.
1:06:53 Caleb Hammer? Is that all your debt?
1:06:54 Speaker 04 Uh-
1:06:55 Caleb Hammer? Three debts, really?
1:06:57 Speaker 04 I feel like there might be an additional one we're forgetting about.
1:07:00 Caleb Hammer? What? It would be yours, I don't know, I don't have your fucking life in front of me.
1:07:06 Speaker 04 Cause there's the, the loan, the car, um, credit cards, I think that should be everything.
1:07:13 Caleb Hammer? Hmm, I mean, you have a current balance, well, at the time of this statement of a thousand eight hundred twenty-seven.
1:07:18 Speaker 04 Yeah, that's cause it's rent, cause, um, cause I have to pay seven something for rent.
1:07:23 Caleb Hammer? So this is having enough in there for rent?
1:07:27 Caleb Hammer? Okay, Venwing out ten dollars and sixty-one cents, Microsoft Ultimate twenty-one dollars and twenty-four cents-
1:07:33 Speaker 04 Game Pass.
1:07:36 Speaker 04 Practice.
1:07:37 Caleb Hammer? Yeah, it's gonna take me a second. Cheers?
1:07:40 Speaker 04 Cheers.
1:07:40 Caleb Hammer? Liquor?
1:07:41 Speaker 04 No, no, no, actually, no, that's for, um, therapy.
1:07:46 Speaker 04 Or no, is it Cheers Liquor? Sorry, I've, my bad.
1:07:54 Caleb Hammer? You went and got some bullshit from Target.
1:07:56 Speaker 04 That's true.
1:07:57 Caleb Hammer? More bullshit from Target, and we've done that endlessly. There's-
1:07:59 Speaker 04 I love Target.
1:08:00 Caleb Hammer? There's more liquor in PayPal, out $2.96. Oh my, what?
1:08:05 Speaker 04 To be fair, when I, I usually get reimbursed for when I would go do liquor runs, that's not for me. I said one of them-
1:08:10 Caleb Hammer? Wait, but the deposit's $3,000 of it was from F- from F- Fidelity! What was that?
1:08:16 Speaker 04 That was, uh-
1:08:19 Caleb Hammer? What?
1:08:20 Speaker 04 That was an old 401K that I had.
1:08:22 Caleb Hammer? No, no!
1:08:23 Speaker 04 From when I was 18.
1:08:24 Caleb Hammer? No, no, that's incredible! That's incredible from 18! From 18 is exactly what you want! From 18 is exactly what you want! 18 to 59 and a half, the compound growth on that shit is incredible! Incredible! You would draw it? You would draw it all?
1:08:43 Speaker 04 Yeah.
1:08:44 Caleb Hammer? No! That, that $3,000 would've been like, $25,000!
1:08:50 Speaker 04 Yeah, it was, it stopped coming-
1:08:52 Caleb Hammer? What are you doing?
1:08:53 Speaker 04 It was sitting in a, a rollover, a IRA rollover. Because I was working at Chipotle when I was 18, and I'm obviously now-
1:09:02 Caleb Hammer? Why'd you pull it out? Why the f- possibly? I know you didn't make enough money, you spent way more than you made, but why the f- did you possibly pull it out?
1:09:09 Speaker 04 Via PC.
1:09:11 Caleb Hammer? Oh my f- so you're not getting rid of Game Pass? PC! I thought I'm a Playstation girl now, what the f-
1:09:18 Speaker 04 So, you can actually use the Game Pass on PC?
1:09:21 Caleb Hammer? That's why I said you're not getting rid of it!
1:09:23 Speaker 04 Yeah, I-
1:09:24 Caleb Hammer? Oh my gosh, do you, you can't, you don't comprehend a lot of, half the things that are said to you. I need to call that out, so that you can be more conscious of it.
1:09:32 Speaker 04 My therapist said I'm a little slow.
1:09:36 Speaker 04 Not like, not like mentally delayed, but like, hearing slow, like-
1:09:45 Caleb Hammer? Okay. So you got a brand new PC even though you're a...
1:09:49 Speaker 04 As different as rainbow color.
1:09:51 Caleb Hammer? Great, but you said you're a... You said you're a, uh... Playstation girl.
1:09:58 Speaker 04 Well, my boyfriend bought the Playstation for me, so I didn't have to buy it.
1:10:02 Caleb Hammer? Yeah, but why do you need to [bleep] see that? Yes, it's better, but you said you're on Playstation, that's your thing.
1:10:07 Speaker 04 Most of it was, um, I wanted to use it for video editing. I, I...
1:10:11 Caleb Hammer? Oh, what the [bleep]? What video editing do you do?
1:10:15 Speaker 04 I, I, it used to be a little TikToker, but now I'm trying to move to YouTube.
1:10:20 Caleb Hammer? Oh, you are?
1:10:22 Speaker 04 Um...
1:10:22 Caleb Hammer? Like, I'm here promoting yourself because you're using a fake name, so we're certainly not gonna share anything.
1:10:26 Speaker 04 Oh, no, no, no.
1:10:26 Caleb Hammer? What do you mean TikTok?
1:10:27 Speaker 04 Um...
1:10:27 Caleb Hammer? What do you... How many followers did you have on TikTok?
1:10:30 Speaker 04 Over a hundred K and I...
1:10:32 Caleb Hammer? Oh, that's actually, that's great.
1:10:33 Speaker 04 So, I needed like two monitors and... But I don't know how to make the second one work, so it's low-key useless, um...
1:10:41 Caleb Hammer? You don't know how to make the second one work?
1:10:43 Speaker 04 I bought a bunch of cords.
1:10:44 Caleb Hammer? You have a boyfriend, though?
1:10:45 Speaker 04 I know.
1:10:46 Caleb Hammer? At least a second set of eyes.
1:10:47 Speaker 04 I did buy a new desk because I was using a...
1:10:49 Caleb Hammer? Ah!
1:10:50 Speaker 04 I was using an old desk that my mom gave me.
1:10:52 Caleb Hammer? You pulled out of a 401K to do this, not to survive? Not to put a down payment on the house?
1:10:58 Speaker 04 Um, to be fair, like... A thousand for a desk, a new PC, keyboard, mouse, oh, that's pretty good.
1:11:06 Caleb Hammer? Oh, for video editing? You didn't need this whole PC? Did you have a computer?
1:11:10 Speaker 04 Hmm, no. I haven't had a...
1:11:12 Caleb Hammer? Where the [bleep] did you get that from? Where the [bleep] did you get that from?
1:11:20 Caleb Hammer? What's your PC? What are the specs? Save this conversation.
1:11:24 Speaker 04 Um, I don't have the specs memorized right now. I can look it up.
1:11:28 Caleb Hammer? What is the processor?
1:11:31 Caleb Hammer? You don't even know. What's the GPU? That's gonna be primary.
1:11:34 Speaker 04 I know, I know, it's high.
1:11:35 Caleb Hammer? For video editing, the GPU is gonna be the biggest part. What's your GPU?
1:11:39 Speaker 04 I don't know.
1:11:40 Caleb Hammer? You don't know your [bleep] GPU?
1:11:41 Speaker 04 I don't have it memorized.
1:11:43 Caleb Hammer? Yes, that even just...
1:11:44 Speaker 04 It's a good, I know it's good, because I looked up all this stuff before.
1:11:46 Caleb Hammer? But you don't know what anything is, so I don't know if you would know.
1:11:48 Speaker 04 I looked it up before I bought it.
1:11:50 Caleb Hammer? Yeah, but who knows what [bleep] you looked at when you looked it up?
1:11:54 Caleb Hammer? I have to take a [bleep].
1:11:57 Caleb Hammer? So what's in your retirement today?
1:11:59 Speaker 04 I don't think I have a retirement account set up at zero. I was supposed to set it up-
1:12:04 Caleb Hammer? So again, what are you here for?
1:12:07 Caleb Hammer? What's your intentions here?
1:12:08 Speaker 04 I do generally think... There's, I can learn some things from here, but I feel like maybe there's a little bit of some, what's the term? Not boundaries, stuff getting in the way.
1:12:23 Caleb Hammer? Oh, stuff getting in the way of you learning?
1:12:25 Speaker 04 My therapist said I'm a little slow.
1:12:27 Caleb Hammer? What possibly?
1:12:28 Speaker 04 So, I'm hoping to figure all this stuff out so I can start a family and then pursue like social media.
1:12:35 Caleb Hammer? You wanna start a family?
1:12:37 Speaker 04 And pursue social media.
1:12:38 Caleb Hammer? Not yet, no, you're not in a position for either of those things. You can't even afford to pay your own bills. You're spending more than you make. You're taking money from retirement.
1:12:45 Speaker 04 And-
1:12:46 Caleb Hammer? There is no way for you possibly, possibly to start a family, get a house-
1:12:50 Speaker 04 I grew up-
1:12:51 Caleb Hammer? Why are you pursuing social media? What the fuck do you do? What's your talent?
1:12:54 Speaker 04 Art.
1:12:55 Caleb Hammer? TikTok is easy to get, is that how you got following on TikTok was art?
1:12:58 Speaker 04 Yeah, so-
1:12:59 Speaker 00 Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola, para todos. Compra una Coca-Cola en una tienda cerca de usted.
1:13:29 Caleb Hammer? Is that why you got following on TikTok was art?
1:13:31 Speaker 04 Yes.
1:13:32 Caleb Hammer? Let me see.
1:13:33 Speaker 04 You want me to, with the TikTok or?
1:13:35 Caleb Hammer? Yes.
1:13:36 Speaker 04 You can have, let me see, right here.
1:13:38 Caleb Hammer? Art. I'm not five.
1:13:43 Speaker 04 Don't look at the ones of me, those are bad. Only the R ones.
1:13:47 Caleb Hammer? Well, that's what I'm trying to understand. You're not here to plug your shit.
1:13:52 Speaker 04 Um, I'm not allowed to.
1:13:53 Caleb Hammer? Exactly.
1:13:55 Speaker 04 No, my voice, don't do that.
1:13:58 Speaker 04 Don't, lower, lower it, please. I hate my son of my own voice.
1:14:01 Caleb Hammer? I'm just going through here and I don't understand why you have followers?
1:14:07 Speaker 04 Oh dude! No, Seb, you're looking at all the bad ones.
1:14:12 Caleb Hammer? You're kind of attractive when you look like a normal human being.
1:14:14 Speaker 04 That's so mean.
1:14:16 Caleb Hammer? What? Isn't that a compliment? Why are you sharing screenshots of people, of people? Conversations.
1:14:21 Speaker 04 What are you talking about?
1:14:23 Caleb Hammer? Got screenshots?
1:14:25 Speaker 04 Oh, no, that's so, there was like an art drama that happened involving someone trying to spread misinformation about another artist, so I was like in that.
1:14:32 Caleb Hammer? Why the?
1:14:35 Caleb Hammer? You're one of the weird internet?
1:14:37 Speaker 04 Yes, I am.
1:14:38 Caleb Hammer? Drama people?
1:14:38 Speaker 04 Mm-hmm.
1:14:39 Caleb Hammer? I don't know if I want you to be here.
1:14:41 Speaker 04 Well, that's a long time ago.
1:14:42 Caleb Hammer? Well, your YouTube is basically nothing.
1:14:44 Speaker 04 Yeah, I haven't posted in a while. I've been...
1:14:47 Caleb Hammer? Well, I mean, a month, but that's, it's like your YouTube is...
1:14:50 Speaker 04 I know it's going down because I haven't been posting the content that they like.
1:14:53 Caleb Hammer? No, your content is just...
1:14:58 Caleb Hammer? You're just drawing things?
1:15:00 Speaker 04 So that, that's art.
1:15:01 Caleb Hammer? I don't, okay, I don't know. Yeah, you can pull out a 401K for a gaming PC. I mean, at that point, I just don't understand. And you can't describe to me what you want, so like, I honestly, I'm not gonna do it. I, I'm gonna finish this, but I have almost no desire to because you can't actually adequately describe what you want. And I only want to talk to people who want help. Even if they're a little freaky, but you're not even able to describe what you want out of this.
1:15:28 Speaker 04 Well, I definitely wanna, I do wanna have a better future than when I...
1:15:33 Caleb Hammer? What can I do?
1:15:35 Speaker 04 Um, I know you said you were gonna present all these tools and...
1:15:39 Caleb Hammer? Yes, you get our classes, you get all our classes for free, you get Simple Budget for free. We can give you free, free therapy sessions with Sondermine. I can get you a course career certification. All the stuff that our audience loves, all the stuff that I love. Yes. That's the reason you came on?
1:15:54 Speaker 04 I think it's if you can get opportunities to be better, regardless of how slowly they might be, I think they're productive.
1:16:00 Caleb Hammer? What about this conversation?
1:16:02 Speaker 04 I think acknowledging that you have a problem is the first step of being better.
1:16:06 Caleb Hammer? So you're not listening to anything I'm saying then? So we're not making an impact right now?
1:16:10 Speaker 04 This is an impact. Um, you give a lot of tough love.
1:16:13 Caleb Hammer? What do you want from me?
1:16:15 Speaker 04 I want a better understanding of how to improve my debt over time.
1:16:19 Caleb Hammer? Okay.
1:16:20 Speaker 04 Mm-hmm.
1:16:21 Caleb Hammer? What about the retirement front? Because you just f***ed it.
1:16:24 Speaker 04 I was, uh, waiting, well, obviously it's past the time. I know some 401Ks, you have to wait till you're over 21. But now, obviously, I'm 23, so, um...
1:16:36 Caleb Hammer? Is that what the point of a 401k is to save for a few years?
1:16:40 Speaker 04 No, I'm just saying like-
1:16:41 Caleb Hammer? Then what the f**k are you talking about?
1:16:42 Speaker 04 I'm just-
1:16:43 Caleb Hammer? When did you pull from your 401k? Oh, it was that last month's statement?
1:16:46 Speaker 04 Yeah.
1:16:46 Caleb Hammer? What, how long have you been on this channel, knowing we existed?
1:16:49 Speaker 04 Just a little bit.
1:16:50 Caleb Hammer? Was it before or after that?
1:16:53 Speaker 04 Um, I would say after.
1:16:58 Caleb Hammer? That's insane, dude. That is f**king crazy. And then this PayPal's TikTok shop, Adobe, Best Buy, McDonald's. There's your fast food. Best Buy is 191, Adobe's 280. The f**k- Huh? TikTok shop 193, what?
1:17:14 Speaker 04 That was the desk.
1:17:15 Caleb Hammer? A TikTok shop?
1:17:17 Speaker 04 It was nice.
1:17:21 Speaker 04 I used to, I used to get free stuff from TikTok, but then TikTok got like-
1:17:23 Caleb Hammer? I actually have savings of 319. Your debt is not the absolute worst situation compared to a lot of people on this show. The business situation that you did with your friends is the dumbest f**king thing I've ever heard.
1:17:33 Speaker 04 Yeah.
1:17:34 Caleb Hammer? Uh, but then you pull out of your 401k and you act like you're just a moron with so many things. It's just, I, I don't, I don't understand. I can give you a debt payoff strategy, but you actually have to be someone willing to do the debt payoff strategy.
1:17:48 Speaker 04 Uh, I mean, I feel like I can-
1:17:50 Caleb Hammer? You pulled from a 401k recently.
1:17:52 Speaker 04 I, I can learn-
1:17:52 Caleb Hammer? You bought a gaming PC from your pulled 401k.
1:17:55 Speaker 04 I used to be a straight A student. I, I think I can-
1:17:56 Caleb Hammer? I don't give a f**k.
1:17:57 Speaker 04 I meant like-
1:17:58 Caleb Hammer? That doesn't matter anything. You could have been a grade A student at the special school. Like, I don't know.
1:18:04 Speaker 04 Um, no, I'm just saying I-
1:18:05 Caleb Hammer? That means nothing to me.
1:18:06 Speaker 04 No, I said I can, I can learn to be better.
1:18:11 Caleb Hammer? I just have to use my left hand for any kind of paperwork movement.
1:18:16 Caleb Hammer? No, where's the budget?
1:18:18 Speaker 04 Dude.
1:18:19 Caleb Hammer? Oh, I can't grab things!
1:18:24 Caleb Hammer? Uh, total income. I guess we say 2,500. What's your portion of rent on a monthly basis?
1:18:30 Speaker 04 1,550 and I pay half.
1:18:32 Caleb Hammer? 775 dollars. Okay, your debt payments. 698 dollars and 11 cents. What's your, what about utilities? How does that work in this house?
1:18:40 Speaker 04 Oh, we don't have to pay utilities or water.
1:18:42 Caleb Hammer? Okay. Internet? How does that work?
1:18:44 Speaker 04 He pays for internet. I don't pay for internet.
1:18:46 Caleb Hammer? Gas, vroom, vroom, drive, drive. How much you spend on a monthly basis?
1:18:48 Speaker 04 Uh, I would say I pay like 35 per week. So I have to drive really far for work. Because I wanted to work at the nicer Target and not the ghetto one.
1:18:56 Caleb Hammer? Yes, okay.
1:18:58 Caleb Hammer? I guess that's better for security. Car insurance.
1:19:01 Speaker 04 Uh, car insurance is roughly around, I think, two seventy-five. I could be wrong, though. It's definitely within that range.
1:19:08 Caleb Hammer? Phone bill?
1:19:09 Speaker 04 I don't pay for phone. My mom does.
1:19:10 Caleb Hammer? Well, when you're off of that, make sure you switch, make sure you do helium for only fifteen bucks a month.
1:19:15 Speaker 04 Okay.
1:19:15 Caleb Hammer? Same towers as T-Mobile. I allow you to contribute three hundred dollars to the food pile and a hundred dollars to TP fund. That includes makeup. That includes fuck, whatever you got going on over there that you need, okay?
1:19:30 Speaker 04 Mm-hmm.
1:19:30 Caleb Hammer? Medical healthcare, anything on a monthly basis that you need.
1:19:33 Speaker 04 My mom pays for that. Uh, but you're talking about expenses. Um, just therapy.
1:19:36 Caleb Hammer? How much?
1:19:37 Speaker 04 Uh, twenty-five per session. I only go every two weeks because.
1:19:41 Caleb Hammer? Fifty bucks. Okay, anything else? Pets?
1:19:44 Speaker 04 Um, I only have partial custody of my dog.
1:19:47 Caleb Hammer? Do you pay for the food?
1:19:49 Speaker 04 Sometimes, but it's been.
1:19:49 Caleb Hammer? How much?
1:19:51 Speaker 04 Like twenty.
1:19:52 Caleb Hammer? A month, okay, I'll say that. What about, does he have dog insurance?
1:19:55 Speaker 04 My mom pays for the dog insurance.
1:19:57 Caleb Hammer? Okay, see, this is, this is that. Honestly, a part of this conversation is suggesting more as to why your language is what it is, your knowledge is what it is, your dismissal, not dismissal, but your confusion, lack of being able to just comprehend things is because you are mama's little girl.
1:20:18 Caleb Hammer? And you're also taken care of by the boyfriend. You're just taken care of by people. You don't do anything. You're not responsible. You've never been responsible. You've never had to deal with your own shit. And if you do, there are people to bail you out. And people always take care of things and you've never been an adult for one time in your life. And that, literally, I am so glad we made this budget. Because that explains everything. That explains this entire conversation so far. It defined it. You're a child.
1:20:50 Speaker 04 My mom doesn't like you and she doesn't like people like you.
1:20:53 Caleb Hammer? I don't care. I've never thought about her in my life and I never will again.
1:21:00 Speaker 04 I think it's just because um, we, I grew up pretty poor. So I think my mom's just making sure I have everything.
1:21:06 Caleb Hammer? I did too, but guess what? I'm not enabled. Yeah, you have an extra hundred forty-one dollars on a monthly basis. It is going to take two hundred twelve months to pay off your debt. Oh, she doesn't even care.
1:21:19 Speaker 04 No, no, I'm listening.
1:21:20 Caleb Hammer? Seventeen years. So that's your debt. Yeah, I'm sorry. No, in reality, you need to go make more money. You can fuck with social media in your free time, but you need to go work sixty hours a week.
1:21:31 Speaker 04 I was at one point.
1:21:32 Caleb Hammer? Nope, do it again. Congratulations. Do it again and then start paying off your debt pretty aggressively. Make sure your friends pay for this uh, uh, debt. And that conversation, I can maybe call one in the post show and confront them.
1:21:43 Speaker 04 Oh, no, no, don't do that. Don't please.
1:21:45 Caleb Hammer? Maybe, we'll see.
1:21:46 Speaker 04 Don't do that.
1:21:47 Caleb Hammer? I like to call and confront people in the post show, so. Uh, yeah. You gotta pay off that car. And bill card and hopefully they take their responsibility, but don't get into any more business situations with these people.
1:22:04 Caleb Hammer? And you just need to grow the.
1:22:07 Caleb Hammer? I don't think you're ready to have a kid. I don't think you're ready to get a house. I don't think you're ready to get married. I don't think you're ready for any of the stuff that you are talking about.
1:22:16 Speaker 04 It's just tough.
1:22:17 Caleb Hammer? Spending on a budget, you overspent zero out of ten debt. That's not the worst for your income situation is bad, so I'll give it a two out of ten. Emergency fund, you have barely anything. Retirement, you just pulled it zero out of ten. Real estate, zero out of ten. Hammer financial score. What were you gonna say?
1:22:35 Speaker 04 I'm just saying there's um, a biological limit for like when you can have kids.
1:22:40 Caleb Hammer? Yeah, but it's also, you're twenty-three.
1:22:44 Speaker 04 Well, they said the younger you have kids, it's better, but.
1:22:46 Caleb Hammer? Of course, of course, but you're 23 and we live in 2025. It's not 1802.
1:22:52 Speaker 04 Yeah, my mom had two kids by the time she was my age.
1:22:55 Caleb Hammer? Uh huh. Also different times. My parents, and that's probably why they were poor. Mine were 18 and 19. That's why they were poor.
1:23:01 Speaker 04 And my mom was 19. My mom was pretty young.
1:23:03 Caleb Hammer? Okay, Hammer Financial Score, 1 out of 10. Guys, come to the post-show. We'll usually have some kind of fun confrontations. If she allows me to call these people, I'll call them. Probably gonna call someone. We'll figure that out.
1:23:13 Speaker 04 I'll throw up on myself.
1:23:14 Caleb Hammer? I don't care. This is what you deserve for eating carrots during the.
1:23:19 Speaker 04 Kayla. Kayla, this is what I used to look like?
1:23:22 Caleb Hammer? Oh, right? Isn't that the? You gotta keep it a little bit inside. You look great today. That's the point.
1:23:30 Speaker 04 People have said meaner stuff to me online. People leave.
1:23:32 Caleb Hammer? I'm not trying to say anything mean. Okay.
1:23:36 Caleb Hammer? To watch the financial audit post-show, click the join button below.
1:23:40 Speaker 00 Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no vende lejos, y los que no vende cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.
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