Financial Audit - He Called My Black Employee The N Word | Financial Audit

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. You're actually the most pathetic person I've ever met. Free DUIs on probation has to blow into a breathalyzer, can't drive, lives with mother, vehemently racist. And other people on the internet, they're too afraid to say what needs to be said. If you're not afraid to say it, then say it. Say what? What?

Starting point is 00:00:22 Who the fuck is it soft? You are. Who the fuck is it soft? You want to find out? You want to find out? You want to find out? You could beat me in arm at a soft. You want to find out?

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Starting point is 00:00:56 Download the Hammer Elite app by using the link in the description. or pin comment down below. This is the best membership you'll ever join in and that's a promise. Hello, my name is Jerome. I'm 42. I live in San Antonio, Texas,

Starting point is 00:01:10 and this is Financial Audit. We gave you the blackest name possible when you're from a town where not even a single black person exists and it's all Mexicans. It makes no sense yet you are white. I think. Maybe, yeah.

Starting point is 00:01:24 Okay. Well, welcome up to Austin. Ancestry says a few things, so I know I thought you could be in. a few things. That's just called over the ages. I think we all come from Africa, right? Well, sure. At some point, yeah, over 250,000 years, right? Oprah said it's a. And Oprah is black. She's from Chicago where I identify as to. Where the other blacks are. Exactly. Like you. Yep. No? No. Okay. What do you do in San Antonio for a living? You identify Chicago. You live in San Antonio. What do you do for a living?

Starting point is 00:01:53 Yeah. High school and some college. Okay. I asked what you're doing for a living. Oh, I'm an associate at a big chain store, Walmart. Oh, okay. Yeah. Vague for a second, right into the actual place. Yeah. Okay. Wow.

Starting point is 00:02:08 Wait. I mean, okay. What's wrong with you? Like, okay, you're not like an assistant manager. You're not really doing anything. You're kind of doing like the, I'm not shit in the retail. It's not, but like 42, not really, you're the dude walking around that. I try to find for help.

Starting point is 00:02:28 Yeah, basically. Why? 42, is that what you're doing? Well, here's the deal. I decided one day, quit my real job a few years ago. Which was? An engineer for the railroad.

Starting point is 00:02:47 What the fuck? That's money. Yes, it is. And I, at that time is still today. To be an associate at Walmart for 15 an hour? Well, that's not all I do. But that's the actual job I do. That's on paper.

Starting point is 00:02:59 that I pay taxes and, well, kind of pay taxes, and do the insurance purposes. So I also do the little side hustle games. So like I do a lot more on the side. Well, actually part of it is games, but there's extra stuff. You'll see. Oh, I'll see. That's good. Let's talk about Walmart first, the 42, your little associate.

Starting point is 00:03:23 Very good. What do you make? How many hours? What is it? I think Walmart's own internal. minimum wage is $15 an hour. And I think they're the... What? Is it not?

Starting point is 00:03:34 14. 14. Whoops me. That's pretty good, though. I mean, Texas is 725 minimum wage, so it's almost double. Yeah, no one makes minimum wage, not even in Texas. It's like less than 1% of the workforce in the country. Well, then they do make minimum wage.

Starting point is 00:03:51 It's just less, right? Less than... You yourself just debunked yourself. So you said nobody does, and now you're saying that's less than 1%. Very good. good Deshaun or what did we call you Jerome okay very good yeah you got me buddy what do you make you make 14 yes okay so you're a failure at 42 not real how many hours a week do you work for that too many too many that's that number jerome they hired they hired me part time but they scheduled me

Starting point is 00:04:17 35 to 40 and I'm trying to do less isn't that good no why are you trying to do less you pathetic failure oh yeah because my legs hurt my knees hurt that's concrete no no no no no no then first of you're 40 You're not like 80. Focus on other endeavors. Are you working associate at retail if you're a broken-bodied individual? Insurance. That's the main reason. What? You can get insurance in a lot of different places if you're low-income on the affordable, well, actually,

Starting point is 00:04:44 the subsidies have gone down dramatically. Yeah, and then also if you're 1099, you're doing your own thing. It's a little harder to get that. Yeah, I didn't say go be 1099. I didn't say go be a contractor. Did I suggest that? Well, I don't. Well, what else would you do other than get another W-2 job?

Starting point is 00:04:55 You have the chance to be in a career path at this point. You have failed. Well, I already was. I already was, yeah. There you go. You didn't get health insurance, sir? Oh, yeah. Oh, yeah.

Starting point is 00:05:05 Yeah. Didn't use the mental health side, apparently, but. No. Okay, Jerome. So I guess the railroad wasn't good enough for you, but you have to go to Walmart specifically for health insurance? It beats pain for it on my home. Okay, so I thought Jerome was weird.

Starting point is 00:05:27 We didn't even call you Jerome. You insisted on the name Jerome and being told because you hate the idea of people always using race as an excuse. So you made it at a point to name yourself Jerome. And you could identify as black if you wanted because all the race, gender, nonsense isn't. I don't even understand. What the fuck are you talking about? Okay. I thought it was weird that we named you Jerome.

Starting point is 00:05:47 I'm not a lie. But now I am. You can name your child whatever you want. What is like, Guinezaccio's Apple. There's X for Elon or whatever. I forget the child's names. Northwest, Kanye and all that. But my whole point is, yeah, that is I heard prior guests and other people on Internet.

Starting point is 00:06:04 They're too afraid to say what needs to be said or that they say that. Jerome, what needs to be said? Anything and whatever, whatever anybody wants. Oh, that sounds like you're too afraid to say what needs to be said. No, I will say. What needs to be said, Jerome? The N-word. Language is a social construct that is warped by people and context and intent matters.

Starting point is 00:06:28 So you have no fear to say it? No, I have no fear to say anything within, with considering intent and context. Okay. The word itself is not bad. It's dependent on how you use it. Just like... Very good. Well, why did you say not the R word and why did you call the N word the N word then?

Starting point is 00:06:43 Oh, that's... Oh, I'll say it right now. Okay, let's call him Tyler. Yeah. He's my brother. I saw him walk by. He's from Chicago where he likes the Blackhawks. I'll say it.

Starting point is 00:06:52 He's not from Chicago. Well, he... Hosa, too. If he knows hockey, he knows Marikos. That's not. Our Mexican. One of our thousands of. It's from south side Chicago.

Starting point is 00:07:01 That's a little different. Northside is all the white people. So, you know. I mean, tell me I'm not right. You know, that, I mean, Detroit. I mean, come on. Yes, there's black people in Detroit. I mean, the ones that are still not victims of gun violence, but yeah.

Starting point is 00:07:21 I mean. What point are you trying to make? I'm just trying to make that. If you're going to say something, do it. And I'm tired of everybody come on shows doing stuff. Tyler, I actually apologize for the first time in my life for what's about to happen. But please, you don't have to apologize. Come lean here.

Starting point is 00:07:39 I will do whatever I want. And what I want to do is apologize. There you go. If you're not afraid to say it, then say it. Say what? N-Hu-k. What? My.

Starting point is 00:07:53 No, no. That. I can't have you looking at it. What? There, that's just a word. Nothing behind it. No sentence with it. No meaning behind it.

Starting point is 00:08:05 It is what it is. Why didn't you run with it, buddy? I didn't call you my, you know. What the fuck? Why the hard are, though? Why the hard are? Why not? Why not?

Starting point is 00:08:21 Why? Is an A at the end make it better? Yeah, but not you saying it regardless. So. Er? So. Er? To my face.

Starting point is 00:08:30 To my face. Er is crazy. Well, I mean, it's better to your face than behind your back, isn't it? But it's not about you. It's about the word. There's that big difference. So it's not directed towards you, though. You looked me in my eyes.

Starting point is 00:08:44 Well, he told me to. You looked me in my eyes. He could doubt now. And set the hard arm, my dog. You said straight to my eyes. You're not going to talk about not calling me that. You just called me that. No, I said the word.

Starting point is 00:08:56 To me, directly, in my eyes. Yeah, towards you, yes. But I'll say it to him directly as a white man. I'll say that word. I don't care. Because the meaning doesn't mean. It's taken way out of context from language and where it derived from. That's the reason why social people in society has made it a bad word.

Starting point is 00:09:23 You go in Spanish. You use the word Negro all the time to say black. So Negro. Negro this, Negro that. Who cares? Negro? Yeah. How's a Negro more acceptable?

Starting point is 00:09:37 It means black in Spanish. Negro is different. Negro is different. N-I-G-G-E-R is different. Okay. What about just one G-D-A-N? Say it to Caleb, Dan. Say it to Caleb, then.

Starting point is 00:09:47 Say it to Caleb. Look him in his eyes and call him. I'm trying to. Look up in his eyes and call him that. See, now he looks like an oriental. Call him. Call him. Call him.

Starting point is 00:09:55 Call him. His culture of pop- Why the hell are you stopped? Why are you scared? Call him. No. No. No.

Starting point is 00:09:58 What? What? What? It doesn't feel good. I don't like this. Tyler. So let me ask you this. As a least, as someone that doesn't find anything offensive in this world, I think I'm offended. I think I'm offended on your behalf.

Starting point is 00:10:16 You can't be offended. That's cultural appropriation. That is racist. Whoa. It's racist. I don't call people racist. No. It's the same as I saw a previous guest, too, also mentioned the, uh, the, uh, the

Starting point is 00:10:28 fatigue that we have in this country about any kind of fatigue, black fatigue, gay fatigue, liberal women fatigue. That's a real thing. And all they're trying to say is this, we don't care about your problems or your past and all that shit. Think about right now what's going on. And we don't owe nobody nothing. That's what we're talking about.

Starting point is 00:10:47 Guess what? There's also white caring fatigue. Like, we don't like that energy. Wait. Hold on. A point to be made. Yeah, yeah. Am I supposed to pay reparations to everybody that has a disagreement?

Starting point is 00:10:58 it with the past? Hell no. What about my Jewish friends that, you know, I'm just saying, man, we're going to go down that road where one section of society gets reparations, then we need to go down every section. You know, just going to be honest, black people sold black people. You want to go get reparation from Africa? No. And I don't, I'm just saying, oh, by the way, happy Pride Month. I just, Okay, okay. I got a question for you. I love the jersey too.

Starting point is 00:11:33 Marion Hosa. We're brothers, man. Come on. Come on. If I may, if I may, the point I wanted to make is, okay, maybe there's a nuanced conversation that can be made on history and are we going to cry about things forever? It's not really nuanced.

Starting point is 00:11:49 I'm not talking about that. That wasn't what you said. You just came here, looked at a black man in the eyes and said the N-word that is very different. Why? Why is it different? What is the meaning? What is the meaning to you? Please explain what the meaning is to you.

Starting point is 00:12:03 How do you compare a Negro to N-I-G-R? What the fuck you're talking about? I'm not saying it. That's crazy. Well, I say nigger all day. Nigger, nigga, nigga, nigga. But I'm not saying the hard thing. That's crazy.

Starting point is 00:12:14 What the fuck is wrong with you? That fast. It sounds like you're saying it, though. I mean, it literally is almost the same dialect. Hey, how about we explain what the fuck you bet by it's the same meaning? What is the meaning that we're confusing with social construct? That's the whole thing. The word itself has no meaning.

Starting point is 00:12:28 unless you give it meaning. The language itself has no meaning unless you give it the damn ingee. Isn't it up to the individual though? That's language. No, it's up to society that created it. That's like 100 years ago that word was an offense over like it just. It almost sounds like I said it again. No, you did say it.

Starting point is 00:12:47 Negro. You said it again. Negro. May it please have the water. So there's the way. It doesn't feel right. I have that feel right. No, it's...

Starting point is 00:12:59 I can't put my hands. I'm not trying to convince you. I'm just saying. Listen, I got... The word... Has no bad connotation. Would it be better? Would it be better to call you boy?

Starting point is 00:13:18 I'm just making a point that... Mama bless me. Mama bless me. Lord her mercy, please. Forgive me for whatever. The hell I'm about saying. Amen. No.

Starting point is 00:13:28 I mean, you say whatever you want. I mean, tell me... Tell me. What the fuck is wrong with you, bro? What is wrong with you? Like, literally what is wrong with you? I speak truth. That's what's wrong.

Starting point is 00:13:37 There is no truth, bro. Do you know the history behind that word at all? Yes. For somebody, what's the history? Talk to me. Well, I just know it as oppressive with the- No, we were property. With the slave.

Starting point is 00:13:49 We were slaves. They called us. We were three-fits of a person. So let me ask. We weren't even, we were property. Do you like comedy? Sure. Comedy is fun.

Starting point is 00:13:56 Have you ever seen Blazing Saddles? Sure. Okay. You're not, I mean, this isn't a comedy show. You're not a comedian. No, I... Exactly. But my point is...

Starting point is 00:14:07 Nobody's laughing. My point is, it doesn't matter if you use that word or not, it depends on context and intent. Use the word the way you see fit. And me just saying the word has no meaning other than that. It's the word. I didn't call you that in a sentence or derogatory way. Same with boy. Like, it's just a word.

Starting point is 00:14:32 But you said it. Yeah, I said it. It's just like the... You said it. of here in front of him knowing you said because like the boy thing you specifically said in front of him because you knew it had meaning to him yes to me i don't care so you don't care about him i don't care about people's feelings uh it's not about feelings it's about facts and the reality facts over feelings i agree with that but that's when we're debating economics that's when we're

Starting point is 00:14:57 debating reality and a lot of different things what you're doing is literally just sitting here in front of a black guy and just saying something because it's offensive and you find it he he ha ha ha no i I'm just, it's not only that, it's, and it's not funny because I wouldn't do it if, if there's negative connotations and the way things are, I don't care, because I'm, I'm making a point. Say what you want to say. Say what people aren't willing to say. Well, what's the point? With one intent, I'm willing to say things that people aren't willing to say with positive intent trying to actually fix like a-

Starting point is 00:15:26 Why does that be positive? It can be negative too. But why do you want to bring a negative force into the world? Are we all going to be kumbaya and be positive the whole time? That's ridiculous. No, but if you're here for it. for a limited time. I try to do it. Like,

Starting point is 00:15:36 here, I say things people aren't willing to say on the show all the time, but it is still in the end with financial literacy in mind. Fine. But it doesn't mean that

Starting point is 00:15:47 what you, it doesn't mean that negative things can't be said or it shouldn't be said. Well, why should it? Why should negative be said? With negative intent.

Starting point is 00:15:54 With negative. With negative. Well, the intent wasn't negative. Wasn't positive. It's neutral. Even if you want to call it negative, the whole point is how will do you it's like anything how do you know it's negative without having negativity

Starting point is 00:16:10 like if everything's positive it did hurt him like i'm not someone who gets offended on behalf of people who are not offended but if he's offended he's offended i could also be a half as apology and just be like oh i'm sorry you feel that way i'm not asking for you to apologize i'm trying to understand you're no i know i'm and i wouldn't apologize it would be a backwards apology but like i'm sorry you feel a certain way, but it is what it is, you know? But if you, so, okay, here's the thing. Like, do I think, do I agree with all the transition shit that's happening all the time anyway? Okay, no, because like the kid shit and stuff.

Starting point is 00:16:43 I don't like that. But guess what? If someone would ask me to use their pronouns, I just say it. You know, why? You know, why? Because, like, if I'm going to be in front of someone, what is the point of intentionally being rude to the person? But no, no, no.

Starting point is 00:16:55 I'm not going to. Even if I agree with something to disagree with that. I'm not just rude in front of a person because the person's still a person in the end. we have a limited time on this earth. Yeah, but then also you're, if you're calling them what they want to be called doing that crap, then you're lying. And you're not, you're yourself. Who cares?

Starting point is 00:17:09 If I'm lying to someone for 30 seconds and they feel good, then I'm okay with it. But that's why I also made a distinction between then word. Oh, now you want to sense you. Oh, you're so nice now. No, no, no. Don't say shit. No, no. There is a difference in saying the word.

Starting point is 00:17:28 I can't believe you censor. the N-word on national television. What? The same boy. Okay. And context with also being at the casino and saying, you need a monkey, monkey, monkey, and also looking at you and saying monkey. There's a big difference between all words and connotations.

Starting point is 00:17:47 Intent, context, and everything else matters. That's what I'm saying. The words themselves don't hold meaning unless you give them meaning. But you are because you know who you're saying it, Till. Yeah. So there you go. That doesn't mean anything one way or the other. I could say it's how you take it in.

Starting point is 00:18:05 That's what... I'm disconnected with the logic here. I don't understand. I'm not someone who... I'm like on the edge of edgy in every way. You use the word... You should mention it. Do you know the meaning behind it?

Starting point is 00:18:18 I don't go to a mentally disabled person and call the... Just like you go to him and call the N-word. You can because... You can, but why would I? Why would I hurt that person's feelings intentionally? You... I call someone like you... Because you...

Starting point is 00:18:29 Fits the... So now, so here's a thing. So you're going to go to a mentally disabled person and call them a . If they are, they are. I wouldn't do that. I wouldn't do that. You got to have common decency. I wouldn't go out of my way and do it personally.

Starting point is 00:18:43 But if they are acting that way or they are doing that, then yet. Dude, we are the polar opposite in every way whatsoever of woke. Am I? No, yeah. And yet even you are just like, no. And my, in my old job, there was things called retarders. they are just, it just means slow, slow down. If somebody's slow and they're mentally slow,

Starting point is 00:19:04 that's just the way it is. Well, that was the clinical word that was used. That was the original intent. But, I mean, it's not used anymore. And even still, just like you can't use psycho anymore. Like, come on. PC. I think that has different.

Starting point is 00:19:15 Either way, it's like, I have no problem with the word, okay? I have no problem with that. But the reality is when I go to a mentally disabled person and call them to their face, no. I mean, absolutely not. Because what's the intent? At that point, you just went on me. of the way because it's a point the only thing you're doing is hurting someone's feelings.

Starting point is 00:19:33 To make a point that all those the main point was because people say they will and they do it and when they're on the spot they won't say the word. I don't go out call calling black people you know I just you look me in my eyes yeah yeah and said ha ha ha ha you went to me and said that to my face to prove a point what are you talking to prove a point other than what the what are you proving that the word doesn't it should not have that Me, uh, meaning behind it in text and context. Wow, look at the reaction of everybody. I'm just saying.

Starting point is 00:20:04 You are not woke here. We're so far from woke and you're getting negative reaction. Some of the most like offensive people you've ever met. Some of my best friends were black. Oh, here to f***. The same fucking bullshit. Oh, my best friend's black. They still are black, but you know.

Starting point is 00:20:23 Only I can pull that trope. No, no. Working on Southside Chicago, man. I was the only white boy playing ball with the guy. You know, I used to actually call the... That. I can't keep saying it all show because then it's... It'll just be a bunch of bleeps, but...

Starting point is 00:20:38 Oh, we're not bleeping it. Oh, okay. Well, I don't mind if you don't, but I'm just saying... You're out there, buddy. You can't play ball with... In the south side of Chicago without having that culture. So like you... Colton?

Starting point is 00:20:52 So like you tell me... It's Colton. Yep. Well, I'd call them nothing. Just whatever. I don't know. So it's different. You'll call him the N word, but you won't call him the F word.

Starting point is 00:21:01 So it's just like... What F word? Oh, f***. Okay. Yeah. I'll say that it's a cigarette back in the old days and it's also gay people. So what? Okay.

Starting point is 00:21:08 Like, you know, it's just if you know it hurts his feelings, why do you say it? I mean, what's worth, I don't even know, but like, depending on what the way you take it either... Let me go anti-woke. It's like, wait, it's short word. Like the... Let me go anti-woke first. Yeah, yeah, yeah. I'm, oh, let's just, I don't even fully agree with this, but let me just definitely advocate.

Starting point is 00:21:28 Like, say, but. behind the scenes. Say that word behind the scenes. Even say that word behind the scenes. Do I fully agree with that? Not necessarily. But like, again, I, I can't believe you're making me like Caleb woke hammer right now.

Starting point is 00:21:41 This makes no sense. But why go to the person and use the word that hurts their feelings to adjust? Oh, you know it does. Do you get, I understand what you're saying. Yeah, so then you know I'm not doing that intentionally just going up to people. It doesn't matter. It doesn't matter if you're doing

Starting point is 00:21:55 intentionally or not. If you know it does, why not hold for a, at least five seconds until that person leaves. Well, because you presented the opportunity and it's a safe space. You're so excited for it. Safe space. This is just a space that exists. No, not my safe space.

Starting point is 00:22:10 Apparently his safe space because he gets offended. This is everyone's a space. What? Oh, buddy. I don't, come on. I mean, I feel safe. I don't care. Well, you shouldn't.

Starting point is 00:22:20 There's a black man across from you. I should feel more of a scared you're saying. Yes, that was a black joke. Yeah, yeah. I'm going to be real with you. Your dad is not the same as I. everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different.

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Starting point is 00:24:39 I appreciate you. And I would never point. I got to ask him real quick. Are you actually a fan or you a poser, man? See? Not the shton of his face. You know, I just got to. Yes. He wears the Blackhawks jersey all the time. Okay, good. There are a lot of posers out there wearing, you know, But you live in San Antonio. It's the same as if, it's the same as if people wearing stuff that they don't support. Yeah, unfortunately. You're the poser. What?

Starting point is 00:25:07 Because I don't like tacos. Huh? You don't like Tyler? No, tacos. Who doesn't like tacos? There is, shit. You can't be trusted. Italian beef sandwiches.

Starting point is 00:25:19 That was the sketchiest thing you've said all episode. I'll be honest. Italian beef sandwiches all the way. So what the fuck? That was a crazy rabble. Why that was, that was. the least expected thing I've ever walked into in the history of the show. What the fuck was that?

Starting point is 00:25:31 What the fuck was that? So, okay, so you're going to be one of the incredibly rare guests in the history of this episode that is going to get fired from their job by being on here. And I think you deserve it. I probably will be because I took the days off anyway today. And I'm already over my limit. So whatever. But if you took it off, that means you're good, though.

Starting point is 00:25:51 Or did you just not show? No, I'm a little sick, you know. Yeah, that's, yeah. I mean, Walmart. We know who the majority of your customers are.

Starting point is 00:26:02 He's calling them words. I mean, you, when you pay your employees a little bit, they are only there just to collect a paycheck, that's what you get, you know?

Starting point is 00:26:13 I agree, but you doing that at 42s, pathetic. Well, there's a reason for that, though. What's the reason? I wouldn't even have the job.

Starting point is 00:26:20 I wouldn't even have the job, honestly. What's the reason, Jerome? Just to pay some taxes that I'm trying to make sure I take care of. How taxes. And I also, for insurance, also the, the, the cheaper the insurance you get with the employer paying, the other half and everything.

Starting point is 00:26:34 You go on your own. It's expensive. Are you here? It wasn't to say the N-word on one of the most few podcasts in the world, right? No, no. No, but as I see some content. Yeah, because some things need to be said sometimes when people say they were going to do something or, and there's something I agree with. some of your, I'll be honest, your guests sometimes are

Starting point is 00:26:57 not very intellectual. Are you, you the IRS money? Yeah, oh yeah. And you also can't understand. There's a difference between intellect and deciding what to do and what not to do and making choices. What about empathy? Is that not an important human quality?

Starting point is 00:27:16 Yes, but it depends where you put it. This is one of the most raunchy shows on the internet, but it's still an empathetic show because everything I make fun of, I get consent for. It's like in the end, if you don't understand that he would be offended or he'd be offended. Well, that's fine. They can be offended all they want. It doesn't matter.

Starting point is 00:27:33 They can. It's the empathy behind it. I don't care what you say to your friends, but if you're saying to someone who would be a friend. It doesn't matter. Doesn't matter. My dick gets bigger because I'm a crazy. With refresh speech, there's no such thing as absolute free speech. There are limits to that with context.

Starting point is 00:27:49 And consequences to your action. I get fired from Walmart after this. Yeah, just like that. You know, and there's no issue with that. And you'll, you'll see why I don't care about the way things are headed and the way things are going. I'm going to call his manager in the post show and report them. Oh, yeah. That would actually be interesting.

Starting point is 00:28:07 Yes. Because I, you know. You deserve it. I don't care what happens to at this point. You're not a good person. I wanted to report your employee. Your employee will be on camera in front of millions of people saying the full N-word. He's also been accused of brach multiple times.

Starting point is 00:28:20 And today, him not being at work, he lied. about being sick. This is the worst guest we've ever had on. Well, just because I say a word. Love racist jokes. Don't like actually racist people. No, that's kind of the issue. My first ever girlfriend I had in my virginity.

Starting point is 00:28:38 I f*** the black bitch too. Who cares? Puerto Rican and that's even worse. You know the attitude on those. That's worse. Yeah. Oh, yeah. We have a Puerto Rican back there.

Starting point is 00:28:46 What do you want to say? Then they should know. They know. Talking to the Puerto Rican. Aren't they hot? They're crazy. Yeah. that's why he lost my virginity to her because she was at what age 23 oh you're a loser no there's a reason

Starting point is 00:29:00 for that though i'm catholic and i was trying to save myself for marriage she showed up to the date where and see through everything she asked if i wanted to have some more fun i said you know what why not that was my introduction to san antonia when i moved oh no what a little victim oh you've been in I'm going to tell you for decades. Yes, about 20 years. Okay, so you're saying the reason you're doing this Walmart job is the IRS. Well, for insurance. Tell me about it.

Starting point is 00:29:27 Okay, yeah, should the insurance bubble? What's this IRS thing? No, I just owe some back taxes. Why, though, for what? For making income and not paying my taxes, that's why I owe it. Because you aren't claiming your conceding winnings? You're using your Walmart job to show you're at least paying taxes or something? No, it's the, I had a job prior to that.

Starting point is 00:29:47 Huh? I had a job prior to that. Tell me, I need the context. If I'm going to do a financial audit on you, give me the story, give me the context. What is this? My old job.

Starting point is 00:29:56 My old job. Which was the railroad? The train, choochoo, okay. I decided it would be better to claim tax exempt and pay my taxes at the end of the year instead of the government taken and giving me a refund.

Starting point is 00:30:06 Yeah, bad strategy for like you. Exactly. And I decided not to pay them. And why? I just didn't have the money of time. I didn't feel like working extra. BetMGM casino and check out the newest exclusive. The Price is Right Fortune Pick.

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Starting point is 00:30:45 That's why we do the... I figured that once they audited me and they started garnished from my wages, that's how I just pay them back. Yeah, but with like a 25% premium. No, it wasn't that bad. Dude, the interest rate that usually gets on it is pretty brutal. Yeah, but they're getting... Plus fees added to it, usually add up to around 20%. Yeah, but they'll get paid, you know.

Starting point is 00:31:04 Sure. They garnish it. They're 20% premium. Are they garnishing? They were, but... It was paid off? No, no. Why was it were and not our?

Starting point is 00:31:12 Oh, because I haven't held a job for more than like six months since then, so... actual job. So they don't know you're working at Walmart. They don't know you're working at Walmart? Oh, not yet, I guess. I've only been there two months. Okay. Wow.

Starting point is 00:31:25 What the? So from to 2020 till now, I've done a lot of side hustles and other things. Okay, so time me, yeah, so you brought that up at the beginning. Tell me about your side hustles. The way I started out with was an AP arcade player. Are you single?

Starting point is 00:31:43 Yes, by choice, by choice. Oh shit. Okay. Who the fuck is getting with you? Oh, you'd be surprised. Okay. It depends who you go for and what you want, right? Yeah, who are you going for?

Starting point is 00:31:55 So the last year or two, I end up the past almost 15 years, I've been a man and I just hook up. And if there's somebody, if there's somebody that peaks my interest, when I'll date them for a while, but it usually doesn't end well because it's a selfish world. We're all selfish and there's a lot of trust issues that go on. and I just don't want to deal with it no more. So with people my age and around my age, women that age and around that age are either divorce, have kids, or unhappy. They just want to, too. So just have fun and not have to have that tie into a relationship with the money

Starting point is 00:32:31 and the living expenses, all that crap, just go your separate ways and do all that. That's fine. Do what you want to do. But I have a hard time thinking you'd be able to lock someone down. Speaking of which, I'll show you, and I'll open my phone. You can see the people I've been with or my girlfriends. But why have you never offered up your phone to show what your girlfriend looks like and give an idea of, oh, she's fat or she's cute or all that stuff?

Starting point is 00:33:01 Well, they've seen her so they can attest. But the thing is, why would I not? Yeah. Why would I not? Well, I mean, for privacy, I get that. Yes, because we're one of the biggest shows in the Internet. Yeah. So obviously, I'm being private to protect him.

Starting point is 00:33:13 Yeah, and obviously you protect the guests and all that. So you can do the same. You could do the same. Or show the guests. They'd be like, okay, well, I can see where you're rating. Why would I trust you? Someone I don't give a, you specifically. Because you, same comments, it gives you a rating scale of like what you actually think is attractive.

Starting point is 00:33:30 Yeah, that's my opinion. My show, bitch. A little Gordita from San Antonio may actually be decent looking. But in your eyes, she's, you know, 140 pounds. I may be too big. What? Who knows? Probably not.

Starting point is 00:33:42 I don't know. her height. Shoot, she's like, anorexic ones. Oh, that's gross. Well, we don't know that. You just, oh, well, she's a six, you know. You're not entitled to see my girlfriend.

Starting point is 00:33:50 It's my show you freak. What are you talking about? I mean, you don't have to show yours either. Oh, I will. I'll show them off because I'm proud. But only based on looks, only based on looks, so I'm proud of them.

Starting point is 00:34:01 Okay, the people you're with now, I guess is all I like to. Okay, so you're single, you're permanently online, weird echo chambers. I mean, come. No, okay. No, I don't like what that's. No, no, no, no. I may come off as red pill or whatever.

Starting point is 00:34:16 That's not even red pill, man. I don't even know what you are. Rational, atheist, migtao. That's good. That's good. That's better that way because if you know how somebody is and the way they're going, it's predictable. That's pointless.

Starting point is 00:34:31 Like, why people put in a box and that. Oh, you got main character syndrome. I don't even know what that is. Honestly, that's one thing that I don't even think about. I don't care. No, it's a. It's what? I don't even know what I am.

Starting point is 00:34:46 I just know my beliefs and the way, what I do, and that's all it is. I'm very honest, very forward. Wow. I'm open book. A revolutionary,

Starting point is 00:34:54 ladies and gentlemen. It is for people that you have on. Buddy, everyone. Everybody's crying. A unique butterfly. I'm like, no,

Starting point is 00:35:02 there was like one person who freaked out about it. And I'm, everybody. They're all worried about. With my words. Okay, so what are the side hustles?

Starting point is 00:35:09 Yeah, let's get back to that. Oh, I forget. So I play arcade games. And I win the, prizes and sell them for profit. What the? I went last night.

Starting point is 00:35:17 I got some prizes. Okay, single 42 freak racists playing arcade games. Yeah. He probably himself around all the kids. This is not great.

Starting point is 00:35:26 Technically, yeah. But. This is not great, Jerome. I also, uh, I also participate in, um, a legal loophole, great area part of gambling online.

Starting point is 00:35:40 Oh, do you? But I don't necessarily gamble my own money. I am not sponsored, but I write letters and send them in by the mail, and I get paid $5 for everyone I do, and when I get my money,

Starting point is 00:35:54 a free play, then I play it and I cash up. If you win. No, I always win. I mean, well, okay. That's not how a casino's work. Well, I lose in the long run, the money. However,

Starting point is 00:36:04 no, no, no. However, I get the free money to play because of the work I did for the writing. Why not pay your bills? Well, because I do gamble A little too much sometimes. Oh, shocker.

Starting point is 00:36:16 You're a failure in every way. Some bills are more important than others. How do you even pay your bills? So how long were you gapped between your previous job in Walmart that you've been in for two months? Well, I mean, I worked other jobs between. How do you pay your bills? Just when I need the money, I'll go get a job.

Starting point is 00:36:37 But other than that is by mainly the... Would you always need money? Is there not rent? No, well, no. Actually, just recently I decided to move in back with my mother. Oh, you are such a failure. No, no, no, no. See, I wasn't going to. Oh, you're pathetic. I wasn't going to, but she offered.

Starting point is 00:36:54 And why not take the offer for? Of course mother will offer, but who a dude, you're pathetic. No, no, she's had a lot. She's done a lot for me and she's had enough of my. She's had enough of my BS, but. Oh, you're gross, man. What's wrong with you? You disgusting beast of

Starting point is 00:37:13 dude, I don't even know. I don't even know. And why don't get a breathalyzer on you, by the way? That my security guard told me about. Because, uh, that's crazy. No one's ever coming with a breathalyzer. I mean, I figured I'd bring it just in case I need it. Why would you need it?

Starting point is 00:37:29 Well, you got to blow into it, so. For why? To make sure I'm not drinking. For what purpose? You proved to yourself constantly? My third DUI. Okay, why don't you blow into it right now? All right.

Starting point is 00:37:41 Oh, yeah. Actually, that's a good idea because it would make sense why I said certain things and did certain things if, you know. Okay. No, this is what happens when you don't have a car, but they still have to track you in your consumption. Oh, yeah, three DUI said, hope you don't have one. How the, did you get here for San Antonio? I could if I wanted to, and I could have a license. How did you get here?

Starting point is 00:38:01 I took the bus. I was going to take an Uber, but. Blow into that thing. Here, here we go. It's analyzing. He passed. Good. Okay, so I feel comfortable doing this because I wouldn't want to, the drunk person.

Starting point is 00:38:18 No, that would make sense. There's a drunk on one, she was a lady. I didn't even realize towards the end. Say what I say, or sober and do it. It would be better if you were drunk, but not for the sake of filming because it wouldn't feel good for me. Well, you're on probation, so you legally can't drink, right? Yeah, even if I wanted to.

Starting point is 00:38:35 Oh, but you said there's a loophole. Well, for the casino stuff, not the, well, actually for, okay, well, there is no loophole for that. Except this is what he told Colton, go for yourself. I don't care if I ruin your life. Only have to do it twice a day. So you can do it at 5 a.m. And then do it later in the day and have a drink in between.

Starting point is 00:38:53 Yes. If you really want it to drink, it's not loophole. But there's three windows you have to blow from 5 to 8 a.m., 5 to 8 p.m. and 10 to midnight. So to me, it's almost pointless to add this because you could get drunk in a middle day or early morning after you blow at 5 a.m. And then sober up and then blow at 759 p.m. I need to be fine.

Starting point is 00:39:14 So I'm not saying I do it. I don't do it. Three DUIs on probation has to blow into a breathalizer. Can't drive. Lives with mother, 42 years old. Good drive. Gambling issues, addictions. Vediminally racist.

Starting point is 00:39:30 What do you have going? Oh, I'll pay my reparation. What is going for you in life? Because right now you're actually the most pathetic person I've ever met. And the over four years of filming this. No. It could be. I think right.

Starting point is 00:39:45 I have a pension. All those things that I just stacked up on? I have a pension. That's one thing. From? The railroad. Yeah. Okay.

Starting point is 00:39:51 Who owes? What's the pension? Well, today's money, it would be around $1,500 a month. So it's not much. No, but I won't die off of that. But the pension doesn't go bust. We'll see. The railroad retirement is way more solvent than Social Security.

Starting point is 00:40:08 So I'm not worried about that. I'm not worried about that. But what do you have actually going? going for you that you've done. I mean, the hustle gene, man. I can, I've been able to survive this long with hustling. No, what do you have going for you now? Because you're not surviving.

Starting point is 00:40:21 You're with your mother at 42. So what is going for you? The casino thing I do, right? I average. That's what you're going to say is going for you with the casino thing? For now. Dude, you have nothing in life. No, not really.

Starting point is 00:40:32 This is sad. No, for now. Your life is sad. For now. What do you have to hold on to not kill yourself every day? Which, maybe you should, for the sake of the world in Minecraft. It would be a lot better for the rest of us in Minecraft. Well, you know, with the empathy part, I really don't go around diddling kids or nothing crazy.

Starting point is 00:40:50 That's what's going for you is you don't get dittle kids. Yeah. The reason you don't kill yourself is you don't. Society-wise, everybody's fine. For me personally, in my immediate family, not so great. But this... What do you have to hold onto in life? What is the reason to keep going in your family?

Starting point is 00:41:05 For family, for sure. Family, for sure. Well, they're all going to die soon. That's the only... Well, your mother, you're 42. Come on. Yeah. No, no, no. My mother, yeah.

Starting point is 00:41:12 But, um, the, uh, my... siblings, they probably don't like you. Yeah, siblings, but also my nieces and nephews. Yeah, they're all going to be ashamed of you from this. Oh, yeah, sure, but they don't, I don't care. Yeah, they don't care if you die. No. So what is the reason for you to keep living, unfortunately, for the rest of us in Minecraft?

Starting point is 00:41:33 Just to enjoy life, honestly. Like, what do you enjoy? You live with the mother. You're gambling. You're an alcoholic freak. To me, money is like, okay, this is my also belief with the credit score situation, all this stuff. money is just a tool to pay bills and that's it. But you don't pay bills.

Starting point is 00:41:49 Well, I pay what I need to pay. That's about it. You live with your mother. You're f***ing weirdo. I've traveled. And this is what's so pathetic is you are the guy that you're ranting to Colin before about men and women, how men have gone soft and the world is against men.

Starting point is 00:42:06 And the women is that. And honestly, you're right. Women is, uh, uh, college is. stacked for women right now and it's against men. There are some real things. The gender divide is horrible. The gender wars are horrible. The loneliness. Dating apps are, if they were a country alone, would be literally the 25th most unequal country in the world in terms

Starting point is 00:42:26 of the ratio against men in terms of what you pay for and what you get. It's really bad. There's lots of things. But you're a pathetic excuse of a person that you would not be able to adequately, adequately speak on the actual realities of men and women in this country at all. And yet, you're just sitting there for ranting, ranting, ranting about how men are pathetic. You're pathetic. You're the example. I'm a serial dater. You are not even about dating. You are the example of what is wrong with men. You are pathetic living in a mom at 45, 42. It doesn't matter how much you make or what you do for a lot of women.

Starting point is 00:42:58 They don't care about that anymore because they want to be boss babes and they want, they, they live, especially these boss babes, liberal women want traditional men. Why would they want to be with? You're not a traditional man. You live with your mother. You're an alcoholic. You gamble every day. You are not traditional. That's all normal. San Antonio. You know, that's like the biggest of the U.S. City into a country.

Starting point is 00:43:15 It's like one of the biggest. You're a failure in every way. It wasn't stacked against you. There are actual men that have statistical things stacked against them with the end of male spaces and whatnot. That is an actual truth thing that has happened. What do they have against them other than maybe being born as a poor black man, you know? Huh?

Starting point is 00:43:32 What do you say? What do they have against them that they can't take or they can't do more with? What are you saying? What's your counter argument? They have roadblocks or they have legitimate reasons why they can't get ahead in life and do all this. That's what you said. Roadblocks? Well, whatever you said.

Starting point is 00:43:49 No, there's a loneliness crisis and the dating apps and everything is like to against them. There's only a crisis because they're making it because men and women don't know how to react with each other and stuff. They're lonely. So you're the pinnacle of man who can speak for how men are pathetic now? What are you talking about? Not to be afraid to hit up DM sometimes to go out and find a woman. to be afraid. Sure, I agree, but you also have to acknowledge the cancel culture that that exists

Starting point is 00:44:13 and the T app, the T app and Facebook groups, these are real things. I was part of Facebook group, I won't mention, but I was accused, I was accused of from some people. Okay, we're not surprised, and I bet you did it. And you know what I did? I told them straight up, and the people won't do this. If you really

Starting point is 00:44:29 believe that, you're a shit friend for not going to the police or going and being for your friend. And if you still believe that, call the police, have them come to me, I'll do an interview, and we'll do this stuff. Okay. That's the reason So who accused you of... Oh, I don't even. Actually, I do know.

Starting point is 00:44:43 But it's somebody I barely know. It's a part of a group. What was the accusation against you? That's it. I forced myself on somebody that he knows. And... Huh? Yeah, he said, I heard you force yourself on somebody.

Starting point is 00:44:55 What's the person that you forced yourself on say? I don't know who. They won't say. They don't want to say because of a victim, you know, whatever. And I told them, then do it. Go to the police. Do all this stuff. It's mainly because when you are like me or what's like me, I'm not like me.

Starting point is 00:45:08 I don't know who you're... buddy first of all you're probably plastered out of your mind how do you know no no seeing that I three DUIs yeah well and see that's the other thing too all that piss me off you mentioned something about DUIs and also first of all you don't know anything about the legal system when it comes to actually being in it and going to court cases and stuff when it comes a criminal when it comes a criminal have you ever dealt with a criminal case all cases are different a DUI is not a DUI is a DUI they're all different my first one was for sleeping what's the point you're trying to make was for sleeping in my car I'm not what's the point you're trying to make was for sleeping in my car and I didn't know it was illegal to just sleep in your car to sleep it off. Oofsy, you broke the law. Yeah, okay. And then the other one was, I didn't leave the parking lot. I got another one. The third one was legit.

Starting point is 00:45:49 I traveled two miles. I was over. That's fair. They're all fair. And technically they are. I believe. How would I need to have gone through a criminal issue myself? There's a difference because there's a difference between DUIs is if you were traveling

Starting point is 00:46:07 and get an accident or if you were sleeping in your car. There's a reason why the third DUI in Texas is considered a felony and two years, two to ten years in prison. Good. I got the choice. I got the choice of misdemeanor of felony. And I didn't have to serve. I didn't have to serve any time. And I actually took the felony because the probation is a little easier.

Starting point is 00:46:31 And for me personally, oh, you're never going to get a job again. Me personally, I know my, the way I am and the way I move. And I'm like, you know what? Felony won't hurt me that much. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday.

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Starting point is 00:48:00 Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a a potential recovery of over $1,000. Whatever. Dude, if you were someone that was known, I would totally believe you that there's like a false accusation because it's been weaponized. Things have been over sensationalized.

Starting point is 00:48:21 The culture's bullshit at this point. I almost believe nothing that's accused against anyone anymore. It's because it's absolutely insane. The reason why people say shit like that too is because of jealousy. No one knows you. Why would someone accuse you? Well, I'm known in that group. A Facebook group?

Starting point is 00:48:35 It's a big group here and locally. What is it? People have, or not people. I'm sorry. Singles of Round Rock. Why would they accuse you? What's the point? Round Rock?

Starting point is 00:48:44 Yeah, Round Rock. Singles. Round Rock? Like Round Rock? Austin? For five years? Yes. I used to live there.

Starting point is 00:48:49 Round Rock is a small little time. It's this biggest suburb of Austin. Suburb! It's not like a big thing. It's probably almost as big as Austin. It's getting there. Over a million people in Round Rock? I don't know.

Starting point is 00:49:02 I probably close. No, I would highly doubt that. Well, most people can't even. That's why they go to Round Rock and Flugger. Hey. This spring. Denham gets a softer, lighter update. Introducing Old Navy's drapey denim wide leg.

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Starting point is 00:49:36 No one would just, well, no, no, no. I mean, yes, random accusations, 100% do exist, but if you're someone known, I would consider it. Probably likely bullshit. Why? By the way, it's about 15% of the population. Of what? Round Rock has 15% of the population is Austin.

Starting point is 00:49:53 Oh, well, I mean. So shut the fuck up. You know nothing. You say things. You don't know things. I mean, okay, Williamson County will say then. Okay, yeah, approach the goal pose. The whole point about the belief in stuff of accusation.

Starting point is 00:50:06 Because I was known in the group. for dating and going on too many dates and hooking up with people. What's wrong with that? A lot of people have jealousy issues and like they don't believe that I actually. Who's jealous of you? Well, of that instances or those of the friends of friends. And I, uh, dude,

Starting point is 00:50:27 you see cancer was totally weaponized and I don't believe people anymore, but I don't understand why you. Once you get also a couple women and you have fun with them, then they talk too and then they think about it. they're like, oh, he was fun. And then you get a message like, hey, what are you doing tonight? And you know, you go with that and you just have fun with different women. And they start talking and things happen.

Starting point is 00:50:49 And next thing you know, you're doing too much with too many people. And people don't like that. And I haven't done it in a while. But, anyone, that's good. I'm glad. I mean. No, you're just going through a word of ours. You're just running ears with those words instead.

Starting point is 00:51:07 Yeah, I will admit to that. that's fine. But it's only if it's not consensual, so you consented to me saying it, so yeah. I guess there was implied consent. You didn't necessarily

Starting point is 00:51:20 think I would have wanted me to, but you consented to it, so. I don't know what the fuck to do with you. What do I even put down as your income? I make about $900 every two weeks, so $1,800 monthly for Walmart and on average at a minimum of $1,000.

Starting point is 00:51:37 Well, I'm going to cross that out because I'm going to call your manager and get you fired in the post show. I minimum a thousand bucks from a casino stuff. Yeah, a month. And then about 500, let's say, for arcade stuff that I, I haven't been, I could do more. It's just. You are such a joke.

Starting point is 00:51:51 I just haven't done much. But see, the casino stuff, it varies a lot. So about a few days ago, I actually did get a $4,600 payment from them. Gosh. That helped, but it's. This is strictly in Minecraft, in Minecraft, in Minecraft. I've never played Minecraft. So I don't even know what that is.

Starting point is 00:52:09 This is in Minecraft. What is? But would the world lose anything if you were no longer here? I don't think in Minecraft. Is this like the Ender Dragon or something or I don't. And that's all I know about Minecraft. No, you're the zombie that pulls up to a village, knocks down the door and it's a bitch.

Starting point is 00:52:27 What do you think your financial score is zero to ten? Zero being the worst, ten being the best. Uh, point five. Pension. Pension. Yeah. That's a lot more than people can say. That's a lot more than most people can say these days.

Starting point is 00:52:42 I'm just saying. No, not at your age, actually. Most people don't even have a pension. Not pension, but they do have retirement funds, which are gaining usually better. Pensions aren't usually even the best these days. Well, I was in a different situation. The railroad is tried and true, so I'm not worried about that.

Starting point is 00:53:00 $1,500. That's what you make now. Today's money. You can't survive. Yes, today's money. I probably could survive out $1,500 a month plus a little site stuff. Yeah. Oh, well, yeah, with you doing

Starting point is 00:53:10 extra, sure, but that's not retirement. Yeah. You want your Hammer Financial Score? Get it for free at Calebhammer.com. Take the assessment. It just takes a few minutes, and you can see where you're standing in the world of finances

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Starting point is 00:53:32 and those insights you need to change your life. Take the free trial. See, if you like it. Most people sign up for the annual version after the trial because it saves almost 50% on the cost. And you get my personal digital cookbook in your inbox

Starting point is 00:53:45 and the physical 30-day meal plan signed by me mailed directly to you. This is what it looks like. I sign it and I'm L2. I'm not giving one to him because he's a bad person. And he deserves nothing. You could see that?

Starting point is 00:53:59 Oh, I thought he said fat. I thought he said bad. Well, same thing. And they're both. Let's see. Let's see what? Your finances? Yes, we're doing it.

Starting point is 00:54:09 Yeah. Oh. Okay, I arrest that. This is since 2019. Yeah. What the fuck is wrong with you? You are pathetic. You are actually, I can't believe you're the one that says,

Starting point is 00:54:20 man, are awake. You are the example of weak men. You're holding our society back. You're not providing anything. You're a taker, not a contributor. Oh,

Starting point is 00:54:28 I don't take. You are the weak men that create hard times. Yeah, but I don't even qualify for taking anything, though. I've even tried for, no, but you all your taxes. Yeah, yeah.

Starting point is 00:54:38 I mean, they'll get it back eventually. Really? I don't know. Now when you get fired, what wages are they going to garnish? Well, I don't. I mean, I'm going to have jobs here and there, so. Here and there, you felony? Who's hiring you? I mean, there's a lot of jobs. Why'd you leave the railroad?

Starting point is 00:54:55 Oh, boy. Oh, fuck. There's multiple reasons. How many of them colored? Kind of, no. There's a multitude of reasons, some more important than the other. The main reason.

Starting point is 00:55:08 Which colors is the word? Purple. Of the people? Black, oh. Well, black and white are technically not colors, you know. Uh-huh. And which one's the worst? Which race is the worst?

Starting point is 00:55:18 Which race on planet Earth is the worst race? They're all bad. But of course it's the... Howard. No, of course it's the... Hmm. The worst. That's a good question.

Starting point is 00:55:31 I never thought of it. If I had to pick one... If I had to pick one, well, it's not necessarily race, but region. There's two of them. some Indians and Nigerians. A lot of scammers, a lot of people taking money. And what's the worst race?

Starting point is 00:55:48 And there's no such thing as the worst race. There's worse regions that are people of color and races. Horrible white people, horrible. Black people, horrible. Asians. Very well could you. It all depends on your morality and your bone belief system. And which race is the least moral?

Starting point is 00:56:06 Well, it's not a race. everybody but Americans. We have our own culture. Like Iran and Iran, whatever, what they think they're doing over there is right and everything. Who are we to say that they're wrong?

Starting point is 00:56:21 You know? So for me... What's your least favorite disability? My favorite job interview question, by the way. The ones that people claim they have that they don't, which is a lot of times mental. No, real disability. Well, a lot of mental disability.

Starting point is 00:56:34 Mental. Well, you have many. No. Most mental disability. are bullshit. You think my panic disorder is bullshit? No, because that also has physical traits to it. That is real.

Starting point is 00:56:47 And I think that that coincides with mental disability. But when people say it's being weaponized way too much just to make excuses for not going to work or for doing this, for doing that. And especially like when you brought up military. What's your monthly payment on your IRS? Zero. Right. I mean, I do plan on doing a payment plan instead of them. What are you about to say about the military?

Starting point is 00:57:14 The disability crap, you know, like, I know. That's not just all bad. No, but people use disability. You see it on this show. Yeah, no, we have abused it. No, it happens all the time outside. And it's not just military. It's anybody and everybody.

Starting point is 00:57:27 Like, I even, I even abused that from LA when I worked for the railroad. We're not surprised. Yeah. And the, you're pathetic. Because my girlfriend at the time has a crippling anxiety, can't drive all the stuff. Or she was a cripple and that's the only one that would fuck you. I would. Did she even consent to it?

Starting point is 00:57:44 Most times until the last time we, no. No, that way, that sounds bad. That's not what I meant. Oh, you are accused of. No, the last time that we hooked up, we recorded ourselves and I saw, I saw her face on her look, or the look on her face. She know you were recording? Oh, yeah. Yeah, she knew.

Starting point is 00:57:59 And I could tell then that it was going to. Has anyone else seen it? No, no, not that. No. No. But other ones? No, but they've seen. enough. She used to be modeling. She even went to playboy mansion one. She used to be in the

Starting point is 00:58:12 culture. Okay. Continue your story. But she, uh, we went to her psychiatrist and she filled out paperwork for me to get F-L-M-A on her, even though we're not married or have any spousal relationship. Kamala. Oh, that's BS. Like, that shouldn't even happen, but I took advantage of it and I got it from L.A. She was like you took advantage of her. Very good. Show me a picture. Yeah, I will, but a boy model. Let's see this. Well, no, no, yeah. Oh, no. Here's the walk back. No, she's, here's the walk back. Went to the playway match and she did stuff there like a little pageantry or whatever, but she wasn't like,

Starting point is 00:58:43 she used to do that stuff and she's gorgeous, but she has issues. And she's one of the reasons. Literally to be with you. Yeah, she's one of the reasons why I quit the railroad. But the main reason is because I just hated, it's 24-7 on-call job. That's why you make good money.

Starting point is 00:58:58 And the people that worked there were annoying. They're cheating on their wives, complaining about bills. I had enough of that crap. I had enough of like being on-call. time. I lived in Roundvark, but I had to report to San Antonio two hours to get to work. What was you making? Well, for me, it varied a lot because a lot of times I think they were

Starting point is 00:59:16 working. On average, what were you making? At the minimum like five grand a month, at max 15 grand a month? See, you're making good money. That's why. It comes with it. Yeah. And they show me a picture. Okay. There's additional 2018 IRS that 4,100. Well, this is with 98,000. This is when the new man, but that gives you an idea. he's about 20 years older I mean

Starting point is 00:59:41 that's like just average white girl to me yeah I mean I mean probably out of your league sure oh yeah yeah I completely agree even my last sex there's a lot of them She doesn't have it At least not that I know of

Starting point is 00:59:56 She doesn't have a nose job but it wouldn't surprise me I don't know And do you still talk to her? A little bit here and there but not no, just like share a reel here and there. She'll send me, she's selling me a reel of like a train thing or, um,

Starting point is 01:00:12 oh, I forgot what the last one. Oh, playing arcade games. 2015 IRS you owe for over more than a decade ago? Yeah. I'm pretty sure it's still there. What the fuck is wrong with you, dude? Why? So, okay, even back in 2000, that's $24,611.

Starting point is 01:00:31 That's insane. Yeah, I thought it was lower, but I guess, with penalties and interest? I don't know. That year I might have worked enough. I don't know. I only had my railroad job at the time, and I claimed tax exempt, so.

Starting point is 01:00:46 So you've been doing that since your 30s. Since even before your 30s, you've been doing the tax exempt bullshit. I went on and off with it, you know, when I need extra money. You're literally not a contributor in any way whatsoever. Well, taking, well, other than I don't take, like, resources per se.

Starting point is 01:01:02 I owe, but I don't take. Everyone's taxes are going to have to be higher because of people like you who aren't paying their fair share. You're the people that aren't paying their fair share. Now I'm in the bracket to where I shouldn't have to pay anything. So except for what I owe, maybe. When was the last time you had not filed exempt? A few years ago.

Starting point is 01:01:21 Well, now, yeah, I'm getting weird. Now this is 23 through 24, 25. 23 to through 25 IRS. It's crazy. So you have four individual debts with the IRS. Oh, you don't even know. It's question mark. It's question mark.

Starting point is 01:01:36 For what? The last... IRS debt 23 to 25. Yeah, because I didn't file, so... Oh, it just haven't even filed. Yeah. Why the f***ed out? So the past three years you haven't.

Starting point is 01:01:46 Well, because I was around the minimum requirement to file or not a poverty, whatever on my jobs. Through your own choice, too. That's insane. Well, I figured if with all the little jobs I had in the W, whatever they send, it was a little too much to keep track of. So I figured... They'll audit me and they'll get it.

Starting point is 01:02:06 So it is what it is. But that's why I'm here. I have a laissez-faire attitude with pretty much everything. And I love it. You shouldn't for your own life. I love the freedom. However, I do want to clean it up a little bit. Well, freedom, but you still are your taxes.

Starting point is 01:02:23 Because then you cost people like me. Yeah, but they're going to get their money no matter what. So again, it's freedom. Yes, to a certain extent. You can't drive drunk. Well, you can. You'll just get in trouble for it. Exactly.

Starting point is 01:02:34 When you did. Yeah. Yeah. Yeah. So the future. What does the future look like for you? What are you trying to do? What are we trying to do?

Starting point is 01:02:43 I'm sure you want to clean a little bit of this up, but what can we do on the income side? Like, what is there for you? Actually, I'm not too worried about cleaning stuff up right now. What's the point? What are we doing that? Well, eventually, yes, but it's more about progressing in, you know, business stuff and making more money.

Starting point is 01:03:01 Who's going to do business with you? No, no, no. do my, well, anybody that wants to make money because I deal with, I also have a resale certificate and I used to buy wholesale and sell retail, all that kind of stuff. So, okay, what's our business future? Mainly continuing doing the casino stuff while it's still legal in Texas until that runs out. Is that on the docket for no longer being legal? It's been on the docket for the last couple years and they've been getting more stringent.

Starting point is 01:03:30 No, not yet. It's been taken up here and there. Oh, but the elections and stuff. They even still, what? You make a thousand hours a month from that. You're not our survival. That's, that's on average minimum. Like I sometimes, there's a month around 15K.

Starting point is 01:03:44 Yeah, but average minimum in that case would be 12,000 a year. That's a safe amount. That's still 12,000 a year average. Safe, minimum. You're not living on that. So what's the future? I was. I was and I have been until I injured because I injured myself.

Starting point is 01:04:00 I broke my arm and I had, I couldn't work for two months. So things got back and I'm like, you know what? It's better for me to go home and save some money. And I healed up and now I'm getting back on my feet. So, uh, listen, normally I would offer him things to help, but I'm not going to.

Starting point is 01:04:14 So, uh, you, you don't get a course career certification, which is what most people on the show, which is what everyone else on the show uses to improve their income through their job experience with the course careers on the resume and get a better job. You,

Starting point is 01:04:29 I'm not going to get you access to any kind of personal loans or extra help that you can find on. Payment.com. Not going to do that. Not going to get you on helium either. F-you get nothing. Oh, fuck you. Loans are not even, shouldn't even be allowed.

Starting point is 01:04:43 You don't need, exactly. I thought there's freedom. Why? I can't borrow from someone? Go fuck yourself. Yeah, you could. That's not freedom.

Starting point is 01:04:48 But you don't need that to be financially successful. It's actually better to have no credit score or even a bad one and pay with things in cash. Someone trying to get a 400,000-hour medium-price home. That's easy. Manual underwriting. You could do it even with bad credit, have a bigger down payment. Yeah, exactly. But you don't.

Starting point is 01:05:03 need a credit score other loans that show the That's still a loan. You just said you don't should I have loans. That's a loan. You You know, credit on a manual underwriting isn't everywhere for everyone. That's a different type of loan. You would say a personal loan. That's completely different than a home mortgage. Even a personal loan you can get manual underwriting. You can manual underwrite any kind of loan. Exactly. So it doesn't matter even if you pay your bills and stuff. What are you talking about?

Starting point is 01:05:23 You can. What is the point you're trying to make? I want I'm trying to make is it doesn't matter what you're even your past is and the bills you pay or don't pay you. It can always get what you want. Not necessarily. Who's going to. going to qualify you even with manual underwriting. Well, if you have enough cash to like 20% or to have some equity in the home that they'll take the chance on it. You have 80,000 hours for a 20% down payment?

Starting point is 01:05:43 First of all, that's a ridiculous amount of price. You don't need that kind of home. That's the median. Yeah, for where? In this country. Even San Antonio. The United States. Yeah, but San Antonio, you could get a condo for 100K.

Starting point is 01:05:53 So. Ken, not necessarily are. Not necessarily you want to. I get it. Well, who knows maybe that's not even for sale. You live within your means. You don't have to. Plus, anyway, the next.

Starting point is 01:06:03 five years, I kind of want to, the main focus I have is possibly living in Albania. And where you only have to make $1,200 a month to live there and the cost of living is so damn cheap. You know, why? Because the incomes are associated with it. You're not going to make dick over there. But yeah, you can

Starting point is 01:06:17 make money in America while being there. A lot of retirees do it. Yeah, with like remote jobs and different things. What are you going to do? You don't even need that, like, necessarily. Huh? Yeah, you don't. How are you going to make money? You can easily make $1,200 a month. How are you going to? Well, shit. There is a way to, it's not drop shipping.

Starting point is 01:06:42 You can make products, especially a source from Albania and sell them on Amazon and do like, but you'll be in Albania. No, you can start it here and export, export the, yeah, in Albania. Yeah, but you can still do it here. How? You're not here. You're in Albania. No, you can conduct business in Albania or here. It's, it's fine. What are you drop shipping? It's not chop shipping. I would actually make it with the, it's actually from the Baltic. It's the T's and and Sage and all that stuff. Yeah, it's specific to the Baltic. You could just do this. Why haven't you? It costs money. And I don't also. Then how are you going to if it costs money? I'll make the money. How do you make the money? It's not even that expensive if you want to do it on

Starting point is 01:07:22 your own. You keep counter. Because I rather do it professionally and the CEO and all that stuff. Why aren't you? Because I don't have the money. And how are you going to? Easily. what work you're not you're about to get fired from your Walmart job fairly yeah but that's not that's not really well unfortunately that's your only income and you have a felony so good luck yeah but that's uh there's always jobs and always a way to make money no matter

Starting point is 01:07:47 yeah not necessarily for felons oh yeah oh yeah there's there's felons even worse charges and all that than me that make more money yeah until your conviction comes through all that shoot i i invite it to try i actually would love it because i you know when the reason why people don't do stuff like that or like lawsuits is because there's discovery process.

Starting point is 01:08:07 And if you open yourself up to discovery, then you have the chance to ruin your own life, especially when there's a false accusation. So I invite that. Okay. What are we going to find in your life? Nothing that I won't talk about here. Okay. Yeah, meeting in San Antonio is cheaper.

Starting point is 01:08:22 It's right around that like, it ranges from 260 to 310. So there you go. So are you saving up? Well, you're not going to live. No, no. Okay. Does everything, what you're doing? For that money illegal?

Starting point is 01:08:35 Technically, yes. Technically, yes. So it could not be very soon. Do you have any knowledge and the trading cards fear? Okay, well... That's kind of fucking 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.

Starting point is 01:08:54 You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow. at a 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.

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Starting point is 01:10:20 Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do the work. When you buy a box of cards, not Pokemon, it's a little different because that's a trade card, But like sports cards, when you buy a box, there's a no purchase necessary caveat to that because otherwise it's considered gambling because you're buying something that you don't know the value of. So the casinos work the same way in certain states. So in order for them to be legal, they have to give you ways to play for free.

Starting point is 01:10:47 And that's what I do. I enter with postcards and I get free. I'm talking about tea business, man. Oh, that, what? That's, that's what, wait, legal. Yeah, it's completely legal. it's just you have to go through the process. What's your funding source you'll need?

Starting point is 01:11:03 Altogether to do it legitimately, like with professional photos, all that stuff with Amazon, it would be no more than 25K. You're never going to get to 25K. Oh, yeah. What? And that's another reason why I want to come here

Starting point is 01:11:17 because I know my situation is not the best. I know it's not the worst. No, not at all. It's pretty bad. But it doesn't take much. It doesn't take much to reverse that. And it doesn't matter. or if you're felon.

Starting point is 01:11:29 If you make, even if you make $1,500 a month right now, you're not getting in 25. To me, it's all about the, it's about the mindset people have. It doesn't matter. Oh, the grinds. No, no, not that, not that. If you make a million dollars a year, you can still be a destitute and poor and waste your money. Sure.

Starting point is 01:11:46 And yet you're all of it. You can make two grand a month and have more money in the bank than people that make a ton. Not you. I will. I will. Never have. Never do, but will. Always in the future, never know.

Starting point is 01:11:56 Yes, that's why I was... 42. Now you're going to change? Yes, I've always been a coward in the sense of putting myself out there and not making it known to the world personal responsibility. And that's one of the reason why I came here. What do you mean you? I can say, I can tell to myself all day, look at the mirror every day. But to put yourself out there into more accountability, that is a driving factor.

Starting point is 01:12:23 If I'm not willing to change for a lot of other things in my life. And then stop saying the end word to black people. Change that. Hey. I haven't been doing that. I just said it to make a point that it's just a word. And I respect if a black person came to me. Yeah, you did your black coworker, I'm told.

Starting point is 01:12:39 Which one? Oh, no. Which one? Exactly. Exactly. Well, it depends on which one you're talking about. Like back in the day when I was playing basketball, I'm sure. I used all the time.

Starting point is 01:12:48 But I was a part of the group. I was in the culture. I thought maybe you're talking about. Culture. Yeah. I was part of black culture. Um, don't look like it, obviously, but I was one of them, you know, outside Chicago. And speak in Jive.

Starting point is 01:13:04 No, you mean ebonics? Sure. Okay. Well, I kind of did. I, uh, you know, you morph into what you're around. So sounds like you can't anymore. Oh, no. Like, if, if that was the case, I would be speaking Spanish and eating tacos, but.

Starting point is 01:13:20 Well, they're delicious. What is wrong with you? Well, if you go to Laredo, maybe, but. and I don't know if these tacos you have up here, they're hoity tooty crap. That's where you can go. You can go like cabbage in it. Like that's not Mexican tacos.

Starting point is 01:13:34 If you're going to like a white people taco, go to a Mexican food truck where they can't speak English. They're everywhere. Yeah, that's Stripes at the, on the border. Wait, do you know what Stripes is? No. It's a gas station, basically.

Starting point is 01:13:45 And they sell tacos. Great. I don't go to the border. It's weird. I know. It's good times down there. What? That's where you get the,

Starting point is 01:13:52 all the women you pay for? No, the little casino down there. You can, uh... Oh, dude, you're such a loser. It's a... Okay, listen, you have this kind of collections. Oh, yeah. So you qualified for credit at some point, but 9,977.

Starting point is 01:14:07 What's your plan with this? It doesn't matter. Bet on your credit for two years, so it's going to be on there for a long time. Oh, that's... I don't know, 9,000 and 77. What was it? That's probably the, uh, the eviction thing. Oh, you got evicted!

Starting point is 01:14:21 Uh, be candid. By choice. Your family. By choice. Okay. Sure. You're family, just like you're single. Your family, your parents, your sisters,

Starting point is 01:14:29 you're all that good stuff. They all find you pretty pathetic, correct? Oh, yeah. When it comes to finances, sure. Comes to your life. Nah. How? What do you mean?

Starting point is 01:14:40 Tell me. It's the heart. They know I have a good heart. What? I even told my mother that I may be saying some stuff and words on there. You know what? She said, go ahead.

Starting point is 01:14:54 Like, you do you. and she might not necessarily support language, but she supported me and what I decided I want to say. No, she doesn't. My mother is a little old school, so. And like grandmothers, you know, if you talk to my grandmother and ask about going down the street at night, you know, she'll say some.

Starting point is 01:15:16 From a long line of racist, I see. Yeah, the hood and all. Huh? But they have a nice day on the back. Oh. Okay, an additional collections. This first mayor bank, be a credit card. It was 476. I haven't had a credit card in years. So it's, well, this has been

Starting point is 01:15:32 on collection since, uh, five years. So a couple more years than that will fall off. So what was this self-intended eviction? I don't even know if that's true because I, what was the self-intended eviction? Uh, I just don't like paying the rent I was paying and I was, I was paying month a month. And the month-a-month rate way too much. And I said, you know what? I'm going to save the money instead and go somewhere else and yeah just waited till my time was up and use that money elsewhere when because the same thing is true when was reisa knows a thing or two about great combinations chocolate and peanut butter obviously but there's more than one way to reases from indulgent reese's big cups with caramel to crunchy reese's pieces and reese's miniatures

Starting point is 01:16:21 there's a delicious rees for every mood it's the same combo you love just with more ways to enjoy it So whether you're snacking, sharing, or just treating yourself, nothing else is Reese's. Even if you have a Viction America, you can find a place to live. Where'd you go? You know, an extended stay, America. I rented a room for about a year in one of those. And a drug den? This one was not too bad.

Starting point is 01:16:49 It was in Round Rock. What the f- Why? It's really cheap. All bills paid, $1,200 a month, basically. $1,200. I can get you cheaper rental and everything at all. their bills paid for that. Oh, not necessarily without roommate.

Starting point is 01:17:02 Well, depending where you live. I was right downtown Round Rock. Wow. Downtown Roebrock. You find a place for $1,200 a Round Rock without a roommate or nothing. That's a Rob Rock. What a life. It's the, it's a mini 6th Street down there.

Starting point is 01:17:16 Come on. It's not, but this difference is you have. Shut the fuck. You have Cougars there that are willing to, you know. Everyone's banned the downtown Round Rock. Yeah. Get the donuts. Buddy.

Starting point is 01:17:26 That place ain't nice. Okay. I didn't necessarily say it was nice, but it's not, it's better than 6th Street. What's your downtown? Why would you want to live on 6th Street? What are you talking about? I'm not talking about any of this. Even 5th Street, 7th Street.

Starting point is 01:17:39 They're not that great. Austin itself is trash. Better than San Antonio, my friend. Oh, I'm not going to argue with that. However, they both can be trash. Okay. I'm just. Well, they're safer than Chicago.

Starting point is 01:17:53 Yes. I mean, statistically sure. Statistical standpoint. And Chicago's very, even reporting their statistics. I don't want to hear it. You think San Antonio is too in Austin, especially Austin in a liberal city.

Starting point is 01:18:04 You think they're going to say, oh, look at our crime rates. But with the governor and how interjecting they get in in our cities here, yes, a bit more. Governor, like the governor really matters. It's... Absolutely.

Starting point is 01:18:15 And a strong governor state like Texas and Florida, yes. Where the governor plays big roles in local politics, you bet you know. It's more the AG, if anything. Like, they just raided the lodge card. You know who our AG is? He's like full...

Starting point is 01:18:27 Yeah, and he's... been overstepping his balance, like the local authorities. So you can't say it's not different than in Texas, than in Chicago. I tell you is that the cities themselves also report things and they just, they're going to hide what they want to hide. Statistics can be swayed one way or the other. You have an additional collections that's been on your credit for two years, 472. I don't know what it's for. I don't either.

Starting point is 01:18:47 Oh, Capital One. I haven't had Capital One in years. So what they didn't been doing is playing the game where they've been buying the debts or the debt collection. and then they report it, and then it's another seven years or whatever. I don't know. I haven't had a credit card. You had a credit card.

Starting point is 01:19:03 This went to collections officially. Oh, great. You're a fan. Four years. I mean, credit's credit. It don't really matter. $393. Oh, no.

Starting point is 01:19:13 No, that's not that bad. Oh, good. You had kickoff. Kickoff is actually good. It's like a... Oh, it is? Can be. I don't even know what...

Starting point is 01:19:20 Wait, this isn't actually in collections. It's not... It's currently closed. Not sold to collections yet. Oh, you're actually making paying, well, until the $4.24. Okay. I don't even know what that is. So if it's only $45, just pay this and it'll immediately boost your credit.

Starting point is 01:19:35 But you don't care about your credit. No, I don't care about the credit. But that's kind of a part for renting places too. Paying back rent. Or paying back debt. That's all it is. It doesn't matter. If they use it to actually do things like get you access to a car loan,

Starting point is 01:19:47 which you might need at some point or in an apartment. Yeah, cash, but you're just being getting multi-thousand-dollar clunkers, which eventually you're getting to the point. We're getting to the point where it's hard to get to get a cash car now in people's positions like you. Well, because pretty much the only non-shitty car starts at 10,000 minimum, which good luck saving up 10.

Starting point is 01:20:04 Not if you know where to look. See, that's where do you look. That's where do you look. That's where do you look. Online auctions every day, especially government auctions that if you have access to like I do, you can find good cars for like a couple thousand.

Starting point is 01:20:14 What do you drive it? It just a pin a scooter. Exactly. Yeah, trust him. A pedal like a razor scooter motorized. Not like an actual. Not like a real.

Starting point is 01:20:24 No, no, no. I'm talking about like not a road. this good or like on the sidewalk. Yeah. No one feels bad for you. Your life sucks.

Starting point is 01:20:32 I don't feel bad for myself either. But I might as well be honest. Maybe help somebody out there. Take the bus back down in San Antonio. Well, it's either that or an Uber. It's not that expensive. We are technically reimbursing you. It's like actually like a 120 buck Uber there or the bus right.

Starting point is 01:20:50 It's only compared to like gas down. That's pretty brutal. It's not that bad. But like the bus is only like 20. bucks. That's better. It's surprising. Yeah.

Starting point is 01:20:58 It's not. Okay. How long has it been since you had a car? About three years? Speaking of which, repossession, 10,000 hours. Still owed on that. Yeah. That's probably gone to collections.

Starting point is 01:21:09 It might be over time or whatever. I don't know if I still technically it's all my credit, but, you know. Well, maybe. I don't know. You know, tell us. So, so, well, how close to you to downtown? Downtown Antonio. Yes.

Starting point is 01:21:23 Actually, technically, I live just outside. San Antonio. So what the you get around on a scooter to? Into that highway infrastructure. That's it. Not even a mile. So where are you going after that? I just Uber if I need to. And when you tell your mom you got fired from Walmart,

Starting point is 01:21:39 what is she going to think? She probably saw you coming and I need to make money elsewhere and keep doing what I've been doing and hustling. Like last night I went to the arcade and I played some games. I won some prizes. If you're listening, mother of this Jerome man, I don't know, a 42-year-old. old is too late for an abortion, but give it your best try, because this is just... Well, luckily, she agrees with me that abortion is wrong no matter the circumstances.

Starting point is 01:22:05 Except it is right in every instance when it involves you. No, still wrong. Because you need to not be here in Minecraft. She may agree with castration or something, but not abortion. She definitely castrate you. You don't have any kids, right? I thought I did, but... Well, what do you mean? So...

Starting point is 01:22:24 What does that mean? When I came down here to San Antonio and I met that lady, we hooked up, she got pregnant. And I was going to be a dad, going to be responsible. But she thought I was cheating on her and slapped me through a drink in my face in front of my family at bowling. And so I decided to break up with her. We weren't together. I was there for the birth. My insurance called me and said, we're not covering the child and the bills and stuff because you didn't sign the birth certificate.

Starting point is 01:22:54 I had no idea what I was doing. didn't know that was a thing. So I took her to the magistrate to get child support done and get visitation rights and all that due the whole nine yards. And my insurance said, we need you,

Starting point is 01:23:06 either go your name, my birth certificate or have a test. I know. And I got a test and found out it wasn't my kid. And it was some illegals from friend from Mexico.

Starting point is 01:23:18 And she just thought I'd be a better suit for the kid because I had a job and everything. Why do you have court fees? $2,500. My deal. I, every year you owe a certain amount. Why aren't you paying on that?

Starting point is 01:23:28 Oh, I am. That's minimum? No, I pay- Is it minimum? Monthly. Okay, there we can. We finally got a minimum month of payment. To see this, you have to pay.

Starting point is 01:23:37 I'm not going to prison for something stupid. I hope you do. Yeah. No, it's... Oh, and somehow your family is literally... Because they've lent you $25,000 over the year. Over time, yes, yes. That's crazy.

Starting point is 01:23:50 Oh, bail you out of jail. That was $10,000 dollars and I sort of $15K for old credit cards. And a card. This is insane. Why would they trust you as someone to lend to? Give me your phone. Which one? No, I'm just kidding.

Starting point is 01:24:03 I used to have another phone, but I got rid of it. It was for business purposes. That was when I was selling stuff online. Doesn't have a Tinder. No. How do you meet people? Facebook dating. Facebook dating, of course.

Starting point is 01:24:21 Yeah. Crazy, man. Oh, it's a lot better than all the other apps, man. You can't go with any other app, really. Facebook dating is better? Is that where you get all the Ferd? Oh, yeah. It's, I'm telling you, it's not as hard as people think.

Starting point is 01:24:35 Men need to understand that, depending on what you're looking for, you can find a woman. It's not that hard. Just know what you're looking for and go for it. Don't be afraid to take a chance and do something. What are you talking about right now? No, I'm just saying,

Starting point is 01:24:50 the men that need a little bit of oomph and help, don't be scared, do it. Send that DM. Just do it in a good way. Don't send it. you know, dick pick or nothing. Huh? What are you talking to me right now? I'm talking to the lonely men out there.

Starting point is 01:25:07 Oh my goodness. Yeah, listen to this guy. He'll save you. Well. Okay, talking to your friend about that's good. Shit, but you were talking to you about it's about. Oh, okay. I don't know which one that is, but. Just going through the, the, the messages. What the fuck is? Oh, that's my most current.

Starting point is 01:25:29 X. Well, you're currently messaging. Yeah, well, kind of. We went to a movie last week or so and we

Starting point is 01:25:38 have our different I don't know. That's called. Oh, that's an old Pokemon. She's almost, well, yeah, no.

Starting point is 01:25:50 Old what? We used to. You said happy birthday sexy. She never responded. She doesn't respond to no, I haven't seen her like five, six years.

Starting point is 01:25:55 You are a sex addict. This is women. Yeah. Oh, you're, okay. There's no reason reason to talk to men

Starting point is 01:26:01 on Instagram. That's kind of stupid. I feel like, okay, maybe the accusations are true. A couple of coming to messages sending without any responses. Including, including, by the way, photos that have disappeared that you've sent to them. I didn't even know that you could do disappear photos. You're sending these women. Dude, you're just messaged.

Starting point is 01:26:17 Look, he just messages women and they barely respond. This is crazy. And he just sends photos out of nowhere. Who knows even what they are? This is crazy. Oh, I'm sure somewhere the nasty side, but it depends on the circumstances. Dude, I mean, sex is good. I mean, it's fine.

Starting point is 01:26:31 but it's just like it's crazy. Well, okay, here's a thing too is that don't do or don't do anything unless it's a real woman. Lay down the point and actually talk to women. Lay down the point. Here he is asking for this woman's Venmo for nudes. No, that was a joke. No, she sent it.

Starting point is 01:26:49 I know she sent it. Okay, give me a few moments to clean up and I'll download it, L.O.L. Oh, yeah, that's just a joke? Yeah, I never. Venmo to Venmo. Even my ex, the most current one that you said, whatever she,

Starting point is 01:27:02 she sent me like an Apple request for $100. And I say, hey, what are you going to send me? This is a mess. Trust me, it was, it's worse back then. I've gotten better in the last few months. I'm trying to clean up. I don't care if you're goon. Just make sure it's consensual goon.

Starting point is 01:27:21 Oh, yeah. Yeah, yeah. A lot of women right now online are like terminal online victims cry babies where they think you rub up against them weird. They just got assaulted. But it's like you, I don't understand. So here's what got into my head and what makes it worse is that. Here's another conversation with about his.

Starting point is 01:27:41 Here's about a conversation with about his. Oh, she's very religious. She can't. Uh-huh. Here's a conversation with about his. I don't know, but you've talked to a lot of people about. Oh. It's a bit interesting.

Starting point is 01:27:57 And there's a. So multiple women about you. You being accused of since 22. Okay. One was July 16th, 2024 about you being a October 19th, 2025 about you being a.

Starting point is 01:28:09 May 19th of this year about you being a. Yeah, it doesn't help that I, that you keep, no, it doesn't. That serial data I've been with over

Starting point is 01:28:18 probably 100 people and. Okay, yeah, congratulations, 100 people. Yeah, you're sticking it. It's not hard to stick it in. Well, it has to be, actually. But, you know, about that.

Starting point is 01:28:29 you suck actually you owe a lot because you're past due on your student loans oh well that's you know oh they'll get that too eventually yeah no they'll garnish your wages for that shit yeah they can once they figure that

Starting point is 01:28:44 that you have a wage and then it's all going gone and then well that's another reason to work is so I can pay it's another reason of you being a taker or not a giver what's your normal student loan monthly payment zero no you have a regular payment amount it just started it just came all deferment

Starting point is 01:28:59 27.9. Is that, wait, is that it? Yes, $227. And you're behind by three months because it just started. Did you, oh, maybe that I should

Starting point is 01:29:07 start paying. Shut the fuck off. And I didn't get it. Shut the fuck. 14,749,0. 23 cents. What degree did you not get? Yes, business.

Starting point is 01:29:20 It taught me a lot. One day. That's just, builder card. That's, yeah, that's just my Walmart pay card or whatever. And, uh,

Starting point is 01:29:29 they make it, easy to do your pay and get advanced if you need it. Yeah, all you're getting is Walmart, except none of it is groceries because it's like energy drinks. 410, 355, 412, 4-47, 8-48. You're just getting bullshit at Walmart. Yeah. Pack your lunch.

Starting point is 01:29:48 I'm not going to be able to convince you. You're such a frick worm. I will eventually. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Bullse, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Bullship, bullshit, bullshit, bullshit, bullshit, Subway, Subway, Subway, That's inside Walmart, so...

Starting point is 01:30:07 Balship, bullshit, bullshit, bullshit, Bolls, B C C C Cs, McDonald's! Okay, that's just across the street though, so... Bulls, bullshit, bullshit. And whatnot, what not, what not, why not, why not... Okay, that's cards? Mostly, yes, but, you know... Your child. When you...

Starting point is 01:30:23 What's Exodus.com, pathetic worm? Exidence, what? Exodus! What's, oh, well, that's my crypto from casino stuff, you know? stuff. Oh. Gotta use it to gamble. Donald's.

Starting point is 01:30:35 A lot of bullshit. You got to move money around when it comes gambling with crypto, so you got to use Exodus. I mean, that's part of my job. Well, hustle, not necessarily a job, but. Can we please bring in Tyler?

Starting point is 01:30:49 That's a lot of, that's more paper than I thought. I just downloaded and didn't even look. What the fuck? Ah, your savings has gone down. No surprise. Well, it's Fargo. Oh, great. Bullshit. Bullshit. Bullshit. Amazon. Prime. Amazon. Sam's, Polipur, Venmo, Sam's, Amazon, Walmart, there's nothing on the Benmo. Chiquelay, McDonald's, McDonald's, bullshit, Apple Bill, eBay, McDonald's.

Starting point is 01:31:11 Buzzbed. What's that? Bullshit, bullshit, subbley, bullshit, smart action, Chick-fil-A, Bill Miller barbecue, Appleville, Schlaughtskees, bus bed, lift, ride, Uber, Uber, Walmart, makes sense. I don't even know where my Benmo is. I'm so, so excited to call your boss, you have no idea. your boss's phone number, right? Yeah, one of them, yeah. Good.

Starting point is 01:31:35 We're calling him in the post show. All right, here's the absolute. Her. That's an insensitive right there. Come on over, Tyler. We're going to close the show with your worst nightmare, a black man. The thing is, I, I f***, I hate you. You're a bad person. You're also pathetic, and you're a horrible excuse of a man,

Starting point is 01:31:51 and I hope no one looks up to you. You're a bad person. I'm not making you a budget. You can go fuck yourself. I don't give a shit. You're a pathetic, disgusting creature that barely deserves to be on this earth. Earth and Minecraft.

Starting point is 01:32:03 But here's Tyler. Do you want to apologize? I want to give you the opportunity for the couple minutes we have left before we go to the Post Show and call your boss and ruin your life. I want to apologize that you were hurt by something

Starting point is 01:32:13 that was said. I will apologize for using the word if it meant something to you more than what. Just say you apologize for using the word in general. Stop being a... I can't say that.

Starting point is 01:32:29 You really... I hope you know that. Being a bitch would be a... You're a bitch. You're a ho-assizing. You're a ho-ass. That's what the fuck you are. I actually am.

Starting point is 01:32:38 You're a bitch. You're a pussy. You're realistically pussy. But like it's all good. It's all good. I appreciate you. Because you're just gonna be who you are. And when you go outside and get your ass not the fuck out, that's fine.

Starting point is 01:32:48 You're gonna laugh all you want to. That shit is. It's not a joke. It's not a joke. And I do have a question. Why are you getting like $10, $16, $10, $32? What drugs are you selling from these people on Venmo? You're getting paid a lot.

Starting point is 01:33:01 Yeah, because . You need to eat. What? You got to feed them, man. You got to take care of your people. Now, we're not going down. I want you to kick his ass because he deserves it. I just don't want you to get hurt.

Starting point is 01:33:22 He's a softy, man. I don't think you to get it here. Who the fuck is a softie? You are. You want to find out? You want to find out? You could beat me in arm at a slow. You want to find out.

Starting point is 01:33:30 You want to find out. You want to find out? You want to find out. You want to find out. Yeah, well, give me for permission. Set up a ring. I don't care. I just don't want you to get sued.

Starting point is 01:33:38 No, he wouldn't, if I can send. We can't find the fuck out. If you want to see, we can. I'll knock your old ass out. You really want to get beat the fuck up. If you really want to get beat the fuck up, let's do it. I just got my insurance. Let's go on.

Starting point is 01:33:48 The first. No, no, don't be scared. Don't be pussy now. Let's go outside. I'll fuck you up. Tyler, don't give into the stereotypes. You're not all violent. No, he's actually.

Starting point is 01:33:56 I'm dead ass. As a matter of fact, the stereotype was even worse for him because he seems like a soft. You don't get the joke We're friends, we joke I'm not that's not a joke It seems a little soft I'm being pussy, okay, let's go No no no no

Starting point is 01:34:09 Let's do it let's run it Let's run it You seem Let's do mutual combat So nobody gets soon I'll shake her hand And if that's really what you want Let's do it

Starting point is 01:34:17 No I'm so dead ass Let's do it I would go outside so I can beat your ass You think I'm pussy You think I'm soft You think I'm soft You think I'm soft I'm not soft I will beat the fuck out

Starting point is 01:34:28 You really want to do that If you really want to do that So soft in the sense... Tell me you want to fight me so we can do it. Soft in the sense that... Watch. You backpedaling now? Howard.

Starting point is 01:34:37 You're back peddle in the sense that... So you don't want to fight. Oh, I will. I will scrap. I will scrap. I will scrap. I will scrap. Let's do it.

Starting point is 01:34:43 Well, actually, actually, take that back. Take that back. I just realized. Howard. I normally would. Howard! I have to... I am because of one thing.

Starting point is 01:34:52 It violates my probation. That's the only reason why. That is the only... I just thought about that. I could get in trouble. Even if it's consensual, I would still get in trouble. Otherwise, I will give you the date that I can.

Starting point is 01:35:05 And I will come. Well, stay tuned. I forgot about that. In the moment he is off probation, a black man will beat his ass. And for the first time on black on white crime, it'll be justified. No, and then he's going to take,

Starting point is 01:35:21 I have to take away his black card when he loses. I'm making a joke here. No, it's not a joke. I don't take the black card away. No, no, set this up. Set this up. Set this up. When he's off a proverbs,

Starting point is 01:35:29 No, even if I'm not up, no, even if I, look, what I'll do? What I'll do? Even if I'm off probation, I'll ask my probation officer if there's a contract we can do and we can make it happen. Call him. I will. I will. That's great for P. Great for POS show.

Starting point is 01:35:43 Okay, we'll do that in the post show and I'm also going to call his boss first and get him fired. Come on. I was trying to avoid that one. Nope, we're doing that one. And I don't give a shit. I really don't. Your life is ruined and I don't care. I don't care.

Starting point is 01:35:53 Guys, join Hammer Lee. Join us for this post show. You know what's going to be a good one. I'm sorry that it wasn't the most productive episode, but he's a piece of shit. And men don't listen to him. Men do not listen to him. Do not be like him. Be better.

Starting point is 01:36:03 You are better. We are better. Please, guys, please do not be a failure at 32. Join Hammer Elite. Click the join button to join it on YouTube. Or you can watch it on our very own app at hammerleet.com or by downloading Hammer Elite. Love you guys. Love you guys.

Starting point is 01:36:17 Shoot your shot. Yeah, you're going to get shot and you deserve it. See him the post show. I wanted to report your employee. Your employee will be on. camera in front of millions of people saying the full N-word. He's also been accused of a rick multiple times. And today, him not being at work, he lied about being sick.

Starting point is 01:36:35 Fuck this guy. This is the worst guest we've ever had on. I just launched the brand new Hammer Elite app available on every major platform. 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 I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below.

Starting point is 01:37:07 This is the best membership you'll ever join, and that's a promise.

Financial Audit - He Called My Black Employee The N Word | Financial Audit

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