Pod Insights Financial Audit What The F*ck Is This? | Financial Audit About this episode FINALLY- she is able to tell us all the *wild* X-rated stuff about this insane guy... and it is legit *insane* ... Watch here: ➡️ https://bit.ly/chpostshow
💲 See what's new inside Dollarwise today → https://bit.ly/4ab6UM8
=============================
🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS
=============================
👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus
🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb
=============================
Master Your Money with Caleb Hammer
=============================
⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer
⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch
=============================
*Check Out My Resources*
=============================
👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb
👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus
👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer
👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb
👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb
👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/
👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer
👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer
*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
Transcript 19,317 words · 8 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:00 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
0:31 Speaker 01 Low energy, unfocused, foggy? You might be dehydrated. Whether it's hot yoga, over 100 degree weather, or too much sun. Gator Light, with a specialized blend of five electrolytes, was scientifically designed to help move fluids into the body faster for rapid rehydration. Shop now at retailers nationwide. Gator Light hydrates faster than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.
0:59 Caleb Hammer? To watch episodes of Financial Audit a week earlier, check us out on YouTube.
1:02 Speaker 03 I want to be a Disney adult.
1:05 Caleb Hammer? You're a Disney adult?
1:06 Speaker 03 Kind of, yes.
1:07 Caleb Hammer? Oh.
1:08 Speaker 03 I won't need to get a second job, okay? I can make it work. I have an only [BLEEP], okay? Make it happen.
1:13 Caleb Hammer? No, you [BLEEP] don't.
1:14 Speaker 03 I am a furry [BLEEP] and a human [BLEEP], so it's both.
1:19 Caleb Hammer? There it is, ladies and gentlemen.
1:20 Speaker 03 I'm a little slut, I'll admit it.
1:22 Caleb Hammer? No wonder he left you.
1:25 Speaker 04 Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the charge. Go to dollarwise.com to change the future.
1:40 Speaker 03 Hi, I'm Roxy. I'm 29. I'm from Grand Rapids, Michigan, and this is Financial Audit.
1:46 Caleb Hammer? It sure is. A fellow Michigander coming on down to the much better place of Austin, Texas. Nice to have you. What do you do up in Grand Rapids for a living? Halfway decent town, by the way. If you have to live in Michigan.
1:58 Speaker 03 Yes, actually, I'm new to the area, but loving it so far, actually.
2:02 Caleb Hammer? That will go away quickly.
2:04 Speaker 03 Probably, the snow is killing me.
2:05 Caleb Hammer? What do you do for a living there?
2:06 Speaker 03 I'm a general manager for quick service restaurants.
2:10 Caleb Hammer? Okay. Now, Grand Rapids, not one of the higher places to live in the United States, for sure. So, in terms of cost of living, general manager of a restaurant might actually... Make a halfway decent living there. Let's, is it a chain, big chain?
2:24 Speaker 03 Semi, um.
2:25 Caleb Hammer? Oh shit. Okay. Well, can you say it? If you don't want?
2:28 Speaker 03 Yeah, yeah. I work for a company called Pliables of Michigan. We're, we're.
2:33 Caleb Hammer? That's a restaurant?
2:34 Speaker 03 Yeah. So.
2:35 Caleb Hammer? Pliables?
2:36 Speaker 03 Yes.
2:36 Caleb Hammer? Like I'm gonna go eat at Pliables?
2:38 Speaker 03 Yeah.
2:41 Speaker 03 We're an acai bowl and.
2:42 Caleb Hammer? Okay, so it is not a big chain, is it? Or else did that, did this, did that come when I left? Cause I guess it's been a while.
2:48 Speaker 03 It is. So, well, my store opened up in November. That's why I moved over there.
2:53 Caleb Hammer? What do you make?
2:54 Speaker 03 I make fifty eight a year now.
2:55 Caleb Hammer? Okay, fifty eight a year. Listen, in Grand Rapids, I mean, you should be doing at least halfway decent.
3:00 Speaker 03 Yeah.
3:01 Caleb Hammer? Like, are you living it up going full rich? No, but fifty eight thousand bucks a year, you're living halfway decent, pretty, probably pretty close to the median household income in that area. I'm gonna assume is closer to like seventies to eighty. So, almost sixty alone, not too bad. What hits your account per paycheck cycle?
3:19 Speaker 03 Um, it hits right around.
3:22 Caleb Hammer? And what is that paycheck cycle?
3:23 Speaker 03 Uh, it's, um, every two weeks bi-weekly. So, every, every other Friday.
3:27 Caleb Hammer? Okay, what hits?
3:29 Speaker 03 Uh, right around eighteen hundred.
3:31 Caleb Hammer? You said this is new?
3:33 Speaker 03 Yeah, um, well, I just got the raise, so, um, I got a three.
3:36 Caleb Hammer? Well, how long have you been doing this? You said you moved over to this job. That's new?
3:40 Speaker 03 Uh, well, I got a raise coming out here.
3:43 Caleb Hammer? Uh, out there, because we are not in Grand Rapids, by the way. Where'd you come from?
3:48 Speaker 03 Um, Detroit area.
3:49 Caleb Hammer? Oh, okay. So, it's so similar. Okay. Well, that's not even that big. Okay. So, three thousand six hundred a month, right? That's what hits our account?
3:56 Speaker 03 Yeah, yeah.
3:57 Caleb Hammer? How you doing?
3:58 Speaker 03 Good. I feel like it's good, you know? I just, I probably stick with my spending and.
4:01 Caleb Hammer? You're not a financial artist, so no, but how is it going? In actual, in the real world?
4:06 Speaker 03 I feel like I'm paycheck to paycheck, even though I probably shouldn't be in a, in a reality sense, but.
4:11 Caleb Hammer? Why would you be?
4:12 Speaker 03 Probably because I have needs that I feel like are needs, but they aren't needs, maybe?
4:20 Speaker 03 Or maybe I'm just too giving. I'm not sure.
4:22 Caleb Hammer? Too giving? Who would you be giving?
4:25 Speaker 03 People in my life that matter.
4:26 Caleb Hammer? Okay, that matter. I mean, a lot of people matter, but if you're giving more than when you can't even take care of yourself, that doesn't really make sense and you're not really benefiting them long-term anyway, because you won't be able to give long-term because you'll completely destroy your financial life and you can't give. Okay. Okay, so what's going on? What are we talking about?
4:43 Speaker 03 I don't want to own real estate, Caleb. I want to be a Disney adult and I want to own a Disney vacation.
4:49 Caleb Hammer? There's no Disney in Grand Rapids, you dumb.
4:51 Speaker 03 That, I know that. So I want, I want to just have a like, um, like either apartment or condo in like wherever I live. Like, I'm not picking on where I live.
4:59 Caleb Hammer? You're a Disney adult?
5:01 Speaker 03 Kind of, yes. Like.
5:02 Caleb Hammer? Kind of, yes. Well, it sounds like if you want to buy a place in Disney, I think hyper.
5:07 Speaker 03 Yeah, like I want it to be my 30th birthday gift, actually. I want it to be this year is I want to.
5:11 Caleb Hammer? When's 30? When is that?
5:14 Speaker 03 April.
5:15 Caleb Hammer? Oh, for fuck's sake. There's not, I mean, that's not a fucking chance. Why didn't you prepare for that then if that was your big 30-year-old dream? Interesting dream, by the way. But if that was your big 30-year-old dream, what the fuck were you doing at 26 to prepare for it?
5:27 Speaker 03 It's a newer 30-year-old dream. My old 30-year-old dream was to be married and now I'm not going to be that because of certain situations.
5:35 Caleb Hammer? Who'd you cheat on?
5:37 Speaker 03 I didn't cheat on anybody, ew.
5:38 Caleb Hammer? Okay, um. And I just. You've been single forever, I assume?
5:43 Speaker 03 No.
5:44 Caleb Hammer? No?
5:45 Speaker 03 I'm always in a relationship. I always have people.
5:47 Caleb Hammer? What?
5:47 Speaker 03 I always have somebody with me. I currently live with some, with my ex.
5:52 Caleb Hammer? Wow, that's weird.
5:55 Caleb Hammer? Well, no way you guys don't get freaky.
5:57 Speaker 03 No.
5:58 Caleb Hammer? What? You live with your ex and he doesn't stick it in and you don't request it to be stuck in?
6:02 Speaker 03 No.
6:03 Caleb Hammer? No way. That's never happened once since breakup. What? Heard you guys been broken up. No way.
6:09 Speaker 03 We broke up a little bit after Christmas.
6:12 Caleb Hammer? Oh, it's been a couple of months.
6:13 Speaker 03 The second time. We broke up a year ago before and then I moved back in.
6:15 Caleb Hammer? It's been like two weeks then.
6:17 Speaker 03 Yeah.
6:17 Caleb Hammer? It'll happen.
6:18 Speaker 03 No. I have zero attraction toward that man for so many reasons.
6:22 Caleb Hammer? Oh, well, sounds like a great person to live with then if there's so many reasons.
6:26 Speaker 03 Listen, we're working, we're, we're, we're figuring it out.
6:29 Caleb Hammer? Figuring it out? Your exes? What are you figuring out? To not be exes?
6:33 Speaker 03 No, figuring out that I, that I need to leave now. That, that's why we broke up.
6:37 Caleb Hammer? After two weeks of living with this guy?
6:40 Speaker 03 Well, no, we've, we've been, we've lived together for a year and a half now.
6:43 Caleb Hammer? You said Christmas.
6:45 Speaker 03 We broke up at Christmas.
6:46 Caleb Hammer? Oh.
6:49 Caleb Hammer? Okay, well, yeah, I understand not moving out that quick then, because that's been like literally two weeks since the point of filming this episode. Like, actually, I think two weeks today, right? Was that Christmas? I think New Year's was tomorrow. Okay, so. Oh, you guys, why did you just break up? Because now you have to find a whole new place, or he has to find a new place, and then you'd have to take care of that full rent. It's that's chunky. What the happened? First of all, you've only been dating a year and a half, you said?
7:16 Speaker 03 So we.
7:17 Caleb Hammer? Where you live together.
7:17 Speaker 03 We lived together for a year and a half.
7:19 Caleb Hammer? When were you dating?
7:20 Speaker 03 Three and a half years.
7:20 Caleb Hammer? Okay, well, that's fair. Fair point to move in. What the happened?
7:24 Speaker 03 Um, you know, we just.
7:25 Caleb Hammer? It sounds horrendous. You're making it really sound like all these crazy things happened.
7:29 Speaker 03 In the end, it was more just like we we just weren't people. We weren't the right person for each other.
7:33 Caleb Hammer? What the are you talking about that? And where there's so many reasons.
7:37 Speaker 03 So many reasons we can't talk about right now, Caleb. Post-show, post-show.
7:41 Caleb Hammer? Oh, it's gonna be one of those. Well, you know, it'll be good.
7:44 Speaker 03 I don't listen. I appreciate that, man, and I do love you, but.
7:49 Caleb Hammer? Excuse me?
7:49 Speaker 03 No. Talking to him, he'll watch the show. He watches with me every so often. Um, but I don't want to trash him. He is a he's a good man. He's just not the man for me. That is all.
8:00 Caleb Hammer? Well, that's fine. What are you gonna do with your living situation then? I know when you applied for the show a month ago, Colton's saying you were considering breaking up with him.
8:06 Speaker 03 It was a consideration, yes, and.
8:07 Caleb Hammer? Oh, looks like we followed through with that.
8:10 Speaker 03 So the plan for the show initially was to see how I how I would be able to be able to live if I did move out. And now I have to, so now we got figured out.
8:19 Caleb Hammer? And you moved to Grand Rapids a year and a half ago?
8:20 Speaker 03 We moved to Grand Rapids in November of this year.
8:23 Caleb Hammer? For the job?
8:24 Speaker 03 For the job.
8:25 Caleb Hammer? And he followed you?
8:26 Speaker 03 Yes, even though I asked him not to.
8:29 Caleb Hammer? And you were also considering breaking up with him, and he just did? It was like, I'm just going to?
8:34 Speaker 03 We were having fights. We were having problems, and we just still wanted to work it out. He was very determined.
8:40 Caleb Hammer? You told him not to, but you wanted to work it out?
8:42 Speaker 03 We were just gonna live separately, live.
8:44 Caleb Hammer? Yeah, long distance after years of dating, not long distance, while we have issues is always gonna be successful.
8:51 Speaker 03 It was gonna end well.
8:52 Caleb Hammer? Okay, well, I'm being told, though, even though you broke up, he doesn't consider you guys broke it up.
8:57 Speaker 03 He doesn't act like it, no. Like, even when I left the other day to go somewhere, he tried to. He tried to kiss me, and I was like, no, like, he he tries.
9:09 Speaker 03 But I don't reciprocate in any way and I make it clear to him like I avoid.
9:13 Caleb Hammer? What the is happening in this house?
9:15 Speaker 03 Yeah.
9:16 Caleb Hammer? What are you doing about this living situation lady?
9:19 Speaker 03 I'm just working a lot so I'm not at home.
9:20 Caleb Hammer? Well, maybe, but that's not a long-term solution. What the do you know?
9:25 Speaker 03 I know, so that's why.
9:26 Caleb Hammer? So what the is what was in your head? What's been in your head? It's been two weeks of breaking up. You haven't thought of one plan?
9:31 Speaker 03 No, I have been thinking about plans. I'm looking at.
9:33 Caleb Hammer? Then plan!
9:33 Speaker 03 I wanna find a different place to live.
9:36 Caleb Hammer? There it is. By when? By how? How long?
9:39 Speaker 03 We have discussed that we're willing to live out the the rest of the lease, which is till till October.
9:44 Caleb Hammer? Oh, for.
9:45 Speaker 03 Or.
9:45 Caleb Hammer? He is he is living with you like you guys are dating.
9:48 Speaker 03 Kinda, yeah. But I don't wanna do that. I do not. I would like to find my own place and be able to be on my own again.
9:55 Caleb Hammer? Your own place on your own? But when you had the battle notes call with Colton the other day in preparation for the show, you're at another man's place, another penis's place.
10:14 Speaker 03 Yeah. Just hanging out, you know?
10:17 Caleb Hammer? Uh huh. Just buh buh hanging out buh buh.
10:22 Speaker 03 I have needs, Caleb. Sex is sex.
10:29 Speaker 03 I'm a little slut. I'll admit it.
10:31 Caleb Hammer? Okay. Oh, uh oh. Um, yikes.
10:36 Speaker 03 I'll admit it. You gotta be happy, Caleb, and sometimes having fun makes me happy. So I went and had fun.
10:45 Caleb Hammer? And immediately called Colton after getting railed?
10:48 Speaker 03 No, that happened the night before. We were just hanging out when when Colton called me.
10:53 Caleb Hammer? And how does ex-boyfriend who thinks your current boyfriend that you live with and depend on for rent feel about this?
10:58 Speaker 03 I don't have a boyfriend.
10:59 Caleb Hammer? Yes, I'm saying ex-boyfriend who thinks he is your current boyfriend, who you depend on for rent. What does he think about you getting cracked?
11:07 Speaker 03 He doesn't know.
11:08 Caleb Hammer? He knows now.
11:09 Speaker 03 Okay.
11:10 Caleb Hammer? And how will this go in the household of which you depend on rent?
11:14 Speaker 03 It will go fine.
11:14 Caleb Hammer? How much cracking is happening since since Christmas?
11:17 Speaker 03 That was the first one.
11:18 Caleb Hammer? That was the first crack?
11:22 Speaker 03 Yeah, I'm too busy.
11:24 Caleb Hammer? Okay, literally it happened the night before and then you called Colton the next day. We'll still at his place. I don't think that's too busy. Most busy people don't have that kind of flexibility.
11:32 Speaker 03 I had a Sunday off.
11:33 Caleb Hammer? Okay, listen, no, no, take some, the, the, full support. We love it. We, we love sluts.
11:41 Caleb Hammer? Be a slut, be a whore. Do what you gotta do. We love it. Everyone has needs. Huh?
11:46 Speaker 03 Safe slut.
11:47 Caleb Hammer? Well, okay, I didn't say you were getting AIDS.
11:49 Speaker 03 That's what I'm just saying. I'm just saying, you gotta be safe about it.
11:52 Caleb Hammer? Okay, no one was advocating for opposite. I don't, what's the?
11:57 Caleb Hammer? Okay, are you wearing a blanket?
11:59 Speaker 03 Yeah, I'm cold.
12:01 Caleb Hammer? Huh, I've never seen someone wear a blanket in this studio.
12:03 Speaker 03 Pickles.
12:03 Caleb Hammer? Ah, you're a quirky millennial. You're Gen Z though.
12:07 Speaker 03 I don't even really have pickles on much. It was a gift and I just really appreciate the gift, so I take it everywhere.
12:12 Caleb Hammer? Quirky Gen Z's are becoming the quirky millennials. I don't even think they realize it yet.
12:16 Speaker 03 Probably.
12:17 Caleb Hammer? But it's happening. Okay, so.
12:19 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
12:48 Caleb Hammer? You have to find your own place with your portion of rent right now.
12:51 Speaker 03 It is 700.
12:53 Caleb Hammer? You're not gonna find a $700 place, not in a halfway decent, it's gonna be like a thousand at least, minimum.
12:57 Speaker 03 Minimum.
12:58 Caleb Hammer? Assuming 900, so, well, listen, I bet you should be able to do that with $3,600 a month. But yet, you're completely financially, which is why you're on this show, so I don't think that increase in rent is gonna go so well, cuz how are you barely? How are you surviving now if you're barely paying your rent, most likely?
13:14 Speaker 03 Um.
13:15 Caleb Hammer? And how the are you getting to this Disney dream based on, with all this?
13:19 Speaker 03 Well, that's what I'm here for, Caleb, is so that you.
13:22 Caleb Hammer? By April, you're a dumb, you're gonna have to, I think that the cracking that happened a few days ago reached your brain.
13:29 Speaker 03 No, I just, I think that we will be able to make it happen because I, Caleb, I won't need to get a second job, okay? I can make it work. I can make it happen with what I do, cuz I have an only, okay?
13:45 Speaker 03 Make it happen.
13:46 Caleb Hammer? No, you don't.
13:47 Speaker 03 Yes, yes, I have a niche OnlyFans.
13:50 Caleb Hammer? What, is it rubbing your beard to the camera?
13:52 Speaker 03 No, no, don't. So, that's not nice.
13:56 Caleb Hammer? What's the niche? I don't, you're right, I was just thinking of what could be nichey about what you have.
14:00 Speaker 03 No, I sell, I sell feet content. I sell my toes.
14:03 Caleb Hammer? That's not a unique niche, feet, that's like half the internet.
14:06 Speaker 03 It's a niche because I sell not just only human feet.
14:09 Caleb Hammer? I was curious, first I looked up Caleb Hammer nude the other day. Didn't see anything, grateful for that, because I used to send a lot of nudes back in the day.
14:18 Speaker 03 Oh.
14:19 Caleb Hammer? Oh, back in college.
14:20 Speaker 03 Probably holding on to them.
14:21 Caleb Hammer? Yikes, and I also wouldn't be ashamed if they're out there, whatever, I mean, I'll show it to you right now.
14:28 Caleb Hammer? Uh, but I did look up Caleb Hammer feet and I was on the feet website. They got me, they got me.
14:36 Speaker 03 That's valid.
14:36 Caleb Hammer? So, this, this isn't like a crazy thing.
14:39 Speaker 03 No, but I'm a furry feet.
14:42 Caleb Hammer? What the?
14:42 Speaker 03 And a human feet, so it's both, I sell both human and furry.
14:46 Caleb Hammer? What are we doing?
14:48 Speaker 03 Yeah, Caleb, I'm a furry.
14:49 Caleb Hammer? Capitalism's gone too far. Maduro, become our president, we need to go full socialist, this capitalism no longer works. Yeah, and people are paying for this.
14:58 Speaker 03 Yeah, yeah.
14:59 Caleb Hammer? What are you even looking at? You better not be pulling it up, I will literally flip this table.
15:03 Speaker 03 They asked me to text somebody and I was just checking to see if they did.
15:06 Caleb Hammer? They asked you to text someone?
15:07 Speaker 03 They did, Colton did.
15:09 Caleb Hammer? Okay, okay, okay, I bet we're making a phone call then, I will be waiting for that at some point.
15:14 Speaker 03 Yeah.
15:15 Caleb Hammer? Um, good, as long as it's not looking up, what the is a furry feet? That's, isn't it just taking a picture of a fake foot?
15:23 Speaker 03 So, um, my ex is a furry artist, so he draws the furry. A furry artist.
15:31 Caleb Hammer? So he literally still collaborates with you on this?
15:34 Speaker 03 We have talked about that, yes, I will still be, um, paying him to do the art, yes.
15:38 Caleb Hammer? Well, he looks at you naked.
15:40 Speaker 03 No. So he draws it without having to see me because it's all like a furry. So it's just toe bean. So my toes don't look like-
15:48 Caleb Hammer? How is this you then?
15:50 Speaker 03 Because it's my persona. I'm a furry.
15:52 Caleb Hammer? But it's just drawing art without even looking at you. So how is it you?
15:56 Speaker 03 He drew my persona. So my persona, my persona, so he knows how she looks naturally.
16:02 Caleb Hammer? Sure, but it's not you. Why the are you taking a cut?
16:07 Speaker 03 Well, because it's going on my page and it's also my human feet. So the page is human and furry feet.
16:13 Caleb Hammer? Alright.
16:15 Speaker 03 Which has the niche-
16:16 Caleb Hammer? We did tits the other day. May as well go to the next level.
16:19 Speaker 03 Titties.
16:19 Caleb Hammer? Put it up on the table. Let's see it.
16:21 Speaker 03 Oh no.
16:22 Caleb Hammer? No.
16:23 Speaker 03 What, my toes?
16:24 Caleb Hammer? Whip it out dude.
16:24 Speaker 03 No.
16:25 Caleb Hammer? No?
16:25 Speaker 03 No, no free foot content, no.
16:27 Caleb Hammer? Oh, thank-
16:28 Speaker 03 No.
16:29 Caleb Hammer? Okay, I was advocating for it for the sake of content, but I was hoping you'd say no.
16:32 Speaker 03 No.
16:33 Caleb Hammer? No, trust me, you-
16:33 Speaker 03 That's why I wore boots.
16:34 Caleb Hammer? You gave me the right answer. I am not complaining.
16:36 Speaker 03 No, that, no. Knee high boots.
16:38 Caleb Hammer? No, don't worry. You don't have to convince me. I'm on board with you not showing us.
16:43 Speaker 03 No, I understand if he content is not for everybody and I only applaud to the people who want it.
16:47 Caleb Hammer? But it's also your feet. It's like, I'll look at the Margaret Qualley's feet.
16:53 Speaker 03 My feet. People want to see it. People want to pay to see it. Why?
16:56 Caleb Hammer? I'll let Margaret Qualley piss on my feet. Do it. She can do whatever she wants. She can do whatever she wants. Okay, okay.
17:07 Speaker 03 You know what? I am going to show you. Why not?
17:12 Speaker 03 Come on. You get to see everybody's stuff. Why not my toes?
17:15 Caleb Hammer? Everyone's stuff? What stuff?
17:18 Speaker 03 I have seen your show too many times.
17:20 Caleb Hammer? I have seen one pair of boobs.
17:22 Speaker 03 These are toes. I got it cut off the anklet because it's my ex's butt.
17:25 Caleb Hammer? What do you have at the, what's on the bottom of it?
17:28 Speaker 03 Nothing.
17:29 Caleb Hammer? No, you got, there's like a hardcore callus happening in the middle.
17:33 Speaker 03 Yes, I work hard.
17:36 Speaker 03 I work hard. I didn't say I have beautiful feet. I just have feet that people are willing to see.
17:40 Caleb Hammer? Okay, and what are you making from this?
17:43 Speaker 03 I have 11 fans and I make $5 a fan.
17:48 Speaker 03 And I started about, I would say, about like a month ago, actually.
17:54 Caleb Hammer? Oh, Disney, here we come.
17:57 Caleb Hammer? How are the, how do those 11 people even find you, those freaks, by the way?
18:01 Speaker 03 I'm on Instagram, Reddit, and X.
18:03 Caleb Hammer? Yeah, it's the Redditors.
18:05 Speaker 03 Oh, 100%, yeah.
18:06 Caleb Hammer? Oh, it's the [bleep] Redditors.
18:08 Speaker 03 And I actually just made a Snapchat as well, so that I can make a...
18:14 Caleb Hammer? Make what?
18:15 Speaker 03 Like, there's so pictures on there, like people...
18:17 Caleb Hammer? See, a paid pic?
18:18 Speaker 03 Yeah.
18:19 Caleb Hammer? Ah, okay, nope, whatever, nope.
18:22 Speaker 03 It's free, it's literally, what is it?
18:23 Caleb Hammer? We don't king shame, I mean, I do king shame, but we don't king shame, uh, except I do, but...
18:29 Speaker 03 Just a little bit.
18:30 Caleb Hammer? Okay. Well, you're not making life-changing money off of that, what is that, 55 bucks?
18:36 Speaker 03 Oh, right now, yeah.
18:37 Caleb Hammer? Before they're cut, before the platform's cut?
18:40 Speaker 03 A little bit.
18:42 Caleb Hammer? I don't see how that gets us to, okay, first of all, Disney is the person we want living on your property with all the children, the foot whore? Just throwing that out. And second, how much does this Disney property cost? So help people get to their goals, I don't care what it is, kind of, sometimes. What?
19:03 Speaker 03 I actually did look it up, I went and priced it all out, because I knew you would need it. I did, I took the time, I did. And for the specific one I'd want, it would cost me either $35,000 to $35,250, or...
19:19 Caleb Hammer? For what?
19:20 Speaker 03 For, for the vacation plan, that's the price of it.
19:25 Caleb Hammer? Time share?
19:26 Speaker 03 It's like a time share, kind of, but like, not, Caleb, it's not, it's like, not.
19:30 Caleb Hammer? Disney time shares are known for being one of the actual halfway decent better ones. I will say that, but still, $35,000 is insane.
19:38 Speaker 03 This one, Caleb.
19:39 Caleb Hammer? Well, tell me what else it says.
19:41 Speaker 03 So, for that, and which is with the specific points that I think I would need for my solo self, or I can take that price, or it's $433 a month for 15 years with a 10% down payment.
19:58 Speaker 03 And then it's only-
19:59 Caleb Hammer? Why? What the [__] You work literally- A general manager at a chain restaurant is not a bad job, but it's also not like the job where you're gonna be in Florida every five days. What the [__] This is expensive.
20:12 Speaker 03 Oh, you're right.
20:12 Caleb Hammer? This is insane. The insanity expensive, honestly, for what your position is.
20:16 Speaker 03 The point to the vacation plan is because my family, we go to Disney a lot. My mom is-
20:20 Caleb Hammer? Wow, how do you have this time? What is your pay- huh?
20:23 Speaker 03 My mom.
20:23 Caleb Hammer? Congratulations. How do you have this time, you dumb [__]? What are you talking about?
20:27 Speaker 03 I take the time off work. We just-
20:28 Caleb Hammer? Well, there you go. How much time do you- are you allowed to take off of work?
20:30 Speaker 03 As long as I have the coverage and I meet my certain amount of hours for my pay period.
20:35 Caleb Hammer? What is your certain amount of hours for your period period?
20:37 Speaker 03 I make eight, uh, no, it's a hundred. Sorry. I- he just increased it from-
20:42 Caleb Hammer? A hundred hours a month? That's it?
20:44 Speaker 03 No, a hundred mon- a hundred hours every pay period, so every two weeks, so two hundred-
20:48 Caleb Hammer? Oh, for [__] sake, how do you take vacations and that? That's insane. That's more than forty hours a week.
20:51 Speaker 03 Yeah, I- I'm contracted fifty hours a week in store and then ten outside for marketing.
20:56 Caleb Hammer? That's crazy. How in the world do you then have time for vacation?
21:02 Speaker 03 I make the time.
21:10 Caleb Hammer? You just don't get paid?
21:11 Speaker 03 No, I do. So like-
21:12 Caleb Hammer? What? That doesn't make sense.
21:14 Speaker 03 Our Disney trip we just took, I had- I had a week's vacation because we get one paid week off a year. So I saved my week off for that.
21:21 Caleb Hammer? That's not a good job.
21:23 Speaker 03 It- it's a newer comp- because he's franchise. I work for a franchisee, so-
21:27 Caleb Hammer? Girl, this is a new company.
21:30 Speaker 03 I understand he-
21:31 Caleb Hammer? At minimum, the financial audit team gets a month off a year.
21:35 Speaker 03 But we also-
21:35 Caleb Hammer? It's four weeks, one a quarter.
21:36 Speaker 03 We make our schedules so that we can take this time. Like, me coming down here, I was able to take two and a half days off and still make my whole, like, I'm working sixty hours still this week.
21:45 Caleb Hammer? Okay.
21:45 Speaker 03 Even though being here, so-
21:46 Caleb Hammer? Okay.
21:47 Speaker 03 I make it work.
21:48 Caleb Hammer? Okay.
21:49 Speaker 03 The reason I say that-
21:49 Caleb Hammer? So how many- how much can you spend in Disney a year for this thirty-five [__] thousand hours plus ongoing maintenance bullshit forever?
21:56 Speaker 03 I mean, like, a year, the dues are, like, thirteen hundred.
21:59 Caleb Hammer? I'm gonna die. And then, actually, and then you don't get Disney tickets with that, do you?
22:03 Speaker 03 No, no, that's-
22:04 Caleb Hammer? Ha, ha, ha! So how the [__] are you- what are you-
22:10 Caleb Hammer? Who is this? Is this him or her? Uh, I just got your furry.
22:14 Speaker 03 Oh, yeah.
22:17 Speaker 03 We're not gonna say her name, but yes, she's amazing. I love her.
22:20 Caleb Hammer? Yeah, no plugs, which I'm also plugging your real name. There it is, ladies and gentlemen.
22:25 Speaker 03 Love her.
22:26 Caleb Hammer? If that just made you come, please let me know in the comments below, so I can shame you.
22:32 Speaker 03 Working on a full body art soon.
22:36 Caleb Hammer? Okay.
22:41 Caleb Hammer? Sure. So how many weeks do you spend at Disney, a year of which you would have to pay to travel for? About a four hour flight from Michigan, if I'm not mistaken, three to four. So that plus tickets, plus food, plus maintenance fees, what the are we even talking about? This is insane for your type of position. No offense to that type of position. It is not necessarily bad, but with one paid vacation a year, what the are we doing? What the are we doing? How much time can you actually spend down there a year?
23:08 Speaker 03 I don't want to actually go every single year.
23:10 Caleb Hammer? What the you're spending 35,000 hours plus these endless maintenance fees to not go every single year?
23:15 Speaker 03 The point stack up and move over to every to like the next year. So my plan is that I'll have this for every year and I'll save up the
23:23 Caleb Hammer? How about you just go to Disney every other year?
23:25 Speaker 03 That's the point. Yeah.
23:26 Caleb Hammer? No, without this dumb stupid ass.
23:30 Speaker 03 Because this vacation plan lets me travel to any of the Disney vacation properties as long as they have availability in that resort I want to go to.
23:38 Caleb Hammer? Pay for that individually.
23:41 Speaker 03 But I'd rather have a place to just do it at and like this. This is like my retirement investment like
23:48 Caleb Hammer? Investment? What are you talking about investment? You don't know what the word investment means. You're talking about investment. This isn't an investment. Do you have investment? You're almost 30. Girl, you're acting like you're five. What are you doing?
23:58 Speaker 03 This is my retirement. This is what I want to look forward to, to sit down and actually like look forward to and my in my life, like look to do each time like this is like people take time to go do, go out and travel all these places. I want to do that.
24:14 Caleb Hammer? Best the YouTubers.
24:15 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now, then this is a job for Indeed sponsored jobs.
24:44 Caleb Hammer? Out there Papa got and his wife are big Disney adults and I love them for that. That's great. I also, I mean, I like Disney. I watch Disney, whatever. And I would love to go again. They want to do some dumb shit like this and they go like every year. Just go pay for the ticket, pay for the travel and go instead of being locked in forever. This subject matter can be hard to digest, but for most Americans, their personal financial situation is the hardest subject to approach and manage. But with the Dollar Wise Budgeting App, you can finally take control. And since there's a free trial, you can see for yourself. Get a full picture, automate your budget, get powerful insights and set real goals that
25:26 Caleb Hammer? change your life. Stop with the over complicated budgeting apps like Y N A B that no one can figure out. No more being told what to do with Ramsey's Every Dollar. End up being sold a mortgage with Rocket Money and don't let private equity own you with Monarch. Take the change you need with a budgeting app that was built for people like you, by people like you. Go to dollarwise.app or click the link below to start your free trial. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamers Subs at home for just 40 cents a serving. Honestly, it literally tastes
26:09 Caleb Hammer? better and we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and fatter.
26:14 Speaker 05 The number one ranked energy drink is.
26:18 Speaker 06 Literally the cherry flavor is insane.
26:21 Caleb 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.
26:31 Speaker 03 I could sell it if I ever don't want it, but I am, I am a, I love Disney. My family loves Disney so much. I truly see that I will always go.
26:39 Caleb Hammer? Yeah, except you're saying you won't even go every year.
26:41 Speaker 03 I may not go every single year right now because I can't afford it. That is the point. At some point, I may want to go every single year.
26:46 Caleb Hammer? So when you don't have enough money to go, how do you go? Because there's no way you have enough money to go because this completely across the board bullshit. In fact, I'm being told mommy covers you a lot of the time and that you say you'll pay mommy back.
26:58 Speaker 03 Yes, I have a, I have a.
27:00 Caleb Hammer? So you lied.
27:01 Speaker 03 None of this.
27:01 Caleb Hammer? You're a liar.
27:02 Speaker 03 No.
27:02 Caleb Hammer? You said you don't just go, but you do just go. Your mother pays for it.
27:05 Speaker 03 If my mom wants us all to go as a family, she will pay for us to go.
27:09 Caleb Hammer? How frequent is that?
27:10 Speaker 03 Every couple of years.
27:11 Caleb Hammer? Yeah, but you owe her back?
27:12 Speaker 03 No, so I'll.
27:13 Caleb Hammer? Why do I have a note when you do not have enough mommy pays for it and you have to pay her back?
27:17 Speaker 03 On the credit card. So if we go on the trip and it's like this last trip we went on, she has a credit card for me that I'm allowed to use on any purchases that I either need emergen- typically it's for emergencies when I'm at home, actually, like, you know, anything emergency wise I just desperately need in a moment, which, you know, I love her for that and I pay her back immediately for.
27:36 Caleb Hammer? Why are you in that position?
27:39 Speaker 03 Because I'm fucked up my finances.
27:41 Caleb Hammer? How?
27:42 Speaker 03 Because I was stupid in my twenties and just wanted to blow money.
27:45 Caleb Hammer? You, you're almost thirty. What do you mean stupid in your twenties? You mean right now?
27:47 Speaker 03 My low twenties, let me clarify.
27:48 Caleb Hammer? But then you shouldn't be struggling to pay for a utility payment right now.
27:52 Speaker 03 Well, not utilities, so she.
27:53 Caleb Hammer? Something as general as that shouldn't be the concern right now from a little bit of messing around and spending some money in your early twenties. What are you talking about?
28:00 Speaker 03 Yes.
28:03 Caleb Hammer? Yes, okay.
28:04 Speaker 03 She, she has, she has the cards. She has one for all of us, all of her kids. I have two other siblings. She has one for all of us. Just for security so that we know, she knows if we ever need anything, it's there. I don't use it unless I actually need it. On the trip to Disney this year, she told me that if I ran out of money and I was gonna feel like I was gonna have less of a fun time there.
28:24 Caleb Hammer? Oh my goodness, so she's the queen of enablement for her child daughter. Dude, you're almost thirty. You're literally acting like you're seven. What the is this? And it's disgusting that she enables this. This is crazy. What? No wonder he left you.
28:40 Speaker 03 I left him, hello?
28:41 Caleb Hammer? I know, I just can't believe it. Blows my mind, blows my.
28:45 Speaker 03 You should see him. He was, I met him, he was living under his mom's roof paying two hundred dollars a month.
28:49 Caleb Hammer? Yeah, you're both great, okay? You're both great.
28:53 Caleb Hammer? What the are we talking about?
28:55 Speaker 03 Listen, out of all, out of all my mom's kids, I would say I'm a better one.
29:02 Caleb Hammer? A better one?
29:03 Speaker 03 I am the better one.
29:04 Caleb Hammer? Well, that means she's a complete failure of a mother.
29:08 Speaker 03 I love my mom and she's not like that.
29:09 Caleb Hammer? No, I'm sure you love her and I'm sure she's a nice person in general, but it sounds like a failure of a mother. If the literal woman child is the best one, the are we talking about?
29:19 Speaker 03 I think just all of us kids have just made different decisions.
29:23 Caleb Hammer? Yeah, and being enabled by mom, no?
29:28 Caleb Hammer? I think we should call your mom.
29:30 Speaker 03 No, she has meetings all day long.
29:32 Caleb Hammer? Oh, convenient.
29:34 Speaker 03 She does. She works really busy on Wednesdays and she's going into her busy season for work, so she has to.
29:38 Caleb Hammer? Hmm.
29:39 Speaker 03 She does.
29:40 Caleb Hammer? Mm hmm.
29:41 Speaker 03 Yeah, it's her only day on office. She usually works from home.
29:43 Caleb Hammer? Great. What a day for you to come down. She's obviously completely enabling you and the whole kids.
29:50 Speaker 03 I mean, you, you say that, like, why he left me. I mean, in reality, since I left him, he cheated on me, like.
29:55 Caleb Hammer? Huh?
29:56 Speaker 03 He cheated on me, like, I didn't trust him. He was a man-child, like.
30:00 Caleb Hammer? He cheated?
30:01 Speaker 03 Oh, yeah.
30:02 Caleb Hammer? How'd you find out?
30:03 Speaker 03 Oh, I found it through his phone. We were.
30:05 Caleb Hammer? What did he do?
30:06 Speaker 03 He was sexually messaging another female online.
30:09 Caleb Hammer? Okay, why do you say that like an incel? Sexually messaging another female online?
30:15 Speaker 03 Because I don't, I don't like it. I hate cheating. I hate cheating so much.
30:18 Caleb Hammer? Okay, I don't like cheating either. Sexually messaging another female online?
30:23 Speaker 03 Okay, I have to say it like that because he has told people that all he did was flirt with somebody and that is not what happened. No, he was specifically sending sexual content.
30:34 Caleb Hammer? He, he sent cock. Cockies and ballsies?
30:37 Speaker 03 No.
30:38 Caleb Hammer? What other sexual content is there for?
30:40 Speaker 03 Discuss more in the post-show. That's a little bit.
30:41 Caleb Hammer? Why can't you say it, you fucking bitch, dude?
30:43 Speaker 03 Because I was, I was, he's cheating. You asked, what do you mean?
30:45 Caleb Hammer? Oh, my gosh. Okay, the ultimate post-show teaser this episode is.
30:48 Speaker 03 I know. Sorry.
30:49 Caleb Hammer? Oh, I get it. Some people want to save some privacy stuff for the post-show, so make sure you click that join button. Join Hammer Elite, the best membership on YouTube, number one. So why didn't you just at least just leave him earlier? Why'd you, why'd you wait until he moved the rest of the country for you? State, sorry.
31:04 Speaker 03 Because when we were together and when I found out he was cheating on me, I was 450 pounds.
31:11 Speaker 03 I know.
31:11 Caleb Hammer? How fat are you now?
31:13 Speaker 03 I am, uh, weighed myself before I left, it's 165.
31:16 Caleb Hammer? Well done.
31:17 Speaker 03 Thank you.
31:17 Caleb Hammer? Wait, hold on, how, how, how fat were you?
31:19 Speaker 03 Uh, 450 is what.
31:22 Caleb Hammer? When was that?
31:24 Speaker 03 Um, my first appointment that said that was April 2023.
31:28 Caleb Hammer? Oh, good. That's crazy. Show me. Show me. I, I've got, we all have to see this. Throw the picture up on the screen. That's crazy. Listen, that is a little bit of encouragement that. Oh yeah, you were a fat.
31:42 Speaker 03 Yeah. Oh, yeah.
31:44 Caleb Hammer? I can say that.
31:44 Speaker 03 My whole life. Oh, and I say it all the time.
31:47 Caleb Hammer? Look at this. That's, that's horrendous.
31:51 Caleb Hammer? Uh, in fact, I would say disgusting.
31:52 Speaker 03 Yeah, no, 100%. I was disgusting.
31:54 Caleb Hammer? Cause you know that was stinky.
31:55 Speaker 03 No, 100%. I was gross.
31:57 Caleb Hammer? This was stinky.
31:57 Speaker 03 I will full admit, like, I was disgusting.
32:00 Caleb Hammer? I wouldn't have.
32:01 Speaker 03 I was disgusting. I hated my life.
32:03 Caleb Hammer? Hopefully there's nothing else in there. I just swiped the full photo album.
32:05 Speaker 03 Uh, probably nothing.
32:07 Caleb Hammer? Now that we know you're goonin', well, I gotta be careful. Yeah, yeah, yeah. I wouldn't have guessed in the 400 saying that, but jeez, that is crazy. Yeah, you bulked up. You were hanging like 10 heads down here.
32:19 Speaker 03 Yeah, I was, I was really big. I.
32:21 Caleb Hammer? That shows that there is potential behavior change you're able to implement. I don't understand why you haven't done it for your finances. If you have this big Disney dream, I feel like not getting, I feel like getting extra income through, you know, pissing on your feet or whatever on camera, isn't what's gonna be what changes your life. I feel like implementing the same behavior changes that you did with your diet and whatnot. With your finances, similar, I know it's not gonna translate one to one, but implementing something similar is what gets you to your goal. Why haven't you done that?
32:49 Speaker 03 It's one step at a time with me. I can't, I can't do a lot of things.
32:52 Caleb Hammer? Sure, but you're no longer fat. When have you not been fat?
32:54 Speaker 03 Um, I would say.
32:56 Caleb Hammer? Cause you didn't just all of a sudden like snap and you were there this month.
33:00 Speaker 03 No, I mean, I, so I had the surgery in November 2023.
33:03 Caleb Hammer? Oh, you did, uh, gastric bypass?
33:07 Speaker 03 Uh, bariatric sleeve.
33:08 Caleb Hammer? Yeah, sure.
33:10 Caleb Hammer? Good. Yeah, that's a
33:12 Speaker 03 So
33:12 Caleb Hammer? OZOzempic.
33:13 Speaker 03 Yeah, kinda, yes.
33:15 Caleb Hammer? OZOzempic, yeah.
33:16 Speaker 03 Pretty much. Um, but yeah, I did change my whole lifestyle, but for me to handle doing two separate things like that at the same time.
33:23 Caleb Hammer? When does that first one end so the second one can start?
33:26 Speaker 03 Now, we're gonna start now.
33:27 Caleb Hammer? But you weren't just all of a sudden from fat to not fat in like a snap of the finger two months ago.
33:32 Speaker 03 But then I've been working a lot and which has been helped the weight loss has been great for me.
33:36 Caleb Hammer? I'm sure, and you work at a healthy place, it sounds like as well.
33:39 Speaker 03 Amazing. Highly recommend.
33:41 Caleb Hammer? No.
33:41 Speaker 03 Yes.
33:43 Caleb Hammer? Asiago bowls? I'm okay.
33:44 Speaker 03 Acai.
33:45 Caleb Hammer? Yeah, one of those. I don't need that shit.
33:49 Speaker 03 Very good for you.
33:49 Caleb Hammer? Well, what the fucking is an asiago?
33:52 Speaker 03 Acai. It's a Brazilian berry.
33:55 Caleb Hammer? Oh!
33:56 Speaker 03 It's really good.
33:57 Caleb Hammer? Give me my freedom. I want, I want blueberries. I want strawberries.
34:02 Speaker 03 We have those too.
34:02 Caleb Hammer? Apples. Fuck your Brazilian berries.
34:04 Speaker 03 I have a, I have a
34:05 Caleb Hammer? I've read white and blueberries. Thank you very much. Thank you very much. So is your ex gonna be able to pay his bills when you leave? He seems very dependent on you or you dependent on him?
34:18 Speaker 03 I don't
34:18 Caleb Hammer? What does he do?
34:19 Speaker 03 He, he's a warehouse simply for a, um, a track company.
34:23 Caleb Hammer? But he draws the, the furry content as well? Does he make money off of that?
34:27 Speaker 03 He's trying to. He just got into. I've been trying to get him to do it for a long time, like last, not this last
34:32 Caleb Hammer? He into furism?
34:33 Speaker 03 Yeah, that he's the one who got me into it.
34:35 Caleb Hammer? Oh, he got you into it?
34:36 Speaker 03 Yeah.
34:37 Caleb Hammer? Great. Okay. Well, you're not making off all this extra stuff. So I don't, why are you putting your energy towards that where you could be more productive and just go get a second job or something? Which I don't even, I don't even think you have the hours for, I'll be honest, but really, is that what you want to be known for? Prost himself online?
34:52 Speaker 03 It's all on a separate persona, in a separate life.
34:54 Caleb Hammer? I know, but it is still you.
34:56 Speaker 03 I don't care. It's my feet. I don't care.
34:58 Caleb Hammer? Okay.
34:59 Speaker 03 It's not like I'm showing a face or
35:00 Caleb Hammer? Well, why don't you go do something more productive with your time and make more money? Cause you're not doing well.
35:04 Speaker 03 I'm also not very like pushed toward it.
35:07 Caleb Hammer? Yeah, but 55 bucks a month, like is that even worth it?
35:09 Speaker 03 Not right now, but I see that it through time, through actual, cause it's newer. So, you know, it's not gonna blow up instantly. I gotta take the time to put in the marketing and the effort to be able to make, to put Push it out there. So that's why I made the Reddit and the X and the Snapchat so I can start pushing it more.
35:26 Caleb Hammer? Oh, you got a message today asking for you to step on a cake.
35:29 Speaker 03 Yes, they asked me to bake a cake for them, like videotape me making the cake in my hands.
35:33 Caleb Hammer? That's gonna cost more than like half your monthly subscriptions is to bake a cake.
35:37 Speaker 03 I have cake stuff at home. I bake all the time, so it wouldn't, it wouldn't be anything on me.
35:40 Caleb Hammer? Well, is that good for you?
35:42 Speaker 03 I do like gluten free, healthy stuff and or I'll take it to my work and my, my teenagers that work love it.
35:48 Caleb Hammer? Teenagers?
35:49 Speaker 03 I manage a, um.
35:50 Caleb Hammer? You have kids?
35:51 Speaker 03 No. No, just for children.
35:54 Caleb Hammer? But you just got cracked last week.
35:56 Speaker 03 Yeah.
35:57 Caleb Hammer? Could happen soon. But in Michigan, you can get rid of it, so.
36:03 Speaker 03 Safety again.
36:04 Caleb Hammer? Uh, yeah, we'll see how long you do that, though. How many times do people hook up with each other and tell us that condom is no longer there?
36:12 Speaker 03 Well, I don't think I'll be seeing that one again, so.
36:14 Caleb Hammer? Why? Cause you have an issue with every man? Cause it's always their fault?
36:18 Speaker 03 No, I just didn't enjoy it and so I just won't go again.
36:20 Caleb Hammer? Yet you stay the night and the whole next day.
36:23 Speaker 03 Yeah. He's a nice person. I just didn't enjoy what I went there for.
36:28 Caleb Hammer? Okay. Oh, wow. The ex hasn't even told his parents that they broke up.
36:32 Speaker 03 I don't think so. So he, he keeps telling me he told his mom, but.
36:37 Caleb Hammer? Your hookup was three hours away? This is that's crazy. What, what the, we're driving three hours to, what are we doing?
36:43 Speaker 03 Yeah, I may have done that.
36:44 Caleb Hammer? Again, more productive with our time. That's what I am saying. We could pay to get to your end goal here. Driving three hours to get some penis?
36:53 Speaker 03 I know.
36:54 Caleb Hammer? What?
36:54 Speaker 03 It wasn't my best decision.
36:55 Caleb Hammer? Where was it? Chicago?
36:56 Speaker 03 No, uh, northern like by Traverse City.
36:59 Caleb Hammer? Oh my goodness, you went almost to the UFP, the Upper Peninsula.
37:02 Speaker 03 Yeah.
37:02 Caleb Hammer? Just for some, there's like five people up there. Why can't you get in Grand Rapids?
37:06 Speaker 03 I definitely could. You're right. You're right. Just in the moment, he intrigued me and.
37:11 Caleb Hammer? He intrigued you enough to drive three hours? Listen, as a whore and someone that likes to come, I've never driven more than 30 minutes to.
37:18 Speaker 03 As somebody who has been in the dating world as a bigger person.
37:20 Caleb Hammer? I've made people drive well more than 30 minutes, but.
37:23 Speaker 03 As somebody who has been bigger in the, in the dating world.
37:26 Caleb Hammer? Yeah, you were fat.
37:27 Speaker 03 I have.
37:28 Caleb Hammer? You got skin flapping around in the wind?
37:30 Speaker 03 A little bit, yes.
37:31 Caleb Hammer? Okay. Yeah, I guess not everyone's.
37:32 Speaker 03 So I have a lot of anxiety when it comes to being like that. So.
37:35 Caleb Hammer? What? So how did, so going three hours with the potential ew when he sees you is less anxious than being able to just turn around and drive five minutes back home?
37:43 Speaker 03 I think with him being so far, if, if he says ew and I can go home.
37:47 Caleb Hammer? Guilt tripped?
37:48 Speaker 03 No, no, no, no. No, I think it's more like if he didn't enjoy it and I, and it, and you know, I drove the three hours.
37:55 Caleb Hammer? Is he attractive?
37:57 Speaker 03 No.
37:57 Caleb Hammer? Why the, did you fuck a non-attractive guy?
38:00 Speaker 03 Cause of what he said he would do to me.
38:02 Caleb Hammer? What did he say to do to you?
38:05 Speaker 03 I have a kinky lifestyle.
38:06 Caleb Hammer? Tell me.
38:07 Speaker 03 I am a submissive. I like to be dominated and.
38:10 Caleb Hammer? Okay, welcome to every woman, like 98%.
38:13 Speaker 03 But I have been in relationships where not. My ex is not like that, so I would.
38:16 Caleb Hammer? Ex is a pussy?
38:17 Speaker 03 Ex is not a man, no. What?
38:21 Caleb Hammer? Spider, I killed it.
38:24 Speaker 03 You can't do that to me.
38:25 Caleb Hammer? I absolutely can. A spider was crawling down my mic. Okay, show me a picture of your ex. It's not gonna be on screen. I just need to see what this creature looks like that was with a 650-pound woman.
38:38 Caleb Hammer? Hey, that's what happens, right? Every time someone lose weight from gastric bypass, they always leave. They always leave. You're the lever and the unique kink of a woman being submissive. Never heard of.
38:50 Speaker 03 Not even that, it's just being with somebody who isn't.
38:53 Caleb Hammer? Yeah, dominant. Who would've thought? What the? Can I swipe?
38:57 Speaker 03 Yeah, of course.
38:58 Caleb Hammer? Cause I wanna see like more of him. Oh geez, he's just like a fucking nerdy little gamer guy, but he's like normal. He's not a bad-looking dude.
39:06 Speaker 03 No, he's a great guy. I don't get my wrong.
39:10 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
39:40 Caleb Hammer? Okay, show her the hookup.
39:43 Caleb Hammer? How much are you investing into your OF by the way? So that's your future. I mean, I'm being told you're ordering custom latex bullshit and all this crap.
39:52 Speaker 03 I want to order these custom.
39:54 Caleb Hammer? How much is that gonna cost making $55 a month?
39:57 Speaker 03 It'll be like 150, but I'm gonna save up for it. I wouldn't pay, like, I wouldn't do it until I'm ready to do it. That's him.
40:03 Caleb Hammer? Oh. Yeah, though, yeah. He is what 50% of men have looked like on Financial Audit.
40:10 Speaker 03 He's what I call a morbidly obese.
40:11 Caleb Hammer? Trucker hat, big beard that is unkept.
40:14 Speaker 03 Yeah.
40:15 Caleb Hammer? Ew. Okay. Well, good for him. I guess he has some vagina. Okay, well, what do you think your financial score is? 0 to 10, 0 being horrendous, 10 being incredible.
40:29 Speaker 03 I would say a 1.
40:30 Caleb Hammer? Okay, sounds reasonable. If you want your Hammer Financial Score, see where you stand in the world of money. It is free. Take the assessment. It just takes a few minutes at CalebHammer.com. You can see where you suck, what you need to do better, and where you're already doing pretty good. So see where you stack against most Americans and where your finances are. And if you don't want to be like a guest who ends up on the show, and you shouldn't be, then download the Dollar Wise Budgeting App. New features being added every single month. In fact, at the time of this video coming out, likely, we had our massive relaunch, and if not, it's about to come out in like a week.
40:58 Caleb Hammer? Guys, it's gonna be incredible. It's gonna be the budgeting app of the future. Just take the free trial, Dollar Wise, that app or link in the description below, and only through the end of March and then gone forever. If you sign up for the annual version, which most people do because you save 50%, I will sign my budget-friendly cookbook and mail it directly to you. Only available through the end of March. Get it now, and it's going away forever. Let's jump into these numbers.
41:24 Caleb Hammer? So what'd you make last month?
41:25 Speaker 03 Probably it would have been a little short because it would have been before my raise, so probably like 20, 35, maybe 34?
41:33 Caleb Hammer? 38. Did you work extra hours? Did you get paid if you worked more?
41:36 Speaker 03 Oh, I probably got tips. So we, um, if I work alone in the store and there's tips going through the system, I make those tips, but if I work.
41:43 Caleb Hammer? People getting their Brazilian berries? Why are they doing that? Okay, and how much did you spend?
41:48 Speaker 03 Hmm, probably like thirty seven?
41:53 Caleb Hammer? Three thousand seven hundred seventy nine hours and fourteen cents, basically everything you made, certainly more than you normally make on a monthly basis, but only a couple hundred bucks, a little more normal than most, you know, a little better than the average financial, I'd guess, but still horrible.
42:06 Speaker 03 I didn't look over at four because I thought it was gonna be a lot more.
42:08 Caleb Hammer? Still horrible, though. And you do not get to your goal. You do not get to the ultimate Disney goal with that. And again, take away the OF and you don't even make that. You don't even break even.
42:21 Caleb Hammer? Where's it all going?
42:22 Speaker 03 Um, expenses, like rent and stuff like that. Um, my car payment's pretty high. Um, my personal loans are a little bit up there and then probably, you know, I got, I got my, my Sprite, my Sprite habit that, that doesn't die. So, you know, can't have too much sugar or caffeine, so Sprite Zero is my love.
42:42 Caleb Hammer? Why don't you just print on Sprite Zero, you dummy?
42:44 Speaker 03 A lot.
42:45 Caleb Hammer? Okay, dude, just make whatever like the lemon lime flavor is from gamer subs. Just make it at home. It's zero calories, it's a hydration drink, it's just as good and it's forty cents a serving. You can get your free samples with code CALEB, see what flavor you like and then get the flavor that you want in bulk, forty cents a serving. No more stopping in and getting some bullshit, spending hundreds on Sprite Zero. I mean, there was minimum five hundred dollars on bullshit last month, minimum five hundred dollars.
43:14 Speaker 03 Yeah, probably because I was probably preparing for the Disney trip too or for our move, so it's probably just bullshit spending.
43:20 Caleb Hammer? When was the Disney trip? Or when is the Disney trip?
43:23 Speaker 03 Beginning in December.
43:25 Caleb Hammer? So you just got back?
43:26 Speaker 03 Yeah, we just got back.
43:27 Caleb Hammer? In the move? The move already happened.
43:29 Speaker 03 The move happened in November.
43:30 Caleb Hammer? So you're not preparing for the move? What the are you talking about preparing for the move? Your move, your move was in November, this is last month, this is December. What are you talking about?
43:38 Speaker 03 I believe you have documents from October.
43:39 Caleb Hammer? That's true, that would be so far back. Why?
43:43 Speaker 03 I applied.
43:44 Caleb Hammer? No, it's November, you dumb. Shut up. You don't even know what you're talking about.
43:48 Speaker 03 I just couldn't remember which one I sent you.
43:50 Caleb Hammer? Well, it still matters. Like, again, you say you don't borrow from your mom and then I call you off for borrowing from your mom and I'm like, oh, I borrowed from my mom. So it's like, don't try to lead astray. It's like, oh, it's kind of been done. This was the month right before moving. Oh, wait, oh, it is actually, uh, once we moved.
44:05 Speaker 03 But then it would still be, because they're still moving expenses, because we just moved.
44:08 Caleb Hammer? Hey, moving expenses isn't bullshit. I called bullshit out, not moving expenses.
44:13 Speaker 03 Bullshit could be moving expenses.
44:14 Caleb Hammer? Probably not going out to eat, doubt.
44:17 Speaker 03 Yeah.
44:17 Caleb Hammer? I've moved across the state of Michigan. It ain't that big. Pretty short move.
44:24 Caleb Hammer? Not crazy.
44:25 Speaker 03 No, it was only about three hours.
44:26 Caleb Hammer? Uh huh.
44:27 Speaker 03 Wasn't bad.
44:28 Caleb Hammer? Nope. So going Austin or Dallas, and it's barely even an inch in the state. So that's nothing. So fi- you know, 500 dollars in bullshit isn't just going from east to west of Michigan. So have you looked at what your rent's about to be, once we move out, if you can move out?
44:43 Speaker 03 I have looked at, um, different places around the area, because I knew you still stay local due to my job.
44:47 Caleb Hammer? Um, no shit.
44:48 Speaker 03 Well, okay, listen, some people can move around. I can't. Um, so, um, it's probably going to range between like 900 to about 1,200.
44:57 Caleb Hammer? Well, again, in your income, that's not necessarily horrible, but when we get all your debt together, how much debt do you have?
45:03 Speaker 03 Total of student loans, probably around like 40 to 50,000 dollars.
45:06 Caleb Hammer? 50? 50?
45:09 Speaker 03 With the car and everything, yeah.
45:10 Caleb Hammer? And there's a crap ton of just individual debts leading up to the student loans. Student loans are only 14 of that 50. The rest is just horrendous, bad, disgusting, horrible debt.
45:20 Speaker 03 Yeah.
45:21 Caleb Hammer? Yeah. So how are you gonna move out and afford a place of your own? How are you gonna, and then are you gonna him over?
45:26 Speaker 03 No, I would make sure that he's like, okay, like, we would, we would.
45:29 Caleb Hammer? Make sure he's okay by giving him extra money?
45:31 Speaker 03 No, I would talk to him and be like, hey, if you can't afford it, you need to move out.
45:37 Speaker 03 Or if-
45:37 Caleb Hammer? You're gonna cover that whole place? What is it gonna be, fourteen hundred?
45:39 Speaker 03 Fourteen hundred.
45:40 Caleb Hammer? Okay. Uh, that while adding all this debt that you prob- you're not even making progress on, while spending more than you make, while spending hundreds on bullshit on a monthly basis, how are you paying for fourteen hundred?
45:52 Speaker 03 I'm gonna have to figure it out. I'm gonna have to really push my only [BLEEP] start really-
45:56 Caleb Hammer? Oh, girl, who the [BLEEP]? Okay. I'm glad you got a couple sign-ups. Thing hasn't grown with more than like a couple hundred a month, dollars.
46:04 Speaker 03 Be something to help toward the debt, won't it?
46:06 Caleb Hammer? Yes, but I would rather refocus your energy to something more productive that brings in more money.
46:11 Speaker 03 With my job, it's too demanding. I can't. I've already tried. When I moved out the first time from my ex a year ago, I worked for Domino's as a delivery driver, not at my store.
46:22 Caleb Hammer? Moved out a year ago?
46:23 Speaker 03 Yes, I moved out-
46:24 Caleb Hammer? Oh, you-
46:24 Speaker 03 February of twenty-
46:26 Caleb Hammer? Why'd you get back? What the [BLEEP]? What then?
46:29 Speaker 03 I got back because I thought we could work it out. I needed help financially, and so I moved back in, thinking we could work it out. We tried, and then it just didn't work because I couldn't trust him.
46:39 Caleb Hammer? Wanna know a dirty little secret? And no, I'm not starting an only [BLEEP]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get just to try it for free, plus three months for just nine ninety-nine. So you can finally take control and see what your money's been doing behind your back. Click below to get started. That's kinda [BLEEP] stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money.
47:24 Caleb Hammer? Free money, we like free money. You can get up to three hundred fifty dollars in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a three-point-five APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would've thought? That's incredible. Check it out, link in the description below. Sign up for chime, get-
47:46 Speaker 03 That $350 right now in your checking account.
47:49 Caleb Hammer? Okay, so you got a second job. Why can't you get a second job?
47:52 Speaker 03 Well, I did do the second job and it was draining. It was to the point-
47:55 Caleb Hammer? No shit. Welcome to working a shit ton, but you're you're taking care of the shit that you got yourself into. I don't care.
48:00 Speaker 03 And I was having to leave that second job to go back to my first one because I had to handle emergencies because I'm a general manager. Anything that happens in that store, I have to be there.
48:09 Caleb Hammer? Then is it the right job?
48:11 Speaker 03 Yes, because I love it.
48:12 Caleb Hammer? That's not the reason why it might be the right job.
48:15 Speaker 03 And it's the most I've ever made without having a degree.
48:18 Caleb Hammer? Yes, that is true, but you will be able to roll this general manager experience into something eventually.
48:22 Speaker 03 100% and no, I'm improving my LinkedIn and my Indeed even as we speak, like even last I was working on it.
48:27 Caleb Hammer? Well, how about your actual resume so you can apply to places, but even still, we had someone, general manager at Macy's or an assistant manager. She made like $70,000, like-
48:36 Speaker 03 Yeah, it's a smaller company where franchisee were growing and I don't know-
48:40 Caleb Hammer? And they're not entitled to you. Go make money with better vacation time and pay off debt better.
48:46 Speaker 03 It's something I can look into. I love the company just in general right now, so I'm willing to make a sacrifice now.
48:50 Caleb Hammer? I'm glad you like the company. It doesn't mean it's always the best. I liked Jimmy John's. I legitimately enjoyed being a delivery driver for Jimmy John's for what was it like four or five years? Doesn't mean I should obviously stay there. It's not the best for me.
49:03 Speaker 03 Yeah, but there's also about happiness. There's points where like you have to-
49:06 Caleb Hammer? And how happy are you not fulfilling your dream? How happy are you not being able to pay the rent when you're on your own? How happy are you to have all this debt, $34,678 in bad debt, including an additional $14,154 student loans of a degree you do not have? How happy are you with all that? I would suggest not. How happy are you when you try to go get a job to clean all this up? You have to get called in for the job that you are so happy about. How happy are you working 50 to 60 hours a week and only having one week off? Happy? Fuck you happy. You don't know happy. You haven't seen happy. That's not necessarily a slight against you, but I'm sorry, you haven't seen the sunshine on the other side of the fucking hill.
49:43 Speaker 03 Compared to the other jobs I have worked for?
49:45 Caleb Hammer? Yes, I agree, but we're always trying to move up. We don't just stay stagnant now because we have found the happiest so far.
49:52 Speaker 03 But I have to fix my resume to match to meet those qualities.
49:56 Caleb Hammer? That takes a half a day.
49:57 Speaker 03 I understand I'm a busy person. I haven't had the time.
49:59 Caleb Hammer? Busy person, you're taking feet pics. Shut the fuck up. You literally just stayed over at this nasty ass, morbidly obese, bearded, northern Michigan freak's house for over a day, three hours away, six hours drive total, staying overnight and calling Colton from there. Freak?
50:14 Speaker 03 He called me. Alright, we had the, we had the call on Friday and then he had to call me on Sunday.
50:25 Speaker 03 I'm not answering that.
50:26 Caleb Hammer? Was it worth the three hour drive?
50:28 Speaker 03 No, I told you no.
50:29 Caleb Hammer? Then what the fuck are we doing? You know that?
50:31 Speaker 03 I wouldn't know until I was out there, wouldn't I?
50:33 Caleb Hammer? No.
50:34 Speaker 03 I don't, I don't trade pictures like that.
50:36 Caleb Hammer? No, you ask how big.
50:37 Speaker 03 I didn't want to. I'm more of an in-person thing. I'm,
50:39 Caleb Hammer? What?
50:40 Speaker 03 I'm more of a-
50:41 Caleb Hammer? For a three hour drive, you didn't want to know if it was anything worth driving for? I don't, you don't need to see a picture.
50:48 Speaker 03 That's not-
50:49 Caleb Hammer? Now he might lie. I don't lie.
50:51 Speaker 03 Good to know.
50:54 Caleb Hammer? Not telling you.
50:55 Speaker 03 I don't need to know.
50:56 Caleb Hammer? Okay, listen, OF time, time to drive for micro dick bearded, morbidly obese, northern Michigan man, and staying overnight. You have time to make a resume.
51:05 Speaker 03 I need to make time to get my needs met.
51:07 Caleb Hammer? You know how you have time for your personal life, having a job that doesn't demand 60 hours a week, plus coming in for emergencies for only one week off a year, by fixing your resume and getting a better job, and then, uh-oh, you have more personal time to take penis in your holes.
51:21 Speaker 03 There's so many benefits to my job. Like, I make my own schedule, so I'm able to do these things.
51:28 Caleb Hammer? Girl, 60 hours a week, making your own schedule, yeah, I'd hope so, but there's not much flexibility in the 60.
51:34 Caleb Hammer? So what the fuck are you talking about?
51:36 Speaker 03 I make it work. I make the time work.
51:38 Caleb Hammer? Okay, great, okay, great. You are in delusion land. I'm glad it's the best you've ever had. I'm not saying this job is shit. It's a better job than a lot of people get. But you are in the world of delusion, thinking that you just can, you're not willing to spend a little bit of time on a resume. It's always, I will, not I have, or I do.
51:57 Speaker 03 I have been working on my resume.
51:58 Caleb Hammer? Oh, shut the fuck up.
51:59 Speaker 03 I have been.
52:00 Caleb Hammer? What is this? What is this CC bank loan?
52:03 Speaker 03 CC bank loan?
52:04 Caleb Hammer? Uh, yeah, that you borrowed $2,400 for with a total payment of $4,231. What is this shit?
52:13 Speaker 03 That was my personal loan I took out to move, the first time.
52:16 Caleb Hammer? To move? You to move from across the state? Hey, guess who moved?
52:21 Speaker 03 No, this was, this was to move out.
52:24 Caleb Hammer? Where is it?
52:27 Caleb Hammer? I did this, Yolanda.
52:30 Caleb Hammer? I did this personally, over and over again.
52:34 Caleb Hammer? Before I went down to Texas, a much better place.
52:36 Speaker 03 It wasn't for that move.
52:37 Caleb Hammer? I did that. What move then?
52:39 Speaker 03 To leave my ex the first time.
52:41 Caleb Hammer? Well, fuck you. Why did that cost $4,000?
52:46 Speaker 03 Because I needed it down by me. It was an immediate move, so I needed money.
52:49 Caleb Hammer? Hey, every single year of my life, except for the house I'm in, I've basically moved out every single fucking year.
52:54 Speaker 03 It wasn't.
52:54 Caleb Hammer? And I didn't borrow for it.
52:56 Speaker 03 It was an instant move. We broke up and I needed it.
52:59 Caleb Hammer? But why did it cost that much?
53:01 Speaker 03 Well, because I.
53:02 Caleb Hammer? And why didn't you have an emergency fund?
53:03 Speaker 03 Because I was dealing with a house issue at the time.
53:06 Caleb Hammer? Oh, always dealing with shit. Yeah. Well, no shit, you were dealing with health issues. You were morbidly obese.
53:11 Speaker 03 House issues, not health.
53:12 Caleb Hammer? What the fuck are you talking about?
53:13 Speaker 03 I used to have a mobile home that ended up getting destroyed and we ended up having to go through courts and stuff.
53:18 Caleb Hammer? Welcome to mobile homes.
53:19 Speaker 03 I know, it was rough. Oh, never again. It's all taken care of now. It's all off my, my heart. So I ended up being on the insurances thing and whatnot, but.
53:27 Caleb Hammer? Why did it cost this much money?
53:28 Speaker 03 Because I had to pay for, um, the, um, like the move-in fees and stuff like that. And then I got extra so that I could have like extra money for like expenses for like in case like I needed extra money for like bills and stuff.
53:44 Caleb Hammer? Extra money. The interest rate is 159.57%.
53:50 Speaker 03 Yeah, I didn't see that when I signed.
53:52 Caleb Hammer? What's the balance on this?
53:54 Speaker 03 Got a couple more payments on it. Probably like, I don't know, probably like
53:58 Speaker 03 three, $400 maybe.
53:59 Caleb Hammer? If it's a.
54:01 Speaker 00 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
54:30 Caleb Hammer? Few more payments, it's not a couple hundred bucks. I'm gonna say it's about 800. Let's be conservative. 800 to still pay, especially with interest. With minimum monthly payments, 211 hours and 58 cents, which is insanity.
54:45 Speaker 03 And that's bi-weekly.
54:47 Caleb Hammer? Then you immediately moved back in with the guy anyway, so I don't like, what the You took out a payday loan to move back in with him?
54:53 Speaker 03 Pretty much, yeah.
54:54 Caleb Hammer? And why'd you move out the first time?
54:56 Speaker 03 Cause he cheated on me and I didn't trust him.
54:58 Caleb Hammer? So that was the cheat? This most recent breakup wasn't the cheat?
55:01 Speaker 03 So it's all together, so...
55:03 Caleb Hammer? And his cheat was sending things that weren't private parts but were inappropriate, of which I guess we learned in the post-show, great. Was it his asshole?
55:11 Speaker 03 No.
55:12 Caleb Hammer? What the fuck else is there?
55:13 Speaker 03 Oh my god.
55:14 Caleb Hammer? What is there, Colton? Colton?
55:15 Speaker 03 It's a lot.
55:17 Caleb Hammer? Colton, you have body parts? What else is there?
55:20 Speaker 03 And this is something he didn't even know about.
55:22 Caleb Hammer? Men's nipples?
55:22 Speaker 03 When I told him, he didn't even know what it was.
55:24 Caleb Hammer? Was it even cheating, or are you just a crazy bitch? Hmm. I don't know.
55:29 Speaker 03 I've been cheated on a lot in my life, I know what cheating is.
55:31 Caleb Hammer? Yeah, but I don't know if you know what cheating is.
55:34 Speaker 03 If somebody gets a sexual arousal from the conversation and the videos and pictures that they get, I see that as cheating.
55:39 Caleb Hammer? That he get, but I thought you said he gave.
55:41 Speaker 03 Oh, he gave them too.
55:42 Caleb Hammer? What, pictures of cum?
55:43 Speaker 03 No, just...
55:44 Caleb Hammer? What else is there?
55:45 Speaker 03 Oh my god!
55:49 Speaker 03 My god!
55:50 Caleb Hammer? Okay.
55:51 Speaker 03 Ask me in the post-show, god.
55:52 Caleb Hammer? Okay.
55:53 Speaker 03 Yeah.
55:53 Caleb Hammer? That's nice. Listen.
55:57 Caleb Hammer? Did you guys have an established boundary that that was okay for him to do?
56:01 Speaker 03 No.
56:02 Caleb Hammer? Well, then yes, that would be bad.
56:03 Speaker 03 I had no idea, he didn't even do it until I found out, I saw, I was looking for music on his phone.
56:07 Caleb Hammer? He didn't do it until you found out?
56:08 Speaker 03 Or like, I didn't, he didn't tell me about it until I found, like, until I found it on his phone.
56:12 Caleb Hammer? That's okay, I mean, if you guys have the established boundary, they wouldn't need to tell you either, if that's a part of it, but regardless.
56:17 Speaker 03 None, I didn't even know about that.
56:19 Caleb Hammer? Many people have like, pro flirting boundaries, many people, there's a lot of things.
56:22 Speaker 03 Yeah, no, I understand there's open behavior, polyamory, like, all that kinda stuff flirting, it's like, I understand that. No, there, we're, we were completely understanding that we were completely monogamous in every single way, and, but he was still doing it.
56:33 Caleb Hammer? Even though you're both subs, that's great.
56:36 Speaker 03 Yeah.
56:37 Caleb Hammer? So what the this is insane. Have you ever missed the payment?
56:40 Speaker 03 No, it's auto draft. I have everything set up and I'll pay.
56:43 Caleb Hammer? But it's such a chunk because you just got a raise switching to the store. This is a huge percent. This is a big money.
56:49 Speaker 03 It's huge. And it's every two weeks.
56:53 Caleb Hammer? That's every two weeks.
56:54 Speaker 03 Yeah, the two eleven is every so it's like four twenty two every month.
56:58 Caleb Hammer? Yeah, four twenty three. Round it up.
57:00 Speaker 03 Yeah.
57:01 Caleb Hammer? That's crazy.
57:02 Speaker 03 Yeah, every paycheck it pulls it. As soon as I get paid, it's gone.
57:06 Caleb Hammer? That is crazy. Extra credit. It's a personal loan again. What is this for? Total interest paid year to date, three thousand dollars. This is a huge balance.
57:16 Speaker 03 Yeah, that.
57:17 Caleb Hammer? Sake.
57:18 Speaker 03 That is a consolidation personal loan I did with my bank.
57:21 Caleb Hammer? And how'd that work?
57:23 Speaker 03 I mean, I'm paying it off if they pull it from.
57:25 Caleb Hammer? Yeah, well, you built up your debt again. Exactly. Every fuck time. What's the point? Wait, that's your daily interest rate because you're actually oh, it's a it's a twenty percent interest rate. It's not even that better than credit cards, honestly. The minimum monthly payment, a hundred fifty five dollars. So what happened here? When was this?
57:43 Speaker 03 I got.
57:43 Caleb Hammer? It was twelve thousand originally.
57:45 Speaker 03 Yeah, I originally got it back in twenty twenty two to consolidate a bunch of credit cards and um an issue from from the housing thing, the rental company was having like issues. So I just paid them out from it. It was like a lease thing. It was like a payout for a lease. So I just paid out that and then.
58:00 Caleb Hammer? Okay.
58:01 Speaker 03 That was all just all combined. I got it. My mom co-signed on it with me.
58:04 Caleb Hammer? No.
58:05 Speaker 03 Yeah. Oh, my mom works for the bank for that. So.
58:08 Caleb Hammer? She's really enabled you in every way whatsoever because without fixing your behavior before doing this, and she probably doesn't even know, you probably just it all up again, which we know you did. So what are we doing? But I'm confused because I'm being told you actually got this down to seven thousand dollars.
58:23 Speaker 03 I did. So.
58:24 Caleb Hammer? So what the it is certainly not seven thousand. I'm spoiler alert. It's three more.
58:28 Speaker 03 Yes. So um back in October, when I found out I was getting transferred over to the Grand Rapids area for my work, I increased it to ten thousand dollars to get my mom off of it as a co-signer and to give myself a little extra money to help because.
58:44 Caleb Hammer? You took three?
58:46 Speaker 03 Yeah.
58:46 Caleb Hammer? Oh, for sake for that move?
58:49 Speaker 03 To
58:49 Caleb Hammer? See ball for every move.
58:51 Speaker 03 This move was paid for by my boss.
58:53 Caleb Hammer? Never had a move other than into my house when I just had money now. I've never had a move that has cost me more than just a few hundred bucks. I don't get it.
59:00 Speaker 03 That three grand was to help subsidize income because my ex was switching jobs and
59:05 Caleb Hammer? That's his income.
59:06 Speaker 03 I understand, but as us being together and me being a person that doesn't like to see him struggle, I wanted to have the extra money.
59:14 Caleb Hammer? Enable for the enable for the enable. Are you gonna stop taking care of him? I doubt it. It's been two weeks. I doubt it. I don't think you can.
59:21 Speaker 03 I've stopped doing everything for him.
59:23 Caleb Hammer? For two weeks?
59:25 Speaker 03 No, I'm like, it was before that I slowly stopped doing things.
59:29 Caleb Hammer? And what has he said or thought or done? He thinks you guys are still together, so.
59:32 Speaker 03 I don't know why he still thinks that. We don't act that way. At least I don't act that way toward him.
59:36 Caleb Hammer? Yeah, but what does he think of you all of a sudden not take care, taking care of him and whatnot?
59:40 Speaker 03 He just does things on his own now like he did before. Just he hopes that the things that I was doing before, I might actually still do.
59:49 Caleb Hammer? Well, I like the refinancing to get your mom off because you shouldn't have your mom on it, but to take an extra three is crazy.
59:56 Speaker 03 Yeah, no, I think.
59:57 Caleb Hammer? To subsidize how long?
59:59 Speaker 03 It was only to subsidize for the rest of the year.
1:00:01 Caleb Hammer? So two months, November, December?
1:00:03 Speaker 03 Yeah, two months.
1:00:05 Caleb Hammer? And where to go?
1:00:06 Speaker 03 Went into different expenses like gas or things for the apartment.
1:00:12 Caleb Hammer? How you're not gonna be able to survive on your own? What are we talking about? Especially if he moves out, what the are we talking about? There's not a chance you had to take out a personal and to try to make it. It's not a chance.
1:00:23 Speaker 03 That was because of his income like.
1:00:24 Caleb Hammer? I know, and if his income zero because he's gone, then how? Yes, it's not a little less food costs, a little less electricity. Other than that, the rent is still high.
1:00:33 Speaker 03 You're right, but with all the costs that I spend on him in those times, I won't be spending on him anymore.
1:00:39 Caleb Hammer? What were you having to pay for?
1:00:40 Speaker 03 Food. I spent so much.
1:00:41 Caleb Hammer? Food, but yeah, but you could have budgeted. Okay.
1:00:47 Caleb Hammer? I don't know how you're gonna be able to survive on your own. I don't know. I don't know.
1:00:51 Speaker 03 Where do we get?
1:00:52 Caleb Hammer? Oh, he's pissed you're here.
1:00:53 Speaker 03 Oh, yeah. So I applied back in October originally, so I could come in 2025. You guys called me like that day. And so I was picking up there. It was awesome. I loved it. And I ended up declining.
1:01:05 Caleb Hammer? Calebhammer.com/apply.
1:01:06 Speaker 03 And I, I went home and I was like, listen, I told them, maybe, but I think we're gonna email him and tell him I wanna do it like right immediately. And he's like, why would you wanna do that? He made it very like, like, it was like a problem that I was doing this. Like, it was like such a bad thing. Like, I was doing something illegal or something wrong. And so I was like, I'm not including you on any, but you don't even have to come with me. I'm doing this for myself so I can get my better and a better place for us as a couple. So I can, one day, hopefully, you know, pursue the future we want together. Cause we wanted kids together. We wanted a house. Like, we wanted all that.
1:01:37 Caleb Hammer? October, a couple of months ago? Okay.
1:01:39 Speaker 03 And he, um, I lost my train of thought, sorry.
1:01:46 Caleb Hammer? He was pissed?
1:01:47 Speaker 03 Yeah, so he was pissed, but and, and he's like, no, I just don't think you should go. And so I, I let it go. I was like, okay, I'll just reapply again. And then around Thanksgiving, I said, you know what? No, this. I need out and I need something better. I need someone who actually appreciates what I do for them in a sense and, um, and gives me what I need in a relationship. And
1:02:06 Caleb Hammer? What do you need?
1:02:07 Speaker 03 I need someone who will be ambitious like I am. I am so, I am hardworking. I am ambitious and I am driven. Now that I'm not 450 pounds, I have all this energy to do all these dirty things. And I can't get him to even plan a date, Caleb. I have planned every single one of our dates from the first one all the way to now.
1:02:24 Caleb Hammer? Yeah, it sounds like a loser. Well.
1:02:28 Speaker 03 I even, for Christmas, bought him like one of those scratch off date books to make it easy on. To just scratch it off and then he planned a date and I couldn't even get that.
1:02:35 Caleb Hammer? Okay, so you owe money to your mom, 1500 for what?
1:02:39 Speaker 03 Random expenses from, on the card.
1:02:41 Caleb Hammer? Huh? From, huh? From what?
1:02:42 Speaker 03 Either from the Disney trip or from, um, you know.
1:02:47 Caleb Hammer? So what card specifically? You've mentioned the card. What are we talking about the card? Go into more detail.
1:02:50 Speaker 03 I have a Discover card that my mom got, um, in her name and I'm an authorized.
1:02:54 Caleb Hammer? She has.
1:02:55 Speaker 03 She has it and I'm an authorized user. And I have a card of my own permit that she allows me to use for any, I mean, expenses, anything I need, um. That kind of stuff and then she just tells me to send her the payments back through our credit, through our bank because we have the same bank.
1:03:11 Caleb Hammer? So what are your payments then? You owe fifteen hundred. What's your minimum monthly payment?
1:03:14 Speaker 03 Whenever I can pay.
1:03:15 Caleb Hammer? Oh, come on. You don't have a scheduled minimum monthly payment with her?
1:03:17 Speaker 03 No, I, so I send, I'd send her a hundred dollars every pay. That's what I agreed on. She, she'll either send it back to me when she knows I do not need to send, like when she doesn't need it, or like not when she needs it, when she thinks I need it, or she'll just hold on to it. So it's like a hundred dollars every chance I can.
1:03:34 Caleb Hammer? I'm confused. I mean, I'm being told you thought it was good because you got an inheritance from your grandma.
1:03:38 Speaker 03 So.
1:03:39 Caleb Hammer? What the?
1:03:40 Speaker 03 Yes, I did get inheritance from my grandma. My grandmother passed away in May.
1:03:43 Caleb Hammer? Normal and I'm sorry. And what did you get? And where the is it? Because you're dead broke, broken.
1:03:49 Speaker 03 I got, um, just under nine grand from her.
1:03:53 Caleb Hammer? Okay, grandma didn't have much. That's okay.
1:03:55 Speaker 03 Uh, it spread through a bunch of all of us. She had a good amount, but it went, a lot of it went to her kids and then, and then it went to grandkids. There was like thirteen of us.
1:04:02 Caleb Hammer? Nine thousand? Didn't go anywhere, it seems, or it went everywhere.
1:04:07 Speaker 03 Um, well, as I, as I've talked about, I'm a giving person. So one of the winning expenses was I bought a couple of things for my, um, I'm an online gamer and I have a couple of friends who are.
1:04:18 Caleb Hammer? My dude.
1:04:19 Speaker 03 Yeah.
1:04:20 Caleb Hammer? Discord, okay, and here she is. Hey, my, what, what did you get, you?
1:04:25 Speaker 03 I built it myself.
1:04:26 Caleb Hammer? What, what components did you get? You?
1:04:28 Speaker 03 I don't understand. I don't, okay, I don't remember because it was back in twenty twenty.
1:04:32 Caleb Hammer? You don't know what's in your computer? Oh.
1:04:34 Speaker 03 It was a long time ago. Yeah, it was a long time. It's a really old PC. It's a long time ago, but it does what it needs to do and so.
1:04:38 Caleb Hammer? Oh, you bought your ex a brand new PC too?
1:04:40 Speaker 03 Yeah. So that's what I was gonna get into. So yes, what they inherited.
1:04:44 Caleb Hammer? Furry art.
1:04:46 Speaker 03 Yes, because he is a furry artist, so.
1:04:48 Caleb Hammer? Did you buy on his PC for his PC? How, what was it?
1:04:51 Speaker 03 I bought the whole thing.
1:04:52 Caleb Hammer? Yes, what did you get him?
1:04:53 Speaker 03 I, I'm, I'm.
1:04:54 Caleb Hammer? What the Michigan? Wait, wait, or come back on. We gotta talk about Michigan education.
1:04:58 Speaker 03 Said what on the PC, sir? You said what on the PC? Um, I bought him, I think it's a,
1:05:06 Speaker 03 oh my gosh, I cannot remember the brand. I know, MTX or something like that.
1:05:10 Caleb Hammer? Is it good? How much was it?
1:05:12 Speaker 03 Twenty five hundred dollars. And it's good. It's, it's got, um.
1:05:17 Caleb Hammer? How can you even afford to get here? I know we reimburse you afterwards. How'd you even afford to get here?
1:05:23 Speaker 03 I put it on my mom's card.
1:05:25 Caleb Hammer? Oh, my.
1:05:27 Speaker 03 And then I'm gonna send it right back to her so, so she can pay it off.
1:05:33 Speaker 03 Yeah, so the PC, so, um, again, I don't know the specs, but it's a decent one.
1:05:36 Caleb Hammer? I don't give a fuck about your PC anymore.
1:05:37 Speaker 03 Yeah.
1:05:38 Caleb Hammer? 2020 was a long time ago. I don't, I don't care.
1:05:41 Speaker 03 No, his PC. The one I just bought.
1:05:43 Caleb Hammer? You just bought? When was it?
1:05:45 Speaker 03 Oh, I just bought him that one in, I wanna say, August.
1:05:49 Caleb Hammer? How, how'd you afford that?
1:05:51 Speaker 03 The inheritance.
1:05:52 Caleb Hammer? Oh, that was when, oh my.
1:05:53 Speaker 03 Yeah, that's why, yeah.
1:05:54 Caleb Hammer? What is wrong with you? Using grandmother's money for a PC for a guy that we've broken up with once because it cheated on us? And are ready to break up with him again?
1:06:05 Speaker 03 Yeah.
1:06:05 Caleb Hammer? Did he stick it in another woman?
1:06:07 Speaker 03 Physically, no.
1:06:09 Caleb Hammer? What?
1:06:13 Caleb Hammer? I am hyper against cheating, but with the language you are using, I...
1:06:19 Speaker 03 It'll make sense in the post-show, Kayla. I bought this.
1:06:21 Caleb Hammer? Oh, good. Oh, goodie.
1:06:22 Speaker 03 Listen, I'm just trying to be respectful, okay?
1:06:24 Caleb Hammer? Be respectful? You're gonna respect the cheater?
1:06:29 Caleb Hammer? Yeah. Uh-huh. I respect the cheater.
1:06:34 Speaker 03 I'm not happy that I respect him.
1:06:35 Caleb Hammer? Okay.
1:06:39 Caleb Hammer? Oh, debt owed to family and friends? No, no, no, to, to, to a friend, $500. To a friend, $500?
1:06:45 Speaker 03 Yeah.
1:06:45 Caleb Hammer? What are you, what are you, $500 for to a friend?
1:06:48 Speaker 03 Yeah, back in like 2021, I needed help with rent, so I asked...
1:06:50 Caleb Hammer? Bro, from four ye- five years ago now?
1:06:54 Speaker 03 Yeah.
1:06:54 Caleb Hammer? Five years ago, $500 for rent, and you haven't paid that back? You dumb... But you gave him a PC for $2,500? And you haven't paid back your friend? What is wrong with you selfish?
1:07:06 Speaker 03 I bought him the PC because his, the one he had broke, and art is his life.
1:07:10 Caleb Hammer? Hey, you owe a friend $500 from five years ago?
1:07:14 Speaker 03 And I'd rather not have a depressive [__] in my house because he can't draw his art.
1:07:18 Caleb Hammer? Doesn't matter, break up with him regardless.
1:07:20 Speaker 03 Drink on his PC, which, lied to him about that and said, "I did it." No, the dog did it, so he didn't [__] freak out on the dog.
1:07:24 Caleb Hammer? Huh? You peed on the PC?
1:07:26 Speaker 03 No, the dog dropped one of his drinks on, on, on his PC.
1:07:30 Caleb Hammer? And the dog said you did it?
1:07:31 Speaker 03 No, I said I did it, so that...
1:07:33 Caleb Hammer? To who?
1:07:33 Speaker 03 To him, my ex.
1:07:35 Caleb Hammer? Why?
1:07:35 Speaker 03 So he didn't get freaked out on the dog.
1:07:38 Caleb Hammer? He would hit the dog?
1:07:39 Speaker 03 He would be upset with the dog.
1:07:43 Speaker 03 To the point where he wanted to get rid of the dog. Like, he was by that point-
1:07:46 Caleb Hammer? Is it a bad dog?
1:07:47 Speaker 03 No! Knox is a wonderful dog. So, he just has a low temper when it comes to things that don't go his way.
1:07:54 Caleb Hammer? I'm not the best temper person either, but I don't like take shit out on dogs.
1:07:58 Speaker 03 We both love that dog. That's just all I'm gonna say with that.
1:08:00 Caleb Hammer? I like how you can't give me any details about anything.
1:08:03 Speaker 03 I'm not gonna say that he abuses our dog.
1:08:05 Caleb Hammer? Well, does he?
1:08:06 Speaker 03 No!
1:08:07 Caleb Hammer? Then say he doesn't.
1:08:08 Speaker 03 He doesn't abuse the dog, but there's definitely points where he doesn't take care of him like he should. That's just straight up-
1:08:14 Caleb Hammer? That's animal abuse. In my book. I love, I love when I apply to come on a podcast and then can't talk about things.
1:08:21 Speaker 03 There's certain things I just can't talk about due to respect.
1:08:23 Caleb Hammer? About how someone treats a dog? I'm sorry, I consider that [bleep] you at that point. If you're a piece of shit to dogs, cats.
1:08:31 Speaker 03 I get it.
1:08:31 Caleb Hammer? Okay, so mommy paid for the trip. You can't pay off your friend from a few years ago. But if you had enough money, okay. Did you, did you buy his PC the day you got your inheritance?
1:08:41 Speaker 03 No.
1:08:41 Caleb Hammer? How long did you have your inheritance before you bought his PC?
1:08:44 Speaker 03 Couple of weeks.
1:08:45 Caleb Hammer? And why the [bleep]? Did you not pay back the $500? You selfish?
1:08:49 Speaker 03 Cause I forgot about it.
1:08:50 Caleb Hammer? Oh!
1:08:51 Speaker 03 I did!
1:08:52 Caleb Hammer? Oh, yeah?
1:08:54 Speaker 03 I have a goldfish brain. So I, if things are in front of me at all times for me to look at, I don't remember them. And so, that was in my notes of debt that I just forgot about. And so, we were talking about all of this. And-
1:09:06 Caleb Hammer? 1,888 to collections for [bleep] what?
1:09:11 Speaker 03 Probably-
1:09:11 Caleb Hammer? Why are we throwing out a $500 lightsaber at Disney as well?
1:09:15 Speaker 03 Yeah, as his Christmas gift.
1:09:18 Caleb Hammer? Pay back your friend. What is wrong with you? What is wrong with you? Pay back your [bleep]. Are you still friends with this person?
1:09:26 Speaker 03 Yes.
1:09:27 Caleb Hammer? Wow! You sound like a horrible friend.
1:09:30 Speaker 03 I don't say I'm a horrible friend. I would say-
1:09:32 Caleb Hammer? No, I do.
1:09:33 Speaker 03 I wouldn't consider myself that way, and I understand why you would, but the reason I don't is because-
1:09:38 Caleb Hammer? Yeah, cause you owe them money and you haven't paid them in years, even though you've had money to pay them for years.
1:09:40 Speaker 03 Because they know what I've been going through. They know what I've been doing. So they know that when I have the extra time-
1:09:45 Caleb Hammer? Yeah, you're cheated on and you respect the guy who cheated on you for cheating on him. Like, I, I love respecting people that cheat on me and respecting them for that. And when they do something bad to a dog, I love respecting people for that.
1:09:58 Caleb Hammer? It's interesting. So why did your mom think you came down here? That you borrowed money from that you probably won't pay back because you never paid back money? Because you get things that you want instead of paying back money.
1:10:06 Speaker 03 I will pay her back as soon as I can.
1:10:08 Caleb Hammer? Yeah, you have a historical representation of that. I believe that. Mm hmm. Including your friend, will the money go to your friend? The money should go to your friend. Will the money go to your friend? The moment you get your reimbursement, how much did it cost to get down here? If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management,
1:10:52 Caleb Hammer? the trades like electrician, plumbing, HVAC supply chain, and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job, was starting from scratch. Click the link below to sign up for one of their free courses today. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use
1:11:36 Caleb Hammer? and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money, I get money. Enjoy. Links are in the description below.
1:12:02 Speaker 03 Flight wise, it was like, I don't know, $500.
1:12:05 Caleb Hammer? Okay, so you'll have a little more to give to your friend.
1:12:08 Speaker 03 Sure. Yeah, I'll give it to him.
1:12:09 Caleb Hammer? Will you?
1:12:10 Speaker 03 Yes.
1:12:11 Caleb Hammer? So, your mom knew you came down for a financial audit?
1:12:14 Speaker 03 No, my mom knows, thinks I'm here for work.
1:12:17 Caleb Hammer? So you lied, you borrowed and lied. So you cheated on your mother financially, infidelity?
1:12:21 Speaker 03 I am a person to have a
1:12:23 Caleb Hammer? Does she respect you for it?
1:12:25 Speaker 03 No. She will think I should have just told her, but
1:12:28 Caleb Hammer? Yeah, whoa.
1:12:29 Speaker 03 But I will explain that because the reason I didn't tell her is because I am an in person with my mother. I'm an in person of telling her things like that.
1:12:36 Caleb Hammer? Oh, what a cop. That's a cop. I'm, I'm an in person when I tell my spouse that I someone else and when she said I couldn't.
1:12:43 Speaker 03 It's
1:12:44 Caleb Hammer? It's waiting until the perfect moment to say it so that it would be excused.
1:12:47 Speaker 03 My mom works for a bank, so she has amazing finances. She does well for finance.
1:12:52 Caleb Hammer? Oh, shut up. You know how many people who work for a bank I've had on the show?
1:12:55 Speaker 03 No, I understand, but no, what I'm, my mom is really good at finances, but what I'm saying is that like
1:12:59 Caleb Hammer? Good for her.
1:12:59 Speaker 03 I did not want to admit to her that I was going on a financial show instead of just going to her for the help. I did not want to have that moment.
1:13:06 Caleb Hammer? Good as you didn't because you, she would just enable you. She always did. So what's this
1:13:09 Speaker 03 Exactly.
1:13:10 Caleb Hammer? $1,880?
1:13:12 Speaker 03 That is probably the old apartment that I used to live in Nebraska.
1:13:15 Caleb Hammer? Nebraska?
1:13:16 Speaker 03 I lived in Nebraska for four years.
1:13:19 Caleb Hammer? You look like you were hatched in a field in Nebraska. That makes sense.
1:13:22 Speaker 03 Hmm.
1:13:23 Caleb Hammer? That makes sense.
1:13:25 Speaker 03 Huh? I don't know if that's good or bad.
1:13:28 Speaker 03 I like Nebraska, but I definitely wouldn't
1:13:29 Caleb Hammer? You like Nebraska?
1:13:30 Speaker 03 I liked it. Yeah, it was nice. I liked living there. I met a lot of, a lot of fun people.
1:13:35 Caleb Hammer? In Nebraska?
1:13:36 Speaker 03 Yeah.
1:13:36 Caleb Hammer? You met people?
1:13:37 Speaker 03 Yeah. One of my best friends lives there.
1:13:40 Caleb Hammer? And you not pay your best friend back that one too?
1:13:43 Speaker 03 No, no, he don't.
1:13:44 Caleb Hammer? Of course not. Of course you don't.
1:13:45 Speaker 03 I don't owe anybody else money.
1:13:46 Caleb Hammer? Nope, just endless collections, including the extra $6.39. What's this for?
1:13:52 Speaker 03 Probably a credit card.
1:13:53 Caleb Hammer? Right. So why do you owe a previous apartment in Nebraska?
1:13:56 Speaker 03 So when I lived there, I lived with a roommate who We we got it in July.
1:14:01 Caleb Hammer? Here comes someone else's fault.
1:14:03 Speaker 03 And then not long after that, she started dating this ex who was a felon.
1:14:06 Caleb Hammer? Ex? Did you mean ex?
1:14:08 Speaker 03 She dated, well, it was the next time. I think they're married now. I don't know. I don't know if she's, we don't talk anymore. But anyway, she started dating this guy who was a felon.
1:14:16 Caleb Hammer? Good for him.
1:14:17 Speaker 03 Moved him in without telling me into the apartment.
1:14:20 Caleb Hammer? Okay, is he a dangerous man?
1:14:22 Speaker 03 Well, yeah, he he was a.
1:14:23 Caleb Hammer? There's a lot of felonies. Is he dangerous?
1:14:25 Speaker 03 Yeah, he was a domestic violence felon.
1:14:28 Caleb Hammer? That's not good. We don't like that one.
1:14:29 Speaker 03 Exactly.
1:14:30 Caleb Hammer? You'd probably respect someone for doing it, but.
1:14:32 Speaker 03 No, but anyway, so she moved in without telling me. Like, I went away to visit family and I went home to visit family and came back and he was moved in. Told her that she had to get him out. Like, it's not like you can't have that. He's a felon on our lease. Like, you cannot, like, we can't have a felon on our lease, let alone living in here without being on the lease. And so I talked to the apartment complex. I said, hey, can I just?
1:14:52 Caleb Hammer? Were you on individual leases or a shared lease together?
1:14:54 Speaker 03 It was a shared lease, so I.
1:14:55 Caleb Hammer? Yeah, you you signed that contract.
1:14:57 Speaker 03 Yeah, no, 100%. And so when I when I moved out.
1:14:59 Caleb Hammer? Why were you telling Colton it was all their fault then and they [bleep] you over?
1:15:03 Speaker 03 I would say they [bleep] me over because here's why. So when.
1:15:06 Caleb Hammer? Yes.
1:15:06 Speaker 03 I know, I'm getting there. So when we when we redid the lease, I moved into a smaller apartment to, you know, make it more cost effective for me. When they redid it, they messed up the paperwork and said that I moved that I the lease started in November. They were just supposed to renew the lease in for July.
1:15:24 Caleb Hammer? Okay.
1:15:24 Speaker 03 When we first moved in, but they didn't. So when I planned to move out in June, um, when I planned to move out in June, I told them like, okay, hey, my lease is ending. I'm moving out. Here's my notice. And they said, no, your lease is up in November. It ended up being a whole fight. And so that's just the last month rent that I'm refusing to pay.
1:15:42 Caleb Hammer? What contract did you sign?
1:15:44 Speaker 03 Contract said that it was supposed to be up in July.
1:15:46 Caleb Hammer? Did you show them that contract?
1:15:48 Speaker 03 Yes.
1:15:48 Caleb Hammer? And?
1:15:49 Speaker 03 And they refused to accept it, saying that due to the re-signing with the new lease with her going off it, it was supposed to be the year.
1:15:57 Caleb Hammer? Showing?
1:15:57 Speaker 03 The new lease, all it said was that it just removed her. That's all it was, was that removing her off the lease. I know. That's why I'm like.
1:16:03 Caleb Hammer? Hey, collections 512 for what?
1:16:05 Speaker 03 Probably a credit card.
1:16:06 Caleb Hammer? Why weren't you paying credit cards? When?
1:16:08 Speaker 03 Um, that one probably was from like 2022.
1:16:12 Caleb Hammer? The last one, why? Plus another 257. Why? Why aren't you paying credit cards?
1:16:16 Speaker 03 Probably because I just couldn't afford it. Just couldn't afford any money payments because I didn't have the money in my account.
1:16:23 Caleb Hammer? Why? You're, I know you're still getting your ass to Disney.
1:16:28 Caleb Hammer? So why?
1:16:29 Speaker 03 Bullshit spending, I'm guessing then Disney and, uh, you know.
1:16:33 Caleb Hammer? You don't feel like you're gonna pay it back?
1:16:35 Speaker 03 You know?
1:16:36 Caleb Hammer? You're not gonna pay it back?
1:16:37 Speaker 03 My credit cards? Probably not, no.
1:16:39 Caleb Hammer? The collections, why?
1:16:40 Speaker 03 I mean.
1:16:40 Caleb Hammer? So you spent other people's money.
1:16:42 Speaker 03 I will pay them back if I have the money, but I don't have the money.
1:16:45 Caleb Hammer? You don't have the money because you spent all your money on bullshit. You could pay off one of these a month. Just with your bullshit money spending alone. Fuck you Disney, what are you talking about? Fuck you.
1:16:53 Speaker 03 Okay, then I'm gonna, then I'll sit down and I'll budget out to where I can, like I can't pay those. I would like to.
1:16:57 Caleb Hammer? Girl, you literally got a nine thousand hour check from your grandma. What are you talking about?
1:17:00 Speaker 03 And then I gave it to people who I thought needed it more.
1:17:05 Speaker 03 Yeah, I probably should have put that toward all of my debt and I'd probably be in a way better position, but I didn't because I felt like the people in my life needed something more. My ex was one of them and do I regret it? Yeah, I do. But here is the thing. I did it so that they could have a happier life. Like the one that I bought a guitar for. He is the happiest man I've seen him in a long time because of that guitar.
1:17:25 Caleb Hammer? Who'd you buy a guitar for?
1:17:26 Speaker 03 I bought a guitar for my friend in Belgium.
1:17:28 Caleb Hammer? Your friend in Belgium? Have you ever met this friend?
1:17:31 Speaker 03 We, we video chat all the time.
1:17:33 Caleb Hammer? You've never met this friend?
1:17:34 Speaker 03 Not in person.
1:17:35 Caleb Hammer? Oh my.
1:17:37 Speaker 03 A lot of online friends.
1:17:38 Caleb Hammer? Milked. Yeah, you're getting milked.
1:17:41 Speaker 03 You didn't ask me for it.
1:17:42 Caleb Hammer? Yeah, but you're getting milked. Milked.
1:17:48 Speaker 03 I don't want to admit that because I don't feel it that way.
1:17:51 Caleb Hammer? You have a Chevy Equinox.
1:17:52 Speaker 03 I do, 2020.
1:17:53 Caleb Hammer? State buyer. Okay. 2020, we're super excited. And a 16% interest rate of death?
1:18:01 Caleb Hammer? Why?
1:18:02 Speaker 03 Cause I needed a car.
1:18:03 Caleb Hammer? Where'd you get this needed a car?
1:18:05 Speaker 03 I got it back in.
1:18:06 Caleb Hammer? That's what happens when you have collections on your credit, by the way. Could have saved yourself more money than paying off your collections by having a lower interest rate, most likely. Having a better loan.
1:18:15 Speaker 03 Right.
1:18:15 Caleb Hammer? So, when?
1:18:17 Speaker 03 I got that back in 2021. August 2021.
1:18:22 Caleb Hammer? Yeah, that was not interest rates then. We were in.
1:18:26 Speaker 03 No.
1:18:26 Caleb Hammer? Better interest rate territory. What the? Welcome to having the consequences of your vehicle.
1:18:33 Speaker 07 Low energy, unfocused, foggy, you might be dehydrated. Gatorade Zero powders have been scientifically designed to help improve hydration balance in the body. With a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.
1:19:02 Caleb Hammer? Collections dude.
1:19:03 Speaker 03 Yeah, well, I needed a car because my, the car I had.
1:19:05 Caleb Hammer? I'm not saying don't get a car. But also, how much was the purchase of the car? Because you didn't need a car this much.
1:19:11 Speaker 03 It was $24,000.
1:19:15 Caleb Hammer? What is wrong with you? Why'd you not get a $10,000 car? What the is wrong with you? Put some winter tires on that shit.
1:19:20 Speaker 03 Because I wanted something.
1:19:21 Caleb Hammer? Wanted, wanted.
1:19:23 Speaker 03 I know.
1:19:24 Caleb Hammer? There it is! How'd you afford this? You were letting credit cards go to collections at that time. How'd you afford this?
1:19:30 Speaker 03 I took out my 401k.
1:19:31 Caleb Hammer? Oh my, what is wrong with you? How much did you take out?
1:19:35 Speaker 03 $36,000.
1:19:36 Caleb Hammer? Oh my goodness! And yet you still have a loan on it! On the car! Where all that money go?
1:19:44 Speaker 03 Uh, so I did put a down payment on the car and then, um, some of it went to certain debts, some of it went into savings to save for, um, expenses like emergency fund and stuff like that. And then I did pay my mom, um, she, she asked me for a couple grand, um, to help repair a car for my sister.
1:20:04 Caleb Hammer? To your mother? The financially well-off mother?
1:20:06 Speaker 03 It was a, technically a payback. Let me be clear, it's technically a payback.
1:20:10 Caleb Hammer? There you go.
1:20:10 Speaker 03 Yes, it was a payback for something earlier in the, earlier in the year.
1:20:14 Caleb Hammer? What do you think this car's worth that you owe $15,175 on?
1:20:18 Speaker 03 Probably around like.
1:20:19 Caleb Hammer? 15% interest rate.
1:20:20 Speaker 03 13,000?
1:20:21 Caleb Hammer? About 13,000.
1:20:22 Speaker 03 Yeah, I think when I looked it up, because I do, I do want to get out of it. I do kind of want.
1:20:26 Caleb Hammer? I'm confused, you're answering questions correctly. Why are you so, you're allowing it? You're so informed, this isn't ignorance anymore, yet you allow it?
1:20:32 Speaker 03 Yeah, um.
1:20:33 Caleb Hammer? Get out of this car, get a $10,000 car at a better interest rate. What the are you doing?
1:20:37 Speaker 03 I wanted the car one for safety, because it.
1:20:39 Caleb Hammer? I know what you want, I don't give a shit. Feel, I don't care. Dude, modern cars are safe. You'll be fine.
1:20:46 Caleb Hammer? You're not getting a 1995 car.
1:20:48 Speaker 03 I know, but at the time I wanted the
1:20:50 Caleb Hammer? At the time, I'm saying no.
1:20:51 Speaker 03 I'll sell it now, I'll sell it.
1:20:53 Caleb Hammer? Good.
1:20:54 Speaker 03 I've thought about it, that's why I knew the price around, because I've been looking at the selling it. Don't get me wrong.
1:20:58 Caleb Hammer? Yeah, sell it. Save yourself 5,000 hours of debt on a lower interest rate. Okay, student loan, so what the did you do? Because you said you don't have a degree.
1:21:06 Speaker 03 Yeah, I went to school for psychology. Clinical psychology.
1:21:12 Caleb Hammer? Hmm. And how much school did you do?
1:21:14 Speaker 03 I went, I'm a junior technically, so I have like, I would only have a few more
1:21:20 Caleb Hammer? Not a junior, you're not in school.
1:21:21 Speaker 03 Well, I probably only had about maybe a year and a half left to be able to get my bachelor's.
1:21:26 Caleb Hammer? Hey, you dumb, absolute.
1:21:28 Speaker 03 What?
1:21:28 Caleb Hammer? Instead of actually paying off your shit, instead of actually taking care of this, being a responsible adult, setting yourself up for success when breaking up with your boyfriend, needing to move out. Instead of actually paying back your friend or paying back your family and friends, you literally just bought a motorcycle from your aunt for $2,500.
1:21:43 Speaker 03 Yeah.
1:21:44 Caleb Hammer? What is wrong with you?
1:21:45 Speaker 03 Yeah, okay, so the same, the same
1:21:48 Caleb Hammer? What is wrong with you, woman?
1:21:49 Speaker 03 So, the same day my grandmother died, I was at a funeral for my grandfather on the other side of the family.
1:21:56 Caleb Hammer? Oh.
1:21:57 Speaker 03 Yeah.
1:21:57 Caleb Hammer? Old people be dying.
1:21:58 Speaker 03 Yes.
1:21:59 Caleb Hammer? That sucks, I'm sorry.
1:22:00 Speaker 03 And at that funeral, I was talking about my, to my aunt, that like, oh, one day I want to buy a bike, like one day, it was a plan down the road, like we weren't, we knew we weren't ready for it, but we had, we were planning, we were thinking about it.
1:22:11 Caleb Hammer? Did she death sympathy, sympathy sell you? She death sympathy sold you?
1:22:16 Speaker 03 She said she had a, an old bike that she was wanting to sell. And I said, well,
1:22:21 Caleb Hammer? You death purchased, you're a death purchaser.
1:22:24 Speaker 03 Yeah, so as soon as the inheritance came in, I set it aside, it's sitting at my house.
1:22:27 Caleb Hammer? No!
1:22:29 Speaker 03 Yeah, it's sitting in my, in my apartment.
1:22:31 Caleb Hammer? She death sympathy sold you?
1:22:33 Speaker 03 I have a love for motorcycles just from a kid, because my, my grandfather and all that.
1:22:38 Caleb Hammer? Why associating with death and nostalgia, you then spent $2,500 instead of taking care of your shit?
1:22:44 Speaker 03 Yes.
1:22:45 Caleb Hammer? You death purchased a motorcycle? Should never death purchase, never death purchase.
1:22:50 Speaker 03 In the moment, I truly, truly just wanted
1:22:53 Caleb Hammer? Welcome to a death purchase.
1:22:56 Speaker 03 I know.
1:22:57 Caleb Hammer? And you had a double death, that was a double death purchase.
1:22:59 Speaker 03 Technically, yeah.
1:23:01 Caleb Hammer? Well, yes, two people died.
1:23:02 Speaker 03 Yeah.
1:23:03 Caleb Hammer? It was, it wasn't figuratively.
1:23:06 Speaker 03 Yeah.
1:23:06 Caleb Hammer? And I'm sorry again.
1:23:07 Speaker 03 No, it happens.
1:23:08 Caleb Hammer? I'm gonna be broken when that happens. Not looking forward to it. Um, so you must drive it around a lot.
1:23:15 Speaker 03 She's holding on to it right now.
1:23:16 Caleb Hammer? Okay.
1:23:20 Speaker 03 She was supposed to bring it to me in August.
1:23:21 Caleb Hammer? Sell it, you.
1:23:23 Speaker 03 No. It's a sentimental thing.
1:23:26 Caleb Hammer? Yeah, cuz you death purchased it, you.
1:23:28 Speaker 03 I understand.
1:23:29 Caleb Hammer? You shouldn't have death purchased it. No death purchasing. Death, sell it. Wait for someone else to die and death sell it to someone else in the family.
1:23:36 Speaker 03 I would sell the car over the motorcycle.
1:23:37 Caleb Hammer? Okay, death sell your car.
1:23:39 Speaker 03 Okay. I'll sell it.
1:23:41 Caleb Hammer? And then drive the motorcycle in the dead of winter in West Michigan where like the big snow happens.
1:23:45 Speaker 03 That is the problem, yes.
1:23:46 Caleb Hammer? Well, that is the problem, which is why it's not realistic, which is why get rid of the bike, sell it to someone else in the family, dumb tip. What are you doing? No.
1:23:52 Speaker 03 No.
1:23:52 Caleb Hammer? No. You know what?
1:23:53 Speaker 03 No.
1:23:54 Caleb Hammer? Why?
1:23:54 Speaker 03 Cuz that is something I truly, truly.
1:23:58 Caleb Hammer? Truly, truly can't afford.
1:24:00 Speaker 03 You're right, I can't afford it, but I. Because I have no other way to connect with my grandfather and that side of my family anymore.
1:24:08 Caleb Hammer? A bike? I'm sorry, are we really doing the inanimate object thing? Are we doing that? Is that a thing we do? Do we do that? I don't think we do that, especially if it motors and gears. It's not an urn. If it was an urn, I would, I'm not saying, saying sell the urn. Like a keepsake from a family or a ring or something like that, that was like grandma's ring. People have had grandma's ring on the show before. I've never said sell it. A motorcycle, something that will likely lead to your own death.
1:24:32 Speaker 03 I, all I can say is I'm not gonna be stupid with it. That's all I'm gonna say.
1:24:35 Caleb Hammer? Yeah, I do not trust you for that.
1:24:39 Speaker 03 You don't gotta trust me. All I'm gonna say is I'll be safe and that's what matters.
1:24:43 Caleb Hammer? Why do I even believe that? The fall, death, injury rates for motorcycles might fall so hard it. Kicks your jaw into the center of your face.
1:24:54 Speaker 03 That'll be my own fault then.
1:24:56 Caleb Hammer? It'll be good.
1:24:56 Speaker 03 Very true. It'll be good for me.
1:24:58 Caleb Hammer? Why, why did you drop out of school?
1:25:00 Speaker 03 Um, well, I went out, um, psychology school recently because I, um.
1:25:05 Caleb Hammer? Recently?
1:25:06 Speaker 03 Yeah, it was April, May.
1:25:08 Caleb Hammer? Wait.
1:25:09 Speaker 03 In the fall.
1:25:09 Caleb Hammer? You accumulated this last year?
1:25:12 Speaker 03 This, this has been over since I was over 18. I've been in and out of school since I've been 18.
1:25:17 Caleb Hammer? Why?
1:25:18 Speaker 03 Just different schools. So I went to, uh, community college back home first to get my grades up. I was supposed to actually come out to, um, San Antonio for school for powerlifting and.
1:25:29 Caleb Hammer? For powerlifting?
1:25:30 Speaker 03 Yeah, I'm a powerlifter.
1:25:31 Caleb Hammer? For powerlifting?
1:25:32 Speaker 03 Yeah.
1:25:34 Caleb Hammer? School for powerlifting.
1:25:35 Speaker 03 Well, there, so I would-
1:25:36 Caleb Hammer? Capitalism has gone too far.
1:25:39 Speaker 03 No, so I would go to college and powerlift for the college, like, as sport.
1:25:43 Caleb Hammer? Why didn't you if they were paying for school then?
1:25:45 Speaker 03 Because I got recruited out to Illinois for the same thing. They, they paid me more. They paid me more, yeah.
1:25:51 Caleb Hammer? To?
1:25:52 Speaker 03 Uh, Midland University, or sorry, McKendrick University. It's a southern, it's a private school.
1:25:57 Caleb Hammer? Southern-
1:25:58 Speaker 03 It's a-
1:25:58 Caleb Hammer? Private-
1:25:59 Speaker 03 Southern Illinois.
1:26:00 Caleb Hammer? And north, okay.
1:26:02 Speaker 03 In southern Illinois. Private.
1:26:04 Caleb Hammer? And they covered your college?
1:26:05 Speaker 03 Some of it. I had to take out student loans, of course.
1:26:07 Caleb Hammer? Oh my goodness. To powerlift, okay. For fuck's sake.
1:26:10 Speaker 03 And then-
1:26:10 Caleb Hammer? Do you have minimum monthly payments on this?
1:26:12 Speaker 03 No, because I just started ending school, so we haven't-
1:26:15 Caleb Hammer? Huh? You just started school again?
1:26:16 Speaker 03 I just stopped, like, I just stopped going to school.
1:26:18 Caleb Hammer? Well, it's gonna pick up again. It's probably gonna be like a hundred fifty bucks a month.
1:26:20 Speaker 03 Yeah, yeah, I'm, I haven't looked into it, but I'm going to, yes.
1:26:23 Caleb Hammer? Um, oh yeah, you should look into it.
1:26:24 Speaker 03 And then I also, um, did culinary school as well.
1:26:27 Caleb Hammer? Ah, you can't bite down on things.
1:26:29 Speaker 03 I was a bakery, baker.
1:26:32 Caleb Hammer? It is soft, okay.
1:26:34 Speaker 03 And I didn't eat it. Most, well, I did back then, but I don't eat it now.
1:26:38 Caleb Hammer? Yeah, yeah, yeah. You make gluten-free shit. I don't want you to be a baker.
1:26:42 Speaker 03 I definitely make a lot more gluten-free shit now, yes.
1:26:44 Caleb Hammer? Nasty ass. Okay, five dollars in this checking account. Is this a other loan or is, no, I already saw this one, okay, so-
1:26:51 Speaker 03 Yeah, same bank, so it just kinda came together.
1:26:53 Caleb Hammer? Checking account, nine hundred bucks, down from a thousand. Savings is flat at five dollars, five, five. Withdraw courtesy fee. McDonald's? Come on, what the fuck? McDonald's? Former fatty? Dude, McDonald's, isn't that dangerous? Okay, Amazon Prime, courtesy withdraw, again, what, what is this courtesy withdraw constantly?
1:27:13 Speaker 03 Probably my weed habits.
1:27:15 Caleb Hammer? Why is it a courtesy withdraw pay fee?
1:27:17 Speaker 03 Uh, because I pull it from the ATM in the, um, dispensary, if I-
1:27:21 Caleb Hammer? So, losing teeth and smoking weed.
1:27:26 Caleb Hammer? Northern Michigan.
1:27:29 Caleb Hammer? Hulu. With Droffy, with Droffy, with Droffy. Discord, she has a Discord kitten.
1:27:34 Speaker 03 Cancel it, I cancel it.
1:27:36 Caleb Hammer? Great. With Droffy, with Droffy, Spotify, Crunchyroll, [__] off, Big Apple Bagels, Amazon. Meyer Express, Meyer Express. YouTube membership, which is the best one and number one on YouTube, where I guess we get all the interesting stuff. Is when you click that join button, join Hammer Elite, join the literal fifth, like 50,000 people or whatever. It's so good for a reason. Coinmaster, Coinmaster, Taco Bell, Crunchyroll again, Blizzard. You eat like shit, dude.
1:28:07 Speaker 03 It's not, that's the thing. It is so.
1:28:09 Caleb Hammer? Jersey mics, what are Jersey mics? There's no small Jersey mics. Texas Roadhouse.
1:28:13 Speaker 03 Many sizes.
1:28:14 Caleb Hammer? Coinmaster, Coinmaster for 1730? Coinmaster, Coinmaster, Coinmaster, what is that?
1:28:20 Speaker 03 Coinmaster is a mobile game. That I spend money on when I'm bored.
1:28:26 Caleb Hammer? Like hundreds of dollars.
1:28:28 Speaker 03 Yeah.
1:28:30 Caleb Hammer? What the [__] wrong with you, yo 500, you're a bad person. Jersey mics, with Droffy. With Droffy. Meyer, that's probably groceries. Coinmaster, Coinmaster again. Total overdraft this year so far, 188 dollars. In this period alone was two overdrafts.
1:28:47 Speaker 03 Yeah.
1:28:47 Caleb Hammer? Oh, you're, you're, you're done. You're [__] done. 401K, do you still have one?
1:28:52 Speaker 03 So I am, I do have a 1K with my work.
1:28:55 Caleb Hammer? What? Okay. And how much is in it?
1:28:59 Speaker 03 It's around 4,000 right now.
1:29:01 Caleb Hammer? Great.
1:29:01 Speaker 03 I just started in July.
1:29:02 Caleb Hammer? Forty to four. Okay, let's get your debt minimum monthly payments and putting your student loans in there because they'll kick in anytime now.
1:29:09 Speaker 03 Okay.
1:29:11 Caleb Hammer? Okay, it's about to be 1,278, but hopefully the student loans kick in by the time that payday loan one goes out. Your rent, let's say a thousand, because that's what it's going to be. What's your utilities alone going to be? Expensive gas in the winter, expensive electricity in the summer. What?
1:29:28 Speaker 03 I would say probably average it to like, like 150 because right now
1:29:33 Caleb Hammer? Including internet or outside of internet?
1:29:35 Speaker 03 I would include it because our utilities-
1:29:37 Caleb Hammer? Internet into 150 though?
1:29:39 Speaker 03 Yes.
1:29:39 Caleb Hammer? Okay.
1:29:40 Speaker 03 I don't need any
1:29:41 Caleb Hammer? Okay, phone bill?
1:29:42 Speaker 03 My mom pays for it because it makes it easier.
1:29:45 Caleb Hammer? Do helium if T-Mobile's good there and it should be, it's Grand Rapids. Do helium, it's like cheap, like 15 bucks a month. I'll also give you a course career certification so you can continue laddering up in the career world. And also make sure you use the FIS card, if you have a card that builds credit because you can't be trusted with credit. Look what you've done. Okay, so we'll get those resources to you and we'll also get you in the master your money program. Gas, how much on a monthly basis? Vroom, vroom, drive, drive?
1:30:09 Speaker 03 I would say probably budget for around probably 200.
1:30:13 Caleb Hammer? Okay, car insurance?
1:30:15 Speaker 03 Uh, it's under my mom's.
1:30:17 Caleb Hammer? You have every opportunity to do well. $300 for food, TP fund, anything else you need is $500. Medical, healthcare, they're copays, monthly basis medications, urine therapy, how much? Oh, overdrafts was 1,088 this year. 1,088, not 188, 1,088.
1:30:35 Speaker 03 Oh.
1:30:36 Caleb Hammer? Dude, you're, oh my, good luck. No, you put on a good face, but you're, I, I don't get overdrafts at high, that's historic. You're-
1:30:45 Speaker 03 Yeah, I didn't know it was that bad.
1:30:46 Caleb Hammer? Payday loan, good luck. Okay, yeah, yeah, copays on a month, what?
1:30:50 Speaker 03 I would say probably, um, let's see, 150.
1:30:53 Caleb Hammer? Jim?
1:30:55 Speaker 03 Uh, yeah, 20.
1:30:58 Caleb Hammer? Subscriptions, I'll try about 40. Anything else that needs to be in the budget? How much for the dog? Pet insurance is 250.
1:31:07 Speaker 03 I have a cat too. Um, pet insurance and renters insurance is all together, 110.
1:31:13 Caleb Hammer? Okay, hopefully it's good pet insurance. How much for pet food?
1:31:16 Speaker 03 Uh, I only pay for the cat's food, so it's probably only like, uh, 20 bucks a month.
1:31:19 Caleb Hammer? Yeah, but you're about to move out and I don't think he wants the dog, but-
1:31:23 Speaker 03 Oh, he wants the dog. He made it very clear.
1:31:25 Caleb Hammer? What? This makes no sense. I cannot wait to learn about this guy in the post show. Guys, if there was an episode to sign up for Hammer Elite, this is the one apparently.
1:31:31 Speaker 03 It's gonna be the one.
1:31:32 Caleb Hammer? Um, you barely make a wiggle room, but $3,368. But I know one of those debts is gonna fall off soon, the payday loan, but then student loans will replace about half of it here pretty soon as well. So you'll, listen, right now at 3,368, you have 232 left over, you're about to have 432 left over, but at 232-
1:31:59 Caleb Hammer? Student loans is not an emergency payoff, but that's not even included in the 3425 divided by 432. It still takes a really long time. It still takes five years even with the payday loan being gone and not focusing on the student loans at all. The student loans will still be there. Still takes five years. Yeah, it's time that we leverage. We need to just go make more money now. You've just put yourself in a really bad debt situation. That doesn't include collections either, which will keep your credit score low. Now, yes, I would sell the car, get a $10,000 car, hopefully better rate. I don't know with your collections and debt to income, that might be hard, but at least save $5,000 there. Might save us about six months or a year in payment.
1:32:42 Caleb Hammer? That helps. Might be a four-year process. Get a better job, use the certifications to course careers, or work a second job and stop this feet dumbassery, and maybe we get this down to three years. But I think that's our path now.
1:32:56 Speaker 03 Take off and I mean
1:32:57 Caleb Hammer? Or shut the up.
1:32:59 Speaker 03 Come on, you gotta embrace it.
1:33:00 Caleb Hammer? Alright, I'm done. I'm done. Join the post-show. We're gonna learn everything about the guy. Finally, what I want to know. Everything in what this cheating, not cheating bullshit, whatever. I don't. It's gonna be good. Hammer financial score first, though. Spending in a budget. You spent slightly less than you made, but it was more than you say you normally make, but nothing went to actual debt or anything beneficial. So 2 out of 10. Debt, collections, 0 out of 10. Emergency fund, nothing, 0 out of 10. Retirement, dramatically behind at your age. I'll give a 2 out of 10. Real estate, 0 out of 10.
1:33:35 Caleb Hammer? Hit Hammer Financial Score, CalebHammer.com. Hers is a 1 out of 10. Click Join. Join Hammer Elite. Best membership on YouTube. Three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. It's great. See you there. What did he do?
1:33:51 Speaker 03 He is a very artist, but he's an inflation-free artist.
1:33:54 Caleb Hammer? What does that mean?
1:33:56 Speaker 03 It means he likes to make his art very bloated, like balloon-like, and he likes to do that to himself in person, too. He'll do what? He'll take a
1:34:08 Speaker 03 And a hose and put it up his
1:34:11 Speaker 03 and then turn it on and he gets like off by doing that. Oh yeah.
1:34:15 Caleb Hammer? I've never heard of anything.
1:34:16 Speaker 03 Oh yeah.
1:34:17 Speaker 07 Camera Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join and that's a promise.
1:34:34 Speaker 04 Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.
Previous Financial Audit's Most Abusive Husband Next I've Never Seen This Before | Financial Audit Page updated October 31, 2026 · transcript and summary are machine-generated