She Came Here To Cancel Me | Financial Audit

*FREE BONUS EPISODES* - I am personally paying for your Hammer *ELITE* subscription for the first month https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join Sign up for *ELITE* and I'll send you a digital gift card covering the $10 cost. In today's post show, SHE HAS A PAYDAY LOAN SHE HID FROM ME- I freak the F out and have to destroy her entire existence... Submit proof of purchase at https://hammerelite.com for reimbursement. MAJOR ANNOUNCEMENT* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ plus you get the cookbook signed by me when you join! Download the *DollarWise 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. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Download the *DollarWise 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 1. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 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/ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS FROM THE OTHER APP* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 3.5% IRA Match, 12-month Wall Street Journal subscription, and 30 days of Webull Premium. 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. 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) 5. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 6. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 7. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶More Content 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

  Life is all about making decisions. Sometimes you make questionable ones. Like buying a new TV that's too big for the wall because the electronics store employee was a little too good at their job. Then, sometimes you make great ones. Like protecting your home and auto with Progressive. You get customized coverage options so you can be sure you have the right coverage. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers, not available in all states.

• 0:31Speaker 01

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

• 0:56Caleb Hammer?

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

• 1:01Speaker 03

  Dang, that's crazy.

• 1:03Caleb Hammer?

  What?

• 1:03Speaker 03

  You're fake.

• 1:05Caleb Hammer?

  Instead of just saying, "Oh, you're right." It's, "Oh, I'll look into it." Like, shut up.

• 1:09Speaker 03

  Oh, my God. Why do you want to hear that you're right so bad?

• 1:12Caleb Hammer?

  [bleep].

• 1:14Speaker 03

  You can't say that. You're going to get canceled for that one.

• 1:16Caleb Hammer?

  Yeah, why don't you take control of the conversation?

• 1:18Speaker 03

  You say like, [bleep].

• 1:19Caleb Hammer?

  Oh, [bleep]. What did I look into?

• 1:21Speaker 03

  Okay, listen.

• 1:23Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase at hammerelite.com. After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

• 1:50Speaker 03

  Hi, my name is Naomi. I'm 26 and I live in Tampa, Florida, and you're watching Financial Audit.

• 1:57Caleb Hammer?

  Thanks for coming over from Florida. What do you do for a living there?

• 2:00Speaker 03

  Uh, I'm an entrepreneur. So I do hair.

• 2:05Caleb Hammer?

  You know, when I say what, when someone asks me what I do for a living, I don't say I'm an entrepreneur. I say, I make YouTube videos. I own a business that makes, you know, YouTube videos and educational services.

• 2:17Speaker 03

  Mm hmm. Yeah.

• 2:18Caleb Hammer?

  No one answers, I'm an entrepreneur unless they're unemployed.

• 2:22Speaker 03

  Well, I mean.

• 2:24Caleb Hammer?

  So you do hair?

• 2:25Speaker 03

  Yeah, I do hair. Um, I do a lot of other arts and crafts and stuff like that. And I make money off of it. Like I make rugs.

• 2:32Caleb Hammer?

  You make rugs?

• 2:33Speaker 03

  Yeah, I do. Yeah, I have, um, like a tufting frame as well as like the tufting gun and everything. So usually.

• 2:39Caleb Hammer?

  You're the one at the little pop-up markets that sells things that look like they were made out of a spare bedroom?

• 2:44Speaker 03

  Uh, not pop-up markets, but I just kind of word of mouth.

• 2:48Caleb Hammer?

  Actually, really?

• 2:49Speaker 03

  Yeah, yeah.

• 2:50Caleb Hammer?

  Okay, okay.

• 2:51Speaker 03

  Yeah.

• 2:51Caleb Hammer?

  Well, that's pretty cool. Congratulations. It's exciting. And you're able to fully sustain yourself off of this?

• 2:56Speaker 03

  Uh, no, that's why I moved back in with my dad.

• 3:00Caleb Hammer?

  Okay. At 26, yeah. I mean, I like the entrepreneurial mindset. Is this a sustainable business? Is this something long-term? Listen, I was, I was gonna be more on board if we were maintaining our lifestyle and maybe, you know, making some good financial choices around this business. But if we're moving in with daddy just to live, I would suggest the business, the market is telling the business, bye, bye. I buy my business.

• 3:29Speaker 03

  Wow.

• 3:30Caleb Hammer?

  So tell me what you make from this thing?

• 3:32Speaker 03

  Um, in total with everything, I would say about a thousand.

• 3:36Caleb Hammer?

  Oh, good. What are you?

• 3:40Caleb Hammer?

  I don't wanna take a shit all over you, but what the fuck are you doing?

• 3:44Speaker 03

  That's why I'm moving back in with my dad.

• 3:47Caleb Hammer?

  So someone's gonna take a shit all over you?

• 3:49Speaker 03

  No, I mean to fix everything. Cause my dad is trying to help me out.

• 3:53Caleb Hammer?

  Oh, something tells me I'm gonna have to talk to him at some point. Okay. Uh, well, I would suggest the fix to you figuring everything out is, uh, maybe a thousand dollars a month isn't enough to live on and you need a real job.

• 4:08Speaker 03

  Working on it.

• 4:09Caleb Hammer?

  You're working on getting a real job?

• 4:11Speaker 03

  Yes, my job right now.

• 4:13Caleb Hammer?

  Huh?

• 4:13Speaker 03

  My job is working on getting a real job right now, or not real job, but like making my own business.

• 4:18Caleb Hammer?

  No, and

• 4:18Speaker 03

  I'm making a salon in my dad's house.

• 4:21Caleb Hammer?

  No, no, no, no, no, no, no, no, no. Is that like city approved, permit approved? Is that a legal operation?

• 4:28Speaker 03

  Well, that's what I have to look into.

• 4:30Caleb Hammer?

  Oh my

• 4:31Speaker 03

  So I'm saying, I'm trying, starting from the zero.

• 4:34Caleb Hammer?

  Okay. What did I

• 4:36Speaker 03

  Okay, listen, I, don't worry, I brought my life right here. This is for you to fix. I have it written out. I have some things I want you to look into.

• 4:47Caleb Hammer?

  Yeah, why don't you take control of the conversation?

• 4:48Speaker 03

  All right, let's see.

• 4:52Speaker 03

  Okay, so.

• 4:55Speaker 03

  I have.

• 4:57Caleb Hammer?

  Home and Arrow is pointing to.

• 5:00Speaker 03

  Oh yeah, it's a prototype for a shirt I'm working on.

• 5:04Caleb Hammer?

  You're working on a shirt that says Home and Arrow that points towards armpit.

• 5:09Speaker 03

  For my band.

• 5:13Caleb Hammer?

  She has a band.

• 5:14Speaker 03

  Yes. I have a life.

• 5:19Caleb Hammer?

  You have a life.

• 5:20Speaker 03

  Yes, in here.

• 5:22Caleb Hammer?

  Well, hopefully outside of that as well.

• 5:24Speaker 03

  Okay, I see.

• 5:25Caleb Hammer?

  No, but obviously, if you're trying to figure it out, I have figured it out. Your business is not a business and this is a hobby and that's exciting and maybe you should go to cosmetology. Did you go to cosmetology school?

• 5:39Speaker 03

  Yeah, I, I'm a licensed cosmetologist.

• 5:41Caleb Hammer?

  Good, work for a salon, work for a real

• 5:43Speaker 03

  I have.

• 5:44Caleb Hammer?

  There you go, already better.

• 5:46Speaker 03

  But I know, I don't like the atmosphere of it.

• 5:48Caleb Hammer?

  Work at a different location.

• 5:50Speaker 03

  I wanna have my own, I wanna be my own boss.

• 5:52Caleb Hammer?

  Sure you do, you can't afford it, you're not doing well. You gotta build up a list of clientele.

• 5:57Speaker 03

  I have.

• 5:57Caleb Hammer?

  At a place a much larger than a thousand dollars a month.

• 6:00Speaker 03

  Well, I'm working on it, yeah.

• 6:02Caleb Hammer?

  Cause you're no longer at a salon, you're trying to build something out of your dad's place illegally, by the way.

• 6:07Speaker 03

  Well, I have to figure it out, yeah.

• 6:10Caleb Hammer?

  I have to figure it out, that's interesting, I just told you, I have figured it out. You do not make enough. The business is not a business, it is a hobby, it is illegal to run this out of your dad's house, most likely. If, if you're actually building like a salon there.

• 6:26Caleb Hammer?

  To host clientele out of.

• 6:28Speaker 03

  Well, I just moved.

• 6:30Caleb Hammer?

  In with your dad.

• 6:31Speaker 03

  Yeah, from Orlando to Tampa. And.

• 6:35Caleb Hammer?

  Oh, great. So that's our clientele's.

• 6:38Speaker 03

  No, it's not because my clientele started in Tampa because I'm from Tampa. And so I have people there waiting for me and then I moved to Orlando. So now and people in Orlando said that they were willing to come.

• 6:50Caleb Hammer?

  No, they're not.

• 6:51Speaker 03

  Also, I'm gonna get a portable sink.

• 6:53Caleb Hammer?

  Thousand hours a month, they're not willing to drive.

• 6:56Speaker 03

  Well, also, yes, they are.

• 6:58Caleb Hammer?

  Thousand hours a month, you have like three clients. I highly doubt. If you're only making a thousand, you are not valued enough for them to drive three hours.

• 7:04Speaker 03

  I don't charge a lot. That's the thing. That's the issue I have. Yeah, no, that's.

• 7:08Caleb Hammer?

  Yeah, why survive? Why live? Why have a thriving business?

• 7:12Speaker 03

  I.

• 7:13Caleb Hammer?

  I give it whatever this is. I don't even know.

• 7:16Speaker 03

  Me thinking of it. And then I got overwhelmed because I'm like, I keep. Everything. And that was just my thought process. Oh, my God.

• 7:26Caleb Hammer?

  Price sheet haircuts, clipper cut thirty, short cut thirty-five, medium chin to mid back. Forty-five, a long chin. Okay, so this is your price. Hair wash and drink. Okay.

• 7:43Speaker 03

  Yeah, that was me kind of thinking out loud. I'm, I just need help with making a price sheet.

• 7:47Caleb Hammer?

  Every place offers a drink with a haircut these days. It's not very unique.

• 7:50Speaker 03

  I know.

• 7:51Caleb Hammer?

  What are you offering? Tarot reading?

• 7:53Speaker 03

  Yes, I can offer you one right now.

• 7:55Caleb Hammer?

  Did you even, did you bring exploding kids?

• 7:58Speaker 03

  I literally, okay, this one I want to save for the ends because I know you're gonna get some valuable advice off of this one.

• 8:04Caleb Hammer?

  Okay, okay, stop. Stop talking. Coffee, tea, wine, beer, therapy. She's offering therapy.

• 8:11Speaker 03

  It's hair. So basically, when you're a stylist, you are a therapist, basically, because everybody comes to you talking about their problems.

• 8:18Caleb Hammer?

  Scalp massage?

• 8:20Speaker 03

  Mm-hmm. Yeah. And in cosmetology school, they call it sex in the sinky.

• 8:26Caleb Hammer?

  Well, don't.

• 8:30Caleb Hammer?

  I like scalp massages. I will say.

• 8:33Speaker 03

  Fly to Tampa.

• 8:39Caleb Hammer?

  Services, hair dye, hairstyle, haircut, makeup.

• 8:42Speaker 03

  Do you have a question for my cards?

• 8:44Caleb Hammer?

  We're not doing that. Things people say they can fall asleep.

• 8:49Speaker 03

  What does Caleb need to hear?

• 8:50Caleb Hammer?

  They can fall asleep because of my touch. Get more from me than therapy sessions. You make a thousand hours a month. Obviously, no one's coming to you for therapy. Changes their lives from my haircuts and coloring. I give them exactly what they ask for. Careful.

• 9:08Speaker 03

  Wait, as in haircut, it's like, you know, they want a certain haircut. They want a certain style. I provide exactly that. I don't do whatever, you know, I don't them up, basically.

• 9:23Caleb Hammer?

  Okay. Hey. Hi, Amy. Why are you here?

• 9:28Speaker 03

  So I purposely hit rock bottom. Because of a YouTuber?

• 9:34Caleb Hammer?

  Certainly wasn't me. Okay, who?

• 9:36Speaker 03

  Well, that's why I'm here now to fix that.

• 9:38Caleb Hammer?

  Who?

• 9:39Speaker 03

  I don't remember her name. It was a long time ago when this happened, when my desk started.

• 9:45Caleb Hammer?

  What are you talking about then?

• 9:46Speaker 03

  I don't know, some random millionaire online. She said, she says, sometimes you have to hit rock bottom. And get everything that you want, all that stuff, so that you could see that you don't need these things. Once you like have them and then work your way up. So you can get like the craving out.

• 10:02Caleb Hammer?

  Hold on. Some people have to hit rock bottom.

• 10:05Speaker 03

  Yeah.

• 10:06Caleb Hammer?

  So like actually learn their lessons and build up. Uh, she, you lost me at the, but buy everything you want.

• 10:14Speaker 03

  That's what she said.

• 10:15Caleb Hammer?

  And purposely hit rock bottom. No, no, some people have to hit rock bottom. Those in horrible positions. Who the is encouraging people to go hit rock bottom? That's not something we want to see be done.

• 10:26Speaker 03

  Well, she said sometimes you have to.

• 10:28Caleb Hammer?

  Yes, and that is different. But you said you intentionally hit rock bottom.

• 10:32Speaker 03

  I did intentionally do it because I saw that I wasn't gonna stop.

• 10:34Caleb Hammer?

  What is hitting rock bottom? You're at rock bottom.

• 10:36Speaker 03

  Moving back in with my dad.

• 10:38Caleb Hammer?

  You're, you're a dumb trying to do all this stuff and trying to.

• 10:42Speaker 03

  Well, my card says to stop being so disappointed. This is a good thing. Five of cups reversed. You're putting your bad energy in my cards. I have to cleanse them. Oh, no.

• 10:54Caleb Hammer?

  We're not doing that. I do not want your performance to be.

• 10:58Speaker 03

  Now.

• 11:01Speaker 03

  Disappointed.

• 11:02Caleb Hammer?

  Your father should be disappointed in you instead of enabling you. I don't know why, why he's allowing you to move in and continue this instead of pushing you to do something. You did cosmetology school. Did you go to school at all? Any other?

• 11:16Speaker 03

  No, no, I haven't.

• 11:18Caleb Hammer?

  Why the do you think you're qualified to give someone therapy?

• 11:21Speaker 03

  Well, the thing is, it's more so kind of like, that's why I was going with the name. Cause it's kind of like, oh, I'm like your sister. Like we could talk about stuff like advice and whatever. Like talk about life, like a therapist.

• 11:34Caleb Hammer?

  Please don't tell me you have clients for that.

• 11:36Speaker 03

  Not like that.

• 11:37Caleb Hammer?

  Oh, thank goodness. Thank goodness. Cause you would people up.

• 11:41Speaker 03

  How?

• 11:42Caleb Hammer?

  Come on, you're not licensed. Yeah. And you might have a pleasant conversation, but you would probably get wrong.

• 11:48Speaker 03

  That's what you're going to get your hair done for.

• 11:50Caleb Hammer?

  People are gonna take advice from you.

• 11:52Speaker 03

  Yeah.

• 11:53Caleb Hammer?

  That's not good.

• 11:54Speaker 03

  But like about the thing is, you know what we talk about?

• 11:56Caleb Hammer?

  Dude, I see your life in front of me. Your life is, you're not someone, you're not someone to be trusted.

• 12:06Speaker 03

  You don't know me.

• 12:08Caleb Hammer?

  You are moving in with dad with failed businesses. You have nothing. You do terrible. You have nothing. You are a failure.

• 12:19Speaker 03

  Oh yeah, that stuff is more like my manifestations and stuff and like.

• 12:25Speaker 03

  You can't say that. You're gonna get canceled for that one.

• 12:28Caleb Hammer?

  That's weird. That's what the last guest said. I say it every episode.

• 12:31Speaker 03

  No, you don't. I've watched your episodes. You hadn't said that.

• 12:34Caleb Hammer?

  They're bleeped. We bleep every word.

• 12:36Speaker 03

  Oh dang, that's crazy.

• 12:40Caleb Hammer?

  What?

• 12:40Speaker 03

  You're fake. You could get canceled for saying that.

• 12:45Caleb Hammer?

  Dude, the, that word is back. You may have missed it.

• 12:49Speaker 03

  Oh, we're bringing it back.

• 12:50Caleb Hammer?

  Dude, that word is back. And also I don't have a weird audience filled with pearl clutches who get offended by weird things.

• 12:56Speaker 03

  Oh my gosh. Yeah, no, all that stuff is not like business.

• 12:59Caleb Hammer?

  Ovulation phase.

• 13:01Speaker 03

  I need to know I'm a woman about my phases. You should learn too when you get a girl.

• 13:07Caleb Hammer?

  I have a girl.

• 13:08Speaker 03

  Do you know about her ovulation phases? It would be helpful. What phase is she in now?

• 13:13Caleb Hammer?

  Period.

• 13:15Speaker 03

  That is not one of the phases.

• 13:17Caleb Hammer?

  She has her period.

• 13:20Caleb Hammer?

  She has her period. She's in her week of skipping birth control to, you know.

• 13:26Caleb Hammer?

  Make it work, right?

• 13:27Speaker 03

  But you don't know how to treat her well, like on her phases. Women go through different phases and cycles. You need to know how to like handle her.

• 13:36Speaker 03

  With care.

• 13:39Speaker 03

  Yeah, but yeah, it's like a bunch of manifestation stuff.

• 13:44Caleb Hammer?

  You don't know our relationship. You don't know what we do. Okay, what is this stuff?

• 13:47Speaker 03

  Well, you don't know my life either. This is just a lot of.

• 13:50Caleb Hammer?

  A lot of blank pages. I see your life is actually quite empty.

• 13:53Speaker 03

  Yeah, and I'm helping.

• 13:54Caleb Hammer?

  This life was a lot, a lot of, uh. You thought her life was gonna be a lot, but it's basically nothing.

• 14:03Speaker 03

  I'm trying to get, I'm trying to make one. I'm trying to make a better one.

• 14:06Caleb Hammer?

  She's writing meow on paper. I don't know what the she's doing. Uh, you're one of the people that endlessly, I used to have an employee like you who endlessly thinks about things and overthinks things and consumes a bunch of and endless self-help and writes everything down and all this stuff, but execute nothing. Works on working, but never actually does anything.

• 14:27Speaker 03

  Yeah, and that's, that's why I'm here. I want you to help me put some action into stuff.

• 14:32Caleb Hammer?

  Great, okay. Solution number one. Uh, this doesn't matter. This doesn't matter. What is this? Throw this down? This is the thing I already looked at. Okay, none of this matters. Terrible. Stop. Rebel deck. I don't give a.

• 14:49Speaker 03

  I am gonna pull for you.

• 14:51Caleb Hammer?

  I don't care about this. Is this you making notes? No, this is a book of stupid. I don't care. Lip balm, you can keep it. The rest is nothing. This is just so, I just, the, the, listen. You are the person, I see you guys get stuck endlessly. You work on working, but you never actually push to achieve something. You always work on trying to work. But you never accomplish anything. And it is not working. And look, I mean, you're bringing in a thousand dollars a month. You had to move back in with daddy at 26. And I'm not saying it's bad to live with parents or anything like that. You know, a lot of other cultures do. But the fact is, you obviously did because your business is failing and you don't have enough money to sustain yourself, your life. Which means you are failing. Your business has failed. You need a career.

• 15:36Caleb Hammer?

  And you can do this as a hobby. And if you build a client list big enough to actually sustain, then you could try it. You're not a therapist.

• 15:46Speaker 03

  I know I'm not a therapist, but I'm a hair therapist.

• 15:50Caleb Hammer?

  You're a hair person. It's not even a real scalp massage from the, from what I've heard.

• 15:57Speaker 03

  You need to try my scalp massage.

• 15:59Caleb Hammer?

  You said you need the water bin thing.

• 16:02Speaker 03

  Okay, well, a scalp massage itself is like you have, wash hair in the sink or whatever when the conditioner's sitting.

• 16:08Caleb Hammer?

  I just want someone to go over here and scratch my hair.

• 16:09Speaker 03

  I've done that. I've done that for my friend's husband.

• 16:12Caleb Hammer?

  Brandon.

• 16:15Speaker 00

  Life is all about making decisions. Sometimes you make questionable ones, like buying a new TV that's too big for the wall because the electronics store employee was a little too good at their job. Then sometimes you make great ones, like protecting your home and auto with Progressive. You get customized coverage options so you can be sure you have the right coverage. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.

• 16:44Caleb Hammer?

  Come scratch me.

• 16:45Speaker 03

  Oh. Is that what he gets paid for?

• 16:47Caleb Hammer?

  Yes.

• 16:49Speaker 03

  Can I get his job?

• 16:50Caleb Hammer?

  No.

• 16:50Speaker 03

  Damn.

• 16:53Speaker 03

  Well, I just quit Trader Joe's. I was making more money.

• 16:55Caleb Hammer?

  You, what? You just quit a job? When, when, when did you quit?

• 16:59Speaker 03

  Like, two weeks ago.

• 17:01Caleb Hammer?

  Two what? Two f***ing weeks? F***ing why? Why'd you f***ing quit? Who do you think you are to not make money and move in with dad to try to build this bullshit that's likely illegal out of his house?

• 17:13Speaker 03

  Oh my God. So, the thing is, is because my morals, it went against everything.

• 17:18Caleb Hammer?

  Hold the f*** on. What?

• 17:21Speaker 03

  Yeah.

• 17:21Caleb Hammer?

  What morals?

• 17:22Speaker 03

  Cause they're insane over there.

• 17:24Caleb Hammer?

  Okay, please tell me.

• 17:25Speaker 03

  So many people, so many managers weren't, um, reporting true misconduct.

• 17:30Caleb Hammer?

  Okay.

• 17:31Speaker 03

  Uh, so we weren't safe there, there's.

• 17:33Caleb Hammer?

  Did you report it to a safety organization?

• 17:36Speaker 03

  I tried to.

• 17:36Caleb Hammer?

  Third party? Uh, local government?

• 17:39Speaker 03

  I tried to report it to corporate and everything like that. And a bunch of us, cause there's over 120 of us, and we've said stuff and nothing. All they do is switch managers to the location.

• 17:47Caleb Hammer?

  That you witnessed?

• 17:48Speaker 03

  So there is somebody wanking in the back of the bushes during their lunch break.

• 17:53Caleb Hammer?

  Oh, guys can't have fun anymore?

• 17:55Speaker 03

  As well as there was.

• 17:57Caleb Hammer?

  Employee?

• 17:57Speaker 03

  Yes.

• 17:58Caleb Hammer?

  That employee was not fired.

• 17:59Speaker 03

  And it was found from a manager, two managers saw it, store manager and.

• 18:02Caleb Hammer?

  That employee was not fired.

• 18:04Speaker 03

  No, they moved to the other store and then.

• 18:06Caleb Hammer?

  Yeah, that's bad.

• 18:07Speaker 03

  Yeah, as well as my coworker, she got smacked on the butt um with a kneepad while she was over on a ladder.

• 18:14Caleb Hammer?

  By who?

• 18:15Speaker 03

  By another employee.

• 18:17Caleb Hammer?

  That employee was not disciplined.

• 18:19Speaker 03

  No, they they let him go. Like, the thing is, they had to build a whole case and then the case still, they still gave him the option to just leave.

• 18:25Caleb Hammer?

  Well, for fair enough, it is important to do an investigation into it instead of just taking anyone's word on anything. So it is, it is important that they would ask around, make sure that this has been, you know, corroborated by others. And it is very difficult because someone's life is deeply impacted. Someone's life that if that happened to that person, the person who got smacked, their life is impacted. If that didn't happen and there was some weird drama and they reported that, which unfortunately, you know, in the era, we are seeing more and more false things and it's it is kind of sad to see. And it makes it harder to just trust people who say things. And um with that, like, that's someone's life who could just get fired. So a proper investigation is fair.

• 19:04Speaker 03

  Yeah.

• 19:05Caleb Hammer?

  That's not a bad thing to do.

• 19:06Speaker 03

  Yeah, but when over twenty people are reporting it constantly and nothing is being done, I'm very uncomfortable.

• 19:11Caleb Hammer?

  That is.

• 19:11Speaker 03

  As well as they hate mothers, um at least at that location.

• 19:15Caleb Hammer?

  What do you mean they hate mothers?

• 19:16Speaker 03

  The store manager.

• 19:17Caleb Hammer?

  Are you a mother?

• 19:18Speaker 03

  I'm not a mother, but I work with mothers.

• 19:20Caleb Hammer?

  Okay.

• 19:21Speaker 03

  I don't want to be so. But yeah, basically, the store manager in regards to maternity leave, he was saying that um, oh, there's actually mothers in like other countries that hold babies on their backs, working in the farms.

• 19:35Caleb Hammer?

  Yeah, this is weird.

• 19:36Speaker 03

  I'm like, why would you say that?

• 19:40Caleb Hammer?

  You know, devil's advocate, might be out of context in the conversation. I say a lot of weird things.

• 19:44Speaker 03

  No, right.

• 19:45Caleb Hammer?

  People take that and they just like, Caleb said this is like, hold on, okay.

• 19:49Speaker 03

  No, there's like a whole thing with that manager. That's, yeah, it's.

• 19:52Caleb Hammer?

  Okay, yeah, but it sounds like a bad manager. If we're if we're if we're being honest, it sounds like a bad manager. Um, but, I mean, I heard you tried to unionize everyone.

• 20:02Speaker 03

  Allegedly.

• 20:06Caleb Hammer?

  What?

• 20:07Speaker 03

  Well.

• 20:07Caleb Hammer?

  You're saying you did not try to unionize other employees. When you told our producers, you tried to unionize other employees.

• 20:13Speaker 03

  No, I said allegedly. I didn't say it didn't happen. I'm just saying that I, we've had the discussions. We've had the discussions about it. I was like, literally, if we just all come together and we don't clock in, like night shift, whatever.

• 20:27Caleb Hammer?

  So they fire you and get other people who are

• 20:31Caleb Hammer?

  will show up to work? Cause you weren't in like a high skilled.

• 20:36Speaker 03

  You'd be shocked. I feel like it would work because it's worked at other places.

• 20:40Caleb Hammer?

  This isn't employers market. This isn't the 2021 employees market anymore. People are looking for jobs more and more.

• 20:48Speaker 03

  I don't know. They're so weird about hiring and stuff. That location is just a weird location.

• 20:53Caleb Hammer?

  Yeah, but it's a business.

• 20:55Speaker 03

  Yeah.

• 20:55Caleb Hammer?

  They would much rather get rid of you guys trying to cause trouble and bring in other people.

• 21:01Speaker 03

  At the night shift?

• 21:02Caleb Hammer?

  Yeah. Well, if you guys were shutting the business down, they'd be shut down regardless. So may as well be shut down and get other people in. I assume is what the business would do. I mean, many places would much rather close their business than.

• 21:16Speaker 03

  I mean, I don't know. I, I was just saying, if we need to take a stand at some point and we try to report all these things, like, you know, there's some way to do it peacefully and talk about it.

• 21:26Caleb Hammer?

  You quit your job and honestly, not for invalid reasons. So it's in the unionizing way, you know, that you're probably just causing trouble at the business and annoyance for sure. But like that manager definitely sounds like a piece of work if I'm believing everything 100% that you say. And you know, just for the grace of the conversation, sure I will. Uh, I understand that. Get another job? Would then be the next logical thing?

• 21:50Speaker 03

  So I have, my dad said that he was gonna give me two months to just figure out my.

• 21:55Caleb Hammer?

  Oh, wait, hold on. Pause. Apparently you had a lot of moral issues with basically every other job you had, which makes it a lot harder for me to then believe you and take you seriously.

• 22:05Speaker 03

  Okay. Well, do you want to go through it and we could talk about it?

• 22:08Caleb Hammer?

  Whether or not I believe you will definitely be a thing. Cause you now, if it's like every single other job you have moral issues with, it's like, okay, then I gotta start taking things with a grain of salt. Then I stop believing things. Cause you're someone that goes in and tries to claim a lot of things, overexaggerate things, cause trouble. But we'll see. Go ahead. Let's be real. If your private student loans have your eye on a third job at the local taco stand. Maybe it's time for a better plan. Yrefi is your lifesaver in a sea of debt. Unlike the typical loan sharks who treat your credit score like a magical crystal ball. Yrefi cares if you actually want and can afford to repay.

• 22:49Caleb Hammer?

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• 23:32Caleb Hammer?

  Go to Y R E F Y dot com slash hammer. That's Yrefi dot com slash hammer. Or call 888 Y refi dash 78. That is 888 Y refi dash 78. And get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality.

• 23:53Speaker 03

  Okay, so before then, I worked at a farm and

• 23:58Caleb Hammer?

  Well, that's probably.

• 24:00Speaker 03

  And so the thing is, they weren't a medical dispensary. They were licensed in a different way, through a different department. And so, everything would have been fine if they were being honest with what they were doing. So the thing is, it's like they were advertising as though they were growing it at their own farm. But they weren't, they were outsourcing it. And the thing is, I don't know where they're outsourcing it from or whatever. I just know that me and all these other people were the face of the company.

• 24:27Caleb Hammer?

  This is another thing you could have reported to some government organization in Florida or local.

• 24:31Speaker 03

  We did, we did report.

• 24:32Caleb Hammer?

  There you go. Okay, next one.

• 24:33Speaker 03

  So, and then before that, it was a medical dispensary.

• 24:37Caleb Hammer?

  Well, come on, you keep working on drugs.

• 24:41Speaker 03

  Well, no, it was just those two, it was those two. But yeah, the medical dispensary, everything was good actually, until the store manager left. And then all these other managers beneath him were sexist, racist, homophobic, all that stuff.

• 24:51Caleb Hammer?

  According to who, doing what? Because, no offense. Usually people like you tend to just get offended.

• 24:58Speaker 03

  I guess so. Well, whatever. Basically, um, yeah, well, you're not gonna believe me all those comments, whatever, so I'll move on.

• 25:05Caleb Hammer?

  It's not that I don't believe you, but when someone has a single, uh, like, every single job forever is always bad that we've had, it's just like, well, that starts to be like a pattern. Is it the job or is it you? And I mean, I believe you about the thing. I mean, it's just like in the dispensary, what you're saying, oh, they're racist. Like, okay, what does that even mean? I mean, I see people, I see people getting cancelled on Love Island right now for being racist. Like, it's, but they're just some dumb, stupid thing that someone slightly said a year ago on Instagram story and it's just, everyone's just a bunch of man, I'm kinda done with it.

• 25:41Speaker 03

  Well, whatever. Basically, um,

• 25:46Speaker 03

  I'll just go to the job before that or whatever, cuz that was a while ago. Um, I can't even remember the whole situation, how it went down or whatever as of right now, but yeah, before that, um, I was a server for like a week and a half. Uh, because I didn't have like serving, um, like, I never served before or whatever. And so I didn't know how the tipping worked. And so basically the front of house manager, he stepped in because the other server wasn't there. And it was a super like busy day, whatever. And then, um, at the end of the day, he tried to take half my tips. And so then I let him have it, whatever. And then I come home, um, this was the same job

• 26:27Speaker 03

  that my boyfriend was working at at the time. And so I told him, I was like, oh yeah, like, um, I, it was a shitty day, whatever. They took half my tips. It wasn't even worth it. And he's like, the front of house manager, I don't think he could do that. That sounds like illegal or whatever. I was like, I don't know. He just said that's how it was. Um, he does payroll and all that.

• 26:44Caleb Hammer?

  What is the point of this? Are you saying you can't get another job because you've just had bad experiences with jobs?

• 26:48Speaker 03

  Um, it's just every time.

• 26:50Caleb Hammer?

  What are you saying?

• 26:50Speaker 03

  I mean, every time I've tried, like, I've tried small business, I've tried corporate, all that stuff. It's just always been some sort of like issue like that.

• 26:56Caleb Hammer?

  Well, someone like you finds issues everywhere and some of these, some of these.

• 26:59Speaker 03

  Well, they all ask for me back every time.

• 27:01Caleb Hammer?

  Well, so, some of these sound like if they're a hundred percent true and if we're taking you a hundred percent honest, which again, for the grace of the conversation, I will. Yeah, some of them are certainly wrong. Some of them may be over exaggerated and I'm not exactly sure, but you can't use that as an excuse to, first of all, to be in the industry. I mean, it's like,

• 27:22Speaker 04

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• 27:51Caleb Hammer?

  So you're saying you can never have a job again?

• 27:54Speaker 03

  I'm not saying that, but I'm just-

• 27:56Caleb Hammer?

  Well, you're not working right now and you moved in with your dad.

• 27:58Speaker 03

  Yeah, I know. I could tell you-

• 27:59Caleb Hammer?

  If you're escaping a dangerous situation, that's where I'll have empathy, but you weren't?

• 28:04Speaker 03

  I, yeah, well, okay, this is the thing too. Also at the hair salon, like you said, you told me to work at one or whatever. I did at the time, like in Orlando for a bit and I was a personal assistant. But there, they were just making me really uncomfortable with like, like literally like if I'm by myself in the back, then the owner being like, "Oh, hey sexy." Like seeing me or whatever and then like, um, talking about how he wants to like motorboat his, his guests, that the client in his shampoo bowl. Literally like, stuff like that. Yeah. It was an ongoing thing.

• 28:36Caleb Hammer?

  But does that mean you never get a job again?

• 28:39Speaker 03

  No, I mean, look at all these jobs I've gotten though. Like that's the thing-

• 28:42Caleb Hammer?

  I know, but you're not working now and you moved back in with that and you're trying to build an illegal business.

• 28:46Speaker 03

  Oh, I'm not trying to make it an illegal business. I'm trying to figure out how to even go about it properly and stuff. That's why I'm here.

• 28:53Caleb Hammer?

  But you've never-

• 28:54Speaker 03

  I know, I've never done this. That's why I'm literally here trying to like learn or whatever, like to see like what you recommend. And this is the thing, because I was gonna have the two months to just like sort my stuff out, figure it out. And then after that, that's when I'll go find like, you know, a job on the side, whatever, like a real job and whatever. And then use that to help myself, like fund everything, like pay off my stuff.

• 29:16Caleb Hammer?

  Why weren't you paying off your stuff when you had a job then?

• 29:18Speaker 03

  I did, but this is the thing, all my debt just kept piling up and up.

• 29:23Caleb Hammer?

  Well, debt wouldn't be piling up and up if you're paying off your stuff, so that's incorrect.

• 29:27Speaker 03

  That's it. I kept buying stuff. That's the issue.

• 29:29Caleb Hammer?

  And then that's not paying off debt!

• 29:30Speaker 03

  I know, but I'm just saying that I had jobs or whatever and then I was only keeping up with the minimums. And then that's the thing, then that's all I could have.

• 29:36Caleb Hammer?

  And you think house and pointed armpit is what is making us a lot of money and getting on the debt?

• 29:43Speaker 03

  Could be.

• 29:44Caleb Hammer?

  No, it won't be.

• 29:46Speaker 03

  I don't know.

• 29:47Caleb Hammer?

  I do.

• 29:48Speaker 03

  My cards say different.

• 29:50Caleb Hammer?

  Your what?

• 29:50Speaker 03

  My cards say different.

• 29:51Caleb Hammer?

  Cards?

• 29:52Speaker 03

  My tarot.

• 29:53Caleb Hammer?

  Okay. I mean, you're making a thousand dollars a month. Those are real cards. Dollar bills, those are real. You're making a thousand. That's not enough to live. Certainly not in Florida.

• 30:03Speaker 03

  Yeah, definitely not in Florida.

• 30:05Caleb Hammer?

  So what the are you talking about? Really? So someone like you, listen, I'm not against, do it for fun, the tarots, whatever, all that stuff. But if you're actually living your entire life based on what that said and hoping out forever that this is gonna work, you're never gonna do anything.

• 30:21Speaker 03

  Yeah.

• 30:21Caleb Hammer?

  You're never gonna do anything.

• 30:23Speaker 03

  That's why I'm trying to put myself in the situation that like I have to be. The situation where I have to put action into it.

• 30:28Caleb Hammer?

  But you don't, cuz you've moved in with dad now.

• 30:30Speaker 03

  I moved in with him so that I can put action into it because I was just working and stressed the whole time.

• 30:34Caleb Hammer?

  He's gonna enable you fucking around.

• 30:36Speaker 03

  No, no, no, no, no.

• 30:39Caleb Hammer?

  No?

• 30:39Speaker 03

  No, he won't. That's cuz that's the thing, I'm done, like, that's the thing, I'm done, like, playing games or whatever. I know that I've, like, you know, bought all these things, spent all this money or whatever, all my credit cards and stuff, but...

• 30:51Caleb Hammer?

  Yeah, total income, uh, basically nothing, spent five thousand twenty-four. So... Done fucking around? Cue.

• 30:59Speaker 03

  Oh, my god, bruh.

• 31:00Caleb Hammer?

  No, look, that's your actions. What do you mean? Come on!

• 31:04Speaker 03

  So...

• 31:05Caleb Hammer?

  Don't fuck with me, that's exactly what's going on!

• 31:08Speaker 03

  Well...

• 31:09Caleb Hammer?

  Shut up, you're going out to eat five hundred dollars a month.

• 31:11Speaker 03

  My dad's investing in me, my boyfriend's trying to invest in me so I could, like, work on my stuff.

• 31:15Caleb Hammer?

  He's enabling you too, you're allowing the boy, all this guy, this boyfriend. Is he here so we can bring him in and tell him, "Hurt him, fuck off, huh?"

• 31:22Speaker 03

  No, he's working with my dad.

• 31:24Caleb Hammer?

  Oh, for fuck's sake, what is your dad doing?

• 31:27Speaker 03

  Construction.

• 31:28Caleb Hammer?

  Oh.

• 31:29Speaker 03

  But he does...

• 31:30Caleb Hammer?

  And they both just enable you, this delusion?

• 31:33Speaker 03

  No, they're trying to help me, they believe in me.

• 31:36Caleb Hammer?

  They believe in you, they're trying to help you, but they are enabling you. I'm not saying they have bad intentions.

• 31:41Speaker 03

  No, but I've been, this is the thing, I've been working and stuff, I've been do, I haven't been trying to ask them for any help or whatever, this is the time now.

• 31:48Caleb Hammer?

  Career, you've just been doing...

• 31:49Speaker 03

  Because I didn't know what to do, I didn't wanna just jump into a career that I don't know.

• 31:53Caleb Hammer?

  What would? Hey, maybe work at a different salon with it not a creep in the back.

• 31:57Speaker 03

  I'll try it out. That's the thing. I'll try it out. I'm in Tampa now, like, so I can have a fresh start.

• 32:01Caleb Hammer?

  I guarantee you, if every single salon had a creep that was managing it,

• 32:05Speaker 03

  Mm-hmm.

• 32:06Caleb Hammer?

  No one would be working at a salon.

• 32:08Speaker 03

  You'll be surprised.

• 32:09Caleb Hammer?

  If every salon, you had a bad experience that I empathize with, doesn't mean you, every salon is bad. Work at a salon where you get paid. Money!

• 32:21Speaker 03

  I'm trying, but my own. I can't try to, like, figure that out. Get my own, like, little booth or something, like, you know what I mean?

• 32:33Caleb Hammer?

  So how long has his boyfriend been in the picture?

• 32:35Speaker 03

  Since the end of 2017. We met on Tinder.

• 32:37Caleb Hammer?

  Are you guys considering getting married? That's been, that's a long time.

• 32:40Speaker 03

  Yeah, um, so we're not really into marriage. Like, I see marriage more as like a business, I guess, because...

• 32:47Caleb Hammer?

  What are we, what are we in the pic?

• 32:51Speaker 03

  What do you mean?

• 32:51Caleb Hammer?

  What is your guys' intentions, long-term?

• 32:54Speaker 03

  Oh, to, like, stay together, long-term. But I don't, I've never been somebody to fantasize about marriage or anything like that.

• 33:00Caleb Hammer?

  Fantasizing, but it is kind of a lifelong commitment. It's societal.

• 33:03Speaker 03

  I mean, we're already committed, you know what I mean? Like...

• 33:05Caleb Hammer?

  Yeah, but you're not getting tax benefits.

• 33:07Speaker 03

  That's the thing. So I, I feel, I have all this debt and all that, so I don't know if that'd even be smart to, like, combine, like, right now. That's the thing. I feel like, um, that'd be a conversation I have later.

• 33:17Caleb Hammer?

  Well, you don't really have any assets, so there's nothing for him to worry about. If he had assets, he might have to settle the, some of the debts in order to receive some of the assets, you know? There's different things, complications around death, but also life insurance, you know? Like, this is certainly easier to do the things for your loved ones if you guys are more official and everything.

• 33:36Speaker 03

  Mm-hmm. Yeah, 'cause that's the thing.

• 33:38Caleb Hammer?

  Did he move into the house, too?

• 33:39Speaker 03

  Yeah, we moved in together.

• 33:41Caleb Hammer?

  Ay! What is your dad doing?

• 33:44Speaker 03

  Trying to help. He, he, my dad, okay, this is the thing.

• 33:47Caleb Hammer?

  Trying to help, but he is not.

• 33:48Speaker 03

  My dad was trying to tell us about a year and a half ago to do that. He's like, "I think you guys need a fresh start, and just, you know, move here and we figure it out, work as a team, and like, just figure your guy, like, your guys out."

• 34:00Caleb Hammer?

  You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment.

• 34:12Caleb Hammer?

  Yeah, it's getting a little tight.

• 34:14Caleb Hammer?

  $264 in monthly subscriptions! I didn't know we had that many. You guys have to take control of your finances.

• 34:23Caleb Hammer?

  How?

• 34:23Caleb Hammer?

  Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial. Do you want to figure it out? Go to CalebHammer.com/apply and you can come on the show, by the way. But this doesn't make any sense and that would be much more helpful than moving in with daddy who's just enabling your bad behavior.

• 34:48Speaker 03

  Oh, then who should I move in with you?

• 34:51Caleb Hammer?

  Okay, what the f- shut up.

• 34:54Speaker 03

  Oh my god, because you say you have all these answers, da-da-da, you don't want to give them to me, might as well just help me out.

• 34:59Caleb Hammer?

  Maybe I don't want to give them to you.

• 35:00Speaker 03

  I don't know, because you keep yelling at me.

• 35:03Caleb Hammer?

  I barely even yelled this episode, if I'm being honest.

• 35:05Speaker 03

  Have you been yelling at me?

• 35:06Caleb Hammer?

  Not that much compared to normal. I'm very tired today. You-

• 35:10Speaker 03

  Lucky me.

• 35:11Caleb Hammer?

  Yeah, lucky you. Listen, the reality is, I mean, you're spending insane amount of money when you're bringing nothing and moving in with dad, you don't have a business. You do not have a business. It is a very much a hobby. It would be considered a successful hobby if it's a thousand dollars a month, I'll be honest, but it is very much not even close to a business. It's a beyond failed business.

• 35:31Speaker 03

  Well, what can I do to make-

• 35:33Caleb Hammer?

  Get a job.

• 35:34Speaker 03

  Well, okay, after that, after that, let's say I get the job, whatever. Okay, cool, now what? What's next?

• 35:38Caleb Hammer?

  Well, how much do you make working in a salon?

• 35:42Speaker 03

  How much would I make working in a salon? I mean, that would depend on the area and the salon and stuff like that, but-

• 35:47Caleb Hammer?

  You know where you live, so come on.

• 35:49Speaker 03

  Yeah, I would say if you're working in a good location, I've seen-

• 35:57Speaker 04

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• 36:28Speaker 03

  I don't know, it could, it's a lot. That's the thing.

• 36:30Caleb Hammer?

  You can't even think?

• 36:31Speaker 03

  I can't, I could look it up on my phone to see the median.

• 36:33Caleb Hammer?

  No, no, no, I can't do that.

• 36:35Speaker 03

  Because it's a huge difference between different like salons and everything like that. Cause I've been looking, I've been looking at my, um.

• 36:42Caleb Hammer?

  You worked at Chase for two and a half years?

• 36:44Speaker 03

  Yeah.

• 36:44Caleb Hammer?

  Was someone there?

• 36:46Speaker 03

  No, no. Chase actually, um, that was literally just the area that I worked in or whatever. It just, I was getting bullied every day and stuff like that, but listen, listen, listen.

• 36:58Caleb Hammer?

  She's never not been a victim in something. Like I have a hard time with people like you.

• 37:02Speaker 03

  No, no, I said, okay. So I worked there for two years and a half.

• 37:05Caleb Hammer?

  Who would hire you? Listen to this. You're always gonna find a problem. And some, some were correct. I'm not saying.

• 37:16Speaker 03

  Bro, it's.

• 37:22Speaker 03

  Like, this is the crazy thing. You're gonna think this crazy. So many of these jobs have asked for me back. For real.

• 37:30Caleb Hammer?

  Yeah, it's easier to get someone low, you know, low paid. Just keep him there. Yeah, I get it.

• 37:36Speaker 03

  Somebody has probably got to me. You just said that it would be hard for me to get hired or whatever.

• 37:41Caleb Hammer?

  People hearing this. Who would want that there? No offense, you haven't had one job without you finding something.

• 37:47Speaker 03

  I'm, but that's the issue. That's why I'm like, okay, I feel like then I just need to be like my own.

• 37:51Caleb Hammer?

  And you will, you will find, you, you will report yourself for being a or something like that is what is gonna happen. You're, you're gonna find something. You're gonna harass yourself when you masturbate. I don't know. Like it's gonna.

• 38:05Speaker 03

  You know, I, just let me, just help me, just help me live my dreams.

• 38:11Caleb Hammer?

  No, cause I don't, unlike other people, I don't just pat you on the back with what you wanna do and say it's all gonna be okay. I am trying to.

• 38:18Speaker 03

  I know it's gonna be hard.

• 38:19Caleb Hammer?

  And what I am telling you is you just need to go get a job.

• 38:23Speaker 03

  Well, I said I'll get one. Just let me set my stuff up real quick.

• 38:27Caleb Hammer?

  Median salary for Hail, I saw about thirty seven thousand, two hundred forty seven, according to ZipRecruiter in your area. That's gonna be hard to live in your area for that. The top earners fifty one thousand. Not great, I'll be honest for that area. This is an expensive area.

• 38:47Speaker 03

  Okay, so then should I like, what do you like, what would you recommend then?

• 38:51Caleb Hammer?

  I'm gonna get a real job, maybe.

• 38:52Speaker 03

  What's like a real job?

• 38:53Caleb Hammer?

  I say that's not, I know it's insulting, but uh, something with a higher career trajectory.

• 39:02Speaker 03

  What is that like?

• 39:03Caleb Hammer?

  I don't know what you're interested in.

• 39:04Speaker 03

  Well, I'm interested in art, I'm creative, like, look at me, like, you literally are judging me for my appearance, you say you know exactly who I am, so tell me.

• 39:11Caleb Hammer?

  Art, if that's what art is that we're trying to make money off of, uh...

• 39:16Speaker 03

  I'll show you my real art, this is a prototype.

• 39:20Caleb Hammer?

  Artsy-fartsy's fun, I'm a bit artsy-fartsy.

• 39:22Speaker 03

  I know, you were in, you went to school for music, no?

• 39:24Caleb Hammer?

  Alright, parasocial freak, listen.

• 39:27Speaker 03

  And you have tinnitus.

• 39:30Speaker 03

  You're probably hearing right now the beep.

• 39:32Caleb Hammer?

  Yes, I do, it's very annoying, it's acting up these last few days. Okay, alright. It's what happens when every single guest is a fan of the show, ladies and gentlemen. Listen, yes, we're both artsy-fartsy, I do accept it, and I had to make money.

• 39:46Speaker 03

  Why did you kill that dream, do you still do music?

• 39:49Caleb Hammer?

  I didn't kill the dream, I don't have as much time to do music, I'd be... I said I don't have as much time to do music, why?

• 39:55Speaker 03

  Yeah, like, just because like...

• 39:56Caleb Hammer?

  Relationship, business, other things that I wanna do, doesn't mean, just because I like music, doesn't mean that there's not other things I wanna do.

• 40:04Speaker 03

  Well, yeah, but I know that you also try to like, have all these other like, franchise ideas and investment ideas and whatever.

• 40:12Caleb Hammer?

  Well, I test the water with...

• 40:13Speaker 03

  And you're taking time into that, instead of music.

• 40:15Caleb Hammer?

  I test the water with different things, our membership is practically the largest on YouTube, by the time this comes out, it might be. Like, that's something to take, that's history, that's YouTube history, I never thought I could be someone that makes YouTube history, that's not an ego stroke, but that's something that's like, wow, that's cool. So, I'm very passionate about that, uh, again, girlfriend, I mean, that takes time, dogs, that takes a little bit of time, there's just not as much time left in the day. Running the business, just responsibilities that come with that, sometimes we have to grow up, that doesn't mean we kill a passion, that doesn't mean that. You can still do art and have a fulfilling career somewhere, if there are things you want. I've loved sales, and I was damn good at it, I was the top runner on the sales team, and I moved from music composition, of which I made more money than my professors, when, and when it comes to them making money off their own music.

• 40:58Caleb Hammer?

  Um, I made more money off of my music than them, and I was able to live flat, you know, just barely making it with it, cuz you don't really make a lot of music, the top 1% is very rare. Uh, but even still, from there...

• 41:13Caleb Hammer?

  But there has to be something else in the world that the economy is finding value in, that you are able to provide value and get paychecks in return. Preferably something that has a bit more of a, maybe not hockey stick, but you know, a curve upward career and pay trajectory if you want to stay in an expensive area. So I don't know what it is because I don't know you like that. That's what this first part of the conversation is. It's to get to know you and your mindset on money. And so far it's, but you know, getting to know you and I don't know. Obviously I can gift you a course career certification. If there's something there, then it's just you. A lot of our audience uses them and they've, you know, get good careers off of it.

• 41:53Caleb Hammer?

  But you know, that's up to you, but you need to find something and just sitting on this and being like, hope and dreams, hope and dreams, my cards told me it'll happen. You'll never get anywhere. You won't. I know people like you because I went in the artsy fartsy field. Okay. So I knew composers from all across the country and it's a pretty relatively tight knit community. Here's the fact, the vast majority of them, very artsy fartsy, they did not have a business mind. I went into it with a business mind and I was able to make money unlike most of them. You are going to this artsy fartsy and you are working to work on your stuff. You don't have a plan. You don't have actions. You don't have a reality in this field.

• 42:35Caleb Hammer?

  Everyone like you that is in this self-help world, that is in this, in the artsy farts, all that stuff, you just work to work. But you don't have an actual end result and it doesn't work.

• 42:48Speaker 03

  And that's the thing I've.

• 42:50Caleb Hammer?

  And no, I'm not going to help you on that. No, I'm not going to help you on that. I want to get you on a good financial path.

• 42:59Caleb Hammer?

  And you just moved in with dad, so we're going backwards.

• 43:02Speaker 03

  Hey, that's my rock bottom though. Only way is up now.

• 43:05Caleb Hammer?

  The intention is for your boyfriend to be the main breadwinner in your relationship, but you seem so, you seem so anti-traditional. And that's so traditional.

• 43:15Speaker 03

  So yeah, that's it. So me and him kind of almost take turns of kind of like leaving the job or whatever.

• 43:23Caleb Hammer?

  So who's up? And so you guys stay level forever because neither of you ever get ahead in your career. And now, now he works for your dad. So the success of your dad is only what is making your boyfriend successful. Him going out on his own, ah, you guys are failures.

• 43:37Speaker 03

  Hey, only way is up now.

• 43:39Caleb Hammer?

  That's not true, but. You guys are failures. And I'm gonna call it as I see it, because I don't want you to think you're successful when you're not, because then it just allows you to stay in that cycle forever.

• 43:49Speaker 03

  I got something to look forward to, success tomorrow.

• 43:52Caleb Hammer?

  No, actually, no. There is nothing to look forward to, because you have to achieve that. People think just because they think it, all of a sudden it's gonna happen. Most people sit on their dreams forever and never achieve them.

• 44:02Speaker 03

  Well, I'm trying to take action now.

• 44:03Caleb Hammer?

  But you're not doing anything. What are you doing? Tell me what you're doing.

• 44:06Speaker 03

  Okay, well, right now, I'm trying to take the time now so I can research everything. I'm going to New York soon, too.

• 44:16Caleb Hammer?

  And so this is what everyone says that's in that trajectory. Because I know so many people like you. This was my life, that was my life. I'm researching, it's a permanent forever research. I'm going to this conference here, I'm going to this here, I'm going to this thing, and you're going to New York, and you're doing, it's just like, fuck. It just, this never works out. I have not seen one person do what you're trying to do, and the way you're trying to do it, and it's come out successful. Not one that I can think of.

• 44:38Speaker 03

  Then what's the successful way to do it?

• 44:41Caleb Hammer?

  Um, if it's the salon, you need to go into a salon. You need to work for them, and you need to build an endless list of clientele, and work your butt off for not enough money, and then take them with you. That is a path that I would look at. If salon is our big thing, art? That's just putting yourself out there and trying to get into as many galleries as you can. And in terms of the physical art world, I don't know that as much. But I know just traveling and researching, that's not what's gonna do it. What are you doing in New York?

• 45:09Speaker 03

  So, um, I have my friend, she's a model, and she's been, no, this is the thing, she is a model at one of the schools there, uh, or I probably should say. And, um, yeah, basically, she gets me free, like, classes in there, so I can oil paint stuff and see.

• 45:26Caleb Hammer?

  Yeah, but you have to pay to go.

• 45:28Speaker 03

  I create connections.

• 45:29Caleb Hammer?

  Oh, yes, it's the endless connections, guys. It's, that's another excuse that everyone uses. Guys, I'm getting connections.

• 45:36Speaker 03

  I am.

• 45:38Caleb Hammer?

  I'm sorry, what do you think your score is, zero to 10? It's so stupid.

• 45:41Speaker 03

  Zero.

• 45:42Caleb Hammer?

  Well, first realistic thing she said all day. Guys, get your financial score. Take the assessment. It is free at Calebhammer.com. Link in the description below. And if you don't want to be like a guest on the show, make sure you download our Dollar Wise Budgeting app. Take the trial and then sign up for the annual version. If you want to save a lot of money, and I'll also send you a signed cookbook mailed directly to you that can't be purchased anywhere else. Remember, you can also sign up for Dollar Wise Central, our premium product, but it does save you a ton of money if you want all of our educational resources and the premium version of the budgeting app. It's 80% off through Dollar Wise Central, dollarwise.com.

• 46:12Speaker 06

  The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial Audit post-shows, exclusive and uncensored Financial Audit episodes, our call-in show, Hammer It Out.

• 46:34Caleb Hammer?

  Well, then take the train, you!

• 46:35Speaker 06

  And brand new shows, Fat and Fatter.

• 46:39Caleb Hammer?

  That is...

• 46:40Caleb Hammer?

  That one is... I would go off-brand.

• 46:43Speaker 06

  Behind the Audit.

• 46:45Caleb Hammer?

  What?

• 46:46Speaker 03

  This was wild!

• 46:48Speaker 06

  Hammer versus internet. And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at HammerElite.com and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This one isn't for you.

• 47:16Caleb Hammer?

  Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

• 47:20Speaker 06

  It's okay. It's worth it.

• 47:22Caleb Hammer?

  Yeah, it is.

• 47:23Speaker 06

  Join Hammer Elite, the best membership on YouTube today for free.

• 47:29Caleb Hammer?

  Let's get to these statements. Sorry that intro took so long. I need to jump in this. Just what, but I gotta learn these creatures sometimes. And oh my gosh, there's a lot to learn with this one.

• 47:39Speaker 03

  What's wrong?

• 47:44Caleb Hammer?

  Your laugh is scary.

• 47:45Speaker 03

  Bro!

• 47:46Caleb Hammer?

  Freedom card. What's going on here?

• 47:49Speaker 03

  Freedom? Uh huh. I had too much freedom with that card. Haha, what's going on with this card? Well, that's where I'll start it. Okay, I will say I was very responsible when I first got it and then Oh my I Gets over maxed out. Yeah.

• 48:08Speaker 03

  Oh. So, after I left Chase, I How long ago was that? Oh, that was probably like twenty, twenty-two. Okay, go on. Yeah, something like that. Um, but basically I took eight months off of work. Within that, that's when I took Why? Because literally, just the amount of stress that I felt from that job. From Chase, you're never gonna survive in this world. You're never gonna survive in this world. Nope, you're done. You're never gonna survive in this world. You're never going to survive. You would have no idea what's happening in my life. I've worked many a jobs, many jobs, many good jobs. Jobs, it's life, it's, it's, yeah, it's, I'll get into the life stuff later. We'll, we'll get into it later.

• 48:53Speaker 03

  I hope not. You come on, come on. That doesn't mean you take work off for eight fucking months. I wasn't, that wasn't the intention, but also, no, and this is the thing, I was That was the workers you counted me by the way. You know, and the thing is too, I was trying to work on, um, the rugs. That's when I started doing rugs. Ahhh. No, no, no, no, okay, okay. But it's, I'm alive, okay? You've always been a failure. Oh, your business is never worth it. You're trying to help with things. Oh my god. Hey, but it's fine, like, I'm here. I'm trying to fix it now. Over maxed out credit cards. No, it is not fine. Eight months off, how'd you afford to live for eight months? Was it just credit cards?

• 49:36Speaker 03

  Um, I had savings at that point. Yeah. You had savings? Yeah, yeah, yeah. So this is the thing, um, I was very responsible when I was younger with money and stuff until after Chase. So I always had like four to six thousand in my savings. Um, I paid off my card like immediately. Savings. Um, what do you mean, like? No, they're telling me it was your 401(k). I did withdraw that. I know, I know, and I regret it. I regret, I will say I regret that. I know, I know.

• 50:04Caleb Hammer?

  The time, the time was on your side so much.

• 50:08Speaker 03

  I know, I know.

• 50:08Caleb Hammer?

  That money compounding for the decades of your life would have been incredible.

• 50:14Speaker 03

  I think the 401k might have had 4,000 in it at the time.

• 50:17Caleb Hammer?

  That would have turned into tens of thousands by the time you retired.

• 50:21Speaker 03

  Yeah, I know. I know, I know.

• 50:23Caleb Hammer?

  Also, you could take time off because you're a bowweed.

• 50:27Speaker 03

  Because I, that's the thing, I believe, I was like 22, I was like, oh, like I got this, I have my dreams and blah blah blah, and yeah.

• 50:38Speaker 03

  Yeah, I know.

• 50:39Caleb Hammer?

  Something's not lining up though, because, listen, this was a long time ago now. And when I asked you what's going on with this card, you told me that, that doesn't make sense. You wouldn't be over maxed out right now.

• 50:50Speaker 03

  Oh, no, yeah.

• 50:51Caleb Hammer?

  From 2021. So what the are you talking about? Why are you over maxed out? Balance, balance, balance. Eight thousand, four hundred, thirty-seven dollars and eighty-three cents. Minimum monthly payment, two hundred, twenty-two dollars, which, I don't know, a thousand dollars a month? A little difficult.

• 51:12Speaker 03

  Angel numbers.

• 51:17Speaker 04

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• 51:46Caleb Hammer?

  Are you having a stroke? What's happening?

• 51:48Speaker 03

  Yes, I'm having a, that. You won't catch me saying that. Not on camera, no.

• 51:55Caleb Hammer?

  That's where everyone fails. Everyone's naughty behind the scenes. I'm just brave enough to be goony on camera.

• 52:04Caleb Hammer?

  So what? I, I, what?

• 52:09Caleb Hammer?

  Well, I don't understand why you're over max, max out. You're purchasing, why are you purchasing? Why the, possibly? If you're gonna get pushed to over max out, are you purchasing on a card? You, how long does this take to pay off if you make minimum monthly payments only without any purchases?

• 52:27Speaker 03

  The thing is, is that-

• 52:29Caleb Hammer?

  Hey, answer my question!

• 52:31Speaker 03

  Try to answer it!

• 52:32Caleb Hammer?

  No, it's a number. It's a number.

• 52:34Speaker 03

  When I'm-

• 52:35Caleb Hammer?

  See, she's trying to answer a question she didn't even listen to. Shut the fuck up!

• 52:38Speaker 03

  Oh my god, you didn't ask it right!

• 52:40Caleb Hammer?

  I'll ask it again, the same exact way, cuz it was correct. How long does this take to pay off if you make minimum monthly payments without any purchases?

• 52:49Speaker 03

  Oh, oh.

• 52:50Caleb Hammer?

  That's exactly what I asked, by the way.

• 52:52Speaker 03

  That's like gonna be what, is it 20? No, over 20?

• 52:55Caleb Hammer?

  Yeah, basically 19!

• 52:57Speaker 03

  Yeah.

• 52:58Caleb Hammer?

  Yeah, you'll be almost a 50-year-old failure.

• 53:06Caleb Hammer?

  Still living with daddy!

• 53:07Speaker 03

  I just moved in, what do you mean still? It's been, it's like what, day seven?

• 53:12Caleb Hammer?

  Over max out credit cards, 20 years to pay it off?

• 53:15Speaker 03

  No, it's, it won't take me that long.

• 53:17Caleb Hammer?

  Yes, it will, you were purchasing on it. No you won't, you were purchasing on it.

• 53:19Speaker 03

  No, I'ma figure it out, I'ma figure it out.

• 53:20Caleb Hammer?

  This is what people say, what, do you think, you think I'm gonna stop pushing back on you because you're gonna say I'm gonna figure it out? Listen, this is what you are doing right now. Like, why am I believing that? That is such a f***ing lie! If you would figure it out, you would've figured it out. What you are doing right-

• 53:35Speaker 03

  I'm trying!

• 53:36Caleb Hammer?

  Shut the f*** up! What you are doing right now-

• 53:40Caleb Hammer?

  What you are doing right now is purchasing $84.93 while $138.27 of interest is accruing. I'll figure it out, f*** you! This is what you're doing right now, what are you purchasing on here? Lady, what are you purchasing?

• 53:53Speaker 03

  I've been buying, it's probably a lot of Trader Joe's stuff, like food or whatever. Um, I, I don't know if I use that card to buy my New York buy-

• 54:00Caleb Hammer?

  Where are we going Trader Joe's, this is where the f***ing bushwhackers work.

• 54:03Speaker 03

  Well, yeah, that's cuz I was working there at the time, remember, I, I quit like two weeks ago? So, yeah, that's like where I was getting my grocery.

• 54:08Caleb Hammer?

  That's where you quit from two weeks ago.

• 54:09Speaker 03

  Like around two, or-

• 54:10Caleb Hammer?

  So you wanna see the dog slipping through the bush?

• 54:13Speaker 03

  No. I'm like I said, I'm figuring it out, okay?

• 54:19Caleb Hammer?

  Well, I have a solution to figuring that one out. Don't go there. No, just go to literally any other grocery store. You live in a major city.

• 54:26Speaker 03

  Oh, no, no, yeah, yeah, yeah.

• 54:28Caleb Hammer?

  Okay, I'm glad we figured that one out.

• 54:30Speaker 03

  That was in my other, that was the Trader Joe's in the other city I was in.

• 54:33Caleb Hammer?

  I don't know, it sounds like the heads be peeking through them leaves.

• 54:37Speaker 03

  I don't want to see that.

• 54:39Caleb Hammer?

  I'm just, I'm gonna be, I'm gonna be on the lookout next time I go to Trader Joe's.

• 54:44Speaker 03

  Why you, why do you want to see that?

• 54:46Caleb Hammer?

  Hmm, compare sizes.

• 54:52Caleb Hammer?

  And no, it's getting bullsh- It's JetBlue and it's Pizza Hut. So, off, eight hundred and five dollars of interest accrued this year so far. It's only at a 20% interest rate, which is great for a credit card if we're being honest. So you are getting destroyed, almost a thousand dollars this year alone on what's considered a relatively halfway decent, uh, credit card.

• 55:14Caleb Hammer?

  Interest rate, so you are f***ing that up.

• 55:19Speaker 03

  Well, yeah, I mean, I'm, like I said, I'm gonna, you hate the answer, but yeah, I'm gonna have to figure it out.

• 55:26Caleb Hammer?

  What is that?

• 55:27Speaker 03

  I don't know, that's what I'm saying.

• 55:28Caleb Hammer?

  Bullshit response.

• 55:30Speaker 03

  I know, and that's the thing.

• 55:31Caleb Hammer?

  It's such a dismissive response.

• 55:33Speaker 03

  It's not dismissive, I just don't know what else to say, like, cause that's all, like, I, yeah.

• 55:37Caleb Hammer?

  You're not figuring it out. You've never figured it out. You're only getting f***ing, JetBlue, f*** you, going inside, getting some bullsh- f*** you, Pizza Hut, f*** you.

• 55:49Speaker 03

  Me then?

• 55:50Caleb Hammer?

  Yes, I mean, if you're going in and getting some bullshit, I can tell, it's only a few bucks, and you're going in and getting some Pizza Hut as well. I know it's bullshit, it's bullshit, bullshit, bullshit.

• 56:02Caleb Hammer?

  So what are we doing? Why are we doing that on a card that is over maxed out? Like, you're destroying your life, you're making it so much harder for you to ever move out, so much harder to ever be with your boyfriend.

• 56:09Speaker 03

  Because this is the thing, because the money that I was making, it was my, um, monthly, like, minimum balances for all my cards. It's so much that-

• 56:21Caleb Hammer?

  Oh, sh- Oh sh-

• 56:24Speaker 03

  What?

• 56:25Caleb Hammer?

  This card says- Oh, I said it again.

• 56:28Speaker 03

  No, it says I'm the star. You can't read that shit. Said I'm the star. That's why I'm on the show, cuz I'm the star today. Like, come on.

• 56:38Caleb Hammer?

  Oh, you disgust me. No, are you here only to be on camera cuz if so, I'm ending this conversation.

• 56:44Speaker 03

  Oh my god, no, I'm literally here, obviously, being vulnerable right now. I brought my life, and you threw it.

• 56:51Caleb Hammer?

  Well, it was like five pages and like 300 empty pages. I don't know what I was supposed to do with it.

• 56:56Speaker 03

  You're trying, I want you to fill up the rest. Help me out.

• 57:00Caleb Hammer?

  I've already told you honestly, this show is very basic. Now, for what it's worth, you know, a lot of people, I've seen some complaints, it's a little weird, like, "I can't believe this isn't a super intense financial education show like The Money Guys." This is very basic, but it's also awakening more people and changing more people's finances than any of those other shows. Money Guys, Brian and Beau, I love you, but it's just like because there's more views. Uh, so more people have changed their life with this cuz we do the wake-up call. A lot of people don't even know what the budget is. A lot of people don't even know how bad that is, so that's what we do. But, let's be honest, this conversation is basic. I could do this in five minutes. Uh, your business sucks. Quit, go get a real job, pay off your debt, small to large, just use a budgeting app, we'll gift you ours for free.

• 57:45Caleb Hammer?

  Boom, relatively easily solved. That is basically the entirety of this. Now, we go through each example of your documents and I learn about you and we get in more detail, but this is simple. You're a failure you cannot be. Simple steps, budget, sacrifice your wants, get a real job instead of being a fake entrepreneur. Boom, you're on your way. Daddy, stop enabling daughter. Boom, you're on your way.

• 58:14Speaker 03

  It's like, uh, he's just investing in my future with this.

• 58:19Caleb Hammer?

  He's making sure you're never able to be independent for the rest of your life, which is horrible for your future. And I'm going to call him in the post-show, let me tell you.

• 58:28Speaker 03

  Oh my god. Do you know Spanish?

• 58:30Caleb Hammer?

  Does he know English?

• 58:31Speaker 03

  Not much.

• 58:34Caleb Hammer?

  I was-

• 58:34Speaker 03

  You could try, I mean, you could try, but I don't know how it's like for real gonna go.

• 58:39Caleb Hammer?

  I have some Spanish speakers here, but-

• 58:43Speaker 03

  Okay.

• 58:44Caleb Hammer?

  I don't know. I'm an English speaker because, you know.

• 58:47Speaker 03

  I mean, yeah, we could try that. We could try that first and then, yeah.

• 58:50Caleb Hammer?

  Why doesn't he speak English?

• 58:51Speaker 03

  I mean, he does, but like he gets by or whatever with everything.

• 58:55Caleb Hammer?

  Something I would learn.

• 58:57Speaker 03

  Yeah, I mean, he knows enough to like.

• 58:58Caleb Hammer?

  Try to.

• 58:59Speaker 03

  Yeah.

• 58:59Caleb Hammer?

  You know.

• 59:00Speaker 03

  But like for the show, you know what I mean?

• 59:01Caleb Hammer?

  For the sake of my business and everything, if I'm gonna operate here.

• 59:05Caleb Hammer?

  Like.

• 59:06Speaker 03

  I mean, he knows how to operate it, though. That's what I'm, yeah, yeah, yeah.

• 59:08Caleb Hammer?

  Good, good, good. But not for me to communicate?

• 59:11Speaker 03

  I mean, you could try, like I said, you could try.

• 59:13Caleb Hammer?

  How long has he been here? I'm not criticizing him for not speaking English specifically. It's just like, I feel like it's. I feel like that's a long time.

• 59:19Speaker 03

  No, yeah, yeah, but.

• 59:21Caleb Hammer?

  For the benefit of him and his kids.

• 59:22Speaker 03

  I mean, he's always stayed in like construction and stuff. So like, he just kind of learned that instead, like strictly that, I guess.

• 59:28Caleb Hammer?

  Okay, fair enough. Discover it. Discover it. Oh, seven, oh, good, we're over maxed out again.

• 59:37Speaker 03

  Yeah, yeah.

• 59:38Caleb Hammer?

  Because you're nothing but success. Guys, remember when she said she was, uh, doing better earlier?

• 59:45Caleb Hammer?

  Shut the up. Seven thousand one hundred seventy-five dollars and twenty-eight cents on here with a minimum payment of a hundred eighty-six dollars. Purchasing, you're purchasing. In what world do you think you can purchase on here? Listen, usually I give guests the fizz card, debit card that builds credit. We like that. I don't even want you to have that because you'll find a way to abuse it and hurt yourself, even though it's hard to do with that thing.

• 1:00:11Speaker 03

  That card originally, I used it for a balance transfer.

• 1:00:14Caleb Hammer?

  To pay off. Used it for a balance transfer and now you're purchasing on your over maxed out?

• 1:00:18Speaker 03

  Yeah, yeah.

• 1:00:23Caleb Hammer?

  How?

• 1:00:24Speaker 03

  I did go through a whole phase of like shopping a lot, like a lot.

• 1:00:30Caleb Hammer?

  It is a miracle. We have survived as a species.

• 1:00:32Speaker 03

  You know, YouTube did tell me the balance transfer or whatever, so.

• 1:00:36Caleb Hammer?

  It can be a tool. I'm okay with balance transferring. I'm okay with consolidations. I'm okay with bankruptcy. There are consequences to all. But I am not okay with any of them if you do not change your behavior and you very clearly have not changed your behavior.

• 1:00:48Speaker 03

  I'm changing it now.

• 1:00:49Caleb Hammer?

  No, you're not. Fuck you. You do not just be like, come on the show. I'm changing it today. No, look at your actions. I have it right before you came on this show. Shut the up. That is a bull response that I will not accept. I will never accept the response if I'm changing it now or I need to work on it. No fucking shit. This is what you're doing like a day before you came on, so shut up. Balance transfer, bankruptcy, consolidation are damaging if you do not change your behavior before you do those. They can be a tool with some consequences, but potentially a tool. If you change your behavior, I recommend at least three to six months of behavior change, proving it before you do it and you didn't.

• 1:01:29Caleb Hammer?

  What were you purchasing on here? Last time you said it was something, something that wasn't even, even close because it's Pizza Hut bullshit and flying. So that wasn't true. What's the lie gonna be on this one? What are you purchasing?

• 1:01:40Speaker 03

  That's the thing. I'm like, all I remember-

• 1:01:42Caleb Hammer?

  Who told you to balance transfer?

• 1:01:44Speaker 03

  Someone on YouTube and then also at the-

• 1:01:46Caleb Hammer?

  What? You don't even know who you're watching?

• 1:01:47Speaker 03

  That's the thing. I, that was a long time ago. I was watching multiple people.

• 1:01:51Caleb Hammer?

  About anything, at least know me.

• 1:01:53Speaker 03

  Now, no, that's the thing. Now, now I'm trying to, you know, find my YouTubers. That's why I found you.

• 1:02:00Caleb Hammer?

  Again, our is basic, like even those who criticize me and hate me, they don't say what I say is wrong.

• 1:02:06Speaker 03

  No, that's what I mean. No, yeah.

• 1:02:09Speaker 03

  You ate with that?

• 1:02:11Caleb Hammer?

  Yeah.

• 1:02:14Caleb Hammer?

  So you don't know what you purchased?

• 1:02:16Speaker 03

  No, that's the-

• 1:02:17Caleb Hammer?

  Credit score's 650. Not great.

• 1:02:20Speaker 03

  Oh, I thought it was lower.

• 1:02:20Caleb Hammer?

  Ah, okay, some gas. But then you went and got some bullshit, went and got some bullshit. Trader Joe's got some bullshit, Trader Joe's got some bullshit because that's, that's certainly not groceries. Way too cheap. You went in and you got some bullshit. Nine bucks, seven bucks?

• 1:02:33Speaker 03

  From where?

• 1:02:34Caleb Hammer?

  Trader Joe's.

• 1:02:35Speaker 03

  Oh, no, that's always-

• 1:02:36Caleb Hammer?

  The Dick Out Factory.

• 1:02:40Speaker 03

  Okay, listen, uh, it's Trader Ho's and then also at Trader Joe's, that's usually where I get my snacks.

• 1:02:47Caleb Hammer?

  I'm going.

• 1:02:49Speaker 03

  Hey, you should work there.

• 1:02:51Caleb Hammer?

  I do okay.

• 1:02:53Speaker 03

  So, you, hobbies?

• 1:02:55Caleb Hammer?

  Hobbies? Working retail? I have nothing against working retail, but that doesn't sound like a hobby. Like, no offense.

• 1:03:03Speaker 03

  You have no time for music? Maybe you can make time for this.

• 1:03:07Caleb Hammer?

  That does not make sense. Okay. So you're going and getting some bullshit constantly?

• 1:03:14Speaker 03

  No, I just feel like I always buy groceries. No, I usually just buy like groceries there.

• 1:03:18Caleb Hammer?

  You're not. It's like seven bucks. I know for a fact.

• 1:03:20Speaker 03

  No, I don't buy snacks like that. Like I stopped because I was like water. I buy water. Yeah, like that's. I need water.

• 1:03:30Caleb Hammer?

  Are you stupid?

• 1:03:31Speaker 03

  What do you mean?

• 1:03:32Caleb Hammer?

  We have water bottles.

• 1:03:33Speaker 03

  I know. I buy the water bottle.

• 1:03:35Caleb Hammer?

  No, we have water bottles to be refilled. You're going and buying single use?

• 1:03:39Speaker 03

  You want me to buy a water bottle?

• 1:03:40Caleb Hammer?

  Yes, cuz it's one time. You [bleep]. What do you think? What are you talking about?

• 1:03:46Speaker 03

  Oh my god.

• 1:03:47Caleb Hammer?

  This costs like a couple of your trips. You're done. It's done. Then you no have to.

• 1:03:54Speaker 03

  I'll get a water bottle.

• 1:03:55Caleb Hammer?

  Is this a brand new concept?

• 1:03:57Speaker 03

  Which card should I put it on?

• 1:03:59Caleb Hammer?

  When you go make money. Until then, until then, you're drinking out of the faucet.

• 1:04:05Speaker 03

  Like a, okay.

• 1:04:06Caleb Hammer?

  Like a what?

• 1:04:07Speaker 03

  I don't know.

• 1:04:07Caleb Hammer?

  What racial slur we're gonna use?

• 1:04:08Speaker 03

  No, I was saying like [bleep]. That's like the image that came in my head.

• 1:04:14Speaker 03

  You want, you, you trying, you trying to get something out of me. You can't get it out.

• 1:04:20Caleb Hammer?

  And you know why we bleeped what she said? Cuz she said the N-word.

• 1:04:23Speaker 03

  Oh my god. You're so crazy.

• 1:04:25Caleb Hammer?

  She said the N-word, ladies and gentlemen.

• 1:04:27Speaker 03

  Oh my god. Y'all believe what you wanna believe. I can't control that.

• 1:04:37Caleb Hammer?

  Listen, I don't know. You're just going in and getting single use, single uses and this Sitco A O Z G. You went in and got some bull [bleep] cuz Wawa, that was gas.

• 1:04:48Speaker 03

  I probably had a-

• 1:04:48Caleb Hammer?

  Petco, what for seven bucks? Definitely not food. That is way too cheap for pet food.

• 1:04:54Speaker 03

  Oh, I sometimes get like the individual cans.

• 1:04:57Caleb Hammer?

  You're a band with folks from Trader Joe's.

• 1:04:59Speaker 03

  Yeah.

• 1:05:02Speaker 03

  Yeah, we're in like a folk punk band.

• 1:05:04Caleb Hammer?

  Are you spending money on this at all?

• 1:05:06Speaker 03

  Recently, um, because my coworker, he has a new neighbor and so now we have to go to a studio to practice sometimes um, because of the drum set. So that's like

• 1:05:19Speaker 03

  thirty dollars sometimes.

• 1:05:20Caleb Hammer?

  Thirty dollars a person, thirty dollars.

• 1:05:22Speaker 03

  Per person. I know.

• 1:05:24Caleb Hammer?

  You make no money.

• 1:05:25Speaker 03

  I know, I know, I know. That's the thing. And so that's why like now in the Tampa or whatever, I'm trying to tell them like maybe we can practice at my place now. Now that, at my dad's or whatever.

• 1:05:34Caleb Hammer?

  Oh, your dad will love that.

• 1:05:36Speaker 03

  Yeah, he encourages it.

• 1:05:42Caleb Hammer?

  Doubt.

• 1:05:43Speaker 03

  No, he does. He's a party guy.

• 1:05:46Caleb Hammer?

  You're playing folk music.

• 1:05:49Speaker 03

  Folk punk.

• 1:05:53Caleb Hammer?

  Hey, Wells Fargo, 20 years to pay off again.

• 1:05:57Caleb Hammer?

  Please don't be over maxed out. Please don't be over maxed out. Can't find the max. Huge balance regardless. What's up with this card?

• 1:06:05Speaker 03

  So, each card is, has always been like a balance transfer to the start. Yeah.

• 1:06:14Caleb Hammer?

  How many times have you done this?

• 1:06:16Speaker 03

  I... In total, I have four credit cards.

• 1:06:20Caleb Hammer?

  You've done four transfers and then you've built them all up again?

• 1:06:23Speaker 03

  Technically, three, yeah. Yeah, no, I was crazy.

• 1:06:27Caleb Hammer?

  What did it after one? It would suggest that it doesn't work, you tit?

• 1:06:32Speaker 03

  It just kept going and going, because I kept saying it's gonna be different this time, and then it wasn't different. I just kept...

• 1:06:37Caleb Hammer?

  What? Why would you think it's different? It's just like you saying, "I need to figure it out afterwards." It doesn't ever happen!

• 1:06:44Speaker 03

  My mindset has changed now.

• 1:06:46Caleb Hammer?

  No, it doesn't! That's what you said before the first consolidation, and after the second consolid-ation! And after the third consolid-ation, this fourth one is no different!

• 1:06:57Speaker 03

  I hit rock bottom. I hit rock bottom. The only way is up.

• 1:06:59Caleb Hammer?

  You haven't hit rock bottom, because you can get into a much worse situation.

• 1:07:02Speaker 03

  I know I could, but this is my limit. I told myself this was gonna be my rock bottom.

• 1:07:07Caleb Hammer?

  Nope, you don't get to decide what your rock bottom is. That's not how it is. Life will go and... You're lucky you have Daddie there, but he's allowing you to go even further down. If he dies, you're fucked.

• 1:07:18Speaker 03

  I, like, uh, I am figuring, I'm gonna figure it out. Like, I have to.

• 1:07:24Caleb Hammer?

  So, as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So, why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college for... Take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

• 1:08:09Caleb Hammer?

  I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process,

• 1:08:51Caleb Hammer?

  from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and Course Careers is here to help you shape it.

• 1:09:12Speaker 03

  I know.

• 1:09:13Caleb Hammer?

  Yeah, what a bullish response, because that's what you-

• 1:09:15Speaker 03

  What do you want me to say? What do you want me to say? What would actually satisfy everything?

• 1:09:18Caleb Hammer?

  Absolutely nothing.

• 1:09:20Speaker 03

  Exactly, so I'm just gonna, you want me to talk or whatever? That's what I have to say?

• 1:09:23Caleb Hammer?

  But you don't have to say that. I don't know, there are-

• 1:09:25Speaker 03

  What do you want me to say though?

• 1:09:26Caleb Hammer?

  There are answers that other people have given that has satisfied me. I'm trying to think of an example. Listen, we're doing this live, right?

• 1:09:32Speaker 03

  Okay, because it doesn't seem like there is, if you can't think of anything now.

• 1:09:34Caleb Hammer?

  Because what you get to do at least is give an example of what you should pay off when, what you could make at a job you didn't even know what you're making. You could give real-life examples of what exactly you have to do. Instead, what you do is the defective, "I just need to figure it out." Such a general, broad, nothing answer.

• 1:09:49Speaker 03

  Yeah, because that's the thing, I, because I just moved, so I haven't sat down and do it. This is me sitting down right now. I know.

• 1:09:55Caleb Hammer?

  Instead of you actually ever figuring it out, you've only ever told yourself, "I need to figure it out." And that's why I will not accept it.

• 1:10:00Speaker 03

  Yeah, and now I want to put action into this. Why do you think I want this show? This is low-key action. I'm flown all the way from Florida to be here.

• 1:10:07Caleb Hammer?

  Yeah, but we pay for that, so it doesn't mean anything.

• 1:10:09Speaker 03

  Yeah, but it's still time out of my, like-

• 1:10:11Caleb Hammer?

  A day, you lost a day.

• 1:10:14Speaker 03

  I still, I, I put in the action to come here and talk about it, be vulnerable.

• 1:10:18Caleb Hammer?

  And I'm glad, I'm excited about that. I'm not shitting on you for that. All I'm saying is the, the, the phrase, your phrase of, yeah, I need to think about that. I need to work on that. It's nothing. Cause that's what you've told yourself your entire life after three consolidations in a row and it's never worked. So I cannot allow you to say that because it is damaging to you. Cause it's never worked.

• 1:10:37Speaker 03

  Yeah, I have to put action in. I know. I have to put action in and I want to figure out what that action is.

• 1:10:41Caleb Hammer?

  You purchased $201 on here. Yeah. And how about not that action? That's a good start.

• 1:10:46Speaker 03

  Right.

• 1:10:47Caleb Hammer?

  I oversold it by a hundred stupid dumb, dumb, $133.

• 1:10:59Caleb Hammer?

  The minimum's 177. Stupid, this is so stupid. Minimum to payment is, or the balance is 5,133.58. What did you purchase on? That just happened, so you should know.

• 1:11:15Speaker 03

  I will say, whenever I use a card, I'm not looking, I'm just seeing which one has the balance to like pay it or whatever. Cause my checking account always gets to zero because I have to pay all those minimum balances. Cause I think in total, um, I probably pay like 700 a month for my credit cards in total.

• 1:11:31Caleb Hammer?

  Good. You deserve that.

• 1:11:32Speaker 03

  Yeah. That's the thing. I have nothing in my checking. So then usually.

• 1:11:35Caleb Hammer?

  Good. Get a job.

• 1:11:36Speaker 03

  Yeah. Yes. I'm, I'm going to put in the action.

• 1:11:42Caleb Hammer?

  I certainly hope so. That's a wait and see. That's not a fucking conversational piece.

• 1:11:49Speaker 03

  Yeah.

• 1:11:50Caleb Hammer?

  Like yes, I also should say, you're just named to put in the action. That means nothing. You've done nothing. You've always only told yourself you need to put in the action, then you never do. So that means nothing. Shut the up.

• 1:12:04Caleb Hammer?

  So you have no idea what you purchased?

• 1:12:07Speaker 03

  I just-

• 1:12:07Caleb Hammer?

  It just happened.

• 1:12:09Speaker 03

  Was it food? It probably was food. I've been buying food.

• 1:12:13Caleb Hammer?

  Yeah, going in and getting some bullshit, getting some bullshit, getting some bullshit, going, getting some bullshit, getting some bullshit. And the garden restaurant and getting some bullshit. And then vans. You did not need new shoes, I promise.

• 1:12:24Speaker 03

  Oh, I literally didn't have any shoes.

• 1:12:26Caleb Hammer?

  That's a lie. There is no way.

• 1:12:28Speaker 03

  I only had heels. That was it.

• 1:12:28Caleb Hammer?

  There is no humanly possible way.

• 1:12:31Speaker 03

  I don't own a lot of shoes like that.

• 1:12:32Caleb Hammer?

  A lot of shoes, but you own shoes.

• 1:12:34Speaker 03

  Heels. I only had heels.

• 1:12:35Caleb Hammer?

  Go to Goodwill.

• 1:12:38Caleb Hammer?

  Three hundred seventy-one dollars and eighty-seven cents of interest this year so far. Well, you certainly can't afford a restaurant that was more expensive than vans. The garden?

• 1:12:50Speaker 03

  The garden.

• 1:12:50Caleb Hammer?

  The garden?

• 1:12:53Caleb Hammer?

  The garden?

• 1:12:54Speaker 03

  I don't even remember what that was.

• 1:12:56Caleb Hammer?

  It was eighty-six dollars and fifty cents.

• 1:12:57Speaker 03

  Eighty-six dollars.

• 1:12:59Caleb Hammer?

  And fifty cents.

• 1:13:00Speaker 03

  Garden. I I really don't remember where that was.

• 1:13:05Caleb Hammer?

  Now, this is dad that enables you. When you do not have enough money in your account and you do not have-

• 1:13:13Speaker 00

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• 1:13:43Caleb Hammer?

  The ability to spend on a credit card because they're over maxed out. Does he ever give you money?

• 1:13:48Speaker 03

  He's helped me.

• 1:13:49Caleb Hammer?

  No, no, dad, no. Papa.

• 1:13:55Caleb Hammer?

  Right? What do we call them?

• 1:13:57Speaker 03

  Uh, yeah.

• 1:13:58Caleb Hammer?

  Senor? Senor! No!

• 1:14:02Caleb Hammer?

  Puppy!

• 1:14:07Speaker 03

  He says that when he was my age, he was drowning too or whatever. So yeah, he's

• 1:14:13Caleb Hammer?

  And what happened? Did his grandparents bail him out?

• 1:14:16Speaker 03

  Um, well, he, he said, he says, he figured it out.

• 1:14:21Caleb Hammer?

  There we go. He figured it out because there wasn't an endless enablement system. And now he is making sure you never figure it out. How much, how much does he lend you here and there? Lend or give? I don't even know. Um, you have debt to him?

• 1:14:34Speaker 03

  He, I tried to, I, I offered to pay it back, but he doesn't.

• 1:14:38Caleb Hammer?

  How much and how often and when and what?

• 1:14:41Speaker 03

  It's only been whenever I couldn't pay off a bill or whatever. So yeah.

• 1:14:45Caleb Hammer?

  You don't make money.

• 1:14:47Speaker 03

  Yeah, well, yeah, there's, um, for example, like a hundred dollars usually if I have to like say a certain thing.

• 1:14:55Caleb Hammer?

  Oh, you borrowed a thousand dollars the past few months?

• 1:14:57Speaker 03

  Yeah, because I needed, like I said with the bills, like if it's just like, oh, you know, like here or whatever, I couldn't like pay for the Uber. So he had to like send me a hundred.

• 1:15:11Speaker 03

  Yeah. But with the other stuff, yeah, like the, I had to get like 600 for like bills and like whatever. And yeah.

• 1:15:22Speaker 03

  I thought you couldn't break those mics.

• 1:15:26Speaker 03

  Oh, nevermind.

• 1:15:30Speaker 03

  Yeah.

• 1:15:32Caleb Hammer?

  Dude, you're never gonna make it anywhere until he cuts you off and makes you actually go get your own shit figured out. Cause you're never gonna have the incentive to figure it out. Cause he's always gonna help you. If he can take care of the bills, why would you have the incentive to go grind and pay the bills?

• 1:15:44Speaker 03

  Literally.

• 1:15:45Caleb Hammer?

  Can you answer that question?

• 1:15:46Speaker 03

  Okay, so.

• 1:15:47Caleb Hammer?

  Answer that question. Why would you have the incentive to go out and grind when a bill comes due if he will just pay for it?

• 1:15:56Speaker 03

  Cause it's not like he can always pay for it. Like with his job is it comes in seasons, like construction, you know?

• 1:16:01Caleb Hammer?

  Right. So you're taking from someone like that? That's honestly selfish bitch behavior.

• 1:16:06Speaker 03

  And it makes me feel terrible or whatever because of other situations.

• 1:16:09Caleb Hammer?

  Consistently do it.

• 1:16:10Speaker 03

  Well, this, this is a more recent thing that happened though. Like this had been for like the past, um, I started having these issues, I think like a, about a year ago. Because before that I, I was never asking him for money or anything like that.

• 1:16:22Caleb Hammer?

  Does your boyfriend speak English?

• 1:16:24Speaker 03

  Yeah, yeah, yeah.

• 1:16:25Caleb Hammer?

  Okay, maybe I'll call him in the post show.

• 1:16:27Speaker 03

  Okay. Yeah, call him.

• 1:16:31Caleb Hammer?

  Cause you guys have been together for so long and he must be enabling you too. And the fact that he's living there, it's so weird. You guys are just deadbeats.

• 1:16:40Speaker 03

  Hey, we're trying, we're trying to come up with actions now.

• 1:16:45Caleb Hammer?

  Again, that is in nothing to me. You're trying to come up with action. Do action!

• 1:16:48Speaker 03

  I'm, I know. This was the second one.

• 1:16:52Caleb Hammer?

  You're not, no, you could do so much without coming on the show. You could literally just work it to work.

• 1:17:00Caleb Hammer?

  So stupid. And you plan on spending hundreds upon hundreds to get a salon set up in your house illegally?

• 1:17:07Speaker 03

  Oh my gosh. Well, cause it just.

• 1:17:12Caleb Hammer?

  Illegally?

• 1:17:14Speaker 03

  I wanna look into it and see what I can do.

• 1:17:17Caleb Hammer?

  That's her response for everything. You're so annoying.

• 1:17:20Speaker 03

  Stop telling me the same shit too.

• 1:17:23Caleb Hammer?

  Instead of just saying, oh, you're right. It's, oh, I'll look into it. Like, shut up.

• 1:17:28Speaker 03

  Oh my god. Why do you wanna hear that you're right so bad? Why do you wanna control the conversation so much?

• 1:17:34Caleb Hammer?

  It's not about my ego. It's about you accepting it.

• 1:17:37Speaker 03

  I didn't say ego.

• 1:17:38Caleb Hammer?

  That's how you're framing it. It's about you accepting it.

• 1:17:42Speaker 03

  I accept it.

• 1:17:43Caleb Hammer?

  Instead of, I need to look into it. It's a deflect and move on response. That's what it is.

• 1:17:50Speaker 03

  I'm trying to accept it. That's the thing. I have the debt.

• 1:17:54Caleb Hammer?

  Just accept it. Don't try to accept it. Accept it.

• 1:17:57Speaker 03

  I accept it.

• 1:17:57Caleb Hammer?

  Wow, she finally did something. First time in her fucking life.

• 1:18:03Caleb Hammer?

  You know, good luck to your family. City Simplicity. Okay, what's going on with this card?

• 1:18:10Speaker 03

  Uh, yeah, no, it was, like I said, that was the last, yeah, no, that was the last card actually that I got. Um, balance transfer. Yeah.

• 1:18:20Caleb Hammer?

  I'm still purchasing. Still purchasing. Over the limit! Over the limit!

• 1:18:27Caleb Hammer?

  What a joke. What a joke of a life you live. You don't give a [bleep]. Seventy-six dollars and forty-two cents. You don't give a [bleep]. Everything's been bullshit purchases. Haven't seen other than one gas purchase. Haven't seen a single necessity. What a [bleep] joke. Fourteen years to pay off. Good luck. Good absolute luck.

• 1:18:47Caleb Hammer?

  Ah.

• 1:18:49Caleb Hammer?

  For a Paris trip?

• 1:18:52Speaker 03

  I did go last year and Amsterdam.

• 1:18:54Caleb Hammer?

  What? What the [bleep] is wrong with you? You can't afford [bleep].

• 1:18:58Speaker 03

  I, yeah, that's actually how I completely maxed it out, actually.

• 1:19:04Caleb Hammer?

  All my purchases are [bleep] and bullshit again. Oh, going in to get it's a bullsh- going to get it's a bullsh- get it's a bullsh- get it's a bullsh- And laundry. Did I have laundry at your house?

• 1:19:17Speaker 03

  No, I mean, now I do. Like, the laundromat or whatever? Yeah.

• 1:19:20Caleb Hammer?

  Yeah?

• 1:19:21Speaker 03

  Yeah, I have. It's like, um, where I was at.

• 1:19:24Caleb Hammer?

  Okay, that's fine. That's fine. That's fine. Everything else was bullsh-

• 1:19:28Speaker 03

  My god.

• 1:19:31Caleb Hammer?

  What?

• 1:19:32Speaker 03

  Like, uh.

• 1:19:33Caleb Hammer?

  It was all bullshit? Are you not willing to accept it was all bullshit?

• 1:19:37Speaker 03

  I can't look at it. It's a thing.

• 1:19:38Caleb Hammer?

  You're going in to get it's a bullsh- you're going in to get it's a bull-

• 1:19:41Speaker 03

  Groceries.

• 1:19:41Caleb Hammer?

  Not groceries. Not groceries. I guarantee you they were not groceries.

• 1:19:45Speaker 03

  Oh, the water. Yeah, I got it. I have to buy a water bottle. Got it.

• 1:19:47Caleb Hammer?

  You're [bleep] around. You're being bullsh-

• 1:19:50Speaker 03

  Ah.

• 1:19:52Caleb Hammer?

  This is so [bleep] stupid. The way you were living. No, Hila, so this is still in loans?

• 1:19:58Speaker 03

  Yeah.

• 1:19:59Caleb Hammer?

  What did you do? This is for cosmetology?

• 1:20:01Speaker 03

  Yeah.

• 1:20:02Caleb Hammer?

  Ten thousand dollars for cosmo [bleep]ology?

• 1:20:04Speaker 03

  It was eighteen thousand.

• 1:20:05Caleb Hammer?

  All for you to not use it?

• 1:20:06Speaker 03

  Oh, but yeah, I had a Pell Grant and then I paid off a five-hundred-dollar loan.

• 1:20:11Caleb Hammer?

  Oh, man, we Pell granted for [bleep] cosmetology? Kill me now. Nine thousand, nine-hundred-and-thirty-five dollars and sixty-nine cents. Re- look at the Pell Grant system, ladies and gentlemen. Payments are becoming due soon.

• 1:20:26Speaker 03

  Yeah.

• 1:20:27Caleb Hammer?

  Cause the time for this sitting at zero is done.

• 1:20:31Speaker 03

  Yeah.

• 1:20:31Caleb Hammer?

  Oh, they've announced it. And you're [bleep] and you're gonna have to actually pay the bills that you chose to take out. Ha, ha, ha, ha, ha.

• 1:20:38Speaker 03

  Yeah.

• 1:20:39Caleb Hammer?

  You deserve it.

• 1:20:41Caleb Hammer?

  And I'm okay with income-based repayment. That's okay. And luckily, you'll be on an older system of income-based repayment instead of the newer systems that have been announced, cause that's for future borrowers, if I'm not mistaken, but- Nine thousand nine hundred thirty five dollars. I'm guessing with an income based thing and it's gonna be pretty cheap. Typically, I'd say you're about at a hundred fifty bucks traditional. I'm gonna say you're gonna get moved down to twenty five to fifty. I'll do fifty just to be, you know, just to be safe as we make out the budget at the end. This is ridiculous. How long was cosmetology school?

• 1:21:15Speaker 03

  It was um about like a year and a half for me.

• 1:21:19Caleb Hammer?

  Okay.

• 1:21:20Speaker 03

  Yeah.

• 1:21:21Caleb Hammer?

  Is that normal?

• 1:21:22Speaker 03

  Well, it took me a little bit longer because of um family stuff.

• 1:21:29Caleb Hammer?

  Okay. Eee. Okay.

• 1:21:38Caleb Hammer?

  So these are gonna come due soon.

• 1:21:39Speaker 03

  Yeah.

• 1:21:40Caleb Hammer?

  And you better pay or else they're gonna come and get ya.

• 1:21:43Speaker 03

  I'll pay. I'm I'm paying it. I don't want them to get me.

• 1:21:49Caleb Hammer?

  This is your checking account.

• 1:21:53Caleb Hammer?

  Really not much in here. It's very scary. Lots of transfers back and forth.

• 1:21:57Speaker 03

  Oh, yeah.

• 1:21:58Caleb Hammer?

  Paying for?

• 1:21:59Speaker 03

  Oh.

• 1:21:59Caleb Hammer?

  Paying for deposits? Paying for, paying for, paying for, paying for? What are all these paying for's?

• 1:22:06Speaker 03

  Oh, so my.

• 1:22:07Caleb Hammer?

  Oh, no.

• 1:22:08Speaker 03

  Um overseas, my mom lives in Venezuela and she uses my um debit card for transactions over there. For like food and stuff.

• 1:22:18Caleb Hammer?

  Why you? Why not Papa or Papi? You make no money.

• 1:22:22Speaker 03

  It's um so my dad and my aunt um they transfer and then I also help out to like send money over there.

• 1:22:29Caleb Hammer?

  Uh they're seeing the the statement that they went through. They were not seeing overseas transactions.

• 1:22:33Speaker 03

  It is.

• 1:22:34Caleb Hammer?

  For some of the paying for's.

• 1:22:35Speaker 03

  Well, cuz she has, I mean, I guess cuz she has access because they use Zelle over there for the grocery stores and stuff.

• 1:22:42Caleb Hammer?

  Well, Zelle's different. I'm talking about the the fucking Chase paying for's.

• 1:22:45Speaker 03

  Oh, that. Oh, yeah, yeah, yeah.

• 1:22:47Caleb Hammer?

  Yeah, you know, the thing that I said like four times. Yeah, they never mentioned the word Zelle once.

• 1:22:51Speaker 03

  Sorry, sorry. Yeah, yeah, yeah. No, my bad because.

• 1:22:54Caleb Hammer?

  I'm glad we're just hearing things that I'm not even saying. Yeah, keep going.

• 1:22:58Speaker 03

  Oh, my god. Okay, well, that um yeah, I had used it because my mom needed money and stuff, so then I put that like.

• 1:23:08Caleb Hammer?

  Just do everything else wrong like

• 1:23:09Speaker 03

  Yeah.

• 1:23:10Caleb Hammer?

  Michael stores going into BS, going in, getting some BS, going in, getting some BS salon centric, going and getting some BS, the hideaway bar, a DM a draw five hundred sixty dollars, who knows where the that one, that's insane, battle to LA, going and getting some BS, going and getting some BS Wendy's, Amazon, go in and get into BS, brock oven pizza, go in and get into BS, you go in and you stop for constantly, Pizza Hut, a DM a charge twenty dollars, who knows where that went, going in and getting some BS.

• 1:23:38Caleb Hammer?

  Oh, zailing out, hold on, how much does mom take, because this is like upwards of two thousand dollars?

• 1:23:46Speaker 03

  Well, yeah, that's the thing, we help fund everything over there because it's

• 1:23:49Caleb Hammer?

  You don't have money, you can't, I'm sorry, the best way to take care of other people is making sure you're at least able to survive, so you can take care of them long term, right now, I'm seeing about two thousand five hundred dollars in sales, that's impossible, your savings has gone down to zero dollars, this is impossible, you can't fund this, your dad can, you cannot, you don't make money, how how would you?

• 1:24:10Caleb Hammer?

  I don't like this, and I know the situation Venezuela is about they really

• 1:24:15Speaker 03

  My grandparents there and my grandma has Alzheimer's.

• 1:24:19Caleb Hammer?

  Money, how are you ever gonna be able to live life?

• 1:24:23Speaker 03

  Yeah, I mean, that's the thing, and it's hard to, because in Venezuela, like, the prices, they change every day.

• 1:24:28Caleb Hammer?

  And have they considered coming here?

• 1:24:31Speaker 03

  They can't.

• 1:24:32Caleb Hammer?

  Why?

• 1:24:32Speaker 03

  Well, my mom can't, she has, she has to wait the ten years.

• 1:24:36Caleb Hammer?

  Okay.

• 1:24:37Speaker 03

  Yeah, because she got

• 1:24:38Caleb Hammer?

  How far is she?

• 1:24:39Speaker 03

  Uh, seven.

• 1:24:39Caleb Hammer?

  Ten years of what?

• 1:24:41Speaker 03

  Um, because she was deported.

• 1:24:43Caleb Hammer?

  She was deported, was she on asylum?

• 1:24:45Speaker 03

  Um, it was

• 1:24:46Caleb Hammer?

  For Venezuela?

• 1:24:48Speaker 03

  Yeah, it was like, um, we tried to do the asylum thing and stuff, but our lawyer, they switched it over um, to a different lawyer at the last minute somehow, yeah.

• 1:24:56Caleb Hammer?

  Public lawyer?

• 1:24:57Speaker 03

  And she was terrible, she had everything wrong.

• 1:25:00Caleb Hammer?

  A public lawyer?

• 1:25:01Speaker 03

  Um, it was, um, that's the thing, I was, I was eighteen at the time, so I don't really know too much from that, but I know that it was like, um,

• 1:25:10Caleb Hammer?

  Ten years and then what?

• 1:25:12Speaker 03

  Um, and then she would have like a chance, I believe, to like, try to like, reapply for like a visa or something, yeah.

• 1:25:18Caleb Hammer?

  Of which I wonder what that accept rate even is, if that's on our record.

• 1:25:22Speaker 03

  No, yeah, yeah, so.

• 1:25:26Caleb Hammer?

  Yikes.

• 1:25:28Caleb Hammer?

  Now, as I build this budget, you and your boyfriend have been together for a long time and I understand it's a complex relationship with you guys not wanting to get married, but we're still kind of a household. It's weird. What is your guys' communication relationship with money as I do this budget? Like, what is anything with you guys?

• 1:25:44Speaker 03

  So, uh, we, I know that he's not super comfortable with like finances and stuff like that. Just

• 1:25:51Caleb Hammer?

  In what way?

• 1:25:52Speaker 03

  He just doesn't like learn about it and all that stuff. He doesn't, um, he did have just like, um, it wasn't a credit card, but it was one of those things.

• 1:26:00Caleb Hammer?

  Does he have debt?

• 1:26:02Speaker 03

  It's paid off now. Cause it was only a two hundred. Yeah, yeah, yeah. Yeah. So, no.

• 1:26:06Caleb Hammer?

  So why are you trying to say he's the one bad with, what?

• 1:26:10Speaker 03

  Oh, no, no. I'm not saying he's bad at it.

• 1:26:12Caleb Hammer?

  Terrified?

• 1:26:12Speaker 03

  Yeah.

• 1:26:13Caleb Hammer?

  He has no debt?

• 1:26:14Speaker 03

  Yeah, but he doesn't like, he gets scared to look into it, if that makes sense. Like, yeah.

• 1:26:18Caleb Hammer?

  You guys shouldn't. You should be scared too. You have completely fucked your life. But what is your guys' relationship communication with finances? What are we pl- planning to do?

• 1:26:26Speaker 03

  To like, with my credit cards or like?

• 1:26:29Caleb Hammer?

  No, with the finances, you guys together.

• 1:26:33Speaker 03

  Um, because like the marriage thing or whatever?

• 1:26:36Caleb Hammer?

  He may have taken advantage of you.

• 1:26:39Speaker 03

  Um, no, no, I don't think so. Because me and him, we've always kind of gone back and forth with, um, like if he has a job and then I don't.

• 1:26:46Caleb Hammer?

  Why don't you guys just have jobs together? You guys are so weird.

• 1:26:51Speaker 03

  Yeah. That's something that.

• 1:26:54Caleb Hammer?

  But I am being told that some of the spending for him is done on your debt. Whereas you're the ones that have all the debt he is not, meaning that in a way, that does put, especially with not being married, it puts the bill on your plate, the debt on your plate. Would that not be a heavier weight towards you versus him?

• 1:27:16Speaker 03

  I mean, yeah, like, um, I guess the thing is, I was the one that got the credit cards and everything like that. And I off, that's the, I offered to like help out. Cause I know that he wanted to be a chef and everything. And so I know he was working as a cook and I know, and then it wasn't making a lot of income from that. Uh, yeah. So that's the thing like.

• 1:27:35Caleb Hammer?

  Can you guys do something that makes an income? By chance at some point ever?

• 1:27:39Speaker 03

  That's why he's getting into construction and trying to.

• 1:27:40Caleb Hammer?

  Listen, he's literally just with your dad, though. He wouldn't have a job if it wasn't your dad.

• 1:27:45Speaker 03

  Yeah, I know.

• 1:27:45Caleb Hammer?

  So it's like your dad isn't just.

• 1:27:48Speaker 03

  No, but.

• 1:27:48Caleb Hammer?

  If it wasn't for your daddy, guys would be dying.

• 1:27:50Speaker 03

  Yeah, no, I'm grateful for my dad.

• 1:27:52Caleb Hammer?

  Which you might need to be dying a little so you can get your shit in gear.

• 1:27:58Speaker 03

  I'll get in gear.

• 1:27:59Caleb Hammer?

  Or when you learn the thing, sometimes people need to reach rock bottom. Yeah, I think you need to. And the way to do that is your dad takes away the piggy bank.

• 1:28:08Speaker 03

  Hey, this is the thing I.

• 1:28:09Caleb Hammer?

  Cause you're not gonna hit rock bottom until he does.

• 1:28:12Speaker 03

  I've worked a lot like my whole life and stuff, even helping my dad and everything like that, too. So it's and I know in his way, it's just a lot to get into or whatever about growing up. But yeah, basically, I know, I don't know, he it's it's just complicated.

• 1:28:28Caleb Hammer?

  Okay.

• 1:28:29Speaker 03

  I don't know. Yeah.

• 1:28:30Caleb Hammer?

  What's not complicated is very clearly you're being enabled and it is holding you back. That's not complicated.

• 1:28:38Caleb Hammer?

  That's the reality of the situation. You would not be okay with sitting on your ass for a few weeks if you did not have daddy there. If your bills could be covered by him and if the roof over your head can be covered by him, you would not be okay with your current situation. You would be out there finding a way to make money. You would be out there providing value in the marketplace and you would be receiving dollars back. And you'd be able to pay your bills and you'd actually be learning financial discipline. But because daddy is there to save you, you have really no need to do that. And it's okay for you to sit on your ass.

• 1:29:11Speaker 03

  I'm not trying to sit on my ass, though.

• 1:29:13Caleb Hammer?

  But you are and you wouldn't be if you needed to.

• 1:29:17Speaker 03

  Been there for a few days.

• 1:29:18Caleb Hammer?

  Come on, but you quit a few weeks ago. You would have something lined up if you didn't have your dad lined up.

• 1:29:23Speaker 03

  But because he said, like I said, the two month thing for me to just get myself together.

• 1:29:28Caleb Hammer?

  Exactly, that's unacceptable.

• 1:29:30Speaker 03

  I can't have the two minds and then, you know, go out and do it.

• 1:29:34Caleb Hammer?

  You figuring it out is trying to set up an illegal shop. Like it's nothing real. This is so dumb. Income? I don't even know, but we can only see what you need to survive for a budget. So this is ridiculous. Your debt minimum to payments is $711.42. Do you have to pay rent, utilities, internet, anything?

• 1:29:55Speaker 03

  Um, no, not yet.

• 1:29:58Caleb Hammer?

  Okay. Gas, room, room, drive, drive.

• 1:30:01Speaker 03

  Uh, I'm near a lot of stuff, so I don't think I have to pay that much anymore for that. So I'd say probably maybe $40 a month.

• 1:30:10Caleb Hammer?

  Car insurance.

• 1:30:11Speaker 03

  Car insurance is about $230.

• 1:30:15Caleb Hammer?

  Chunky. Phone bill?

• 1:30:17Speaker 03

  Phone bill? I, uh, my dad takes care of that.

• 1:30:20Caleb Hammer?

  Uh huh. If you ever have to have yours, as long as T-Mobile's get in your area, I would do helium. Super cheap, super affordable.

• 1:30:25Speaker 03

  Oh, thank you.

• 1:30:27Caleb Hammer?

  Necessary food? How does groceries work in the house? Not you stopping for water every five seconds of your life? How do groceries work in your house?

• 1:30:37Speaker 03

  Um, I would say... I've been noticing, I think around maybe $1.50 a week.

• 1:30:44Caleb Hammer?

  No! How do groceries work? Who's buying what?

• 1:30:47Speaker 03

  Well, right now, it's been, um, my dad and my boyfriend. Or I have to with the money that I got from Trader Joe's, like, right now. But for future...

• 1:30:58Caleb Hammer?

  So the...

• 1:30:59Speaker 03

  Like, do you, because that's the thing, I'm like, I just, like, right, trying to not have the...

• 1:31:03Caleb Hammer?

  TV fund, $100. Anything else you need to survive groceries? I'm gonna say $150 is what you contribute, maybe. Medical, healthcare, anything?

• 1:31:10Speaker 03

  Um, I know my dad takes care of that one. I'm on his plan.

• 1:31:14Caleb Hammer?

  No.

• 1:31:15Speaker 03

  Or no?

• 1:31:16Caleb Hammer?

  You're 26, isn't that where it ends? Or is 26 the last year?

• 1:31:18Speaker 03

  Oh, no. Well, he, um, I don't know, he put me in some sort of plan or whatever. I, I don't know. I, I don't know.

• 1:31:25Caleb Hammer?

  No.

• 1:31:28Caleb Hammer?

  I don't think so.

• 1:31:30Speaker 03

  I just know that he at least covers the payment for it.

• 1:31:33Caleb Hammer?

  Oh.

• 1:31:33Speaker 03

  I don't, that's, yeah, I know.

• 1:31:35Caleb Hammer?

  Oh, you baby. You'll never learn anything. It's true.

• 1:31:39Speaker 03

  I'm trying to learn now. No, I'm trying to learn now.

• 1:31:43Caleb Hammer?

  Subscriptions, no, fuck off, fuck off, fuck off, I don't know, dude. So you may be bringing a thousand hours in, but you need at least to just live with him alone is a thousand two hundred and thirty one dollars and forty two cents. What is your plan with that? I'd like to hear from you. Self-assess. What the is your plan with that?

• 1:32:03Caleb Hammer?

  How do you even pay for that? What's your plan? Here, you always thinking about it and you have to think and you have to make plans? Go ahead, make one.

• 1:32:10Speaker 03

  Okay. So, um. I know that I can get some hair services in as well as sell some rugs and everything like that. Typically, like I said, a thou- that's a thousand there. That's a thousand there. There's a thousand there, okay? Um, my boyfriend, I know, you're gonna hate this or whatever, but he is going to help me with this since he's getting paid and everything.

• 1:32:36Caleb Hammer?

  Been married.

• 1:32:39Speaker 03

  I'll, I'll look into that, cuz I, like I said, I haven't looked into it.

• 1:32:41Caleb Hammer?

  I'll look into it. Oh, my.

• 1:32:43Speaker 03

  Say that genuinely with marriage, haven't looked into like that.

• 1:32:50Speaker 03

  Oh, my God. Okay, and then, um. Okay, so like, I will say.

• 1:32:56Caleb Hammer?

  What will you say?

• 1:32:58Speaker 03

  I do travel a lot and I wanna factor that into like budgeting somehow.

• 1:33:04Caleb Hammer?

  That doesn't make sense. You can't even afford what's there. And that's nothing.

• 1:33:08Speaker 03

  Yeah.

• 1:33:08Caleb Hammer?

  How the are we even talking about travel?

• 1:33:11Speaker 03

  Like. I don't know, cuz I know like, for example, I know there's like a cruise or whatever that my friend wants me to go on and stuff.

• 1:33:18Caleb Hammer?

  Your friend or they can pay for it.

• 1:33:22Speaker 03

  True, true.

• 1:33:23Caleb Hammer?

  They can pay for that is your only way to go on the cruise. What are you laughing at, you?

• 1:33:28Speaker 03

  My god, because you know what? If I, I can either cry or laugh.

• 1:33:33Caleb Hammer?

  What else is travel bullshit? You.

• 1:33:36Speaker 03

  Um, well, I go to New York pretty often.

• 1:33:40Caleb Hammer?

  Why?

• 1:33:41Speaker 03

  Because.

• 1:33:42Caleb Hammer?

  You don't have money and you're trying to fund your mom? That's not even in the budget either.

• 1:33:47Speaker 03

  I, okay, so I don't have to pay for a place to stay there. I usually find tickets for thirty dollars. Round, round, I could get a dollar pizza there. Or actually, a lot of times I find things where it gives me free food too. Like events and all that stuff. I get invited to a lot of events over there.

• 1:34:04Caleb Hammer?

  And they're calling you out, they're saying lies. The flights are not thirty dollars.

• 1:34:07Speaker 03

  Well, yeah, no, like, that's the thing. I try to find stuff like that. At most, I'll go to like eighty.

• 1:34:12Caleb Hammer?

  This is one of the things that she tries and then she doesn't. And then she's like, okay, so I'm just gonna spend a lot more. Off. Your mindset and your excuses for your own life and misbehaviors are unacceptable. Unacceptable. You have f***ed around. And your dad needs to cut you off and you need to hit rock bottom. And I'm gonna call them both. We're gonna talk and I need you to get f***ed destroyed. So you have to go out there and get done on your own. What a joke.

• 1:34:47Caleb Hammer?

  Listen, guys, join us in the post show. I'm gonna give our Hammer Financial score right now, but join us in the post show. Remember, sign up for Hammer Elite is free for this month. I will reimburse the purchase at hammerelite.com. Come watch the post show. I'm gonna call her boyfriend and it's gonna definitely be interesting. I know that for a fact, because I need to confront the f*** kind of this failure. Spending in a budget, you ever spend zero out of ten? Debt? I mean, they're, they're over the balance, all of them, except for your student loans. Cause you can't. Zero out of ten, then? Emergency fund, you drained it to zero. Zero out of ten, retirement, you took it out, zero out of ten. Real estate, good f***ing luck ever, according to that, zero out of ten. Hammer Financial score, zero out of ten.

• 1:35:28Caleb Hammer?

  Join us in the post show, join Hammer Elite in the description below or click that join button. Submit the proof of purchase at hammerelite.com only for this month and I will reimburse it with a ten dollar digital gift card that can be spent in any, anywhere in any country. You allow yourself to quit your job. Take out a f***. Why didn't I know about the payday law?

• 1:35:47Speaker 03

  I forgot, have you ever jerked it at work?

• 1:35:50Caleb Hammer?

  Social teaser is gonna look very weird. You are being cucked. No, no, no!

• 1:35:57Speaker 06

  He's getting cucked in 4K.

• 1:35:59Caleb Hammer?

  Elusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 1:36:09Speaker 04

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