I Might Get Banned For This | Financial Audit

*JOIN FOR FREE* - I am personally paying for your Hammer *ELITE* subscription for the first month ➡️ https://bit.ly/chpostshow Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post-show, we learned she's not even paying her utilities!!! LA is fully enabling her, I'm so pissed. 💸 Download DollarWise today: https://bit.ly/dollarwiseapp 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 00:57 She Wasted Money Right Before The Show (Stealing?) 03:49 Job & Income 07:21 She’s Also A Professional Sugar-Baby 13:30 Explaining The Sugar-Baby Methods 20:00 She’s The Real Deal (Not A Fake Sugar-Baby) 26:20 Hinge Audit (Finance Show Btw) 30:10 Is She Overpriced? 35:05 Caleb Locked In 46:21 Phone Audit 48:58 More Sugar-Baby Techniques 51:00 Papas Upset 53:48 Hinge Audit 56:11 LA Is A Wild Place 01:00:17 BS CC Spending 01:08:48 “The Garage Fab Situation” 01:14:24 Shes Underwater On The Car 01:15:50 Much Dishonor 01:18:39 Checking & Savings Accounts 01:24:30 Budget!! 01:29:02 Hammer Financial Score ============================= Want more content? ============================= 🍿Caleb Hammer LIVE: / @calebhammerlive 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:28Speaker 01

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• 0:53Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube.

• 0:57Speaker 03

  Just to be clear, this is not my only form of income. My going rate is [bleep] dollars per meet and then [bleep] dollars per month.

• 1:05Caleb Hammer?

  Dollars per meet.

• 1:06Speaker 03

  I like, I charge extra for some things. Like this guy wanted me to [bleep] on his hand.

• 1:10Caleb Hammer?

  And [bleep] dollars a month?

• 1:12Speaker 03

  That's like an allowance. If you want to see me like, whenever you want.

• 1:16Caleb Hammer?

  And they can [bleep] whenever?

• 1:17Speaker 03

  Yeah.

• 1:19Speaker 04

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• 1:32Speaker 04

  See description for more details.

• 1:35Speaker 03

  Hi, I'm Angel. I'm 20, I'm from LA, and this is Financial Audit.

• 1:41Caleb Hammer?

  Yes, it is. Thanks for coming in. I want to start this episode with a pre-episode. A pre-episode. We were doing some classic pre-episode stalking on socials, as we do. And so, found you on Instagram. Very different hair color, by the way. You look like a granny on Instagram, and you look like you protest for a living here. But either way, we show, I saw your Instagram. I uploaded a story. Okay, I clicked on it. It's Santa shoes. She has these Santa... Slippers, I'm inserting the screenshot here with names blurred, of course, and a tag on them.

• 2:22Speaker 03

  Okay, I did not-

• 2:22Caleb Hammer?

  With tags, and you immediately like, is this a bad look before I come on the show? And I said, "Very."

• 2:27Speaker 03

  Okay.

• 2:28Caleb Hammer?

  You're purchasing expensive, right before you come on Financial Oddity, Santa slippers.

• 2:33Speaker 03

  First of all-

• 2:33Caleb Hammer?

  For LA, by the way, not even getting, not even getting cold.

• 2:37Speaker 03

  I have four pets. I have two cats and two dogs. The floors get dirty. I need slippers. I did not steal those. I swear.

• 2:46Caleb Hammer?

  Okay, did someone accuse you?

• 2:48Speaker 03

  Because the tag was on them.

• 2:49Caleb Hammer?

  Oh, the little beep beep tag.

• 2:51Speaker 03

  The security tag was on them. No, you know what? I'm not gonna tell the story. Should I?

• 2:53Caleb Hammer?

  Well, it's not like they care in LA if you walk out with them, not paid for anyway.

• 2:57Speaker 03

  Yeah, because I-

• 2:58Caleb Hammer?

  They won't come after ya.

• 2:59Speaker 03

  I did steal a candle that day, and the f***ing sensor went off, and I totally, me, I was with my roommate, and we were like, because she also stole stuff. So you ran in the back of me on purpose? Yep. Why is that? I hate talking, man.

• 3:12Caleb Hammer?

  Oh, wow, you're a creature, aren't you? I can already-

• 3:17Speaker 03

  And that was like-

• 3:18Caleb Hammer?

  She's gripping on.

• 3:19Speaker 03

  I'm gripping. Um, so then we were like, the, the security alarm goes off, we turn around, and then they're like, whatever, they just let us go. And then I realized it was because the security tag was on the shoes, so I-

• 3:31Caleb Hammer?

  Why are you stealing shit? I did not know that.

• 3:34Speaker 03

  Stole that shit. That's what I do.

• 3:36Caleb Hammer?

  Well, now, everyone knows it.

• 3:38Speaker 03

  Because, like, who cares if you steal from a big company? Like, what the f***?

• 3:44Caleb Hammer?

  Well, big company still employs people based on their profits, and yes, they might have things that are, overall, stock performance might be their favorite thing, but they do rounds of layoffs if stock is not doing well, and-

• 3:56Speaker 03

  You steal one thing.

• 3:58Caleb Hammer?

  Yeah, but if everyone has the same mindset as you, they just-

• 4:01Speaker 03

  Oh, it's just-

• 4:02Caleb Hammer?

  It still impacts people's jobs.

• 4:03Speaker 03

  It's expensive. I'm on medical leave.

• 4:08Speaker 03

  I wanted a candle.

• 4:10Caleb Hammer?

  Pay for it.

• 4:11Speaker 03

  I will next time.

• 4:12Caleb Hammer?

  Will you? Because your roommate's stealing shit too.

• 4:15Speaker 03

  I don't know, whatever.

• 4:16Speaker 05

  Whatever, whatever, I do what I want.

• 4:18Speaker 03

  Like, I'll find someone-

• 4:19Caleb Hammer?

  Whatever?

• 4:20Speaker 03

  To buy it for me.

• 4:23Caleb Hammer?

  Someone to buy it for you. Why don't you just buy it?

• 4:27Speaker 03

  Because, like, sometimes you can't.

• 4:29Caleb Hammer?

  Well, then you don't need a candle. A candle's not necessary to survive. Okay, you said you're on leave, but what do you do for a living?

• 4:35Speaker 03

  I'm a chef. Why, why are you looking at me like that?

• 4:39Caleb Hammer?

  Cause you're just like, because of that, like, I don't know if I would trust you over an open flame. I don't know if I would wanna be next to you.

• 4:48Speaker 03

  I'm really good at my job. I swear. I've worked with like, I've worked with one, two, and three Michelin starred chefs.

• 4:55Caleb Hammer?

  Well, you being a chef usually means raw. So I guess we don't have to worry about an open flame at the local.

• 5:04Speaker 03

  What do you mean it means raw? Like a raw bar?

• 5:08Speaker 03

  Is that what you're asking me? Or like?

• 5:11Caleb Hammer?

  Tuna?

• 5:12Speaker 03

  No.

• 5:13Caleb Hammer?

  Salmon?

• 5:13Speaker 03

  I don't, I hate fish. But no, that's not, I, I'm an actual chef. Like you have heard of the restaurant I work at.

• 5:20Caleb Hammer?

  Yes, Texas Roadhouse. I've heard of it.

• 5:22Speaker 03

  Yeah, that's where I work. No, I work at Cracker Barrel.

• 5:25Caleb Hammer?

  Do you actually?

• 5:26Speaker 03

  No.

• 5:27Caleb Hammer?

  I don't know where you work. Okay. I guess it is a bougie restaurant. I've been told. Are you a head chef? Are you just there like?

• 5:34Speaker 03

  I'm a, I'm a chef de partie, which is like, it's, well, I mean, all the line cooks there are called chef de parties, but.

• 5:43Caleb Hammer?

  Okay, great. Well, what are you making this job in LA? This will really determine whether or not you're valued.

• 5:48Speaker 03

  Thirty, thirty-eight to four hundred thousand a month. Thirty-eight thousand to four thousand. No, wait, no, I'm sorry. Thirty-eight hundred to four thousand a month.

• 5:58Caleb Hammer?

  So do I call it thirty-nine hundred?

• 5:59Speaker 03

  Yeah, sure.

• 6:00Caleb Hammer?

  To average it?

• 6:01Speaker 03

  Yeah.

• 6:01Caleb Hammer?

  You're on leave. Why?

• 6:03Speaker 03

  I passed out at work.

• 6:05Caleb Hammer?

  Well, so that immediately goes to leave? Did you not go get tested for like, blood sugar or something?

• 6:11Speaker 03

  So, okay, I actually, I've passed out two times. Once was like three months ago.

• 6:14Caleb Hammer?

  Okay, well that.

• 6:15Speaker 03

  And then once was recent, like, a week ago. Or actually, no, at this point, it's been like two or three weeks. But basically.

• 6:24Caleb Hammer?

  Is that why you have that medical device strapped on top of your nose? Like, keep it open?

• 6:28Speaker 03

  This is, this is my.

• 6:30Caleb Hammer?

  That's what Alex Tramose wears, if I'm not mistaken, so that he breathes.

• 6:33Speaker 03

  Literally what every single one of my chefs said. They were like, oh, you have a breathing aid because you passed out.

• 6:39Caleb Hammer?

  Yes.

• 6:40Speaker 03

  No, it's cute, okay? You can't, it's cute. Okay, whatever.

• 6:46Speaker 03

  But anyways, so.

• 6:47Caleb Hammer?

  Maybe we like it a little different here in Austin, Texas.

• 6:51Speaker 03

  Yeah, I don't think my look is very Austin, Texas.

• 6:54Caleb Hammer?

  Well, I don't know. I mean, septum piercing, kind of, but you're kind of, you're just evolving.

• 6:58Speaker 03

  I'm evolving.

• 7:00Caleb Hammer?

  Well, yeah, you got the pink, purple hair and then the breathing kit. Okay, so.

• 7:04Speaker 03

  The silver.

• 7:05Caleb Hammer?

  Why'd you pass out? Do we know?

• 7:06Speaker 03

  Pass out? Um, no. So basically, I passed out. They take me to the ER. The ER runs like electrolyte tests, anemia tests, and like one other blood test. They basically were like, we need a paper that says you're able to come back to work. The workers' comp doctor was like, well, I can't medically clear you because I don't know what's wrong with you, but I have no evidence that your work is making your condition worse. So then he gave me a slip that said you can go back to work full, no restrictions, but this is not medical clearance. And so then my employer.

• 7:41Speaker 06

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• 8:06Speaker 03

  Lawyer was like, well, we can't accept this. So you need to go to your primary care doctor and ask them to either give you a no work or work with no restrictions or work with restrictions and what those restrictions are. So then if I get, if I get a document that says I can't work, then I'm gonna, I'll be able to go on disability.

• 8:24Caleb Hammer?

  Okay, well, disability is not great. Is that what you want?

• 8:27Speaker 03

  No, it's not what I want.

• 8:28Caleb Hammer?

  Because even $4,000 in LA, how you doing?

• 8:31Speaker 03

  Just to be clear, this is not my only form of income. I also sugar baby on the side. And I make more money off that.

• 8:40Caleb Hammer?

  Okay, what are we talking about today? What, what, what are we talking about today? What's going on?

• 8:44Speaker 03

  Um, well, my sugar daddy just broke up with me.

• 8:47Caleb Hammer?

  Okay, well, there goes the side income.

• 8:49Speaker 03

  But I can find another one. Like, it's not that hard.

• 8:52Caleb Hammer?

  Maybe, okay, pause. Yeah, is that what you're trying to do right now? Cause there is full titty right here. Like, we're seeing tits. Zoom in on the tits, but also.

• 9:04Speaker 05

  Why is it still blurry? That's all the resolution we have. Making it bigger doesn't make it clearer.

• 9:10Caleb Hammer?

  Well, also then zoom down. You got full belly hang. I don't know if that leads to sugar daddy. I mean, dude, that, well, it's hanging. I'm just, I'm being objective here. I'm being objective. I'm being objective, like, okay, great. Yeah, tits, everyone likes tits. Your literal nipples are right there. Okay, good, they're fine. But then the belly, I don't know if that's gonna be recruiting people. Because here's the thing, here's the thing. I, this, I'm not typically judging someone just based on that. Like, I don't care, who cares? And you're not asking for that judgment. But if your entire existence of survival is recruiting men to pay you for your looks, then we gotta be kind of objective about it. And then.

• 9:51Speaker 03

  Any girl that has a fat ass has a little tum.

• 9:54Caleb Hammer?

  Well, I don't know if you do.

• 9:55Speaker 03

  I do. So, there we go. That's why I have a little tum. And it's cute. Tum is cute.

• 10:02Caleb Hammer?

  Are you looking to Brandon for affirmation?

• 10:05Speaker 03

  Brandon, do you agree?

• 10:08Speaker 03

  Brandon.

• 10:08Caleb Hammer?

  He does not. But you do have scratch marks here. Is that from what they pay for?

• 10:13Speaker 03

  Scratch mark?

• 10:14Caleb Hammer?

  Above your boob, right where your hand is.

• 10:16Speaker 03

  Oh, no, I, I scratched myself.

• 10:18Caleb Hammer?

  Okay, listen, I mean, I'm just, again, I'm fat. So I got a fat ass. That doesn't mean, like, listen, it's usually the fat ass with, like, the person in shape is typically. Okay.

• 10:29Speaker 03

  Yeah, I don't go to the gym.

• 10:30Caleb Hammer?

  And that's okay. That, that doesn't matter. Normally, I wouldn't, like, comment on that specifically. But if your entire income source is men paying for you to kind of be the hot one.

• 10:43Speaker 03

  Well, first of all, it's not my entire income source.

• 10:46Caleb Hammer?

  Okay, what came in from Sugar Daddy that just broke up?

• 10:49Speaker 03

  Last month, I think like five grand.

• 10:51Caleb Hammer?

  Good. Well, that is your primary income.

• 10:55Speaker 03

  Yeah, it's my primary income, but it's not all my-

• 10:56Caleb Hammer?

  How old is this man?

• 10:58Speaker 03

  He's 45.

• 10:59Caleb Hammer?

  And was.

• 11:00Speaker 03

  He is-

• 11:01Caleb Hammer?

  Cause he broke up.

• 11:02Speaker 03

  Yeah, but he's still alive. He's not dead.

• 11:04Caleb Hammer?

  True. Okay, so he broke up. Why?

• 11:12Speaker 03

  Uh, it was a lot of things, but basically like the tipping point was because I was out with one of my other sugar baby friends.

• 11:20Caleb Hammer?

  Oh, sugar baby friends?

• 11:21Speaker 03

  Yeah.

• 11:22Caleb Hammer?

  Is she more attractive?

• 11:23Speaker 03

  Uh, no, I think-

• 11:24Caleb Hammer?

  Can I see?

• 11:24Speaker 03

  Yeah, sure. You might think she's more attractive, but she's like more LA, like Barbie doll.

• 11:29Caleb Hammer?

  Isn't that what they're paying for?

• 11:31Speaker 03

  Well, guys have different types-

• 11:33Caleb Hammer?

  I'm just trying to be objective here. I know this is probably coming across as rude, maybe a little sexist, I don't give a-

• 11:37Speaker 03

  You can't sit here and say that I'm not pretty.

• 11:42Caleb Hammer?

  Um, you're a- Six out of 10.

• 11:46Speaker 03

  A six out of 10?

• 11:47Caleb Hammer?

  Okay, I'm being objective here.

• 11:51Speaker 03

  Oh, cause she's pretty too. She's really pretty. She's- Yeah.

• 11:57Caleb Hammer?

  Okay, so this is what you think when you think sugar baby. This is, uh-

• 12:03Speaker 03

  There's different types of guys out there.

• 12:05Caleb Hammer?

  He has, uh, um-

• 12:07Speaker 03

  Okay, so do you, do you wanna hear the tea? Wanna hear the tea about this?

• 12:10Caleb Hammer?

  To a certain point, I wanted to mesh with kind of what's going on, cause you literally just lost double your income. You were making practically six figures net a month, a year, a year, sorry. Um, why did he break up? Cause he saw you go out with the hot one?

• 12:21Speaker 03

  This is my roommate.

• 12:23Caleb Hammer?

  Well, what do I-

• 12:24Speaker 03

  Because she's also a sugar baby.

• 12:25Caleb Hammer?

  Your roommate's stunning.

• 12:27Speaker 03

  Okay, why-

• 12:27Caleb Hammer?

  Where is she?

• 12:28Speaker 03

  How am I getting so like shit on right now?

• 12:30Caleb Hammer?

  You're not ugly. Just not, it's not what we usually think when we think sugar baby. I'm probably coming across, I'm not trying to be rude. I'm trying to be objective. If you're recruiting Sugar Daddy and you're making 5,000, but he just broke up with you, why?

• 12:41Speaker 03

  Because, so I went out with my other sugar baby friend.

• 12:44Caleb Hammer?

  You had the hot one?

• 12:45Speaker 03

  And she, yes, the hot one. And she was, she took, she was like, let's go to this hotel because I really wanted to go swimming. So then she was like, it'll be free. And I was like, okay, we go. And then it's not free. And she's like, how much is a room? The girl's like $500 a night. And I'm like, okay, let's, let's just go. Like, we don't need to be here. And then.

• 13:03Caleb Hammer?

  There's not other places to swim in LA? What the is happening?

• 13:06Speaker 03

  Well, I'm gonna get there because this part pissed me off. Then we get in the car. Also, by the way, I'm like low key on shrooms at this point. So my like ability to make decisions was inhibited. And so she's like, well, just call.

• 13:24Speaker 03

  And he'll give you money for it. And I was like, I.

• 13:26Caleb Hammer?

  This is the sugar daddy.

• 13:27Speaker 03

  Yeah.

• 13:27Caleb Hammer?

  Okay, I believe his name, but yeah.

• 13:29Speaker 03

  I don't want to do that. Like, I was just thinking like in my head.

• 13:32Caleb Hammer?

  You get 5,000 from him a month, but okay.

• 13:34Speaker 03

  That's why I was like, I don't want to do this.

• 13:36Caleb Hammer?

  Which by the way, means you're making six figures. So why couldn't you just afford to get the hotel?

• 13:39Speaker 03

  Well, because I was using that money for my debt and for my pets.

• 13:42Caleb Hammer?

  Yeah, maybe. I doubt it, but go on. Maybe pets, debt, doubts, you wouldn't be here.

• 13:47Speaker 03

  Yeah.

• 13:47Caleb Hammer?

  But.

• 13:48Speaker 03

  Okay.

• 13:48Caleb Hammer?

  Okay.

• 13:49Speaker 03

  So then, um, basically, I, like, I was like, in my head, I'm like, I should not do this. Like, this is bad. But in my like shroom mind, I was like, okay, like, I'll just call him. I call him. By the way, he doesn't like when I do shrooms. So then it was just like a double whammy. I'm like, hey, and he's like, you, so you're on shrooms? And you want me to pay for this hotel room? He's like, I'm not doing that. And then.

• 14:13Caleb Hammer?

  Fair.

• 14:13Speaker 03

  It was like, he was like, I just feel like we're not a good match for each other. And then he broke up with me the next day.

• 14:19Caleb Hammer?

  Drugged out crazy person.

• 14:20Speaker 03

  I'm not a drugged out crazy person.

• 14:22Caleb Hammer?

  Steel shit. Yes.

• 14:25Speaker 03

  Yeah, well.

• 14:26Caleb Hammer?

  Okay, so what was he getting for 5,000 hours a month? In detail.

• 14:30Speaker 03

  My boyfriend.

• 14:31Caleb Hammer?

  Mm hmm.

• 14:32Speaker 03

  He would, we like never really.

• 14:34Caleb Hammer?

  How did this work? Because if you're recruiting another one.

• 14:36Speaker 03

  We're really not like a sugar daddy, sugar baby relationship.

• 14:40Caleb Hammer?

  Where'd you guys meet?

• 14:41Speaker 03

  On Hinge.

• 14:42Caleb Hammer?

  Okay.

• 14:43Speaker 03

  So I find a lot of sugar daddies on Hinge because it's easier than like seeking arrangements.

• 14:49Caleb Hammer?

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

• 14:50Speaker 03

  Okay. Well, I'm telling you.

• 14:52Caleb Hammer?

  Okay.

• 14:54Speaker 03

  Hinge is easier, but obviously like a lot of the guys.

• 14:57Caleb Hammer?

  So you found a 45 year old.

• 14:58Speaker 03

  Yeah.

• 14:59Caleb Hammer?

  Yeah. But how did it get to 5,000 hours a month? How does this happen?

• 15:01Speaker 03

  So I was basically like, do you want to spoil me? Like, that's my hook. And then he's like, yeah, like, you're really pretty. And then I'm like, okay, like, he's like, he's like, I like to give gifts and stuff like, but he's never been in like, he never had like a sugar baby before. Like, that's not his thing.

• 15:14Caleb Hammer?

  But this is transactional. What was he getting?

• 15:16Speaker 03

  It, that's why I'm, he is not really like a sugar daddy. He was my boyfriend who was giving me money. Like.

• 15:24Caleb Hammer?

  You just said your sugar daddy broke up with you.

• 15:25Speaker 03

  I met him through sugar babying, but we like, he, after we went on our first date, he was like, I don't think that this is for me. Like, I don't want to do that. But I really liked him. So I was like, I'll just come over and like, we can just hang out. So that's what we did. And then we eventually started dating. And basically like my going rate is a thousand dollars per meet and then $4,000 per month.

• 15:46Caleb Hammer?

  A thousand dollars per meet?

• 15:48Speaker 03

  Yeah.

• 15:48Caleb Hammer?

  Okay.

• 15:49Speaker 03

  Or it's like a $4,000.

• 15:50Caleb Hammer?

  A thousand dollars per meet. How are you coordinating this? So you just find people and you tell them a thousand for a meet?

• 15:56Speaker 03

  Yeah.

• 15:57Caleb Hammer?

  Okay. So Brandon over there, he meets you. A thousand dollars.

• 16:02Speaker 03

  Hi, Brandon.

• 16:03Caleb Hammer?

  A thousand dollars.

• 16:05Speaker 03

  Yeah.

• 16:06Caleb Hammer?

  You make money, so I guess you can. I don't think it's in the budget for this show, so we'll let him test it. Okay.

• 16:14Caleb Hammer?

  A thousand for a meet?

• 16:15Speaker 03

  Yes.

• 16:16Caleb Hammer?

  Tell me how the meet goes.

• 16:17Speaker 03

  Um, it's usually like a dinner date. They pay for my dinner and stuff and then, and then we go back to their place and do whatever they want.

• 16:24Caleb Hammer?

  French fries and some snatch for the one five don't sound too bad. Whatever they want.

• 16:30Speaker 03

  Whatever they want.

• 16:31Caleb Hammer?

  Whatever they want?

• 16:32Speaker 03

  Whatever they want.

• 16:35Speaker 03

  I like, I charge extra for some things. Like this guy wanted me to piss on his hand.

• 16:41Caleb Hammer?

  What did you charge for pee hand?

• 16:43Speaker 03

  $500 on top.

• 16:48Caleb Hammer?

  Um, so to be clear, they can offer $1,000 and you know, they gotta go through dinner, whatever, and they get the

• 16:56Speaker 03

  Yeah.

• 16:57Caleb Hammer?

  And you're finding them where?

• 16:58Speaker 03

  Unhinged.

• 16:58Caleb Hammer?

  And you're just saying a thousand dollars to

• 17:01Speaker 03

  No, it's not what I start with, but I'm like, do you want to spoil me? And then the sugar daddies are like, yeah. And then they, and then I tell them and they're like, okay.

• 17:09Speaker 03

  Sugar daddy?

• 17:10Caleb Hammer?

  How often is this happening?

• 17:12Speaker 03

  Like sugar dadding is a kink.

• 17:13Caleb Hammer?

  Sure, but also I'm sure some guys just kind of want to

• 17:16Speaker 03

  Yeah, yeah, for sure.

• 17:17Caleb Hammer?

  And $4,000 a month?

• 17:19Speaker 03

  That's like an allowance. If you want to see me like whenever you want.

• 17:22Caleb Hammer?

  And they can Whenever.

• 17:24Speaker 03

  Yeah. And then, but they, they need to like provide for me when I'm with them. Like they're not like, I'm not going there and spending my own money.

• 17:31Caleb Hammer?

  They put in the service.

• 17:33Speaker 03

  Yeah.

• 17:33Caleb Hammer?

  But then they get the

• 17:34Speaker 03

  Yeah.

• 17:35Caleb Hammer?

  How many on retainer do you have?

• 17:37Speaker 03

  Well, right now I am, I'm diva down, diva down for real. Like no sugar daddies because I just broke up with my boyfriend.

• 17:44Caleb Hammer?

  Okay. What's your opening for the new, new sugars?

• 17:47Speaker 03

  Yeah. So I

• 17:48Caleb Hammer?

  Okay, okay. Well, for the boyfriend, the, the 1,000 per nut, like how often was this happening?

• 17:54Speaker 03

  Well, be, since I was just using it as like, the reason I started doing it.

• 17:58Caleb Hammer?

  How often was it happening?

• 18:01Speaker 03

  Probably like two times a month, two, three times a month.

• 18:04Caleb Hammer?

  And okay, two, three, then how many did you have on retainer?

• 18:08Speaker 03

  Um, I, I haven't had any before. Like I, I would just like, I would have like one or two at a time that would just like

• 18:16Caleb Hammer?

  What is the communication for how the sex goes?

• 18:18Speaker 03

  What do you mean? Like they just out, they just tell you what they like. And you're like, okay, I'm fine with doing that. I'm not fine with doing this.

• 18:24Caleb Hammer?

  Okay. So it's not whatever they want.

• 18:26Speaker 03

  But I'm pretty like sexually free. Like I will do whatever. I really give a

• 18:33Speaker 03

  I used to be really into BDSM with my first boyfriend.

• 18:36Caleb Hammer?

  Well, that's fine.

• 18:37Speaker 03

  Well, maybe this is post.

• 18:39Caleb Hammer?

  Well, I'm just trying to figure out what the you're doing.

• 18:41Speaker 03

  Okay.

• 18:42Caleb Hammer?

  Okay. Well, I do have to ask a couple of safety questions just for the sake of

• 18:44Speaker 03

  Yeah.

• 18:44Caleb Hammer?

  Caring. Do they go raw?

• 18:47Speaker 03

  No.

• 18:47Caleb Hammer?

  Never?

• 18:48Speaker 03

  Um, if they want to, then an STD test is required.

• 18:53Caleb Hammer?

  Are you getting tested?

• 18:54Speaker 03

  I'm getting tested all the time.

• 18:55Caleb Hammer?

  Quite frequently?

• 18:55Speaker 03

  Yes.

• 18:56Caleb Hammer?

  Very good. Have you ever gotten something?

• 18:57Speaker 03

  No.

• 18:58Caleb Hammer?

  You haven't tried hard enough. Okay.

• 19:00Speaker 03

  Okay. Well, okay. Can I say this? Is this bad? I, the reason that I let them fuck me raw is because I have a cum king.

• 19:08Caleb Hammer?

  Because this is actually a serious thing. You're, you're, you're paying for, okay, good, good. You're paying for, what do your restaurateurs think of this?

• 19:17Speaker 03

  Half the restaurant industry does the same thing.

• 19:20Caleb Hammer?

  They're literally all just blasting nut up the ass for money.

• 19:24Speaker 03

  Like, well, at least like three of my server friends have all been, there's what, like six girls that work there and at least three of them I know have done sugar babying before.

• 19:34Caleb Hammer?

  Sure, it's a little different.

• 19:35Speaker 03

  No, no, no, it's not.

• 19:37Caleb Hammer?

  Okay, but you're doing a thousand, no, no, no, no, no. Okay, yes, I get it, those last relationship, yes. I think that was more sugar baby-ish. But to be clear, normally.

• 19:48Speaker 03

  This is how sugar babying works in LA, though.

• 19:50Caleb Hammer?

  You do a thousand dollars to, okay.

• 19:54Speaker 03

  Okay, wait, do you want to know how I got into sugar babying?

• 19:57Caleb Hammer?

  Not really, but if it's short, okay.

• 19:59Speaker 03

  My neighbor was a full-time sugar baby, so she charged a thousand two hundred for me.

• 20:04Caleb Hammer?

  Guys, if you're desperate, LA.

• 20:05Speaker 03

  Yeah, no, LA, or I've heard.

• 20:07Caleb Hammer?

  You can find women to pay for sex.

• 20:09Speaker 03

  I've also heard that New York has really good sugar daddies if you're a sugar baby looking.

• 20:14Caleb Hammer?

  Okay, well, how are we gonna do this? Because I can see you surviving on LA with the 10,000 net you're making, 9,000 net you're making. How do we do that on 3,900?

• 20:24Speaker 03

  I mean.

• 20:24Caleb Hammer?

  Okay, well, how did you get 5,000 last month from him then? What was like?

• 20:27Speaker 03

  Well, he gave me $4,000 because I had a surgery for my cat. My cat had a bladder stone, so.

• 20:34Caleb Hammer?

  So, okay, well, so that covered something specific.

• 20:36Speaker 03

  Yeah, and also.

• 20:37Caleb Hammer?

  It wasn't like 4,000 or just below.

• 20:38Speaker 03

  I put like a thousand of that towards debt. And then I kind of.

• 20:41Caleb Hammer?

  So the surgery was three, you asked for four?

• 20:42Speaker 03

  No, no, no, no, no. The surgery was two and he gave me four. He just sent me four. He just said, I'll just give you four. And I was like, okay.

• 20:53Caleb Hammer?

  Okay, um, okay.

• 20:56Speaker 03

  Well, that was like a good month. The reason why you think that like, you're like, oh, you know, you're not sugar babying is because you've had all of these like fake ass sugar babies on here that are like.

• 21:07Caleb Hammer?

  What does that even mean?

• 21:08Speaker 03

  Oh, okay, you have so many videos where it's like, oh, sugar baby like does this or whatever. And then you watch the video and it's a girl that got paid like 200 bucks by one guy. Like, that's not being.

• 21:19Caleb Hammer?

  Well, that's maybe not, that's probably Missouri sugar baby.

• 21:22Speaker 03

  Yeah, well, this is, this, there is systems, so my coworker, the hot one, she, um, is, she pay, she.

• 21:32Speaker 06

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• 21:57Speaker 03

  Her rate is $1,000 and then her day rate, if they take her on a trip, is $2,500. So she went to San Diego.

• 22:05Caleb Hammer?

  So she f***ed for $1,000?

• 22:06Speaker 03

  Yeah.

• 22:08Speaker 03

  Would you pay for her?

• 22:08Caleb Hammer?

  No, I don't pay for sex.

• 22:10Speaker 03

  Maybe you should start.

• 22:12Caleb Hammer?

  Why?

• 22:12Speaker 03

  Because you know, you complained about not having a girlfriend for a long time.

• 22:15Caleb Hammer?

  But I have a girlfriend.

• 22:17Speaker 03

  Now.

• 22:17Caleb Hammer?

  For quite a long time now. Okay. Oh, and gearing up for a year pretty soon, but uh.

• 22:25Speaker 03

  Oh, how sweet.

• 22:27Caleb Hammer?

  Uh huh. And I don't have to pay for it. Oh, you were just gonna bring me down rabbit holes like crazy.

• 22:32Speaker 03

  Oh my god.

• 22:33Caleb Hammer?

  I am actively trying to keep this one on rails, ladies and gentlemen. I really am.

• 22:36Speaker 03

  Well.

• 22:37Caleb Hammer?

  So you're actively recruiting?

• 22:38Speaker 03

  Yes.

• 22:39Caleb Hammer?

  Okay, well, your socials are, you have a fake name. You picked a stripper name. I don't know why. Well, actually, now I do. And two, um, uh, two, your socials and things are not linked below, so I don't, it doesn't even matter.

• 22:51Speaker 03

  I don't want to recruit on here.

• 22:54Caleb Hammer?

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

• 23:37Caleb Hammer?

  who actually cares about your progress. They've got a 4.6 star rating on Google. Which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Yrefi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y R E F Y dot com slash hammer or call triple eight nine seven three three nine seven eight. That is triple eight nine seven three three nine seven eight. Break free from the high interest trap and get your finances under control once and for all. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money.

• 24:22Caleb Hammer?

  You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Sign up for Chime, get that $350 right now in your checking account. What are we talking about? What is going on? So you have a shit ton of debt, obviously, and you just lost two sources of income. How do you survive now?

• 24:52Speaker 03

  Right now, it's rough. It's rough. I borrow.

• 24:54Caleb Hammer?

  How can you survive? What is happening?

• 24:56Speaker 03

  Um, well, I didn't, haven't paid rent this month. I'm gonna pay rent with the, my sick leave money. But, okay, I also.

• 25:04Caleb Hammer?

  You're ending. It's, it's ending. Then what?

• 25:08Speaker 03

  Then I'll be on disability or I'll go back to work.

• 25:10Caleb Hammer?

  What will disability be?

• 25:12Speaker 03

  Like 900 bucks every week, I think it's a.

• 25:14Caleb Hammer?

  Well, you can't survive in LA, you cannot survive on that.

• 25:18Speaker 03

  My rent is 1500, no, 1600, 1600.

• 25:21Caleb Hammer?

  Cause you have a hot roommate, right? But even still, that's, that's half. Half is going to that and you haven't paid rent this month.

• 25:27Speaker 03

  My rent used to be 2,400. That's why I'm all this bad.

• 25:31Caleb Hammer?

  Disability only covers half your rent and then you have debt minimum payments.

• 25:35Speaker 03

  My ex-boyfriend is also still sending me 1,500 until January.

• 25:39Caleb Hammer?

  Why?

• 25:40Speaker 03

  Cause he loves me.

• 25:41Caleb Hammer?

  Show me a picture of this man. Show me a picture of this man. I need to see how desperate this guy. Okay, tell me.

• 25:47Speaker 03

  He's not desperate.

• 25:48Caleb Hammer?

  Tell me, do you fuck him?

• 25:49Speaker 03

  Yes, I fuck him because I love him. I wanna fuck him.

• 25:53Caleb Hammer?

  Why is he ex then?

• 25:54Speaker 03

  Because he broke up with me, remember? We went over this.

• 25:56Caleb Hammer?

  Oh, that ex?

• 25:57Speaker 03

  Yeah.

• 25:58Caleb Hammer?

  Oh, the 45 year old?

• 26:00Speaker 03

  Yeah.

• 26:01Caleb Hammer?

  Is he rich? He must be.

• 26:02Speaker 03

  Yeah, he.

• 26:03Caleb Hammer?

  What does he do?

• 26:04Speaker 03

  Beep this out. He is, um, he's the co-creator of.

• 26:09Caleb Hammer?

  Oh my goodness. Okay, we beeped it. A very popular show.

• 26:15Speaker 03

  No, no, don't.

• 26:16Caleb Hammer?

  A very popular animated show. He is a co-creator of an animated show.

• 26:20Speaker 03

  He's like a, he's a.

• 26:23Caleb Hammer?

  And he still sends you money?

• 26:25Speaker 03

  Yeah.

• 26:25Caleb Hammer?

  Oh, you want to marry him?

• 26:26Speaker 03

  I want to marry.

• 26:27Caleb Hammer?

  You want the money?

• 26:29Speaker 03

  I don't want the money. I want to marry him.

• 26:31Caleb Hammer?

  The co-creator of this very popular animated show. Okay, I don't recognize him, but he is elderly.

• 26:38Speaker 03

  He's not elderly. What the?

• 26:42Speaker 03

  He's not elderly. He's a very handsome man. He's bald and he has a beautiful mustache.

• 26:46Caleb Hammer?

  Okay.

• 26:47Speaker 03

  I love him.

• 26:47Caleb Hammer?

  You know, there's usually drama in text messages and stuff and we'll do it then in the post-show. Yeah, there he is.

• 26:52Speaker 03

  There is drama.

• 26:53Caleb Hammer?

  See?

• 26:53Speaker 03

  Are you looking through my camera roll? I wouldn't do that.

• 26:56Caleb Hammer?

  Oh, no. I swiped out, I swiped to see if there's more pictures of him, but there wasn't anything.

• 27:00Speaker 03

  Yeah, I just, I would not. I would avoid it.

• 27:03Caleb Hammer?

  I'm not, okay.

• 27:04Speaker 03

  Okay.

• 27:04Caleb Hammer?

  And you want to have his babies? Okay.

• 27:06Speaker 03

  Okay, I want to have his babies. I don't want, I don't want to marry him for his money. I want his babies because I love him.

• 27:14Caleb Hammer?

  How long are you guys together?

• 27:16Speaker 03

  Like three months.

• 27:16Caleb Hammer?

  What does he think of you coming on this show?

• 27:18Speaker 03

  He watches Financial Audit. I introduced him to Financial Audit.

• 27:21Caleb Hammer?

  The co-creator of this very popular show that I like is a fan of Financial Audit?

• 27:26Speaker 03

  Wait, I should have brought you some stuff?

• 27:28Caleb Hammer?

  Well, uh, let me in his DMs, because that is very cool.

• 27:31Speaker 03

  I will.

• 27:32Caleb Hammer?

  That's a cool connection.

• 27:32Speaker 03

  I will, I will.

• 27:34Caleb Hammer?

  And I'm sorry for making fun of your girlfriend's tits or belly or something. No, no, no.

• 27:39Speaker 03

  Yeah, that was mean.

• 27:40Caleb Hammer?

  Kind of, not really. Okay, wha- then you just re-downloaded Hinge now?

• 27:45Speaker 03

  Yeah.

• 27:46Caleb Hammer?

  To get back on?

• 27:47Speaker 03

  Yeah.

• 27:47Caleb Hammer?

  All right, let's see it. Let's see it.

• 27:49Speaker 03

  Wait, are we doing that on the post-show?

• 27:50Caleb Hammer?

  Nope. No, not now. Let's see it. I want to see this shit.

• 27:53Speaker 03

  Oh, God.

• 27:53Caleb Hammer?

  Ladies and gentlemen, here it is. Bleep out her name. Screen recording. Oh, yeah, you got like the old dudes on here. Do you go old?

• 28:02Speaker 03

  I go, it's, it's set to infinity.

• 28:04Caleb Hammer?

  And of course, 45 and 20 is quite an age gap, uh, but I don't think any real human actually gives a fuck where consensual adults are. We're not infantilizing people like on Reddit and Twitter and TikTok, but you are in L.A. the.

• 28:17Caleb Hammer?

  Scary place of the world where they cancel you for anything. So I'm surprised this guy's not getting canceled already. I mean. For being a predator and a pet, being a 20 year old child. I feel like that would be ridiculous. You'd think so. I know, but like, but also like, I don't know. Okay, so we got on here, there's her picture. One where I look like a grandma. 20 year old woman, bisexual, 5'5", doesn't have children, doesn't want children, but do you want his babies? I just don't want people like on, I don't want like random old dudes being like, you want my kids? Like, no, I don't want your kids. Liberal Buddhist chef, South Asian. I think we got that. Okay.

• 29:02Caleb Hammer?

  There's the, the belly when it's flat. I'm sitting.

• 29:07Caleb Hammer?

  I'm just with you. My first time I knew I was gay was Megan Fox from Transformers. Yeah, we all came. Oh, my God. So you know, my school counselor is her sister. That side is a piece of food. Why didn't you cook for us? Oh. Asshole. Okay. I'm sorry. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best. Like a one. Okay. If you want your Hammer financial score, take the assessment for free at CalebHammer.com. Just takes a few minutes. See where you stand in the world of finances, where you're doing shit, what you need to do to improve it, and where you're already doing well. So take that at CalebHammer.com. And if you don't want to be like a guest who ends up on this show, one, make sure you take STD tests. Three, download the Dollar Wise Budgeting app. It is the budgeting app that fuels this show, all the guests that have been on the show and tens of thousands of subscribers out there.

• 29:51Caleb Hammer?

  New features being added every single month. It's incredible. DollarWise.app. Take the free trial to see if you like it. And then sign up for the annual version if you do, because it saves you a lot of money. And when you only do for the next couple of months only, then it's going away forever. I will personally sign my budget friendly cookbook and mail it directly to you. All those links are in the description below. Okay, let's jump into this, shall we? Because what the was this even intro? Like, I don't even know. And on disability, you're not gonna survive. What, you're just gonna be on disability forever?

• 30:17Speaker 03

  No, they, so I need to get medical clearance, but I can't do that till I get to a cardiologist and that's-

• 30:22Caleb Hammer?

  So get to a cardiologist.

• 30:24Speaker 03

  I'm on a waitlist. It takes like three months.

• 30:26Caleb Hammer?

  In, uh, in the, in the hospital system that you're doing? Are you able to look outside of this hospital system but still in network?

• 30:32Speaker 03

  No, because, because my insurance is, um, it's like Medi-Cal.

• 30:36Caleb Hammer?

  Well, and that's why it takes so long.

• 30:37Speaker 03

  Yeah, but so I'm trying to, um-

• 30:40Caleb Hammer?

  Basically, Canada.

• 30:41Speaker 03

  I'm trying to get on my work insurance and go through Kaiser. I hope that that will help. Because they, they said that I can cancel my insurance, but I'm like, it's a very complicated, complicated thing.

• 30:54Caleb Hammer?

  Okay, well, we got Bank of America. So you have to be on disability for three months just to see a cardiologist? So you can get, this is such a thing.

• 31:01Speaker 03

  I know.

• 31:01Caleb Hammer?

  So to be clear, we give you government health insurance, which is ineffective and takes you three months to see a specialist.

• 31:06Speaker 03

  I also pay for the health insurance.

• 31:08Caleb Hammer?

  One second, so we subsidize you through there. Even if you pay a little bit of money, we subsidize you through there, which takes you forever to go see someone. Okay, that part isn't inherently bad. But because that system is so flawed that we pay for, we then have to give you disability that entire time.

• 31:23Speaker 03

  Yeah.

• 31:24Caleb Hammer?

  Because that system is so- It's a circle of-

• 31:28Speaker 03

  I don't want to be on disability.

• 31:30Caleb Hammer?

  No, I, I agree. I'm not even complaining about you doing it. You don't have a choice right now because you're not getting clearance.

• 31:34Speaker 03

  Yeah.

• 31:35Caleb Hammer?

  You wanna work. You wanna suck dick for money. I get it.

• 31:37Speaker 03

  I mean, I can still do that at least, so.

• 31:40Caleb Hammer?

  I know what you're-

• 31:41Speaker 03

  That's why-

• 31:42Caleb Hammer?

  What you're ramping back up.

• 31:44Speaker 03

  Yeah, which is why, like, I'm-

• 31:45Caleb Hammer?

  Honestly, a thousand dollars to, though, that seems a little overpriced. I just-

• 31:50Speaker 03

  Crazy.

• 31:51Caleb Hammer?

  Is it?

• 31:51Speaker 03

  It's crazy because, like, these guys-

• 31:53Caleb Hammer?

  I, you know, I don't pay to- But if I did, I feel like I'd cap it at 250.

• 31:58Speaker 03

  But- Two fifty.

• 32:00Caleb Hammer?

  It's sex. Sex is easy.

• 32:02Speaker 03

  Okay, okay, wait.

• 32:02Caleb Hammer?

  Listen, I know there's a bunch of incels out there that suck, but even, even, okay, even before I was known, right? I've never struggled. Who struggles to? All you have to do is get out there.

• 32:12Speaker 03

  I don't know why, but some people do.

• 32:14Caleb Hammer?

  No.

• 32:14Speaker 03

  No, my, my best, one of my guy best friends, he's.

• 32:17Caleb Hammer?

  He's a pussy then.

• 32:18Speaker 03

  He's also my coworker.

• 32:19Caleb Hammer?

  He's a pussy.

• 32:20Speaker 03

  Also because he is an incel. Like he like.

• 32:22Caleb Hammer?

  Well, there we go. That's his issue.

• 32:23Speaker 03

  It's because he like gives off the vibes of like, I need to someone because no one's.

• 32:29Caleb Hammer?

  Well, exactly. And that's the thing. You have to have a little bit of confidence. You need to play the apps and you need to actually go out there, get a couple of drinks in you, even if needed, and just cold approach people.

• 32:38Speaker 03

  Well, I don't have a problem. Like that's, I don't have a problem, but.

• 32:42Caleb Hammer?

  I'm not talking about you, dick. I'm talking about.

• 32:46Speaker 03

  Okay, anyways, what I was going.

• 32:47Caleb Hammer?

  Do you want to be on camera? For a second? Come on over, Mark.

• 32:51Speaker 03

  Come here, Mark. Can I interview him? No? Okay. Sorry.

• 32:56Caleb Hammer?

  Here's my boy Mark. Just come in here. Here's my boy Mark. I am trying to get Mark to some pussy.

• 33:01Speaker 03

  Okay.

• 33:01Caleb Hammer?

  And we love Mark. He is my favorite autismo.

• 33:06Speaker 03

  Can I know this? What's your body count?

• 33:09Caleb Hammer?

  Oh. Uh, one.

• 33:11Speaker 03

  Okay.

• 33:11Caleb Hammer?

  And we're trying to get Mark to because Mark's a hero. But the thing is, Mark just needs a little confidence. Mark just needs to play the game right. And Mark just needs to go out there.

• 33:20Speaker 03

  And Mark needs to get a haircut.

• 33:21Caleb Hammer?

  Brandon and I are gonna take him to Sixth Street, aren't we, Brandon? And we are gonna get Mark to, or you can pay your thousand dollars, but I know you don't make enough for that because he's a contractor.

• 33:28Speaker 03

  Mark, I think that you are a very handsome man. I don't think that either of you guys need to pay to fuck Mark. I think that you need a haircut because it's kind of getting bullish.

• 33:39Caleb Hammer?

  Mr. Mark.

• 33:40Speaker 03

  And maybe that's the issue.

• 33:41Caleb Hammer?

  But here's the thing, Mark. We're gonna take him on the town. It is not hard to fuck anyone that thinks it's hard to fuck because of pussy.

• 33:45Speaker 03

  Yes.

• 33:46Caleb Hammer?

  It is easy to.

• 33:47Speaker 03

  So you, obviously you haven't paid for sex because you're attractive, like, but these are like.

• 33:53Caleb Hammer?

  No, not to everyone. To most people, I am like a legit four to five out of 10 because I'm fat and I got fat. Like, and that, and that's fine. I'm okay with it. But I've never struggled to find people my type.

• 34:03Speaker 03

  Okay, so these are guys that are like 20 years older than me. Like, obviously, I'm gonna ask them some money.

• 34:09Caleb Hammer?

  That dude, even though he was bald and old, that dude was not a bad looking dude.

• 34:12Speaker 03

  Oh, no, he's hot.

• 34:12Caleb Hammer?

  He could fucking slay some hole.

• 34:14Speaker 03

  He's hot, but he like hasn't dated anyone in LA since he moved there. And I'm like, why? You're hot. And he's like, well, I thought it would just happen. And then he's like, and I was, you're not gonna meet the love of your life at the grocery store.

• 34:24Caleb Hammer?

  See, and that's why people are failing.

• 34:25Speaker 03

  Yeah.

• 34:26Caleb Hammer?

  Cause they think it just happens. You actually have to put in a little bit of work.

• 34:28Speaker 03

  I know.

• 34:29Caleb Hammer?

  I just don't understand why men are paying you to, I really don't get it. It is not hard to.

• 34:32Speaker 03

  Because they're like sixty.

• 34:34Caleb Hammer?

  I love you. Listen, and Mark's not even an incel, cause that dude was flapping that one, you know? He was, he was plowing and we love Mark for it. It is easy to, just get out there. Just get out there. It's not hard. Don't pay for it. Stop paying this woman to.

• 34:50Speaker 03

  Sugar daddies have a sugar daddy kink.

• 34:52Caleb Hammer?

  No, it is not. It is.

• 34:53Speaker 03

  They literally, they're like, I want to spend money on you. I want to treat you like a princess.

• 34:57Caleb Hammer?

  A thousand dollars to.

• 34:58Speaker 03

  Yeah, they want to, like, it's, and I mean, like, for me, it's fun. Like, I, like, imagine.

• 35:05Caleb Hammer?

  Do you think that's a kink? A thousand dollars to?

• 35:07Speaker 03

  It is a kink. No.

• 35:08Caleb Hammer?

  Okay, she says, yeah, she's, she was in LA for a while, so like, I, I get it.

• 35:12Speaker 03

  No, these sugar daddies, like, one of them was like.

• 35:14Caleb Hammer?

  It's a fucking kink.

• 35:16Speaker 03

  Yeah, well, no, no, no. They like, their, their kink is like treating someone like princess treatment. Like, they're like, oh, like, when I go to their house, a lot of them are like, you just lay in bed and don't lift a finger. Like, I'll come bring you everything. Like, I'll come massage your feet. And like, they like, just wanna do, like, the, one of these guys, he was like, I just want to like shower with you and like bathe you. I was like, okay.

• 35:42Caleb Hammer?

  I love a good bath. The internet knows it. I love a good massage. The internet knows that too. I don't pay for it.

• 35:48Speaker 03

  You don't pay for a massage? Oh, well, I guess you're.

• 35:50Caleb Hammer?

  To give.

• 35:51Speaker 03

  Oh, yeah, I know, but that's what these guys like. They like to like, they, like, one of the guys that I hooked up with, he was like super.

• 35:59Caleb Hammer?

  Hooked up as in he paid for?

• 36:00Speaker 03

  Yeah. He, he was like super into like femdoms, so he just wanted me to like crush his dick and stuff. It was like, and he was like, I want you to.

• 36:10Caleb Hammer?

  How do you crush a penis?

• 36:10Speaker 03

  Like, he wants me to like. Like.

• 36:13Caleb Hammer?

  Did it not hurt?

• 36:14Speaker 03

  Yeah, but he likes that.

• 36:16Caleb Hammer?

  No, did it not permanently hurt?

• 36:17Speaker 03

  No. I mean, he's like 65. Like, I don't think he barely feels anything down there.

• 36:22Caleb Hammer?

  Please tell me you're on birth control.

• 36:23Speaker 03

  I am, I am. But also, um, what was I gonna say? I was gonna say that, uh, he also liked me to tell him, like, about the other guys. I was, like, he was like, he's like, tell me.

• 36:37Caleb Hammer?

  Dude, okay, I'm, these rabbit holes, I apologize. This Bank of America, yo, $2,256.48.

• 36:43Speaker 03

  Oh, damn.

• 36:44Caleb Hammer?

  And with a $68 minimum payment.

• 36:45Speaker 03

  Mm-hmm.

• 36:46Caleb Hammer?

  This is another reason Brandon would never, look at you, you tell everyone about all the stories about the people you.

• 36:53Speaker 03

  Yeah.

• 36:53Caleb Hammer?

  You're, you're a cancellation risk.

• 36:55Speaker 03

  I am.

• 36:55Caleb Hammer?

  Do you have an NDA with this current guy?

• 36:57Speaker 03

  No.

• 36:58Caleb Hammer?

  Really?

• 36:58Speaker 03

  Why?

• 36:59Caleb Hammer?

  He has not been in L.A. long enough.

• 37:00Speaker 03

  He's been there for 10 years. He hasn't dated.

• 37:04Caleb Hammer?

  Then, listen, as a fan of the show, and as a fan of the show, you make your. NDA the f*** out of her. What are we doing here, guy?

• 37:11Speaker 03

  Oh.

• 37:12Caleb Hammer?

  She is a flight risk.

• 37:13Speaker 03

  I'm not. I have signed NDAs before.

• 37:17Caleb Hammer?

  You are a flight risk.

• 37:18Speaker 03

  Which I told Lindsay I can't talk about, so I, I am legally abiding to my NDA.

• 37:24Caleb Hammer?

  I appreciate, but you are like a full Pearl Harbor flight.

• 37:27Speaker 03

  Yeah, I know. I, I'm a little bit of a yapper.

• 37:29Caleb Hammer?

  Get it? Asian, okay.

• 37:32Speaker 03

  Oh, okay, I'm not Japanese, so.

• 37:34Caleb Hammer?

  Uh-huh. $2,256.48.

• 37:39Caleb Hammer?

  With a $68 minimum payment, what is going on with this card? You're spending on a card that you can't pay off that fees are accruing. Hey, hey, hey, hey, if you do not actually make your minimum payment, well, if you make your minimum payments only and you don't purchase on it, what, you have purchased on it? How long does this take to pay off, lady? What's your stripper name? Angel?

• 37:56Speaker 03

  I think 13 years.

• 37:57Caleb Hammer?

  10 years.

• 37:58Speaker 03

  Oh.

• 37:59Caleb Hammer?

  10 years and no man, no man will desire you at that point in the sugar baby world. Right? Cause don't they go young?

• 38:07Speaker 03

  My neighbor that was a sugar baby, she just said she was 27, but she was 34.

• 38:12Caleb Hammer?

  Okay. And what's your plan?

• 38:13Speaker 03

  Well, so I want to work in kitchens for like the next 10 years.

• 38:16Caleb Hammer?

  Oh, your heart's disagreeing with that.

• 38:18Speaker 03

  Yeah, well, that sucks, but hopefully we'll figure it out and it won't be that big of a deal.

• 38:23Caleb Hammer?

  You don't have an OF.

• 38:24Speaker 03

  No.

• 38:25Caleb Hammer?

  Oh, thank.

• 38:26Speaker 03

  My family would kill me.

• 38:28Caleb Hammer?

  No, you don't do online press, you just do in person.

• 38:30Speaker 03

  Yeah, exactly. So anyways, so I want to cook for like 10 years and then I want to become a high school culinary teacher, which makes about 120K at my, at my old public school.

• 38:45Caleb Hammer?

  Does every public school have this?

• 38:47Speaker 03

  Not every public school, but at least.

• 38:50Caleb Hammer?

  So this is not a high end demand job?

• 38:52Speaker 03

  It's not a high end demand job.

• 38:54Caleb Hammer?

  Why it pays so much? How do you know how much that job makes?

• 38:56Speaker 03

  So in California, you can, there's a website called Transparent California and you can search up any public employee's salary.

• 39:04Caleb Hammer?

  It doesn't outreaching enough to bring down taxes somehow. Okay. Why are you purchasing on this card then? If your plan is to not have it in 10 years?

• 39:13Speaker 03

  Because I'm bad with spending.

• 39:19Caleb Hammer?

  No income will save you. No income will save you.

• 39:23Speaker 03

  Yes, no income will save me. And also this is before I lost my job. So, or not lost my job, but took medical leave.

• 39:30Caleb Hammer?

  What's the fee? You've had fees like every transaction, foreign transaction. What, what are you getting foreign?

• 39:35Speaker 03

  Um, I use that to pay for my wisdom teeth removal. I'm pretty sure in Vietnam.

• 39:39Caleb Hammer?

  In Vietnam?

• 39:40Speaker 03

  I went to Vietnam.

• 39:41Caleb Hammer?

  Is that the homeland?

• 39:42Speaker 03

  It is the homeland. It's where my mom lives.

• 39:44Caleb Hammer?

  Like Nho Anh or whatever?

• 39:45Speaker 03

  That's my sibling's last name.

• 39:47Caleb Hammer?

  See? Every time.

• 39:48Speaker 03

  Yeah.

• 39:50Caleb Hammer?

  You probably have the other one out of like the two last names.

• 39:53Speaker 03

  I do have the other one, but um, well, mine's more like Chinese, but anyways. So my mom lives in Vietnam. We, me and my siblings all went there for her birthday.

• 40:03Caleb Hammer?

  Your mother lives in the Vietnam.

• 40:04Speaker 03

  Yes.

• 40:05Caleb Hammer?

  We love the Vietnam.

• 40:06Speaker 03

  Yeah, it's beautiful.

• 40:07Caleb Hammer?

  We, we, you know, they came back around.

• 40:09Speaker 03

  I got my teeth pulled there because it was only $300 and in the States it was going to be like $800.

• 40:15Caleb Hammer?

  Well, yeah, it's very different when it's done in a tunnel versus a building.

• 40:18Speaker 03

  Nice dentist offers.

• 40:20Caleb Hammer?

  I'm kidding, I'm making fun of them. We love the Vietnam. Could have been the 51st state, but we love them either way. Day and night liquor. So getting stuff. So you have to, so you suck the old dick.

• 40:30Speaker 03

  That's not true.

• 40:31Caleb Hammer?

  What's the oldest you've gone for?

• 40:33Speaker 03

  Seventy.

• 40:37Caleb Hammer?

  That's up there.

• 40:38Speaker 03

  It is up there.

• 40:39Caleb Hammer?

  That's up there.

• 40:40Speaker 03

  It is up there.

• 40:40Caleb Hammer?

  I'm not much of an age gap carer and I still really don't care, but that's up there.

• 40:44Speaker 03

  It is up there. It is up there.

• 40:45Caleb Hammer?

  Can I see?

• 40:46Speaker 03

  I don't have a picture of him.

• 40:47Caleb Hammer?

  You know him?

• 40:48Speaker 03

  I know him.

• 40:48Caleb Hammer?

  You can't look him up?

• 40:49Speaker 03

  No, like I don't, he didn't even give me his real name for a long time.

• 40:53Caleb Hammer?

  Was he able to walk?

• 40:54Speaker 03

  Yeah.

• 40:55Caleb Hammer?

  And he was able to get up?

• 40:56Speaker 03

  He's pretty in shape because he sails a lot.

• 40:58Caleb Hammer?

  Did he just lay there?

• 40:59Speaker 03

  No, he was like pretty active.

• 41:01Caleb Hammer?

  Oh, I want to be there.

• 41:02Speaker 03

  Actually, I would get tired before, no.

• 41:05Caleb Hammer?

  He was rich.

• 41:05Speaker 03

  A lawyer. Yeah, I would get tired before him and then he would just jerk off next to me. Well, you know what?

• 41:12Caleb Hammer?

  Okay, and then you went and got some bullshit.

• 41:14Speaker 03

  Can I tell you about day and night?

• 41:15Caleb Hammer?

  Chlorine at Dicky's. Usually they pay you for the Dicky's, am I right? TikTok shop, day and night liquor, again, glugging it up just to survive.

• 41:24Speaker 03

  Is the convenience store that's right next to my apartment and I've spent way too much money there.

• 41:28Caleb Hammer?

  Yeah, to get through all the old peen.

• 41:30Speaker 03

  I don't drink. I just smoke a lot of weed.

• 41:36Caleb Hammer?

  Well, that's why you get tired when you're bouncing on that dick. D H A Koha Lan Ah.

• 41:42Speaker 03

  That's the wisdom teeth, I'm pretty sure.

• 41:44Caleb Hammer?

  Oh, yeah, I was gonna say that doesn't, that's definitely a communist type of language. And then C Popmart, okay, Popmart.

• 41:52Speaker 03

  Oh, I brought Pop. I brought Popmart for you to look at.

• 41:55Caleb Hammer?

  Great. Yippee.

• 41:58Speaker 03

  Um, I do have a Popmart.

• 42:00Caleb Hammer?

  Enough to fit in there, huh?

• 42:01Speaker 03

  I have a Popmart addiction. I like Skull Panda. Aren't these so cute? Caleb!

• 42:09Caleb Hammer?

  Did I break it?

• 42:09Speaker 03

  No, it comes off, but like, why did you grab it from there? That's like grabbing a man by the dick. Like, what the?

• 42:17Caleb Hammer?

  I don't know. You do that all the time. It seems like, what the fuck am I looking at?

• 42:22Speaker 03

  They're so cute!

• 42:24Caleb Hammer?

  How much is one of those?

• 42:25Speaker 03

  Twenty-five dollars.

• 42:25Caleb Hammer?

  Oh, you need to die. You need to die.

• 42:28Speaker 03

  How much did I spend on Popmart in my life?

• 42:30Caleb Hammer?

  You from LA?

• 42:31Speaker 03

  Yeah. Well, no, I grew up in France for like five years and then I moved to LA.

• 42:35Caleb Hammer?

  You moved to LA so you can get paid for dick?

• 42:38Speaker 03

  No, I moved to LA in first grade.

• 42:40Caleb Hammer?

  Oh, okay.

• 42:41Speaker 03

  My mom wanted me to.

• 42:43Speaker 06

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• 43:08Caleb Hammer?

  You have a lot of foreign transaction fees constantly. Forty-three bucks this year.

• 43:12Speaker 03

  I went to Vietnam. That was...

• 43:14Caleb Hammer?

  No, no, no, no. In the Vietnam, it was only $10. But you've had 43 this year. Maybe it's pop more. I don't know if that's...

• 43:22Speaker 03

  I bought like multiple things in Vietnam.

• 43:24Caleb Hammer?

  What are you going inside the market and getting for like 10 bucks?

• 43:26Speaker 03

  What market?

• 43:27Caleb Hammer?

  Uh, Main Street Market. You're just getting like 10 dollars.

• 43:30Speaker 03

  Main Street Market, yeah. Energy drinks.

• 43:32Caleb Hammer?

  Okay, that's moronic in every way whatsoever.

• 43:34Speaker 03

  I know.

• 43:35Caleb Hammer?

  Here, you don't make money. You're about to go on disability. Take some of these. Gamer Subs, they're goony and you're goony. And we love that you're goony. Honestly, I don't even... Honestly, I don't even care that you're... I really don't. I'm okay with it being legalized as long as it's safe and it's smart because consenting adults should be able to do whatever consulting adults want to do. Yes, of course.

• 43:52Speaker 03

  Can I make it?

• 43:52Caleb Hammer?

  So here you go. Gamer Subs, it is... I've been saying 25 cents. Someone called me out and I think it's like 40 cents this year. It's still so cheap.

• 44:01Speaker 03

  I asked Lindsay and she said it was really 25 cents. The liar!

• 44:05Caleb Hammer?

  But that's my mistake. I don't remember. But either way, there's a discount 40% per saving. GamerSubs.gg. Link in the description below. Get your free samples by typing in code TALOB.

• 44:18Caleb Hammer?

  Well, it's very strong in the powder form. You dumped it.

• 44:20Speaker 03

  Okay, I got that.

• 44:21Caleb Hammer?

  I have LA. They're all retarded.

• 44:22Speaker 03

  Wait, wait, wait, wait. Is this strawberry? This isn't strawberry, right?

• 44:25Caleb Hammer?

  No.

• 44:25Speaker 03

  It is strawberry? I'm allergic. I'm allergic to that.

• 44:29Caleb Hammer?

  Either way, make your coffee at home. Make your energy drinks at home. It tastes just as good. It tastes... It is just as good.

• 44:34Speaker 03

  It smells like strawberry.

• 44:34Caleb Hammer?

  It's very good.

• 44:37Speaker 04

  You came for the finances. But what if you could have more? Welcome to Hammer Elite YouTube's number one membership. Get even more exclusive members audits.

• 44:50Caleb Hammer?

  Your time 100%. Yeah.

• 44:53Speaker 04

  Juicy post shows.

• 44:54Caleb Hammer?

  You were doing this behind his back.

• 44:56Speaker 04

  One of them. I've actually never seen this photo. Spicy audit breakdowns.

• 45:00Caleb Hammer?

  We still don't film with people like that. Like, he is a next level.

• 45:04Speaker 04

  Audit updates.

• 45:05Speaker 03

  I'm seeing a therapist now. Personally or romantically or both?

• 45:10Speaker 04

  Behind the scenes moments.

• 45:15Speaker 04

  And Budget Buddy surprises.

• 45:19Speaker 04

  And for this month only, you can get all of this for free. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we will reimburse you for your first month with a $10 digital gift card that can be spent anywhere in most countries. You have no idea what you're in for.

• 45:42Caleb Hammer?

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

• 46:05Speaker 03

  The number one ranked energy drink is Gamersubs. Literally, the cherry flavor is insane.

• 46:12Caleb Hammer?

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

• 46:22Speaker 03

  This is lemonade. I'm gonna try this one. Sorry, I'm allergic to strawberry flavoring.

• 46:28Caleb Hammer?

  Okay, you just literally snorted it in, so you're probably about to die.

• 46:31Speaker 03

  Yeah.

• 46:31Caleb Hammer?

  And I'll also get you hooked up with the fizz card as well. To have a card that builds credit.

• 46:35Speaker 03

  You don't think I can be a credit card person?

• 46:37Caleb Hammer?

  Well, uh, no.

• 46:38Speaker 03

  If I just try really hard.

• 46:40Caleb Hammer?

  I mean, you could try really hard, but you're not.

• 46:42Speaker 03

  Hmm.

• 46:43Caleb Hammer?

  You're objectively not. So why would I think you can?

• 46:46Speaker 03

  Because...

• 46:47Caleb Hammer?

  I mean, I would have put it in there so you could use the shaker.

• 46:49Speaker 03

  I put the strawberry shit in there.

• 46:50Caleb Hammer?

  I know you're professional at this, so...

• 46:51Speaker 03

  I put the strawberry in here. I can't drink it anymore.

• 46:54Caleb Hammer?

  I would have dumped it out. But now, how are you gonna stir that?

• 46:56Speaker 03

  Where am I gonna dump it out?

• 46:57Caleb Hammer?

  How are you gonna stir that?

• 46:58Speaker 03

  I'm sure I have something in my...

• 47:01Caleb Hammer?

  She carries around straws?

• 47:02Speaker 03

  In my collection bag. No, I don't have anything.

• 47:05Caleb Hammer?

  Okay. Girl, you're a mess.

• 47:08Speaker 03

  Oh, wait, I have a, I have a stir. I have a stir.

• 47:09Caleb Hammer?

  So you tell me you think you might be able to be a credit card person, yet the next credit card I have right here is literally Credit One, which is the worst of the worst of the worst of the worst. It is indicative of you being the worst.

• 47:24Caleb Hammer?

  Okay.

• 47:25Speaker 03

  Hmm.

• 47:29Speaker 03

  This is good.

• 47:30Caleb Hammer?

  It is very good.

• 47:31Speaker 03

  It's like a, I would rate that like an eight out of 10.

• 47:33Caleb Hammer?

  Yeah, no, they're, they're legitimately delicious. Uh, I don't know if it's the caffeine version or hydration version, but I think that is the energy drink version. It's just like a normal energy drink. But on here, you owe $447.03 with a minimum payment of 60 bucks.

• 47:48Speaker 03

  Yeah.

• 47:49Caleb Hammer?

  What are you doing? You, you wanna say you're a credit card person? Fuck you. You spent $454 on here this last month. You put a payment towards the other balance, and then you immediately spent on here. You're just, you're just like, paying down a little and obliterating it constantly.

• 48:04Speaker 03

  I paid it completely off, um, before I went to Vietnam. And then when I was there, I just bought my mom a bunch of shit, basically.

• 48:11Caleb Hammer?

  Can she not buy shit?

• 48:12Speaker 03

  No. We like, she moved there...

• 48:16Caleb Hammer?

  By the way, there was the TikTok purchases on the last one. Pull up your TikTok shop for me.

• 48:19Speaker 03

  Okay.

• 48:19Caleb Hammer?

  Let's see what's going on.

• 48:20Speaker 03

  It's cleaning products. I like to clean. I don't even have like TikTok on my homepage, because I don't use it. I only installed it to buy things.

• 48:29Caleb Hammer?

  Doesn't it even matter? Doesn't everyone just open apps while swiping down and just opening the app?

• 48:32Speaker 03

  No, my phone is color coordinated.

• 48:37Caleb Hammer?

  Are you looking at me for a compliment?

• 48:39Speaker 03

  I'm just letting you know. How do I go to my old purchases? I mean, you'll figure it out. Whatever. You know how to do this.

• 48:45Caleb Hammer?

  What is he like about you? Because again, I love his show. It's a very good show. Many people in the office look forward to every season that comes out.

• 48:52Speaker 03

  Okay, I mean, amazing.

• 48:54Caleb Hammer?

  You got things in. You got a big stainless steel cat litter thing and then a litter box deodorizer. This is all in cart, but how do I TikTok shop? I don't

• 49:07Speaker 03

  Wait, let me try.

• 49:08Caleb Hammer?

  How do I see the past?

• 49:09Speaker 03

  I'm gonna try and figure it out for you.

• 49:10Caleb Hammer?

  I don't.

• 49:12Caleb Hammer?

  Quiet now.

• 49:13Speaker 03

  All right.

• 49:13Caleb Hammer?

  Here's the orders. Oh, forgot to start a screen recording. Okay.

• 49:18Speaker 03

  We haven't done anything yet.

• 49:19Caleb Hammer?

  So a vacuum, I guess.

• 49:20Speaker 03

  It's not a vacuum. It's a steam mop. And I love it.

• 49:25Caleb Hammer?

  Okay, and lots of cat litter, cat steps. And oh, cat thing.

• 49:30Speaker 03

  Those are all returned.

• 49:31Caleb Hammer?

  Big bucket thing for the cat to be put in.

• 49:33Speaker 03

  I just wanted.

• 49:34Caleb Hammer?

  Okay, one was returned for what it's worth. One was returned. And then you bought them again. Let's check out the Amazon.

• 49:41Speaker 03

  The cat stuff was all returned.

• 49:42Caleb Hammer?

  No, it wasn't.

• 49:43Speaker 03

  Well.

• 49:44Caleb Hammer?

  It's literally not. It's on there and it's on screen.

• 49:46Speaker 03

  I need to figure it out then because it, I think it's.

• 49:49Caleb Hammer?

  Long distance gifts for girlfriend.

• 49:53Speaker 03

  Oh, um, the, like, the 100 Reasons Why I Love You. I bought that before he broke up with me and I was gonna do it.

• 49:59Caleb Hammer?

  Resin kit, lots of phone cases, many canceled, and then eventually you chose which one.

• 50:03Speaker 03

  Because.

• 50:04Caleb Hammer?

  Flower crowns for women. White lace sheer long bullshit.

• 50:09Speaker 03

  That was for Halloween.

• 50:10Caleb Hammer?

  Sexy body.

• 50:11Speaker 03

  Dress. That was for Halloween.

• 50:13Caleb Hammer?

  Dress, I guess. More cat things. A foldable bath mat. These aren't horrendous. You're just purchasing a shit ton of stuff, which is what's crazy. Because again, that filter's not horrible. Happy replacement, that's not horrible. But it's just you're endlessly purchasing.

• 50:26Speaker 03

  Also, I bought the phone cases because since I've been unemployed, I've been bored, so I got back.

• 50:31Caleb Hammer?

  Yeah, but that means you can't spend money. This is when you start stocking up for the big storm, dude. Hurricanes inbound. You need to board up the walls.

• 50:39Speaker 03

  Yeah.

• 50:40Caleb Hammer?

  Okay, okay. And then your subscriptions, you got DollarWise, which, I mean, that is good. You'll get it for free forever now, so we'll reimburse that, but.

• 50:48Caleb Hammer?

  Even though it is a subscription, again, that's one of those subscriptions that like, you pay for it and then you get thousands back because you actually budget. So that makes sense. And I'm also okay with iCloud plus. Mr. Number lookup.

• 50:59Speaker 03

  So that is for sugar babying. So you put in a number through there and then other sugar babies will leave reviews for people. And so then you can like determine if they're crazy or not.

• 51:09Caleb Hammer?

  You ever had a bad experience?

• 51:11Speaker 03

  Not me, no. But I've been really lucky though. I've had a lot of friends that have been like drugged and stuff. Which is scary.

• 51:16Caleb Hammer?

  Well, you also don't really seem to have limits, so.

• 51:18Speaker 03

  Well, a lot of my friends don't have limits either. They just like, you know, you end up with the wrong people.

• 51:25Caleb Hammer?

  Well, yeah, I mean, obviously drug, but I mean, like, yeah, if you, but like, well, most people want to do it. It sounds like you do, so. Okay.

• 51:31Speaker 03

  Oh wait, I wanted to show you this. Um, I buy phone cases to paint them. Look at this one that I did.

• 51:39Caleb Hammer?

  Oh, interesting. An animated show figure.

• 51:43Speaker 03

  But anyways, so.

• 51:45Caleb Hammer?

  It's interesting.

• 51:46Speaker 03

  I want to make you one. I want to make you one for your phone.

• 51:50Caleb Hammer?

  I don't wear cases.

• 51:51Speaker 03

  Well, that's stupid.

• 51:53Caleb Hammer?

  No.

• 51:53Speaker 03

  What if your phone breaks?

• 51:54Caleb Hammer?

  Okay, I use my Apple care.

• 51:56Speaker 03

  Okay, right. Whenever. Fine.

• 51:58Caleb Hammer?

  I'm also successful.

• 52:00Speaker 03

  Yeah.

• 52:00Caleb Hammer?

  Kind of like your ex.

• 52:02Speaker 03

  Yeah.

• 52:04Caleb Hammer?

  Except I don't pay to fuck. Well, you didn't either. You didn't either. I like you and your show. I'm not saying you paid to.

• 52:08Speaker 03

  No, he's amazing. We're not talking shit about him.

• 52:10Caleb Hammer?

  He was doing that before. No, there's nothing bad to say about him.

• 52:13Speaker 03

  I know. I mean, look at all that he's done for me, like.

• 52:16Caleb Hammer?

  If you want to invite me to come tour the thing that you guys do.

• 52:21Speaker 03

  Okay, I'll, I'll talk to him for you if you want.

• 52:24Caleb Hammer?

  I'll talk to him. I think he likes me more than you.

• 52:28Speaker 03

  Okay.

• 52:29Caleb Hammer?

  Oh, he dumped your ass. He's giving you money and he won't even for it. You're a late fee. Why are you late?

• 52:35Speaker 03

  On credit one, I have a late fee.

• 52:37Caleb Hammer?

  Dude, you're literally glugging and sucking down coming, yet you can't pay?

• 52:43Speaker 03

  I didn't realize.

• 52:44Caleb Hammer?

  Nut money's coming in left and right and you can't pay a $30 payment time. What is wrong with you?

• 52:49Speaker 03

  I think that was like, that was like six months ago. That was before.

• 52:51Caleb Hammer?

  No, this isn't. This was last month. This was October, you dumb.

• 52:55Speaker 03

  Hmm, yeah, I don't know. I have no idea then.

• 52:57Caleb Hammer?

  What are you trying to say? Six months ago? You, this just happened. What is wrong with you? How do you not know anything that's going?

• 53:04Speaker 03

  I made-

• 53:05Caleb Hammer?

  You literally have.

• 53:06Speaker 03

  I made a late payment.

• 53:07Caleb Hammer?

  You literally have the budgeting app. What is wrong with you?

• 53:10Speaker 03

  I just got the budgeting app, though.

• 53:11Caleb Hammer?

  Okay, well, just like anything else with any other education or anything you do, it only works if you actually put in the time.

• 53:18Speaker 03

  I have used it. I've used it.

• 53:19Caleb Hammer?

  How are you late then? And how did you not know you were late?

• 53:22Speaker 03

  That was before I got the budgeting app.

• 53:23Caleb Hammer?

  For god's sake, what is wrong with you?

• 53:24Speaker 03

  And, and, um, yeah, I don't know why. I, yeah, that's, that's my B.

• 53:31Speaker 03

  Like, I shouldn't be late. I am-

• 53:32Caleb Hammer?

  Shouldn't be. How do you even not know, though? Do you, why don't, did you not look at your finances?

• 53:36Speaker 03

  I do. I check them.

• 53:37Caleb Hammer?

  But then, it would be impossible that you do not know. Would it not be?

• 53:40Speaker 03

  Yeah, I think, I don't know. I don't know what happened. I was in the middle-

• 53:44Caleb Hammer?

  Are you gonna blow it all the way up?

• 53:46Speaker 03

  No, I upped it so that I would have less credit card usage.

• 53:50Caleb Hammer?

  No, cuz you push it up to the limit constantly and then you don't make your payments.

• 53:53Speaker 03

  I need to stop doing that. I can't do that anymore.

• 53:57Speaker 03

  It's like, but, it's, okay, in my mind, the way that I thought about it when I opened these cards, I was like, well, I'm only 18, like, what's the worst that's gonna happen? Like, people have a bunch of student loan debt. And then, but then, like-

• 54:11Caleb Hammer?

  So you didn't go to college? No culinary school?

• 54:13Speaker 03

  No. I did, so I was in-

• 54:16Caleb Hammer?

  What can you even cook that's good?

• 54:17Speaker 03

  What are you talking about? I, I literally-

• 54:19Caleb Hammer?

  What's the best dish you can make?

• 54:21Speaker 03

  The best thing? I don't know. I, I mean, that's like such a vague question, like, I-

• 54:27Caleb Hammer?

  If you were to cook a signature dish, what would you cook?

• 54:30Speaker 03

  I would cook, um, I would cook chicken teriyaki burritos. That's my favorite thing to make. But that is not, like, I'm a fine-

• 54:38Caleb Hammer?

  Do you cook for yourself every meal?

• 54:40Speaker 03

  Nope.

• 54:41Caleb Hammer?

  What is wrong with you? See? And then you're late. You never cook.

• 54:43Speaker 03

  I never cook.

• 54:43Caleb Hammer?

  Are you, what is wrong with you?

• 54:45Speaker 03

  I cook for 10 hours a day. I don't wanna go home and cook more.

• 54:48Caleb Hammer?

  Doesn't matter what you, why you don't have money! And you don't cook 10 hours a day? You're on medical leave, you- How long have you been on medical leave?

• 54:54Speaker 03

  Two weeks.

• 54:55Caleb Hammer?

  Fuck you. Why aren't you cooking?

• 54:56Speaker 03

  Well, because he gave me his credit card on DoorDash.

• 55:01Caleb Hammer?

  Uh, bleep the name. Is that the, the guy?

• 55:03Speaker 03

  That's my ex, yeah.

• 55:04Caleb Hammer?

  He gave you-

• 55:08Caleb Hammer?

  Why would he do this?

• 55:09Speaker 03

  Cause, I don't know. I don't have the answers to these questions.

• 55:13Caleb Hammer?

  Why is he, why is he enabling you? Why?

• 55:16Speaker 03

  Well, I

• 55:17Caleb Hammer?

  Okay, when did you get Hinge?

• 55:19Speaker 03

  I got it again like three days ago, four days ago.

• 55:20Caleb Hammer?

  Okay. Open it again.

• 55:23Speaker 03

  Do you like my dog? You like dogs?

• 55:25Caleb Hammer?

  He ordered lunch for the office? Yes, your dog's very cute.

• 55:27Speaker 03

  No, I can't because I think, I haven't checked if he removed his card, but I don't want to.

• 55:32Caleb Hammer?

  Let's check it.

• 55:33Speaker 03

  Okay.

• 55:34Caleb Hammer?

  First, I wanna see Hinge, and then second, I wanna see if he's removed the DoorDash.

• 55:41Speaker 03

  I haven't used it.

• 55:42Caleb Hammer?

  You got, you got a good amount of likes.

• 55:43Speaker 03

  And then he

• 55:44Caleb Hammer?

  Okay, we got five minutes, let's see. Uh, dude.

• 55:48Speaker 03

  Also, he's

• 55:50Caleb Hammer?

  Oh my gosh, dude's 50. He looks wild.

• 55:54Speaker 03

  Yeah, he's scary as

• 55:55Caleb Hammer?

  Does, but maybe he's, uh, what does he do? Um, apparently nothing.

• 56:00Speaker 03

  Well, they don't really like to put their full job title on there usually.

• 56:03Caleb Hammer?

  Oh my gosh, this one's 60. He works

• 56:07Speaker 03

  He said he wanted to spoil me, so.

• 56:09Caleb Hammer?

  Well, yeah, look at him.

• 56:09Speaker 03

  Also scary.

• 56:11Caleb Hammer?

  Really? Why?

• 56:12Speaker 03

  I don't know, like his smile, it's like Cheshire Cat.

• 56:14Caleb Hammer?

  Um, let's arrange a meetup this week. So you're about to, he's about to pay a thousand.

• 56:21Speaker 03

  Most likely, yeah.

• 56:21Caleb Hammer?

  And you're okay with that wrinkly 60-year-old dick?

• 56:24Speaker 03

  The dicks are usually normal.

• 56:26Caleb Hammer?

  Are you into it?

• 56:28Speaker 03

  I am

• 56:28Caleb Hammer?

  Are you into it, or are you just into the money?

• 56:30Speaker 03

  I'm into the, for this one, just the money. But I am, I do like getting paid to

• 56:36Caleb Hammer?

  Okay, see, this is, this is what?

• 56:38Speaker 03

  It's like

• 56:39Caleb Hammer?

  What? Tell me.

• 56:40Speaker 03

  Oh, because it's like, it's like, oh, like, someone would pay you, like, that much money to Like, I like for them to, like, print the money out in dollar bills and, like, throw it on me. That's fun.

• 56:50Caleb Hammer?

  Okay, so, he, uh, your prompt is the way to win me over is food, and he said, how about a lovely brunch? Her immediate response is at the beginning, hi, do you wanna spoil me? He says, yes, spoil like milk.

• 57:05Caleb Hammer?

  You said that's what I like to hear. And then he said where he lives. Okay.

• 57:09Caleb Hammer?

  He said where you live. We should meet up.

• 57:12Caleb Hammer?

  Talked about it was raining because it rained in LA and it was very scary. Okay, he said. Looking for someone fun, likes to be taken care of.

• 57:23Caleb Hammer?

  And chill together. You said that's what I'm looking for too. I want a provider, someone that'll take care of me. I'm a homebody, so I love cuddling. I e. cuddling your asshole onto a penis.

• 57:35Speaker 03

  What's up with the asshole thing?

• 57:37Caleb Hammer?

  What?

• 57:38Speaker 03

  Like, I have a vagina.

• 57:40Caleb Hammer?

  You have a vagina, but you said you let them do anything, so I assume.

• 57:42Speaker 03

  Oh, no, no, no, no, no. Anal's not. I don't do anal.

• 57:45Caleb Hammer?

  Oh, then she doesn't do anything?

• 57:46Speaker 03

  Yeah.

• 57:46Caleb Hammer?

  What the fuck is she talking about?

• 57:47Speaker 03

  That's the only thing.

• 57:47Caleb Hammer?

  It's the classic girl that says I'm into anything and then it's like the one thing that's above like normal just doesn't do.

• 57:53Speaker 03

  No, anal's the only thing I don't do. Like, I will literally get tied to a [BLEEP] bed and like be in. I don't care.

• 57:59Caleb Hammer?

  That's normal these days.

• 58:00Speaker 03

  Yeah, but like, okay, so like, I've, I mean, like. There's a lot of sex parties in LA too. They do crazy shit out there.

• 58:09Caleb Hammer?

  And do you go?

• 58:10Speaker 03

  I've been to one. I, my friend's dad, so [BLEEP] hot sugar baby, she, my, she started [BLEEP] my old best friend's dad who runs a [BLEEP] club in LA. Yeah, that was, and she was like, I met this guy.

• 58:27Caleb Hammer?

  You go there and just get railed?

• 58:29Speaker 03

  No, you don't have to have sex if you go.

• 58:31Caleb Hammer?

  Did you?

• 58:31Speaker 03

  No.

• 58:32Caleb Hammer?

  Why?

• 58:33Speaker 03

  Because I just wanted to see what was up.

• 58:35Caleb Hammer?

  Was it fun?

• 58:36Speaker 03

  Yeah. It was fun. They had like a.

• 58:38Caleb Hammer?

  Diddy party?

• 58:38Speaker 03

  Yeah, it was kind of like a Diddy party, but they're very like, they have like security guards there. They're like, you need to consent, like, you know, this is not whatever the fuck.

• 58:45Caleb Hammer?

  I hope so.

• 58:46Speaker 03

  And then, you know, they had like a show that was like a married, like, it was like a marriage and then the girl just to get like [BLEEP] by like five guys. It was insane.

• 58:55Caleb Hammer?

  And then you asked the scary guy, do you want to spoil me? And he said, yes, do you want to spoil me? And you said, of course. He sent a lot of messages and you kinda ghosted.

• 59:04Speaker 03

  Oh yeah, cuz that's when I started dating.

• 59:06Caleb Hammer?

  Um, okay, this guy matched with you. He said you're pretty and you said, do you wanna spoil him? And he says, does that actually work? And then you said, yeah, some guys know how much money is worth.

• 59:14Speaker 03

  Or how much a woman is worth.

• 59:15Caleb Hammer?

  And he said, well, good luck with that, which is fair because what the f**k, you're insane.

• 59:19Speaker 03

  There's a lot of guys that don't wanna pay you, but there's a lot of guys that do.

• 59:21Caleb Hammer?

  Oh my gosh, how old's this guy? Sixty-seven. Okay, let's see. Does real estate in LA? Uh, hi, do you wanna spoil me is your opening message? He says, yes.

• 59:31Speaker 03

  Pretty much like a copy of his.

• 59:33Caleb Hammer?

  Uh, I like cash and good faith. Ha, ha, ha.

• 59:36Speaker 03

  Good food, I'm a-

• 59:37Caleb Hammer?

  I'm a simple man. Okay, uh, I have a little bit of both. That's perfect. We should meet up. Leave the phone number. There's your phone number. Okay, and here's the last one. Looks like a filmmaker of some kind. A director. Um, oh, you didn't open with, you opened with talking about film.

• 59:57Speaker 03

  Because some of the, like, the nerdier-

• 59:59Caleb Hammer?

  You're just trying to get clout.

• 1:00:00Speaker 03

  Some of the nerdier guys, they don't like sugar babies, so I would rather, like, get them for something else.

• 1:00:07Caleb Hammer?

  How do you wanna spoil me? That guy didn't respond. Why don't you just, just find a good man? How do you wanna spoil me? That guy didn't respond. How do you wanna spoil me? That guy didn't respond.

• 1:00:16Speaker 03

  I just don't, I don't have, like, I, I don't know. I like being single.

• 1:00:21Caleb Hammer?

  This guy asked if you like to watch.

• 1:00:24Caleb Hammer?

  This makes no sense that she can do full prostitution on Hinge? And literally, and I'm glad we f**ked and won it back, but like, I went on this date with a crazy b**k that hadn't been on a date for five years, and she also opened up messages, like, or she opened up a conversation person with the, yeah, I haven't been on dating in years cuz I don't trust them, and that should've been a red flag. And we went back to my place, tried to hook up, she didn't want to, and I was like, okay, please leave. So I called her an Uber, because like, that was pretty much it. There was no interest there outside of just a hookup. And that's fine, consensual adults do whatever consensual adults wanna do. And she left. And then because I wanted to hook up and not actually go on like a date, she f**ked the f**k out, got me banned on Hinge and stuff. It's obnoxious. I know.

• 1:01:06Speaker 03

  That's insane.

• 1:01:07Caleb Hammer?

  And yet you're a prostitute on there. Now luckily, I got it back because I was like- Look at this crazy bitch. She's going crazy on Reddit and a bunch of crazy places because she's an actual insane freak that oversensationalizes things and tries to destroy people's lives. Exactly. And that's the only reason she decided to do it. My lawyer told me.

• 1:01:22Speaker 03

  Yeah, exactly.

• 1:01:23Caleb Hammer?

  No one else would actually do what she did. She's crazy.

• 1:01:25Speaker 03

  No, yeah, that's so like.

• 1:01:26Caleb Hammer?

  Hey, would you like to have sex? No. Okay, then we should go our separate ways. Canceled! Like, what the fuck are we doing? People are insane. And then you do online prostitute and you're just allowed to be on there. No wonder the stocks for Match Group, who owns Hinge and Bumble, are literally at the bottom of a cliff.

• 1:01:44Speaker 03

  Well, okay.

• 1:01:45Caleb Hammer?

  And Grindr's going to the moon.

• 1:01:46Speaker 03

  I just want to clarify that I give these people my number because that way I get their number and I can look them up on Mr. Number and then I can block them. So that's why I get like, I immediately give them my number.

• 1:01:58Caleb Hammer?

  I don't think we're talking about your safety. I think we're talking about how insane those apps are.

• 1:02:02Speaker 03

  Oh, yeah. I mean.

• 1:02:03Caleb Hammer?

  And.

• 1:02:03Speaker 03

  Well, I mean, seeking arrangements is literally like just full blown for escorts, like.

• 1:02:09Caleb Hammer?

  Yeah, I mean, I'm not defending them. I don't know. And again, I don't really care what adults do.

• 1:02:14Speaker 03

  Oh.

• 1:02:15Caleb Hammer?

  Okay, let's double the love. What is this? Alta? What's going on here? I gotta try to cover up all that so that you get money for.

• 1:02:23Speaker 03

  I opened an Alta card to buy eyeshadow and then I was like, that's the only thing I'm gonna buy. So then I didn't, I didn't buy anything. And then my mom came to visit and I bought her some makeup because they don't exist in Vietnam. And then, but I have not used that card since, like, and I've been doing my payments.

• 1:02:42Caleb Hammer?

  Okay, well, you owe $137 and you're just making your minimums, uh, 37. Well, there's, what, what is this? Fees and interest? 37 is your minimum monthly. Shit ton of fees this year. What's that worth the fees for? Account assure. You're paying for like some account protection.

• 1:02:58Speaker 03

  How much is the fees?

• 1:03:00Caleb Hammer?

  Well, it's stacking up to 40 bucks this year so far, but it is still money being taken away when you don't even have a job right now.

• 1:03:05Speaker 03

  I know. I should just pay that one off.

• 1:03:08Caleb Hammer?

  Yeah, just pay it off. No shit.

• 1:03:09Speaker 03

  I just.

• 1:03:10Caleb Hammer?

  I don't understand why you don't.

• 1:03:12Speaker 03

  I literally just.

• 1:03:13Caleb Hammer?

  You just opened this a few months ago. Well, why haven't you? Because that's indicative of what the conversation, what your life looks like after this conversation. Because you didn't walk it into here. Sure, you can come sit here and say, I'll just pay it off right now. Why didn't you? Because that's all that matters. That is what's gonna impact what's done after this.

• 1:03:26Speaker 03

  I don't know why I did it. It just wasn't like important to me because it's only a hundred dollars. But then it's like, yeah, the fees go up and like, they just don't stop going up.

• 1:03:41Caleb Hammer?

  Okay, Quicksilver, what's going on?

• 1:03:43Speaker 03

  Um, it's just another bullshit spending, just more bullshit spending, basically.

• 1:03:49Caleb Hammer?

  $483.74. The minimum payment of $25. Yeah, transactions, you're purchasing.

• 1:03:58Speaker 03

  Yeah.

• 1:03:58Caleb Hammer?

  Well, interest is accruing. Why? Why are we putting money on cards that are just accruing interest like crazy?

• 1:04:04Speaker 03

  Because I don't have the cash.

• 1:04:06Caleb Hammer?

  Then you can't purchase it. Would that not be the natural conclusion? If the budget, if Dollar Y says you do not have money to spend, why are you spending?

• 1:04:14Speaker 03

  I don't know.

• 1:04:15Caleb Hammer?

  You haven't paid rent this month, lady. You haven't paid rent. You're literally glugging it down 90-year-old dick so that you can make money, and yet you're not even paying rent. What's even the point at that point?

• 1:04:30Speaker 03

  Well, I haven't this month. That's the thing. I haven't since... So that's been, it's been like four months.

• 1:04:36Caleb Hammer?

  Stop saying his name. We have to keep believing it.

• 1:04:37Speaker 03

  Sorry, sorry, sorry, sorry.

• 1:04:41Speaker 03

  Can we give him a fake name?

• 1:04:42Caleb Hammer?

  Yeah, since X, since the X.

• 1:04:43Speaker 03

  Okay, since X, dude. Okay. Um, since my ex, I was out of the business for like four months.

• 1:04:54Caleb Hammer?

  The business of...

• 1:04:55Speaker 03

  Yeah.

• 1:04:56Caleb Hammer?

  Okay.

• 1:04:57Speaker 03

  When he broke up with me, he, you know...

• 1:05:00Caleb Hammer?

  And what are you purchasing? What are your absolute necessity purchases that you have to do or else?

• 1:05:05Speaker 03

  There's, there's a bad purchase on there.

• 1:05:07Caleb Hammer?

  Yeah, but you said, "I don't have money in my checking account." So obviously you have to purchase this. These are needs. You'll die without them.

• 1:05:12Speaker 03

  It's a knife. I bought a knife.

• 1:05:14Caleb Hammer?

  Why?

• 1:05:14Speaker 03

  Because I'm a cook.

• 1:05:16Caleb Hammer?

  Okay, uh, pet camera, Spotify, and then there's the knife.

• 1:05:19Speaker 03

  Okay, so the Spotify, I did move to my checking account and my Furbo, I also moved the subscription to my checking account.

• 1:05:26Caleb Hammer?

  Well, that's a good start, but Furbo, do you, do we need this?

• 1:05:29Speaker 03

  Yes.

• 1:05:30Caleb Hammer?

  For a cat?

• 1:05:31Speaker 03

  For my two dogs and my two cats.

• 1:05:33Caleb Hammer?

  What? This is a camera, right?

• 1:05:35Speaker 03

  Yeah, it's a camera, but I use it also like as like a ring, basically. So like if someone comes into our house, I have it on video and it records like...

• 1:05:42Caleb Hammer?

  Which is coming into your house?

• 1:05:44Speaker 03

  Well, my roommate invites a lot of people over.

• 1:05:47Caleb Hammer?

  Well, if that's your roommate.

• 1:05:49Speaker 03

  I mean, she dates like crazy people. No, no, no, we don't invite sugar daddies over. But um, she, she was just, just broke up like two days before I came here with a guy who was a drug lord. Good news, Brandon. A drug lord felon. Well, she's hot, though.

• 1:06:04Caleb Hammer?

  If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor is someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC, supply chain, and many others that can be done remotely.

• 1:06:44Caleb Hammer?

  And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job, was starting from scratch. Click the link below to sign up for one of their free courses today. Wanna know a dirty little secret? And no, I'm not starting an only [BLEEP]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month.

• 1:07:28Caleb Hammer?

  Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get access to try it for free plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started.

• 1:07:46Speaker 03

  Who literally, he was caught with

• 1:08:00Caleb Hammer?

  Does he want to share the wealth?

• 1:08:03Speaker 03

  Well, he got caught, so he doesn't have any wealth.

• 1:08:06Caleb Hammer?

  That's a shame.

• 1:08:06Speaker 03

  So then my roommate was like sugar mama-ing him. And then I in turn was having a sugar mama her. Because she makes like no money, but yeah.

• 1:08:16Caleb Hammer?

  Yeah, does she ever not pay rent? What's gonna happen when you don't pay rent and then she's on the hook?

• 1:08:21Speaker 03

  Well, she hasn't paid her rent either. We didn't pay rent for a while.

• 1:08:26Caleb Hammer?

  She hasn't paid rent either?

• 1:08:27Speaker 03

  Yeah, she hasn't yet, no.

• 1:08:28Caleb Hammer?

  For how long?

• 1:08:29Speaker 03

  So we, we moved in in August. I paid first month and then we paid one month after that. But they wouldn't give us our garage fob. And then someone's car got broken into right outside my apartment.

• 1:08:43Speaker 06

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• 1:09:08Caleb Hammer?

  Matter, you have to pay your rent?

• 1:09:10Speaker 03

  No, I told them, I was like, I'm not paying until you guys get me my amenities. And they were like, okay. And then, um, and then, but the only, we only, so the rent in total is 3,200, but we only owed 2,500 because it was only like a prorated month that we missed. And we are also supposed to-

• 1:09:27Caleb Hammer?

  So when you guys are on the street with the other lovely people in LA?

• 1:09:31Speaker 03

  Yeah.

• 1:09:32Caleb Hammer?

  Cause there's a lot of them.

• 1:09:33Speaker 03

  Mm-hmm.

• 1:09:34Caleb Hammer?

  Then what? You can't say it doesn't happen. Cause that's what everyone tries to say. You're getting evicted, you dumb tits. You guys aren't paying your rent.

• 1:09:41Speaker 03

  Yeah, no, I mean, definitely like-

• 1:09:44Caleb Hammer?

  Wait, you were sugar mamaing. Do you, have you, you and your roommate?

• 1:09:46Speaker 03

  No, I just mean like I-

• 1:09:48Caleb Hammer?

  You're bisexual.

• 1:09:48Speaker 03

  Oh, well, I mean, we, we, we do threesomes for money.

• 1:09:54Speaker 03

  But she's beautiful.

• 1:09:56Caleb Hammer?

  Agreed.

• 1:09:57Speaker 03

  Yeah. But anyways, so, um, like, obviously evicting happens, but literally no one in my building has paid rent. And there's also mold in like, almost every apartment. So we're gonna get a mold check, too.

• 1:10:09Caleb Hammer?

  Well, you should get a mold check, that's for sure, and maybe report it to local institutions. But yes, people get evicted. You know there are homeless in LA. That's kind of a thing.

• 1:10:17Speaker 03

  Evicted. My mom got evicted. That's why she lives in Vietnam.

• 1:10:19Caleb Hammer?

  There you go. So to assume it won't happen to you.

• 1:10:22Speaker 03

  I'm not saying it's not gonna happen to me.

• 1:10:24Caleb Hammer?

  And you're banking on the mold thing, I have a feeling, which I don't want you to have mold, but if you do, then yes, leverage it, but...

• 1:10:30Speaker 03

  Banking on the mold thing. I, so they also owe us $3,200 because we had a move-in incentive, and it was like, well, we'll give you this gift card, and then, and then they switched property management companies, and the new property management company is like, well, that was for the old property management. And we were like, yeah, but if you acquire a building, you can't just put this on the resident when this was in our lease agreement. Like, you acquire-

• 1:10:55Caleb Hammer?

  Good luck. I hope you don't get evicted. It's, I'm, I'm hoping. I, I don't know.

• 1:10:58Speaker 03

  I, yeah, I mean, I-

• 1:11:00Caleb Hammer?

  Okay, and here's the tenant. Past due, right? This is it, right?

• 1:11:03Speaker 03

  No, no, no, that's a different one.

• 1:11:05Caleb Hammer?

  You're from a different, different place. Why? What happened?

• 1:11:08Speaker 03

  Can I just say first that I have a claim open with the LA Housing Department for my, for me not-

• 1:11:12Caleb Hammer?

  For the mold?

• 1:11:13Speaker 03

  For, no, no, no, for the garage fob situation. And there is a claim open, so-

• 1:11:17Caleb Hammer?

  The garage fob?

• 1:11:18Speaker 03

  Yeah, I know, it's so stupid. They literally didn't give me a claim.

• 1:11:21Caleb Hammer?

  Okay, well, you have a claim open, so we can't rely on that, because it's just an open claim. We don't know where it's going.

• 1:11:26Speaker 03

  Yeah, I mean, it's just that, that way, like, if we go to-

• 1:11:29Caleb Hammer?

  I highly doubt the LA government is very effective.

• 1:11:31Speaker 03

  I mean, if you-

• 1:11:32Caleb Hammer?

  They spend a lot of money. Usually the more they spend, the more bureaucratic it gets.

• 1:11:35Speaker 03

  Yeah. The, the thing is, though, that if you have a claim open with the LA Housing Department, and you go to small claims court, like, it will pretty much, like, guarantee that you win against your property management. They're very, like-

• 1:11:47Caleb Hammer?

  I can't agree or disagree. I don't know, but I do not trust you as a reliable source with that information.

• 1:11:52Speaker 03

  That's fine. You don't need to trust me. It's-

• 1:11:53Caleb Hammer?

  Now, what the, because your path, maybe they'll see that you're past with another landlord, and they'll say, fuck you, this is an ongoing thing you do.

• 1:12:00Speaker 03

  Um, so that is because I broke my lease. Uh, I was living in Hollywood. If anyone lives in Hollywood, it was behind the In-N-Out on, in fuck, on Sunset. It's insane over there.

• 1:12:12Caleb Hammer?

  Why?

• 1:12:13Speaker 03

  It's just like homeless people and crackheads and like-

• 1:12:15Caleb Hammer?

  Why are you guys dealing with it? Why do you stay there? What the fuck is wrong with you?

• 1:12:19Speaker 03

  I love LA.

• 1:12:21Caleb Hammer?

  Oh, yeah, that sounded great.

• 1:12:23Speaker 03

  Yeah.

• 1:12:23Caleb Hammer?

  I love crackheads and homeless people.

• 1:12:24Speaker 03

  Hollywood. I don't like living in Hollywood. Or I never, I've never liked living in Hollywood. But anyways, so, um, basically, there was a homeless man sleeping outside of my apartment window.

• 1:12:35Caleb Hammer?

  And they did nothing.

• 1:12:36Speaker 03

  And the homeless man?

• 1:12:38Caleb Hammer?

  Or the? The city.

• 1:12:39Speaker 03

  No, they didn't do anything. There was-

• 1:12:41Caleb Hammer?

  What is wrong with, they're, they're, they're, they're just, they're like concluding civilization over there. They're just done.

• 1:12:46Speaker 03

  There's like not even bars on the window or anything. It was like insane. It was so scary. Like he could have just-

• 1:12:51Caleb Hammer?

  In normal places where we actually enforce laws do not need bars on our windows. I'm just gonna let you know. You don't really see bars on windows in Austin because-

• 1:12:59Speaker 03

  There's not that many homeless people.

• 1:13:01Caleb Hammer?

  There are homeless people downtown, but at least the, at least the state.

• 1:13:04Speaker 03

  But in downtown, are there not bars on the windows?

• 1:13:08Caleb Hammer?

  Rarely. It's like a sketchy bar, maybe.

• 1:13:12Speaker 03

  Okay, okay. Well, in LA, it's pretty common, um, because of the extreme homelessness.

• 1:13:16Caleb Hammer?

  Because they don't actually enforce laws, or, and they just allow anarchy left and right. Because those are very effective policies that have been proven to work over and over again in every city that's ever tried them.

• 1:13:26Speaker 03

  But anyways-

• 1:13:27Caleb Hammer?

  Yeah, I'd stay there. That sounds great.

• 1:13:28Speaker 03

  Yeah, so I, I broke my lease. Also, my mom was getting evicted, so I moved back in with her, um, because we were trying to move her-

• 1:13:35Caleb Hammer?

  So she was just in LA?

• 1:13:36Speaker 03

  This was a year ago. Look at it.

• 1:13:38Caleb Hammer?

  Your mom went to Vietnam a year ago? Moved back to Vietnam? Cause she could've- Why didn't you guys just move to like an actual place with opportunities and like, oh my gosh?

• 1:13:45Speaker 03

  Well, I don't want to move out of LA.

• 1:13:50Caleb Hammer?

  Lindsay escaped?

• 1:13:51Speaker 03

  Yeah, that's on her. I don't know. I like LA.

• 1:13:53Caleb Hammer?

  She loves the escape. Maybe she'll convince you that. Well, yeah, cause you're just getting 90-year-old dick for a thousand dollars a pop. It's kind of crazy. It's insane what they will pay for.

• 1:14:01Speaker 03

  Yeah. But anyways, so I, we had to move my mom to Vietnam, so-

• 1:14:06Caleb Hammer?

  When was the last time you ever took a penis that wasn't paid for?

• 1:14:09Speaker 03

  Um-

• 1:14:10Caleb Hammer?

  Your ex is not counting in this situation.

• 1:14:11Speaker 03

  Oh, okay. My ex doesn't count? Then like, I don't know, like four months ago, five months ago?

• 1:14:17Caleb Hammer?

  That's crazy.

• 1:14:18Speaker 03

  My, I dated my ex for three months. How's that crazy?

• 1:14:21Caleb Hammer?

  So there was two months of only paid for pee pee?

• 1:14:23Speaker 03

  I don't really like to have sex very often.

• 1:14:26Caleb Hammer?

  What? That goes against everything you have said. Of one, you said you're a crazy sexual person.

• 1:14:31Speaker 03

  Because-

• 1:14:32Caleb Hammer?

  And two, you said you, I love to have sex with people is what you said earlier.

• 1:14:35Speaker 03

  Yeah, I like the ideas, like I like the BDSM stuff, but I don't like to have sex very often is what I said.

• 1:14:42Caleb Hammer?

  Why?

• 1:14:43Speaker 03

  I don't know. I just don't get horny that often.

• 1:14:45Caleb Hammer?

  Oh, that's okay, I guess.

• 1:14:47Speaker 03

  Just like, okay, like when I want it, I'm like, oh yeah, let's go crazy. Let's go have an orgy. But when I don't want it, I'm like, I literally get careless.

• 1:14:55Caleb Hammer?

  So you just stop paying?

• 1:14:56Speaker 03

  I, no, I still pay on there. I mean, I'm paying like $200 a month. They offered me-

• 1:15:01Caleb Hammer?

  Is that your minimum?

• 1:15:02Speaker 03

  So I owe, no, there, there's no, it's not like a plan. It's just I kind of do it. But they, so I owe like 1,400 on there and they offered me to pay 700 to-

• 1:15:12Caleb Hammer?

  So 700 one time, then why do $200 a month indefinitely to 1,400 instead of just-

• 1:15:18Speaker 03

  They only just offered this to me, like right before I came over.

• 1:15:20Caleb Hammer?

  So $1,403.45, then this is the ultimate-

• 1:15:23Speaker 03

  If I pay 700, then this will just be-

• 1:15:27Caleb Hammer?

  700 or 750?

• 1:15:28Speaker 03

  700.

• 1:15:29Caleb Hammer?

  Okay, 700. So we'll put that in the notes as we go for, okay, you have a car, obviously car dependent, one of the most car dependent cities in the entire country, Los Angeles, even though they have a pretty extensive light rail system, they just don't actually, again, enforce any laws or disallow antisocial behavior on them. So who the would take those?

• 1:15:46Speaker 03

  Well, also they're like not in, they're like, the metro system only runs from downtown straight into Santa Monica.

• 1:15:55Caleb Hammer?

  Yes, it makes no sense.

• 1:15:56Speaker 03

  If you want to go anywhere else, you can.

• 1:15:57Caleb Hammer?

  They have an absolute shit system and then they just allow anyone on it and it gets crazy.

• 1:16:00Speaker 03

  And the buses are like, sometimes they just never show up to the bus stop.

• 1:16:02Caleb Hammer?

  Well, that and antisocial behavior. So why would you be on it anyway? $15,574.67.

• 1:16:11Caleb Hammer?

  Okay, that's substantial, especially for someone that doesn't really have an income. Now, a minimum payment now, three ninety-three. What's the interest rate on this? What is the car? I know it's Toyota something.

• 1:16:20Speaker 03

  It's a Corolla, a twenty twenty-one Corolla. Um, Lindsay and I tried to find the interest rate, but I couldn't. But what we did find out was that I-

• 1:16:29Caleb Hammer?

  Can't even see how much went to interest to even calculate it myself.

• 1:16:31Speaker 03

  Yeah, I don't know why. This is like the only statement that they had, but I mean, it's a billing statement, so obviously, but, um, the, I paid, so I did a seven thousand dollar down payment, which my dad gave to me.

• 1:16:43Caleb Hammer?

  Well, what do you think the car is worth?

• 1:16:45Speaker 03

  I think the, when I bought it, it was worth sixteen.

• 1:16:48Caleb Hammer?

  Now, now you're ten. Well, can my- Now you're ten? That's all I'm asking. I don't give a about that.

• 1:16:52Speaker 03

  I don't know, probably like fif- like fourteen.

• 1:16:55Caleb Hammer?

  Okay, it's worth twelve thousand eight hundred. So not only did you put seven thousand dollars down, you're still underwater.

• 1:17:00Speaker 03

  Yeah.

• 1:17:01Caleb Hammer?

  By a couple thousand bucks at a minimum, three.

• 1:17:03Speaker 03

  So I wanted to get a beater car. Originally, I had a two thousand and eight Prius, and, um, I had that one for a long time. I put like two thousand dollars into fixing it and stuff, so it lasted me around two years, but, um, it was already, it was like at two hundred and fifty thousand miles. By the time that I traded it in for this car, the odometer wasn't working anymore. Like the screen, I couldn't see how fast I was going or anything.

• 1:17:26Caleb Hammer?

  Doesn't matter. Either way, what was the purchase price of this car?

• 1:17:29Speaker 03

  It was fifteen hundred.

• 1:17:30Caleb Hammer?

  How much? No, you owe fifteen.

• 1:17:32Speaker 03

  No, it, the purchase price, like the sticker price was fifteen.

• 1:17:36Caleb Hammer?

  No, the entire amount at the end of the day.

• 1:17:38Speaker 03

  I buy cars very often, I'm sorry.

• 1:17:39Caleb Hammer?

  Cause how much did it cost, lady, to get this?

• 1:17:41Speaker 03

  I think the total was like twenty-five after everything.

• 1:17:44Caleb Hammer?

  Crazy. How much were you making at that point?

• 1:17:46Speaker 03

  The same amount.

• 1:17:46Caleb Hammer?

  And that's-

• 1:17:47Speaker 03

  And I was living in an apartment that was two thousand four hundred dollars.

• 1:17:50Caleb Hammer?

  How do you get paid? Where does the money come in when you suck dick?

• 1:17:53Speaker 03

  Uh, cash or cell.

• 1:17:57Caleb Hammer?

  Crazy.

• 1:18:00Caleb Hammer?

  Okay. What is this? I don't, I don't even know what this is. What am I looking at? This is a balance.

• 1:18:04Speaker 03

  Oh, that's for my, um, student loans.

• 1:18:07Caleb Hammer?

  So you do have student loans?

• 1:18:08Speaker 03

  I do, but-

• 1:18:09Caleb Hammer?

  For what?

• 1:18:10Speaker 03

  I, so my mom really wanted me to go to college.

• 1:18:13Caleb Hammer?

  Is this private student loans?

• 1:18:14Speaker 03

  I don't think so.

• 1:18:16Caleb Hammer?

  Well, it doesn't look like what a federal website would look like.

• 1:18:18Speaker 03

  Oh, it's typically, the website's called Cedar Business.

• 1:18:22Caleb Hammer?

  Well, it's probably private.

• 1:18:23Speaker 03

  Yeah, okay, well.

• 1:18:24Caleb Hammer?

  I've never heard of that.

• 1:18:26Speaker 03

  The student loans is because I started working my job like the summer after high school, like my first restaurant job, and I told my mom I was still gonna go to college. So she like enlisted me in orientation and also applied for this debt that I didn't know. And then it got sent straight into my account and I had no idea. Cause my dad also sent me money at the same time to like move into a new apartment. And so I had, I didn't know until later. I was like, I looked at my statement.

• 1:18:53Caleb Hammer?

  Orientation, that was it?

• 1:18:54Speaker 03

  Yep. And then I dropped out.

• 1:18:56Caleb Hammer?

  So, okay.

• 1:19:01Caleb Hammer?

  And then your mom, so why, why was she so pressed on this? I mean, she was getting evicted. Why, why is she getting involved in doing all this?

• 1:19:07Speaker 03

  Because she.

• 1:19:08Caleb Hammer?

  Signed you up for orientation, then she went back to Oriental.

• 1:19:11Speaker 03

  She, she was like, like, she just is like, oh, like you need to go to college. You're super smart, like you have really good grades, like you should go. And then I was like, I don't want to. And then like it was, I was, I was like the most successful one, like in school out of everyone in my family, even though they were.

• 1:19:31Caleb Hammer?

  Mother, she sucks penis for money.

• 1:19:33Speaker 03

  Yeah, I mean.

• 1:19:35Caleb Hammer?

  So.

• 1:19:36Speaker 03

  But.

• 1:19:36Caleb Hammer?

  Just gonna let you know.

• 1:19:37Speaker 03

  She doesn't know.

• 1:19:41Speaker 03

  Anyways, so, oh, yeah, so she, like, she was just like, oh, like, you know, you can achieve so much, like, and then she really wanted me to go and then she was like, she was so sad when I didn't go. She felt like a failure.

• 1:19:54Caleb Hammer?

  So you owe this?

• 1:19:56Speaker 03

  Yeah, I owe this. It's, the balance left is a thousand three hundred.

• 1:19:59Caleb Hammer?

  Oh, so what's the minimum to pay for it? So a thousand three hundred and seventeen dollars is what's left.

• 1:20:03Speaker 03

  I think the monthly payments are three hundred.

• 1:20:06Caleb Hammer?

  Gosh, the interest rate must be insane. Three hundred?

• 1:20:08Speaker 03

  They don't have any interest rate on it.

• 1:20:10Caleb Hammer?

  Well, three hundred, we pay this off in a couple of payments.

• 1:20:12Speaker 03

  Yeah, that's so I called them and I was like, hey, can you guys like give me a deal? Like if I pay like eight hundred or whatever, you can just clear it. And then they were like, no, but we'll set up a payment plan for like three hundred. And I was like, okay, but I.

• 1:20:23Caleb Hammer?

  Obviously that pays it off quicker.

• 1:20:25Speaker 03

  I know, but I know, and I was.

• 1:20:26Caleb Hammer?

  But now it's a required payment.

• 1:20:28Speaker 03

  No, it's literally not. I haven't paid it. They've never charged first on it.

• 1:20:34Speaker 03

  I've paid-

• 1:20:35Caleb Hammer?

  Is that all your debt?

• 1:20:37Speaker 03

  Oh, I owe a thousand dollars to my sister.

• 1:20:39Caleb Hammer?

  For what?

• 1:20:40Speaker 03

  She just gave me money. I've got-

• 1:20:42Caleb Hammer?

  For why and when though?

• 1:20:43Speaker 03

  I got sick and I took time off work, so she helped me pay for-

• 1:20:46Caleb Hammer?

  You didn't have sick time? We know you did. You're on it now.

• 1:20:49Speaker 03

  Yeah, at the time I didn't. I used it because it was like the previous work year.

• 1:20:54Caleb Hammer?

  Of course you pay for a crunchy roll.

• 1:20:56Speaker 03

  Not anymore. My ex pays for it now. He gave me his crunchy roll.

• 1:21:00Caleb Hammer?

  Okay, you spent eight thousand four hundred and ninety-four dollars last month.

• 1:21:05Speaker 03

  Yeah. Three thousand dollars was like-

• 1:21:07Caleb Hammer?

  Thousand hours in your checking account. You started with a hundred.

• 1:21:13Caleb Hammer?

  Yeah, it's payroll, payroll. Okay, day and night liquor, there she goes again, just puffing it up. KFC. Oh, something very Asian. I don't even know.

• 1:21:23Speaker 03

  What?

• 1:21:23Caleb Hammer?

  Likely some kind of restaurant. Starbucks? Sancho Blade?

• 1:21:26Speaker 03

  Oh, Sancho Blade is my knife. Oh, well, that's-

• 1:21:29Caleb Hammer?

  What? I thought that was on the other.

• 1:21:30Speaker 03

  That's, uh-

• 1:21:31Caleb Hammer?

  Are you getting knives constantly?

• 1:21:32Speaker 03

  I bought, no, that was all from the same place. I bought them in Vietnam, but I bought some for my coworkers too, and they paid me back for it. So those are like void.

• 1:21:40Caleb Hammer?

  Okay, and another. Payo nanjung ye hwan.

• 1:21:46Speaker 03

  I don't know what that means.

• 1:21:49Caleb Hammer?

  Weo gasto el hojim man?

• 1:21:51Speaker 03

  Okay.

• 1:21:52Caleb Hammer?

  Kwaeben jigo hojim man? Ralphs.

• 1:21:56Speaker 03

  Is this a hate crime?

• 1:21:58Caleb Hammer?

  I hope so. Ross Stores, day and night liquor.

• 1:22:03Speaker 03

  Ross, okay, wait, wait. Also Ross is all, I only buy things for my pets from there. Like, I buy-

• 1:22:07Caleb Hammer?

  Taco Bell, and then more? Dude, you're puffing everything.

• 1:22:11Speaker 03

  What did I-

• 1:22:12Caleb Hammer?

  Opietone? I know.

• 1:22:13Speaker 03

  Opretone? Oh, that's like-

• 1:22:15Caleb Hammer?

  Smoking opium?

• 1:22:16Speaker 03

  No, no, no. That was like an app where like they would just take money out of your account and then like have a savings account, so that-

• 1:22:24Caleb Hammer?

  You don't have money.

• 1:22:25Speaker 03

  I know, so I just, I deleted it.

• 1:22:27Caleb Hammer?

  I'd rather I start the third opium war instead of you fucking just sending money away that you don't have.

• 1:22:31Speaker 03

  No, but it's like you can take it out after.

• 1:22:33Caleb Hammer?

  Yeah, which I'm sure you have to.

• 1:22:35Speaker 03

  I, yeah, I do.

• 1:22:35Caleb Hammer?

  Zellin, zellin. You should be getting zelled in for the sugar.

• 1:22:40Speaker 03

  I did. There should be some selling in.

• 1:22:42Caleb Hammer?

  And this accounts a thousand five. This is money out, out, out.

• 1:22:47Caleb Hammer?

  Dude puffing it up puffing it up Tik Tok shop Tik Tok shop puffing it up you spend so much how much you spend puffing it up

• 1:22:53Speaker 03

  wait what's what's the puffing it up

• 1:22:55Caleb Hammer?

  day and night liquor you said you only do weed

• 1:22:57Speaker 03

  yeah but I buy like those are like energy drinks and snacks

• 1:23:01Caleb Hammer?

  so it's worse puffer energy puffer energy Tik Tok shop Tik Tok shop puffer energy Ubi puffer energy apple fountain valve pet smart puffing it up or energy puffing or energy Uber Uber zell zell zell zell Jameson Irish pub Jameson Irish pub day and night puffing it up Amazon city of Santa Monica Amazon Netflix Starbucks withdraw withdraw who knows where the that went zell it on money oh here we go keeps going withdraw Apple bill Apple bowl withdraw withdraw who knows where the that went the that went bard

• 1:23:35Caleb Hammer?

  way young take withdraw who knows who knows

• 1:23:40Speaker 03

  I think the withdrawals

• 1:23:43Speaker 03

  the withdrawals are

• 1:23:45Caleb Hammer?

  Irish pub Jameson

• 1:23:46Speaker 03

  from Vietnam

• 1:23:49Speaker 03

  that's what it was I know

• 1:23:51Caleb Hammer?

  for what

• 1:23:51Speaker 03

  I I give $300 to my mom every month for living

• 1:23:55Caleb Hammer?

  yeah but you're doing that every five seconds

• 1:23:57Speaker 03

  and then the rest of it was like other shopping expenses

• 1:23:59Caleb Hammer?

  Irish pub Irish pub puffer energy puffer energy Waymo I thought they stopped those in LA after they just burned them down constantly for no reason

• 1:24:07Speaker 03

  no

• 1:24:08Caleb Hammer?

  puffer Waymo or puffer energy city Santa Monica city Santa Monica apple Target Sydney Santa Monica apple Santa Monica what the fuck are you doing just parking or something

• 1:24:18Speaker 03

  yeah it's the parking behind my work

• 1:24:20Caleb Hammer?

  behind your work puffin or energy drink not no bar okay

• 1:24:27Speaker 03

  pretty good bar

• 1:24:27Caleb Hammer?

  zolling it out Sally Beauty puffin or energy drink what a joke international fees galore my gosh $65 in fact crazy

• 1:24:37Speaker 03

  damn I was

• 1:24:37Caleb Hammer?

  for

• 1:24:39Caleb Hammer?

  one and Sanjo blade

• 1:24:44Speaker 03

  More knives.

• 1:24:44Caleb Hammer?

  Blade sounds more Japanese. Oh, it sounds so Blade.

• 1:24:47Speaker 03

  Yes, he actually is from Japan.

• 1:24:49Caleb Hammer?

  I know my racism, ladies and gentlemen.

• 1:24:51Speaker 03

  Good job.

• 1:24:52Caleb Hammer?

  If I'm gonna be racist, it's gonna be informed racist.

• 1:24:54Speaker 03

  This doesn't look like the jungle Asian. This is definitely Japanese.

• 1:25:00Caleb Hammer?

  Are you being racist right now?

• 1:25:01Speaker 03

  Oh.

• 1:25:02Caleb Hammer?

  That's not cool.

• 1:25:02Speaker 03

  I'm the racist. I am jungle Asian.

• 1:25:05Caleb Hammer?

  Cause I can be racist in Austin and everyone will laugh.

• 1:25:07Speaker 03

  But you're white.

• 1:25:09Caleb Hammer?

  Exactly, which makes it even more fun.

• 1:25:11Speaker 03

  Yeah.

• 1:25:11Caleb Hammer?

  And then you'll be racist in LA and people will destroy your career.

• 1:25:14Speaker 03

  That's not, I'm racist all the time. My coworkers call me a walking HR violation, which is true. I'm sure that you've established.

• 1:25:21Caleb Hammer?

  Yeah, you're probably taking dick in the freezer for money.

• 1:25:25Speaker 03

  I'm not. I've only.

• 1:25:25Caleb Hammer?

  You've never at work.

• 1:25:27Speaker 03

  Like, like physically at work? No.

• 1:25:30Caleb Hammer?

  Bullshit. Come on, everyone in the food industry has.

• 1:25:32Speaker 03

  I've never at work. No, I really care deeply about my job. In the parking lot, yeah, of course.

• 1:25:37Caleb Hammer?

  There it is.

• 1:25:38Speaker 03

  Who the fuck cares what happens in the parking lot? Suck dick in the parking lot.

• 1:25:42Caleb Hammer?

  Really?

• 1:25:43Speaker 03

  I sucked dick in the parking lot at my high school.

• 1:25:46Caleb Hammer?

  Hopefully while in high school?

• 1:25:48Speaker 03

  Yes, while in high school.

• 1:25:49Caleb Hammer?

  Well, that's good. Hopefully other high schoolers?

• 1:25:52Speaker 03

  My ex-boyfriend that was three years older than me, but he was still in high school.

• 1:25:55Caleb Hammer?

  Okay, then, okay, as long as he's not coming back from college and sucking.

• 1:25:59Speaker 03

  Hey, let's go to our old high school and fuck it. That'd be crazy.

• 1:26:04Caleb Hammer?

  Yeah, that would be crazy. Okay, let's see if I can budget this shit. Minimum payment, make of America, sixty-eight, credit one sixty, Alta, thirty-seven, twenty-five for Quicksilver. Um, the apartment, no minimum payment, we're just gonna try to pay that, uh, seven hundred out of the gate. Three ninety-seven for our Toyota. Of course, he didn't buy American. Three hundred dollars for your student loans.

• 1:26:28Speaker 03

  Wanted me to get a newer car.

• 1:26:30Caleb Hammer?

  I'm joking. I don't care. Toyota's a great.

• 1:26:32Speaker 03

  Oh, okay. You're, you're not upset by my car purchase?

• 1:26:34Caleb Hammer?

  Uh, it was, it was too much. It was too much. Listen, if you ever decide to stop sucking dick for money and you actually want a real career, I'll give you a course career certification.

• 1:26:42Speaker 03

  I have a real career.

• 1:26:45Caleb Hammer?

  I'll get you a course career certificate. Yeah, but one where, you know, if this passing out thing like, I'll get you one. People in the audience have used it and they've amplified their income and got better jobs.

• 1:26:53Speaker 03

  I like, if I can't cook, I'm literally gonna.

• 1:26:55Caleb Hammer?

  Well, you can cook for yourself. Eight debt minimum three payments, eight eighty-three. Your income, what do we put?

• 1:27:03Speaker 03

  I think.

• 1:27:03Caleb Hammer?

  And I am not gonna put in prostitution income. I really can't because I can't support that.

• 1:27:07Speaker 03

  Four thousand.

• 1:27:08Caleb Hammer?

  What's it really gonna be?

• 1:27:10Speaker 03

  Well, like that would be what I'm making.

• 1:27:12Caleb Hammer?

  Come on, you're putting in the grind. What are you, what's coming in?

• 1:27:16Speaker 03

  Like, like, I would say like five thousand since I'm on, I don't have my job right now.

• 1:27:23Caleb Hammer?

  Oh, five thousand total?

• 1:27:24Speaker 03

  Yeah.

• 1:27:25Caleb Hammer?

  So up from four? Okay. Listen, I don't, what's your rent, your portion?

• 1:27:28Speaker 03

  Eight, uh, fif- sixteen, sixteen.

• 1:27:30Caleb Hammer?

  And utilities?

• 1:27:32Speaker 03

  Um, our internet bill, I pay twenty-five a month and yeah.

• 1:27:37Caleb Hammer?

  Okay.

• 1:27:37Speaker 03

  It's forty dollars total. Um, and then I pay thirty-three for my water and in energy.

• 1:27:45Speaker 06

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• 1:28:10Caleb Hammer?

  Okay, what's your phone bill?

• 1:28:12Speaker 03

  Um, I, my, my, I'm on my family sick plan.

• 1:28:15Caleb Hammer?

  Of course. There's no reason for you to be struggling. Gas, vroom, vroom, drive, drive, LA.

• 1:28:19Speaker 03

  Two hundred.

• 1:28:20Caleb Hammer?

  Well, it's not as bad as I thought. Car insurance?

• 1:28:23Speaker 03

  Um, eighty-three dollars. I'm on a, a, like a low income insurance.

• 1:28:29Caleb Hammer?

  That's subsidized? We're subsidizing you? Oh my gosh, I hate how they do things over there. They're so stupid. They're so stupid.

• 1:28:36Speaker 03

  But it's only for.

• 1:28:37Caleb Hammer?

  I wanna support people that are struggling, but you're like, you're, it's your, everything's your choices.

• 1:28:42Speaker 03

  It's.

• 1:28:42Caleb Hammer?

  And we're just enabling it. It's so stupid. Three hundred for groceries. Let's call it three fifty. LA a little more expensive.

• 1:28:48Speaker 03

  I forgot to tell you, uh, my ex bought me factor meals, so I get six meals a week now.

• 1:28:53Caleb Hammer?

  Okay, then I'm gonna bring it down to 250. TP fund, anything else you need to survive? This is birth control and

• 1:28:59Speaker 03

  That is, a hundred dollars is not gonna get me anywhere in LA.

• 1:29:03Caleb Hammer?

  Hundred, it's the TP fund, anything else you need to survive?

• 1:29:05Speaker 03

  Exactly, it needs to be way more than that.

• 1:29:07Caleb Hammer?

  No, anything else outside of what we're budgeting. So I'm putting, I'm budgeting in the things. This is anything else you need to survive. It's kind of flexible. Uh, medical healthcare, do you have copays on a monthly basis for things you need?

• 1:29:17Speaker 03

  Um, well, my insurance right now is 283.

• 1:29:20Caleb Hammer?

  Oh, you have to pay that, okay, yeah, okay.

• 1:29:22Speaker 03

  So yeah, I'm on medical power, but I actually pay the full.

• 1:29:25Caleb Hammer?

  Do you have pet insurance for these dogs and cats? How much?

• 1:29:27Speaker 03

  I would say it's about 250.

• 1:29:29Caleb Hammer?

  Yeah, it's chunky. Cat, uh, pet food?

• 1:29:31Speaker 03

  Um, I spend like two

• 1:29:34Caleb Hammer?

  And litter.

• 1:29:34Speaker 03

  300, I would say.

• 1:29:36Caleb Hammer?

  Okay, oh.

• 1:29:38Speaker 03

  I'm currently

• 1:29:39Caleb Hammer?

  Yeah, you can't afford these pets.

• 1:29:40Speaker 03

  Currently expecting like a thousand dollars a month on my pets. Like, that's what I budget for, budget.

• 1:29:45Caleb Hammer?

  Better get sucking. Not really, you really shouldn't. I don't like you being prostitute, really don't.

• 1:29:50Speaker 03

  I know.

• 1:29:50Caleb Hammer?

  It's not good. I want you to

• 1:29:54Caleb Hammer?

  Not for money. Like, I highly encourage fucking.

• 1:29:57Speaker 03

  Also, sometimes you get, you get paid to have like really good sex and then it's like, well, whatever.

• 1:30:02Caleb Hammer?

  No, it's just, it's illegal and, uh, it's not great. Cause right now, I mean, yeah, if you make 4,000 hours a month, not even taking anything else, what you need to survive minimum is 4,037. So you're already, like, you have to suck dick to survive. And I don't like that. That's not a position anyone should be in. So I don't know what we're doing. And honestly, if you're on disability, it's gonna be even less than this, cause what was it, like 3,000 a month or something?

• 1:30:24Speaker 03

  Yeah.

• 1:30:24Caleb Hammer?

  So, like, you'll be underwater by a thousand. Um. I mean, obviously, any extra money that comes in, I would rather you go pick up a second job or something, or figure out a new career path, bring in 5,000 a month, being able to put a thousand towards the debt and paying off all debt within a couple of years, that's fine. However you choose to bring in money as an adult, I do not care. I'm not going to enable and support it. But if you can put a thousand dollars to debt towards a month, you can pay this off in a couple of years, then do a fully funded emergency fund and you'll be fine.

• 1:30:54Speaker 03

  Should I do an emergency fund before I pay off my debt?

• 1:30:56Caleb Hammer?

  One, one month.

• 1:30:58Speaker 03

  So what, what's one month, like 4,000?

• 1:31:00Caleb Hammer?

  4,000.

• 1:31:02Speaker 03

  Okay.

• 1:31:02Caleb Hammer?

  Yeah, cuz your expenses are crazy and your dog expenses and pet expenses are crazy and your debt expenses are crazy. So.

• 1:31:09Speaker 03

  And one of my dog is 14, so she doesn't have pet insurance.

• 1:31:12Caleb Hammer?

  Listen, that's what I would do cuz that's what you need to do to survive. I just, I don't know, and you have a weird situation that I'm not 100% comfortable with, so it's just like, whatever. You know, you can pay it off in two years if you bring in an extra thousand bucks.

• 1:31:26Speaker 03

  Two years? That's it?

• 1:31:27Caleb Hammer?

  If you bring in an extra thousand, bring in an extra two and you pay it off in a year.

• 1:31:30Speaker 03

  Okay, I can do that.

• 1:31:31Caleb Hammer?

  Yeah, okay, listen, Hammer Financial Score, we're gonna go into the post-show, I guess there's this

• 1:31:39Caleb Hammer?

  crazy, first of all, there's a lot, we're gonna look into the drama, we're gonna look into the drama with her ex. We're gonna go into some drama with her mom, we're gonna go into, I guess, some drama with the utility companies. Okay, it's gonna be a crazy post-show, let's get our Hammer Financial Score, though. She overspent, zero out of 10.

• 1:31:57Speaker 03

  Wait, can I ask you a question?

• 1:31:59Caleb Hammer?

  I'm doing your score, debt?

• 1:32:02Caleb Hammer?

  You're not paying on things, but there's no technical collections, one out of 10.

• 1:32:05Speaker 03

  Is this a collection?

• 1:32:06Caleb Hammer?

  What? Second, you fuck! Urgency fund, there is about a thousand bucks, one out of 10. Retirement, was there anything?

• 1:32:12Speaker 03

  That's my question, I don't know how to access a 401K.

• 1:32:15Caleb Hammer?

  How much is in there?

• 1:32:16Speaker 03

  I don't know.

• 1:32:16Caleb Hammer?

  I'll say one out of 10.

• 1:32:17Speaker 03

  Okay.

• 1:32:18Caleb Hammer?

  Real estate, zero.

• 1:32:22Caleb Hammer?

  Hammer Financial Score barely just rounded to one out of 10, that's being generous, it's probably close to a .5. Uh, get yours at CalebHammer.com, what's your question?

• 1:32:30Speaker 03

  That was my question, how do I access my 401K?

• 1:32:33Caleb Hammer?

  It's gonna be a good one.

• 1:32:34Speaker 03

  I just did not pay my water bill.

• 1:32:36Caleb Hammer?

  Why the [bleep] are you not paying your damn water bill? Why aren't you doing anything? Not paying your rent, not paying your student, not paying any [bleep] thing? Now you're not even paying utilities? They should shut them off. They should shut off your utilities.

• 1:32:46Speaker 03

  They don't [bleep] you.

• 1:32:47Caleb Hammer?

  They should. LA is enabling you.

• 1:33:03Speaker 04

  See description for more details.

• 1:33:06Speaker 07

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