Financial Audit’s Trashiest Guest

Indexed: 2026-05-22

[00:00:00]I just gives a just work, dude. Just work.

[00:00:03]>> I give a I took the client.

[00:00:05]>> Well, you told Lindsay that you thought your manager was jealous because you think you're better looking and the manager is a naturalb born woman.

[00:00:13]>> She's jealous that I'm a hot [ __ ] >> Your right eye is further from your nose than your left eye. But why were you here at 8:00 a.m. this morning? Cuz you got kicked out of your hotel that we sent you to. You little freak. We sent everyone to like the same few hotels.

[00:00:26]You're the first one to get kicked out.

[00:00:28]But no, no. You got tits as well.

[00:00:29]>> Those were your free.

[00:00:32]>> No. How was it free?

[00:00:33]>> Colorado taxpayers.

[00:00:38]>> Why would I pay for it if I can get it for free?

[00:00:42]>> June 1st, I'm launching the Hammer Elite app available on every major platform.

[00:00:48]Join the wait list by using the link in the description or pin comment down below to get a never-before-seen financial audit video and an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar. June 1st. This is the best membership you'll ever join.

[00:01:10]And that is a promise.

[00:01:13]>> I'm Jade. I'm 28 from Denver, Colorado.

[00:01:15]And you're watching Financial Audit.

[00:01:18]>> Yes, you are. And you're on it. Thanks for coming over to Austin. What are you doing in Denver for a living?

[00:01:24]>> Um, I'm a barber. I cut hair, you know, do men's hair.

[00:01:28]>> Oh, okay.

[00:01:28]>> Like that. You know, >> thoughts.

[00:01:30]>> Turn around. I think you kind of need a haircut. And your neckline's kind of >> I need a haircut. Yes. Let's go.

[00:01:35]>> Yeah. Tell your barber not to block off your neckline. You look like a little boy.

[00:01:40]>> Little boy.

[00:01:40]>> Little boy.

[00:01:41]>> Okay.

[00:01:42]>> It just looks cleaner when you like taper it, you know?

[00:01:45]>> Well, she said I was hotter in person, so I guess she's into the little boys.

[00:01:48]>> I said cuter.

[00:01:49]>> Cuter. That's what you want to hear when you're into little boys, apparently.

[00:01:53]>> Hear me out. You will tell. You will tell kids that they're cute. You don't tell kids that they're hot.

[00:01:58]>> So, barber.

[00:02:00]>> Yeah.

[00:02:02]You know, >> very good. What do you make?

[00:02:05]>> Um, well, I don't I don't really know.

[00:02:07]It depends.

[00:02:07]>> Okay. Well, you know, that's I was a barber.

[00:02:09]>> That's the first question in financial audit.

[00:02:12]>> I'm a tip for you.

[00:02:14]>> Okay. Very good. How much you make on average from your tips and then your commission and then your hourly. You combine it.

[00:02:21]>> I know. If I knew, do you think I'd be here?

[00:02:25]>> Yes, because most people know what they make and they're still >> I do not know how to go through the rest of this conversation without a number I can put down for how much you make.

[00:02:35]>> Guess it's on >> I don't know how reliable the Okay, what what's your hourly?

[00:02:40]>> It would be $1250 an hour commission.

[00:02:43]>> That commission better be good cuz $1250 an hour in Denver ain't going to do [ __ ] >> Well, no [ __ ] >> Yes, >> but I have my own apartment so must be doing something. Most people can get their own apartment.

[00:02:54]>> Not without roommates.

[00:02:56]>> No, you can get an apartment. I mean, they'll >> I'm paying for it. I'm not evicted.

[00:02:59]There's no eviction.

[00:03:00]>> Is that the You want a round of applause for this?

[00:03:05]>> Kind of.

[00:03:07]>> Okay. Well, you're not going to get it.

[00:03:08]That's some basic [ __ ] And I see a behind the payment immediately on the first document, but we'll get into that.

[00:03:13]That's just what's in front of me. So, I don't think there's too much to celebrate here. I'll be completely honest. But, okay. So, you're a barber, but you don't know how much you make.

[00:03:23]Great. Well, >> I mean, I know a little bit.

[00:03:25]>> What do you think? Commission.

[00:03:26]Commission wise, let's let's try that.

[00:03:28]Okay. Wait, wait, wait. Actually, first, $12 an hour. How many hours do you work?

[00:03:31]>> Uh, >> let's start there.

[00:03:33]>> I don't know. 45 a week. I'm always making >> 45 week. That's pretty good.

[00:03:37]>> Yeah. One of the top employees there.

[00:03:40]>> Okay.

[00:03:41]>> Until you got me fired.

[00:03:42]>> You bragging? I don't I got you fired.

[00:03:44]>> Yeah, you got me fired.

[00:03:46]>> I have never been to Denver. So, but your attitude, you know, I was watching you and then I had a little incident with my manager. I don't know. I was >> watching you f What did Were you mimicking my attitude to your clients?

[00:03:58]>> Kind of rubs. Not my clients, to my manager.

[00:04:01]>> Did you tell your manager she was spending out of her budget?

[00:04:06]>> No.

[00:04:07]>> What was the what?

[00:04:08]>> But your attitude.

[00:04:10]I wanted >> When people are being bad, was she being bad? I don't think that's me getting you fired. I think that's you getting fired.

[00:04:16]thinks I have an attitude.

[00:04:17]>> Oh, wait. That mean you do have an attitude problem, by the way. But mine is >> Yeah, but it's deserved.

[00:04:22]>> Well, I was going to say mine comes from how the people act.

[00:04:25]>> So does mine.

[00:04:25]>> Yeah, but I don't know. You kind of came in here like a How do they >> Cuz I said that you were cute.

[00:04:30]>> No, cuz you don't know. You don't know your pay. But now I think we do know your pay. Your pay is >> zero. You got fired >> now. Yeah, but I you know >> Well, but that's that's your income.

[00:04:41]>> I'm going to get on unemployment. I can find a job.

[00:04:44]>> No, no, no, no. But if we're talking how much you make from this job, there is no job.

[00:04:47]>> Well, I'm going to freelance. I have clients that want me.

[00:04:50]>> Okay. So, how much do you make from the clients that want you?

[00:04:54]>> Uh, I3 $4,000 for May.

[00:04:58]>> 3,000.

[00:04:59]>> And that's not including >> Okay.

[00:05:01]>> It's not including my tips.

[00:05:02]>> Cash. Are you not including your tips?

[00:05:04]>> Not cash. There are no tax 3,000. No.

[00:05:08]Huh?

[00:05:08]>> No tax on tips.

[00:05:09]>> Depends your income level, but uh essentially Yeah. I mean, you you'd be fine, but you're right. But no, no, no.

[00:05:15]I'm talking about how the clients are paying you. Your clients, what are your clients? How are they paying you? In what way?

[00:05:22]>> What do you mean?

[00:05:22]>> Oh my goodness. How are you collecting the payment through your CL?

[00:05:26]>> Where are you cutting your client's hair?

[00:05:29]>> I don't know.

[00:05:31]>> I mean, it's not. It could be their hair.

[00:05:32]>> Dude, this Okay, this is going to be an impossible conversation.

[00:05:35]>> I thought about going.

[00:05:36]>> So, you do know.

[00:05:38]>> I have ideas.

[00:05:40]Where did you Where did you cut their hair in the 3,000 hours that you made?

[00:05:44]>> Where was I before?

[00:05:46]>> No. No. You said you made 3,000 directly from your own client.

[00:05:49]>> Going to >> Oh, you're going to?

[00:05:53]>> Yeah, we were just now.

[00:05:54]>> Okay. Where's this going to? Why aren't you now? Why is it going to instead of doing now?

[00:05:59]>> I got fired and then I came.

[00:06:00]>> When did you get fired?

[00:06:01]>> Like a week ago.

[00:06:02]>> It was your attitude >> allegedly.

[00:06:05]>> Okay. Well, I don't think that's me. But why weren't you trying to make any money within the last week? I would have been freaking out trying to cut as much hair as possible. Just let you know.

[00:06:12]>> Cuz I got my tax returns in so I didn't needed to.

[00:06:16]>> What did you get? Did you even claim everything properly? Who even knows?

[00:06:19]>> Yeah.

[00:06:21]>> Okay. How much did you get? What did you get?

[00:06:23]>> That doesn't mean you claimed it properly.

[00:06:25]>> How does it not?

[00:06:27]>> What did you get back?

[00:06:29]>> Federally, I got back close to 3,000 and I'm still waiting back from state.

[00:06:35]Oh, you want to call the manager that fired you in the post show? Okay, she's >> Okay, we probably will. I mean, I love a good fight. I don't think she's a You probably got fired cuz I mean, >> no, she is a >> What did What was her reason when she said you got fired?

[00:06:49]>> Do you want the first incident or the incident that I technically got wrote?

[00:06:52]>> Yes. If you just got fired, tell me. I need to know. I need the whole thing.

[00:06:55]No, that's Come on. That's not possible.

[00:06:58]Don't be a dick. Don't be a dick.

[00:07:00]>> You were not there.

[00:07:02]I literally just said, "Okay." I had a client book last minute. Then he called and was like, "Hey, I'm going to be late. Why are you going to book appointment 10 minutes before something and then still me late? That's so stupid." So, I was just making a comment about how that's annoying. No one was up there except for me, the front desk girl, and the manager. And my manager's like, "Yeah, it's annoying, but we can't change anything about it." Because I knew that policy already cuz I've been there longer than her. I helped open that store.

[00:07:33]>> Um, ego, just [ __ ] work, dude. Just work.

[00:07:38]>> I give a I took the client.

[00:07:39]>> Well, you told Lindsay that you thought your manager was jealous because you think you're better looking and the manager is a naturalb born woman.

[00:07:47]>> I don't care what she is.

[00:07:49]>> But you you said that to Lindsay.

[00:07:50]>> Yeah, exactly. She's jealous that I'm a hot [ __ ] and she can be she's Shrek and not human Shrek. Your right eye is further from your nose than your left eye.

[00:08:01]>> So, >> I bet her proportions are normal. Fine, let me see.

[00:08:05]>> She has Nemo boobs.

[00:08:07]>> I would rather have that than an eye that's trying to jump from my face.

[00:08:11]>> Wow. I mean, I'm just saying >> that is so rude.

[00:08:16]>> Well, a couple you were [ __ ] on her.

[00:08:18]I'm going to [ __ ] back for what it's worth. I mean, if you're trying to talk about looks, I don't even care about the natural. Well, I mean, if I was like shopping for living >> shop for women.

[00:08:28]>> Wow. Male order bride.

[00:08:30]>> Yeah. Well, you know, capitalism >> plays into if I was looking for someone.

[00:08:35]Huh?

[00:08:36]>> I said it plays into the incel energy.

[00:08:38]>> Incel energy. I have a girlfriend.

[00:08:41]>> How much was she? I have to unblock her to find um >> love. But even still, even without the girlfriend, Incel is involuntary celibate. I have never had an issue. Where's my incel energy?

[00:08:56]I even just called you I called you by your preferred pronouns even. How am I possibly incel?

[00:09:01]>> I don't know. I mean, you hate women.

[00:09:03]>> No, I don't. I love women. In fact, I very >> The way you talk about them, the way you talk about their bodies and how you hate fake titties.

[00:09:11]>> I hate fake titties. That's not anything. That's not anti-woman. In fact, I like their natural titties.

[00:09:15]Weird.

[00:09:15]>> I love women in their natural states.

[00:09:17]>> The way that you go on and on and on about it.

[00:09:20]>> Fake titties. You're just insulted because you got some fake titties cuz you couldn't grow them naturally. That's >> because I'm a skinny legend. If I was fat, maybe I could.

[00:09:28]>> I do got some titties. That's true.

[00:09:31]>> Yeah, mine are prettier.

[00:09:33]>> Mine jiggle.

[00:09:35]>> So do mine.

[00:09:36]>> You want to see?

[00:09:37]>> No, absolutely I do not. I do not. I've seen too many unconsensual tits on the show. I talk about men's bodies, too.

[00:09:44]>> It was no unconsensual.

[00:09:45]>> Well, I know, but I'm saying I've seen too many unconsensual. But I do I I rip dudes on their appearance all the time.

[00:09:50]the episode we just uploaded yesterday with >> and is 80% VA cooking disability.

[00:09:55]>> Barely mean to him, bro.

[00:09:57]>> Barely mean >> barely mean to him. You were mean to women more so than you are >> to men.

[00:10:03]>> I don't know. That sounds like you're like a weird terminally on bullsh terminally online [ __ ] because here's what we're dealing with here.

[00:10:12]Here's him. Lowest IQ in financial audit history. Class three on the thumbnail.

[00:10:18]Yes, we were so nice.

[00:10:20]>> Dude, you're just obsessed with being a victim. What are you talking about?

[00:10:25]We're just as mean to everyone. We get more women to come on the show, so we upload more women. You could say that.

[00:10:31]But we're just as I'm just as mean specifically to everyone. I thought you were going to show me a picture of the person that's natural but better.

[00:10:38]>> Okay. Well, then I don't really give a >> So, you think you're fired cuz you were hotter for being not natural. Well, she's natural and not as hot. That's one of the reasons.

[00:10:49]>> Okay. Is it that or is it because you were a to her because you interviewed for the manager position and she got it over you?

[00:10:56]>> Well, no. She was upset that she didn't get a party and no one clapped or no one >> Oh, I think she fired you cuz you were a Because you wanted the job. You didn't get it. She did.

[00:11:07]>> Yes. Because you wanted the job.

[00:11:08]>> No, no, no, no. I Yeah, sure. I wanted the job cuz I've been there since day one. But >> doesn't matter. That's not how people get promoted. that that is not how anyone should I had more clients than her. I had more loyalty than her.

[00:11:21]>> Loyalty loyalty from clients or loyalty to the business. Both.

[00:11:25]>> Um I don't know. That's kind of hard to manage.

[00:11:27]>> I was also a certified trainer. So I was training all the new people.

[00:11:32]>> So I mean >> they probably see her as a better manager. Again, you do have an attitude when everyone hates her at work.

[00:11:38]>> You have an attitude >> when it's deserved.

[00:11:41]when she's coming at me telling me that my health issues don't matter because she didn't feel appreciated at her manager.

[00:11:49]>> What are you talking What even is that?

[00:11:51]>> What do you mean? What is that?

[00:11:52]>> Your health issues are an issue with her getting celebrated by being a manager.

[00:11:55]What the are you talking about?

[00:11:56]>> Uh I went to the urologist cuz I was pissing blood. I'm okay.

[00:12:01]>> Well, did you cut it off?

[00:12:03]>> No, I like sex too much.

[00:12:05]>> That would have done it. But >> done what?

[00:12:08]>> Bleed. But either way, >> I don't know how that's connected to her not feeling happy of the celebration and lack thereof.

[00:12:17]>> Well, I clapped. I told her congratulations in a nice way.

[00:12:21]>> Let's just be honest.

[00:12:21]>> I also rescheduled my uh appointment to be at that meeting for her to show my goodness, what an amazing person. Let's just be very clear. You put it on her, even just bringing up this being more mean to women thing than men, which is just objectively untrue, unless you're weird, terminally online, Reddit brained. The thing is, you want to put yourself in a victim category. I'm sure there'll be a third example here soon.

[00:12:44]You just everything is against you, against the world. You're a immediate victim out of the gate and it's not a good look. You can't take any responsibility. In fact, number three, there it is. You said, "I'm the reason you got fired." You can't take any accountability. You really did become a woman, didn't you? Well, that's the point, right? That's the whole point of being trans.

[00:13:07]>> Okay, very good. So, how the are you going to survive? We don't allow people to come on with a show with no income, but you must have got fired before you even got here, before you applied. Hey, you had to have. Okay, so what's going on? Okay, and then now even more. You're experiencing your your discrimination while working there >> because no one decorated your station for your birthday. Shut the >> That's where it started.

[00:13:31]>> You're not discriminated against. You're not a victim. You're in Colorado. No one gives a >> No one cares. No one gives a [ __ ] that you're trans. Who cares?

[00:13:41]>> I don't think it was because of that.

[00:13:43]>> Then what were you discriminated against for? Cuz you're a woman. Is that what you're saying? No.

[00:13:47]>> No, that's not what I'm saying.

[00:13:49]>> Because you were white.

[00:13:50]>> I'm not white. Actually, my grandmother's full-blooded Cherokee and lived on the reservations. [ __ ] I got 25% native. You're white.

[00:13:58]>> It's cuz I live in Colorado. Go and try and tan.

[00:14:01]>> Denver is still one of the sunnier cities.

[00:14:03]>> Just because there's sun doesn't mean your skin could absorb the rays.

[00:14:07]>> What?

[00:14:08]>> Have you been to Colorado?

[00:14:10]>> No. But I don't think that's what's required to understand >> altitude.

[00:14:13]>> Uh-huh. Closer to the sun.

[00:14:16]>> So either way, >> it because there's less oxygen, your skin cannot absorb the UV rays of the sun.

[00:14:22]>> Maybe that's true. Maybe it's not. I don't really give a what were you discriminated against is my question.

[00:14:26]>> I just think that she's a MAGA supporting dumbass that fires every minority that has worked there.

[00:14:33]>> You're not a minority. Well, I guess trans, but you said that's not even why you were fired.

[00:14:38]>> I mean, it might not be, but like >> your your grandma being 1% native is why you were fired.

[00:14:43]>> My grandma was 1% native. I said she was full-blooded Cherokee and she lived on the reservations. Are you deaf?

[00:14:49]>> Maybe. But >> do I need to speak louder? I just have a hard time listening to this. I don't know. You're just kind of a [ __ ] You're kind of a So, it's difficult for me. Honestly, >> I'm angry. I got fired.

[00:15:01]>> Yeah, but you said it was me.

[00:15:02]>> I'm freelancing and I am going to have income. I already have income.

[00:15:07]>> Well, what? That's what I asked at the first question. But either way, you're discriminated against because you're, let's do the math, 25% Indian like me.

[00:15:14]We're the same.

[00:15:16]>> Okay.

[00:15:16]>> That's why you were fired. You're saying you're discriminated because you're Indian, not because you're a [ __ ] Okay.

[00:15:23]What was your discrimination? No. If you're going to claim discrimination, which might go legal.

[00:15:27]>> I don't. I really feel like she just did not like me and that has to play a part.

[00:15:33]>> Cuz your bad wig like what?

[00:15:35]>> This is my hair.

[00:15:36]>> Oh, and you cut hair. [ __ ] >> You think my hair is bad? Let me see your hairline.

[00:15:42]>> Okay.

[00:15:44]>> Okay. Well, it's not that bad.

[00:15:46]>> No, it's not bad at all. I just got a big sides a little. No, I'm getting a couple grays, but I'm just I thought it was a wig.

[00:15:51]>> No, you didn't.

[00:15:53]>> No, I I thought it was a wig.

[00:15:56]>> Okay, you can keep telling yourself that, sweetie.

[00:15:59]>> It's It's I didn't even tell myself this is I thought it was. That's fine. It does. Now you've corrected me. Now I know it's not. It's okay.

[00:16:07]>> No, the discrimination thing. I just don't get it.

[00:16:10]>> Call discrimination.

[00:16:13]>> Okay. So, this is why no one believes anything anymore. You've ruined it. When people claim Yeah. When people claim victimhood and discrimination, no one believes it because of people like you.

[00:16:23]Now you're just saying anyone can claim discrimination, but you can't even tell me what you're discriminated on. It's like, yes, you're the reason >> different things, >> but you can't give me anything. Tell me something.

[00:16:33]>> Well, you said it was stupid that I didn't get my station decorated for, but they do it for everyone.

[00:16:39]>> What was the discrimination?

[00:16:41]Why were you discriminated against specifically? You already said it was cuz you not because you were trans. You said she's MAG or something. I I don't know what that what were you wearing a Biden or a comma shirt.

[00:16:51]>> E no.

[00:16:52]>> What the what the what the what you So that has nothing to do with anything then. So what were you discriminated on?

[00:16:58]If you're going to claim that if you're going to claim victimhood on everything, what were you discriminated?

[00:17:03]>> I mean it's hard to say. It could be the trans thing. It could be.

[00:17:07]>> Then you weren't disc Shut the [ __ ] up.

[00:17:09]>> It's just fishy that I was such a good worker. I had a client >> to you. You thought everyone thinks they are.

[00:17:17]>> That's why all my clients are pissed off that I'm not there anymore. They've all hit me up and I'm freelancing and I'm gonna have >> Yeah, maybe. But you're also the disgruntled former employee. That always happens to everyone who got fired.

[00:17:28]Welcome to every fired employee ever. It means nothing. You can't even claim discrimination. You try to say it was my fault. Saying it's cuz she's MAGA.

[00:17:37]You're saying it's because uh because she thinks you're prettier than her. The naturalb born in your words to Lindsay.

[00:17:44]I guess I I don't know. You keep it's just so many different things. I don't know. You're victim and everything. No personal responsibility, no accountability. You throw it to me. And again, it just makes no sense. It's lining up with everything. I'm sure there'll be victimhood on this. You're saying I'm meaner to women. No, this is I'm meaner to you. Cuz you're cuz you're a [ __ ] Cuz you're delusional. Cuz you're up. Just like the guy yesterday, too. You're just a victim. Want to be victim. You can't describe anything. How did I get you fired? No. Cuz my attitude. No. You're a >> She rubbed off on me.

[00:18:14]>> Yeah. And I don't treat people like that.

[00:18:16]>> Yes, you do. You were >> on the show.

[00:18:19]>> Like [ __ ] >> On the show that you signed up for. Yes.

[00:18:23]I'm saying to my manager, to my boss, anytime I've ever been in those situations, no. To a police officer GETTING PULLED OVER. NO, I KNOW WHEN TO AND WHEN NOT TO. You're just You don't know how to >> What do you mean coming at you >> like in a condescending? Tell me.

[00:18:39]>> She's coming at me with attitude. Like when I said when I told her okay, she literally was like uh it had this [ __ ] about probably like okay.

[00:18:47]>> I just said okay and I walked away.

[00:18:49]>> Doubt it. Highly doubt it. No one.

[00:18:50]>> Well, you're going to fire somebody for saying okay.

[00:18:52]>> Because you probably had an attitude.

[00:18:54]What would she say?

[00:18:56]>> What do you mean? What did she say?

[00:18:57]>> What would she say if we asked her right now? I know we're calling her in the post show, but if we asked her right now say that I had an attitude and that I you know I was not I didn't fit the culture or the that me.

[00:19:09]>> Okay. And what about your previous job?

[00:19:10]You said you were sexually harassed by a massage therapist when you were working at a med spot.

[00:19:14]>> I was.

[00:19:15]>> Okay. What happened there?

[00:19:16]>> Me and everyone else.

[00:19:17]>> And everyone else?

[00:19:18]>> Well, me and a few other girls.

[00:19:20]>> It was like everyone else. But >> what what actually happened? Because to No, no. Before you actually say before you actually say it, cuz this is cuz sexual harassment very bad. So, it's discrimination. So, it's discrimination.

[00:19:31]But going off of where you are and your mindset and how you are essentially destroying our culture with your like false claim [ __ ] because you just said the discrimination now you are what has diluted that entire conversation cuz you couldn't describe discrimination of any kind and now it's just impossible to believe you on anything. So what was the sexual harassment? Try to not over sensationalize.

[00:19:52]>> Okay. Well, I'd have this massage therapist that constantly be like, "Jade, when are you going to let me touch you? When are you going to let me rub you down?" And then he was also gross. smelt like Bo.

[00:20:01]>> Was it If he was hot, how would you have felt?

[00:20:03]>> I mean, those questions are still not how you're supposed to ask.

[00:20:06]>> Oh, that's Thank you for answering that question like that.

[00:20:10]>> It's the meme. It's the workplace meme.

[00:20:13]Like, hey, Sharon or Shannon or whatever.

[00:20:16]>> Who cares though, you know? And I told him multiple times to stop. He would come up behind me and where we would do laundry and touch my back or my ass.

[00:20:24]>> Why didn't you start with that? If that's actually that's actually like that might be even like assault more than anything. But you didn't start with that. You said you started with a question. You see how I can't trust you.

[00:20:34]You see how people like you have ruined all all trust in this world for claims.

[00:20:39]>> I've ruined all trust in this world and claims I didn't >> how >> with your discrimination thing this sexual harassment thing. You started with he was stinky and nasty and said he wanted to give me a massage and then after I pushed back on that you're like well no he also came up behind me and grabbed my ass. It's like you had to push the goalpost because >> I was getting >> your original claim was obviously nothing.

[00:21:01]You've ruined drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with skyhigh interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, "Yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a highinterest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that, too.

[00:21:59]Plus, their team is in Phoenix, Arizona.

[00:22:01]So, when you call them, you talk to a real person. It only takes 3 minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try yi. Head to yrefi.com/hammer.

[00:22:11]That is y.com/hammer or call8 yrefi78. That is 888 yrefi78.

[00:22:18]break free from the high interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app. You start with the classic one, WAB, but everyone just deletes it because it's way too complicated to use. So, you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage.

[00:22:44]Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Wise.com.

[00:23:10]Link in the description below.

[00:23:12]>> Even if what? Even if he actually did that, which would be very wrong. and I would be against them and I'd beat his ass for you. You've made it so it's impossible to believe because you're over sensationalizers. You're moral [ __ ] You're weirdos that have ruined our culture online in our country.

[00:23:29]>> It has not ruined our culture >> with your claim of discrimination and claim it yet >> on the show. Here you did. And then you said, "Well, because he was stinky and said, when are you going to want to get a massage?" That's how you open a massage. We don't want to get rubbed down, which is weird. But then you said, which is bad because he's stinky.

[00:23:47]>> I didn't say it's bad cuz he's stinky.

[00:23:49]>> Kind of. That's how we were saying he is. Like that's how you were kind of trying to paint the picture. Okay.

[00:23:54]>> That's how you were framing. Exactly.

[00:23:56]That's what I'm saying. That's how I'm saying. But your attitude of you being a [ __ ] Guess what? You're not a victim before filming this episode. Why were you here at 8 a.m. this morning? Cuz you got kicked out of your hotel that we sent you to. You little freak. We sent everyone to like the same few hotels.

[00:24:10]You're the first one to get kicked out.

[00:24:12]Well, there >> I don't think other people are the problem. So, how are you the victim in that? How are you the victim in that?

[00:24:18]Let's hear >> us at first and be like, "Hey, we just want to know you can help us out because we had no hot water. We had no AC. The microwave wasn't working."

[00:24:28]>> Comfort Suites.

[00:24:29]>> What? That's not where we sent you.

[00:24:31]>> Well, I didn't book it.

[00:24:34]>> What are you talking about? Okay. Okay.

[00:24:36]Okay. So, you were being nice.

[00:24:38]>> Well, actually, the water just wasn't hot enough. It's It's not that >> It literally was not working. I tried it for 30 minutes.

[00:24:44]>> But go ahead. Continue. You are a goal post pusher the moment you get any kind of push back. But go ahead.

[00:24:50]>> Story changes at all times. Continue.

[00:24:52]>> And then he was >> How are you the victim in this? Yes.

[00:24:54]Let's learn.

[00:24:55]>> Do we tell him what was going on?

[00:24:56]>> Was he stinky and gross?

[00:24:58]>> No. But he was rude.

[00:25:00]>> He immediately was like, "Uh-uh, no.

[00:25:02]We're not doing [ __ ] for you. We already gave you >> the hotel. But the guy at the front desk is not saying that.

[00:25:07]>> He didn't say [ __ ] But like he still is just like we >> And this is why we can't believe anything. This she is this is the person on TikTok who is trying to cancel someone for like rubbing up against her in a subway. This is the person on Reddit who is trying to hold everyone accountable. This is the person that has ruined all all things in our cancel culture [ __ ] There was a correction that happened with cancel culture and it was good cuz many people were not being held accountable but it went way too far with people like you who just claim victimhood on everything. The moment you get push back you have to make up.

[00:25:43]>> I don't claim victimhood.

[00:25:45]>> What? That's all you've done for 22 minutes now.

[00:25:48]>> But sometimes you know I am the victim.

[00:25:51]I literally was sexually harassed and then I literally had a manager that had to get out to get me and >> then now this guy was a complete dick to you and then he actually really said nothing. No, he was rude. But you just said he said nothing. He told me I was not allowed to talk. He was only going to talk to my friend cuz she's passive.

[00:26:08]>> Yes, because you were probably being crazy. Absolutely. That's a fair response.

[00:26:12]>> No, I just said the f word. I said we had no hot water.

[00:26:15]>> Oh, come on. If you're going down THERE LIKE I WE DON'T HAVE ANY HOT WATER.

[00:26:19]>> THAT'S NOT HOW I SAID IT TO HIM.

[00:26:20]>> You're right. You were probably a sassy.

[00:26:22]Even worse.

[00:26:23]>> No.

[00:26:24]>> No [ __ ] No [ __ ] He was like, actually, I'm going to talk to your friend cuz you're being too much.

[00:26:29]>> Well, no. It's cuz he tried saying that we act that the shower worked. It didn't work. We had no hot water.

[00:26:35]>> I don't believe you. You've ruined all credibility.

[00:26:37]>> That's why when we when I went back to get my charger, they were fixing the sink or the faucet and the >> So why the did he kick you out?

[00:26:47]>> Because he wanted to because they were probably fully booked and they wanted to fit in.

[00:26:50]>> What was his reason? Okay. I'm being told they threatened to call the police.

[00:26:54]They wouldn't threaten to call the police because you said >> it is true.

[00:26:57]>> No, they would not say that. See, this is why I can't believe anything you say.

[00:27:01]>> We don't want to go get them. There's cameras in that house.

[00:27:03]>> This is why I can't believe anything you say. They would not threaten to call the police because you say, "We don't have any hot water."

[00:27:11]>> That would not happen. In no real world would that happen.

[00:27:14]>> Well, I guess we're not in the real world.

[00:27:15]>> He gave you 30 minutes to leave.

[00:27:17]Threatened to call the police. This would not happen if you just said a bad word.

[00:27:21]>> Yeah, it is though. I said it twice. And >> Should we call the hotel and ask?

[00:27:25]>> I mean, if you want.

[00:27:27]>> What would they say? I don't know. They probably would be confused.

[00:27:31]>> Well, they have weird shifts there. I don't know. I need to know exactly what hotel it was.

[00:27:36]>> It was Comfort Suites Austin Airport.

[00:27:39]>> Austin airport.

[00:27:41]>> Yeah, cuz we're in Austin.

[00:27:42]>> Yeah, this is not where we really >> That's by the airport.

[00:27:45]>> Yeah, I know. This is not where >> the hotel that you said uh was expensive.

[00:27:51]>> Yes, but we It's reimbured. Yeah, but you have to have the to have the money in your account >> to buy the ticket, which I didn't.

[00:28:00]>> We don't know if you guys are going to cuz you guys are the least reliable people you can believe.

[00:28:06]>> You guys don't answer front desk and all other inquiries. Please press two.

[00:28:14]>> Good morning. Thank you for calling comfort airport. This is Tina. May I assist you?

[00:28:17]>> Hi Tina. Are you working at the front desk?

[00:28:21]>> Yes, sir.

[00:28:21]>> Hi Tina. There was an incident this morning with uh they are guests on our financial audit show here in Austin. We put them up in Comfort Suites airport. They were kicked out and threatened to call the police on them. I was wondering if you could give me more information on that since uh that's where we booked them.

[00:28:41]>> Uh the GM was trying to explain they were trying to get a comp night for when they stayed the first night because they didn't have no hot water. that their shower wasn't working. We moved them. As soon as we moved them, maintenance went in to check uh that room that they were in. Everything was working. Uh we did move them into a bear suite. Uh and so they were trying to pump that or get a late check out for tomorrow. And my GM told him that was not possible. And then her guest uh decided started talking and he asked her to to to hold on because he was speaking to I believe was the one who made the reservation and her guest language towards him several times and he asked her to stop and she continued. So he asked him to leave.

[00:29:29]>> What?

[00:29:30]>> Because he did not want to.

[00:29:33]>> Oh, okay. So she was being disruptive.

[00:29:37]>> Yes. the guest of West.

[00:29:39]>> Okay. Well, what kind of language was she using? Was she being hostile towards >> She was she was uh testing. I'm not I'm not sure. I was here, but I was and doing other stuff, but I know that was the altercation this morning.

[00:29:54]>> Okay. Is uh is your coworker okay?

[00:29:56]>> GM?

[00:29:58]Uh it was our GM.

[00:30:00]>> Is your GM okay?

[00:30:01]>> And he is Yes, he is fine.

[00:30:04]>> Okay. Anything else we should know about this?

[00:30:08]>> Uh, no sir. If you have any more questions, you can call our GM, help me back uh here in a little while or first thing in the morning. You went to another property.

[00:30:16]>> Oh, okay. Understood. It was the GM.

[00:30:18]Wow. Okay. The the the the call of the threatening to call the police is what kind of concerned me here. Um, why did it get pushed to such extreme level? I'm wondering.

[00:30:29]>> Yeah, that's something you would have to ask. And like I said, I was here and that was kind of what I heard going on, but I was sending to other guests and you know, I was here at the counter as well, but you know, there was so much going on this morning.

[00:30:40]>> Okay. So, just confirming one more time.

[00:30:42]So, they stayed there. Um, and they were essentially trying to, it sounds like, rip the system a little by trying to get the room comped that they were in because they were complaining about not hot water. And then you guys went in, found there's hot water. And so, you actually found out that they were lying about that so that they could get a free >> Yeah. And then they were we were moved them to a bigger suite.

[00:31:06]>> Oh, you moved them to an additional suite. Okay. Okay. Thank you for the confirmation. I really appreciate it.

[00:31:12]Mhm. Okay.

[00:31:14]>> You're not a victim. You're a lying [ __ ] And I don't believe anything you've said about any allegations in the past about anyone around you. You're a bad person and no one believes anything because of >> like you.

[00:31:23]>> I'm not a Tad.

[00:31:24]>> Well, I also heard you're kind of Didn't you guys have like methodone on you?

[00:31:29]>> What?

[00:31:29]>> Or something like that?

[00:31:30]>> No.

[00:31:31]>> My security guard told me.

[00:31:32]>> What?

[00:31:34]No.

[00:31:35]>> I'm just saying he told me it's the first thing first thing that happened when I walked in.

[00:31:38]>> I'm not okay with that. is not in my bag. That is not I am not a that addict.

[00:31:43]>> Okay. Okay. I'm just saying >> I don't even know. Like >> I don't know. I'm just saying that's literally the first thing he told me when I walked in the door and then I told Brandon. So like I wasn't making up that that happened. I will believe you that didn't I will that's fine. I'll believe you that that did not happen.

[00:31:58]But uh I'm just saying my security guard told me that.

[00:32:01]>> Okay.

[00:32:02]>> So you lied to me which means I unfortunately can't believe your assault thing which unfortunately also means I can't believe your harassment thing or your firing thing.

[00:32:10]Don't believe women liar. Don't believe you're the reason why people won't believe women. You are the reason. Yes.

[00:32:17]Do you not get this? Do you not understand this? I've had this happen to me and people around me. People like you are horrible. You've ruined it. You have a slightly negative experience. You over sensationalize it and you destroy our culture.

[00:32:30]>> They can't handle >> sensitive. You tried to get a free room.

[00:32:32]They moved you to a bigger better suite.

[00:32:34]>> We tried getting the first night comp because I didn't have a hot water to take a shower. They went there and they proved that it was wrong and they put you guys in a bigger suite. Anyway, you guys are trying to milk the system and get some free money. You disgusting, degenerate piece of [ __ ] >> They're annoying.

[00:32:51]>> I'm annoying cuz you got called on your [ __ ] for the first time in your life.

[00:32:54]>> No, not the first time.

[00:32:55]>> So, you probably deserve to get fired.

[00:32:56]You probably were not harassed. No one believes you. And unfortunately, no one believes anyone anymore because of people like you. You Reddit Tik Tok brain freak.

[00:33:05]>> You're a piece of disgusting [ __ ] So, I'm glad you got fired. I'm glad you don't have money to pay for this. I'm glad I got You're a bad person because I think you're going to make $3,000 a month now. How are you going to do that?

[00:33:14]Your little clients, your little clients, little freelancing, but you haven't made a penny. You haven't made a penny. Where's your penny? Where's your money? How are you going to make 3,000?

[00:33:20]You don't have a plan. Where's your plan?

[00:33:21]>> I don't have a plan. I can go to their house. They can come to my house.

[00:33:25]>> I have my tools.

[00:33:27]We're >> That's it. You have no Do you have anything on the books? You have anything on the >> clients on the books?

[00:33:34]>> Okay. But I'm being told you're planning on moving to New Jersey immediately anyway. So, how the you get You're not taking your Colorado clients there.

[00:33:40]>> No, some of them will come out there.

[00:33:42]>> No, they No, they will not for a barbarous appointment. No.

[00:33:46]>> Okay.

[00:33:48]>> No, they won't.

[00:33:49]>> You think?

[00:33:49]>> No one's going to.

[00:33:50]>> A couple of my clients would.

[00:33:52]>> Why?

[00:33:53]>> Just because they love me.

[00:33:55]>> You're delusional.

[00:33:56]>> I'm delusional?

[00:33:57]>> Yes, you're delusional.

[00:33:59]>> That's why they're texting me asking where I'm going, how how you know, all that stuff. Okay.

[00:34:04]>> Cuz they probably want you back to get the haircut. I could believe that. But they're not going to fly to New Jersey for a haircut.

[00:34:10]>> I didn't say all of them wear, but a couple or two.

[00:34:14]>> Do they get anything on the side?

[00:34:16]>> No.

[00:34:16]>> Then why would they? It makes no sense.

[00:34:18]It's a haircut.

[00:34:21]>> Haircut?

[00:34:22]>> Why are you moving anyway? You don't have money to move. How are you going to move? You don't You're not gonna afford to move.

[00:34:27]>> How are you gonna have What are you gonna >> I have my taxes. I have >> Aren't you have to get like a new license over there state by state? Okay.

[00:34:34]So, your taxes, how much did you get?

[00:34:36]>> Um, in total, it'll be like 4,000.

[00:34:38]>> How much is left? How did you even get that back? Why? Why? Why?

[00:34:41]>> Because it's tax. There's no tax on tips. They had like the deduction.

[00:34:44]>> What? Did you claim your tips? Did you pay money for your tips?

[00:34:49]>> Hard tips. I claim.

[00:34:52]>> Okay. So, it was automatically withheld from your tips. So, that's why 4,000. In fact, 4,000's just a lot. What the Okay.

[00:34:58]I mean, for what it's worth, you're in the body bottom 50% of earners and the bottom 50% of earners only contribute 1% to the federal income taxes. So, we do have the most progressive income tax structure in the federal government in the Western world. So, we're essentially redistributing wealth to you. You're welcome. I just wrote a big check.

[00:35:16]Congratulations.

[00:35:16]>> Thanks.

[00:35:17]>> Yeah. So, with that, you're going to get a job in Jersey then. So, that's how we're going to pay off our debt. So, you're getting a job in Jersey?

[00:35:28]>> Yeah. I mean, cost of living and um >> What about cost of living? New Jersey is more expensive.

[00:35:33]>> No, it's about the same >> in Colorado.

[00:35:35]>> Yeah, Colorado's expensive.

[00:35:37]>> It is, but East Coast is like besides like >> It's literally around the same. My best friend lives in New Jersey.

[00:35:44]>> Where in New Jersey?

[00:35:45]>> Uh Wanq is Do Do you need help spelling?

[00:35:50]>> Yes. W A N A Q U E. I think I'm dyslexic, so you're asking the wrong person for spelling.

[00:35:59]>> Okay. Well, let me pull up some data on that. But Oh, wait. What? But you just got an email yesterday saying that you're not able to get rehired at any location due to the nature of your separation. Oh [ __ ] So, this is a chain >> and you were going TO TRY TO GO >> WHEN I was working.

[00:36:17]You're a [ __ ] >> No, I don't. I don't deserve you. Yes, you do. You're a cous.

[00:36:22]>> Yes, absolutely. What's this chain?

[00:36:23]Doesn't matter anyway. You're not going back. What's the chain?

[00:36:25]>> Scissors and scotch.

[00:36:27]>> What?

[00:36:28]>> Never heard of this in my life. I know.

[00:36:29]I've just never heard of it.

[00:36:30]>> Oh.

[00:36:30]>> Um, >> they cut hair and they have a bar.

[00:36:33]>> Okay. No. Uh, so Denver is 10% above national average. The Wanq is 29% above national average. No, it's it's 15% higher.

[00:36:43]>> But when you actually have somebody that lives there, they can kind of change.

[00:36:47]They can tell you how much rent is. I go there all the time so I know how much groceries are.

[00:36:51]>> Guys, because she knows one someone the statistics are just incorrect. That's is actually that's how it works.

[00:36:57]>> That's how it goes. That's how it works.

[00:36:58]>> It's a 15%.

[00:37:00]>> She's live data though. What did you use?

[00:37:03]>> Chat GPT a search engine. Yes, we search. I search >> you're too because >> you're just using AI.

[00:37:11]>> What do you as a search engine?

[00:37:13]>> A real human that lives there. You're using an anecdotal example versus where it pull Let's see where it got the data from. Okay, this came from bestplaces.net. Where does bestplaces.net take aggregate their data?

[00:37:25]>> I don't know.

[00:37:26]>> I'm asking in general. I also >> She lives there and her rent is about the same as mine. Groceries are about >> and apartments.com and Red Fin, >> but she literally >> property tax organization. Oh, and the Census Bureau, you know, I'd say census.gov is pretty good at that. So, actually, it's confirmed by multiple choice uh sources.

[00:37:47]>> Depends on where you're at. And those >> I did the metros for both of them. I did the metros.

[00:37:51]>> It's always gonna depend a little bit more than where at where it's at, but it is 50% higher cost of living >> at the same time. She says >> with no job lined up.

[00:38:00]>> I could find a job anywhere.

[00:38:01]>> No, you can't. You actually just got told you're not going to be hired from those chains. So, >> and like >> wait.

[00:38:08]Oh, okay. I read that wrong. Yeah. The company you got fired from has multiple locations. I read it as he got fired multiple times.

[00:38:13]>> No. Okay. So, yeah, you're going to transfer salon, but you're not doing that cuz they're not taking you back cuz you're impossible to work with.

[00:38:20]>> That was before I thought about New Jersey. That was a different state, but I have >> So, what's your plan for New Jersey?

[00:38:27]Please tell me. So, tax return, you got 4,000.

[00:38:30]>> Yeah.

[00:38:30]>> How much is left?

[00:38:31]>> Um, three.

[00:38:33]>> Wow, that's going very quick in a matter of like a week.

[00:38:36]>> Well, I had to pay Well, it's probably less than that cuz I had to pay rent.

[00:38:39]>> Less than that. So, what is it? 2 250?

[00:38:42]>> Yeah.

[00:38:42]>> 2500 or two? 2500.

[00:38:44]>> Okay. At that rate, that will be gone in about a week and a half. So, you're >> Yeah, maybe. I'm a >> No. Yeah. So, what's your plan? What's your grand cross country plan in?

[00:38:53]>> No.

[00:38:53]>> I have a finesser.

[00:38:55]>> Huh?

[00:38:56]>> I have simps that just like giving me >> Oh my Why is it the ugliest people that get the most money? It makes no sense.

[00:39:01]This happens every I mean, come on. Yes.

[00:39:04]Ugly. Come on. Yes.

[00:39:06]>> Okay. Which honestly again I know I'm like I mean I'm I'm large so it's just I'm not a 10 out of 10 either but following the logic of the show that actually means I could make the most amount of money >> people in Austin and yeah I'm not ugly.

[00:39:19]>> Austin's one of the youngest cities actually incredibly stunning. Beautiful.

[00:39:24]>> I don't think so.

[00:39:25]>> Okay. But that's because you look in the mirror with that haircut and think it's good. So yes, we're not ding you as a single.

[00:39:31]>> No. Your haircut looks stupid too. Are you 14 with your broccoli top? Is it a broccol broccoli tops like this? I just have a little curl.

[00:39:38]>> I cut exactly the little 14-year-olds are perming their hairs.

[00:39:43]>> Do you want to know the lore behind the perm? I'll tell you the perm.

[00:39:47]>> People Well, people think it is weird validly that I perm. It's cuz I was dared to do a perm.

[00:39:51]>> You were and you kept up with it.

[00:39:53]>> So, I was dared to do a perm for the first time. So, I did it and the week after I did the perm is when I recorded my first YouTube video. So, it just kind of cemented that as my hairstyle. So, I'm just like, [ __ ] I'm locked in.

[00:40:02]Plus, it's so much easier than styling your hair. Just go. So, okay, you're somehow sing, which by again that logic, I guess I could make a [ __ ] ton of money.

[00:40:11]>> Don't really understand it.

[00:40:12]>> It kind of just depends on what I need and how much. I don't even have to do anything. They just want to talk to me, >> you know. Also, we're just we're not considering your opinion on what people look like valid.

[00:40:23]>> Okay. I'm not taking >> your eyesight's, man.

[00:40:26]>> Yeah, I'm wearing contacts.

[00:40:28]>> You see like 10 people at once looking in 50 different directions. Okay, >> that shit's going to be on the back of your head before the year's done.

[00:40:34]>> Yep. And then Yeah, I >> That shit's traveling. So either way, how much are you making from these um sugar daddies, of which I'm sure you provide sugar for?

[00:40:45]>> Actually, don't.

[00:40:46]>> They're not sugar daddies cuz they're like my age.

[00:40:49]>> Fine do. Very good. How much? By making them come.

[00:40:54]>> If they come on their own, that doesn't make me a They're in their room gooning.

[00:40:59]>> Oh, so it's for images. Not all the time.

[00:41:02]>> Sometimes it's just to talk to me. I literally have a guy that's like, >> "Congratulations. You're paying for fake tits and a dick."

[00:41:09]>> Some guys like that.

[00:41:10]>> Some guys like that. What can I say?

[00:41:12]That's very >> likes saggy titties and men.

[00:41:16]>> No, I I like them. Perky, but real.

[00:41:18]>> Okay.

[00:41:19]>> Wait. And what?

[00:41:20]>> And guys?

[00:41:21]>> No, I'm not. I'm not. But I appreciate Yes, I am. Sure. I know. Haha. It's the meme. It's the financial a meme. I think it's I think it's the fact that you tell everybody that you dudes in high school or college, whatever.

[00:41:32]>> One, I've never said that, but I thought I was by in high school and early college. Yeah. Never said what you said.

[00:41:37]>> You didn't them. You were the bottom. I got it.

[00:41:39]>> No. Okay. No. And also never did that.

[00:41:42]But I appreciate it. And it doesn't matter either way.

[00:41:45]>> Either way, it doesn't matter how much you making from the sugar because >> that's all there is right now. That's all there is. That and me redistributing my wealth to you, >> I suppose. I mean, you know, so how much are you making from the sugar? Come on.

[00:41:59]5 minutes. I need >> average.

[00:42:02]>> On average, like a grand.

[00:42:05]>> So, what's your cross country plan? Cuz you're not getting there at this rate.

[00:42:08]You're blowing through a grand and a half a week.

[00:42:10]>> I'm going to I'm going to start freelancing, taking my clients here, saving up money. Then I'm going to go move.

[00:42:16]>> So, when are you moving then?

[00:42:17]>> I haven't made that decision yet.

[00:42:18]>> Oh, you're so >> Cuz you haven't made a penny freelancing yet. So, you haven't proved it. You haven't proved the model. Well, I thought about just breaking my lease and going to hang out with or cuz my friend said I could stay on her couch for 3 months to get, you know, income in Jersey.

[00:42:31]>> What's that going to be? Is it going to be free? But you don't even know when you're going to move >> crash on her couch.

[00:42:36]>> You don't even know you're going to move there.

[00:42:37]>> Yeah. Well, like >> when you don't. So, it's just it's it's difficult.

[00:42:41]>> I'm going to I could break my lease and go tomorrow.

[00:42:43]>> Break your lease? Where do you have the money to break your lease? It usually costs like a couple months of rent.

[00:42:47]>> I just told you I I'm a finesser. I have Sims.

[00:42:51]>> No. Yeah, but that's What's your rent?

[00:42:53]Um 1,600.

[00:42:56]>> Dude, that's gonna cost like maybe like four 4,500 to break your lease.

[00:43:00]>> Okay. Well, I mean, >> you simp for a,000 a month.

[00:43:03]>> I didn't say a month.

[00:43:04]>> Yes, you did.

[00:43:05]>> I said each time.

[00:43:07]>> What? A,000 for a couple pictures?

[00:43:09]>> I didn't say anything.

[00:43:09]>> Now, what do you get? What do they give for a,000? Come on, be honest.

[00:43:13]>> It really depends. I literally have guys that will just send me like $100 for breakfast.

[00:43:17]>> No, it's not a thousand.

[00:43:19]>> I I That's why I said it depends. You said each time when you get a,000, what have you done for that?

[00:43:25]>> Asked for it.

[00:43:28]>> That doesn't make sense.

[00:43:29]>> You know, sometimes I just >> So you can get $4500 today.

[00:43:33]>> Sometimes I spend money elsewhere and I over.

[00:43:35]>> How are you finding them? These pathetic worms.

[00:43:39]>> They just come up to me. Sometimes they're at the bars.

[00:43:42]>> Incorrect.

[00:43:43]>> What do you mean incorrect?

[00:43:44]>> That doesn't happen.

[00:43:45]>> It doesn't happen. Guys don't approach me at bars.

[00:43:47]>> You correct.

[00:43:48]>> Okay, got it. That's who paid for this pedicure.

[00:43:53]Don't look at my feet.

[00:43:56]You didn't pay for that.

[00:43:58]>> I don't know. I didn't ask. You paid for it.

[00:44:00]>> Fine.

[00:44:01]>> Ask one of them for uh $500 right now.

[00:44:03]Let's see if you get it by the time this episode ends.

[00:44:06]>> Okay.

[00:44:06]>> Yeah. 500 bucks. Hey, baby. Need some money. However you do it. I don't know.

[00:44:11]>> June 1st, I'm launching the Hammerly app available on every major platform.

[00:44:16]exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but limited to the first 1,000 people to purchase. For a onetime payment of $500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with merch you can't get anywhere else. You'll get a limited edition Caleb Hammer commemorative coin, a budget planner notebook, a Caleb Hammer credit card skin, Caleb Hammer emoji stickers, a limited edition Caleb Hammer plushy, a limited edition Hammer Elite mug, a limited edition Hammer Elite hat, all packed inside a custom merch box. Once all 1,000 boxes are gone, this offer is gone forever. Join the wait list by using the link in the description or pin comment down below. So mark your calendar. June 1st, this is the best membership you'll ever join, and that is a promise. That's kind ofing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use.

[00:45:22]Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below.

[00:45:34]Yeah, I want to see this. I I want to see it. What?

[00:45:38]>> I want to see that message.

[00:45:40]>> Oh, >> I'm looking at this chat and I might regret it in many ways, unfortunately.

[00:45:45]But for you, my content friends out there.

[00:45:54]Hey, could you help me out here and send me like $500? Okay, I'm pushing send.

[00:46:00]>> Okay, >> good. Wait, how do we if you don't want to see anything?

[00:46:03]>> No, no, no. I just Okay.

[00:46:07]Okay, but let's just see general chat.

[00:46:10]Uh, okay. Okay. Safe, safe, safe, safe, safe, safe. Good. Okay. Got a client at 2. I need to get ready the near downtown. Giving myself the time to drive. Let me know and hop and I'll hop in the shower. On my way. Okay. So, you him for the month.

[00:46:26]>> No, I don't him. We literally just hung out and smoked a blunt.

[00:46:30]>> Oh [ __ ] I'll open the door, run up, and shower. Why are we all showering then?

[00:46:34]>> I'm not showering.

[00:46:34]>> An Uber to you. Okay, BB, I'm hoping.

[00:46:37]Anyway, I'm already just got here.

[00:46:39]>> And he was also somebody that I actually gave a chance to and he >> So, you have Have you >> I can't No.

[00:46:48]>> Okay. Well, here's the conversation for the money. Okay, hold on.

[00:46:54]>> What is this? There is a picture that was sent. It was this. It was a picture of me and she said this. Lol.

[00:47:05]Excuse me.

[00:47:07]>> He asked me who I was watching.

[00:47:13]>> Absolutely. Excuse me right now. Thank you.

[00:47:16]>> I forgot that was there.

[00:47:18]>> Okay. See, I know you're a liar. Um, do you sell pics? Haha. I mean, I have guys try to get me, but I don't be giving them the time of the day. So, yes, I do.

[00:47:29]You said.

[00:47:30]>> And I mean, I have, you also said, huh?

[00:47:33]Interesting. Thank you so much for giving me the time of day. I actually care about you.

[00:47:38]>> Also, picture >> nothing will truly come from this unless we both make some serious changes and and he's like, "Yeah, I'm a swinger, >> so I'd want to do threesomes. I'll do 300 if you come over and 100 if you do tomorrow."

[00:47:48]>> And I didn't do that.

[00:47:50]>> Yes, you did. Cuz he said the money and you did go over, >> but not no weird threesome.

[00:47:54]>> Oh my goodness. Wait, what's this?

[00:47:59]But yeah, it was a nice night. Even the sexual part. You liar. You liar. This is why I go through the text, ladies and gentlemen. This is why I go through the text.

[00:48:10]>> But this is also a dude that I like actually wanted a relationship with, but because he's into open relationship.

[00:48:15]>> But you also said yes, you others often.

[00:48:17]And have other sims.

[00:48:18]>> I didn't say often.

[00:48:20]>> Yes, you did. It's here.

[00:48:23]>> Often's not there.

[00:48:25]>> He responded. Let's see. Are we getting $500, ladies and gentlemen, or not? He said, "Haha, what's going on? Just so I can pay a bill that's hitting later today, babe."

[00:48:40]>> Yeah, that's fine. Like I said, he was somebody I actually wanted this.

[00:48:44]>> He was somebody that I actually wanted a relationship with.

[00:48:47]>> Yeah. And he wants to suck your >> Well, that's what you do in relationships. You have sex um >> for money.

[00:48:53]>> No, but like you have sex with your girlfriend. If she was down bad, wouldn't you give her a little money?

[00:49:00]>> Uh, no. She's a bad [ __ ] She can be responsible. She's figuring her [ __ ] out.

[00:49:03]>> Well, maybe I'm figuring my [ __ ] out.

[00:49:05]>> I I give my girlfriend gifts, but right now she's figuring out her income situation even better.

[00:49:09]>> These are gifts.

[00:49:11]>> No, I not not not like eBay gifts, though.

[00:49:16]>> So, let's get into these finances then.

[00:49:18]Let's get into the numbers cuz now I understand we're coming from a place of you make zero dollars, you're blowing through all your money. You suck dick for some money or get your duck sick dick suck for money. It's weird. You plan on moving across the country. You have no idea how >> give me money. That's who cares.

[00:49:30]>> Shut the up. Come on. You guys talked about how you were sucking. Shut up. I know how it worked. But even without that, what >> what what >> do you think your financial score is 0 to 10? Zero being the worst, 10 being the best.

[00:49:44]>> Your little thing said >> the little thing the website. Yes.

[00:49:47]>> Yeah. So 2.5.

[00:49:49]>> Very good. If you want the little thing, you can get it for free at caleb.com.

[00:49:53]And that is your financial score. Take the assessment. It is free. Just takes a few minutes and you can see where you stand in the world of money. And if you don't want to be like a guest who ends up on this show, one, don't transition.

[00:50:03]Two, uh, or you can if you want. This is you can budget your transition by downloading dollar-wise. Take the free trial, see if it works for you, and connect automatic account connections.

[00:50:13]It's incredible. Most people take the annual version because it saves a lot of money. And when you do, I will personally sign our 30-day detailed meal plan and mail it directly to you. This meal plan is incredible. It comes with the digital version of the cookbook as well.

[00:50:25]>> Why'd you throw that in?

[00:50:26]>> So, it's yours. So, you can meal prep now. It's you got all the meal plans.

[00:50:30]You can meal prep every single day. No more excuses. Okay. So, again, like I said at the beginning of this conversation, you had a fee that immediately charged cuz you didn't pay your card, you pathetic creature. What is wrong with you? What is wrong with you? Why are you not paying your [ __ ] card? It was a $25 minimum monthly payment. You couldn't even do that. $30.

[00:50:51]>> $32.

[00:50:52]>> I forgot.

[00:50:53]>> Automatic. Automatic.

[00:50:54]>> Because I I'm not you. Well, I don't like auto pay because well, guess what?

[00:50:58]He loves you. Because you're >> It comes out and I don't have the money in there. It gets taken out anyway. Then I get charged an extra $30.

[00:51:06]>> Okay. Well, that just happened anyway because you didn't pay me. I meant on my like >> Well, now it's happening in your credit card. It's hitting it somewhere.

[00:51:13]>> Well, why would it hit two places?

[00:51:14]>> Well, it wouldn't because you would have paid it, but either way, by overdrafting. Not that I'm advocating for that, trust me. But okay, so you owe $46848.

[00:51:24]What's going on with this card?

[00:51:25]>> Um, well, there was a time where I couldn't get credit cards for a while.

[00:51:29]>> Good. You shouldn't.

[00:51:31]>> And then I got my credit to a reasonable standpoint and um, Credit Karma kept saying, "Oh, like you get approved for all these credit cards." So, I just decided to try since um before that I got a loan.

[00:51:48]You're hitting them all. I like all these things. I like personal loans. I like credit cards. We have a credit card um uh matcher and applications thing on kalepammer.com. And same with personal loans cuz they're great. I love them. I use them. People should. You can't cuz you don't know how to manage your [ __ ] It's for people who know how to. You can't. I mean, duh.

[00:52:10]>> So, what did you do with the loan? That >> I got a nose job.

[00:52:13]>> I couldn't tell.

[00:52:14]>> Thank god. What the did your nose look like before?

[00:52:17]>> Um, >> cuz we got like a Michael Jackson thing going on.

[00:52:22]>> No, you can see my nose. I still have one.

[00:52:26]>> Uh, it was very much a traditional like, you know, >> nose. That's horrible. Not a normal nose.

[00:52:33]>> I mean, so now I understand why you think I look super white cuz I just >> Well, and also just like your skin color.

[00:52:40]>> Oh, yeah.

[00:52:41]>> Okay. So, you took out the loan for a nose? Yeah.

[00:52:45]>> Thought it was to pay off the credit card. I thought that's where you were going with that.

[00:52:48]>> No.

[00:52:49]>> What did you rack up? You just opened this card last night.

[00:52:51]>> I was saying that's what made me realize that I can get credit cards again.

[00:52:55]>> Oh, [ __ ] sake. Why? Cuz you were able to get the personal loan for the nose. So, you're like, I can get credit cards.

[00:52:59]>> Yeah.

[00:53:00]>> Oh, for sake.

[00:53:00]>> I guess the only way I could get that loan is putting >> What are we doing?

[00:53:05]>> Okay. So, what did you rack up this credit card with in less than a year?

[00:53:10]>> I don't know. Uh, sometimes Door Dash, sometimes the bar, sometimes sometimes I would buy like stuff on whatnot.

[00:53:18]>> Whatnot? What's whatnot? Wait, I've heard of whatnot. We've had Whatnot before. What is it?

[00:53:22]>> It's like the or auction app thing.

[00:53:26]>> What are you auctioning?

[00:53:27]>> I don't auction anything.

[00:53:28]>> What are you buying in auction?

[00:53:30]>> I I fell down the little boo boo hole for a while.

[00:53:33]>> L boooo over me. But you fell off cuz everyone was Bratz. I think I've heard of Bratz one.

[00:53:38]>> Oh, of course you do. Everyone always brings their little collectible special little thing.

[00:53:43]>> Oh, that's Brass. I know Bratz. Bratz is like OG. That's >> Yeah, she's from 2003.

[00:53:50]>> Oh, you're breaking it. Why the are you collecting this [ __ ] It's not great.

[00:53:55]>> Because it's a good investment.

[00:53:56]>> No, >> I'm creating gener generational wealth.

[00:53:59]>> Dude, you're generally generational.

[00:54:02]>> Well, tell me how much did it cost?

[00:54:04]Well, her she's a little on the cheaper side, but I have dolls in my collection that can go up to like $700.

[00:54:09]>> Sell them, please. Please, please, please, please.

[00:54:12]>> I guess you probably shouldn't have before you change your behavior, or else you'll end up in the same situation again, just like the personal one.

[00:54:17]>> Like, the only times I sell dolls for my collection is >> So, you're saying if we get this credit card paid off and you move across the country, all your money will just go to rack up the credit cards again on Brad dolls.

[00:54:25]>> Maybe.

[00:54:26]>> Then what are we doing? What's the point? What are you trying to do? What do you What do you want for your life?

[00:54:30]You're a l literal pathetic failure that blames everything on everything else. to move out of Colorado and then why why do you have to move out of Colorado?

[00:54:38]>> Because it sucks. It's dry there. People there boring. They're just granola. Like >> Okay, sure. Fair enough. On. I don't hike and I don't ski. So like what's the point? Okay, that's fine. I got you. I got you. Okay, so you're trying to move back to Jersey. Everyone's face favorite state.

[00:54:54]>> The food's good. My best friend's there.

[00:54:56]>> Best friend. There you go. There. That's a good reason. So, okay. But what are we trying to do though? Because if we're just paying off debt so you can buy breath dolls again, it's like is that what I'm enabling? Is that what I'm helping here?

[00:55:07]>> Like I really want to move. I want, you know, I do want to like focus on that, but >> that's it. This entire thing is for a move.

[00:55:17]>> Do you have to move furniture? What are we doing? Cuz moving is expensive cross country if you want to take >> everything to move. I was just like put everything in my Jeep. And >> so what what what are we doing? What are you trying to do? What am I trying to do for you? What's the productive thing here?

[00:55:31]>> Help me out with my finances.

[00:55:32]>> So you can >> move to New Jersey.

[00:55:35]>> Just to move. That's it. After you move, your life is done.

[00:55:38]>> Now I need a something to do with my eyelids. So surgery.

[00:55:42]>> I don't think they can move an eye.

[00:55:44]>> That's the first.

[00:55:46]>> What? Let me see.

[00:55:51]He asked He asked if he can He asked if she can pay him back.

[00:55:57]>> Well, yeah. He's been going through a lot right now and he's waiting on he just got a new job and he's waiting on like that money to kind of take into effect. I know that.

[00:56:10]>> Yeah, let me try to manipulate.

[00:56:11]>> Yeah, that's usually what I do sometimes.

[00:56:14]>> Yes, that's why I'm imitating. Okay, so this car I mean I'm being told you probably just racked it up in weed and [ __ ] which kind of correlates with your Door >> Dash. Can you pull cash out on weed or on credit cards? Well, I mean, you could cash out. Uh, do a [ __ ] what what am I thinking of? Um, cash advance, but no, that's probably not it. Okay. Yeah, missed immediately and you got interest acing, but even still, probably blazing up and then ordering Door Dash.

[00:56:43]Let's continue though. Credit one, you know, if you have credit one, you have like the worst credit ever cuz it's like the worst credit card you can get. It's horrible.

[00:56:51]>> I didn't know that until I started watching your show.

[00:56:55]>> Still got it.

[00:56:55]>> I thought it was Capital One. I had it.

[00:56:57]I got it after.

[00:56:57]>> That's what they think.

[00:56:59]>> That's what everyone thinks. It looks like Capital One in the mail. They get it and then it's credit one. That's horrible.

[00:57:05]>> One of their like partner you I don't know.

[00:57:08]>> $492.34.

[00:57:11]So maxed out. No, we're maxed out.

[00:57:13]Credit limit is 300. How do you owe 500 on a $300 card? The is you're passed through multiple months already. What the What? What are we What are we What are we doing? What are we doing? What the are we doing? You're already two months behind. Now you owe a third month coming up. $69 a month is owed. Yeah.

[00:57:27]>> Why? What is wrong with you? Why can't you at least just pay a $60 payment? Cuz you weren't unemployed until a week ago.

[00:57:34]>> Well, cuz sometimes I just forget or I don't want to.

[00:57:38]>> No. No. There you go. It's not wanting to. Cuz you're not forgetting for three months. Pathetic. What are we doing?

[00:57:46]>> Sometimes I don't have the extra money or I have to pay a different bill. And some bills are more important like rent, my car. This is $30 and you you told you you made it sound like you were at least making good money.

[00:58:00]>> I was I made >> that. What? I made a >> I made 60 grand in last year.

[00:58:05]>> Then why couldn't you make a payment a $60 payment >> because I buy things?

[00:58:13]Because you're prioriti prioritizing fun what you want.

[00:58:17]>> We we're not promised tomorrow. Why should I pay have to worry about all that?

[00:58:21]>> You're not promised tomorrow. No, but on the higher statistical likelihood chance that you will be here tomorrow. Set yourself up for a better life and success.

[00:58:30]>> Because if you die, you won't know you didn't have fun anyway. So, it doesn't matter.

[00:58:35]>> What? I know. That's what I'm saying.

[00:58:36]>> Have fun.

[00:58:37]>> I know. But if you died, you won't even know.

[00:58:39]>> How do you know?

[00:58:40]>> Huh?

[00:58:40]>> We don't know what happens after life.

[00:58:42]>> Okay. Well, let's let's go with most religious perspectives anyway and say you go to some kind of heaven. Doesn't matter. You'll be having a great time.

[00:58:49]So, who cares if you were struggling a little here?

[00:58:51]>> Exactly. That's my thought process.

[00:58:52]>> No, no, it doesn't matter if you would have sacrificed cuz you're having a great time up there anyway. So, it doesn't matter.

[00:58:58]>> So, sacrifice statistical likelihood is you're going to live a long life.

[00:59:02]>> I don't know.

[00:59:03]>> So, sacrifice for it.

[00:59:04]>> What?

[00:59:05]>> Huh?

[00:59:05]>> What?

[00:59:06]>> What? What?

[00:59:06]>> What? Is there something I don't know?

[00:59:07]Are you going to die? You got What do you got going on? I don't know.

[00:59:11]>> Oh, I was just saying you don't.

[00:59:12]>> Then you're probably fine.

[00:59:13]>> Okay. I mean, you might get shot at a bar cuz you're always up in people's faces being insane.

[00:59:19]>> Yeah.

[00:59:21]That's why I want to like conceal Carrie.

[00:59:24]>> Yeah, maybe. I don't know. I don't know how things work in Jersey. But listen, I mean, you're you were blaming with Lindsay. You were blaming this on Credit Karma. Then you kind of started that started setting that up with me. The thing is you blame everyone for everything except for >> I don't know if you know, but your your videos have Credit One ads.

[00:59:41]>> Yeah, I that's not me. I'm not putting the credit one ad.

[00:59:44]>> I know you're not, but somebody is, and that's kind of bad. And credit cards are good though. Credit one's not not credit one. Credit cards are good though because >> no the rewards and everything if you can actually manage it if you're a credit card person but you're not.

[01:00:00]>> I tried.

[01:00:01]>> You didn't try cuz you're not paying a $30 payment.

[01:00:04]>> This one's uh not maxed out.

[01:00:07]>> Okay, let's see. We got a Snapchat. I don't know. I don't think that's another guy. Another sugar daddy. Maybe. I don't know. It's a guy with a beard is what it looks like. I can't see without you unlocking. It doesn't matter. All I care about is the one guy.

[01:00:20]>> Okay.

[01:00:20]>> So, concealed carry.

[01:00:22]>> Well, you said I might get shot. So, if I have a gun, >> that's expensive, too.

[01:00:27]>> I haven't looked into it.

[01:00:28]>> Okay.

[01:00:32]I mean, I I date guys with guns.

[01:00:37]>> I can't say it. They want me to say it.

[01:00:40]I'm not going to say it. They want me to talk about They want They want me to be nervous with a trans person getting a gun in 2026. I'm not I'm not gonna say it.

[01:00:50]>> It's not happening.

[01:00:51]>> I'm not going to be shooting up any schools.

[01:00:53]>> Okay. Well, that didn't make me confident.

[01:00:55]>> Now I am nervous.

[01:00:56]>> Now I am nervous. Now I'm very nervous.

[01:00:58]>> [ __ ] Okay.

[01:00:59]>> I'm not going to shoot up schools cuz I voted for Donald Trump.

[01:01:03]>> Okay.

[01:01:04]>> So why would I why would I be one of those [ __ ] that shoot up schools?

[01:01:08]>> I don't know. I think people just shoot up schools. There's people just shoot up schools, right?

[01:01:11]>> And usually they're the ones that like like women, like the trans women that like >> You're right. That's right. You get guys to suck your dick. That's true.

[01:01:20]>> I mean, you get girls to suck yours, >> huh?

[01:01:23]>> You get girls to suck yours.

[01:01:25]>> I think that's considered pretty standard.

[01:01:27]>> Pretty. And some people don't want standard.

[01:01:30]>> Okay. I wasn't.

[01:01:32]>> Well, I wasn't criticizing you either.

[01:01:35]>> Okay. I don't understand the point of that. What?

[01:01:36]>> Everyone likes sex. Yes, everyone likes sex. $69 is your now minimum monthly payment. It's probably normally 30, but again, you're multiple months late behind. $40 late fees stacking like crazy. This is insane. Oh, it's actually been closed because of how past you are.

[01:01:51]So, you can't even spend on it if you go if you pay it down. You can't, >> which is good. You shouldn't have access to this. You're not a credit card person. Again, for those who are, you can get you can figure out what credit cards work for you at caleb.com.

[01:02:06]>> Check that out. But you're not. So, you shouldn't fill that out.

[01:02:08]>> Honestly, what really happened is my car got totaled. I feel like that's worthy.

[01:02:14]>> So, if we did sell your big collection, how much would that be worth? What's your collection worth?

[01:02:19]>> My what?

[01:02:19]>> Your collection of these things.

[01:02:21]>> Oh, if I sold it all together, probably like 10 grand, >> dude. You could change your >> But if I sold them, >> you got How much have you spent on tattoos?

[01:02:30]>> Oh, I don't know. 20 $50,000.

[01:02:35]>> What? Noing way. What is wrong with people like you? You guys are just >> I've been getting tattoos since I was 16 and then um I don't I don't know. I just get tattoos when you live at home.

[01:02:47]>> How much does your transition [ __ ] cost?

[01:02:50]>> Um hormones.

[01:02:52]>> Yes. How much does it cost?

[01:02:54]>> Uh well, I just got back on Medicare.

[01:02:56]>> Hormones. But no, no, you got tits as well.

[01:02:58]>> Those were pre nails.

[01:03:01]>> Why?

[01:03:01]>> Cuz my body is priceless.

[01:03:03]>> No. How was it free?

[01:03:05]>> Oh. Uh, Colorado taxpayers.

[01:03:12]>> Yeah.

[01:03:13]>> Not federal, right? Just Colorado.

[01:03:15]>> I don't I don't >> I hope not cuz I just wrote a $4 million check the other day to the IRS. If that's paying for literal titties, what are we doing?

[01:03:22]>> Go. This is your >> I have nothing wrong with trans, but why am I paying for people's boobs?

[01:03:26]>> Don't get me wrong, I I don't think it should happen either, but I did abuse the system cuz why would I pay for it if I can get it for free?

[01:03:34]the government, the taxpayers paid for your tits.

[01:03:36]>> I mean, I pay taxes, too. So, I'm so >> No, you're not an act contributor. No, we just sent you $4,000 back. Especially with your no tax on tip thing and the majority is tip. It's honestly, it's just the I I'm I'm not in favor of the no taxes on tip thing. It's so stupid.

[01:03:51]You already contribute nothing and it's just more populist policy, right? We should just be getting paid a normal wage to where we shouldn't have to get tipped.

[01:03:58]>> Well, that's fine, too. But advocate for that. It's just so stupid. It's just another It's just a performative policy and that's why both parties are on it cuz populism is winning right now. It's just it's so stupid. It's You already don't contribute anything. You're part of the >> I do contribute.

[01:04:13]>> You're part of the 50% that contribute 1%. It's nothing. It's a drop in the bucket. If it was gone, nothing would change. It says we give everything to you now. We pay for your boobs. What else do we pay for? What else do we pay?

[01:04:24]Do we pay for your hormones?

[01:04:26]>> No, I pay for those.

[01:04:27]>> Okay. There's no health health insurance pays for them. I mean, yeah, now, but I mean health insurance. We all pay into the higher cost of health insurance.

[01:04:36]What about the nose job?

[01:04:37]>> I was I paid for and I don't consider that part of my transition.

[01:04:41]>> Oh, no. It wasn't gender affirming.

[01:04:43]>> No, not really. Is there any other >> For me, I feel like I've always been confident in who I am. Well, it's taken a minute, but like >> Is there any more gender affirming surgeries you've done?

[01:04:53]>> I like have done. No.

[01:04:56]>> Any more that you want to do?

[01:04:57]>> Yeah, I've thought about it.

[01:04:59]Um, maybe another boob job.

[01:05:01]>> Are we going to pay for that one, too?

[01:05:03]>> No.

[01:05:03]>> Why?

[01:05:04]>> I had to be on hormones for like 2 years and then at that 2 years they would um see how big my breast tissue grew and it was an A cup. And >> the government was tracking this.

[01:05:16]>> Yeah. Because if you uh >> Oh my goodness.

[01:05:19]>> if your breast development.

[01:05:20]>> The show's turning me into a libertarian. I'm ready to cut everything by 90%.

[01:05:25]>> Honestly, this is crazy. This is insane.

[01:05:28]And I don't actually agree with that, but what the because I know we're getting the worst of the worst on the show. So, I get it. But it's just like what the what the are we doing here, man. What the >> If you if you get bigger than like a B or bigger, they won't pay for it. But because I'm a skinny legend, um I only got like >> You're welcome for the taxes, America.

[01:05:50]You're paying in foreign.

[01:05:51]>> Oh, that's probably Bratz dolls.

[01:05:53]>> Starbucks is [ __ ] and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. MAKE GAMER SUBS AT HOME FOR JUST 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

[01:06:17]>> The number one ranked energy drink is game.

[01:06:20]>> Literally, the cherry flavor is insane.

[01:06:23]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. Stop bleeding out money making minimum payments across multiple highinterest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you tripledigit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you.

[01:07:08]I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse.

[01:07:28]You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to caleammer.com. And remember, you still got to do the work. You're paying foring the Bratz dolls. What the is wrong with you?

[01:07:51]>> I told you some of them are like $100 or more.

[01:07:53]>> How often are you brat dolling?

[01:07:55]>> I don't know. It depends on my mood.

[01:07:57]Some like if I'm in a bad mood, sometimes I'll just buy one. Like >> you're broken, man.

[01:08:02]>> I know.

[01:08:03]>> Oh, man. I meant gender.

[01:08:04]>> I know, dude. Man, they're all gender neutrals. I'm not offended.

[01:08:09]>> I'm a respectful guy, right?

[01:08:13]>> A little. Oh, come on. I'm respectful.

[01:08:17]>> Yeah.

[01:08:17]>> Okay. I just did the one bad thing, but I didn't know it was a bad thing.

[01:08:20]>> That That's why I said a little. You're irrespectful.

[01:08:24]>> I'm a good guy. I just yell and make mean comments. All right. Update.

[01:08:32]>> I'm pretty sure he knows I'm here, too.

[01:08:33]>> Oh, let's just see. What did he say?

[01:08:36]I was trying to manipulate him. Let's see. By the way, what I said is, "I thought she likes me." Dot dot dot.

[01:08:41]Yeah, he said he does, but that's a wild request.

[01:08:44]>> Let me see. I'll I'll manage this. Thank you.

[01:08:48]Haha. I do, but that's a wild request.

[01:08:51]>> Cuz I think that's like he literally just gave me almost $400 the other day. So, I think that's kind of why. I mean, if you look, the $300 that he sent me was literally like, "Sh, >> I'm manipulating."

[01:09:04]>> Okay, give me more money. I'm not complaining. I'm just letting you know that literally Saturday he gave me $300.

[01:09:12]>> Okay. I sent three texts. So you don't care if my bill fails while I'm stuck in Texas dot dot dot. Next message. I don't know. I thought you were different. Next message. Never mind.

[01:09:24]Manipulation.

[01:09:26]>> You're a little bit meaner than I am, but >> I'm pulling out [ __ ] for this.

[01:09:30]>> Yeah.

[01:09:31]>> Okay. So, what even is Oh, so that's for the Brad doll. Okay.

[01:09:34]>> Not this one.

[01:09:35]>> Tuck it up. What's that? I mean, that sounds like Okay, you're hiding the dick. Trans things, right? Tuck it up.

[01:09:40]>> Oh, yeah. They're really cute. Uh, thongs.

[01:09:44]It matches my pants.

[01:09:45]>> This is Please stop.

[01:09:48]>> Stop what?

[01:09:48]>> Just I don't want to imagine a woman's penis. I don't know. Those words just come out of my mouth, I guess. So, >> are you saying mine's bigger?

[01:09:57]>> Uh, no. If you were like tall, skinny, white, like yes, because the biggest dicks I've ever seen in the locker room of like swim team and [ __ ] >> How many dicks are you looking at?

[01:10:09]>> Every Well, okay. For what it's worth, the swim team in high school.

[01:10:12]>> I don't know if you want to say this.

[01:10:14]>> I I do. I You think I give a The swim team in high school is Those guys, they were just none of them were gay, but they were the gayest mother I've ever met.

[01:10:24]>> Men are the gayest men I know.

[01:10:25]>> In the swim team locker room. Yes. So the tallest, skinniest white men are, especially the nerdy ones, they can >> they can like wrap that [ __ ] around a throat and choke a [ __ ] is huge, intimidating, scary, but you are not that person, so I'm not afraid.

[01:10:42]>> Okay.

[01:10:43]>> So, no, I do not have that fear.

[01:10:47]Uh, okay.

[01:10:49]Uh, the the trans [ __ ] is $3249. It's one more payment and it's done. I'll just call it trans. Trans dick. Okay.

[01:10:57]Trans dick. $32.

[01:11:01]Uh, okay. And then what is this? This What is this? Forest Inc. You're >> Oh, these are my pants. I had to buy for the show.

[01:11:06]>> You had to buy it for the show.

[01:11:08]>> The show that does not feature pants.

[01:11:10]>> Well, you can see people sitting.

[01:11:12]>> All right. It's tucked up.

[01:11:13]>> What do you mean that, [ __ ] You can't see [ __ ] >> Exactly. The tuck The tuck it up worked.

[01:11:19]>> It's gone.

[01:11:19]>> I guess I shouldn't be that afraid of that.

[01:11:22]>> Well, $57.89.

[01:11:25]You can let me know if you want to see it.

[01:11:27]>> No, thank you. I've moved on from that.

[01:11:31]>> It's not college anymore.

[01:11:32]>> It is not college anymore. Very distant.

[01:11:35]>> Okay.

[01:11:36]>> You are 351.

[01:11:40]>> Yep.

[01:11:42]>> How's it feel?

[01:11:44]>> Fine.

[01:11:44]>> 29. You know what I'm saying?

[01:11:46]>> $57.89 with a $2830 94cent minimum payment. Okay.

[01:11:53]No, no, no, no. It's It's much more do than that actually. Let me see what's the balance.

[01:12:00]>> Okay. You the I mean these are small desks which is really stupid cuz you could wipe all of these out and get this massive risk from all from over your head.

[01:12:09]>> I was going to until I got fired.

[01:12:12]>> No, but then you shouldn't be going you didn't have an emergency fund anyway. So you shouldn't be going into into debt regardless because now this is risk holding over your head. Listen, you're gonna have a hard time getting a job probably because you're But regardless, I'll get you a course career certification.

[01:12:24]>> You can get that in the trades, you can get it in tech, you can get it in whatever. Um, a lot of people in the audience have taken those and converted them into six figure payraises or jobs.

[01:12:32]>> So, I got you with that.

[01:12:35]>> I have thought about leaving the industry.

[01:12:36]>> You probably should cuz you're not a people person.

[01:12:40]>> Well, that's why I work at a barber shop cuz I can't hand deal with >> Yeah, definitely don't deal with people that are you're [ __ ] You can shoot the [ __ ] more with >> Shut the [ __ ] up. Yeah, it's And then you got fired.

[01:12:51]>> 25,000.

[01:12:52]>> A woman, so obviously she can't hang.

[01:12:55]>> 25 after you were You owe 25.

[01:12:58]>> You owe $25,000. 738 $25,783.68 at a 20% interest rate on something. I don't know what I think this is a car loan.

[01:13:08]>> I don't know what that is. What is it?

[01:13:09]>> Do you have a 20% car loan of $25,000?

[01:13:12]>> Is that my Jeep? Yeah.

[01:13:13]>> No. Here he is.

[01:13:16]Let's see. This is insane. This is insane. A 20% car loan I I haven't seen in like a year on this show. What the is wrong with you? You're the worst. Let me see.

[01:13:29]He said, "What the LOL?"

[01:13:31]>> You got to be a little nicer to him.

[01:13:34]He's going through it.

[01:13:34]>> He says, "I have bills and a whole kid."

[01:13:37]>> He has a kid and he'sing your your dick is going in there. He's sucking your dick. Like >> he's sucking his dick.

[01:13:43]>> You got to be nicer to him. So he said, "What the [ __ ] lol? I have bills and a whole kid. And why are you in Texas?" I said, "For the show. Sorry for being mean, babe. I'm just stressing. I really want to blow you when I get back."

[01:13:55]>> Oh my god. Do not say that part, >> but I really need this.

[01:13:59]>> Can you please help me out, love?

[01:14:02]>> Oh, you said it anyway. I don't want to suck his dick.

[01:14:06]>> I know. You can tell him later.

[01:14:08]>> Oh, you've sucked them many of times.

[01:14:10]>> Now, what are you saying?

[01:14:12]>> Or like you suck mine. Um, >> okay. So, 20% car loans. Crazy.

[01:14:18]>> Crazy. Maybe he should send that 500 cuz what the is this?

[01:14:21]>> Yes. Um, >> what did they tell you?

[01:14:23]>> That that was like normal at that time >> for like you that have the worst credit imaginable. Yes.

[01:14:30]>> Well, they made it sound like interest rates were high for everyone.

[01:14:33]>> They were not 20%. Like 8 9 10.

[01:14:36]>> Well, then if they're high already and then you have my shitty credit, obviously.

[01:14:41]>> So, what is your car? Um, it's a 2020 Jeep Wrangler.

[01:14:45]>> Dude, you got a [ __ ] $25,000 loan on a $26,000 loan on a Jeep Wrangler at 20%. What is wrong with you? What is wrong with you?

[01:14:54]>> I wanted a Jeep.

[01:14:56]>> I know you did. For 20 Well, you bought it for 30, by the way, but it's worth 20. It's Oh, you owe 26 now. What do you think it's worth?

[01:15:02]>> Um, 20% loan. What do you think it's worth?

[01:15:04]>> Screwed, honestly.

[01:15:05]>> What do you think it's worth?

[01:15:06]>> I don't know.

[01:15:07]>> What do you think it's worth?

[01:15:08]>> The car.

[01:15:09]>> Yes, the car. What do you think it's worth? Probably 25.

[01:15:12]>> Okay. 13,000.

[01:15:15]You're 20%'s insane. 20%'s insane.

[01:15:23]>> Yeah, but I don't know. I My car got totaled before that and that car was paid off. And I've always >> What's your minimum payment, you dumb?

[01:15:30]>> $720.

[01:15:35]>> Yeah.

[01:15:36]>> And you're unemployed. Oh, you are so [ __ ] >> Now, I wasn't unemployed when I >> What's unemployment expected to be?

[01:15:42]>> Huh?

[01:15:43]>> I don't know because my manager won't give me my payubs and they've never they haven't given me access to ADP since January.

[01:15:50]>> I mean, >> like you don't have any from before?

[01:15:54]>> Uh, from before I got all my payubs like through ADP up until January. And then after that, I never had access to them on ADP. I brought that up to my manager multiple times. She never fixed it in ADP. She just corporate.

[01:16:09]>> I have they they don't want to talk to me.

[01:16:12]>> Okay, then you did you did more than just say okay. By the way, >> this is al why I want a conversation with them because my manager exaggerates a lot. Like the whole shop cannot stand her. They're all scared of her. She makes you say yes. Doesn't matter.

[01:16:24]>> She makes you say yes, ma'am. We're franchise. She makes you say yes. I know, but talk to corporate then.

[01:16:29]>> Corporate doesn't want to listen to me cuz they're too lazy and they just want to take the easy way out. No, it's always someone else's fault. I don't know. Okay.

[01:16:35]>> Well, I have thought about >> Either way, this lawyer insane.

[01:16:38]>> I know, but I wanted it, so I didn't care.

[01:16:43]>> Exactly. Which is actually what has defined your entire life. It's never been anyone else's fault other than you wanting. You wanted fun over an emergency fund.

[01:16:51]>> Oh, yeah. I didn't, you know, I didn't.

[01:16:52]>> You wanted fun over not having fun.

[01:16:53]>> I didn't grow up with much money. So, neither did I. I didn't my life a little in my early 20s, late teens, but I got out of it. You're 28.

[01:17:03]And but >> you're a little old for still just having fun. For >> you're a little old for that now.

[01:17:13]>> I don't think you're ever too old to have fun.

[01:17:15]>> That it's not about not having fun. It's about the You're using the excuse of not having money.

[01:17:22]>> Um what you >> you are too old for using the excuse of you didn't grow up having money. You can [ __ ] around in the early 20s.

[01:17:32]>> One of the first jobs I ever made this much money.

[01:17:34]>> Dude, you're 28 going on mass shooting.

[01:17:36]Like you are just like you're there.

[01:17:39]>> You're too know how to shoot a gun.

[01:17:41]>> Huh?

[01:17:41]>> I don't even know how to shoot a gun.

[01:17:42]>> That's why they always miss.

[01:17:43]>> The last time. No. No. Not always.

[01:17:46]>> Well, tight spaces.

[01:17:48]>> Um. Oh, miss him. I got it.

[01:17:49]>> Oh, him. Well, you voted for him, so I don't think you're going for him.

[01:17:53]>> Um, now I don't.

[01:17:55]>> Oh, [ __ ] All right. Secret Service, I hope you're watching.

[01:17:59]Well, release the tapes. Release files.

[01:18:01]>> Okay. Yeah, everyone wants the files released. Okay. It's Jefferson Capital.

[01:18:04]What the is this?

[01:18:05]>> I don't know.

[01:18:06]>> Well, it's open, but you don't know.

[01:18:09]>> I don't know who Jefferson is.

[01:18:10]>> I hate you. I hate you. It's open, >> but it's 100%. Oh, it's collections.

[01:18:16]It's in collections. You just let it.

[01:18:18]See, again, it was prioritizing fun.

[01:18:21]>> I don't know what that is. So, how can I tell if it's >> dumbass dolls over >> They're not dumb. Yes, they are. Over paying on your debt, so you allowed it to go to collections.

[01:18:33]>> Well, I don't know what that one is, so I can't defend that one.

[01:18:35]>> I don't know. Would the balance at least help? It's $3,243.

[01:18:40]Come on. Okay, I'm being told it's for Verizon. How the do you owe that much to Verizon? You broken creature.

[01:18:46]>> Because I used to have an ex roommate.

[01:18:49]That was disgusting.

[01:18:50]>> Oh. Oh, it's always someone else's fault. Here we go. Let's hear how it's someone else's fault this time. I put her on my phone plan and then during CO when we moved out cuz she was a dirty disgusting um hoarder.

[01:19:04]>> Uh I cancelled that cuz it was during CO and I was told by Verizon that I didn't owe them anything and I was fine that they would just close the service in the account.

[01:19:14]>> The [ __ ] are you talking about? First of all, you have no personal responsibility for anything. You are incapable of life.

[01:19:20]>> Well, it's pathetic. Take some ownership, you creature. And you could still pay for this. Get on a minimum payment again or negotiate it down with your tax return money. Freak >> can't dispute it.

[01:19:33]>> Okay. Collections and not freak for trans by the way before someone sees that and clips it. I'm sure they still did and left that part out. That's how clipping works. $420 is owed in collections to >> this progressive.

[01:19:48]>> It's very progressive.

[01:19:50]>> Progressive. So, you weren't paying your insurance because you're a degenerate failure.

[01:19:54]>> No. Well, I didn't pay them because they dropped me and then I didn't want to pay them out of spite.

[01:20:02]>> Yeah, but then you just yourself in the end, so I don't really understand.

[01:20:05]>> And the balance is 420. I thought kind of thought it was funny, so I left it there.

[01:20:08]>> So, you [ __ ] all your credit for that.

[01:20:10]You're never going to be able to get your own place in Jersey now with your credit only getting worse and worse and worse and worse and worse and worse and worse.

[01:20:14]>> I was able to do it here.

[01:20:16]>> Here before it got worse and worse and worse and worse and worse and worse and worse and worse. Now you're gonna not even break your lease. You're probably just going to allow it to go to collections if we're being honest because you'll prioritize moving over doing the responsible thing or actually making sure everything's okay.

[01:20:29]>> But that's still breaking my lease.

[01:20:31]>> No, you're just going to leave and then you're going to own money. Then it's going to go to collections. That's not breaking a lease. Breaking a lease is something you agree with, >> right?

[01:20:38]>> Usually they give you payment plans.

[01:20:40]>> They can maybe. I don't know. It depends on the apartment.

[01:20:43]>> They love me.

[01:20:44]>> Huh?

[01:20:44]>> They love me.

[01:20:45]>> You think everyone loves you and then you think everyone's horrible with the moment you don't get your way. People who don't like me are horrible.

[01:20:51]>> Exactly. That's basically what I just said. You toxic.

[01:20:55]>> Well, there's a reason.

[01:20:55]>> You're toxic. You're a bad person.

[01:20:57]>> Yeah. There's a reason why.

[01:20:59]>> 68 bucks. It was for Geico. And you couldn't even pay $68. You're allowing that to bring your credit score down by like 15 points for $68.

[01:21:07]>> On there randomly, >> then just pay it. $68. Let your credit score go up like 10 points immediately.

[01:21:14]Like, why not?

[01:21:16]>> I don't I forget.

[01:21:17]>> Okay. Well, you're here now.

[01:21:19]>> Well, now I'll pay it.

[01:21:21]>> What the [ __ ] is wrong with this guy? He needs to call back.

[01:21:23]>> Well, he's probably mad now cuz I don't talk like that to him.

[01:21:27]>> I apologized.

[01:21:29]>> Oh, well, I still don't talk like that to him. I'm very nice and I respect the fact that he has a kid and >> you respect the fact that he gives you money.

[01:21:38]>> That too.

[01:21:40]>> So, the dude has a kid, but he just You're just Does he have a wife?

[01:21:44]>> No.

[01:21:44]>> That's why he sucks your dick. Okay.

[01:21:46]He's a single father. Full custody.

[01:21:49]>> Single father, second dick. We love it.

[01:21:52]>> Yeah.

[01:21:54]>> Okay. Okay.

[01:21:56]Well, savings five bucks. Really getting your way across the country.

[01:22:00]>> $5. Yay.

[01:22:02]I think there's like >> Yeah, you're the worst of us.

[01:22:06]Society, humans. Uh, checking account went down.

[01:22:11]Uh, Apple Bill, Eddie, Everyday Store, >> Accari, >> Dominoes, Apple Bill again, [ __ ] Venmo, Door Dash, Pizza Hut, ATM Matron.

[01:22:25]No one knows where that $13 went every day. I do. Netflix, where'd it go?

[01:22:29]Chick-fil-A, Door Dash.

[01:22:30]>> Um, I You have to get cash when you go to the dispensary.

[01:22:34]>> Oh, what the [ __ ] is wrong with you? How much do you spend on weed?

[01:22:37]>> Uh, I don't know. You're the worst of us.

[01:22:41]>> Amazon.

[01:22:42]>> [ __ ] >> What's everyday store? Cuz you go there every day.

[01:22:46]>> Um, it's a gas station. It's gas.

[01:22:48]>> What the How much are you driving? You go there so often.

[01:22:50]>> Uh, I live I live like 20 30 minutes away from that shop I was working at.

[01:22:55]But I lived in that town before I moved.

[01:22:58]>> Another Apple. You must have a lot of subscriptions. Venuing out money again.

[01:23:02]What are you venuing out? People are supposed to be venuing in.

[01:23:06]>> How much was it? around 14 bucks that time.

[01:23:09]>> Um, probably for it was probably for lunch. Somebody ordered lunch at work >> craft deli. What not again? What not again? What not again? A lot of whatnot.

[01:23:17]That was like $200 in whatnot. Matt Mad Rad retro toys for $48. Then an Apple bill. Little Nick's pizza. Multiple overdrafts. Are you kidding me? Oh, okay. And return item fees. What are we doing? You are pathetic. Oh, and there's another debt just to Why not? Another personal line of credit at the end of it just for fun. at a 32% interest rate.

[01:23:38]Nasty. Disgusting. What the is wrong with you?

[01:23:41]>> Sorry. 11.8% rate. 11.8% rate. Maxed out. You're complete.

[01:23:48]>> Yeah. That's because I'll pay it off and then when that money hits, I take it back.

[01:23:52]>> Plus, it's it's a draw as you pay, right?

[01:23:54]>> Yeah. Cuz doesn't that help my credit?

[01:23:56]>> Is that fast food in here? It smells delicious.

[01:23:58]>> No, it smells like a cigarette. Thing stinks in here.

[01:24:00]>> Oh, it smells like McDonald's fries.

[01:24:04]>> Huh? Isn't it McDonald's fries or cigarette?

[01:24:07]>> It smells like a cigarette.

[01:24:08]>> McDonald's fries. You're broken. I think it was the nose job.

[01:24:11]>> No.

[01:24:11]>> $5,999.

[01:24:14]Okay. Two people agree on McDonald's fries. One person says cigarettes. Which one do we go with?

[01:24:19]>> Okay. Well, McDonald's fries kind of smell like cigarette sauce.

[01:24:22]>> Your nose job broke you.

[01:24:24]>> So, there's nose there's no monthly payment on this. It just acrus interest, right? Then you have to draw you have to you can only take out what you draw.

[01:24:31]>> A personal loan. No, it's um uh autopay.

[01:24:35]>> Autopay what?

[01:24:36]>> Like $110 every month.

[01:24:40]>> Pull up your phone. Give Oh, >> you have my phone.

[01:24:42]>> Yeah. Give me your Okay, just open.

[01:24:46]>> What do you want?

[01:24:48]>> Huh?

[01:24:51]Not like nasty. I wash my hands a lot.

[01:24:58]Why are you on low power mode? It just makes everything weird. You have 50%.

[01:25:01]You're fine.

[01:25:04]Okay. Subscriptions. Let's see.

[01:25:07]Apple Music, Google Photos, Backup, iCloud Plus, Paramount Plus. What the point is that?

[01:25:13]>> Cuz there's a couple on there. I like >> Shut the What a Shutter.

[01:25:15]>> It's a horror movie subscription.

[01:25:18]>> Okay.

[01:25:20]And then, uh, Hammer Elite. That one's good. Probably not best for you in this moment, but >> Well, I don't know what I was getting myself into.

[01:25:27]>> Pretty good.

[01:25:27]>> Yeah. three premium shows every single day, including where we're going to call your ex boss.

[01:25:34]>> Yeah, just kind of a [ __ ] >> I'm being told that Brandon is your type, which is exciting. Um, congratulations, Brandon.

[01:25:44]>> Well, like, yeah.

[01:25:45]>> Do you want to suck Brandon's pee pee or do you want Brandon to suck your pee pee?

[01:25:48]>> No.

[01:25:48]>> Which one?

[01:25:49]>> No.

[01:25:50]>> No. Which one would you?

[01:25:52]>> Are you asking? I don't care.

[01:25:54]>> Oh, you would do either way. You're a switch. Okay.

[01:25:56]>> Yeah. You have to have fun, right?

[01:26:00]>> Brandon Pos show poso [ __ ] Your first [ __ ] He didn't say no. Okay. There's 15 things in your Amazon cart, which is crazy.

[01:26:12]>> No, no, no. I use my Amazon with my family. Water bottles, socks, my family.

[01:26:16]It's I don't share. So, >> the only thing I buy on Amazon is stuff for work.

[01:26:26]>> Okay. Well, nah, you don't have a job anymore, so no more Amazon purchasing.

[01:26:32]Listen, I don't even agree with where you're going. Like, I don't even know what we're doing here, but um Oh, there's more debts apparently.

[01:26:41]Parents 1,800 for why?

[01:26:44]>> Well, I went to urgent care and then I went and saw a specialist and I didn't have health insurance.

[01:26:49]>> Why? What the did you >> I had to go see a urologist.

[01:26:52]>> Why?

[01:26:53]>> Because I was pissing blood.

[01:26:55]>> That's right. Why are you pissing blood?

[01:26:57]>> Um, they said it could have been anything. Like either me being dehydrated. They out rolled like >> you freak.

[01:27:04]>> All that stuff. So that's good.

[01:27:06]>> Drink water, weirdo. Why do you owe your friend $60? Why can't you pay $60? Pay your friend back.

[01:27:12]>> She told me it doesn't matter.

[01:27:14]>> Okay, so I can cross it off and then you owe in tolls $1,600.

[01:27:18]>> I probably should still give it to her.

[01:27:19]>> Well, she says she doesn't care then she's also >> $1,600 to tolls is crazy. Yeah, that's because they don't they never sent me a bill and now I can't you >> log in online. I know how it works with it won't do it. It will never log me in and they've never sent me a bill and that's also for my old car too and they've just held my registration.

[01:27:38]>> Good.

[01:27:39]>> Not good.

[01:27:40]>> Good. I hope you are never able to drive.

[01:27:42]>> I know how to drive. I'm a good driver.

[01:27:45]>> No, not if you're not paying your [ __ ] I don't care. Consequences, actions.

[01:27:50]>> I don't think that makes me a bad driver. It it's time that you actually get consequences for your actions.

[01:28:03]Your monthly minimum payments are $1,5.13.

[01:28:07]What's your rent again?

[01:28:09]>> 16.

[01:28:10]>> What's your utilities plus internet?

[01:28:12]>> Um I don't pay for internet. Um on average it's probably 150.

[01:28:17]>> That's kind of cheap. Okay. Uh phone bill.

[01:28:19]>> I don't pay my phone bill either. Hey, you can do helium when you do for $15 a line.

[01:28:24]>> Why would I do that if I don't pay for it?

[01:28:26]>> I said when you have to.

[01:28:28]>> Oh, sorry.

[01:28:30]>> Gas. Vroom vroom. Drive. Drive. How much now? Without the job >> for gas.

[01:28:33]>> Now, what do you think it's going to be?

[01:28:34]>> Oh, now >> cuz you'll be driving to clients and stuff. Hopefully. We'll see.

[01:28:38]>> Um, probably anywhere from 70 to 140.

[01:28:42]>> 140. Car insurance.

[01:28:43]>> Car insurance is about two, but that includes renter insurance.

[01:28:46]>> Okay. TP fund. Anything else you need to survive? Makeup, all that good stuff? I guess not. not tampons, $150.

[01:28:53]Uh, necessary food, $300. Use the meal plan. Use the digital cookbook we get we give you that you get for the annual version of DollarWise. Medical healthcare, I'd say. Oh, co-pays.

[01:29:03]Anything on a monthly basis?

[01:29:04]>> Um, well, I have Medicaid now. So, now >> Oh, Medicaid. You're on Medicaid?

[01:29:08]>> Yeah, I applied for because I got fired.

[01:29:10]>> So, it happened right when you got fired, not before.

[01:29:12]>> Because I was losing my dental and I wanted, you know, I wanted to >> I'm okay with it cuz you got fired.

[01:29:17]Hopefully, it's not a permanent thing.

[01:29:18]No.

[01:29:18]>> You have any pets? I do have one.

[01:29:20]>> What?

[01:29:21]>> A pug.

[01:29:22]>> Age and health.

[01:29:23]>> He's six.

[01:29:24]>> Okay. $50 health insurance. How much for pet food?

[01:29:27]>> Um I buy the big bag. It's I think it's like 120 and it usually lasts him 3 months.

[01:29:33]>> Okay.

[01:29:35]>> I don't know. Let's just call 40. We'll we'll just see. I don't know. Uh then 50 for pet insurance, 40 for subscriptions.

[01:29:41]Anything else that needs to be in your budget?

[01:29:44]>> Um I don't know. Okay, I still buy Bratz dolls.

[01:29:49]>> You can go yourself and go Brandon, but no, you're not getting Bratz dolls. All right, you're a child. Listen, you need $3,675.13 for minimum survival. Right now, you make zero. Hopefully, you're unemployment helps with that, but you just need to go make that at a minimum.

[01:30:07]And then obviously go get make more because you need to pay down some debts and settle some collections and pay your friends back. The car is the big worry, but you can't really finesse that.

[01:30:16]>> I don't know. You just need to make 3,675 at a minimum. But pay off your debts. Obviously, move if you want to. I don't really care. Break your lease.

[01:30:24]That's going to cost money, too. So, you need to figure that out. You need to go make that. Usually, I'm like, "Yeah, this is how you pay off the debt, but I can't if you I don't know how much money you bring in. So, go make that so you can break even. Try to make more so you can pay it off."

[01:30:36]Okay. I don't know. Um, but we're going to call the person in the post show who fired her. It's going to be an explosive confrontation, I have a feeling, cuz she's It sounds like the other one is due, but we'll see. So, join Hammer Lee.

[01:30:47]Let's get the Hammer financial score.

[01:30:49]Spending in a budget, you overspend cuz you make nothing. 0 out of 10. Debt collection, 0 out of 10. Emergency funds, nothing. 0 out of 10. Retirement.

[01:30:57]>> I don't know how to figure that out.

[01:30:59]>> Do you have any?

[01:30:59]>> I think so.

[01:31:01]>> How much?

[01:31:01]>> I don't know cuz >> 0 out of 10 until you can tell me. 0 out of 10. Real estate hammer financial score. Get 0 out of 10. Get yours at killhammer.com. Now join me in the financial auto post show by clicking join amber elite three shows a day six days a week. See you there.

[01:31:18]>> Hello.

[01:31:19]>> Yes. Hi. What's going on?

[01:31:22]>> I just kind of want to talk about why I got fired.

[01:31:24]>> What specifically? I feel like it was pretty clear.

[01:31:27]>> You were part of the problem. I I didn't even listen and hear you out.

[01:31:31]>> Excuse me. Are you saying I'm part of the problem that got you fired for?

[01:31:37]>> June 1st, I'm launching the Hammer Elite app available on every major platform.

[01:31:43]Join the wait list by using the link in the description or pin comment down below to get a never-before-seen financial audit video and an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar. June 1st. This is the best membership you'll ever join.