Okay, I Think I’m Done… | Financial Audit

▶She's out there BEEFING with NFL players and famous streamers... WTF IS THIS LADY- you need to watch the post show- watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Try Rocket Money for free: https://RocketMoney.com/caleb Visit https://get.step.com/rM7X/caleb and sign up using the code “CALEB” for $5 free in your account upon opening. #StepPartner Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *15% off* https://calebhammer.com/classpack/ 2. *The best budgeting program online: https://calebhammer.com/budget 3. Get my investing class and I’ll give you a $100 towards investing: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:55Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. What the [bleep] do you need for me to be able to have this conversation with you?

• 1:01Speaker 03

  If I had your birth card in front of me, I could read you the filth, but right now I don't.

• 1:05Caleb Hammer?

  You scam people out of money. You're a scammer. I'm gonna call it as I see it.

• 1:08Speaker 03

  Absolutely not.

• 1:09Caleb Hammer?

  I don't give a [bleep]. Obviously, you're a complete [bleep] up.

• 1:12Speaker 03

  I am not a [bleep] up. And how dare you tell me that I'm a [bleep] up?

• 1:15Caleb Hammer?

  You called your own agency a Ponzi scheme.

• 1:20Caleb Hammer?

  Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of Premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

• 1:34Speaker 03

  My name is Star. I'm 40 years old. I'm from Phoenix, Arizona, and this is Financial Audit.

• 1:41Caleb Hammer?

  Want to do it again?

• 1:41Speaker 03

  Yeah.

• 1:42Caleb Hammer?

  Go for it.

• 1:43Speaker 03

  This is, uh...

• 1:48Speaker 03

  God, why am I having like a brain fart right now? My bad. I'm so sorry.

• 1:52Caleb Hammer?

  You know what? We'll just leave that and we'll start. That's okay. Thanks for coming. I appreciate it. That's, uh... Have a good start. What do you do in Arizona for a living?

• 2:03Speaker 03

  I am a social media manager.

• 2:08Caleb Hammer?

  Okay, short and sweet, to the point. In what kind of industry do you want to give anything?

• 2:14Speaker 03

  On TikTok.

• 2:17Caleb Hammer?

  For a company or for yourself?

• 2:19Speaker 03

  For an agency.

• 2:21Caleb Hammer?

  Okay, well, these are gonna be very period answers, I can tell.

• 2:26Speaker 03

  Period!

• 2:27Caleb Hammer?

  Okay, what are you making?

• 2:29Speaker 03

  Um, it varies. I'm on commission.

• 2:31Caleb Hammer?

  What's the commission structure? How do you make commission? That's what how people would normally answer a question like that?

• 2:35Speaker 03

  So it depends on how well my creators do. So if there's a threshold.

• 2:42Caleb Hammer?

  So do you create shorts for creators?

• 2:44Speaker 03

  No, I, they're live streamers.

• 2:47Caleb Hammer?

  Okay.

• 2:47Speaker 03

  So based on how well they do, that's what my take home is.

• 2:52Caleb Hammer?

  How do you help them do better?

• 2:54Speaker 03

  So I make sure they're in the community guidelines if they get suspended.

• 3:00Speaker 03

  You'll be surprised.

• 3:02Caleb Hammer?

  Well, I do kind of do this for a living. Go ahead, keep going.

• 3:06Speaker 03

  Um, put them in campaigns, encourage them to get over the the roadblocks, um, things like that.

• 3:12Caleb Hammer?

  Roadblocks?

• 3:13Speaker 03

  Yeah, some of them get burnt out being live streamers.

• 3:17Caleb Hammer?

  Wow, I wish I had your job. Okay, how much do you make? No offense, but that's an easy job.

• 3:23Speaker 03

  I make 3%.

• 3:25Caleb Hammer?

  Of their earnings?

• 3:26Speaker 03

  Yeah.

• 3:27Caleb Hammer?

  Or of the earnings that the agency takes from them?

• 3:29Speaker 03

  Mm-hmm.

• 3:30Caleb Hammer?

  Which one?

• 3:32Speaker 03

  3%.

• 3:35Caleb Hammer?

  Of the creators' earnings or of the percentage that the agency takes?

• 3:39Speaker 03

  So TikTok takes automatically 50%.

• 3:43Caleb Hammer?

  Are you saying you work for TikTok?

• 3:45Speaker 03

  No, I work for an agency through TikTok.

• 3:49Caleb Hammer?

  Do you take 3% of what the agency takes? Or do you take 3% of what the creator makes after TikTok's cut?

• 3:56Speaker 03

  I make 3% after what TikTok pays the agency.

• 4:04Caleb Hammer?

  Okay.

• 4:07Caleb Hammer?

  Well, that was complicated to get to.

• 4:11Caleb Hammer?

  The usual 30-second opener has arrived a few minutes later. Thank you, I appreciate it. So what hits your account? Monthly average, monthly average, what hits your account?

• 4:21Speaker 03

  Um, hmm, maybe 1,200, 1,500, 1,600.

• 4:30Caleb Hammer?

  Okay, regardless of the hundred, from 12 to 15, how the are you surviving? How the, how the possible are you at 40? How are you surviving off of that? You can't be surviving off of that. What is happening? Because there's no way you're surviving off of that.

• 4:46Speaker 03

  Barely, yes, I am though.

• 4:50Caleb Hammer?

  No, I, well, first of all, you're on the show, so no.

• 4:55Speaker 03

  I know.

• 4:57Caleb Hammer?

  Is that your only income source?

• 4:59Speaker 03

  No.

• 4:59Caleb Hammer?

  Please, some of this is, thank you. Okay. Again, usually when I ask, what do you do for a job? You would have said what this other thing is. I'll help you along.

• 5:09Caleb Hammer?

  What else do you do?

• 5:11Speaker 03

  Um, well, I do, um, other jobs on the side.

• 5:23Caleb Hammer?

  What the is happening? What the is happening? What are they?

• 5:30Speaker 03

  Well, it just depends what the need is. Some people want their charts read. Some people want oils made.

• 5:37Caleb Hammer?

  You go into the hospital and just read off the chart.

• 5:41Speaker 03

  No, they're, they're Zodiac charts. They're birth charts.

• 5:46Caleb Hammer?

  For fuck's sake. All right. I think I understand who I'm talking to. Yeah. What else do people want?

• 5:55Speaker 03

  Um, sometimes they just need a little bit extra coaching.

• 6:02Caleb Hammer?

  Coaching?

• 6:03Speaker 03

  Coaching.

• 6:03Caleb Hammer?

  What does coaching mean?

• 6:05Speaker 03

  Um, it just depends.

• 6:06Caleb Hammer?

  I've had a spiritual coach on here. We all learned what she actually did afterwards.

• 6:11Speaker 03

  Well, I don't, that has nothing to do with me. We're talking about me.

• 6:15Caleb Hammer?

  Well, I'm asking.

• 6:16Speaker 03

  I know what I do and I get people through their roadblocks.

• 6:19Caleb Hammer?

  I would love you to be able to tell me what you do though.

• 6:22Speaker 03

  That's what I do.

• 6:25Caleb Hammer?

  What?

• 6:26Speaker 03

  I talk to people through their roadblocks.

• 6:31Caleb Hammer?

  Roadblocks in anything?

• 6:32Speaker 03

  Yeah.

• 6:33Caleb Hammer?

  Okay. My current roadblock is having a conversation with you. Can you help me?

• 6:37Speaker 03

  I'm trying to.

• 6:42Caleb Hammer?

  So that's the results that people pay for is I'm trying to-

• 6:46Speaker 03

  Well, I don't have your birth chart in front of me. If I had your birth chart in front of me, I could read you to filth, but right now I don't.

• 6:51Caleb Hammer?

  Read me to filth? How do I give you my birth chart so I can have a [bleep] conversation with you, apparently?

• 6:57Speaker 03

  You pull it up.

• 6:59Caleb Hammer?

  I don't have a birth chart. What the [bleep]? You think I'm carrying around a [bleep] birth chart?

• 7:04Speaker 03

  Yes.

• 7:05Caleb Hammer?

  No, cuz I'm a normal-ish, but actually, I'm not normal.

• 7:09Speaker 03

  No, you're not, not at all.

• 7:10Caleb Hammer?

  Trust me, I'm not that part of weird.

• 7:14Caleb Hammer?

  Dude, I literally just wanna know how much money hits your account and I can't- Okay, they want you to give me your- What the [bleep] do you need for me to be able to have this conversation with you?

• 7:25Speaker 03

  I'm telling you what I do.

• 7:29Caleb Hammer?

  I don't think she could make it. I don't think she can make it. I don't think we're making it to the end of this one, ladies and gentlemen.

• 7:36Speaker 03

  We gonna make it.

• 7:39Speaker 03

  Let's go.

• 7:41Caleb Hammer?

  What do you need from me to have this birth chart? Which is a requirement for you to tell me how much money you make on average on a monthly basis?

• 7:50Speaker 03

  That's what I make. I told you. I answered your question.

• 7:54Caleb Hammer?

  Saying she can't answer.

• 7:59Speaker 03

  Stop being a baby.

• 8:00Caleb Hammer?

  I'm wasting my time. I'm not.

• 8:02Speaker 03

  You're throwing tantrums for no reason and I just told you.

• 8:05Caleb Hammer?

  No, you're literally not answering my questions. I'm asking, what do you need from me for this birth chart? Cuz you said you need the birth chart for you to give me the number.

• 8:13Speaker 03

  Yeah.

• 8:14Caleb Hammer?

  So, so what the [bleep] do you need from me?

• 8:16Speaker 03

  Pull it up!

• 8:17Caleb Hammer?

  No, what? They said, I don't know what it is. Tell me what you need.

• 8:21Speaker 03

  Go to the website and pull it up.

• 8:22Caleb Hammer?

  What is the website?

• 8:25Caleb Hammer?

  W.com, W.W.W. Gimme a noose.com? Like, what?

• 8:30Speaker 03

  Not a noose. What's wrong with you? Go touch grass for a second.

• 8:37Caleb Hammer?

  Yes, clearly, I'm the one that needs to.

• 8:40Speaker 03

  Yeah.

• 8:41Caleb Hammer?

  Go to the website. That is not usually the helpful-

• 8:44Speaker 03

  Ask your seek.com.

• 8:46Caleb Hammer?

  Oh, okay. Oh, we got, okay, let's see. We're seven minutes in and I got one answer, ladies and gentlemen.

• 8:54Caleb Hammer?

  What the [bleep] is that? Okay, go ahead. Type in the website.

• 9:01Speaker 03

  It doesn't even work on your computer.

• 9:03Caleb Hammer?

  It's a computer connected to very good internet, so I... Is this website make-believe in your brain?

• 9:11Speaker 03

  Not this make-believe in my brain.

• 9:13Caleb Hammer?

  I apologize, ladies and gentlemen. If this is uploaded, we will get to the finances. I apologize. Apparently, I'm gonna be dragging or screaming and kicking until we get there. Except I'm the one screaming and kicking.

• 9:27Caleb Hammer?

  Okay, you got a typo?

• 9:29Speaker 03

  Yes.

• 9:31Caleb Hammer?

  Yeah.

• 9:36Caleb Hammer?

  It's requiring me to create a free account.

• 9:39Speaker 03

  No, why? No, you just go to birth chart and put in your information. It should be use... That's a user error.

• 9:47Caleb Hammer?

  I don't think it is.

• 9:48Speaker 03

  That is not... That's a you issue.

• 9:52Caleb Hammer?

  Okay. This one may have been a me issue.

• 9:59Caleb Hammer?

  Listen, there's a big start button. But, I guess...

• 10:07Caleb Hammer?

  Time? I don't know the fucking time!

• 10:09Speaker 03

  You don't know what time you were born?

• 10:11Caleb Hammer?

  How important is it for me to know the time?

• 10:12Speaker 03

  You need to.

• 10:18Speaker 03

  Yeah, get on the phone with your mama.

• 10:19Caleb Hammer?

  Call mom mobile.

• 10:21Speaker 03

  Yeah.

• 10:25Caleb Hammer?

  We have a question. We're filming right now, but we have a question. I need an... Dad did not know. He guessed 6:00 or 7:00 a.m., but let's see what you say. What time was I born?

• 10:36Speaker 03

  Oh my goodness.

• 10:37Caleb Hammer?

  Oh, mom, please. We need this.

• 10:40Speaker 04

  I mean, if you can wait a second, I can look at your birth certificate and tell you.

• 10:44Caleb Hammer?

  You have it?

• 10:45Speaker 04

  Like, probably. I'm sure I do.

• 10:48Caleb Hammer?

  Uh, well, you can wait a second.

• 10:50Speaker 04

  Okay. I just...

• 10:52Caleb Hammer?

  I think I have it, though.

• 10:55Speaker 04

  Oh, well, then you need to look.

• 10:57Caleb Hammer?

  Unless I have, like, a copy from you.

• 11:00Speaker 04

  Possibly. I'm feeling like it was pretty early, though. I know it was... You're my first in labor for like 16 hours with you. So, gosh. I know that's probably not helping you. Hold on, I'm trying to look.

• 11:17Speaker 03

  Are you actually recording right this second?

• 11:20Caleb Hammer?

  Oh, yeah.

• 11:21Speaker 03

  People are hearing this?

• 11:22Caleb Hammer?

  Oh, yeah.

• 11:24Speaker 03

  Awesome. Well, I'm doing my best. I will see what I can find here for you. February fourteenth, nineteen ninety-five, born at four fifteen P. M.

• 11:35Caleb Hammer?

  He was, he was completely wrong. He was off by like twelve hours.

• 11:40Speaker 03

  Yeah. Well, I was gonna say morning, too, so I was wrong. Sorry.

• 11:44Caleb Hammer?

  Four, you said four fifteen?

• 11:46Speaker 03

  P. M.

• 11:47Caleb Hammer?

  Four fifteen P. M. Okay, four fifteen. Awesome, awesome, awesome. All right. Thank you. Thank you.

• 11:56Speaker 03

  You're welcome. Hi.

• 11:57Caleb Hammer?

  Love you. Bye.

• 11:58Speaker 03

  Love you, too. Bye.

• 12:03Caleb Hammer?

  I don't know how far we are into the recording for you guys, but we have been here for sixteen minutes. And now with this, we will actually be able to get a potential answer.

• 12:14Caleb Hammer?

  Do you need to see it?

• 12:16Speaker 03

  Do you want me to?

• 12:19Caleb Hammer?

  For sake, please. Please help me here.

• 12:27Speaker 03

  So you have a stellium in Capricorn, which makes a lot of sense. Since you are the financial guru.

• 12:37Speaker 03

  And you have, um.

• 12:42Speaker 03

  You also have, your moon is in Leo.

• 12:46Caleb Hammer?

  You're just reading what the thing like?

• 12:49Speaker 03

  I'm reading the chart right here.

• 12:51Caleb Hammer?

  You're reading the chart or you're reading what like the bullet points are?

• 12:53Speaker 03

  Um, do you see where I'm pointing?

• 12:55Caleb Hammer?

  Keep going, keep going, keep going. Okay, my moon is in in Cancer or something. Okay.

• 13:00Speaker 03

  No, it's in Leo.

• 13:01Caleb Hammer?

  Sure.

• 13:03Speaker 03

  And your Mars is retrograde in Leo as well. So you.

• 13:09Caleb Hammer?

  Please do what you need to be able to answer my question, because you needed to know my star, star, star chart.

• 13:14Speaker 03

  You see, I, this is what I do. I answered your question.

• 13:18Caleb Hammer?

  That is the most you've talked in sixteen minutes right there. So you have to keep going.

• 13:22Speaker 03

  I read people's charts for them. I write up a report. And I send it to them. They pay me for that.

• 13:28Caleb Hammer?

  I just need you to be able to answer my questions. You said you needed to see my star chart to be able to answer my questions.

• 13:33Speaker 03

  For an example.

• 13:34Caleb Hammer?

  So you see my star chart. Are you good?

• 13:36Speaker 03

  Yes.

• 13:36Caleb Hammer?

  Are you able to move forward?

• 13:38Speaker 03

  Yeah.

• 13:39Caleb Hammer?

  All right, that's a soft yeah.

• 13:42Speaker 03

  Oh.

• 13:46Caleb Hammer?

  What was that reaction?

• 13:48Speaker 03

  That makes sense.

• 13:52Caleb Hammer?

  How much is your account across all things? Cause we know it's the 12 to 1500 for that bull job, the easiest job in the world. Come on, it's the easiest fucking job in the world. Hey, don't say the N word. There you go. You're not getting banned on Tik Tok. Boom, 1200 bucks. Great. How much do you make across all income sources?

• 14:17Caleb Hammer?

  That means more than just one

• 14:20Caleb Hammer?

  on a monthly basis that hits your account.

• 14:23Speaker 03

  Um, maybe about 2000.

• 14:30Caleb Hammer?

  Okay. So that goes back to my original point. How the are you surviving? Cause you're definitely not off of 2000.

• 14:39Speaker 03

  I just am, I don't know.

• 14:42Caleb Hammer?

  You're definitely not.

• 14:46Caleb Hammer?

  They're saying you started your own company?

• 14:48Speaker 03

  Yes.

• 14:49Caleb Hammer?

  What the is your own company?

• 14:51Speaker 03

  I do social media management and consulting.

• 14:57Caleb Hammer?

  How many followers do you have online?

• 15:00Speaker 03

  Uh, one account has a little over 4700 and the other one has about almost 3000.

• 15:07Caleb Hammer?

  Then who the are you consulting?

• 15:11Caleb Hammer?

  That's one Tik Tok that gets a couple hundred thousand views and you get that many followers? What are you consulting?

• 15:18Speaker 03

  It's not about me. It's about what they're seeking. So if they want.

• 15:23Caleb Hammer?

  What are they seeking that you're able to provide?

• 15:25Speaker 03

  Coaching, if they want coaching, they want to start.

• 15:29Speaker 03

  If they want, um, travel. You know, they want to book travel, they can do that. I can schedule that for them.

• 15:37Caleb Hammer?

  So you're a travel agent grifter?

• 15:41Speaker 03

  Grifter?

• 15:43Caleb Hammer?

  Uh huh.

• 15:45Speaker 03

  I wouldn't say I'm a grifter.

• 15:48Speaker 03

  It's a source of income. If they book.

• 15:51Caleb Hammer?

  Yeah, it's a source of income, but you're not providing any value, any real value.

• 15:56Speaker 03

  Of course it is.

• 15:57Caleb Hammer?

  What? What do they need help traveling with that you're able to provide?

• 16:01Speaker 03

  I get the best deals. Deals that you can't go through directly through this, the website.

• 16:06Caleb Hammer?

  And how are you getting those deals?

• 16:08Speaker 03

  I'm a travel agent.

• 16:10Caleb Hammer?

  Okay, that's not exactly what you're saying. You said you're helping social media influencers.

• 16:14Speaker 03

  Right. If they want to book travel, they can do that through me.

• 16:19Caleb Hammer?

  Thought we got rid of that job.

• 16:23Speaker 03

  No.

• 16:23Caleb Hammer?

  As a society, I thought we all kinda moved on.

• 16:28Speaker 03

  I don't know who we are. Maybe you.

• 16:30Caleb Hammer?

  The rest of us.

• 16:32Speaker 03

  Well, you can't speak for everybody.

• 16:33Caleb Hammer?

  When's the last time you've used a travel agent?

• 16:37Caleb Hammer?

  Yeah, Jake, when's the last time you used a travel agent? Okay, both were never.

• 16:43Caleb Hammer?

  Okay. Okay. Let's see if you can coach this number out of yourself. We know 2,000 comes in, uh, which by the way, no, I had miscellaneous deposits, like we don't know, 985. 168 came in through PayPal, so they were at 120, and then child support came in, so. Yeah. The second biggest income source, almost as big as the first one, is because you have kids, and I guess we'll get into that. But how much came? What? How mu- how much went out though? How much was spent? Cause 1,800 came in.

• 17:21Caleb Hammer?

  Forty percent of it from child support, and how much went out? Can you coach it out of yourself, please? You need to call the stars, you need to summon them down? Talk to Mars, Jupiter. Hello? How much did I spend?

• 17:34Speaker 03

  On what account?

• 17:36Caleb Hammer?

  Everything. Oh my, everything, everything.

• 17:39Speaker 03

  Everything?

• 17:40Caleb Hammer?

  Everything. This can be debt, it can be anything.

• 17:43Speaker 03

  Um.

• 17:43Caleb Hammer?

  All your accounts.

• 17:45Speaker 03

  I don't know, it ranges.

• 17:46Caleb Hammer?

  You need to create those charts for it. You need to put in your birthdays. You need to get down to the millisecond in order to get this number.

• 17:55Speaker 03

  I don't know, it could range up to a thousand, nine hundred. Just depends.

• 18:01Caleb Hammer?

  Up to from when someone gives a range, they usually give this where the range starts?

• 18:06Speaker 03

  It could be nine hundred, it could be a thousand, it could be eight hundred one month. I mean, it just.

• 18:11Caleb Hammer?

  But this last month. What do you think you spent?

• 18:16Speaker 03

  Um.

• 18:20Speaker 03

  Probably eight hundred?

• 18:25Caleb Hammer?

  Do you have rent?

• 18:27Speaker 03

  Yes.

• 18:28Caleb Hammer?

  How much is your rent?

• 18:29Speaker 03

  Two hundred and forty-three dollars.

• 18:33Caleb Hammer?

  Oh, my gosh, I feel there's so much we have to get into. No, by the way, it was four thousand dollars. So fuck you. Fuck you.

• 18:38Speaker 03

  I?

• 18:39Caleb Hammer?

  Fuck you.

• 18:39Speaker 03

  How?

• 18:41Caleb Hammer?

  Your actions?

• 18:45Speaker 03

  Dang.

• 18:47Caleb Hammer?

  Okay.

• 18:49Speaker 03

  That's tragic.

• 18:51Caleb Hammer?

  This agency.

• 18:53Speaker 03

  Mm-hmm.

• 18:53Caleb Hammer?

  This work that you do, how many clients do you have?

• 18:57Speaker 03

  About sixty-eight.

• 18:59Caleb Hammer?

  And how often do you actually talk to them?

• 19:03Speaker 03

  Um, depends on their needs.

• 19:05Caleb Hammer?

  Why the fuck would they actually sign up for you?

• 19:09Speaker 03

  Because. I have the leadership skills.

• 19:17Caleb Hammer?

  Yes, your leadership skills. Please tell me, please inform me.

• 19:23Caleb Hammer?

  I'm hiring right now. In fact, one of those positions is a leadership position. Please. How would you qualify?

• 19:30Speaker 03

  I have the leadership skills. I have the education.

• 19:33Caleb Hammer?

  Let's elect a president.

• 19:34Speaker 03

  I have, I have not just the, the education, but I have the skill set that is necessary for managing people.

• 19:44Caleb Hammer?

  Wow, you just got no jobs ever. Um, with that answer.

• 19:48Speaker 03

  How?

• 19:50Caleb Hammer?

  I asked you. What makes you qualified? And you said, I have the skills.

• 19:55Speaker 03

  I do.

• 19:57Caleb Hammer?

  People usually give examples. People usually demonstrate what these skills are. They usually don't say, I have, you know what? I'm hiring for video editors right now. In the interview, people don't say, I have video editor skills. It depends on the job. So in this. So you just scam people out of money. Let's be honest, you just scam people out of money for their charts. You scam people out of money for helping them be in community guidelines. You scam people out of money. You're a scammer. I'm gonna call it as I see it. Absolutely not. I don't give a. You're a scammer. I am not a scammer. I mean, literally, the producers are telling me that you called your own agency a Ponzi scheme.

• 20:41Caleb Hammer?

  You're a scammer.

• 20:45Caleb Hammer?

  That's tough.

• 20:47Caleb Hammer?

  Yeah?

• 20:53Caleb Hammer?

  Okay.

• 20:55Speaker 00

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• 21:26Caleb Hammer?

  And if it wasn't for your kids and child support coming in. Well, I mean, it's not like you cover your expenses anyway. You're just going further into debt. So I, I, I don't, I don't, I don't know.

• 21:39Caleb Hammer?

  When did you start your own company? This, this. In February. Okay. And the company that does literally every service ever created. She agrees, okay. Yeah. You're supposed to agree with that. You're supposed to say, no, I focus on, okay. Oh.

• 22:03Caleb Hammer?

  How old are your kids?

• 22:05Speaker 03

  Twenty and eight.

• 22:06Caleb Hammer?

  A twenty year old? You have a twenty year old?

• 22:09Speaker 03

  Yeah.

• 22:10Caleb Hammer?

  An adult?

• 22:12Speaker 03

  Absolutely, I do.

• 22:15Caleb Hammer?

  And an eight year old? That's a big gap. Listen, there's nothing wrong with having a kid at twenty if you're ready, especially, but like, there's an adult in your life?

• 22:24Speaker 03

  Yes.

• 22:25Caleb Hammer?

  And you've never faced pushback for you creating your business, the everything business. It's the Amazon of your brain.

• 22:33Speaker 03

  No.

• 22:36Caleb Hammer?

  No, no pushback?

• 22:38Speaker 03

  No.

• 22:39Caleb Hammer?

  What does your kid think of your twenty year old adult child? This video is sponsored by Rocket Money, the app that has saved me hundreds by canceling subscriptions I forgot I was even paying for. Have you ever opened your bank app and thought, who the heck is charging me nine dollars and ninety nine cents every single month? Because, yeah, same. It turns out I've been unknowingly funding some random PDF converter I used once in 2021. But thankfully, Rocket Money caught that nonsense fast. Rocket Money is the all in one personal finance app that helps you cancel unwanted subscriptions, lower your bills, and track your spending all in one place. With just a couple taps, Rocket Money canceled my forgotten apps and even negotiated down my internet bill,

• 23:23Caleb Hammer?

  all without me having to argue with a robot named Dan.

• 23:27Speaker 05

  I know that you were planning to disconnect me.

• 23:29Caleb Hammer?

  It also tracks your spending by category, sets up custom budgets, and sends alerts before you overdraft. So you don't get that lovely surprise you're broke message from your bank. So if you're tired of leaking money, take back control. Go to rocketmoney.com/Caleb or click the link in the description to get started for free.

• 23:49Speaker 03

  Who's gonna tell me how to run my life?

• 23:52Caleb Hammer?

  Old adult child?

• 23:53Speaker 03

  He's an adult. What is he going to tell me?

• 23:56Caleb Hammer?

  Mom, you're f***ing up your life.

• 23:59Speaker 03

  How?

• 24:00Caleb Hammer?

  You don't make enough money to meet the bills.

• 24:02Speaker 03

  How does he know?

• 24:04Caleb Hammer?

  He doesn't talk, you guys don't talk?

• 24:06Speaker 03

  Why would anybody know? You only know that right now is because I'm sitting here talking to you.

• 24:11Caleb Hammer?

  You don't talk to people.

• 24:12Speaker 03

  Other than that, it's nobody's business how I spend my money, how I make my money.

• 24:17Caleb Hammer?

  I talk to people about my life all the time.

• 24:18Speaker 03

  But that's, no.

• 24:19Caleb Hammer?

  Why would you know other people's insights?

• 24:21Speaker 03

  No, I don't need them in my business.

• 24:22Caleb Hammer?

  It's not their business, yet your entire career is you being in other people's business.

• 24:27Speaker 03

  No, I'm not in everybody's business, though. If they come to me and they give me permission to, that's one thing.

• 24:33Caleb Hammer?

  Why do you not seek people?

• 24:34Speaker 03

  That's one thing, but I am not in people's business unless they give me permission to be in their.

• 24:39Caleb Hammer?

  Why would you not seek people for their insights into your life? Because obviously you're a complete fuck up.

• 24:45Speaker 03

  I am not a fuck up.

• 24:46Caleb Hammer?

  Hmm, yeah, spend double what you make.

• 24:48Speaker 03

  And how dare you tell me that I'm a fuck up?

• 24:50Caleb Hammer?

  You spend double what you make, you only grip for a living, you work for what you call a Ponzi scheme. Excuse me, what's going for you?

• 25:00Speaker 03

  My life, I'm still breathing.

• 25:01Caleb Hammer?

  Okay, uh, being able to survive is a sentiment, that's it.

• 25:08Caleb Hammer?

  That's our gold stars.

• 25:10Speaker 03

  Yep.

• 25:13Caleb Hammer?

  And how much money has this business made? Your entrepreneurial, everything.

• 25:17Speaker 03

  I just started it.

• 25:18Caleb Hammer?

  In February, so?

• 25:20Speaker 03

  In February, I just started. I, it hasn't made anything because I haven't, I just started it.

• 25:28Caleb Hammer?

  Yeah.

• 25:30Caleb Hammer?

  When is it gonna make money?

• 25:32Speaker 03

  When I start marketing.

• 25:34Caleb Hammer?

  Oh, for fuck's sake. Bull, how many hours a week do you put into it?

• 25:40Speaker 03

  I'm putting in about 25 to 30.

• 25:42Caleb Hammer?

  How is that possible? Isn't the entire business just talking to people? How are you putting in that many hours, but there's no money coming in?

• 25:49Speaker 03

  Because right now I was focused on the travel agency part of it, getting that set up and marketing it.

• 25:56Caleb Hammer?

  But 25 hours a week for three months?

• 25:58Speaker 03

  Not for three months.

• 26:00Caleb Hammer?

  Two months.

• 26:01Speaker 03

  I just started, it's a slow process to get people to want to book with you.

• 26:05Caleb Hammer?

  No, I agree, but you said you're putting 25 hours a week into it.

• 26:08Speaker 03

  Yes, I have to, I have to.

• 26:10Caleb Hammer?

  What have you done that is 25 hours?

• 26:12Speaker 03

  There's trainings that I have to complete, I have to get certified, it's not like a.

• 26:15Caleb Hammer?

  Travel agency?

• 26:16Speaker 03

  Yes, it's not a walk in the park.

• 26:19Caleb Hammer?

  No, you do not need to be legally certified or licensed to become a travel agent.

• 26:22Speaker 03

  It depends on the agency you work for.

• 26:25Caleb Hammer?

  Well, I thought this was your business. Why are you working for an agency?

• 26:27Speaker 03

  I work for a host agency.

• 26:30Caleb Hammer?

  Oh my gosh.

• 26:31Speaker 03

  I have my own business. You can look them up.

• 26:36Caleb Hammer?

  Lindsay, the, the, the, the, the people you find in this country will never cease to amaze me.

• 26:46Caleb Hammer?

  Okay, so you're not a business. You're a contractor to someone else's business. You do not own a business.

• 26:51Speaker 03

  I have my own business.

• 26:52Caleb Hammer?

  But it's not the travel agency?

• 26:54Speaker 03

  It's, no, that's, that's not a part of, that is a part of my business.

• 26:58Caleb Hammer?

  What are you putting 25 hours a week into?

• 27:01Speaker 03

  I had to do the trainings.

• 27:03Caleb Hammer?

  And it's 25 hours a week for two months?

• 27:06Speaker 03

  For the trainings, yes.

• 27:08Caleb Hammer?

  It's 25 hours a week for two months?

• 27:10Speaker 03

  I started my business and I have other trainings that I was personally doing for my business.

• 27:15Caleb Hammer?

  Can you tell me what the trainings were?

• 27:16Speaker 03

  It was business management that I personally was doing.

• 27:20Caleb Hammer?

  What business management?

• 27:21Speaker 03

  The ones through the library.

• 27:24Caleb Hammer?

  The, like, the local library?

• 27:25Speaker 03

  Yes.

• 27:26Caleb Hammer?

  And it was 25 hours a week for two months?

• 27:29Speaker 03

  I was taking, I, I'm also a homeschool teacher for my daughter.

• 27:35Caleb Hammer?

  Okay, no, but you're telling me how many hours a week you put into your business, not the other stuff?

• 27:38Speaker 03

  Right. As I'm going through these-

• 27:40Caleb Hammer?

  So I don't care about that part.

• 27:41Speaker 03

  As I'm going through these steps to start up my business correctly, it's not going to be, let's just push it out to the world. No, I want to make sure I set it up correctly, and that's what I was doing.

• 27:52Caleb Hammer?

  I get it, but you haven't been able to tell me how you've been doing this for eight weeks, 25 hours a week? So, let me just, you know, crunch some numbers here.

• 28:00Speaker 03

  So between the two of them-

• 28:01Caleb Hammer?

  You've put in 200 hours.

• 28:02Speaker 03

  So between the two of them-

• 28:04Caleb Hammer?

  You've put in 8.3 full days.

• 28:07Speaker 03

  So between the two of them, my business-

• 28:10Caleb Hammer?

  Wait, two of what?

• 28:12Speaker 03

  My business and the travel agency, those are two separate trainings that I've been doing.

• 28:18Caleb Hammer?

  And each equated to 24 hour, uh, 24 hours a week?

• 28:22Speaker 03

  I said between 25 and 30 hours a week.

• 28:25Caleb Hammer?

  It goes up to 30?

• 28:27Speaker 03

  That's what I was saying.

• 28:28Caleb Hammer?

  Can you tell me how you have set this time aside? 30 hours a week divided by five, six hours a day?

• 28:35Speaker 03

  So between the time that I'm at home with my daughter, homeschooling her.

• 28:39Caleb Hammer?

  No, no, no, no, that wasn't included in the 30 hours. You said your business and then you said your business and travel agency. Now, were you saying the 30 hours a week is business, travel, agency and homeschooling?

• 28:49Speaker 03

  Between the hours that I'm with her, homeschooling her, I am doing these trainings.

• 28:56Caleb Hammer?

  What trainings?

• 28:57Speaker 03

  The trainings for the, the travel agency and also the certification.

• 29:01Caleb Hammer?

  Tell me what they are so I can look them up and see how much time goes into them. Cause again, you have done eight weeks, 25 to 30 hours a week.

• 29:09Caleb Hammer?

  That is not, no? Are you giving up on that? Cause I feel like you're just lying.

• 29:15Speaker 03

  There's nothing to lie about.

• 29:17Caleb Hammer?

  Well, I would assume.

• 29:18Speaker 03

  Well, there are certain things I can't show you because that's not for me to show you. That's, you're not a part of the agency. Yeah. Not only that, but then I developed an e-learning program for social media.

• 29:30Caleb Hammer?

  You developed an e-learning program?

• 29:31Speaker 03

  Yes, I did. Now that I can personally show you.

• 29:35Caleb Hammer?

  For fuck's sake.

• 29:38Caleb Hammer?

  You developed an e-learning program.

• 29:42Caleb Hammer?

  You know what? The word grifter gets thrown around online. And I'll let you into my personal life. I've had a couple of people call me a grifter. It is because I sell products online. It is only because of people like you that people look down immediately at the fact that I put on an educational program and have launched a budget nap. We have worked with experts, put in hundreds upon hundreds upon hundreds of expert hours to craft like the lowest refunded rate industry-wide educational programs. And yet we get called out because we put on an online program. And it's only because people like you go out there and just put out slop and charge hundreds or thousands of.

• 30:21Speaker 03

  How do you know it's slop?

• 30:22Caleb Hammer?

  Because I'm talking to you.

• 30:24Speaker 03

  So what?

• 30:25Caleb Hammer?

  I.

• 30:26Speaker 03

  But how do you know it's slop?

• 30:27Caleb Hammer?

  Because I'm talking to you.

• 30:28Speaker 03

  How do you know I didn't go and get somebody to mentor me through this?

• 30:31Caleb Hammer?

  Because I'm talking to you. You can't speak on anything. There's that one thing you're able to speak on in a halfway intellectual, eh, great, intellectual level.

• 30:46Caleb Hammer?

  No rebuttal? No thought?

• 30:49Speaker 03

  No, because I know what I put into that e-learning program.

• 30:52Caleb Hammer?

  Okay, tell me.

• 30:53Speaker 03

  I went and sought out a mentor to help me put that together.

• 30:57Caleb Hammer?

  Who was the mentor?

• 30:59Speaker 03

  It doesn't matter who the mentor is.

• 31:00Caleb Hammer?

  It absolutely matters who the mentor is.

• 31:02Speaker 03

  Her name was Jamie. Not only that, but... I don't know. It's in my phone.

• 31:07Caleb Hammer?

  We'll bleep the name. Jamie what?

• 31:10Speaker 03

  I don't know her last name. It's in my phone.

• 31:14Caleb Hammer?

  Pull out your phone?

• 31:16Caleb Hammer?

  J-A-M-I-E? That version of Jamie? That spelling?

• 31:24Speaker 03

  Mm-hmm.

• 31:24Caleb Hammer?

  Okay. Jamie what?

• 31:27Caleb Hammer?

  And it's an educational program on how to not get banned on TikTok?

• 31:33Speaker 03

  No, to stay safe. It's for like people around 16 years old or so navigating social media.

• 31:41Caleb Hammer?

  To stay... Okay, to not get called a slur online?

• 31:46Speaker 03

  No.

• 31:48Caleb Hammer?

  To not get diddled through the screen? Like, what are they getting safe from?

• 31:55Caleb Hammer?

  I feel bad. I don't want to [BLEEP] your entire life, but you have not been able to give me anything. And I'm also not just gonna sugarcoat it, because I can't let you think you're just doing well. Especially since you have kids. Oh, so you're homeschooling? Okay.

• 32:09Speaker 03

  This is the training.

• 32:13Caleb Hammer?

  Yours or hers?

• 32:14Speaker 03

  That's mine.

• 32:16Caleb Hammer?

  Okay, so we're using stock images? Okay.

• 32:21Speaker 03

  This is also my first...

• 32:22Caleb Hammer?

  Discover purpose and power in the digital space. Building a strategy for growth. I thought this was about protection.

• 32:29Speaker 03

  It is. It goes further into it.

• 32:32Caleb Hammer?

  Okay, creating content that connects. Okay, three chapters out of seven. Nothing about protection yet. Four, showing up constantly and building confidence. Not about protection. Five, growing your community and influence. Not about protection. Six, monetizing and partnering with purpose. Not about safety. Seven, your digital talent portfolio and future steps. Okay, nothing... Safety wasn't mentioned once in a course about safety.

• 32:56Speaker 03

  It is.

• 32:58Caleb Hammer?

  How much is it?

• 32:59Speaker 03

  It's going through copyright right now.

• 33:01Caleb Hammer?

  Huh? What? What copyright?

• 33:05Speaker 03

  That has to be copyrighted before I put it online.

• 33:08Caleb Hammer?

  You're trademarking it?

• 33:09Speaker 03

  It's being copyrighted.

• 33:11Caleb Hammer?

  How? What the do you own in here that's like, uh, intellectual property?

• 33:17Speaker 03

  I put it together. That's what I was supposed to do.

• 33:20Caleb Hammer?

  How much is it gonna cost?

• 33:22Speaker 03

  It's not gonna cost very much.

• 33:24Caleb Hammer?

  How much is it gonna cost?

• 33:25Speaker 03

  Like fifty-nine dollars.

• 33:30Speaker 03

  It comes with a test. It comes with everything. A workbook.

• 33:35Caleb Hammer?

  And more stock images.

• 33:39Speaker 03

  What was I supposed to use?

• 33:42Caleb Hammer?

  He's very happy he took this class. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi High Yield Savings Account and get a welcome bonus of three hundred dollars. Sign up for Acorns using my link and get twenty dollars instead of the usual five dollars. Finally, sign up for Silo and earn up to five thousand dollars in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself five thousand three hundred twenty dollars right now.

• 34:25Caleb Hammer?

  Speaking of education, I will gift you real education from Course Careers when you decide to get a real job.

• 34:32Caleb Hammer?

  How many hours a week do you work on the TikTok bull?

• 34:35Speaker 03

  About twenty hours.

• 34:37Caleb Hammer?

  Okay, so on the job you get paid on, you work ten hours less.

• 34:44Speaker 03

  Hmm.

• 34:44Caleb Hammer?

  Why the don't you have a real job? You're a mother.

• 34:47Speaker 03

  Because I homeschool my child.

• 34:50Caleb Hammer?

  Send him to school.

• 34:52Speaker 03

  She is on the spectrum.

• 34:54Caleb Hammer?

  How far?

• 34:57Caleb Hammer?

  It's a spectrum because we're all on it.

• 35:00Caleb Hammer?

  Is she able to operate?

• 35:01Speaker 03

  It's none of your business.

• 35:03Caleb Hammer?

  Well, no, when it comes to you not being able to work in this conversation, it is.

• 35:07Speaker 03

  I need a flexible job, so I'm doing what I have to do.

• 35:11Caleb Hammer?

  Is she able to operate in society?

• 35:13Speaker 03

  Yes.

• 35:13Caleb Hammer?

  There we go. And there's programs at school.

• 35:16Speaker 03

  No, where I live is not adequate enough to handle her educational needs. So that's why.

• 35:26Caleb Hammer?

  Are you?

• 35:28Speaker 03

  She's on a program. She goes and sees OT. She's doing what she needs to do. And yes, right now, virtually, it works for her.

• 35:37Caleb Hammer?

  Buddy, you'd be making more money just doing customer service from home. Just customer service.

• 35:44Speaker 03

  If there were no phones, yes, I could have.

• 35:48Caleb Hammer?

  A job without a phone?

• 35:50Speaker 03

  There were no phones.

• 35:51Caleb Hammer?

  You can't have a phone?

• 35:53Speaker 03

  She's at home with me.

• 35:56Caleb Hammer?

  So you're not allowed to have a phone?

• 35:59Speaker 03

  I can't have a job where the child is in the background.

• 36:05Caleb Hammer?

  So you're never going to be able to provide for her, then?

• 36:08Speaker 03

  I'm providing for her.

• 36:10Caleb Hammer?

  No, you're spending double what you make and a third of your income comes in through child support. Not saying that you shouldn't get child support, but that's basically the only reason you're able to almost survive. Sounds like you're in a rent-controlled situation, is that correct?

• 36:24Speaker 03

  Yep.

• 36:26Speaker 00

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• 36:53Caleb Hammer?

  How long?

• 36:55Speaker 03

  The one year.

• 36:56Caleb Hammer?

  When does the one year end?

• 36:58Speaker 03

  In June.

• 36:59Caleb Hammer?

  And then what?

• 37:01Speaker 03

  And then I decide whether I want to stay or...

• 37:03Caleb Hammer?

  You're allowed to stay for the same rent?

• 37:05Speaker 03

  Uh huh.

• 37:06Caleb Hammer?

  Okay, so it's not a big issue.

• 37:10Caleb Hammer?

  Why don't I fully believe you?

• 37:13Speaker 03

  What is there not to believe?

• 37:17Caleb Hammer?

  Just, uh, I mean, they're telling me you're considering moving to Austin, so...

• 37:21Speaker 03

  Yes, I am.

• 37:23Caleb Hammer?

  Why?

• 37:24Speaker 03

  Why not?

• 37:25Caleb Hammer?

  You have no money.

• 37:27Speaker 03

  So? I'll make money.

• 37:30Caleb Hammer?

  So far, no.

• 37:34Caleb Hammer?

  What's our plan? Putting thirty hours a week into the education that we can't define or explain?

• 37:43Speaker 03

  There is a plan.

• 37:45Caleb Hammer?

  Okay. Now it sounds like a presidential debate.

• 37:51Speaker 03

  I'm trying. I'm...

• 37:54Caleb Hammer?

  What's your try?

• 37:55Speaker 03

  I have, um, plans on finding a job, and I use my chart. I use numerology.

• 38:03Caleb Hammer?

  Fucking chart. So someone pays for what I just did?

• 38:08Speaker 03

  Yeah, but I make a whole...

• 38:09Caleb Hammer?

  They can just put that in GPT and it'll tell them.

• 38:12Speaker 03

  Not necessarily if you don't know what to put in there. Cause it's not... Chat GPT is not always correct.

• 38:20Caleb Hammer?

  I think it'd be able to tell me my moon and Mars.

• 38:23Speaker 03

  That has nothing to do with numerology, or where your north node is at, and how you can progress and make profitable moves if you looked at it.

• 38:34Caleb Hammer?

  Tell me, how do I make profitable moves? You saw my ch- my star, please.

• 38:38Speaker 03

  Your north node.

• 38:39Caleb Hammer?

  Yeah, tell me.

• 38:41Speaker 03

  Okay, I can do a reading for you, would you like that?

• 38:44Caleb Hammer?

  I thought you already did.

• 38:45Speaker 03

  I looked at your chart. This is card reading.

• 38:48Caleb Hammer?

  Okay, people are gonna be upset if I don't get into the finances, so let's do a little finances first, and then I'll let you play with your toys.

• 38:56Speaker 03

  But I'm...

• 39:00Caleb Hammer?

  That wasn't a joke.

• 39:02Speaker 03

  You said, "Play with my toys."

• 39:05Caleb Hammer?

  Yeah, that's all they are.

• 39:07Speaker 03

  That could go real left for a lot of people that don't know what the toys are.

• 39:13Caleb Hammer?

  Yeah, I'm not picturing you using a vibrator.

• 39:15Speaker 03

  Well, don't use toys then.

• 39:19Speaker 03

  Naughty.

• 39:20Caleb Hammer?

  No, I have zero interest.

• 39:27Caleb Hammer?

  Don't need to get you your third.

• 39:30Speaker 03

  Relax, Caleb.

• 39:32Caleb Hammer?

  I'm feeling fine, man. I just wish I could get you to. Comprehend any semblance of reality. Okay, Navy Federal. Oh, good. Yeah, we're at $9,455.45 for someone who takes, uh...

• 39:50Caleb Hammer?

  Basically, four and a half months to make that amount. Before any bills. Great. And of course, you didn't even make that amount in the month where we're looking at. So it doesn't even matter.

• 40:03Caleb Hammer?

  Met a monthly payment. Oh, good, 214. So of what you do break, bring in, that's already, uh, an eighth of your money gone.

• 40:12Speaker 03

  That's a different account. So what I bring in does not go to Navy Federal?

• 40:20Caleb Hammer?

  This is your debt.

• 40:22Speaker 03

  Yeah, I understand.

• 40:23Caleb Hammer?

  Well, checking account. Your. Get money hits. Why does that matter? You're right. Your payroll doesn't go into a credit card.

• 40:37Caleb Hammer?

  What is that? Oh, fuck, dude. Oh.

• 40:44Speaker 03

  Well, I was going to break it down for you because they're different accounts.

• 40:47Caleb Hammer?

  Please break it down.

• 40:48Speaker 03

  And there's different money that goes into these accounts.

• 40:51Caleb Hammer?

  Yes, break down, please.

• 40:52Speaker 03

  So any of the money that I get from like taxes or lump sum of money goes into my Navy Federal and just stays there. I don't touch it. That's what pays my car note. That's what pays the loan.

• 41:07Speaker 03

  And that's how I'm able to pay that off.

• 41:10Caleb Hammer?

  Me. I thought they gave you the fake name star because you're into astrology, not because you have the mental capacity of a stripper.

• 41:18Speaker 03

  Oh, wait a

• 41:19Caleb Hammer?

  Sake, $1,336 being spent on this card? $120 of interest? Why the [bleep] are you only putting the minimum monthly payment to it? Putting thousands of dollars onto it when interest is accruing?

• 41:37Speaker 03

  Because I wasn't always doing that. I just recently

• 41:41Caleb Hammer?

  Because you weren't always That's not a Why did you do this? Because I wasn't always doing it? What? That Did you hear that back? Can you ask me why I did this?

• 41:52Speaker 03

  I wasn't always doing it.

• 41:54Caleb Hammer?

  No, no, no, no. Ask me, ask me why I spent this much money.

• 41:58Speaker 03

  Why did you spend all that money?

• 41:59Caleb Hammer?

  Because I wasn't always doing it.

• 42:02Caleb Hammer?

  Does that answer the question to you?

• 42:05Speaker 03

  Yes.

• 42:06Caleb Hammer?

  Really? Okay, can we go in depth into that answer then, please? So I can at least understand it.

• 42:12Speaker 03

  Right.

• 42:12Caleb Hammer?

  Because I need that translated, I guess.

• 42:14Speaker 03

  I only took, I only put that down to the minimum payment after TikTok went dark. And they

• 42:22Caleb Hammer?

  It went dark for two days.

• 42:24Speaker 03

  Right. But when my creators left the platform

• 42:27Caleb Hammer?

  You, this is last month. It didn't, it went dark, what, three months ago? Three months ago?

• 42:32Speaker 03

  Right. So I had to shift the minimum payments to reflect on how it was going to affect my bottom line.

• 42:41Caleb Hammer?

  This statement is two months after it went dark.

• 42:44Speaker 03

  Right. I'm always going to be a month behind getting paid.

• 42:49Caleb Hammer?

  This was two months.

• 42:51Speaker 03

  I'm always going to be a month behind.

• 42:53Caleb Hammer?

  This was two months.

• 42:54Speaker 03

  Right. And I had to wait for my taxes to roll into that account.

• 42:58Caleb Hammer?

  Into your credit card?

• 43:00Speaker 03

  Into the Navy Federal.

• 43:05Speaker 03

  Then I put the state, the, the credit card back up to start paying it off faster.

• 43:11Caleb Hammer?

  Okay.

• 43:15Caleb Hammer?

  Can you please stand up?

• 43:19Caleb Hammer?

  Can you please stand up?

• 43:25Speaker 03

  Try.

• 43:26Caleb Hammer?

  Okay, take that mic, grab it, put it that way. That way. No, no, no, no, no. The chair over there. The chair over there. Chair over there.

• 43:38Caleb Hammer?

  Chair over there. Okay, sit down.

• 43:42Caleb Hammer?

  Sit.

• 43:43Speaker 03

  Sit?

• 43:43Caleb Hammer?

  Sit. Scoot in. Scoot in.

• 43:49Caleb Hammer?

  Scoot in. Scoot in. Very good. Bring the mic to your face.

• 43:56Caleb Hammer?

  Okay. Stay there.

• 44:01Caleb Hammer?

  Welcome.

• 44:12Caleb Hammer?

  You're my most moronic employee. I, I need you to be a translator for me.

• 44:18Speaker 05

  Okay.

• 44:18Caleb Hammer?

  A moron translator. Here, we can reframe.

• 44:21Speaker 05

  Okay.

• 44:22Caleb Hammer?

  That's why Brandon is here. We got the both Brandon's.

• 44:28Caleb Hammer?

  I mean, I ask you this question again, I'd like you to answer exactly how you answered.

• 44:33Caleb Hammer?

  Why did you spend money on this card?

• 44:38Speaker 03

  With the intention to pay it back.

• 44:40Caleb Hammer?

  That is not what you said. But sure, let's go with that. I asked, why did you spend money on this card with the intention to pay back? Can you please translate what her actual response was?

• 44:53Speaker 05

  Explain that one more time?

• 44:57Caleb Hammer?

  I need a translator for you, dude. Come on.

• 45:01Speaker 05

  You said.

• 45:02Caleb Hammer?

  You, you're here to translate for her. Um, she said, well, first of all, her first response was.

• 45:10Speaker 03

  Because I wasn't always doing that.

• 45:12Caleb Hammer?

  Because it's been a few months or something like that.

• 45:15Speaker 05

  Okay.

• 45:17Speaker 03

  It was more of how you structured the question around why I was making the minimum payment.

• 45:25Caleb Hammer?

  While spending quadruple the minimum monthly payment on there. Can you tell me?

• 45:30Speaker 03

  And I, that's what was my response was.

• 45:33Caleb Hammer?

  What's your response?

• 45:34Speaker 03

  That it was more of, that I had intentions of paying it back.

• 45:39Caleb Hammer?

  Okay, what the does she mean?

• 45:41Speaker 05

  Boss? I can't explain that.

• 45:45Caleb Hammer?

  Brandon, come on, give it your best. You have to be my translator here.

• 45:50Speaker 05

  Okay, so, spending the money because we intended to pay it back.

• 45:58Speaker 05

  We were gonna pay it back.

• 46:01Caleb Hammer?

  But we haven't. So, you spent money, interest is accruing, takes 25 years to pay off, by the way. 25 years to pay off. You have a kid, 20-year-old, homeschool kid. Kid can't afford your bills. This takes four months to pay off. You know, interest is accruing. Why would you put money on a credit card and not a debit card when interest is accruing and you can't pay it off?

• 46:22Speaker 03

  It's connected to my PayPal. So, if there's larger debits coming out of the purchases, it was hitting that card instead of the debit card.

• 46:38Speaker 05

  Uh, we're using PayPal instead of, uh, because it's linked.

• 46:42Caleb Hammer?

  You're not using PayPal, unless this is attached to PayPal?

• 46:46Speaker 03

  The card, that.

• 46:47Caleb Hammer?

  So, when you spend money through PayPal, it's charging this credit card?

• 46:50Speaker 03

  Yeah, and I didn't know.

• 46:51Caleb Hammer?

  Why the [__] are you doing that?

• 46:52Speaker 03

  I didn't know.

• 46:53Caleb Hammer?

  You didn't know? So, if I look at your statement right now, there will be no more spending on it if you pull up your phone?

• 46:59Speaker 03

  Besides, certain things, yeah.

• 47:05Speaker 05

  There's a couple of things on there.

• 47:07Caleb Hammer?

  Okay.

• 47:11Caleb Hammer?

  If I could go back in time, back in time, back in time, and just straighten out my finances, here's something I'd fix sooner than later: my credit score. Because, let's just face it, having bad or no credit isn't just an inconvenience, it's a major roadblock. It's more than just higher interest rates. It's about being stopped cold when trying to rent your first apartment, buy a car, or hit another big milestone. But that's where today's sponsor, Step, comes in to make credit building a breeze. Step is a mobile banking app that helps you build credit for free. No credit checks, no interest, no hidden gotcha fees. Every time you use your Step card, you're building credit automatically.

• 47:55Caleb Hammer?

  And with the average Step user improving their credit by over 57.3%. In one year. It's the perfect way to start moving in the right direction. And with FDIC insurance and with Visa's zero liability protection, you'll have the peace of mind knowing your account is protected around the clock. And what's my favorite part? By setting up a qualified direct deposit, you unlock Step Black and Early Pay. That means cash back. 8% with partners, 3% on dining and food delivery, 2% on subscriptions, so you can binge Netflix and peace, and 1% on everything else. And you can borrow up to 200 to $1,000, so you don't have to wait for your paycheck to pay the bills. Plus, you earn 4% on your savings while you're building credit. And you can even get paid up to two days early.

• 48:39Caleb Hammer?

  They'll even pay you more than $200 a month to take service and play games all in one app. So between the up to $500 in annual perks and the ability to build credit safely, it's a no brainer in my book. So if you're tired of pretending you'll fix your finances someday, do this today. Build credit and earn rewards. Download the Step app today and sign up using the code CALEB for $5 free in your account upon opening. Now, let's get back into the episode. If you're an agency owner or a marketing consultant, heck, even if you're a side hustler, High Level might be your new best friend. Did we just become best friends? Yup. Picture this. You onboard a client who needs lead capture pages, automated email sequences, SMS reminders. And instead of duct taping five different apps,

• 49:22Caleb Hammer?

  you deliver it all through High Level with your branding. You'll look like a tech genius without writing a single line of code. Meanwhile, your client sees improved conversions, you see bigger paychecks, and you only pay one monthly subscription that covers everything. That margin is pure profit, baby. And it's not just about the short term win. These clients stick around paying you monthly reoccurring income. And I know some of you dream of building a lifestyle business that actually prints money on autopilot. Well, I snagged a 30 day free trial, so you can test out the platform with no risk. If you're ready to turn your agency into one smooth all in one operation, jump onto High Level today. What the f*** we spent? First of all, Corporate Filings LLC, not through PayPal. Corporate Filings LLC, and then there's PayPal.

• 50:05Caleb Hammer?

  And then La Quinta Inn and Suites. Trying to get another baby daddy?

• 50:11Speaker 03

  Not too much on me. Not too much. No, no, no. Uh-uh.

• 50:17Speaker 05

  I didn't spend that, boss.

• 50:21Caleb Hammer?

  You you you did spend that.

• 50:22Speaker 03

  I spent it, but it wasn't to make another baby.

• 50:26Caleb Hammer?

  Okay. Seventeen percent interest. Hundred twenty dollars of interest occurring.

• 50:35Caleb Hammer?

  Again, I mean, this is is fucking with your income is absolutely insane. And again.

• 50:41Caleb Hammer?

  Like, you're filing a business to scam people. And you're just a scammer. You work for a scam agency. That's what you have said. That is what you have said. And they said you're you've been also addicted to gifting on TikTok.

• 50:57Speaker 03

  I used to be, yeah.

• 51:01Caleb Hammer?

  And now you're a scammer.

• 51:02Speaker 03

  I am not a scammer.

• 51:04Caleb Hammer?

  Explain how what you're doing is not scamming.

• 51:07Speaker 03

  I'm I'm not. I'm actually using my leadership skills and my education.

• 51:12Caleb Hammer?

  Tell me what leadership skills you have.

• 51:14Speaker 03

  I have great organizational skills. I I build a community for for my people. So it's not just about.

• 51:22Caleb Hammer?

  Leadership? Being organized is leadership?

• 51:25Speaker 03

  You'd be surprised that some people cannot put together.

• 51:28Caleb Hammer?

  Leaders are not organized, but it's not a leadership skill.

• 51:31Speaker 03

  It should be.

• 51:34Speaker 03

  Being organized should be.

• 51:36Caleb Hammer?

  Translate.

• 51:37Speaker 05

  It kind of sounds like she runs a Discord.

• 51:41Caleb Hammer?

  Yeah.

• 51:45Caleb Hammer?

  Oh, yeah, she agrees.

• 51:48Caleb Hammer?

  Okay.

• 51:51Caleb Hammer?

  So what is all this gifting you're doing or we're doing on TikTok? All this money that you don't have, that you're getting from your fucking dads of men? Dads of your children.

• 52:03Speaker 03

  Dads of men.

• 52:04Caleb Hammer?

  Mm hmm. What is the gifting?

• 52:06Speaker 03

  Well, first of all, it's not dads of men.

• 52:12Caleb Hammer?

  What is this gifting?

• 52:14Speaker 03

  So in order for you to have some visibility on TikTok, you kind of have to give a little to get a little. And

• 52:22Caleb Hammer?

  No, I just created content that people wanted to watch. Maybe you should try that.

• 52:26Speaker 03

  Are you live streaming? I mean, being a content creator and being a live streamer, those are two different roles.

• 52:31Caleb Hammer?

  So you're gifting in your own live stream?

• 52:33Speaker 03

  No, I'm not. I'm gifting in other people's live stream.

• 52:38Caleb Hammer?

  Why does that matter for your live stream?

• 52:40Speaker 03

  Because a lot of them would come back around and they would gift you.

• 52:45Caleb Hammer?

  How long have you been doing this?

• 52:47Speaker 03

  Well, I don't do it anymore.

• 52:48Caleb Hammer?

  How long were you doing it?

• 52:49Speaker 03

  Like a year.

• 52:51Caleb Hammer?

  And you accumulated 4,000 followers?

• 52:54Speaker 03

  Yeah. Well, over that, it's a total. I have two accounts, so it's almost 8,000.

• 52:59Caleb Hammer?

  Transit. We're paying for clout. Yeah. And that's what you're gonna coach other people to do? Just to pay for clout instead of actually make content that people want to watch? So you never made content that people wanted to watch? You just paid for clout? You paid for clicks?

• 53:13Speaker 03

  Again.

• 53:13Caleb Hammer?

  You paid for views?

• 53:15Speaker 03

  Content creator.

• 53:16Caleb Hammer?

  And then you're gonna sell $100, $50, whatever course on that? That's what you're gonna tell people to do? And that's gonna teach them how to be safe? The dots are not connecting.

• 53:25Speaker 03

  TikTok does it all the time.

• 53:26Caleb Hammer?

  Does what all the time?

• 53:28Speaker 03

  That is a course that they teach on their li- on their market.

• 53:31Caleb Hammer?

  Yeah, but they probably know what the they're talking about.

• 53:34Speaker 03

  Okay, well, you don't know me, I don't know you, so how?

• 53:36Caleb Hammer?

  I know you have 4,000 followers.

• 53:38Speaker 03

  You can't pass judgment on something that I thought I was knowledgeable about.

• 53:42Caleb Hammer?

  I can pass judgment on analytics and what you're trying to do and already working for a scam agency, and then you're just gonna repeat that process instead of actually providing any kind of value to this world?

• 53:51Speaker 03

  Well, if I'm entertaining and people are gifting me, then that's what I'm going to do.

• 53:56Caleb Hammer?

  But they're not gifting you. You're gifting other people.

• 53:58Speaker 03

  They were. I was making

• 53:59Caleb Hammer?

  But you paid for it.

• 54:00Speaker 03

  It was, I wasn't always paying for it. I had fans that came into my room and enjoyed me bruising people's egos. That's what I did.

• 54:10Caleb Hammer?

  What?

• 54:11Speaker 03

  It was entertaining for them.

• 54:13Caleb Hammer?

  What do you, what do you mean?

• 54:14Speaker 03

  It's a good type of banter.

• 54:18Caleb Hammer?

  What, what are you, you were just sitting there trashing them?

• 54:21Speaker 03

  It's called bantering.

• 54:24Speaker 05

  I think that we're talking to people.

• 54:28Speaker 05

  We're paying to talk.

• 54:30Caleb Hammer?

  You're paying to talk.

• 54:32Speaker 03

  I'm not paying.

• 54:33Caleb Hammer?

  You paid to get people to come watch you to then hopefully pay for you to talk shit to them.

• 54:37Speaker 03

  No, I don't pay people to come watch me talk.

• 54:41Caleb Hammer?

  I have a quote from you that you gave our producers. TikTok is a Ponzi scheme. You have to give to get.

• 54:50Caleb Hammer?

  No, that's literally not true.

• 54:54Speaker 03

  For live streaming, again, those are two different.

• 54:57Caleb Hammer?

  That don't livestream.

• 54:58Speaker 03

  Those are two different.

• 54:59Caleb Hammer?

  And also, that's not true at all.

• 55:00Speaker 03

  A lot of people are not getting paid from their content anymore. They could have millions of views.

• 55:05Caleb Hammer?

  Those that create engaging content that people like do.

• 55:11Caleb Hammer?

  I don't think you're a content creator. I don't think you know what you're talking about. I'm sorry.

• 55:14Speaker 03

  I'm not a content creator. I never said I was.

• 55:16Caleb Hammer?

  But you're gonna teach people how to be.

• 55:18Speaker 03

  That's, I'm live streaming.

• 55:20Caleb Hammer?

  That's your class. That's a content creator. You're a live streamer.

• 55:23Speaker 05

  I think what we're trying to say here, boss, is, uh, I'm a scammer.

• 55:29Caleb Hammer?

  Well, at least you admitted it.

• 55:32Speaker 03

  I'm not a scammer.

• 55:34Caleb Hammer?

  But you're teaching people about something you've never done successfully.

• 55:38Speaker 03

  How? I was successful.

• 55:40Caleb Hammer?

  4,000 followers. How much did you make?

• 55:43Speaker 03

  I don't know how much I made.

• 55:45Caleb Hammer?

  So you're gonna try to teach people without a proven record? Because you can't, what do you think you made?

• 55:49Speaker 03

  I mean.

• 55:50Caleb Hammer?

  Give me a range. And remember, ranges begin with something and end with something.

• 55:53Speaker 03

  I probably made, in the time that I was live streaming, maybe $6,000.

• 55:58Caleb Hammer?

  How much did you spend?

• 56:01Speaker 03

  Hmm, probably like $3,000.

• 56:05Speaker 05

  I lost 50% of my money.

• 56:06Caleb Hammer?

  Yeah.

• 56:12Caleb Hammer?

  Dude, I don't fucking know. I don't fucking know. And I'm gonna teach a class on that? Come on. Come on. And then you're trying to read fucking, again, pretend I paid you. Oh, okay. No, let's do one more document, then I'll let you play with your little fucking, I'll let you pretend like you know something. Okay, Quicksilver.

• 56:32Caleb Hammer?

  Being mean, but I, this is.

• 56:38Caleb Hammer?

  Not feeling.

• 56:41Caleb Hammer?

  I like when these conversationalists have some productivity to them. And this one doesn't have any productivity to it because you're just in you. It took us seven minutes to get one answer. Remember? Remember that? Do you remember that?

• 56:52Speaker 00

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• 57:22Caleb Hammer?

  Uh huh. Okay.

• 57:25Caleb Hammer?

  Hundred eighty-five dollar minimum payment on this. I don't know how you're affording to survive. You're not. Uh, five thousand five hundred sixty-two dollars on this. Interest accruing. You made your minimum payment. What's up with this card? How long does it take to pay off? How long does it take to pay off? Some of the stars. How long does it take to pay off?

• 57:42Speaker 03

  I don't know.

• 57:42Caleb Hammer?

  Some of the stars. How long does it take to pay off?

• 57:44Speaker 03

  I don't know.

• 57:45Caleb Hammer?

  What do you think? How long do you think?

• 57:48Speaker 03

  I don't know.

• 57:49Caleb Hammer?

  How long do you think?

• 57:54Caleb Hammer?

  The word is think.

• 57:56Speaker 03

  Maybe two years?

• 57:59Caleb Hammer?

  Twenty-one. Your kid will be forty-one.

• 58:02Speaker 03

  Well, it was at nine thousand, so, and that's not by any fault of my own, so.

• 58:07Caleb Hammer?

  Go ahead. Tell me.

• 58:09Speaker 03

  That card was triple charging from multiple different vendors and some of the vendors fixed it on their own.

• 58:18Speaker 03

  So, and I'm still in dispute with that company.

• 58:21Caleb Hammer?

  How much of it?

• 58:22Speaker 03

  Majority of it because it was capped at four thousand.

• 58:27Caleb Hammer?

  What, your limit?

• 58:28Speaker 03

  Yes.

• 58:28Caleb Hammer?

  Well, they raised the limit because they loved giving you money for you to give them interest.

• 58:32Speaker 03

  But I wasn't spending at, I wasn't spending it.

• 58:36Caleb Hammer?

  All of it?

• 58:37Speaker 03

  Yes.

• 58:37Caleb Hammer?

  All of it was scam?

• 58:38Speaker 03

  They were, they, at those vendors, every time, especially during the holiday season.

• 58:44Caleb Hammer?

  What were the vendors?

• 58:46Speaker 03

  It was like Target, um.

• 58:47Caleb Hammer?

  And you're telling me you did not spend any money there?

• 58:50Speaker 03

  Not for those transactions. That's why I'm still in dispute.

• 58:53Caleb Hammer?

  For those transactions?

• 58:54Speaker 03

  I spent on the card during those times. That's why I caught it. We're still in dispute with that, for that card.

• 59:04Speaker 05

  I spent a lot of money. And now I'm not taking the blame for it.

• 59:10Speaker 03

  It's proven. Some of the vendors fixed it on their end. Now Capital One has to fix it.

• 59:15Caleb Hammer?

  How much of the five?

• 59:18Speaker 03

  Um, so far it was.

• 59:20Caleb Hammer?

  No, how much of the remaining is in dispute?

• 59:23Speaker 03

  Majority of that.

• 59:24Caleb Hammer?

  How much?

• 59:26Speaker 03

  They took away four. It was at nine.

• 59:28Caleb Hammer?

  I'm asking how much of the five is in dispute?

• 59:32Speaker 03

  Majority of it. The card would have been paid off by now because I've only spent, uh, the initial principal was two thousand something.

• 59:40Caleb Hammer?

  How much of the five thousand?

• 59:42Speaker 03

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

• 59:47Speaker 03

  I don't know. It's in dispute.

• 59:51Caleb Hammer?

  But you just don't know how much.

• 59:54Caleb Hammer?

  Well, it's a cruel interest. I'll tell you that. When are you gonna get into the business of doing this to other people?

• 1:00:02Speaker 03

  I'm not.

• 1:00:05Caleb Hammer?

  Until you're almost kicked out of subsidized housing.

• 1:00:10Caleb Hammer?

  Listen.

• 1:00:12Caleb Hammer?

  My question is, and this is a societal question. I'm not against the idea of subsidized housing for people that can't take care of themselves. Or food stamps for those that cannot take care of themselves. Or unemployment for those who are not able to get employed when they get laid off. Obviously, we have a social safety net for a reason. That being said, you literally could go get a job and actually afford unsubsidized rent, not being subsidized by the taxpayer. You could go do that. You are literally choosing not to because you want to build your business. Why the are you allowed to leech off the taxpayer?

• 1:00:49Speaker 03

  I'm not leeching off of anybody. And I have tried.

• 1:00:53Caleb Hammer?

  Tried what?

• 1:00:54Speaker 03

  I actually, my last job, I had a really bad situation.

• 1:00:59Caleb Hammer?

  Tell.

• 1:01:00Speaker 03

  Where I was interviewing men in particular. And every time I got on the screen with them, they got their little willies out and started whacking them.

• 1:01:13Caleb Hammer?

  Uh, I'm not gonna have a chance with that one.

• 1:01:17Caleb Hammer?

  Every, every, every, every, well, that, you said the word interviewing. You were interviewing them?

• 1:01:22Speaker 03

  Yes, it was on-

• 1:01:24Caleb Hammer?

  What was your job?

• 1:01:25Speaker 03

  It was a food and beverage platform.

• 1:01:29Speaker 03

  They were in the shower, they were just taking advantage.

• 1:01:33Caleb Hammer?

  I shouldn't laugh at that. I shouldn't laugh at that, cuz I don't, I don't know if it's a...

• 1:01:41Caleb Hammer?

  Well...

• 1:01:43Caleb Hammer?

  Huh? What was it? Can you describe the job? Can you give a better description of the job, please?

• 1:01:49Speaker 03

  Yeah, I just said, I was doing-

• 1:01:51Caleb Hammer?

  I said better.

• 1:01:52Speaker 03

  Virtual interviews for a food and beverage platform.

• 1:01:56Caleb Hammer?

  The interview, so it was like, um, it was like-

• 1:02:00Speaker 03

  So people would go on there looking for, like, day work. And, and other employers needed shifts filled.

• 1:02:06Caleb Hammer?

  And every single man got on there and masturbated.

• 1:02:09Speaker 03

  I didn't say every single man. But I had-

• 1:02:12Caleb Hammer?

  But some did.

• 1:02:13Speaker 03

  So, I had so many that I could not take it anymore, that they were just sweeping it under the rug. There was no safeguarding for-

• 1:02:21Caleb Hammer?

  Good, I agree. Leave that job.

• 1:02:23Speaker 03

  It didn't just happen to me. No, they fired me because I reported them.

• 1:02:27Caleb Hammer?

  Uh, mm, okay, I would have sued.

• 1:02:30Speaker 03

  I-

• 1:02:33Caleb Hammer?

  Listen. It's, huh, I don't wanna push back because that sounds horrible, but the fact is, with this entire conversation, it makes it impossible to believe you. But let's just, let's just believe you. Okay. I'm believing you. Because you look evil if you don't.

• 1:02:50Caleb Hammer?

  So, even though you've been proven to be a liar the entire conversation, I will believe you in this. Okay, so good. Get fired or leave the job. Great. Um, I guess there's no other companies employing people?

• 1:03:03Caleb Hammer?

  Than just that?

• 1:03:04Speaker 03

  I don't know, because every time I've

• 1:03:06Caleb Hammer?

  No, the answer is yes, there are other companies.

• 1:03:08Speaker 03

  If there is, I have been rejected so many times that it's being, it's very hard to find a job that aligns with what I need to do for my daughter.

• 1:03:18Caleb Hammer?

  Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget, no matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the very first time, or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below.

• 1:04:00Caleb Hammer?

  But at the top of that section, you can also bundle all four of them together for 15% off. So join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to CalebHammer.com, or just click those links in the description below.

• 1:04:17Caleb Hammer?

  I don't know if you're fully believing that, I feel like you're, you want to homeschool though. Based on you, based on you are, you're, you're a chart reader, you're fucking stars only, I feel like you want her in your special little net of your core beliefs.

• 1:04:30Speaker 03

  It has nothing to do with, yes, I want her to have the best education for her in the area that I'm at right now. Because they don't have the best educational system where I'm at.

• 1:04:41Caleb Hammer?

  The best education based on what you believe is the best education though?

• 1:04:44Speaker 03

  It's proven. They don't have the scores in the school system.

• 1:04:48Caleb Hammer?

  I, I can vibe with that. Okay, there it is. So it's not because of on the spectrum. Now you're just doing because of the schools themselves in that area.

• 1:04:56Speaker 03

  And the ones that, that-

• 1:04:57Caleb Hammer?

  Yeah, there it is. Caught it. That was fucking caught. Oh.

• 1:05:01Speaker 03

  And it costs a lot of money, and the grant did not cover the one that you needed.

• 1:05:05Caleb Hammer?

  What costs a lot of money?

• 1:05:06Speaker 03

  It costs money. No, not the public schools, the private schools that cover, the special schools that take kids like them.

• 1:05:14Caleb Hammer?

  I mean, this is a chicken and the egg situation. If you don't work, you're gonna live in a lower income area, which typically has worse schools. And that's how it's gonna go. Or if you fucking worked, you could be in a better income situation where you can live in a better place with better schools.

• 1:05:30Caleb Hammer?

  Which one comes first? Which one are you gonna allow? Right now, you're just sitting and saying, "Nothing can change." So I'm not gonna do anything ever in my entire life.

• 1:05:36Speaker 03

  That's why I-

• 1:05:37Caleb Hammer?

  So instead, you're grifting.

• 1:05:38Speaker 03

  No, I'm not trying- No, I'm not.

• 1:05:41Caleb Hammer?

  You're creating a $50 course on something you can't even do yourself.

• 1:05:46Caleb Hammer?

  And you make us all look bad, those who actually sell that.

• 1:05:48Speaker 03

  No, I'm not making anybody look bad.

• 1:05:50Caleb Hammer?

  Yes, it is people like you that make it- Anytime we launch an educational program that actually helps people-

• 1:05:54Speaker 03

  No, I'm not. I'm not. No.

• 1:05:57Caleb Hammer?

  Yes.

• 1:05:57Speaker 03

  No, I'm not.

• 1:06:02Caleb Hammer?

  Caleb, you're right.

• 1:06:04Speaker 03

  You weren't even here for the conversation.

• 1:06:07Caleb Hammer?

  I'm here now.

• 1:06:08Speaker 03

  But you weren't here for it. So you didn't even see the- what I actually put together, so...

• 1:06:12Caleb Hammer?

  Okay, what she put together is a course on safety, and all the modules teach nothing about safety.

• 1:06:18Speaker 03

  You only looked at o- only the first few of them. You didn't look through all of it.

• 1:06:23Caleb Hammer?

  No, there were seven.

• 1:06:23Speaker 03

  And then there- and then on top of that-

• 1:06:25Caleb Hammer?

  I read the summary.

• 1:06:26Speaker 03

  That was just a PowerPoint. That wasn't even the booklet.

• 1:06:28Caleb Hammer?

  I read the seventy- uh, the seven points, though, that the entire thing goes through.

• 1:06:32Speaker 03

  Okay.

• 1:06:33Caleb Hammer?

  Right?

• 1:06:34Speaker 03

  I don't know. I'm not in your head. I can't see through your eyes.

• 1:06:37Caleb Hammer?

  No, but you know what you created. I read what this goes through. Here's seven points.

• 1:06:46Caleb Hammer?

  No?

• 1:06:47Speaker 03

  I don't know.

• 1:06:49Caleb Hammer?

  I can't explain my actions. Why?

• 1:06:54Speaker 03

  What actions?

• 1:06:57Caleb Hammer?

  Okay. Okay. So I hear you're going to Cancun.

• 1:07:05Caleb Hammer?

  And you're pissed about it? For some reason?

• 1:07:08Speaker 03

  No.

• 1:07:11Caleb Hammer?

  Well, seeing how you can't hold down this conversation, I'm not surprised your conversation with the producers in this one are going completely different directions.

• 1:07:18Caleb Hammer?

  Translator, silence for me.

• 1:07:21Speaker 05

  Loading.

• 1:07:24Caleb Hammer?

  Still loading.

• 1:07:27Speaker 03

  The point of going to Cancun

• 1:07:32Speaker 03

  was for the retreat with the agency.

• 1:07:37Speaker 03

  But I am not going.

• 1:07:39Caleb Hammer?

  You're not going?

• 1:07:40Speaker 03

  No, I'm not going.

• 1:07:41Caleb Hammer?

  You're not going?

• 1:07:42Speaker 03

  I'm not going.

• 1:07:43Caleb Hammer?

  Okay. You were going to go at the time of having the conversation with the producers just a few days ago.

• 1:07:49Speaker 03

  I was still considering it, yes.

• 1:07:51Caleb Hammer?

  What has changed?

• 1:07:53Speaker 03

  The flight.

• 1:07:55Caleb Hammer?

  What about it?

• 1:07:57Speaker 03

  That I-

• 1:07:58Caleb Hammer?

  Was it gonna crash? Did the stars say it was gonna crash?

• 1:08:01Speaker 03

  No.

• 1:08:02Caleb Hammer?

  What?

• 1:08:03Speaker 03

  I just have decided not to go.

• 1:08:06Caleb Hammer?

  Because of the flight? What about the flight?

• 1:08:08Speaker 03

  It's just I don't, I can't afford the flight.

• 1:08:10Caleb Hammer?

  Oh, the money, okay, so it wasn't covered, okay. So you had to pay for the flight?

• 1:08:14Speaker 03

  Yes.

• 1:08:14Caleb Hammer?

  It's an actually halfway decent financial choice. You're right, you can't afford it. You put all your money on credit cards and your excuse is because you haven't before in a long while or something. Who even knows with this conversation?

• 1:08:28Caleb Hammer?

  I'll let you do your little thing that people pay for and we can see if it's worth it.

• 1:08:35Caleb Hammer?

  We'll be, we'll be back.

• 1:08:38Caleb Hammer?

  All right. So how much do people pay for this?

• 1:08:43Speaker 03

  I don't normally give readings. It's not something that I'm charged for.

• 1:08:49Caleb Hammer?

  I thought you said, okay, what's your business?

• 1:08:53Speaker 03

  I do, I'm a spiritual life coach.

• 1:08:57Caleb Hammer?

  Okay, life coach me, then. Do you wanna life, spiritual life coach me or do you wanna do my cards?

• 1:09:03Speaker 03

  I'm gonna do your cards.

• 1:09:05Caleb Hammer?

  I'm trying to can see your business. Okay, okay, okay.

• 1:09:09Speaker 03

  I have a website. You can go to the website.

• 1:09:13Caleb Hammer?

  Plug it.

• 1:09:15Caleb Hammer?

  Plug it.

• 1:09:16Speaker 03

  Plug what?

• 1:09:17Caleb Hammer?

  Your website.

• 1:09:17Speaker 03

  Give it to me.

• 1:09:18Caleb Hammer?

  No, say it.

• 1:09:23Speaker 03

  Dot com.

• 1:09:25Caleb Hammer?

  Wasn't it hilarious how that entire thing was bleeped?

• 1:09:28Speaker 03

  Good.

• 1:09:30Caleb Hammer?

  Okay. Keep going.

• 1:09:33Speaker 03

  Okay. Do you have a specific question?

• 1:09:37Caleb Hammer?

  I don't know what I'm supposed to do. Can you, you have to be able to lead people.

• 1:09:42Speaker 03

  Do you have a specific question in mind?

• 1:09:45Caleb Hammer?

  What kind of question am I asking? I don't know how this works.

• 1:09:49Speaker 03

  Do you have a question in mind?

• 1:09:52Caleb Hammer?

  Uh, um, uh,

• 1:09:57Caleb Hammer?

  the, are you gonna be able to make it to the airport without getting lost?

• 1:10:01Speaker 03

  This has to do with you.

• 1:10:04Caleb Hammer?

  Um, what do I, what am I curious about myself? Well, um,

• 1:10:11Caleb Hammer?

  uh,

• 1:10:14Caleb Hammer?

  am I gonna upload this episode?

• 1:10:20Speaker 03

  There you are.

• 1:10:22Caleb Hammer?

  Okay. White dude. Blonde hair.

• 1:10:26Speaker 03

  Well, fair male.

• 1:10:27Caleb Hammer?

  Huh?

• 1:10:28Speaker 03

  Fair male.

• 1:10:29Caleb Hammer?

  Fair male?

• 1:10:30Speaker 03

  Fair male.

• 1:10:31Caleb Hammer?

  Fair male?

• 1:10:32Speaker 03

  Mm-hmm.

• 1:10:36Speaker 03

  There's somebody around you who's a blonde female? More like a cal-.

• 1:10:39Caleb Hammer?

  That's a ginger.

• 1:10:42Speaker 03

  Still?

• 1:10:43Caleb Hammer?

  Oh, okay, yeah, there's, I know a couple blondes.

• 1:10:47Speaker 03

  Ginger.

• 1:10:52Speaker 03

  Do you want a family in the future?

• 1:10:53Caleb Hammer?

  Yeah.

• 1:10:56Speaker 03

  Three kids?

• 1:10:58Caleb Hammer?

  Okay.

• 1:11:04Speaker 03

  Do you have a sports car?

• 1:11:05Caleb Hammer?

  Nope. Uh, it does Zoom, but it is technically a family, family car.

• 1:11:11Speaker 03

  Sports? Like, sports mode?

• 1:11:13Caleb Hammer?

  Yeah, yeah, I guess.

• 1:11:15Speaker 03

  Grapevine. What do you guys be talking about?

• 1:11:18Caleb Hammer?

  What are you saying? Huh?

• 1:11:20Speaker 03

  What do you guys talk about?

• 1:11:20Caleb Hammer?

  Who's you guys?

• 1:11:22Speaker 03

  Like, the people around you, the people that surround you.

• 1:11:25Caleb Hammer?

  Uh, here we talk about work and our lives and things in social.

• 1:11:30Speaker 03

  So are you dating?

• 1:11:33Caleb Hammer?

  Yes.

• 1:11:34Speaker 03

  Okay, have you considered like, is it something serious?

• 1:11:38Caleb Hammer?

  It could be.

• 1:11:40Speaker 03

  Have you made it like official? Because I'm seeing open relationship with this ice queen. If it's not your, if it's not somebody older than you, is she a little bit older than you?

• 1:11:49Caleb Hammer?

  No.

• 1:11:50Speaker 03

  Okay, is she the same age?

• 1:11:52Caleb Hammer?

  No.

• 1:11:52Speaker 03

  Okay, so.

• 1:11:54Caleb Hammer?

  It's going really well. I'm glad people don't pay you for this. Keep going.

• 1:11:58Speaker 03

  Well, I'm just saying, but this part is true.

• 1:12:02Caleb Hammer?

  That I'm a guy? Yes, that is true.

• 1:12:06Caleb Hammer?

  Confirmed.

• 1:12:08Speaker 03

  That you want a family?

• 1:12:11Caleb Hammer?

  Yep, which I think you would get with most people.

• 1:12:15Speaker 03

  The family talking about it? You don't talk about your love life to people? You're pretty detached. You're pretty detached.

• 1:12:22Speaker 00

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• 1:12:51Speaker 03

  Catch from your love life?

• 1:12:54Caleb Hammer?

  And like, what would that mean?

• 1:12:55Speaker 03

  Like, it takes you a while to know that that person is your person.

• 1:12:59Caleb Hammer?

  No, I move quick, actually. You're not doing this very well. I'm sorry. I move quick.

• 1:13:06Speaker 03

  I don't believe you.

• 1:13:06Caleb Hammer?

  I can determine if I like someone quick. I'm snap judgment if I'm going on a second date or not.

• 1:13:14Speaker 03

  That's dating. I'm talking about commitment.

• 1:13:18Caleb Hammer?

  Um, whether or not I want to with that person. It's a little, it's interesting. I mean, this, this person's a little more long distance. So that makes it this one a bit more complicated compared to like something else.

• 1:13:29Speaker 03

  Okay.

• 1:13:33Speaker 03

  I hope it works out.

• 1:13:34Caleb Hammer?

  That's it?

• 1:13:35Speaker 03

  Yeah.

• 1:13:36Caleb Hammer?

  That's all you fucking got?

• 1:13:37Speaker 03

  Yeah.

• 1:13:38Caleb Hammer?

  So nothing?

• 1:13:40Speaker 03

  No, it's very discouraging. I'm sorry, guys, I can't do it.

• 1:13:43Caleb Hammer?

  What?

• 1:13:44Speaker 03

  I can't do it.

• 1:13:45Caleb Hammer?

  You can't do what?

• 1:13:46Speaker 03

  The reading, I got discouraged.

• 1:13:48Caleb Hammer?

  You got discouraged?

• 1:13:49Speaker 03

  Yeah.

• 1:13:50Caleb Hammer?

  Why?

• 1:13:51Speaker 03

  I just damn.

• 1:13:52Caleb Hammer?

  Because half your things you're saying were wrong?

• 1:13:54Speaker 03

  Yeah.

• 1:13:58Caleb Hammer?

  Why would be discouraged as well if I was bad at my job?

• 1:14:02Speaker 03

  Yeah, I am bad. I'm sorry. I can't do this.

• 1:14:07Caleb Hammer?

  What?

• 1:14:08Speaker 03

  I'm very discouraged right now.

• 1:14:10Caleb Hammer?

  Can't do what? The reading?

• 1:14:12Speaker 03

  Yeah.

• 1:14:16Speaker 03

  I mean, just all of it, like the scammer part and just everything. I just was not expecting

• 1:14:28Speaker 03

  like, once this goes out to your to the internet.

• 1:14:33Caleb Hammer?

  Right, of what you were on boarded for.

• 1:14:35Speaker 03

  Yeah.

• 1:14:35Caleb Hammer?

  Multiple times.

• 1:14:36Speaker 03

  Yeah, no, no, no. I totally agree, but I didn't know that.

• 1:14:42Caleb Hammer?

  That I would call it as I see it?

• 1:14:45Speaker 03

  Not necessarily the stuff that I said was going to be

• 1:14:51Speaker 03

  used against me like that.

• 1:14:53Caleb Hammer?

  But you do scam people.

• 1:14:54Speaker 03

  I don't personally scam anybody.

• 1:14:56Caleb Hammer?

  I'm not trying to hurt your feelings, but you're you should not be selling a program online that you are not qualified for.

• 1:15:02Speaker 03

  That is not, that is not, besides that, but the agency is what pays my bills right now.

• 1:15:07Caleb Hammer?

  You call the agency a scam. You said that before you came on the show.

• 1:15:11Speaker 03

  That

• 1:15:11Caleb Hammer?

  Lindsay, what was said? Lindsay, what was said?

• 1:15:14Speaker 03

  But there is

• 1:15:15Caleb Hammer?

  She called the agency a

• 1:15:18Speaker 06

  So you refer to it as a Ponzi scheme because they give you money to pay clients, but if sometimes they don't give you enough to pay clients, so you have to pay them on your credit cards and then they reimburse you, but then it gets categorized as income for you and not as a reimbursement. That's what I had written in my notes.

• 1:15:38Speaker 03

  The way that happened is because they pay me through PayPal. And so if the money is not there in my account, it goes on to the credit card. But that's because the creators have earned that reward and I have to give them that reward.

• 1:15:54Caleb Hammer?

  Listen, the thing is

• 1:15:59Caleb Hammer?

  Like, I call it as I see it, and I know there's roasting here as we had permission for, from you, and as the multiple onboarding videos and phone calls you went through was provided. So I get it. But I'm gonna call it as I see it. I'm not just gonna be like, yes, you should go make a class on something you're not qualified to speak on. Yes, you should stay at a job instead of being irresponsible, honestly. And again, this is not to be an insult parent. And go [bleep] in work and put your kid in a school district that would better cater to their needs.

• 1:16:26Speaker 03

  But you don't understand the area that I live in, so that's not-

• 1:16:29Caleb Hammer?

  Only because you won't go out and get a job.

• 1:16:33Speaker 03

  Again, why do you think I'm trying to move out of that area?

• 1:16:37Caleb Hammer?

  Well, there we go. But you're not gonna be able to unless you get a job.

• 1:16:39Speaker 03

  Right, and I've applied for different jobs to get to that point.

• 1:16:44Caleb Hammer?

  And why don't you get a job? Listen to how you've been in this interview. Let's be real. Let's be real. Let's cut the [bleep]. Let's cut, cut, trying to make jokes on my behalf. Let's be real. If you were applying for a job here, you wouldn't make it halfway into a first round. You need to work on your interview skills. Maybe you need to take programs on your interview skills. You could not hold an interview to save your life. When I ask you about your leadership skills, you say you're organized. Like, you need to work on your interview skills. Your resume is probably a mess. You need to... You're in a cycle right now, okay? Here's the financial audit for you. You're in a cycle where you are not able to make enough money to get out of subsidized housing and you live in a bad area where the school district is bad because you live in subsidized housing.

• 1:17:27Caleb Hammer?

  You know, because you're forced to live in subsidized housing. But you are not able to escape that. And it's because you think you are above where you actually are mentally. You think you will have your skills higher than you actually do. Your resume... Can I see your resume? Do you have a resume?

• 1:17:41Speaker 03

  Yes.

• 1:17:42Caleb Hammer?

  Can I please see it?

• 1:17:44Caleb Hammer?

  This is a no bull [bleep], okay? I'm not bull [bleep]. I'm not roasting anymore. I'm not doing anything. Let's be honest of where you're at. That's where it is. You're in some entrepreneurial zone where you put in 30 hours a weekend in nothing. Instead of actually, listen, if you have time to work 30 hours, I bet we could at least do some online bull for seven hours an hour.

• 1:18:08Caleb Hammer?

  Which is more money than zero. Okay, resume, one and a half pages, immediate, eh, you're getting cut.

• 1:18:15Speaker 03

  That is.

• 1:18:17Caleb Hammer?

  Really, you're gonna defend it against it even though we already know where you're in?

• 1:18:20Speaker 03

  That is a condensed version because not everybody wants.

• 1:18:23Caleb Hammer?

  Your condensed version is a page and a half. I thought we were cutting the bullshit.

• 1:18:28Speaker 03

  That is the condensed version of my resume. That's the most recent experience that I have.

• 1:18:33Caleb Hammer?

  Can you listen to someone that has helped people get into career tracks that have helped change? It should be no longer than one page for your position. For what you're trying to do. Okay, let's look at what's actually in here. I, I don't know why there's a personal summary on your resume. Honestly, I thought you, you should probably just have skills. You know, relevant skills that will get keyworded through the search algorithm. As for applying, okay? This is as someone who's actually going through like hundreds of resumes a day because we're hiring a lot. But okay, here, results driven with, the spacing is horrible. This is double spaced, it's harder to read. Results driven professional with expertise in onboarding, project coordination, and customer success. What is the job you're applying for for that? Because that is everywhere.

• 1:19:15Caleb Hammer?

  A resume should be tailored to the job that you're trying to do. No wonder you're not getting interviews.

• 1:19:21Caleb Hammer?

  Skilled in, okay, what AI service did you use for this? Skilled in process optimization, training and development, and quality assurance with a proven space, space, space, ability, space, space, space, to space, space, drive, space, space, space, efficiency, and enhanced team performance. Adept at stakeholder communication. Oh, these are just buzzwords central.

• 1:19:45Caleb Hammer?

  Okay.

• 1:19:47Caleb Hammer?

  Competence management and technology-driven solutions.

• 1:19:51Caleb Hammer?

  Seeking a role in onboarding, project coordination, quality assurance, or customer success, where I can leverage my expertise in operational existence. And we got to single spacing at that point, okay.

• 1:20:04Caleb Hammer?

  No offense, I see, I'm cutting the... I would not interview you. I would not put you into a first-round interview. Just looking at that, and I've barely made it a third into one page, okay? Can you take that to heart? Because I want you to get a good job, because I want you to have a better life for your kid, okay? Can you take that into heart? If we walk away with anything, your resume, okay?

• 1:20:27Speaker 03

  Again, that was just a condensed version. Yes, okay.

• 1:20:30Caleb Hammer?

  A condensed version is all it should be. You should not have a four-page resume.

• 1:20:34Speaker 03

  Right.

• 1:20:35Caleb Hammer?

  A resume should be a condensed version. I'm not making fun of you. I am, I want you, let's walk away with actionable things, okay? All these spacings, it's weird that that first part was just pointless, okay? Core skills and competencies, okay? See, it feels like we basically already talked about that. So we're double-dipping, except this is like the bullet point version. Onboarding and training, process improvement, project coordination, talent acquisition, customer success, stakeholder engagement, quality assurance, competence auditing, HEDIS, Microsoft Office Suite, Google Docs, SharePoint, CMS. Okay, everyone already assumes Microsoft Office Suite and Google Docs. You really don't have to do that.

• 1:21:15Caleb Hammer?

  A lot of these things, you really need to focus, are you going to be a recruiter? If you're going to be a recruiter, let's focus on just recruiting skills. Are you going to be a customer service representative? Let's focus on customer service. You're double-dipping in both, and then all of a sudden we went into auditing, like, okay. Okay. Professional experience. Creator or manager, this is your current job?

• 1:21:36Speaker 03

  Creator-manager, mhm.

• 1:21:38Caleb Hammer?

  Recruit, train, support, content creators, tech support platforms, ensuring alignment, developing onboarding processes, providing on, feedback, okay.

• 1:21:48Caleb Hammer?

  This is all very long-winded. Did you put this through a resume program? Because they can like tell you how bad it is.

• 1:21:55Speaker 03

  Yeah, I did.

• 1:21:56Caleb Hammer?

  And?

• 1:21:57Speaker 03

  I did one through Indeed and...

• 1:22:00Caleb Hammer?

  Okay, onboarding specialist, good. Okay, let's focus on onboarding. You might be a recruiter. You might be a good recruiter. You might be a good recruiter. That could be a thing. And that's money. It's commission. A lot of it. Sometimes it's flat. Connected virtual orientations, educated new hires, assessed candidate qualifications. Lead onboarding project administrator from 2015 to 2019. Service lead onboarding, where we know that. That's what the job title was. Conducted quality insurance audits, manage case analysis. Project coordinator, compliance analyst. Okay. Education. High school diploma, health service manager. You don't say what you got. Did you get a certification? Or like, did you get a degree?

• 1:22:45Caleb Hammer?

  Because you're not saying, you're just saying where the location was.

• 1:22:48Speaker 03

  They fixed it like that, but I have

• 1:22:50Caleb Hammer?

  Okay.

• 1:22:51Speaker 03

  two AA degrees and two certifications.

• 1:22:57Caleb Hammer?

  Technical skills, ATS, HR software. Yeah, yeah, you need to be focused this up. Do you want to be a recruiter? A talent recruiter?

• 1:23:05Speaker 03

  I was trying to stay along the lines with the creator manager.

• 1:23:11Caleb Hammer?

  Okay. Is that what you want to do? Is that the dream job?

• 1:23:14Speaker 03

  That's not my dream job.

• 1:23:15Caleb Hammer?

  Okay, what's your dream job? Let's do that.

• 1:23:18Speaker 03

  I would like to be an entrepreneur and...

• 1:23:20Caleb Hammer?

  That's not a job. You'd have to tell me what you want to be an entrepreneur in.

• 1:23:25Speaker 03

  Really, it's to be, to have my own agency. Not on TikTok, but in like entertainment, like helping people get brand deals and sponsorship.

• 1:23:36Caleb Hammer?

  Okay. Okay. So maybe before you do that, you should work at an agency.

• 1:23:42Speaker 03

  I've, that's why I started to apply and that was one reason why I was coming to Austin, was to bring, put myself in that industry because this is like the little tech central.

• 1:23:56Caleb Hammer?

  Austin's big with that?

• 1:23:57Speaker 03

  Yes.

• 1:23:58Caleb Hammer?

  Okay. Well, okay, then we need to cater our resume to that. Your resume is not catered to that right now. Right now, it's about onboarding customers and recruiting talent. You know, let's focus on your sales skills, scale, sales skills and being able to manage those relationships and keep those brands around. Okay? Uh, and also unless you're on like the talent acquisition side, then focus on that. That resume is close to that. Get rid of that first section. Let's make it just get the, the, the, the words needed to get through the algorithm. Use the resume services that are online. It's like a couple bucks. It's usually worth it. Like when I did that, when I was looking for my second product management job, when I moved from my first company that I worked for, when I moved down here to Austin,

• 1:24:38Caleb Hammer?

  I just, I gamed the resume and I got interviews, like five interviews a day. Five interviews a day. It was an easier time for hiring. I will acknowledge that. But, and then I nailed those interviews and I made it to final rounds endlessly. You just have to play the game. It's all a game, unfortunately. That's what it is. That's what you have to do.

• 1:25:00Caleb Hammer?

  Okay. We have a Navy Federal.

• 1:25:05Caleb Hammer?

  So two Navy Federals?

• 1:25:07Speaker 03

  Cards?

• 1:25:09Caleb Hammer?

  Well, this is a, uh, this is a loan, it seems, of $3,678.33.

• 1:25:18Caleb Hammer?

  What is it for?

• 1:25:20Speaker 03

  That's a leftover balance?

• 1:25:23Caleb Hammer?

  For what?

• 1:25:24Speaker 03

  I'm asking this, is that if that's what you're looking at?

• 1:25:27Caleb Hammer?

  Remaining balance is $3,678.33.

• 1:25:30Speaker 03

  So originally I was going to get, um, have a surgery and, um,

• 1:25:36Caleb Hammer?

  You okay?

• 1:25:37Speaker 03

  Yes.

• 1:25:38Caleb Hammer?

  Okay.

• 1:25:38Speaker 03

  And it was just an elective surgery and I,

• 1:25:42Caleb Hammer?

  But you didn't have the surgery?

• 1:25:43Speaker 03

  I didn't have it and I just decided to keep the money in there.

• 1:25:52Caleb Hammer?

  You have a kid, two. The 20 year old, do they help?

• 1:25:58Speaker 03

  No.

• 1:26:00Caleb Hammer?

  Are they still at home?

• 1:26:02Speaker 03

  Yes.

• 1:26:03Caleb Hammer?

  They live at home?

• 1:26:04Speaker 03

  Yes.

• 1:26:06Caleb Hammer?

  Rent? You haven't paid rent?

• 1:26:08Speaker 03

  No.

• 1:26:09Caleb Hammer?

  Haven't paid rent? Does he work?

• 1:26:11Speaker 03

  Um, he does some side jobs, but he's going to school.

• 1:26:15Caleb Hammer?

  Oh, okay. What does he do?

• 1:26:16Speaker 03

  He does software engineering.

• 1:26:18Caleb Hammer?

  School? For school? That's great. Okay, full time school?

• 1:26:21Speaker 03

  Mm hmm.

• 1:26:22Caleb Hammer?

  Okay, I'm, I support that. Cool. Good. He doesn't have to pay rent. By the way, if you want to come on the show, you can go to Caleb Hammer account on social plane. If you don't want to be like this, use the budget app. If you sign up for the annual version, I'll send you the cookbook for free, right to you, signed by me. Okay, so the personal loans, the 11.19% and you just kept it? When did you take it out?

• 1:26:39Speaker 03

  21 or 22.

• 1:26:41Caleb Hammer?

  No, it wasn't. You've been holding this for that, for years? Three, four years?

• 1:26:47Speaker 03

  Yeah.

• 1:26:48Caleb Hammer?

  How much was it when you borrowed it? What was the original amount?

• 1:26:50Speaker 03

  I think it was 8,500.

• 1:26:54Caleb Hammer?

  Dude, that's 281. No wonder you can't survive. You keep building these debts and then you have these minimum repayments that you can't even come close to affording. They have notes for things throughout the conversation so I can follow along because they know your story. I don't, I go in blind. But they're not bringing up the bad things that happened at that job. They're specifically saying that you told them that you were having conversations to get people placed in jobs at service industries, but that last minute people to fill spots at establishments. Like, they're not bringing up any of the stuff you brought up?

• 1:27:25Speaker 03

  I'm pretty sure that the NDA has expired because I tried to sue them.

• 1:27:32Caleb Hammer?

  I don't know if that makes an NDA expire, you trying to sue them.

• 1:27:35Speaker 03

  Yeah, because I didn't go with the right to sue.

• 1:27:41Caleb Hammer?

  Huh? At firing?

• 1:27:43Speaker 03

  The last job that I worked at.

• 1:27:44Caleb Hammer?

  You've signed like a severance agreement?

• 1:27:46Speaker 03

  No, I didn't sign it.

• 1:27:47Caleb Hammer?

  Okay, so you can't sue.

• 1:27:48Speaker 03

  But I went to, I went through the process of going the, like...

• 1:27:54Speaker 00

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• 1:28:22Speaker 03

  Through the government to get it.

• 1:28:24Caleb Hammer?

  And?

• 1:28:25Speaker 03

  So because I didn't have a lawyer and they had lawyers, they didn't, they got, they got away with it.

• 1:28:33Caleb Hammer?

  I agree, but you didn't report it to a government agency of some kind?

• 1:28:36Speaker 03

  Yes, I did.

• 1:28:36Caleb Hammer?

  You did, and what happened?

• 1:28:37Speaker 03

  They let it go because, and they gave me the right to sue them. So they're saying that on their end, no laws were technically broken because it was with the third party of the individuals.

• 1:28:49Caleb Hammer?

  Unfortunately, I can, I can see that legally. I can see that legally. Now, however, you reporting them, I would have rather than put in some safety mechanisms, but it's probably impossible. And unfortunately reasonable to assume that they cannot control what a third party does. Third party was a piece of [BLEEP]. They couldn't do anything though, right? And you can analyze that, right?

• 1:29:12Speaker 03

  To a certain extent, but if it's happening not just to me, but other-

• 1:29:16Caleb Hammer?

  I agree. They need, they would need to put in a lot of safety mechanisms, lots of vetting.

• 1:29:20Speaker 03

  And not just vetting, but the background checks. They, there's no background checks on, on the platforms like that.

• 1:29:26Caleb Hammer?

  Would the background checks show that they will show PP?

• 1:29:30Speaker 03

  Not show PP, but eliminate the predators that are coming on to, because-

• 1:29:35Caleb Hammer?

  So if they're on the sex offenders list?

• 1:29:36Speaker 03

  Yeah, there's-

• 1:29:37Caleb Hammer?

  Okay, I agree.

• 1:29:38Speaker 03

  We're bringing people on to the platform that even if they do say that we vet them and they clear that vetting stage, but we're sending them out to clients and now they're sexually harassing people in public.

• 1:29:52Caleb Hammer?

  I agree, I'm understood. I agree. I don't know if there's a legal case there, that's the hard part, because I can see the reasonable doubt of like, oh, you know, we can't control, but what they're, what someone's going to do regardless of who they are, but I agree, they should have put in a lot more safety mechanisms.

• 1:30:07Caleb Hammer?

  What? Okay, what is this? $13,939.12 with a 3.19% interest rate loan. It's much, it's a very reasonable interest rate. What is this?

• 1:30:15Speaker 03

  My car.

• 1:30:16Caleb Hammer?

  That's not bad. I mean, the minimum payment is bad. And that's what's a struggle to you is this is a fourth of your income on a monthly basis. This is a fourth of your income because you won't go get a job. What's the car?

• 1:30:28Speaker 03

  A Highlander.

• 1:30:29Caleb Hammer?

  Year?

• 1:30:30Speaker 03

  Twenty-one.

• 1:30:31Caleb Hammer?

  Okay, well, it's worth $37,000? Sell it, get a $10,000 car and pay off your, pay off all, what the fuck? And pay off some of this debt so you can get rid of minimum payments because the minimum payments are what are killing you. What are we do- what are we doing? Sell this yesterday. Thirty-eight thousand bucks. What?

• 1:30:54Caleb Hammer?

  Why haven't you?

• 1:30:56Speaker 03

  Because it's, I don't know, something that I worked so hard to get.

• 1:31:00Caleb Hammer?

  I agree, but now you have a lot of debt and I care about you being able to keep the roof over your head? And when you can't even pay a hundred dollar rent, that's when you know it's getting bad. Okay, are these student loans? How much is student loans? Oh, it's gone, it's gone from 62,000 to 68,000, right?

• 1:31:21Caleb Hammer?

  You're probably on like-

• 1:31:22Speaker 03

  No, it's that they stopped it at 68.

• 1:31:24Caleb Hammer?

  Yeah, current, okay, so

• 1:31:28Caleb Hammer?

  what's your minimum payment?

• 1:31:29Speaker 03

  I don't make any payments a month.

• 1:31:31Caleb Hammer?

  And that's why it's going up because there's probably interest accruing and you're low income enough because you won't work to get.

• 1:31:39Caleb Hammer?

  So this is zero.

• 1:31:43Caleb Hammer?

  You, you don't have to be in that position.

• 1:31:48Caleb Hammer?

  Uh, okay, Go program? What's that?

• 1:31:51Speaker 03

  My child support.

• 1:31:52Caleb Hammer?

  So she gets her child support in there and then she goes to Dairy Queen, Hello Sugar, Fries, In-N-Out, Fries, KFC. Not one necessity so far. Shoebox, Jack in the Box.

• 1:32:02Speaker 03

  The shoebox.

• 1:32:03Caleb Hammer?

  That's money coming in. Dutch Bros, Dairy Queen, Hello Sugar, Fries. There's not one thing in here. Uh, going in, getting some BS. There's money coming in. Cartel Roasting, Taco Bell, McDonald's. Wow. So none of the child support is going to necessities right now?

• 1:32:19Speaker 03

  Some of it does.

• 1:32:20Caleb Hammer?

  Okay. Well, so far, no.

• 1:32:21Speaker 03

  Fries is a grocery store.

• 1:32:23Caleb Hammer?

  Hmm. Okay. Let me see. Yeah, but it was 18 bucks. I highly doubt you got groceries for 18 bucks. You went in there, he stops and got some BS. Like almost anytime we vet anything under $25, it's usually BS when people stop at a place like Target, gas station, grocery.

• 1:32:38Speaker 03

  Well, it's for her.

• 1:32:40Caleb Hammer?

  Uh, Chapman's Sunday, Davenport, Sam's Boat, whiskey river. Went and got some BS. Went and got some BS. There hasn't been one thing from our child support to support a trial. Gas. There we go. I can, can do gas, but that's one out of what? What have we done? 20 so far? Chick-fil-A, Texas news, $41? Oh my gosh. Chapman and Kirby, Chapman and Kirby. This is your child support money. I'm, I'm, I'm a little disgusted right now. I'll be honest. I'm just gonna, I'm cutting it. I'm got the bullshit. I'm a little disgusted. Went and got some BS, Jersey Mike's, grill, auto,

• 1:33:25Caleb Hammer?

  gas, Chick-fil-A, Dutch Bros, Jack in the Box, Applebee's, McDonald's, Dutch Bros, Audible. We already talked about going to the library, come fuck on. In-N-Out, Moose Creamery. There's your child support coming in. So we got ink and Dutch Bros and Jack in the Box. Listen.

• 1:33:44Caleb Hammer?

  That says all that needs to be said. No, no, no.

• 1:33:48Speaker 03

  Okay. That is, that is her. If that's what she wants, then she can have that.

• 1:33:52Caleb Hammer?

  Let's cut through the bullshit. She's in nine, right?

• 1:33:57Speaker 03

  She's eight. If that's what she wants.

• 1:34:00Caleb Hammer?

  You know what? She, it's up to her.

• 1:34:02Speaker 03

  If that's what she wants.

• 1:34:03Caleb Hammer?

  An eight-year-old. Maybe we should do school supplies. Maybe we should focus on.

• 1:34:07Speaker 03

  She has that.

• 1:34:09Caleb Hammer?

  Buddy, you're, all your child support money is going to fast food. It is disgusting and unacceptable.

• 1:34:15Speaker 03

  Okay.

• 1:34:16Caleb Hammer?

  You disagree.

• 1:34:19Caleb Hammer?

  Do you disagree?

• 1:34:20Speaker 03

  No.

• 1:34:21Caleb Hammer?

  Then why do you allow it?

• 1:34:23Speaker 03

  Because that's what she wants.

• 1:34:25Caleb Hammer?

  Okay, can someone correct me if I'm wrong? Does the eight-year-old get to choose where their child support money goes? Is that how it works legally? I don't think that's how it works legally.

• 1:34:34Speaker 03

  They're only paying a certain portion. It's not even a lot of money that is-

• 1:34:38Caleb Hammer?

  It's forty percent of your income.

• 1:34:40Speaker 03

  If that's what she wants.

• 1:34:44Caleb Hammer?

  Does a eight-year-old child get to choose where her child support money goes? Or does the primary caretaker, who is receiving the child support for that child, get to choose where that money goes? Shall we find out?

• 1:35:03Caleb Hammer?

  Because again, I don't believe you, but it's like, you're able to scam people in a very convincing way where I think you're doing that.

• 1:35:12Speaker 03

  Who is scamming?

• 1:35:13Caleb Hammer?

  Okay, child, the primary caretaker receives the child support, has full control over deciding how the money is spent, not the child, especially now at the age of eight. There we go, [bleep] you. I mean, like, I'm disgusted. I'm disgusted. This went from a funny conversation in the beginning because you couldn't answer the conversation, to a conversation where I'm cutting the [bleep], to a conversation where I'm now disgusted. And then the checking account, it's all [bleep]. It's all [bleep]. One dollar in the checking account? Come on, this is [bleep] Grubhub.

• 1:35:39Speaker 03

  One, one dollar?

• 1:35:40Caleb Hammer?

  Grubhub! Sorry, sorry, sorry, sorry. No, there's more than that. That was the dividend. Four thousand. I don't know why we're not paying out that, but we're moving money, moving money, moving money. PayPal, PayPal, PayPal, PayPal, Dutch Bros. PayPal.

• 1:35:58Caleb Hammer?

  Grubhub. PayPal. Dutch Bros. PayPal. PayPal, PayPal. Can you polish your PayPal for me? PayPal, PayPal, PayPal. Cash app, cash app. I want to see the cash app, too.

• 1:36:10Caleb Hammer?

  Because ew, disgusting. Thousand savings.

• 1:36:18Caleb Hammer?

  I'm ashamed.

• 1:36:21Caleb Hammer?

  Do you not feel ashamed?

• 1:36:25Caleb Hammer?

  Not to make you feel bad, but just the reality of your situation.

• 1:36:32Caleb Hammer?

  It's giving people birthday money, super chat money, super chat money. Super chat money for the dog, super chat, super chat, super chat. What is all the super chat? It's all for one person.

• 1:36:44Caleb Hammer?

  Tell me what it is.

• 1:36:45Speaker 03

  It's a super chat.

• 1:36:46Caleb Hammer?

  You have to pay them?

• 1:36:47Speaker 03

  I pay them.

• 1:36:48Caleb Hammer?

  I thought you were done with that.

• 1:36:50Speaker 03

  For TikTok? Yeah.

• 1:36:52Caleb Hammer?

  Oh, dude, it's $10 super chat, $10. And they're just replying heart, heart. You're super chatting this, this person endlessly.

• 1:37:00Speaker 03

  Endlessly? It's not endlessly.

• 1:37:01Caleb Hammer?

  No, it's endlessly. It's twice a day. Dude, it is all your money. That was Cash App. What about the PayPal? I asked for the PayPal.

• 1:37:12Caleb Hammer?

  Log in, please.

• 1:37:20Caleb Hammer?

  She has a pay later balance. Guys, she has a pay later balance of $700. She has a pay.

• 1:37:29Caleb Hammer?

  We didn't even know this.

• 1:37:32Caleb Hammer?

  We didn't even fucking know this.

• 1:37:36Caleb Hammer?

  Travel, travel.

• 1:37:39Caleb Hammer?

  Jeez.

• 1:37:47Caleb Hammer?

  Domino's. Starbucks. TikTok. Fiverr.

• 1:37:56Speaker 03

  No, the TikTok?

• 1:37:57Caleb Hammer?

  Union. TikTok, TikTok.

• 1:37:59Speaker 03

  That's not.

• 1:38:00Caleb Hammer?

  Yes.

• 1:38:01Speaker 03

  That's not, that's not what I'm spending on.

• 1:38:03Caleb Hammer?

  Yes, those were negative. I didn't call out the positives.

• 1:38:08Caleb Hammer?

  Sheen, Bull. I'm not even gonna go through it all. This is all, this is so fucking stupid. I'm, I'm disgusted and this is, this is, this is, this is shame, this is shameful. This is shameful. I'm so sorry, kind of.

• 1:38:26Caleb Hammer?

  Uh, Black Century Black Dating App. That's our active subscription.

• 1:38:30Speaker 03

  No, it's not active.

• 1:38:31Caleb Hammer?

  Uh, it looks like you've set it to cancel. You set it to cancellation, yes. Okay. I'm sorry. I'm sorry. This is the reality and the fun, the fun fact is I'm gonna break my promise immediately. I promised Lindsay that I'm making a budget for every episode. There's not a budget to be made here. Come on, you have to agree. This isn't a budget issue. She's blowing all her money. She won't go get a job. She, well, she can't create a resume to get a job. She's not willing to like work with people. I'm sorry, there's not.

• 1:39:04Speaker 03

  There's not, it's not a fact that I won't create a resume.

• 1:39:08Caleb Hammer?

  You're spending thirty hours a week on education.

• 1:39:10Speaker 03

  That I'm not doing the things that I'm supposed to be doing to get myself ahead. I am. You're not at my house. You're not on the computer with me. You don't know the things that I'm trying to.

• 1:39:20Caleb Hammer?

  I think we've seen in your life pretty well here.

• 1:39:22Speaker 03

  Okay.

• 1:39:23Caleb Hammer?

  It was a snapshot, but I think we're getting a pretty clear picture. This is the reality. You need to master your resume. You need to figure that out like crazy. Put it through every service, one page, no more spaces, cut that top section, algorithmically define it for the job you're looking for instead of five jobs in one resume. You need to algorithmically make it pungent for what you're going for. You get all the resources and I know it's bad when I don't make a budget, but there's no budget. That is not the issue. That is not the issue. You blow all the money. That is not the issue, you living in a budget. You couldn't because you make no money because you spend all your time around. I'm sorry, Hammer Financial Score, zero out of ten. We'll talk more

• 1:40:06Caleb Hammer?

  in the post show and usually it's a little happier, but they probably know something that they know. See, now we didn't even go through like half their fucking notes. I'm sure there's some juicy stuff we're gonna talk about. So join Hammer Lee for the best YouTube membership on the entire platform. The platform has said it themselves. And make sure you download the simpler budget app. Sign up for the premium version for annual. I'll send you the cookbook signed right to your doorstep.

• 1:40:30Speaker 04

  And maybe you could use it and actually cook a meal sometime. Instead of going and jacking the box. Seen the box.

• 1:40:35Caleb Hammer?

  You're getting in drama with other creators, what?

• 1:40:37Speaker 03

  Yeah, I had to put injunction of harassment against somebody.

• 1:40:40Caleb Hammer?

  Who? On TikTok. Is it a big creator?

• 1:40:42Speaker 03

  He is a mediocre creator.

• 1:40:44Caleb Hammer?

  You had to file harassment against this guy?

• 1:40:46Speaker 03

  He used to play for the Seahawks.

• 1:40:48Caleb Hammer?

  He played for the Seattle Seahawks? How much were you paying in this chat?

• 1:40:51Speaker 03

  Yeah, it was like... I was definitely...

• 1:40:55Caleb Hammer?

  I was joking, but I guess not. Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:41:07Speaker 00

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