She Destroyed My Sanity | Financial Audit

*I CALLED HER MOM* and I fully confronted her- and her mom is *DONE* ... she exposes all these extra lies Parker has been peddling. It's crazy. Watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 01:39 Job & Income 04:31 employers worst nightmare right there lol 12:01 shes sympathy baiting!!! 24:00 free therapy but she never went??? 29:41 fricking MAGA forcing people to buy real estate, gggrrr!!! 40:15 chat, stop being mysoginistic and racist :v 54:18 hmmm something tells me she doesn’t know what she’s talking about lol 01:06:03 imagine owing your mom so much money… 01:10:33 is she just lazy?? 01:23:03 bullsht bullsht bullsh*t 01:25:41 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Lady goes on local news, multiple city council meetings is the face of it. Next place gets fired because she's bad at her job. And now she is shocked that she cannot get hired. How is it your MAGA family's fault?

• 0:16Speaker 01

  We're built on a patriarchy.

• 0:19Caleb Hammer?

  It's always someone else's fault with you, isn't it?

• 0:20Speaker 01

  No.

• 0:21Caleb Hammer?

  Oh, no?

• 0:22Speaker 01

  No.

• 0:23Caleb Hammer?

  If you're calling the entirety of the United States today racist and misogynistic, that's pretty extreme.

• 0:30Speaker 01

  These are the only people of color.

• 0:31Caleb Hammer?

  All that matters is today. Why do you care about 1803? Why does a year that we did not live in matter? I'm sorry, I was on your side and you [__] it.

• 0:41Speaker 01

  I need to get out of there.

• 0:44Caleb Hammer?

  I just launched Liquid Assets, my official Gamersub's flavor, raspberry apple, at less than 40 cents a serving. It's also zero sugar and under one calorie. Use code CALEB for 10% off your entire order. Oh, and one out of every 10 tubs has my face printed right on it. Grab Liquid Assets at gamersubs.gg/caleb or at the link in the description in pinned comment below. This is the best drop Gamersubs has ever run. Link in the description.

• 1:14Speaker 01

  Hi, I'm Parker. I'm 34 and I'm from California Central Valley. This is Financial Audit.

• 1:20Caleb Hammer?

  Yes, it is. Thanks for coming over to Austin like everyone else from Central Valley, California. What do you do there for a living? Expensive California notoriously?

• 1:30Speaker 01

  Not my part of California.

• 1:31Caleb Hammer?

  Well, it's gonna be still expensive compared to the United States, right?

• 1:35Speaker 01

  True. Um, I work in a plumbing office. I do customer service now, but I was before we got bought out.

• 1:45Caleb Hammer?

  Customer service?

• 1:46Speaker 01

  Yeah.

• 1:47Caleb Hammer?

  That's the job, customer service. There it is. So what do you make doing customer service?

• 1:50Speaker 01

  $25 an hour.

• 1:52Caleb Hammer?

  How the [__] are you living in Central Valley, California?

• 1:54Speaker 01

  I live with my parents.

• 1:56Caleb Hammer?

  Thirty-four?

• 1:58Speaker 01

  Yeah. It was a backslide.

• 2:01Caleb Hammer?

  Backslide from what?

• 2:03Speaker 01

  Uh, from owning my own house and two cars.

• 2:04Caleb Hammer?

  You owned a house? And you backslid a living in?

• 2:08Speaker 01

  Yeah.

• 2:09Caleb Hammer?

  How many hours a week do you work?

• 2:11Speaker 01

  Forty.

• 2:12Caleb Hammer?

  So what is your net take home per paycheck and what is that per paycheck cycle?

• 2:16Speaker 01

  Uh, I get paid every two weeks and it was when I got my first paycheck with the new company. It was 15, 50.

• 2:26Caleb Hammer?

  Me. Good. What, dude, what was your job? What was your job when you had your house and why the [__] are you doing that now?

• 2:34Speaker 01

  I was a 911 dispatcher. I was a 911 dispatcher.

• 2:37Caleb Hammer?

  Go dispatch 911.

• 2:39Speaker 01

  I'm trying.

• 2:39Caleb Hammer?

  Trust me, there's lots to call the cops on over in California. They'll just let them back out again.

• 2:45Speaker 01

  I'm trying. I'm actively applying for other departments.

• 2:49Caleb Hammer?

  Why? Well, wait, no, why, why aren't they accepting you into these positions?

• 2:56Speaker 01

  Um, I may have caused some waves when I left my.

• 2:59Caleb Hammer?

  Oh, for [__] sake, what the [__] did you do? What did you do?

• 3:02Speaker 01

  It wasn't just me, it was all of dispatch. Um, but I kind of became the face and I think I'm kind of blacklisted now. I've applied at every department in my area and interviewed at all of them and they.

• 3:20Caleb Hammer?

  So you're done?

• 3:21Speaker 01

  Yeah.

• 3:22Caleb Hammer?

  What can you do now?

• 3:24Speaker 01

  Um, hopefully it's a different department.

• 3:27Caleb Hammer?

  No, you're blacklisted.

• 3:29Speaker 01

  But if I go out of the area.

• 3:31Caleb Hammer?

  Oh, you mean that department? Well, okay. Well, how far out is out of the area? You can't afford to go move to a different area. You live with your parents right now. How bad was it?

• 3:40Speaker 01

  It was really bad. Uh.

• 3:41Caleb Hammer?

  Tell me detail.

• 3:43Speaker 01

  Like what we were doing or uh, we went to city council meetings and told them that they needed to pay us more.

• 3:50Caleb Hammer?

  Oh, okay.

• 3:50Speaker 01

  Because uh, In-N-Out workers were making more money starting than dispatchers were.

• 3:55Caleb Hammer?

  In-N-Out, you know, you have that choice as a person in the marketplace to go make more money at a different job. The reason they're paying that much is because that's what the market demands. Go get a better job.

• 4:06Speaker 01

  I was trying.

• 4:07Caleb Hammer?

  Upgrade your skills. No, you weren't. You were trying to get more money for your job and the market didn't demand more money for your job.

• 4:12Speaker 01

  Well, I left there to another department and was making more money.

• 4:15Caleb Hammer?

  Crash out? The crash out was just going to city council?

• 4:17Speaker 01

  We went to several city council meetings and I kind of became the face of it.

• 4:22Caleb Hammer?

  Became the face.

• 4:22Speaker 01

  Unintentionally.

• 4:23Caleb Hammer?

  Did you do? Come on, what did you do?

• 4:26Speaker 01

  Spoke more directly than everybody else.

• 4:28Caleb Hammer?

  Come on, woman. Give me insights here. If this is what his [__] career, I need to know.

• 4:33Speaker 01

  Mayor was a law enforcement officer and I asked him directly during a council meeting if in his experience, isn't your dispatcher the most important person? And how do you do your job when you don't have any? Because we're all leaving.

• 4:49Caleb Hammer?

  Yeah, I could see why no one would want to hire you. Why would they want to hire you? And your name will likely pop up. I mean, I have an article here, for example. I bet your real name is in here.

• 5:02Speaker 01

  It is.

• 5:03Caleb Hammer?

  Okay, well, what the [__], yeah, I mean, this is.

• 5:06Speaker 01

  And several of them.

• 5:07Caleb Hammer?

  Stood before the city council at two consecutive meetings to explain their employment woes.

• 5:12Speaker 01

  Three.

• 5:13Caleb Hammer?

  Now, it ended up being three after this article, right?

• 5:15Speaker 01

  Consecutively.

• 5:16Caleb Hammer?

  Two years ago. Oh, almost three. Wow, okay. Okay, well, why are you surprised? Wait, so you haven't, so it's been three years since you've made money?

• 5:24Speaker 01

  Uh, no.

• 5:25Caleb Hammer?

  Okay, well, you should have upgraded your [__] skills and figured it out and went and got a different career at this point. Well, when did you lose that job then?

• 5:31Speaker 01

  Uh, in 20, I left that department.

• 5:35Caleb Hammer?

  You didn't just go to city council, you went to several local news stations. Why are you leaving shit out?

• 5:39Speaker 01

  One, maybe two news stations.

• 5:42Caleb Hammer?

  Uh huh. Yeah, you're going out on TV. Yeah, but no offense, anyone does that here, they're dead. And then I post about them once a week forever.

• 5:49Speaker 01

  Okay, but it's all.

• 5:50Caleb Hammer?

  And destroy their lives.

• 5:52Speaker 01

  Anyways.

• 5:53Caleb Hammer?

  Huh?

• 5:53Speaker 01

  Everything that we shared was public record anyways.

• 5:55Caleb Hammer?

  Sure, but you were out there making no, but just no, no way you're surprised that no one would hire you after that. You're a risky employment.

• 6:05Speaker 01

  Yeah.

• 6:05Caleb Hammer?

  You're not entitled to employment.

• 6:07Speaker 01

  Well.

• 6:08Caleb Hammer?

  You're a risky person to hire.

• 6:09Speaker 01

  It felt okay because the chief supported us.

• 6:12Caleb Hammer?

  Huh?

• 6:12Speaker 01

  The chief supported us. He was like, yeah, go for it, like.

• 6:15Caleb Hammer?

  Probably just didn't want trouble. Honestly, right?

• 6:21Speaker 01

  The whole department.

• 6:22Caleb Hammer?

  What was the big complaint?

• 6:24Speaker 01

  Mostly money.

• 6:26Caleb Hammer?

  Okay.

• 6:26Speaker 01

  Lots of overtime.

• 6:27Caleb Hammer?

  Get a different [__] job. I'm so confused. Uh, listen, I'm not, I'm not opposed to, uh, because this was, well, this was working for the public, right?

• 6:35Speaker 01

  Mm-hmm.

• 6:35Caleb Hammer?

  I'm not opposed to unions in general as an overall concept, but mostly in the private marketplace where people can unionize. Public unions are horrible. The teachers' public unions have destroyed public school. The public unions of transportation in New York City, when Mondomni, who I don't agree with on everything, wanted to do faster buses? They protested that because that would be less overtime for them. They're anti-progress.

• 7:00Speaker 01

  As a first responder, those.

• 7:02Caleb Hammer?

  As a public good though.

• 7:03Speaker 01

  As a first responder, those employment laws don't apply to us. So without a union, we're not.

• 7:08Caleb Hammer?

  Laws.

• 7:09Speaker 01

  Any employment law.

• 7:10Caleb Hammer?

  Yeah, but you essentially.

• 7:10Speaker 01

  We're not entitled.

• 7:11Caleb Hammer?

  Came together.

• 7:12Speaker 01

  Yeah, we're not entitled to overtime.

• 7:14Caleb Hammer?

  It's good that you didn't have a union though. Unions make it impossible for bad cops to be fired. Like bad teachers to be fired. Public sector unions, impossible to automate our ports and get modern technology. Private sector, it makes more sense. In the public sector, it's insane. So I'm glad you guys didn't.

• 7:30Speaker 01

  We were.

• 7:31Caleb Hammer?

  Glad you didn't.

• 7:32Speaker 01

  We were.

• 7:32Caleb Hammer?

  But you were basically acting as one.

• 7:34Speaker 01

  We were a union.

• 7:35Caleb Hammer?

  Yeah. Oh, you just said you weren't.

• 7:37Speaker 01

  No, we were.

• 7:38Caleb Hammer?

  Oh, what the [__] are you saying? Then no shit. All right, hey, I'm glad you lost your job then. They always hold back society in the public sector specifically, because you can't allow any public good to ever become better.

• 7:48Speaker 01

  I left there for a better job.

• 7:50Caleb Hammer?

  What was your better job?

• 7:51Speaker 01

  Uh, same thing, but I was making $56 an hour.

• 7:55Caleb Hammer?

  Okay, that's great. See, look how it works in the market. There was a job with more pay.

• 8:00Speaker 01

  But I liked my department. We didn't want to leave.

• 8:03Caleb Hammer?

  Doesn't matter. Doesn't matter.

• 8:05Speaker 01

  That was the point.

• 8:06Caleb Hammer?

  If you don't want to leave, then they shouldn't pay you more.

• 8:09Speaker 01

  We didn't want to.

• 8:10Caleb Hammer?

  You didn't want to leave. They wouldn't have to pay you more. You took a job with better pay. You took the market.

• 8:15Speaker 01

  Because we had to.

• 8:16Caleb Hammer?

  You didn't have.

• 8:17Speaker 01

  Our department is the lowest paid.

• 8:20Caleb Hammer?

  Yeah, but you didn't have to, you chose.

• 8:21Speaker 01

  The three surrounding counties.

• 8:23Caleb Hammer?

  Congratulations, and yet people still work there. So you chose.

• 8:25Speaker 01

  Very many of them.

• 8:26Caleb Hammer?

  But guess what? When there's even less and less, they will be forced to pay more. Guess what? Law enforcement here in Austin, we are horribly short staffed. So there's like 50, $60,000 signing bonuses and every person makes over six figures who's working in law enforcement or police officer.

• 8:44Speaker 01

  Now, uh, having financial issues.

• 8:46Caleb Hammer?

  Yeah, well, that happens when you're a poorly run city, which many cities over there are. So no one's really surprised by that. But are we really shocked again? You went to news stations, you're causing a ruckus. Who would want to hire you? But what happened? You're in this other place. You had a good paying job.

• 9:02Speaker 01

  Um.

• 9:02Caleb Hammer?

  Why'd you [__] that? How'd you [__] that?

• 9:05Speaker 01

  You're on probation for 18 months and I. At my old department, I was working so much overtime that I didn't have time to realize that I had a bunch of shit that I didn't deal with.

• 9:19Caleb Hammer?

  Oh, like what? Oh, here we go. What didn't you deal with?

• 9:24Speaker 01

  Um, my friend got stabbed while we were working.

• 9:27Caleb Hammer?

  Well, that's not good. You should call, you should dispatch the cops to them.

• 9:30Speaker 01

  He was a cop.

• 9:32Caleb Hammer?

  Okay, you should dispatch a second cop.

• 9:34Speaker 01

  I did. I was the dispatcher on it.

• 9:36Caleb Hammer?

  Okay, that's good. Um, so that's sad.

• 9:39Speaker 01

  The department failed us.

• 9:41Caleb Hammer?

  What? How, about how? Like what, what, what happened?

• 9:44Speaker 01

  We just had no support.

• 9:45Caleb Hammer?

  I have sent.

• 9:46Speaker 01

  That like I got well, I had relief come in and they just sent me home and nobody was like, "Hey, let's debrief before you leave."

• 9:56Caleb Hammer?

  I mean, yes, that's that. That is nice. And I would like that. And I would advocate for that as an employer. I would. Unfortunately, I mean, I will just say in the brutal reality, in most jobs, when someone loses a friend.

• 10:08Speaker 01

  We have a therapist on staff.

• 10:10Caleb Hammer?

  Okay, but most jobs don't is what I'm saying. And I know you were more intimate with it with the dispatching situation. So don't, I'm on your side on this. I'm just trying to contend. Yes, I am. I would.

• 10:21Speaker 01

  Sounds like you don't support whistleblowers.

• 10:24Caleb Hammer?

  Whistleblowers? What are you talking about? With whistleblowers? She was asking for more money.

• 10:28Speaker 01

  And other, there were other issues. There were.

• 10:30Caleb Hammer?

  I asked for the issues.

• 10:31Speaker 01

  A ton of issues.

• 10:32Caleb Hammer?

  I asked for them. You said money.

• 10:33Speaker 01

  Money was the biggest one.

• 10:34Caleb Hammer?

  Shut the fuck up whistleblower. You're not, you're not Snowden. I don't know what you're talking about. But yes, no, I am on your side because I'm saying if I was an employer, I would have made sure you got all the help possible. I am trying to compare it. The overall 95% of jobs, it wouldn't have happened anyway.

• 10:51Speaker 01

  Do people get stabbed here?

• 10:52Caleb Hammer?

  No, but people that they're close to get stabbed. So yes, people lose family members and friends all the time. Yes, you're more intimately involved in that. Again, I am on your side here. I'm just trying to make a comparison where it's like that wouldn't have happened pretty much anywhere. Okay.

• 11:06Speaker 01

  I.

• 11:07Caleb Hammer?

  Good one, I guess. But okay, what happened?

• 11:10Speaker 01

  The department owed.

• 11:11Caleb Hammer?

  Yeah, that's an issue. I wish they did. They didn't. Wouldn't have happened in both places. But so what? What's next? What's next step? Does next step lose our entire life? Because you did. And that's your choice in the end.

• 11:24Speaker 01

  I tried really hard to find another job and.

• 11:27Caleb Hammer?

  Well, why'd you have to find another job? I'm confused.

• 11:29Speaker 01

  Any job. Because the job that I.

• 11:32Caleb Hammer?

  Go back to that job.

• 11:33Speaker 01

  The job, they won't hire me.

• 11:34Caleb Hammer?

  No, no. Why'd you get fired? You didn't say why you got fired. You just said you went home one day after your friend got stabbed.

• 11:39Speaker 01

  No, no, no. I left that department because of all of the issues we were having. Went to another department.

• 11:45Caleb Hammer?

  All the issues. You keep saying these generic terms.

• 11:47Speaker 01

  I, we were getting paid shitty.

• 11:50Caleb Hammer?

  What? The one where you made $53 an hour?

• 11:52Speaker 01

  No, the one before that.

• 11:53Caleb Hammer?

  No, I'm talking about the $3 an hour one.

• 11:54Speaker 01

  Yeah. Okay, that one, I just, it didn't work out. The department was bigger than I expected it to be.

• 12:02Caleb Hammer?

  What?

• 12:03Speaker 01

  It.

• 12:04Caleb Hammer?

  So?

• 12:04Speaker 01

  I went from.

• 12:05Caleb Hammer?

  Wait, which one did your friend get stabbed at?

• 12:08Speaker 01

  My first department.

• 12:09Caleb Hammer?

  We were on the second department. Why are you bringing that up for tears? No offense. I mean, I'm, listen, I was on your side for the tears for a second ago, but go fuck your tears there. Because we were, we were literally talking about your second job. Why when I brought up, why when I brought up, why did that job not work out? You immediately bounced back to your first job to get some tears and sympathy.

• 12:30Speaker 01

  No.

• 12:30Caleb Hammer?

  I'm sorry, I was on your side and you fucked it. So what happened with the second job was my damn question.

• 12:36Speaker 01

  So at the first department, I was, no, listen.

• 12:42Speaker 01

  I was, I worked in one, in my last full year there, I worked 632 hours of overtime.

• 12:47Caleb Hammer?

  Yeah? Well, that's great for your first job. Let's hear about the second one.

• 12:50Speaker 01

  When I went to the second one, all of that time that I didn't have to process, all of the shit that I dealt with, that all came up in all the free time I had because I wasn't working overtime.

• 13:01Caleb Hammer?

  Go to therapy!

• 13:02Speaker 01

  I am.

• 13:03Caleb Hammer?

  Well, then.

• 13:05Speaker 01

  I wasn't aware.

• 13:06Caleb Hammer?

  Of therapy?

• 13:07Speaker 01

  No, I wasn't aware I had issues.

• 13:09Caleb Hammer?

  You weren't aware of therapy?

• 13:10Speaker 01

  I wasn't aware that I was fucked up in the head.

• 13:13Caleb Hammer?

  Well, how'd that impact your job? If you weren't aware that you should get therapy, then how the fuck were you having issues? Well, I'm so confused.

• 13:19Speaker 01

  Because when I had more time, it like.

• 13:22Caleb Hammer?

  Sure. And that's when you realize you have issues. So go to therapy.

• 13:25Speaker 01

  Yes, but my job was suffering because of it.

• 13:28Caleb Hammer?

  Okay, but how long?

• 13:30Speaker 01

  I was only there like seven months.

• 13:32Caleb Hammer?

  Well, that's a long time.

• 13:34Speaker 01

  It's not. Not in law enforcement, not in law enforcement.

• 13:37Caleb Hammer?

  Shut the fuck up. That's a long time to realize you have issues. And try to seek some help. If you don't at that point, I'm sorry, that is your fault for not seeking help. Now, again, I, I'm on your side where I wish they helped you. And I was advocating for therapy, big therapy advocate here. Okay. But if you literally chose for seven months of knowing you were struggling to not get therapy.

• 14:00Speaker 01

  No, I was.

• 14:01Caleb Hammer?

  At what? You just said you were.

• 14:03Speaker 01

  No, I was getting, like, working on getting help, but it took me.

• 14:08Caleb Hammer?

  What's working on getting help? I believe you can get therapy in about now.

• 14:12Speaker 01

  Realizing that I had issues.

• 14:15Caleb Hammer?

  How long? How long did that take?

• 14:17Speaker 01

  It took a minute to, like, first shit. When you start taking.

• 14:21Caleb Hammer?

  You're gonna make me look like an asshole, but come on, I can read right through this.

• 14:25Speaker 01

  When you're taking calls that trigger other previous calls.

• 14:29Caleb Hammer?

  You said you were struggling with your free time, not with the calls you had. So now you're saying something different.

• 14:34Speaker 01

  It all relates because you.

• 14:36Caleb Hammer?

  Okay, so you couldn't do that job.

• 14:38Speaker 01

  In dispatch, you have to compartmentalize that like, okay, I worked this call, my friend got stabbed, put that away on to the next thing. Now, when I'm taking other calls, all of that shit that I didn't deal with, now that I'm not as busy, I'm like.

• 14:50Caleb Hammer?

  So seven months, why didn't you deal with it?

• 14:52Speaker 01

  I was getting there.

• 14:55Caleb Hammer?

  What is getting there? Where were you?

• 14:57Speaker 01

  Realizing that I had issues, getting into therapy.

• 14:59Caleb Hammer?

  How many months in did you figure out your issues? Huh? Huh?

• 15:02Speaker 01

  It took a couple.

• 15:03Caleb Hammer?

  Okay, two months in, there you go. You have five months more. Therapy you can get tomorrow. So what's the issue?

• 15:07Speaker 01

  I was doing that.

• 15:10Caleb Hammer?

  Okay.

• 15:11Speaker 01

  But you still have to work through shit. They.

• 15:13Caleb Hammer?

  Yes, it's not an instant fix. That's true. But also administrative leave, different things.

• 15:19Speaker 01

  I was on probation.

• 15:20Caleb Hammer?

  Did you specifically go to your boss and ask for help and say what was going on?

• 15:23Speaker 01

  No.

• 15:24Caleb Hammer?

  Then, okay, then.

• 15:25Speaker 01

  It was a different boss. I didn't know.

• 15:27Caleb Hammer?

  What? Wow! You'll have a different boss at every company ever. I'm sorry, if you didn't advocate for yourself, then I can't have sympathy. I was gonna have sympathy. I was having sympathy throughout that, even though I was trying to pull calls because I was like, oh, she definitely seems like a person that's a victim always. So the, so I knew there was gonna be something there. I'm sorry, if in seven months of someone having an issue, they didn't once go to their boss who's responsible for their employment and say, "I'm struggling because my friend from my previous dispatch job got shot." I think the dispatcher boss might have some sympathy.

• 16:03Speaker 01

  Yeah.

• 16:03Caleb Hammer?

  And you choosing to not do that, and to advocate for yourself once, you cannot be surprised at the consequences. And it's hard for me to feel bad about those consequences. I feel horrible for your friend. And what happened? Did they die?

• 16:18Speaker 01

  No.

• 16:21Speaker 01

  He ended up being fine. But.

• 16:26Caleb Hammer?

  I'm really trying to be the most sympathetic person in the world. You're taking everything from me. You're taking everything from me. You're taking everything. Stop it. Stop it. I'm so glad he's alive. But he shouldn't have died. For the sake of your tears. Like, well, like, so what? Seven months? Wait, how quickly did he come back?

• 16:45Speaker 01

  Um, it was a couple months.

• 16:47Caleb Hammer?

  Okay, when did you know he was gonna be alive?

• 16:50Speaker 01

  Um, when he texted me the next day to, no, listen.

• 16:53Caleb Hammer?

  So seven months of struggling and the next job? You gotta text the next day?

• 16:58Speaker 01

  He texted me the next day. That was the first I heard anything. And he was the only person who did any sort of like, "Hey, what happened last night? Are you good?"

• 17:10Caleb Hammer?

  I get that.

• 17:10Speaker 01

  And that's crazy that the only person who asked was the officer that got stabbed.

• 17:16Caleb Hammer?

  I agree. But dude completely survived. Next day was totally fine.

• 17:19Speaker 01

  I went back to work the next day.

• 17:21Caleb Hammer?

  Yeah, but seven months later in your new job, you're saying you're struggling? No, I think you're just, you are a struggle. At that point, you're a struggle. It wasn't the trauma from that.

• 17:32Speaker 01

  It was compounding trauma from a bunch of events.

• 17:36Caleb Hammer?

  But this is starting to sound more like TikTok trauma than real trauma.

• 17:39Speaker 01

  No, I worked, I worked a bunch of crazy shit in the span of my last year there. And I worked.

• 17:47Caleb Hammer?

  Dispatching?

• 17:47Speaker 01

  Yeah. My last, my last.

• 17:49Caleb Hammer?

  Hey, pause, pause, real quick. Whoa, whoa, whoa. No, no, I'm gonna let you finish. I'm going to let you finish. Can I just have a quick thing? Quick thing.

• 17:54Speaker 01

  Relax.

• 17:55Caleb Hammer?

  Quick thing. You experienced a bunch of crazy shit in dispatching?

• 17:58Speaker 01

  Yes.

• 17:58Caleb Hammer?

  No shit! That's dispatching. Do a different job!

• 18:02Speaker 01

  I worked 632 hours overtime that year. I didn't have time to process any of it.

• 18:07Caleb Hammer?

  Okay, yeah, yeah, yeah. Sure.

• 18:09Speaker 01

  I worked seven days. I was working 60 hours, 67 hours a week.

• 18:13Caleb Hammer?

  I never let women finish, finish.

• 18:17Speaker 01

  It's the vibe you give.

• 18:18Caleb Hammer?

  Well, I just, I struggle at the mission. Kind of really get in there. No, no, no, I do fine. Finish, please. Says myself.

• 18:28Speaker 01

  Self-appointed.

• 18:29Caleb Hammer?

  Just like your victimhood. Continue, please. I said you could finish.

• 18:33Speaker 01

  I have been diagnosed with PTSD.

• 18:36Caleb Hammer?

  Yeah.

• 18:37Speaker 01

  Yeah, I know.

• 18:38Caleb Hammer?

  Anyone can get diagnosed with PTSD.

• 18:40Speaker 01

  But it was the first place I ever worked. And the department very much pushes things off that I didn't know that I was having issues. God damn it!

• 18:52Caleb Hammer?

  That's what I'm saying. No, no, no. I mean, I feel, I feel, trust me, I, um, it's an incredibly difficult job. We need big support for dispatchers. There's, what you are seeing is not unreasonable at the fact that we need better support for dispatchers. That's not unreasonable. But your swings, your swings at victimhood and losing everything here are so much more dramatic. But the fact that the dude texted you the next day that he survives, when you know, in this conversation, before I asked that, you made it sound like he was dead. And you were struggling with that seven months later in your new job. With the way you present information and the way you think about your life, you are victim

• 19:37Caleb Hammer?

  to the extreme. That is a hard job. People deal with some crazy shit and they need support and let's advocate for that together. But don't over sensationalize your existence. You should, you should have immediately said that that dude survived.

• 19:53Speaker 01

  I went home not knowing.

• 19:55Caleb Hammer?

  No, but you knew the next day. You should have immediately said in this conversation, the dude survived. Because you know the way you set it up, you made it sound like he was dead. Because you more prefer, prefer the attention of being a victim.

• 20:10Speaker 01

  Don't. I, I actually, my mom brings this story up all the time to be like, people are like, "Oh, it's the craziest call you've ever taken." Oh, tell them about this. Why would you say that? Like.

• 20:21Caleb Hammer?

  Did you tell your mom not to say that anymore?

• 20:23Speaker 01

  I have.

• 20:24Caleb Hammer?

  And she still says it?

• 20:24Speaker 01

  Sometimes.

• 20:25Caleb Hammer?

  And tell her she's a bitch. I don't know. She shouldn't say it anymore.

• 20:28Speaker 01

  She is.

• 20:29Caleb Hammer?

  At least you advocated for yourself with the.

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• 21:03Caleb Hammer?

  I'm sorry. I mean, you're in your upper 30s at this point. Like, I mean, you're not a child.

• 21:07Speaker 01

  Damn.

• 21:08Caleb Hammer?

  Well, you're 37. It's upper 30s.

• 21:10Speaker 01

  34.

• 21:11Caleb Hammer?

  All right, my four looks like-

• 21:12Speaker 01

  Numbers are hard.

• 21:13Caleb Hammer?

  No, my four looks like a seven. Okay, you're 34, you're fine. I mean, it's just like, I'm just saying, like, if you can't advocate for yourself at this point, it's like, what are we doing, right? You gotta learn that at some point, or else you just can't put yourself in situations where you have any kind of, where there might be complications.

• 21:27Speaker 01

  I'm really good at compartmentalizing, and that's what I did.

• 21:31Caleb Hammer?

  Are you? Or did you hear about carpet?

• 21:33Speaker 01

  No.

• 21:33Caleb Hammer?

  Carment- Did you hear that word on TikTok and you're just hearing everything on TikTok and you're diagnosing yourself with it?

• 21:40Speaker 01

  No, I've always-

• 21:40Caleb Hammer?

  Because anyone can have PTSD from a situation and get diagnosed. That's so easy. You have no idea how easy it is. People can get PTSD for everything, which I'm not even saying you don't, but the fact is, it's just really hard to respect as a term today because of how easy it is to get diagnosed. And we know the dude literally survived. Then you woke up the next day with a text, "I'm alive." Oh, you stayed up all night? Okay.

• 22:04Speaker 01

  No, it was like, well into the day.

• 22:07Caleb Hammer?

  Oh, my bad. I'm sorry. You're right. You know what? No, you're right. That is absolutely tragic and just as bad as him dying.

• 22:16Caleb Hammer?

  Um, I'm being told you actually never went to the therapy that was provided.

• 22:20Speaker 01

  Work therapy, no, because it, I didn't have time to with work.

• 22:25Caleb Hammer?

  Well, they provided the therapy, but because of your schedule, you didn't go.

• 22:28Speaker 01

  Because I was working-

• 22:29Caleb Hammer?

  No, no, no, no. You know she made it sound like her, just like, again, making it sound like he died. She made it sound like they didn't provide.

• 22:36Speaker 01

  I said they provided it. I said we had a therapist.

• 22:39Caleb Hammer?

  There was a therapist, but you made it sound like they didn't provide the support. You didn't go-

• 22:44Speaker 01

  We had a therapist on, like-

• 22:46Caleb Hammer?

  But you didn't go.

• 22:47Speaker 01

  When was I supposed to go?

• 22:48Caleb Hammer?

  Okay.

• 22:49Speaker 01

  I was working 12-hour shifts, six days a week.

• 22:51Caleb Hammer?

  Perfect, seventh day.

• 22:53Speaker 01

  When she, I don't know how she's a law enforcement therapist because her schedule doesn't work like that.

• 22:59Caleb Hammer?

  I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections, whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out, "Just pay more," as if you hadn't thought of that already? That's what sets PDS apart. They don't just look at your balance and say, "Good luck." They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt.

• 23:41Caleb Hammer?

  And here's the thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A-plus rated by the Better Business Bureau, boasts thousands of five-star reviews on Google, and holds a five-star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com/hammer. That is pdsdebt.com/hammer. PDSdebt.com/hammer. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use.

• 24:24Caleb Hammer?

  So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, but private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com. Link in the description below. Huh?

• 25:06Caleb Hammer?

  Okay, 12 hours a day, 13th hour. Hey, girl, if you're in that much of a crisis, I'm sorry, 12 hours a day, those are difficult shifts. You have another 12 hours in the day. I'm not saying, I'm not saying it's easy. I'm not sitting here saying it's easy, but you making it sound worse and then literally not doing the one basic thing! One basic thing and blaming them for it. Come on!

• 25:32Caleb Hammer?

  Right? Am I wrong?

• 25:33Speaker 01

  I should, no, I, I know that I should have gone.

• 25:36Caleb Hammer?

  Well, there we go.

• 25:36Speaker 01

  And I knew that it was a resource, but it didn't feel accessible.

• 25:40Caleb Hammer?

  Oh, it didn't feel. Now it's feel. Ladies and gentlemen, we got the feelings over the objective reality.

• 25:50Caleb Hammer?

  Good death, woman. What the [bleep] do I do with you? I can't deal with, I didn't feel. I didn't, well, you gotta stop being an introspective. You gotta stop asking yourself shit. You just need to [bleep] live, dude. You're, you're thinking way too much about your shit. You're in your own head. You're in your own head. Where'd he get stabbed?

• 26:10Speaker 01

  Where?

• 26:10Caleb Hammer?

  Why?

• 26:11Speaker 01

  Um, it was a theft that was technically a robbery.

• 26:17Caleb Hammer?

  Okay, well, I'm glad he's alive.

• 26:19Speaker 01

  It was a loose robbery, but it technically was a robbery. He, the guy actually ended up getting charged with attempted murder run off, sir.

• 26:27Caleb Hammer?

  Yeah, as he should have. What was he robbing?

• 26:31Speaker 01

  A quick stop. And he stole, like-

• 26:36Caleb Hammer?

  Tacos?

• 26:37Speaker 01

  No, like, the, the packs of donuts.

• 26:41Caleb Hammer?

  Bro got stabbed over donuts?

• 26:42Speaker 01

  Well, this work for you? I can't seem to find my license, but- And a brisk, and I think, single Pop-Tarts out of the Pop-Tart box-

• 26:50Caleb Hammer?

  And where did he get stabbed?

• 26:52Speaker 01

  In the head.

• 26:53Caleb Hammer?

  Oh, hmm, that's a big one. That's a no, that's in the no-no area.

• 26:57Speaker 01

  Yeah.

• 26:59Caleb Hammer?

  But you knew the next day he was alive. So, when's the last time you worked in law enforcement?

• 27:05Speaker 01

  Um, November 2024.

• 27:09Caleb Hammer?

  Okay, two years ago.

• 27:10Speaker 01

  Yeah.

• 27:11Caleb Hammer?

  You don't still claim law enforcement like discounts, do you?

• 27:14Speaker 01

  Um, I will use my discount if it is online. I don't ask for it.

• 27:19Caleb Hammer?

  You got fired, girl.

• 27:21Speaker 01

  Fired.

• 27:21Caleb Hammer?

  Okay, second job. Still, you haven't told me what happened to that.

• 27:24Speaker 01

  The department was bigger than I expected. I went from dispatch, no, listen, the city population was 150,000 people and it doubled during the day because of the large businesses in the city. And I went from dispatching just police to police, fire, and ambulance, and I was overwhelmed. It was, I've been off-

• 27:46Caleb Hammer?

  Working only 40 hours a week at that point, though, then, as you say?

• 27:48Speaker 01

  Yes, but the call volume was more than I expected, like-

• 27:53Caleb Hammer?

  So you left?

• 27:54Speaker 01

  I was let, released from proba, released from probation is the technical term.

• 28:00Caleb Hammer?

  You got fired?

• 28:01Speaker 01

  Yeah.

• 28:01Caleb Hammer?

  Okay, and after that point is where you're saying they will not hire you anymore.

• 28:06Speaker 01

  I was, at that time, I was at another department, like, per diem.

• 28:12Caleb Hammer?

  What?

• 28:13Speaker 01

  Yeah.

• 28:13Caleb Hammer?

  So even still, you got hired at that point?

• 28:16Speaker 01

  No, I was hired there before. I was per diem, so like, when they needed coverage and I just went there full-time.

• 28:21Caleb Hammer?

  And what happened?

• 28:22Speaker 01

  I have no idea, actually.

• 28:23Caleb Hammer?

  No, no, no, no. Did you get fired?

• 28:25Speaker 01

  I came in one day and they said, "We actually don't need you anymore."

• 28:27Caleb Hammer?

  Oh, well, that might be fair.

• 28:28Speaker 01

  But like, nothing happened. I didn't ever-

• 28:31Caleb Hammer?

  Oh, no, no, no, you're per diem, then you decided to go full-time. Maybe they didn't need it. That's fair. I mean, that's reality.

• 28:36Speaker 01

  Yeah.

• 28:37Caleb Hammer?

  Especially with government budgets, local government budgets, very difficult.

• 28:40Speaker 01

  It's a super small town.

• 28:41Caleb Hammer?

  Exactly, very difficult. Okay, so, lady goes on local news, multiple city council meetings is the face of it, multiple news reports, very good. Next place, gets fired because she's bad at her job, blame whatever reason you want, and now she is shocked that she cannot get hired in this, by the way-

• 29:00Speaker 01

  I'm not shocked.

• 29:01Caleb Hammer?

  By the way-

• 29:02Speaker 01

  I know, I know.

• 29:02Caleb Hammer?

  You don't even want to go back. Have you, have you not expressed, expressed the amount of trauma that you get from this job? That is a crazy job. "I don't think you're fit for it. Why would you want to go back? It's not our responsibility at this point to take care of you if you get, and if you deal with an issue there, if you keep going back." You're the [bleep] abused wife that keeps going back. Don't.

• 29:26Speaker 01

  I really enjoy it and I-

• 29:27Caleb Hammer?

  What? Then you don't think so, no, no, no.

• 29:29Speaker 01

  I know. It's complicated.

• 29:32Caleb Hammer?

  What do I do with it? No, just get another job. Fries in the bag.

• 29:35Speaker 01

  I have a job.

• 29:37Caleb Hammer?

  Yes.

• 29:37Speaker 01

  And I hate it.

• 29:38Caleb Hammer?

  Well, yeah, you don't really make enough. So how'd you lose your house?

• 29:41Speaker 01

  I sold my house before I lost it because I was unemployed for so long.

• 29:46Caleb Hammer?

  Did you walk away with a pile?

• 29:47Speaker 01

  A little bit.

• 29:48Caleb Hammer?

  How much?

• 29:49Speaker 01

  25.

• 29:50Caleb Hammer?

  Where is it?

• 29:51Speaker 01

  I, most of it's in a savings account.

• 29:53Caleb Hammer?

  Thank, okay, when was that?

• 29:55Speaker 01

  Um, when I sold my house?

• 29:56Caleb Hammer?

  Yes.

• 29:57Speaker 01

  August of last year.

• 30:01Speaker 01

  Is when I closed.

• 30:02Caleb Hammer?

  So since then, what has life been about? I guess you were complaining in the pre-interview how your MAGA parents made you buy it. I don't know what the [bleep]. What does that have to do with it? Do MAGA parents just make kids buy houses?

• 30:16Speaker 01

  No, they've always like, that's what you do, is you buy a house and you get married and you have kids.

• 30:22Caleb Hammer?

  It's pretty standard, I guess, yeah.

• 30:24Speaker 01

  They like, push me, they're like, "Oh, you should do this. You should buy a house." And-

• 30:28Caleb Hammer?

  Okay.

• 30:29Speaker 01

  I'm really good at doing what you're supposed to do.

• 30:33Caleb Hammer?

  It sounds like it rewarded you. You walked away with a net gain.

• 30:36Speaker 01

  Yeah, but I also live at my parents' house now.

• 30:38Caleb Hammer?

  Now, but that wasn't their fault for saying buy a house. That was your fault for getting fired from a job and going on television. That wasn't their fault for telling you to get a house. It's always someone else's fault with you, isn't it?

• 30:47Speaker 01

  No, I-

• 30:49Caleb Hammer?

  Oh, no?

• 30:50Speaker 01

  No.

• 30:51Caleb Hammer?

  Okay.

• 30:52Speaker 01

  I-

• 30:53Caleb Hammer?

  How is it your MAGA family's fault?

• 30:56Speaker 01

  Fully acknowledge that I left my first apartment and I ruined my life.

• 31:01Caleb Hammer?

  Then how's it, why were you complaining about your MAGA parents?

• 31:04Speaker 01

  Because I, I wouldn't have ever bought that house.

• 31:07Caleb Hammer?

  It sounds like they helped you.

• 31:09Speaker 01

  Not really. They said, "Here, you should buy a house."

• 31:12Caleb Hammer?

  Good, and you walked away with a net gain. What's the, what, what's the complaint? I'm so confused. And how does it tie to MAGA? I'm so confused. I'm so confused. I don't agree with MAGA on everything, of course. But I, what, how the [bleep], I'm not blaming them for this notebook ripping.

• 31:25Speaker 01

  Just, like, American Dream shit and push me to do it.

• 31:29Caleb Hammer?

  And you made $40,000!

• 31:34Caleb Hammer?

  What? What are we complaining about right now? Please, walk me through it. Walk me through it. I'm gonna, I'm gonna need a little, uh, little assistance. And I'm, uh, I'm calling for a dispatch of assistance from you to me. Right now.

• 31:48Speaker 01

  Like, they pushed me to buy a house. And I don't think I was ready for that. Like, I-

• 31:56Caleb Hammer?

  And the consequences were?

• 31:58Speaker 01

  Were that I didn't know what I was doing.

• 32:03Caleb Hammer?

  And the consequences-

• 32:04Speaker 01

  Yes, I ended up making money, but I wouldn't have ever bought, I hated my house.

• 32:09Caleb Hammer?

  Okay, and the consequences of that were?

• 32:14Speaker 01

  Uh, I don't know.

• 32:16Caleb Hammer?

  Then why are you complaining about your MAGA parents pushing you to get the house? I don't get it.

• 32:21Speaker 01

  Cause I didn't want it.

• 32:22Caleb Hammer?

  Then sell it.

• 32:23Speaker 01

  I did.

• 32:24Caleb Hammer?

  Exactly. So why are you complaining about your MAGA parents pushing you to get this house?

• 32:29Speaker 01

  I don't know. I feel like a-

• 32:30Caleb Hammer?

  Are you a leftist or something?

• 32:31Speaker 01

  I am the furthest left person that I know, but I live in-

• 32:36Caleb Hammer?

  That's not a good thing. You definitely shouldn't be the furthest right or left of anyone you know in life.

• 32:40Speaker 01

  But I live in MAGA country, so-

• 32:42Caleb Hammer?

  Yeah, but you're still in California in the end. But yes, you're right. You're right. It is certainly more red there. But even still, in a red area, there's lots of, I'm in red Texas. There's lots of blue around me here in Austin. You know, that's, that's not how it works, right? And even in blue Austin, I, there's lots of right wing people here. Um, like I said, I don't agree with MAGA on everything, of course, but I don't think that means being far left is reasonable. Extremism is never good. And if you're the furthest in one direction you know, that's extreme.

• 33:15Speaker 01

  Furthest left when everybody I know is MAGA.

• 33:18Caleb Hammer?

  Girl, I'm sorry. If you're trying to blame your MAGA parents for pushing you to get a house that you literally walked away positive from, and you couldn't tell me one downside, it sounds like you have some kind of derangement.

• 33:28Speaker 01

  I just, I don't care to own a home.

• 33:30Caleb Hammer?

  Okay, cool. I'm, well, how do you, why do you blame MAGA parents for that? Like, that's, is that not crazy? Is that, is that, that's like, um, uh, um, I don't think of an example. Who's like a reasonable person on the right? A lot of, all the talking heads are all extreme right or extreme left.

• 33:50Speaker 01

  Do any of them exist?

• 33:52Caleb Hammer?

  Well, no, to you, no, of course not. Anyone even slightly-

• 33:57Speaker 01

  No.

• 33:57Caleb Hammer?

  Center-left to you is probably a fascist. But, oh, wait, you voted for Trump in 2016, though?

• 34:04Speaker 01

  Yeah.

• 34:05Caleb Hammer?

  Oh, because your parents made you. What, that is, how do you, you have no agency, do you?

• 34:10Speaker 01

  No.

• 34:10Caleb Hammer?

  Girl, you're older than me. I voted in 2016. You have no agency. Who's a normal commentator on the right? Just, let's, let's just say, Ducey. I don't know his public opinions, but I called him to a show once, okay? Uh, Ducey, okay? He's the, he's the correspondent from Fox to the White House. Ducey. Let's say he bought a house, and his parents were, they just, they voted for Obama, and he said, "Crazy communist parents forced me to buy a house." Do you not see how that's just insane? Like, why are you attaching it to their political identity? You have to be a, like, crazy person at that point.

• 34:45Speaker 01

  It just-

• 34:47Caleb Hammer?

  Like, why do you attach their political identity to it? I don't get it.

• 34:51Speaker 01

  Because it's the conservative American dream, like, oh-

• 34:54Caleb Hammer?

  That's the American dream. People on the left want to buy houses.

• 34:56Speaker 01

  I, but I-

• 34:57Caleb Hammer?

  What are you talking about?

• 34:58Speaker 01

  Like, the-

• 34:59Caleb Hammer?

  People on the right right now, economically or advising, actually, like, don't buy. That renting makes more sense.

• 35:05Speaker 01

  Like, they've always just pushed the, like, do, do X, Y, and Z, because that's what you're supposed to do.

• 35:11Caleb Hammer?

  Force you to vote for someone. I've never, um-

• 35:14Speaker 01

  They didn't force you, but that's just how, not even just me, but everybody in the area is just conditioned-

• 35:21Caleb Hammer?

  Oh, you mean during a political campaign, they campaigned for the person they wanted to win?

• 35:25Speaker 01

  Not even campaigned, but just, that's how everybody's raised all the time is conservative.

• 35:31Caleb Hammer?

  It's a conservative country. Here, people are raised more liberal. That's not crazy. Regions have different things.

• 35:39Speaker 01

  Yeah, but I, I was, I was uninvolved, I was uninvolved at that point.

• 35:43Caleb Hammer?

  What? Just go vote for, uh, uh, who was that? Clinton. Who cares? You, what? You said because everyone around you voted for Trump, you have to vote Trump?

• 35:54Speaker 01

  That's just what-

• 35:54Caleb Hammer?

  You can vote Clinton.

• 35:55Speaker 01

  That's what I thought was the right answer.

• 35:57Caleb Hammer?

  Oh, so you just thought you wanted to vote for him? Okay, so, and then you're changing your beliefs? Who cares?

• 36:04Speaker 01

  Yeah.

• 36:06Caleb Hammer?

  I am so confused how you were complaining in the pre-interview about them forcing you to do that. What the [bleep] is wrong with you? What the [bleep]? See, yeah, because you were just going on a tangent and stuff. You're going on a tangent on the phone. I literally have your notes, word for word, that America is a racist and misogynist country. How are we misogynist at this point?

• 36:23Speaker 01

  We're built on a patriarchy, this whole-

• 36:27Caleb Hammer?

  At this point, we can always look back. For, for all of human history, 10,000 years from now, we can still look back to slavery if we want to. Does that mean that is what life is like 10,000 years from now? You're right, women did not have the right to vote. We did not have a good history when it comes to equal rights in this country. We're talking today. How are we misogynist specifically today?

• 36:53Speaker 01

  It, misogyny is built into everything.

• 36:56Caleb Hammer?

  I'm literally being pushed to hire women at this company, just so we can have more women, when in content typically men work disproportionately more on the video editing side? And I am being pushed so it doesn't look sexist to hire women. We're literally, I'm not gonna do it because I refuse to live that way, and I'm only gonna hire people based on merit, but I'm being pushed to hire a less qualified person because they're a woman, just so we can have more women here. I am being pushed internally for that. I won't do it. But that is an actual thing that is happening behind the scenes here. Where is the misogyny? Want me to hire a less qualified person because they're a woman? Then where's the misogyny? That, today, right now?

• 37:38Speaker 01

  In elected office, women make up 50% of the population, but only hold like 30% of office.

• 37:46Caleb Hammer?

  Get more to run for office.

• 37:48Speaker 01

  That's-

• 37:49Caleb Hammer?

  It's not misogynistic that they voted for someone that they wanted to represent them.

• 37:53Speaker 01

  I know a lot of people who don't vote for women because they're women.

• 37:56Caleb Hammer?

  Well, that's a misogynistic person. Do we have a misogynistic country?

• 38:00Speaker 01

  As a whole.

• 38:01Caleb Hammer?

  Do you think Clinton specifically lost because she was a woman?

• 38:04Speaker 01

  No, I wouldn't have voted for Hillary Clinton.

• 38:07Caleb Hammer?

  Yeah, a lot of people don't like Cor-

• 38:08Speaker 02

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPac.com, not authorized by any candidate or candidate's committee.

• 38:37Caleb Hammer?

  Your politicians. And her husband was already president. Even people that lean more left, I don't, they get [bleep] burning, you know? They, they, nobody liked Clinton. She didn't lose because she was a woman. Kamala probably lost because she, uh, the, the primary process didn't exist, and people felt cheated from that. They weren't, they didn't lose because they're women. Where's the misogyny? You are gonna find women, literally, online, on TikTok, just as much as those people who will not vote for men because men are evil. I will equally find that. I will equally find that. So that doesn't mean the, the, the country's anti-men either. So how are we as a full-on society misogynistic? Please tell me.

• 39:20Speaker 01

  It's-

• 39:20Caleb Hammer?

  You can find individual people. You can find individual racists. Doesn't mean we're a racist country. DI programs were very beneficial to those people.

• 39:30Speaker 01

  Not necessarily as a whole, but as a collective. It is still very-

• 39:35Caleb Hammer?

  Hold on. I am?

• 39:38Speaker 01

  No, not necess-

• 39:39Caleb Hammer?

  You just said as a collective.

• 39:40Speaker 01

  No, no, no, no.

• 39:41Caleb Hammer?

  I'm a part of a collective.

• 39:42Speaker 01

  Not you specifically, but as, maybe Brandon.

• 39:45Caleb Hammer?

  Well, maybe Brandon. Lindsay?

• 39:48Speaker 01

  No, not Lindsay. Lindsay's a girl, she's a girl, she's a curly pop.

• 39:52Caleb Hammer?

  And I'm a girl's girl. Mika? Is this a little Puerto Rican over there? Like, what? Is he a big, has, okay, I'm gonna give you a chance again. How are we as a country misogynistic and racist?

• 40:10Speaker 01

  It's systemic.

• 40:11Caleb Hammer?

  I'm waiting for examples of how we are. We can look back forever. Where in our societal DNA are we right now? If we were still redlining, I would agree with the racism part.

• 40:20Speaker 01

  922 of the most powerful people in the country, only 180 of them are-

• 40:30Caleb Hammer?

  What powerful people? What are you talking about? You're talking about elected officials?

• 40:32Speaker 01

  Uh, elected officials, um-

• 40:36Caleb Hammer?

  People can run for office.

• 40:37Speaker 01

  People in charge of police departments.

• 40:40Caleb Hammer?

  Advocate for more women to run off, run for office. Police departments, obviously, law enforcement vastly, just like nursing heavily skews towards women, law enforcement heavily skews towards men. That's not racist, though. Tech heavily skews towards men. That's not racist. Art heavily skews towards women. That's not misogynistic, or mensagistic. I don't know.

• 41:01Speaker 01

  Missandrist.

• 41:02Caleb Hammer?

  Yeah, there you go. I'm not a victim, so I don't care to memorize words like that. That industry's lean in certain ways. Please, tell me again, then. Obviously, elected office, more women advocate for them to run, including on the right. Because we're about 50/50 in terms of swinging back and forth. So you're gonna need more Republican women for that ratio to go up. Advocate. But peoples can still vote for who they think is the best-

• 41:29Speaker 01

  And I don't think we're in a place in this country where people are-

• 41:33Caleb Hammer?

  But no specific examples? You can't actually think of a real thing that we are racist or misogynist? There actually might be real examples that I haven't thought of, because this isn't my daily focus of being a victim. But I guess you just can't talk on them.

• 41:50Speaker 01

  There's

• 41:50Caleb Hammer?

  Can you? Can I have a example besides? People running for office by choice?

• 41:57Speaker 01

  Is since seven, since the beginning of the Supreme Court.

• 42:03Caleb Hammer?

  Okay.

• 42:03Speaker 01

  All but six of them have been white men. And only

• 42:07Caleb Hammer?

  And how is the makeup today?

• 42:09Speaker 01

  Only

• 42:10Caleb Hammer?

  Cause I care about today. Women couldn't run for, uh, women couldn't vote. Yes. Okay. You can look back on the history. History? Bad. Not always the best. Go back to ancient Greece. Not very good either. Okay. You'll get it in every inch of this planet. Not great. Native American culture wasn't great. Lots of, uh, shaving those skulls. Not great. Eating hearts down in the Aztecs? Not the best. We can apply, history was bad for all cultures forever. What about today?

• 42:40Caleb Hammer?

  Okay. We got a black man, a Hispanic woman, a white woman. Um.

• 42:45Speaker 01

  That's it.

• 42:46Caleb Hammer?

  Ginsburg was on there. She died kinda recently.

• 42:48Speaker 01

  Yeah. And was replaced.

• 42:51Caleb Hammer?

  Is Alito white? Alito doesn't seem like a white name. Is he white?

• 42:53Speaker 01

  He is.

• 42:55Caleb Hammer?

  You consider all white, white?

• 42:57Speaker 01

  Um, I think so.

• 42:58Caleb Hammer?

  Nobody's like Italian.

• 43:00Speaker 01

  After nine 11, that is white.

• 43:02Caleb Hammer?

  What the?

• 43:05Speaker 01

  All All of your like 90s, 2000 movies Italians were, you know, that was big that they

• 43:11Caleb Hammer?

  We also have a black woman as well. As someone who cares about identity politics, I think

• 43:15Speaker 01

  You said

• 43:16Caleb Hammer?

  I said, we had a Hispanic woman, a black man and a white woman. I thought We also have

• 43:20Speaker 01

  Black

• 43:20Caleb Hammer?

  Then we have Another Hispanic woman and a black woman. Hold on. We're one, two, three, four, five minorities and four straight white men.

• 43:29Speaker 01

  Hmm.

• 43:34Speaker 01

  She's white.

• 43:36Caleb Hammer?

  Yeah. Woman. I said, you were saying all straight white men. Besides straight white men, it's vast majority not straight white men.

• 43:43Speaker 01

  Currently.

• 43:44Caleb Hammer?

  Yes. All that matters is today. Why do you care about? 1803. Random year. Why does a year that we did not live in matter?

• 43:54Speaker 01

  In the entire history of the Supreme Court.

• 43:57Caleb Hammer?

  Who cares?

• 43:58Speaker 01

  These are the only people of color.

• 43:59Caleb Hammer?

  Yeah. Is today not the only day? No, no, no. I, I think, I think Clarence Thomas replaced the black man.

• 44:07Caleb Hammer?

  I think. Isn't that true?

• 44:09Speaker 01

  I

• 44:10Caleb Hammer?

  I mean, I wasn't alive or I was barely alive. And also, no Ginsburg. Notorious. V I G, right?

• 44:19Speaker 01

  Yeah. R B G.

• 44:21Caleb Hammer?

  R B G. There you go.

• 44:22Speaker 01

  I don't know what you said, but it wasn't that.

• 44:24Caleb Hammer?

  Nope.

• 44:26Caleb Hammer?

  Who did Justice, uh, Alito replace?

• 44:31Speaker 01

  Justice Thomas.

• 44:33Caleb Hammer?

  Sandra Day O'Connor. Sounds like a man.

• 44:38Caleb Hammer?

  This in front of me. So today's all that matters.

• 44:43Caleb Hammer?

  Today. Today, you're a failure. That's all that matters. Today, Supreme Court is actually quite diverse. Why do we care about 1829 and other random year? Who cares? We weren't alive. It doesn't matter. History is always bad. No matter what. Guess what? The African countries, bad history as well.

• 45:00Speaker 01

  Yeah.

• 45:01Caleb Hammer?

  So our history is not the only bad history. You only focus on ours. So let's

• 45:06Speaker 01

  Because I live here.

• 45:08Caleb Hammer?

  Yes. You live here in the present and today. So focus on today that it has gotten better and we can appreciate that and celebrate that and move on with your life and do something productive instead of bitching and moaning.

• 45:20Caleb Hammer?

  My gamer subs flavor is finally here. It's called liquid assets and it tastes like raspberry apple and success. Use discount code Caleb to get 10% off your entire order, plus free gifts you actually want. Drinkware, stickers, full on apparel, even some seriously limited edition swag. And one out of every 10 tubs has my face printed right on it. And the whole offer stacks up six times. The more you buy, the more you unlock and the better your chance to see my sexy face on your tub. Get a hundred servings of delicious, zero sugar, less than one calorie liquid assets for less than 40 cents a serving. Plus all the freebies until they're gone. Gamers house is fully stocked and shipping worldwide right now.

• 46:02Caleb Hammer?

  All you need to do is head to gamersupsgg slash Caleb or click the link in the description below. This stuff is a game changer.

• 46:11Caleb Hammer?

  Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com. We have new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board.

• 46:56Caleb Hammer?

  Go to Calebhammer.com where the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Thurgood Marshall was the first African American to serve on the United States Supreme Court. Lyndon B. Johnson.

• 47:12Caleb Hammer?

  Okay. So you're We understand that, right?

• 47:15Speaker 01

  No.

• 47:17Caleb Hammer?

  No? Then can you give me another example of today where we are misogynistic and racist? I will give you a final chance.

• 47:25Caleb Hammer?

  I heard you got angry when you heard I went on Rogan, by the way.

• 47:29Caleb Hammer?

  Why? I can't talk to a dude? You know, the dude is actually socially quite progressive.

• 47:33Speaker 01

  Wait.

• 47:34Caleb Hammer?

  Just economically on the right.

• 47:35Speaker 01

  You went on there and you talked about

• 47:37Caleb Hammer?

  A little anti-vax.

• 47:38Speaker 01

  They only, they only want me on right wing shows, but you platform a bunch of people who come on here and aren't interesting enough to be anything other than racist to make good TV.

• 47:50Caleb Hammer?

  What? We've had more people like you than them. Over the course of four years, yes. The couple of people that have been racist has been literally the last two months. Ever. In the last four years, it's been freaks like you. We've been trying to get more right wing people to balance it out, but most right wing people that come on the show on their no, no list, just like you gave me a couple of no, no's. Remember them? If I followed them so far?

• 48:12Speaker 01

  Yeah.

• 48:13Caleb Hammer?

  Good. They said they don't want to talk about politics, so I respect it, just like I'm respecting yours.

• 48:18Caleb Hammer?

  So sit down and shut the fuck up. Why are you upset about me going on Rogan and talking to an individual?

• 48:24Speaker 01

  You went on there and complained that all you get is right wing shows, but that's the majority of what you're platforming right now. So of course that's how you're

• 48:31Caleb Hammer?

  That's literally not true.

• 48:32Speaker 01

  Your algorithm's gonna push you out.

• 48:34Caleb Hammer?

  It's literally the right wing people are not all on platform.

• 48:37Speaker 01

  But you said they

• 48:39Caleb Hammer?

  We've had like three racists.

• 48:40Speaker 01

  Nobody wants you on left wing shows.

• 48:42Caleb Hammer?

  Unfortunately, yes, but we have gotten accepted a little more. Uh, Cuomo got us, CNN got us. So I appreciate it. Destiny was gonna come here. I think his flight got canceled. Maybe we'll reschedule. Who knows? So it got a little better. Okay. Since then, but yes, at that point, only the right wing, even though I'm not even hyper right wing. Like economically, yes, I lean to the right economically for sure. But because of like you. But the thing is, I mean socially, I'm actually decently on the left. I'm not crazy. Like cut the dicks off children and shit like that, but like, you know?

• 49:17Caleb Hammer?

  You people are just extremists.

• 49:19Speaker 01

  I don't think I'm extreme. I think

• 49:21Caleb Hammer?

  Okay. You're angry at me for going on Rogan. You're calling us, if you're calling the entirety of the United States today racist and misogynistic, that's pretty extreme.

• 49:31Speaker 01

  Entirety.

• 49:32Caleb Hammer?

  How is the United States today? I'm gonna give you another chance.

• 49:35Speaker 01

  Portion

• 49:35Caleb Hammer?

  Let's do it again.

• 49:36Speaker 01

  Of it is.

• 49:36Caleb Hammer?

  Ah, you're pressing goalposts. Now that is not what you said. That is not what you said. You said America. You said the United States is.

• 49:42Speaker 01

  In a generalized

• 49:44Caleb Hammer?

  And then you said because of the elected officials and the Supreme Court. Now you're really trying to say, well, no, it's certain groups of people.

• 49:53Caleb Hammer?

  Come on. I'll give you another chance. One more time. Last chance officially. How is America today? In your own words, sexist, racist. And maybe it is, by the way, she just can't bring up any real points. And this isn't my topic that I care to learn that much about. I'm more interested in economics, so I can't speak on it, but please give me something. I wanna learn. I wanna learn.

• 50:18Caleb Hammer?

  I mean, I'm learning right now from my producers. You hate that I bash California. I don't even bash California. That California

• 50:23Speaker 01

  On Rogan, you did.

• 50:25Caleb Hammer?

  California is my dream state to live in.

• 50:27Speaker 01

  You should move to California.

• 50:28Caleb Hammer?

  That would be horrible for me.

• 50:29Speaker 01

  It would not.

• 50:30Caleb Hammer?

  It, I would lose 13% of my money. It would be really bad for me. And the employment laws are an absolute joke.

• 50:35Speaker 01

  It would be better.

• 50:37Caleb Hammer?

  No. My literal lifestyle of weather might be good, but besides that, no, everything else would be worse. That's the thing. I love California, so I want it to do well. They shouldn't be building this new startup shipyard that was supposed to be in LA on the Bay of Houston and that swampy pit of a disaster. The fact that so many corporate relocations are coming to Dallas should speak something. All the success they have right now is because of something they did back in the day. They're not doing new success. The tech companies that are there, they've mostly been there. Yeah, there's still a startup ecosystem, most venture capital in, uh, the Bay area. But LA, incredible. I would love to LA. This show would thrive in LA. Thrive. But I can't live there with their homeless situation. I can't live there with their crime situation, their catch and release.

• 51:22Caleb Hammer?

  It means even the show on more left wing platform with left wing people in it called My Worst Neighbor and my, or My Worst Ex. Both of those shows on Netflix, half the examples on there were people who got arrested in California and immediately were released and then killed someone. So no, I can't take my girl there. I can't potentially have kids with her there. I can't. Their school system's in the shitter, even though they're paying a shit ton of money per pupil. I can't. I shit on California because I want it to do incredible. So I can move there. I want it to be great for business, hiring. Walkable, beautiful, actually building housing for their people instead of being performative with their rent control.

• 52:06Caleb Hammer?

  So that's why I care about what should be the best state in this country. I wanna be there. I can't when it's a mess. That's not unreasonable.

• 52:16Speaker 01

  I don't know. I think as a California girl, it is objectively the best.

• 52:19Caleb Hammer?

  You live in Central Valley.

• 52:21Speaker 01

  Yeah, but I'm

• 52:22Caleb Hammer?

  No one wants to live there.

• 52:23Speaker 01

  No, nobody wants to live there, but I'm two hours from everything. If even.

• 52:28Caleb Hammer?

  Well, we pretty much

• 52:29Speaker 01

  From the beach, two hours from the snow, two hours

• 52:31Caleb Hammer?

  We're what? Three hours with the flight? So good enough. I'd rather live in a place where I'm not just gonna die from someone that got released that committed a murder yesterday.

• 52:40Speaker 01

  That

• 52:40Caleb Hammer?

  In a place where I can employ people and fire them if they suck.

• 52:43Speaker 01

  You can do that in California.

• 52:45Caleb Hammer?

  Yeah. And you'll get sued.

• 52:47Speaker 01

  Not if you have cause.

• 52:48Caleb Hammer?

  Oh, trust me. I think my lawyers know a little bit more about this when we considered where we were gonna move.

• 52:54Caleb Hammer?

  Than a basically unemployed 34 year old who lives with their mom.

• 53:00Caleb Hammer?

  I'm being mean to you. How are you? You having a, you having a okay day so far? How's your trip to Austin?

• 53:06Speaker 01

  It's been awful.

• 53:08Caleb Hammer?

  Well, that's not good. Why?

• 53:09Speaker 01

  Uh, I, my flight got delayed yesterday. Why am I, my, I won't stop watering.

• 53:15Caleb Hammer?

  I know. It's because you're insufferable.

• 53:17Speaker 01

  It's just this one. Um, my flight got delayed yesterday, twice.

• 53:22Caleb Hammer?

  Ah, the damn Republicans. The mega airlines!

• 53:27Speaker 01

  And then they-

• 53:28Caleb Hammer?

  Who's, who's, who's the, uh, who's the new Pete Buttigieg? Who replaced-

• 53:34Speaker 01

  Sean Duffy.

• 53:35Caleb Hammer?

  Sean Duffy? How dare you?

• 53:37Speaker 01

  The challenge star. Real world.

• 53:43Caleb Hammer?

  I'm not as into politics as everyone thinks I am. I just get like you. Um, okay, very good. So how are your finances today, though? Like, obviously, it's a mess. What's your plan? What are you gonna do now? What are you gonna do now? And no, complaining about MAGA is not gonna fix your life, by the way. So maybe less focus on terminal online extremism, more focused on improving your own life, because that's the only thing that matters in the end. So what options are there going forward for you? Stop it.

• 54:10Speaker 01

  Sorry.

• 54:10Caleb Hammer?

  It's okay. You can wear it, just don't twist it.

• 54:14Speaker 01

  I'm gonna keep doing it.

• 54:15Caleb Hammer?

  Okay.

• 54:16Speaker 01

  Um-

• 54:17Caleb Hammer?

  Oh my goodness, I have another person. Oh my gosh, I can't believe, I'm getting notes. You shouldn't have said all these things in the interview. "I personally believe billionaires, corporations, and the wealthy are not paying their fair share of taxes. While the working-class people struggle." You know how working-class people, like, make the most money out of any major country? And have the most disposable income, which is like income after the necessary stuff.

• 54:38Speaker 01

  But why are we giving tax returns to corporations?

• 54:41Caleb Hammer?

  Tax returns?

• 54:41Speaker 01

  Yes.

• 54:42Caleb Hammer?

  No, we're giving tax, tax returns!

• 54:44Speaker 01

  Tax returns.

• 54:46Caleb Hammer?

  Tax returns?

• 54:47Speaker 01

  Yes.

• 54:47Caleb Hammer?

  We give tax returns to people with kids. Tax returns? What are you talking about, tax returns? You're talking about where they spend more money than they make on paper, so they have to pay less taxes? Because they're employing people, investing in R and D and new technology? Any of those companies are in your home state, girlie. They're, they're, they're why your state even exists anymore. Silicon Valley, be thankful for the Bay Area, because LA doesn't exist. So if it wasn't for those, I don't think they'd be there. And people, they can back up and move, just like anyone else, anywhere else. They'll, they'll go to Ireland for the corporate HQ. We don't want that.

• 55:21Speaker 01

  No, but I mean like-

• 55:22Caleb Hammer?

  You wanna pull a UK where they all go to Dubai? No, thank you. I like when they're here. There are consequences to performative policies. Also, what do you mean, tax returns to corporations?

• 55:32Speaker 01

  There are like Fortune 100 companies that got, that have gotten tax money back from-

• 55:42Caleb Hammer?

  What context? What context? Is it when they, they got, um, they went to a new area and they reached a deal with a city?

• 55:49Speaker 01

  No, like Chase of, this is probably from a couple of years ago, but Chase Bank got a tax return. I know-

• 55:58Caleb Hammer?

  What was the context on what? You're saying Chase is not a tax net contributor? I haven't heard of this specific Chase thing. I'm gonna check it, but-

• 56:08Speaker 01

  I, Chase Bank was one of them. There's, I know, like, Amazon paid zero dollars in corporate taxes.

• 56:15Caleb Hammer?

  But that was because they spent more than they made for the longest time. They weren't a profitable company until recent years. You know that, right? Are you saying companies should have to pay taxes on money when they're not profitable? So me as a business, let's say we make a million dollars this year. If I spend a million, one hundred thousand, I should pay taxes on my lost money?

• 56:35Speaker 01

  No, if you're not making-

• 56:36Caleb Hammer?

  Hold on, that was Amazon. Yes, that was Amazon. Also, one of the biggest employers, and not with bad wages either, the entire country. You wanna punish them?

• 56:48Speaker 01

  Not punish them, but they, I don't think they should be getting-

• 56:52Caleb Hammer?

  They're paying great taxes now. What, you wanna be AOC and prevent brand-new campuses coming to New York with thousands of new jobs? Consequences of performative policies?

• 57:03Speaker 01

  No, I, I think that, okay, specifically, there are like eight Amazon warehouses-

• 57:13Caleb Hammer?

  Yeah.

• 57:14Speaker 01

  Within driving distance of me.

• 57:15Caleb Hammer?

  Uh huh.

• 57:16Speaker 01

  And they don't do anything to better the community.

• 57:19Caleb Hammer?

  Well, I would say the people that work there-

• 57:21Speaker 01

  They build their warehouse off of a two-lane road and like-

• 57:25Caleb Hammer?

  You know, a lot of people work there, right?

• 57:27Speaker 01

  Yes, that's-

• 57:28Caleb Hammer?

  That's benefiting your community. Those people put money into your system.

• 57:31Speaker 01

  Upgrade the infrastructure that you're building in.

• 57:34Caleb Hammer?

  You mean the roads?

• 57:35Speaker 01

  The roads, yeah.

• 57:36Caleb Hammer?

  That would be good. Now that's the city's responsibility. Advocate for the city, not the corporation.

• 57:41Speaker 01

  All, like-

• 57:42Caleb Hammer?

  Roads are a public good.

• 57:45Speaker 01

  Yes.

• 57:45Caleb Hammer?

  Why are you complaining about Amazon? They're literally employing thousands of people in your city who are going and spending money at restaurants and other- Dude, you're broken. What is it? Please, okay, get your point, get your point.

• 57:55Speaker 01

  So, very specifically, there's an Amazon warehouse, and I just saw a Walmart one right next to it the other day.

• 58:02Caleb Hammer?

  Crazy.

• 58:03Speaker 01

  Built off of a two-lane road, but that traffic, now?

• 58:08Caleb Hammer?

  This is the city's responsibility. Dude, you're actually, no, no, this is actually, okay, actually-

• 58:12Speaker 01

  It should be Amazon's responsibility, because that two-lane-

• 58:15Caleb Hammer?

  A favorite, a public good?

• 58:16Speaker 01

  That two-lane road wouldn't be a problem if Amazon wasn't there.

• 58:20Caleb Hammer?

  This is actually impressive. I've never witnessed someone so far left that they're actually, they're actually advocating for degrowth policies. I've never seen someone sit and in real life advocate for a degrowth policy. That's one of the most impressive things I've ever heard in my life. To not build warehouses because the city can't keep-

• 58:41Speaker 01

  I'm not saying not build them. I'm saying they need to put the infrastructure around them so it doesn't negatively affect-

• 58:46Caleb Hammer?

  Why is it the warehouses?

• 58:49Speaker 01

  Whatever, whatever, because there's-

• 58:51Caleb Hammer?

  It's the city. Or the state.

• 58:53Speaker 01

  No, they're, they're building in rural areas that this two-lane road isn't an issue.

• 58:59Caleb Hammer?

  So New York City-

• 59:00Speaker 01

  Without the warehouse.

• 59:00Caleb Hammer?

  New York City, we want them to add more housing so people can afford more, right?

• 59:05Speaker 01

  Yes.

• 59:06Caleb Hammer?

  Should it be the people who build the housing's fault to add an extra lane to the highway? Because more people are moving in?

• 59:13Speaker 01

  They should have some sort of responsibility in it.

• 59:16Caleb Hammer?

  They pay taxes, property taxes, which those warehouses certainly do. And income taxes and whatnot, paid to the state, redistributed to the city in the state of California, thanks to their new jobs. It's your city's fault for not allocating the resources properly. Advocate for that. Girl, there's lots of things I can complain about Amazon for. Some of the working conditions with heat, that shit was bad. You, you and me can be on the same page for that. But you went and advocated for a degrowth policy? That's one of the most insane things I've ever heard in my life, and putting the responsibility-

• 59:48Speaker 01

  I'm not saying they should be fully responsible, but they, they should-

• 59:51Caleb Hammer?

  They're paying taxes. They're paying taxes for that infrastructure. If the city decides to not upgrade it, that's on the city. Vote for someone different. Okay, she's most likely referring to JP Morgan Chase, the parent company of Chase Bank, receiving a net 1.1 billion US federal income tax refund on cash basis for 2025. Let's get the context, though. Why did they do it? Because they overpaid estimated taxes in the prior year. You're, you're so, oh, I love it. Thank you for making my show possible. For literally not knowing anything. Because that was such an easy look-up. Same thing would happen here.

• 1:00:33Caleb Hammer?

  We have to do quarterly estimated taxes, and if I pay too much, then I would get money packed. Hey, what's your Hammer Financial Score? Because I know your score is like a thousand.

• 1:00:47Speaker 01

  Probably...

• 1:00:49Caleb Hammer?

  Zero out of 10, zero being the worst, 10 being the best.

• 1:00:52Speaker 01

  Probably a one.

• 1:00:53Caleb Hammer?

  You are my favorite. I really appreciate you. Please, more uninformed people, kalebammer.com/apply. It is my favorite thing, and I'm honestly pretty, so if I'm able to look better than someone, like, oh my goodness, it's incredible. I love it. Get your Hammer Financial Score at kalebammer.com. It's free, just takes a few minutes. See where you stand in the world of money, where you're doing poorly, where you're doing great. Where are you, uh, it breaks it down into individual categories now, so you can see where you need to actually improve, where you're doing great, where you need to do better. And if you don't wanna be like a guest who ends up on this app, stop scrolling Reddit and TikTok, clearly. But more than that, download the Dollar Wise Budgeting app. Tens of thousands of monthly active users for a reason.

• 1:01:36Caleb Hammer?

  It changes people's lives. Most people take the annual version because it saves nearly 50% of their money, and you get the physical version of my meal plan signed by me mailed directly to you, and the digital version of my cookbook. You live at the parents', I don't know if you need that, but, you know, if you ever move out. What is your plan? I did try to ask you that.

• 1:01:53Speaker 01

  Need to get out of there.

• 1:01:55Caleb Hammer?

  Yes, what's your plan? Um, that was a great statement.

• 1:01:58Speaker 01

  That's also something that I need your help with.

• 1:02:03Caleb Hammer?

  They also had settlements and adjustments from the IRS due to prior year audits, I will say that. And of course, they had some tax credits, as any business or individual would take advantage of, just like people with kids have tax credits. So that inherently is not a bad thing. So, okay. So what job can you get? Because you're blacklisted, not unfairly so.

• 1:02:22Speaker 01

  Um, I-

• 1:02:23Caleb Hammer?

  From a job that you want to do, even though you know you'll get traumatized from?

• 1:02:26Speaker 01

  Yeah.

• 1:02:27Caleb Hammer?

  But you would get traumatized from literally the beep of the fries saying they're done cooking at McDonald's?

• 1:02:32Speaker 01

  No.

• 1:02:34Caleb Hammer?

  That'll lead to 10 more years of therapy with you. Go on, sorry. I'm being a dick, please. I'm being a dick. You probably just need to live in a place with more opportunity.

• 1:02:45Speaker 01

  Yes. That I

• 1:02:49Speaker 01

  do want to move out of the valley.

• 1:02:50Caleb Hammer?

  Yeah.

• 1:02:51Speaker 01

  And

• 1:02:52Caleb Hammer?

  If you want to, honestly, I really hate to say this, but I mean, they finally moved up from 50 to 49th, but California has the 49th worst unemployment rate in the country for a reason. And people are relocating to like Dallas, Houston, Atlanta, Nashville, North Carolina. I know what you're saying. I know, I know. Well, they're not horrible, but for reasons, because there's jobs and opportunity. Because it's, it's risky to hire in California. It's expensive to hire in California. And people are leaving. So I'm not saying you have to do that, but that is something I'd consider because you're gonna probably move to another city in California. And they're not the best job market, especially with your lack of skills. And resonating talent.

• 1:03:31Speaker 01

  My question for you is, are you guys pretending that the weather isn't awful here?

• 1:03:36Caleb Hammer?

  No, it's really bad in the summer. Three months of the year, it's dog shit. Gorges winters and falls and springs.

• 1:03:42Speaker 01

  I don't like any of those.

• 1:03:44Caleb Hammer?

  Gorges, winter, fall, spring?

• 1:03:46Speaker 01

  It feels like it's raining, but it's not.

• 1:03:48Caleb Hammer?

  That's humidity. Yeah, I guess it was a very humid morning. I apologize for your new trauma and then other 10 years of therapy.

• 1:03:56Speaker 01

  I definitely was not prepared for the humidity. I

• 1:03:59Caleb Hammer?

  Okay, we're not having a humidity conversation. I don't give a where? And what job? Cause what the you will not survive off of this.

• 1:04:08Speaker 01

  I know. I

• 1:04:11Caleb Hammer?

  Please lady.

• 1:04:12Speaker 01

  I

• 1:04:12Caleb Hammer?

  What are the options? San Diego, Los Angeles, metros.

• 1:04:18Speaker 01

  I

• 1:04:18Caleb Hammer?

  San Francisco.

• 1:04:20Speaker 01

  Looking in the Bay area.

• 1:04:21Caleb Hammer?

  Okay. Do you work in tech?

• 1:04:24Speaker 01

  No.

• 1:04:24Caleb Hammer?

  What the you gonna do? You gonna be a barista?

• 1:04:26Speaker 01

  No, I

• 1:04:27Caleb Hammer?

  You're gonna work in the services.

• 1:04:28Speaker 01

  I've been applying for dispatch jobs.

• 1:04:31Caleb Hammer?

  Dispatch. No one's gonna, they're gonna look your name up, dude. No one's gonna hire you. And that's not unfair. You I'm sorry, you RIP? Okay, not even RIP to your friend. He survived. So it doesn't even matter.

• 1:04:46Caleb Hammer?

  RIP to your career and that. New career time. I got you a course career certification and whatever you want. There is tech certifications. Take that, go to the Bay area. They like certifications there. Maybe you'll do something, okay? Accounting, do accounting for them. I don't know. It's still a brutal job market out there. Even with all the VC money, it's a brutal job market.

• 1:05:06Caleb Hammer?

  Also, it's 48% humidity outside.

• 1:05:08Speaker 01

  Oh.

• 1:05:08Caleb Hammer?

  This morning was it was a bad time.

• 1:05:11Speaker 01

  Yeah. It was rough.

• 1:05:13Caleb Hammer?

  Apologize for the PTSD.

• 1:05:16Speaker 01

  It was rough.

• 1:05:18Caleb Hammer?

  Continue.

• 1:05:19Speaker 01

  I don't know how to budget. And I need help with that.

• 1:05:22Caleb Hammer?

  That doesn't matter if you literally don't ever get a job.

• 1:05:25Speaker 01

  I have a job.

• 1:05:26Caleb Hammer?

  No, you're not gonna, no, you're not gonna survive in California. 23 an hour.

• 1:05:30Speaker 01

  25.

• 1:05:31Caleb Hammer?

  25 an hour. You're not gonna survive. What are your goals? Cause you went from homeowner ownership due to your evil MAGA parents. Okay, very good. I apologize for that. Trauma and other 10 years of therapy for that one. I'll just keep stacking them. You're a homeowner.

• 1:05:51Caleb Hammer?

  I'm shaking in my boots. My Texas humid boots.

• 1:05:54Speaker 01

  I don't know.

• 1:05:56Caleb Hammer?

  Great.

• 1:05:57Speaker 01

  Yeah, I know.

• 1:05:58Caleb Hammer?

  So why am I seeing a loan to mom $1,400?

• 1:06:03Speaker 01

  When I was unemployed, she paid my car payment.

• 1:06:08Caleb Hammer?

  How long were you unemployed? California has an incredible welfare state for losers.

• 1:06:13Speaker 01

  Eight months. My unemployment was less than my mortgage.

• 1:06:17Caleb Hammer?

  I'm kind of, I'm with her. If you go on unemployment for losing a job, you're not a loser. That's there for you. If you stay on it forever and you never look for a job and you're like the people who reacted to on the Caleb Hammer Show over on our second channel, then you're a loser. Sorry, go ahead.

• 1:06:29Speaker 01

  I was unemployed for almost nine months.

• 1:06:31Caleb Hammer?

  Why didn't you actually seriously go work at McDonald's?

• 1:06:35Speaker 01

  I don't know. I apply, I know, I applied it like Target, Home Depot, Starbucks.

• 1:06:41Caleb Hammer?

  Yeah, but you know what you did with your resume and all those, I guarantee you.

• 1:06:44Speaker 01

  It's, I

• 1:06:45Caleb Hammer?

  You made it look like you wanted to take them temporarily, just so you could pay the bills and go and get a better job.

• 1:06:49Speaker 01

  Just found out. Cause the company that I work for now was

• 1:06:53Caleb Hammer?

  Wired ears happening?

• 1:06:54Speaker 01

  They're not.

• 1:06:55Caleb Hammer?

  Okay, it just sounds like it.

• 1:06:56Speaker 01

  No, my one eye just keeps swaddling.

• 1:06:58Caleb Hammer?

  No, no, I hear it in your voice. Continue. Starbucks is bullshit and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:07:24Speaker 03

  The number one ranked energy drink is gamer subs.

• 1:07:27Speaker 04

  Literally, the cherry flavor is insane.

• 1:07:30Caleb Hammer?

  Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.

• 1:08:05Speaker 01

  I just found out that the company I work for was bought out and the HR lady told me last week that my resume is awful.

• 1:08:14Caleb Hammer?

  Yes. Nobody is surprised. Again, as always, nobody is surprised. How, how are you? Why did you not put, you live in California? That's where a lot of the AI is being developed. Why did you not put it into AI and ask it? It would have told you that you are and not only did your mom lend you money, she probably lent you an extra chromosome as well. Like you are everything, you are broken. Don't know what else to tell you. Do you owe her a monthly payment?

• 1:08:41Speaker 01

  Yes.

• 1:08:42Caleb Hammer?

  Okay, I know we're gonna call your mom in the post show. Tell her to stop supporting her ass.

• 1:08:50Caleb Hammer?

  She is an evil MAGA mother, so probably kick you out for looking like a gay. Right?

• 1:08:59Speaker 01

  No, my sister's gay.

• 1:09:01Caleb Hammer?

  Wow, what an evil radical Republican your mother is for supporting your gay sister.

• 1:09:10Caleb Hammer?

  I hate Republicans as much as I hate Democrats, but you're making me like them more. You shouldn't. They're annoying. So what's the payment plan for this?

• 1:09:21Caleb Hammer?

  Your actual plan, not the plan, because I know there's no literal minimum, but what's your plan?

• 1:09:28Caleb Hammer?

  You're licensed to be a hairdresser.

• 1:09:29Speaker 01

  Yeah.

• 1:09:30Caleb Hammer?

  Go dress some hair. Creature, come on.

• 1:09:33Speaker 01

  I do occasionally, I don't have very many clients anymore.

• 1:09:37Caleb Hammer?

  Well, no shit. Go work in a salon, you freak.

• 1:09:42Speaker 01

  You have to have clients in a salon.

• 1:09:44Caleb Hammer?

  Yeah, but don't, you can get some random drop-ins and build that list again.

• 1:09:47Speaker 01

  But you have to pay booth rent and then you're not making money.

• 1:09:50Caleb Hammer?

  Okay. We'll go to the most popular one you can find that has a booth available and try it, right? It's okay. Or, okay, oh, fine. Let's make $25 forever. Right? You don't know what to do. At least that's an option.

• 1:10:04Caleb Hammer?

  You get a hairdresser instead of being unemployed for nine months.

• 1:10:06Speaker 01

  I was trying to get my clients to come back. They have not

• 1:10:12Caleb Hammer?

  Sick and tired of you crying every time you cut their hair?

• 1:10:15Speaker 01

  Uh, they were not so happy with my work schedule. I was dispatching.

• 1:10:20Caleb Hammer?

  When you were unemployed?

• 1:10:22Speaker 01

  Yeah, but they stopped coming while I was dispatching.

• 1:10:25Caleb Hammer?

  And you're trying to get them back, though?

• 1:10:27Speaker 01

  Yes.

• 1:10:27Caleb Hammer?

  Why wouldn't they at that point? Because they found someone else, right? Okay. Why did mom give this to you? Yeah, go work at a blowout bar. I'm being told you don't need to have clientele. They're everywhere. People just book and generally don't care who they see.

• 1:10:40Speaker 01

  There's not any around me.

• 1:10:42Caleb Hammer?

  Okay, then like I said, you have to go, that's your

• 1:10:44Speaker 01

  I don't think there's, I don't think there's any.

• 1:10:48Caleb Hammer?

  Glad you followed it up with that. Let's go to the map.

• 1:10:51Speaker 01

  I've never seen one.

• 1:10:53Caleb Hammer?

  Oh, you've never seen?

• 1:10:55Speaker 01

  I

• 1:10:55Caleb Hammer?

  You've never seen?

• 1:10:56Speaker 01

  In my area, I

• 1:10:57Caleb Hammer?

  She's never, it doesn't exist.

• 1:10:59Speaker 01

  I didn't say they didn't exist. I said I wasn't aware of any in my area.

• 1:11:02Caleb Hammer?

  I've never seen Las Vegas. In person, must not exist.

• 1:11:05Speaker 01

  Never been to Vegas?

• 1:11:06Caleb Hammer?

  No.

• 1:11:07Speaker 01

  Oh.

• 1:11:07Caleb Hammer?

  I should. Okay. What's your address? What do we leave in it?

• 1:11:12Speaker 01

  My house address?

• 1:11:14Caleb Hammer?

  Oh, okay. Her town's small, but you're literally what? 15, 30 minutes from major cities?

• 1:11:22Caleb Hammer?

  Yeah, no blowouts there, girl.

• 1:11:24Speaker 01

  I don't think there's a blowout bar there.

• 1:11:26Caleb Hammer?

  In the major cities?

• 1:11:28Speaker 01

  No, I don't think so.

• 1:11:29Caleb Hammer?

  Girl. Okay, I'm seeing so many places. I don't know all that are blowouts. It's hard to see on the map.

• 1:11:35Speaker 02

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC.com, not authorized by any candidate or candidate's committee.

• 1:12:05Caleb Hammer?

  But I have at least to check out. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 places, 16, in the city just south of you. That's not even going to the city west of you or the city east of you.

• 1:12:21Caleb Hammer?

  Do some research, you come on, what are we doing? Okay, 25 minutes away, we confirmed. From your address.

• 1:12:28Speaker 01

  I didn't know there was one there.

• 1:12:29Caleb Hammer?

  No shit, you didn't look because you have no ambition.

• 1:12:35Caleb Hammer?

  Disney Rewards. Quite a princess you are, huh?

• 1:12:40Speaker 01

  Um, I wouldn't say that.

• 1:12:43Caleb Hammer?

  $3,328.62. A $69 minimum payment.

• 1:12:50Caleb Hammer?

  12 years to pay off. Still be unemployed.

• 1:12:54Caleb Hammer?

  Okay, we have fees, we have interest, and we have balance transfers and purchases. You're collecting them all.

• 1:13:00Speaker 01

  Yeah.

• 1:13:02Caleb Hammer?

  Why?

• 1:13:02Speaker 01

  Fees on it?

• 1:13:03Caleb Hammer?

  Oh, yeah. Oh, you betcha. Why?

• 1:13:06Speaker 01

  I don't know.

• 1:13:07Caleb Hammer?

  Okay.

• 1:13:11Caleb Hammer?

  As always, a transfer for someone like you makes no sense. In the Caleb Hammer, like, financial tools network, we have personal loans. We have debt forgiveness programs. We have car insurance and we're adding more. Those are great tools for people like me, for people out there who can manage their shit and have proven they can manage their shit and use it as a tool. For you, a credit card transfer makes no sense. What are you doing?

• 1:13:39Speaker 01

  I was trying to avoid the interest.

• 1:13:41Caleb Hammer?

  There is interest accruing.

• 1:13:44Caleb Hammer?

  Okay. She's trying to avoid the interest. She's financially smart, which is why she went to Boardwalk Pizza, Shuro Bayou, Timland Popcorn, Lockers Disney, Lightning Lane, Pizza Planet, Lightning Lane, World of Disney, World of Denzy, Beverage Kiosk, Lightning Lane, Dutch Bros, DoorDash, DoorDash, Dutch Bros, Dutch Bros, DoorDash, Red Robin, Dutch Bros, Red Robin.

• 1:14:10Caleb Hammer?

  Yeah, that's being financially smart. That's doing really good as a 34-year-old who lives with her mom.

• 1:14:18Speaker 01

  It's not.

• 1:14:19Caleb Hammer?

  No, this is embarrassing.

• 1:14:20Speaker 01

  I know.

• 1:14:21Caleb Hammer?

  Almost as embarrassing as you're not well thought out or well researched political views.

• 1:14:29Caleb Hammer?

  Yeah, yeah, why are you doing this? That's not good. You shouldn't be doing that.

• 1:14:33Speaker 01

  No.

• 1:14:34Caleb Hammer?

  Yeah, why? Why are you doing that? What's my question?

• 1:14:39Speaker 01

  Uh.

• 1:14:42Caleb Hammer?

  Interesting. That is curious.

• 1:14:48Caleb Hammer?

  Yeah. It's a big one. Here they come.

• 1:14:55Speaker 01

  God damn it.

• 1:14:56Caleb Hammer?

  If you want to take a moment, it's okay. I'm [__] with you.

• 1:15:01Caleb Hammer?

  You okay? What's going through your head?

• 1:15:02Speaker 01

  I

• 1:15:05Speaker 01

  already feel like a loser.

• 1:15:08Speaker 01

  I already know all of that. But I also don't feel

• 1:15:16Speaker 01

  I don't know that welcomes the right word. But I feel like a guest in my parents' house. Other than like going grocery shopping and putting stuff in the fridge or the cabinets or doing any of that stuff that I would do when I owned my home.

• 1:15:37Speaker 01

  Feels like a burden.

• 1:15:39Caleb Hammer?

  Why?

• 1:15:41Speaker 01

  Um, my dad makes comments all the time about me being there.

• 1:15:45Caleb Hammer?

  What kind?

• 1:15:46Speaker 01

  Um.

• 1:15:49Speaker 01

  He, most recently, the one that I can think of, he said something along the lines of,

• 1:15:56Speaker 01

  well, we didn't know you were gonna be here for five years and it hadn't

• 1:15:59Caleb Hammer?

  Five years?

• 1:16:00Speaker 01

  It hadn't even been a year.

• 1:16:03Caleb Hammer?

  Okay.

• 1:16:04Speaker 01

  But like the dramatic sarcastic comment of like I'm

• 1:16:14Speaker 01

  intruding on them. Which I know that I am, but I already know that and I already don't want to be there and I already

• 1:16:23Caleb Hammer?

  Here's the thing.

• 1:16:23Speaker 01

  I know.

• 1:16:25Caleb Hammer?

  You are intruding on them if you don't have a real plan. And right now, you can't tell me what you are going to do and where you're gonna go. You are leaning towards Bay Area, but we know you're probably not gonna get hired in the position you want because of your record. Oops. Without a real plan and real effort behind it, you are intruding. If you are putting real effort behind it, then you are someone they can help and support by allowing you to stay there.

• 1:16:57Speaker 01

  Yeah.

• 1:16:57Caleb Hammer?

  If you do nothing, you're an intruder.

• 1:17:01Speaker 01

  I feel stuck and I don't know how to

• 1:17:03Caleb Hammer?

  You're not.

• 1:17:04Speaker 01

  I don't know how to.

• 1:17:05Caleb Hammer?

  Girl, only you are allowing yourself to be stuck.

• 1:17:07Speaker 01

  I know.

• 1:17:08Caleb Hammer?

  You just found out your resume was bad at 34. This is on you. I first, I first started thinking about my resume like 23.

• 1:17:17Speaker 01

  I've updated my resume. I also, I was also applying for federal jobs, so it is a little more geared towards that.

• 1:17:27Caleb Hammer?

  Girl, you can't just be applying to a job. We're going crazy.

• 1:17:30Speaker 01

  No, I know. But so the company that bought my company out, I had actually applied there, so they've they essentially bought me with the company, but

• 1:17:42Speaker 01

  I was under the impression that my resume was at least okay.

• 1:17:49Caleb Hammer?

  No. The city card, $593.55 with a minimum monthly payment of $35, you're purchasing on a card that you can't pay off. Why?

• 1:18:01Caleb Hammer?

  Again, it's all bullshit. Amazon. Ooh, rent a car. Why are you renting a $500 car? How can you afford that?

• 1:18:08Speaker 01

  Um.

• 1:18:08Caleb Hammer?

  Wait, what are you doing with your no time actually applying for jobs and updating your resume?

• 1:18:14Speaker 01

  My

• 1:18:15Caleb Hammer?

  Such a Disney trip. You know, they're a billion-dollar company. You know, they get lots of tax benefits, right?

• 1:18:19Speaker 01

  Yeah.

• 1:18:19Caleb Hammer?

  You know, their tax situation's quite interesting.

• 1:18:22Speaker 01

  Yeah, my sister works for Disney.

• 1:18:23Caleb Hammer?

  Oh, yeah. Big evil capitalist Disney.

• 1:18:28Caleb Hammer?

  Was that to Disney?

• 1:18:29Speaker 01

  Yes.

• 1:18:30Caleb Hammer?

  Yeah. Champagne socialist, as always.

• 1:18:35Caleb Hammer?

  You know, you people are the most hypocritical people.

• 1:18:39Caleb Hammer?

  I'd say people on the far right are really annoying. People on the far left are hyper, hyper hypocritical. Like, it's crazy. And both scare the [__] out of me. Unfortunately, these days, further left, further right scared me the vast majority of my life. Now the far left, I feel like I could get [__] you know, any moment of my life because of you freaks because I yelled at someone who has like supremacist positions when I'm actually quite liberal socially, but

• 1:19:10Caleb Hammer?

  some whatever rant. You know that, right? You guys are really fucking hypocritical.

• 1:19:15Speaker 01

  I don't

• 1:19:16Caleb Hammer?

  Evil corporations capitalist, and then you just give them all your money.

• 1:19:19Speaker 01

  I know.

• 1:19:21Caleb Hammer?

  And Amazon, weren't you just hating on that warehouse that delivered that to you?

• 1:19:24Speaker 01

  Yeah.

• 1:19:25Caleb Hammer?

  It's a shame they're able to get there on that two-lane road to your house.

• 1:19:31Speaker 01

  I don't, I don't shop on Amazon very often. But if I do, it's

• 1:19:35Caleb Hammer?

  Who cares?

• 1:19:36Speaker 01

  It's because I can't find it around me.

• 1:19:38Caleb Hammer?

  Just do it, man. Doesn't matter. Oh, yeah, no, live to your principles, your cheap principles. I have no real moral backing other than performative virtue signaling. Wells Fargo, what's going on?

• 1:19:51Speaker 01

  That one like has my storage unit on it and

• 1:19:56Caleb Hammer?

  It has a storage unit, dude, just get rid of it. It doesn't [__] matter. Get rid of your shit. Get Facebook Marketplace stuff when you start over again. It's gonna cost money to move it all. Can't afford to live anywhere, you can't afford a storage unit.

• 1:20:09Caleb Hammer?

  Big corporation, Target. Big corporation, Chewy. Massive corporation, Spotify.

• 1:20:18Caleb Hammer?

  Huge corporation, Walmart.

• 1:20:20Speaker 01

  Yeah.

• 1:20:20Caleb Hammer?

  Giant corporation, Walmart. Dutch Bros, Walmart, Walmart, Walmart. And a lot of that's bullshit, too. Ain't groceries.

• 1:20:28Speaker 01

  No, it is groceries.

• 1:20:29Caleb Hammer?

  Not all of it. That $2.34 was a [__] snack.

• 1:20:33Speaker 01

  No, Walmart splits them up. I'll get, I don't know why, but some charges and I'll, or they'll like refund it for something missing or they overcharge you and then refund the money.

• 1:20:46Caleb Hammer?

  I don't know. Maybe.

• 1:20:47Speaker 01

  Cause I

• 1:20:48Caleb Hammer?

  Okay, Audi.

• 1:20:48Speaker 01

  When I do buy

• 1:20:49Caleb Hammer?

  You have a [__] Audi?

• 1:20:51Speaker 01

  Yeah.

• 1:20:52Caleb Hammer?

  You're homeless and you have an Audi? Okay.

• 1:20:54Speaker 01

  I was making money when I bought it.

• 1:20:56Caleb Hammer?

  Okay, get rid of it when you don't.

• 1:20:59Caleb Hammer?

  I don't know. What's your job again? What do you do?

• 1:21:01Speaker 01

  I do customer service at a plumbing company.

• 1:21:05Caleb Hammer?

  From home or there?

• 1:21:06Speaker 01

  There.

• 1:21:06Caleb Hammer?

  Okay. Okay, you owe $16,650.62 with what interest rate?

• 1:21:12Speaker 01

  I think it's like 3.9.

• 1:21:14Caleb Hammer?

  Yeah, that's not horrible, but the minimum payment is 7.85 for someone making $25 is crazy. In what world does that possibly make sense? Let's see, what is it worth? 17? If you sell it, get a $10,000 car, you're really only saving $6,000. But we do gotta get you on a better payment plan. That shit's crazy. You're never gonna move out with a $785.51 payment on this. You're never gonna move out. Right?

• 1:21:41Speaker 01

  It would be

• 1:21:42Caleb Hammer?

  Half rent.

• 1:21:43Speaker 01

  Extremely difficult.

• 1:21:44Caleb Hammer?

  It would. And we get rid of it. You make a thousand on it, put a thousand dollars down on a $10,000 car. That's it. That's the new beater, unfortunately.

• 1:21:55Speaker 01

  My car.

• 1:21:57Caleb Hammer?

  You're homeless. Americans and their [__] cars. The fact that you prioritize a [__] car over getting a place to live. Crazy. You're right, you are a burden on your family. If you prioritize a car over getting out, they're not wrong in that case.

• 1:22:15Caleb Hammer?

  It's okay. You're crying, but like, listen, that's your choice to make. I have sympathy until there's things like this.

• 1:22:21Speaker 01

  I know.

• 1:22:22Caleb Hammer?

  Right? Crazy.

• 1:22:27Caleb Hammer?

  So what did you want?

• 1:22:30Caleb Hammer?

  You wanted to talk about something Walmart related?

• 1:22:33Speaker 01

  Um, well, I hate that I have to shop. Feel like I have to shop at Walmart. We don't, we do have grocery stores, but they're obviously more expensive, but Walmart's like the worst of the worst corporations.

• 1:22:48Speaker 01

  They Walmart like. Okay. So I recently saw an article for about.

• 1:22:55Caleb Hammer?

  From?

• 1:22:57Speaker 01

  Oh, I don't remember now.

• 1:23:00Speaker 01

  But it was talking about a Costco employee who's been a cashier at Costco.

• 1:23:06Caleb Hammer?

  I actually really don't care unless you can tell me where the article's from.

• 1:23:11Caleb Hammer?

  Cause that matters so much. You have no idea.

• 1:23:13Speaker 01

  I don't, I don't remember.

• 1:23:14Caleb Hammer?

  I don't know. I know Walmart has hurt some small towns. I know. But it's kind of interesting that the customer base in those small towns choose Walmart over the smaller stores. They chose it. It sucks. I don't like the outcome, but that is a what's the alternative? You want the government to come in and fund those small stores like it's? Yes. Oh, shit.

• 1:23:35Speaker 01

  I know. I don't.

• 1:23:36Caleb Hammer?

  Oh.

• 1:23:37Speaker 01

  I.

• 1:23:38Caleb Hammer?

  So like, okay. I mean, I can vibe with you, but I can't get to the real world with you.

• 1:23:46Speaker 01

  I think.

• 1:23:46Caleb Hammer?

  When our opinions are based on vibes.

• 1:23:48Speaker 01

  I think Walmart's extra shitty. They.

• 1:23:51Caleb Hammer?

  Sure.

• 1:23:51Speaker 01

  They pay their employees like.

• 1:23:53Caleb Hammer?

  Fifteen an hour is their minimum across the country.

• 1:23:57Speaker 01

  And then

• 1:23:59Speaker 01

  obviously a lot of those employees have to then get assistance and end up on SNAP and then.

• 1:24:07Caleb Hammer?

  Less today than before, but yes. Okay. This is like, that's talking part from like 2009.

• 1:24:11Speaker 01

  Gets back at Walmart.

• 1:24:13Caleb Hammer?

  Okay. That is like a 2009 talking point. That's crazy. I remember using it myself. Remember using it myself when I was a big Bernie bro.

• 1:24:20Speaker 01

  It lives.

• 1:24:21Caleb Hammer?

  We go through big transitions in college, ladies and gentlemen. Some more than others. Some lose their dick. I just went, you know, radical left. Cause I was a music major.

• 1:24:31Speaker 01

  There are issues on both sides of it, but I think Walmart is definitely.

• 1:24:36Caleb Hammer?

  Definitely not the best. I would love to see people pay more.

• 1:24:38Speaker 01

  Granted, yeah, everybody's gonna, most everybody's gonna use it to their advantage, but Walmart definitely is using it to their advantage to.

• 1:24:47Caleb Hammer?

  And I think your argument that you started to say, and I would probably agree with you is like, well, but Costco treats their employees better. Right?

• 1:24:52Speaker 01

  Yes.

• 1:24:52Caleb Hammer?

  Which is by the way, why most people prefer to go to Costco when there's a Costco versus a Walmart. Go to a Walmart here and you'll see it's just trash. You know why? Because they don't really take care of it. I, that'll probably be damaging to their company long-term. We, people, Costco's are filled to the brim and people there are great to interact with because they pay well, but they're getting the reward for that. Walmart's gonna take the hit for that. Let the market determine it. What are you gonna do? Cry and moan? I don't know. So 4,000 in savings dramatically lower than 17,000 when it started. Draining?

• 1:25:24Speaker 01

  No, that I put it into a different savings account.

• 1:25:27Caleb Hammer?

  Okay. Checking eight oh four, but again, it's going to be drained with the bullshit Taco Bell, Dutch Bros, Dutch Bros, going to get in some bullshit pizza bullshit. DoorDash and Red Robin again. McDonald's. McDonald's, Dutch Bros, Jack in the Box. Bro, you don't cook. Oh, that's not good. I'm sorry. You're getting a comfortable life. Come on. All your money's going to just feeding those dopamines. Why would you move out? Why would you do ambition? Come on, I've been there. I know this. Jack in the Box, Dutch Bros, Dutch Bros, Hollis, Hollis, McDonald's, Panda. Transfer from savings. You had to transfer money into the savings. So you didn't. So that you had more money. So as you keep going to McDonald's, Apple Cash Bank, McDonald's,

• 1:26:11Caleb Hammer?

  Peacock, Microsoft, drainings isn't, uh, savings isn't being drained. Huge or super quick, but it is going down, which is a concern. Cause you have transferred some to checking little by little. So 15 in this and that high yield savings account. Okay. That's good. I'm happy to see that. That's a good start for your moving out journey. You just need to get a job, figure out your resume situation. I am so excited to call your mom in the post. I gotta tell this woman to kick your ass into gear. I'm gonna yell at her for it. Yeah. Retirement's nothing. It's like 400 there.

• 1:26:47Caleb Hammer?

  And you got fees. Oh, 8,000 in this one. Okay. That one's decent for your age, very bad, but at least there's a number. Many people don't have a number. Ah, wait. Nation I had what?

• 1:26:57Speaker 01

  Uh, it's a 457.

• 1:26:58Caleb Hammer?

  Okay. 12,292. Okay.

• 1:27:03Caleb Hammer?

  Good. Let's get your bu, well, I mean, your budget, you don't fricking have like costs. Uh, but the budget isn't the important part of the conversation. It's about what you do from here, but let's just do it anyway. I can make, you know, make it make sense. 3,100. Uh, you don't pay any rent to them?

• 1:27:19Speaker 01

  I do.

• 1:27:19Caleb Hammer?

  Oh, okay. Well, it does matter then. How much?

• 1:27:21Speaker 01

  500.

• 1:27:22Caleb Hammer?

  So that go to utilities and everything is well enough to extra for that. No internet. Okay. Debt payments. Let's see. Car, get rid of it. Not even a choice. Get rid of it. Thousand dollars down on a 10,000 hour car. Ain't luxury girl. Cause your debt payments right now are $914.51. Gas room from drive, drive. How much? Not much now. It will be when you go drive it to the blowout bar.

• 1:27:46Speaker 01

  Um, my work drive actually got shorter just as.

• 1:27:49Caleb Hammer?

  How much?

• 1:27:50Speaker 01

  Two weeks ago.

• 1:27:50Caleb Hammer?

  How much?

• 1:27:51Speaker 01

  So I would say probably 150.

• 1:27:54Caleb Hammer?

  Phone bill.

• 1:27:55Speaker 01

  $60.

• 1:27:57Caleb Hammer?

  Yeah. Switch to helium. If T-Mobile's getting that area, similar towers to that. Okay. Then maybe not. It is good for the vast majority of people out there. Car insurance. How much?

• 1:28:04Speaker 01

  Uh, I think it's 169.

• 1:28:06Caleb Hammer?

  Not the worst. You don't have to do groceries. Well, how does the food work if you stop eating out?

• 1:28:12Speaker 01

  Um.

• 1:28:13Caleb Hammer?

  Would you have to shop for yourself?

• 1:28:15Speaker 01

  For most of the stuff like.

• 1:28:17Caleb Hammer?

  Let's give you 300. Let's just be generous, which we have most of. Let's be generous. Meal prep, meal plan. That's what you're doing. It'll be good for health as well. TP fund, anything else you need to survive. We'll do about a hundred bucks. That is tampons, toothbrush, toothpaste, all that good stuff. Again, some of it will be provided by the house. Some of it not like toilet paper will be, but medical healthcare. Any copays monthly basis?

• 1:28:36Speaker 01

  Yeah, they're pretty high.

• 1:28:38Caleb Hammer?

  How much?

• 1:28:38Speaker 01

  Um, probably like 500.

• 1:28:41Caleb Hammer?

  What the? Therapy?

• 1:28:43Speaker 01

  No, I have one prescription that my insurance doesn't cover.

• 1:28:50Caleb Hammer?

  Okay. And subscriptions?

• 1:28:54Caleb Hammer?

  I'll try to do 40 bucks.

• 1:28:55Speaker 01

  I.

• 1:28:56Caleb Hammer?

  You have any pets?

• 1:28:57Speaker 01

  I have two.

• 1:28:58Caleb Hammer?

  What?

• 1:28:58Speaker 01

  Cats.

• 1:28:59Caleb Hammer?

  Okay. Hundred dollar pet insurance. How much for cat food? Cat supplies?

• 1:29:03Speaker 01

  Probably like

• 1:29:06Speaker 01

  a hundred dollars a month.

• 1:29:08Caleb Hammer?

  Okay.

• 1:29:09Speaker 01

  I generally like buy a bunch of food at the same time when they have sales.

• 1:29:12Caleb Hammer?

  Anything else that needs to be in this budget?

• 1:29:15Speaker 01

  I would like to know like what I could afford rent wise.

• 1:29:21Caleb Hammer?

  None. You have an extra hundred dollars.

• 1:29:23Speaker 01

  Awesome.

• 1:29:23Caleb Hammer?

  So you can afford $600 rent. Yeah. You'd have to do like public housing. Subsidized housing. Nothing on this job. No, that's why I can't, like I said, your budget's not the freak out. The freak out is you.

• 1:29:35Speaker 02

  Now more than ever, we need someone on our side, but Rob Whitman, Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the house majority pack.com, not authorized by any candidate or candidate's committee.

• 1:30:04Caleb Hammer?

  We need to get a job. We need to update our certifications. Maybe you'll get lucky, get a dispatcher job again. Let's not lean on it though. Let's try to get our skills, our resume together and get into a new career field. That should be your main focus in somewhere with opportunity. Unfortunately, but that is the reality as well. That's it. I mean, I'm sorry. This isn't, this doesn't do anything. You're gonna have to sell the car. The minimum payment goes down a little. Let's say $500 to $500. That saves you an extra few hundred dollars here. So.

• 1:30:34Caleb Hammer?

  But that's pretty much it. From there, you just gotta. You can pay off your Wells Fargo like that immediately. Once the car's sold and all that good stuff. And you gotta chip away at the Disney and city. And that might take like a year or two with the current job, but with a better job, much quicker. And then all of a sudden you're, you're out, you're out. Actually, since those are draining you, one thing I might do is I'd use the majority of your emergency savings and pay off those credit cards.

• 1:30:57Speaker 01

  Okay.

• 1:30:58Caleb Hammer?

  Cause they're draining you. I mean, you're losing more than you're gaining in any kind of high yield interest. So math problem right there. Just get rid of it.

• 1:31:06Speaker 01

  What do I, what do I do with all my retirement accounts?

• 1:31:09Caleb Hammer?

  Leave them. Roll them over eventually, but it's fine.

• 1:31:11Speaker 01

  It just all in separate places.

• 1:31:13Caleb Hammer?

  It doesn't matter right now. That's the least of your concern. As long as they're invested in something, they're going. So don't worry about it. You shouldn't be thinking about that for a while.

• 1:31:23Caleb Hammer?

  Pay off these debts, get rid of the car, get a new car, get a better job. Those are the operations. Okay. I'm gonna call the mom in the post. A big confrontation we gotta do here, but let's get the hammer financial score first. All spending in a budget, spending money you definitely can't spend, clearly is why debt is going up and savings is going down. Debt, no collections, but bad debt, family debt, family debt. Also give it one out of 10 emergency fund. There is that. You do have that saved up. So your debt score will substantially go up because you'll put that, but your emergency fund score will go down. But for now, where it stands today, emergency fund, it's actually a 10 out of 10. Retirement, definitely behind for your age, about a three out of 10. Real estate, zero out of 10.

• 1:32:05Caleb Hammer?

  But I am happy that there's a retirement. Three's better than most people, unfortunately, especially in America. And financial score also better than a lot of people on the show. Three out of 10. Get yours at Calebhammer.com. Now click the join button or the link in the description below to join Hammer Elite, get three premium shows every single day, Monday through Saturday. It's incredible. Or you can go off platform on the Hammer Elite app or hammerlee.com. Either way, same membership on all platforms. Love you guys. See you there. So I know she lives with you right now. Um, and your husband, her father has said some uh, sideways comments. Your daughter is kinda leeching off you guys.

• 1:32:41Speaker 05

  Shit. I don't understand how she's draining her savings. She moved back home when she sold her house. We asked her to pay off her.

• 1:32:51Speaker 05

  With the money that she got from her house because she had plenty to do that at the time.

• 1:32:55Caleb Hammer?

  Why would you hide that from your mom? I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise.

• 1:33:22Speaker 02

  Now more than ever, we need someone on our side, but Rob Whitman, Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the house majority pack.com, not authorized by any candidate or candidate's committee.