Financial Audit - Predator EXPOSED On Financial Audit

Episode Date: May 22, 2026

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun *WTFFFFFFFF THIS POST SHOW IS CRAZY* - 1- I call the person he was stalking to warn her that he is still being super creepy, and 2- we learn he was kicked out of the military for watching P*RN ALL NIGHT EVERY NIGHT- watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Get the free business guide, Demystifying AI, at https://netsuite.com/HAMMER. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:30 Job & Income 11:00 Chat, Is He The Good Or Bad Guy? Place Bets Now. 27:20 Womp Womp 30:20 We READ HIS TEXTS 38:00 Brp Folded Under 0 Pressure lol 44:00 He Helped The Homeless (And Stalked Him After) 53:00 Hes Falling For Calebs Bait So Hard LOL 56:40 More Texts!! 59:00 We Called His Friend (she had a lot to say) 01:13:00 He's Just Full Of Bad Decisions lol 01:29:20 Bro Wanted A Job But Didn't Know What We're Hiring For lol 01:31:00 Bullsh*t Bullsh*t Bullsh*t 01:34:30 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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Sometimes you were stalking me without me knowing, so no trust from your part. I thought, why, yeah. She said I'd give your shit back. Then we can go back to not knowing each other. Dude, she said you were stalking her. Yeah, afterwards, but during that time, it was not my fault that she-

It was not my fault, it was not my fault that she actually found out. Actually, everyone knows all these different things, and we actually had a few different discussions that I'm pretty sure he might not have told you about. The summer budget reset is now live. Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook

and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below, save big, claim your bonuses now. Hi, my name's Liam. I'm from Conroe, Texas, and this is Financial Audit. Thanks for coming down. You got a little bit of a Nazi look to you.

Just a little less of the blonde hair, but that blue eyes screaming at me, and you definitely look like you want to kill some minorities, especially in that small Texas town of Conroe. Howells it just sounds like a racist town? It sounds like a town where you just, you know, kill some blacks. No. So what do you do in racism? And racism, absolutely not.

More for me, for my work, I deliver for Uber Eats. Oh, you got the accent on a racist too. But you're delivering Uber Eats. So you're working with them. So that's good. Yeah. Yeah. Okay.

Inclusive. Well, Uber Eats doesn't really pay that well these days. Listen, did great during COVID gets better, better, better. Actually. Oh, actually. No, no, no, no. No, no. They do pay quite a substantial amount now versus whenever they first came out.

I'm making now... When you're first come out? Like, I don't know. What are we comparing it to in that, in that little argument? What are we comparing it to? Well, like seven, eight years ago, you'd get maybe like a $5, $6 order to drive like 20-something on miles just drop off some McDonald's. How many people are Uber eating then, Conroe?

I would say just a small, maybe two dozen. But that stretches all the way from like Willis, Conroe, Montgomery. Okay, you're saying words that I don't recognize. No. The cities. the cities. But no, with the amount of drivers, it's pretty equal all around. Everyone makes a pretty good share. I don't really know how well the drivers are doing, but I know I'm doing pretty well. How many hours do you drive a week? Well, they fluctuate. I try to drive 12 hours from basically

noon to midnight, the lunch rush. Every day. Seven is a week. Well, that's what I'm trying to do right now. What is trying to do? You do it or you don't? How do you try to do that? You do or you That's one of those things where you could just do it. Last week, I wasn't able to because... Last week's one week, but what do you do on an average? Okay, on an average, I'm looking at 60 to 80 hours a week. So, make water week? I made $1,000 for one week, and this...

Before gas? Before gas, yeah. What do you make after gas and after maintenance percentage? Let's calculate that. If I were to give, like, a pretty good estimate, because maintenance fluctuates as well when it comes to tires oil, everything else. I would say maybe

700, $750 a week. Well, right now I don't have car insurance, so that's not also kind of including that. Even though they sometimes require it, but it's fine. Did you actually know that Uber? You're just talking. What are you talking about?

Who are you talking to? I'm trying to feed off of what I was just saying. I don't have insurance right now. I said I'm looking in. The percentage that is recommended is set aside for maintenance because I assume you would not know. But no, no, no, no, no.

But you're not listening. me, though, whenever I'm telling you a side. I'm hearing your words. Well, you're not interpreting what I'm trying to say because you're not trying to listen. What I'm saying is like Uber already has insurance that they provide to their drivers now. So they take, I think, about one to two percent of all the trips I do. And they basically kind of covers the insurance if I were to ever get into an accident. Well, that's insurance. I'm looking for maintenance. I don't understand. Oh, well, you did. Oh, I thought you were saying insurance. I didn't. I didn't know.

Well, I said maintenance. So are you sure? I'm not the one listening. Okay. Okay. Okay. I was just a boy. I was hearing the insurance. Did I say insurance? Sorry. Sorry, sorry, sorry, sorry. I was told to mute. Sorry.

Yeah, you were told to mute? Yeah, my bad. So why didn't you and why is that your tone? I forgot. I'm sorry. I forgot to meet it. That's my bad. No, go ahead, go ahead.

It's okay. But besides all, oh my God. But besides all that, I'm trying to help fix my finances. Oh, are you? Is that why you're on financial audit? Yes. That's interesting.

That's a unique. That's unique. I know you have just a whole plethora of just bad people that have been on the show. They have kind of like, you're one of them. Trust me. No, no. No, no. No, no.

No, here's the thing. No, I'm not racist. I actually do consider myself. I'm not a racist. I'm not a racist, dude. In my personal opinion, I do actually consider myself. a nice guy that's just been through just bad situations. Nice guy that hates blacks.

Dude, come on. I got plenty of black friends. Fine Jews too. Yeah, I don't. Yeah? He hates the Jews! No, no. Just because... The part does not mean I hate Jews.

It's fine. No, no. Well, that's not your fake name, but either way, um, we'll bleep that. But regardless, I think that FAA going off right there was a notification for Nick Fuentes just went live. No, that was actually quite coincidentally my chase app. Tell me that I was actually going in overdraft.

I thought you just said you were the good guy. The one who's coming on that's not like all the other degenerates. You're a degenerate. If you've been accepted to be on this show, you're, I don't know why you think you're better. What are you talking about? Pondering life over there? What was that? Oh.

I just want to get my finances in my life. Oh, that's interesting. No guest has ever wanted that before. Okay. I'm able to finish typing this out while I'm looking for the recommended presentation to set aside for maintenance. You're still looking that up? Dude, you keep interrupting me, and I am trying to actually focus on what you're saying when you talk.

But you're not typing. I just finished it. Now it's looking. It's doing the thing where it looks. Oh, you're using JetGPT. Okay. It recommends setting 30 to 40% of your Uber Eats income aside for gas maintenance vehicle costs. Now, the thing is 40% is what we're going to do.

gonna do the high end because gas prices. Oh, we're going up right now. Who knows by the time this comes out, but straight to Hermose, not looking great at the moment. Kind of got a two-sided standoff on that. So $1,000 made that week, well, that becomes $600.

How many hours did you work that week? About $60 to $80. That's like saying I made, what do you win? 600 to $800, what did you make? Well, how many hours did you work? That hour, no, no, no. When you made $1,000, how many hours did you work?

When you made $1,000, how many hours did you work? I don't know. Can I, can I, can I pull? pull out my phone and show you. Yeah. Yeah. Okay. Okay.

It's just, man, it's so hard for you understand, man, whenever, like. Pull out phones? No, no, just these finances, dude. It's just, it's hard for me to understand? Well, yeah. I think I just understood your maintenance better than you ever have. Well, no, no, no, no, it's, okay, here. Well, what's hard for me?

You just tell me the number. I'm not touching a little racism phone. It, I'm in the situation that I'm at because... Hey, can you just tell me how many hours you drove for that $1,000? It's the time's right there, dude. Okay, I don't know how to read this. I haven't done it. 42 hours.

Okay, I did Jimmy Johns. 42. Okay, so for your 600 net, which by the way, is before he set aside money for taxes, contractor. There isn't necessarily a bad thing, but that's $14 an hour. Guarantee you could be making $15 an hour somewhere. There. So you're making worse income than you would working at basically any fast food place in Austin.

In Austin. In Austin, Conroe, you're probably finding, what, 12, 13, 14? No, not Conroe. I tried applying for McDonald's and Burger King. Those are both about $10 to $11 an hour. I can't sustainably live off of that and try to pay off my debt at the very same time. When it comes to just trying to pay off those debts, man,

I was basically just kind of like put in this hole. I was not putting myself in this hole. Everyone else is, when I'm looking at this recommended from the sources that many people use, because that was actually from the internal revenue service mileage rate. So this is like gig driving IRS mileage rate. That was last year. That was before the straighter removed.

So setting aside 40% is probably 50% now for gas. So even still, you're probably making it under what that would be at McDonald's and whatnot. That's the thing. So it's typical starting range in a common crew member right now listed online in Conroe is $12 to $14 an hour, which after current gas prices, you are below. So you're working more hours for less pay. Okay, big contemplation happening. Where does it end?

That is a crazy face. You're giving me like a gallum face. I was not the one who put myself in this situation, man. Okay? In the situation of you driving Uberit? I would think so. Who forced you to do that? Who put a gun to your head?

I didn't. I don't remember doing that. I was let go from my job because I wasn't able to focus on my work. Yeah, it's happened to everyone. Go get another one. Well, no, no, no. No, I tried. I tried.

But you're not understanding whenever I said. You gave him the gollum face during your interview? Yeah, I turned you away too. able to focus on my work. I was a car salesman. So I had a lot of stuff going on, a lot of drama going on while I was actually working there. And I was basically on the lot,

walking back and forth, basically on the phone, just trying to clear and settle some things out. Okay, fine, fine, I'll bite. What drama? Okay, so this is, it's all just going to be a lot. My ex, my most recent one that we were together for about... Let me guess.

You're a victim from your ex, like everyone on the show. and you're never the problem. Okay, more 75, 25. 25 me, 75. What I'm saying is I, whenever we were actually in our relationship, dude, everything was just going swimmingly. I was, I did lie a little bit in the beginning of the relationship, but it was. Lied a little bit, just like you lied to be working 12 hours a day? I lied.

I lied. I was a week. I like you. Continue. Liar. I lied in the sense saying that I wasn't with or talking with my son's mom during the time that I was actually... Yeah. Wait, you got a baby mama?

Yeah. Aren't you supporting baby mama? Where are you with baby mama? What do you mean? You weren't talking to? What do you mean you weren't talking to? Well, no. How old's your kid?

One? My kids too. You have a single kid? I have a single kid. Okay. Thank you. Do you see this? Good?

Oh, yeah. No, no, no. We don't have any custody agreement or anything going on right now. We're trying to co-parent right now. Okay, so you're walking around the parking lot, talking to baby mom all day? No, not really. I'm talking to my most recent ex. But the reason that...

Who's the most recent ex? The most recent ex was actually my son's daycare teacher. Yeah. She was... What the fuck are you doing? What the fucking do it? I didn't know really what I was doing. She was very cute.

She was very nice. Show me a picture. Do you want to see my son too? No. Oh, he's cute. He actually just turned to. His birthday was a week ago. Happy birthday.

Oh, thank you. To the kid. Well, no shit. Not to me. So you cheated on your baby mama with the daycare teacher? So that was her. So not really that much of a flattering photo. No, she's cute.

I mean, I totally would, but would I cheat? No. It's not that. I, it's... All right, show me your nudes. No, no. I'm kidding. No, no, no, it's more along...

The fact that you considered it is rough. It's more along the lines of I was still talking to my son's mom whenever I actually first started talking to her. Well, that's good. You should probably talk to your son's mother. Well, more than talk before I actually started talking to my most recent... We were sleeping together. We were trying to... Who was sleeping together?

Me and my son's mom after we had broken up. Okay. So you guys were still... Very good. So at that point, what? You went into the daycare and slipped it in? No, it was more in the back of my truck. At the daycare?

No, God, no. No, no, no, no. At my old work. The cardio ship. No, no, no. That you got fired from. No, no, no. My work before that.

Which was? AT&T. I've been in sales now for the past... Not very good, I don't are you? Well, no, actually, I got offered a store-marriage position with AT&T, but I decided to leave that to go to car sales. Why? I thought it would be a better opportunity during that time.

Okay, why were you the mother of the child and the babysitter, or well, the, whatever. No, no, no, no, no. I wasn't sleeping together at the very same time with both of them. No, no, no, no. I was sleeping with the baby mama, and then the very first week that I was talking to the most recent acts of the daycare, that's whenever I officially cut things off with the baby mama, but I didn't tell her.

Why'd you f*** care teacher? That is just so, you're setting yourself up for mess. Just mess. What are you doing? I didn't, I didn't think much about it during the time. I, I, I was basically just. I know how it works. I know what I did was bad, but at the very same time,

the way that everything went, I didn't. I didn't. It's necessarily bad, but you were setting yourself up for an absolute mess. I know it should not have gone the way that it did, though, in my personal opinion. Because I was still doing everything I possibly could to. to be the better person for my son and to be the person. In what way are you the good guy here? You're not a good guy.

No, no. No, no. The babysitter. Everything had a reason for why I was doing it. I was doing it for the betterment of my son during that time. Ah, yes. Having sex with the daycare teacher of your son is for the betterment of your son. Definitely not for your dick to not.

Hey, if you want to hear the actual explanation, you got to let me talk, okay? So when it actually comes, I know you did. That was the whole point. The whole reason that I was still with the baby mom and was still sleeping together, even though we were broken up during that time, was I kept telling her it's like, hey. Can you pause? I'm listening, but can you pause?

Remember, he started this with saying, oh, it wasn't me that got it into this. It wasn't necessarily my fault. And then he continues down this story of everything that were his choices so far. Continue. I basically kept telling her that we would get back together. I was basically sitting there like... Manipulative too.

Yeah. I was sitting there under the impression. I kept telling her like, hey, we would get back together because I was so afraid that if whenever we had broken up 100% and I would stop talking to her, she would not allow me to see my son because she already showed that same exact pattern of results because she didn't allow me to be there for the birth of my son.

Whenever my son was actually born, I wasn't actually aware of his birth. Okay, well, you could go to court. Not for showing up to his birth, but custody. See, no, that... I was trying to be the nice guy in the situation. I didn't want to actually take a decor. What is this is the same thing? It was like the fourth time you brought a nice guy.

You're a nice guy. You fucked the care teacher. She didn't know. How'd she find out? Did she find out? Does she know? She knew. She knew.

You were telling her? No, the... Okay. According and showing? Okay, look. You don't understand the situation. Okay, you don't, I'm trying to. You're not letting me talk.

Yes, I am. I'm just interrupting. Like every other word that I'm saying, dude. Of course, financial audit. Continue. I'll continue if you don't interrupt me as much. Well, then you will not be continuing. That's my train of thought.

See, okay, see, okay, you got to stop interrupting me as much, man. If I have a question, I'm going to ask the question. But, dude, I'm already on a train of thought. I'm trying to sit here and actually explain everything to you. try. Yeah, I'm trying to. If I have a question, I'm going to answer it. While you're talking to me, I can't even hear myself think while you're I'm not, but I have ears and I can't hear them while you're sitting there just.

You can't hear them? Yeah, over your own thoughts? Oh, are you talking? You hear your own thoughts? I can hear, yeah. You said you're not. I can't even hear you, dude. I, no, it's, I can't even hear myself, man.

I just. You listen to yourself? Oh, dude, okay, okay, I, I, I just. How did you find out? So how'd she find out? I feel like we just need to take like a real quick, like just pause. Like it just kind of like a little like a decompression. No, how'd she find out?

Like I just... How'd baby mama find out? How many schools have you shot up, dude? You're a fucking free. No, I haven't shot up any schools, asshole. No, I, what I've actually been doing is trying to like figure out my life in the future, not trying to be some sort of racist school shooter. All right?

Racist? What do you have to be racist? You said it in the very beginning. Why are you only targeting minorities at this school? God, I can't with you. I can't. Oh, geez. All right.

How did baby mama find out? Is that what you were trying to ask? Who'd you shoot first in this room besides me? How baby mama found out. Let's try to just stick on that. I was sleeping with baby mama. She already knew. She was the one that told my ex while I was sleeping with her.

The daycare lady told her? No, my baby mama told the daycare lady. What did your baby mama tell the daycare lady? That I was sleeping with her whenever I first met her. Okay, pause. So the thing is, and this is why I have to ask questions, buddy. Because in no normal world, does a person just go up to their daycare teacher and be like, you know, I'm the guy, the father of the child? Why would she just say that?

This is why I have to ask questions. People get upset that I interrupt. But you're, that makes no sense. That makes no sense. that makes no sense. You were clearly leaving out of information. There's a lot of gaps. Yeah, I'm leaving out a lot of information

because you're not allowing me to like fill in those gaps. I just did. Okay, okay. Okay, we had taken them out of that daycare. We had taken them out of that daycare while I was with the daycare teacher during that time. And while I was with her, we moved them to a brand new daycare. Okay, so in between that time, we actually just stopped seeing her all together. there were, me and baby and mom

were together. We didn't see her together. I was a main one seeing her because I was dating her. She broke up with me whenever she actually found out about everything while I was... How? If you were listening. I am. I am. Just tell me

how I don't need your whole floor. I'm just, how did she find out? Baby mama told the daycare teacher that I was sleeping. Why would she say that? Because she wanted to hurt me, Dude, she did it out of spite. But how would that hurt you?

Because I had already bought a promise ring for this woman. I was ready to get engaged. No, I'm asking how baby mother you found out. How did your baby mother find out that you were a daycare teacher? Oh. My bad. My bad. My bad.

Okay, I see what you're saying. I see what you're saying. Oh, you figured it out. All right, all right. After the 30th time. Again, don't interrupt. So. It wasn't interrupted.

So. I asked that question 40 times. She found out via Facebook. Me and a daycare teacher, we talked all the time on Messenger. We are friends on Facebook. Me and Baby Mom are friends on Facebook. She saw her as a suggested friend,

already knowing that was his previous daycare teacher, and she kind of put two and two together. Confronting me about it. I lied initially. Shocker. And then came out about it at the end. That's how she found out. Great.

Yeah, what a good guy you are. I'm trying to. to be. I'm trying to be. Because here's the thing. What have you done that is trying to be? You're not trying to be. There's no trying. I didn't see trying. What are you talking about? I know. Did it get the daycare teacher in trouble? She

got scolded by her boss. Yes. But it was basically just water under the bridge after that. So who, how did you slide into that? It was more just a simple like hey

I've been wanting to talk you about getting your number recently. I would love to take you out for a, I'd like to take you out for a movie. We tried to organize for a movie. I don't do that to the person who was watching a kid. I just don't understand. So it's like a boundary thing.

I don't give a fuck about too consensual atolls. This is, it's this complicated. And then listen, again, you constructed that whole borderline mentally story and your ability to tell it off the fact that you were walking around a parking lot on your phone. and how that's not your fault.

I wasn't able to focus on sales and I was trying to... What was happening in that moment? I was walking around the lot. That's all I was doing. I wasn't able to talk to any customers. They go talk to them, you pathetic salesmen? I am supposed to talk to them.

That's what I'm saying. Do that instead of walking around like a weirdo, like a freak that people should be afraid of. Why would they be afraid of me? I'd be terrified you walking around and you're a little blue-eyes, twink-looking scut.

A gullitan face. Absolutely, pulling up to a parking lot. I feel like I'm going to get blasted in the face. What? Really? Yeah, every once in a while when you make you a little gollum face, man? Scary. It is so weird hearing you call me like the gallum face.

Whenever you look exactly like Al from Toy Story, too. Look exactly like him. It's the hair a little bit, and hair needs a little bit more work. But very close. Is that the big dude? Yeah, the guy owns the toy store. The bald man with the comb over? Yeah, that's what I'm saying.

a little bit more work on the hair. Like, let me be a really good Halloween costume. You're receding. My hairline's perfectly fine. Well, no, no, no, you're hiding your hair line right now. Do this? No, I'm not. It's just long hair.

It's just, it's not hiding. No, I'm perfectly fine. Well, good attempt. Drone it and student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal.

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Buddy. What do you think that? Zoom in on that. My hair lines are ready. Dude, they got zoomed in on. It's fine. Well, you didn't even lift it. You're like, look.

Then he hit it. It's fine. It's fine. Okay, so you tried to make a comparison. Didn't really work. Well done. I don't know. Okay, so you tried to give her a promise ring.

So you had to walk around a parking lot for like 30 days. You couldn't make a single sale because you're a piece of shit at your job? I wasn't. We've all dealt with struggles. Here's the thing. Here's the thing. I actually did make sales, but they weren't under my name.

Huh? What? So, um, how. Under Gallum's name. I'm sorry? Continue. What I'm saying is, um,

whenever you're a car salesman, you go through a small training phase and you're supposed to be making about $2,000 a month normal. And then you all, you only make about $75 per car that you sell on the lot. I still talk to customers. I still brought them in and I actually gave them to other employees and they paid me more under the table.

Okay, did you say that? I did, but they needed sales on paper because it seemed... Fair. Because it seemed as though for two and a half months I had just been in there collecting $2,000 with the checks every month and not selling anything. When in reality, I had already sold about four to five cars.

So did you give her the promise ring? Did you give her your precious? I gave her the promise ring, yes. Okay, very good. So you guys are still together. So it worked out in the end. No. Okay.

Well, that promise ring didn't last long. Yeah. I gave it to her, I think, December maybe 20th, and she broke up with me. Wait, of this past December, the one that just happened? Yes. And she broke up with me December 23rd. Oh, your life sucks. Oh, wouldn't want to be you.

Yeah. No, you should have actually seen it for my family. They had out my One, my aunt That only met her one time Had already bought her presents, her gifts And she had already Asked me to return them

So No, that sucks No, I'm sorry, what happened? I begged, I pleaded it I did many, many times Well, I don't know if that's what keeps them around Yeah, no, especially for what happened Afterwards

What happened afterwards? I found out that she was still in contact with my sister. Your sister? Yeah. I asked her to ask her where her new apartment was because I thought she had moved into this apartment that was right next to my old work, but found out she had... She's your ex.

Why do you need to know where she lives? I wanted to apologize and send her flowers and say... We've all been there. You can have your crazy moments. I had my crazy breakups. We all did. Maybe in early college. Not at 27.

Continue. Then it was a whole thing of she basically asked me to stop contacting her. Oh, yeah. But I just asked for just one last thing, just my stuff and the promise ring back. I wanted to return it. I wanted because there's no value in it no more. Obviously, she wasn't going to be using it like that. I don't think that's what constitutes value of a ring.

Well, it's a promise ring. Like, there's a significance behind it. So I just like. I don't think that's what she thought. She was like, oh, this is. is money. Yeah. So I asked for my clothes back, my hoodie that I got from boot camp. She didn't want contact. I understand you wanted your shit back, but you're probably a freak.

Okay, show me your text messages. Yeah. Yeah. Oh, yeah. Oh, yeah. And don't you delete any? I'm not... All right. Oh, let's see, Mr. Liam. And you should be in no position to be judge, man. You should be in no position. What do you mean? I have a girlfriend. We're working. Like, everything's great, actually. I'm in the position. You don't understand, like, how difficult it can be sometimes, man. What do you mean? Yes, I do. I've lived life. I've had Brad, bad breakups. What are you talking about?

Well, for your life right now, dude, you are living the dream right now. For two years, I've had a lot of money. I was living longer than you've been alive right now with less money. I'm just saying, man, when it comes to like... You literally can't say that. That's bullshit. Just because someone becomes unsuccessful, it doesn't mean the rest of their life didn't happen. What matters right now, what matters the most is what is going on currently in the life versus what has happened in the past. You learned from it, absolutely. But what's going on right now matters more. At 27. It just very pretty. So I get it. This will be my past message to you. Starting it off with a typo. That's going to get her back. Not out of spite or anger

just so I stop bothering you. I'm sorry. I have no idea how to feel what to believe. and what to do anymore. I thought, why, yeah, yeah. No, that's enough, man. Come on. Come on, that's enough. That's enough. Like, there's no need for all that.

No need for it. Absolutely. Yeah. I agree. First of all, why are you on Boomer text, man? What? Oh, you can zoom in and out on this. That's actually kind of nice.

Yeah, iPhone can't do that. No, iPhone can't. Tim Cook, before you leave, if you're listening. I thought if I was mad at you, I could move on easier. But that was wrong. By the way, I wouldn't have done this if you said literally your income problems weren't because of this. This is all you.

This is your choices. This is you. I wouldn't be doing any of this. You had a single moment of this. It wouldn't even be considering it. In fact, I wouldn't have even known it existed. Colton didn't know this existed? Mm-mm.

You might have a smoke. Yes. All right. Cool. Appreciate it. No, I do mind is what I just said. I'll be quick. I'll be quick.

No, I do not consent to it. I will kick you out. It was just real quick. You're not going to die from it. It's fine. Addict, disgusting, pathetic. It's fine. I'm glad she left you.

You're going to die tomorrow? Good. I don't know. I hope not. Oh, then your immune system is shot. Huh? Your immune system is shot then if you're going to be dying tomorrow from that. Oh, I can get hit by my car.

I don't know what's happening. Then that's not my fault. I didn't say that. I thought if I asked for my stuff back, I would stop thinking about you. I was wrong. I've been wrong a lot in my life. and I've made a lot of mistakes. But when we got together...

Is there anything else that you could possibly be doing right now besides just blasting that? Is there anything else? But when we got together, I was happy, truly happy. Like, I just made the best decision in my life. But a story... This episode is brought to you by L'Oreal Group. Beauty is a powerful force that moves us.

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Started on a lie and ended up with more lies. You didn't deserve them. I thought I could get away with it, but I was wrong again. I really enjoyed the memories we shared, and I will always hold those close to my heart. Are you happy with yourself? I'm sorry that I've been an asshole lately. I can tell you're kind of enjoying this.

I just miss what we had. And I also got mad that you moved on and I didn't. Last Saturday, when named Blacked out, confirmed it. I was furious that you were happy and I wasn't. That was a selfish thought. And I will most likely feel it again probably tomorrow or next week. But honestly, I'm happy for you. Hey, can we just stop?

Like, honestly, just that, that, that, dude, that's not helping. That's not solving anything. I feel like you're just doing this like for your own, for your own little thing. So that, that. For my show, yes. I really only ever wish happiness for you and name blanked. But I haven't been displaying that. That's why after this message, I'll be blocking you on everything I can find.

Uh-huh. I think she was the one trying to block you, dude. Come on. Listen, I've been here. We've all sent the crazy text. We've all done this. You don't do it at 27. This is a high school, early college thing.

Because I know I'll reach out again if I see something on your Facebook, Instagram, or whatever. I just want you to be happy. I've been a mess of emotions these past two. Two months! Good death, man. And you've only seen the worst of me through it. you guys together before that?

Five months. Oh, buddy. Five months on, two months bad. Rough living. I still love you and always will. But the best thing to do now is to let you be happy. Keep the ring. Throw it away into the lava of Mordor.

It's yours to do with as you wish. I really want to become a better person and I am trying. I don't want to repeat anything. more mistakes in the future. I wish you and blank a safe and bountiful journey in y'all's future. Who is that person? I'm bleeping the name. That is her daughter. Well, she has a daughter. And it is not yours. Not mine. Okay. You happy? I didn't get a screen recording because it's Android. I don't know how to start it. Cool. So, um, he blocked her. This was Thursday. He said he'd block her. But he didn't because then the Sunday that came after that, hey, are y'all at church? I thought I saw

that name in the indoor playground. Yeah, she didn't respond to that or any of them. Yeah, no shit. I also have the text messages. Because it's my phone. I know. Can I have my phone back now, please? Dude.

I mean, the most recent message she sent to you, I got told of the times you were stalking me without me knowing, so no trust from your part. And there's other shit too. So you basically played both. What is this? She said I'd give your shit back. Then we can go back to not knowing each other.

Dude, she said you were stalking her. She said, this was not set up. We didn't know what was happening. I mean, we knew there was something, like, we knew that you, or Colton knew that you, and that's like a weird thing. But she said you were stalking her, man. That's real.

That's f*** up. And again, we've all had the crazy breakup, but not at 27. It was my first time actually in a relationship that day. Dude, you got a girl pregnant. You have a child. That deep you were five months in. That, honestly, you really want to know the real story behind that.

Oh, here we go. He was an accident. Oh, we all are shocked at that information. He was an accident. Yeah, he busted. And here's the thing. And here's the thing, I would not take back anything that I would do regarding that. I still love my son with my entire heart, and I would not take anything back.

But it's one of those things, if you really want in the honest truth, when it came to the relationship between me and baby mama during that time. She said you're not going to make me feel bad for wanting to move on when you were quick to run to her X. Dude, you were together for five months. You will move on. This is like a little painful hole you have right now, but after a couple months, you will move on. Everyone moves on. I've already moved on. I've already moved on.

That's why I'm trying to- You've had a crazy breakup in your life, right? No, you've never once, like, had a moment of like, oh my goodness. Yeah, Brandon has. Lindsay? Yeah, we all have Mark. Yeah, we've all acted weird. I have had too. It's a little late in the game, dude. I'm trying to, I'm trying to be better for, I'm, it's, the situation blue, the stocker, the situation blew up into such a proportion that it was not supposed to be that bad. But you, you, you, and you started this again, would not be in any of this, would not be

in any of this. The situation, because you said it wasn't your fault that you're in the situation. That was all you. You stalked her. You stalked her. But during that time, it was not my fault that she... In balance! It was not my fault.

It was not my fault that she actually found out between me and Baby Mama. Because Baby Mama was the one that told her. That wasn't me. I did not... That was after everything. That was after everything. Yes, I'm not saying it was right. It's not your fault that she found out that you were stalking her?

It wasn't my, okay, I'm not, it's, okay, it was my fault. Okay, you're, okay, you're twisting up my words a little bit. Kind of, I'm just hearing. Okay, here's the thing, here's the thing. For what I did, yes, it was bad, and I'm trying to fix it. But at the very same time, I would not have done it if things, if things did not play out the way that they did. What? You can't justify stocking.

I'm not trying to justify it. No, no, no, no, no. You just have, you just, what? I'm not trying to justify it. No, no, no, no, don't, don't. I'm not trying to justify. What I'm trying to say is, what I did had motives

behind it. You thought she was cheating. Colton's telling me. Thought, not confirmed thought. And you're probably just going to be delusional. And here's the thing. I know you also went to the apartment and says, oh, she can't afford this on her own. Her new apartment, by the way, so she must be with another man. That's all a... Pathetic disgusting weird. That's assumption. Leave her alone.

She has nothing. She has not given me any other reason to think otherwise. What? It doesn't matter! Wait, hold. Why are you entitled to know? It doesn't matter. Because due to that, her moving into this brand new apartment that we had no idea, we had no idea to talk about, leaves me only to assume that she was already talking to someone else before we had broken up.

How are you going to move in with someone? No, how are you going to move in with someone? Maybe she found someone. Huh? Maybe she found someone. Well, hey, good for her. But at the very same time, within like two weeks, then you guys are going to move in together. Then you guys are going to be sharing rent and trusting someone.

Also, you don't know. You don't know that there's someone there. Everyone's just assuming right now. We have no confirmed answers. Everyone. Dude, you sound crazy. You actually sound crazy. Everyone's just assuming?

No one's thinking about this. You're obsessing over here. Nobody knows that she's with someone. You don't know she's with someone. You're assuming that because you show up to her place like a freak. I did not show up to her place. No. No, I sent her flowers to the apartment.

I don't know what. I didn't know her apartment number. I never found out her apartment number. She said leave her alone. Dude? Why are you sending her flowers? Because she never set back the promise ring. She sent me everything.

Oh, so you sent her flowers. I'm a girl's girl. I'm on her side. She sent me everything else. She sent me the hoodie. She sent me all of my old belongings, my veterans' hoodies. She sent me everything. But she did not send back the promise ring and I don't know why.

And I tried asking her about it and she got very defensive about it. So that's why I was questioning. I got very defensive about it. She blocked your ass. No. Well, I blocked her on Facebook and when I actually kind of messaging, I don't know. if she actually blocked me or not. Uh-huh.

Well, you don't see that on Android if she, if the actual person blocked you or not. Like, you can't see that. But I don't know what she did with that promise. I don't know if she still has it. I don't know if she threw it away. So how can you say all this? So here's the thing.

You went through a rough breakup. That's it in the end. Well, other than you being a freak, stalker, a man that every woman in this world should be afraid of. But besides all that, that was still your fault. And you're saying that it's not your fault that you got laid off.

and now you have to drive Uber Eats. Yes, it is. You could have shown up to work and separated life from work. It's impossible to do that fully, but you could have done your job. But you just walked around the parking lot, and that's on you.

I was still doing my job while I was on the phone. I was still doing my job. I was still doing my job. Yes, yes, I was walking around. And whenever a customer came out on the lot, I would greet them, I would talk to them. And at that point in time, I would then bring them inside.

And that's whenever I would talk to another coworker, be like, hey, they want this. car, I brought them in. Listen, the fact is you're not over her and you shouldn't be taking this out on your baby mama and current kid. Because I'm being told you're just, now that after that she threw you out, you're like, oh, shit, I don't know what to do. Now you ran back to her and you're trying to build a happy family and considering even

moving in. No, buddy. You're showing up sending flowers to apartments. You're a freak. I'm sorry. You're a scary. You're a scary individual. We'll probably double security for a few weeks because of you.

You are... That was three months ago. People change, man. People change. I'm being better. I'm becoming better. I agree people change. Three months is insane. Maybe for you, not for me. For any human being. Come on.

No, three months is crazy. Change can happen within 24 hours, man. Also, the breakup was three months ago. You were showing up and sending flowers for... You're making it sounds... You're making it... stop, stop. No. Anybody can change within 24 hours. The breakup was three months ago. You were still showing up and sending flowers and searching her up and shit. The official break up was end of December.

Show me the text. Show me the text. Show me the text. We did it in... So I really don't know if it's actually gonna be on text or not. It might not be, but just show me the text. Yeah, all right. If I find nothing, I find nothing, that's fine.

Yeah. Uh, okay, there you go. Okay. Go back to it. You already read most of it. Okay. Your last text was March first. This was not three months ago.

March just happened. No, okay. When was March? March? That was two months ago. Okay. It was exactly two months to go today. Three months to go.

Two months ago. You're saying you changed from sending that text message, doubt, doubt, doubt, doubt, doubt, doubt, doubt, doubt, doubt. You just met me today. You don't know how I really... But you're a freak. I've learned more about you in 42 minutes that every woman should stay away from you.

That's your own personal opinion. That's your own personal opinion. You don't know anything else really about me. You only know the worst. You don't know how nice for a person I actually truly... Oh, you're the good guy. Still. You don't know how far, like,

how I've been actually willing to go when it actually comes to, like, helping people. Yeah, I was so nice. I was helping her making sure I showed up to her apartment that she could afford it. I was so nice by making sure she could afford her new place after she blocked me and told me that the trouble. I was shown nice for myself.

I was showing nice by seven-year flowers. Recent events don't back up what I was saying. But, okay, if we were to go back, okay, if we were to go back, I lived in Virginia for a good two years. Give you a prime example. I was off work one day. I was taking my sister's car, and I was actually driving back home, and I saw this homeless man on the side of the street.

And I was saying like, hey, man, everything okay, everything all good. He was like, yeah, man, I just need some money. I was like, all right, cool. So I hand him a 10. And I was like, hey, do you need anything else? He was like, yeah, hey, you got any more? It's like, actually, yeah, yeah, here. Let me run by an ATM real quick.

No problem. He's like, all right, cool. Do you mind if I get in with you? It's like, yeah, sure. So he got in the car, he got in the pastor's seat. We went over to an ATM. I pulled out $100 for him, and I gave it over to him. And but the backside of it, maybe a week ago, I saw he was out there again.

And curiosity kind of peaked. a little bit. I was getting off work. I saw he was walking towards a parking lot and I was like, oh, see what's going on. He got into a car. It was, I couldn't recognize the name, but it was a clean car. It was a nice car. I was like, what the hell? So I followed him and he drove home. This homeless man had a home and I... You're a weird man. I can kind of... Freak. I can, yeah. You're a freak following people.

What is wrong with you? I was curious. Also, wow, yeah, you're such a good guy. Here's the thing. When Colton is talking to you, you're so defensive and you brought up your good guy attitude, but you told him the exact same story. You only have one story of one time you've done something decent.

Your good guy thing, it shouldn't be things you can brag about, one big story. It should be just things you're doing throughout your life that nobody knows. This is so weird, man. And then you're following him home. You stalk the homeless man.

Maybe he stayed at someone's place night. Maybe his family member picked him up. You don't know. Maybe he's in a halfway house. Oh, it was not a halfway house. I don't know. No, it was a nice, nice two story. But that's the thing. You don't know. I don't know. Everyone is always, it's always an assumption. No one actually knows any kind of real story until you actually asked. Yeah, you were assuming. No, I'm not. You just did. I'm saying maybe it's something else. Maybe it's something else. I'm not assuming nothing. But you were saying, no, he lives in a nice house. Homas's man lives in a Well, you weren't there.

I was. Yeah, you stalked the homeless, man. That is true. I didn't. That is the one that saw the house. You just said that he may be a lot of top wins. Yes, but you don't know who owns a house or who he drove with. So you can't say.

So that, yeah, that's, we don't know. So we're assuming. Every business is asking the same question right now. How do we actually make AI work for us? The possibilities are endless and guessing is way too risky. Because, yeah, AI sounds great. Until you're wasting money on tools that don't talk to. other or actually help you make better decisions and if you're sitting there waiting to figure

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this is exactly what I'd want in place. If your revenues are at least in the seven figures, get our free business guide, demystifying AI at netsuite.com slash hammer. The guide is free to you at netsuite.com slash hammer. net suite.com slash hammer. All right, back to the podcast. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollar Wise annual, you'll get my four course educational bundle as a special bonus. So you can get financially

ripped while you track your money. And normally, this would cost over $700, by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and a lifetime access to my four best-selling courses. Oh, and you'll also get a free copy of my budget-friendly cookbook EDF to download. So you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to dollarwise.com or click that link in the description below. Okay, what do you think your financial score is zero to ten? Five-20. Oh, you pick something healthy this time. Shut up.

Zero to 10. You said 520? I thought you asked my actual credit score. That's your credit score is 520. Zero to 10, zero being the worst, 10 being the best. Two. Okay. You're allowed to think for a second before you answer.

Okay. Listen, if you want your hammer financial score, you can get it for free, Calebhammer.com. Just take the assessment. Just takes a few minutes. See where you stand in the world of money. Where you're doing poorly, where you're doing great, what you need to do to improve.

Check it out. It is free, Calebhammer.com. And if you don't want to be like a guest who ends up on this show, make sure you download the Dollar Wise budgeting app with tens of thousands of monthly active users for a reason. They are changing their lives with those automatic account connections, seeing what they need to do to improve. It gives you that advice and it helps you.

So check it out. Take the free trial. Most people send up for the annual version because it actually saves a lot of money. And then you get my 30-day meal plan detailed with every snack, every drink, every meal for the month. So you can have tasty meals and snacks and everything throughout that month that you meal prep in. and you get the digital version of the cookbook as well.

So check this out. I'll sign this and mail it directly to you. Here you go. You can use that for your eventual shelter when you're homeless. Was this like ramen and chicken breast or something? Well, no, there's a stew. There's meatballs. There's a lot of things.

Calm down. It'll be fine. Protein balls. Protein balls. Protein's good. Keeps you full. Yep, that's pizza. This is what we call food. Shut up.

Okay. A score zero to ten. How much of a f***er you? Zero. Okay, doubt it. And if you want your record, no, we're not doing that. If you want your stalker score, go to Calebhammer.com for it slash stalker, figure out how much of a stalker you are.

You should probably take that score and do some self-assessment later on. But so far, I'm thinking it's at least an 80.5 out of 10. I would say zero. So what's this installment loan agreement? What should you borrow her to follow her around? Which one? What's the email? Can you stop with your deep?

You're like every five seconds. Like, buddy, you are not thinking hard enough for those noises. What's the in Solomon? What's email? It is you borrowed 1,970, which you'll pay back a total of 5,923. Because it's a 100% interest rate. Net credit. What are you doing?

Here's the thing. Listen, man, this doesn't make any sense. I don't even understand why you did that because personal loans and shit like that can be really good. Obviously not as a tool for you unless you change your financial situation. but on Calebhammer.com, we also have those services when people want to get good interest rate personal loans that they can qualify for. For like that $2,000, people can go to Calebhammer.com, get a decent interest rate personal loan. Because personal loans can be good. They can be used if you change your behavior, a lot of things like that. But you finance it at 100%? What the fuck is wrong with you? What did you do here?

So a little freak? So two things. The story behind that is actually... Oh, story. Story. Story behind that's kind of interesting. But the second thing is that's not really the highest APR that I got going. on right now. Oh, yeah. That doesn't surprise me, unfortunately, with you. Okay, I've strapped in. Give me the story that certainly won't answer any questions I have, and I'll have to interrupt.

So I pulled out the loan because a close friend of mine... If you considered pulling out instead of making children? Because you certainly can't afford that payday loan guy. Okay, I had to get one interrupt in. Continue. A close friend of mine, she recently got into a dispute with her significant other. I won't say any names or anything, not my business, but I had to pull out a loan to help her pay for attorney fees. She wasn't able to pull out on her own because

she doesn't work. She has no credible income. A 100% interest rate payday loan? I'm pretty sure they'd still let her borrow. That one, I wasn't 100% sure. We talked about... No, it's 100% interest. We talked about co-signing, but I was just like, you know what, it's easier if I just do it by

myself. So I gave her $1,500, and I kept $4.50. Why'd you take... What did you take up more than you needed? Why did you need to take some for yourself? It's still at 100% interest rate. That 400 is kind of...

Well, well, no, that was for me. She needed... I know, I know that. Why'd you need that? She... I pulled it out. I pulled it out for her. I know that.

I'm saying the 400 for you, asshole. Yeah. It was for a daycare for that month. What, so you could find another... No. For his daycare that month. I know. So you could find another...

No. Yeah, this one? No. It was 90. It was $95 a week. She's not cute enough for you this time? Me and baby mama split his daycare every Friday, and I gave my friend. She feels comfortable splitting your future.

I gave my friend. You're so easy, man. I'm sorry. I gave my friend $1,500 for attorney fees and for her to renew her registration. No, we got that part. Yeah. I'm talking about your part. Which, by the way, it was insane.

Like, I understand, I like the giving spirit for what it's worth. I'd want to help a friend out, too. But you're borrowing it at 100%. Are you sure you're the person to help? That doesn't make any sense. Why didn't you go borrow something that wasn't 100%? Let's call it 30%, which isn't even good. I needed something that same day.

Yeah, so you can get funded like that anywhere. I wasn't aware of it. What I mean? Just look up alone. I didn't really put much thought into or depth into it. You could have put it on a credit card at a 30% interest rate for 1,500 bucks. Oh, oh, a brand new credit card. Oh, I would not have gotten approved.

Okay, probably not. Well, credit one probably would have approved you for $1. three, five hundred dollars. Not even saying in doing that. I'm just saying there's alternatives and you chose a literal payday loan. Oh no. Me. Which is crazy. Me and Credit One already have a bad history. Okay, well there are more. You can go even further down the predatory rabbit hole.

Not that I'm advocating for it, but again, like, even just Calebem.com, you would have got a personal loan? Probably. But like, what the fuck are we doing here, man? I just, I don't understand. I don't understand. Okay, so does she owe you back for this? Is it a gift? No, she owes me back for it. Okay. Well, what's your minimumty payment on? $88 every two weeks.

Okay. So $176 a month? Yes. I don't know what the balance is at today, but it's going to balloon the 5,223 by the end. How many payments is it? That's all this is done? Couldn't tell you. Well, okay.

When did you take this out? February. Bro. Okay, so you're still obsessing over the freak. So your mind wasn't in a good spot. Okay, if you just, I'm going to assume it's like $2,500 at this point. It's only going up right now. Now. Okay. So she's supposed to be paying you. Very good. You're doing $1.76 a month for, you're on your third month now. Is she paying? She's only paid once.

Okay. So maybe she's not the best person to loan to. Almost like no one would loan to her for a reason. Then you loan to her at a loan you're getting for 100%. What are you doing? She paid you once? What? How much? When? $44. Okay. We, we, we. It's not even a third! Not even a third of a month. We agreed that we would split the payment every two weeks. Split? You're not. Okay.

So she paid ones every two. So you've had one, two, three, four, five, six. Had six of the every two weeks? You've had six of the every two weeks and she's paid four. One out of six. What the fuck is wrong with her? She doesn't work. No shit.

So why the fuck did you get? She tries to work. She does. You don't give a loan to someone that doesn't work. There's a reason she wasn't being qualified for all these. She delivers as well on her own time, but she also has her own bills and her own fees that she has to prioritize first before. Why? That one I haven't really talked to her much about.

Let me see the text messages between her. Half this episode is just you going over my text. Yeah, getting context. Yes, it is. Absolutely. It's important to get context so you can make an informed opinion on something. Okay. I only have 20 to my name at the moment.

This is her most recent thing. I'm barely making payments on time right. now. I've had to take on more bills in business and business. It's still bad. What business? She, her delivering. Okay, that doesn't make any sense. She delivers the same as you. You got 40 hours last week. Her vehicle's not as reliable and she has anxiety while she drives. Okay, if she has anxiety while driving, her job shouldn't be driving. Like, is she, she's obvious. Have you ever stuck it in her? No. Are you trying to? I previously did have feelings for her. This is why you're willing to do all. This is insane.

But those feelings have dropped. 100% interest rate for a girl. Usually doesn't come out of nowhere. I'm thinking I'll have to love sub pay you. Ha ha. Good luck. My attorney fees end in August. Oh my gosh.

Okay. My bill's auto draft. No shit. So I don't have anything available. That doesn't change anything. What do you mean? You said, sorry I freaked you out. Yesterday I thought it was funny.

And then she never responded to that. What the fuck did you do? You are a freak. You're scaring women. What did you do? I was delet. delivering to her apartment and I recognize her car with her hazard lights on outside her significant other's house. So I just texted her, be like, hey, L.O.L. you left her headlights on, just trying to make a joke about it.

Everyone in this town know that you're an obsessive freak. It was just coincidence at that point in time, man. That was not stalking. Is she cute? What are you doing? Calling her. Is she cute? Why? To talk to her. Who is there the volume?

Hello? Hello? How you doing? Who's this? Hi, my name is Caleb Hammer. You are currently on financial audit. A million people are tuning in at this exact the moment, just so you know. I have a friend here.

I'm calling him Liam, and you are anonymous. Trust me, no one knows who you are. Your name has been bleeped. But his name is what we're calling him Liam today. You owe him a lot of money. Why are you not paying him? A lot of money that you owe him. Why am I not paying him?

Yes. He actually knows all these different things, and we actually had a few different discussions that I'm pretty sure he might not have told you about. Yeah, you can tell me your perspective. I'm on your side here, girl. I'm a girl's girl. Let's go. Well, as far as everything goes, I told him I was going to be able to pay him after August because I have other financial obligations. For a while, we have been going back and forth through text.

And prior to that, I was actually trying to talk to him about maybe setting up chapter 7 in some things because I saw 15 and I don't have the finances to pay him until I get some bills knocked out of the way. And that's what I love to add as. You owe him literally only $42 every two weeks. I know you don't do well, but $42 every week for a friend who borrowed a massive loan at 100% interest for you. I think it is kind of disgusting and unfair that you're not willing to give them $42 every week every two weeks. I know for a fact.

I know for a fact, just by looking at documents and everything, there is no way you didn't spend $84 last month on personal fun. It's one of those things. I know for a fact. We've already had a discussion regarding that. We've already had discussion.

Did you spend $84 last month on any fun? Like going out to eat or doing anything? Bullshit. Will you send me your statements to prove it? I can actually open up my bank account right now, but can we... I don't have credit cards. I don't have credit cards.

anymore. I have all of those canceled out and closed. Why aren't you making much money? I'm still searching for a job. I've been putting in applications and I mean, I've been doing trying or trying to do delivery work, but how do you try? That's a gig work. You don't get guaranteed earnings on that.

Kind of, but he did 40 hours last week. You could do at least 30. Dude, come on. So respectfully, I don't think you know. know what my what's going on in my life but I can't show you or I can't say for a fact that in the past month what I've spent is on my my big bill 500 then there's optimum more optimum which is phone stuff spent a little bit to get some groceries and that's actually last month so between all of that what is that thousand bucks maybe a thousand bucks total, maybe 1,200. If you're driving 30 hours Uber Eats making the amount of money he's making just about for hours, you should

be making. I don't do Uber Eats and it's yeah, that's the different thing. It's a different delivery job, but. You could make more money. How many hours are you working? Well, that again, average that I can

actually get because it's dependent on the gig work. Why not do Uber Eats? It's only based off of, well, It won't let me. There's certain jobs that, like, you get on a wait list. So I've been trying to do, like, user testing. I've applied the jobs. I haven't heard anything back for a lot of different applications. I don't know what to tell you, man. Like, I've been trying to have this conversation with him before. And a while back, I asked him about what he thought on these different options for trying to figure out finances. I think that was back in, like, February. And he never

responded to me on that. And then comes back and he asks if I have some money for him on like a random day. And I told him that I don't have anything right now, try again later. And then when you did contact me, I had literally just paid the $500 that I owe. And I only had 20 left in my account. So I sent him $20. And then I told him, I'm not sure I'm going to be able to pay you. Because like I said, I've been doing gig work. It's not something that. consistent. I can't consistently lay out what I'm going to make. So the thing is, he borrowed at 100% interest

this debt for you. And he told our producer for the show that he feels, quote, taking advantage of here. Listen, I'm willing to be on your side. The thing was, I have text messages to, like, I could send you. I read the text. I read the text. I'm willing to take your side if you are willing to text him a screenshot of your last 30 days of your checking. account. So we can see proof that you are prioritizing life over... So I don't have the ability to screenshot my bank account.

Say, hey, that's one of their policies that they don't get. Download a statement and send it to him. What checking account is it? I'm sorry, you're breaking up. What checking account is it? It's a USA checking account. USAA? It's a federal checking account in the app.

Can you download the statement and send it to him? Can you download the statement and give it to him? that I haven't spent any money on... Can you show us? Can you prove it? Yeah, I can prove it. I'm just saying, or I'm just asking, like, just so I'm proving that I haven't spent any money on anything fun, right? Yes, just send us your checking account. We'll black out anything personal. Like, you will never be doxed. You can look up the show and see that no one's ever been doxed. But listen, just send us your most recent statement. I mean, he's having hard trust issues. and I am too and I want to be on your side.

But this man took out a thousand percent interest payday loan. And for $42 every two weeks, it's not the, you know, most... Did he tell you that it wasn't just for me? Yeah, he said, I think 400 aside for him, yeah. It wasn't just 400 that was a set aside for him, but okay. I'm looking it up and I... Because he said he pulled out nearly 2,000. That's what's supposed to be 800 that went back towards him.

Okay, well, hold on. He did not say that. No, that was not 800. He said 400. Towards me. Oh, no, because it was supposed to be about almost 2,000 that he pulled out from that loan. Yeah, it was 2000.

It is what he said. Yeah, almost 2,000. And then he gave me 12 of that. And so 2,000 minus 1,200 is $800. Whoa, whoa, whoa, that was not 12. I have bank statements and the Zelly transaction of me sending over 1,000. And then a second transaction sending over, I believe it was 300. And then after that, it was another $200.

It was 200. Yeah. So I remember actually sending over a full 1,500 because it was for your tires and then for your registration and then the insurance. No, you didn't give me money for my registration and insurance. I know that there was the 1,000 and there was the 200 because one was you had two losers right now. That it lets you send. And then you sent the other 200 for the tire. And then we were talking about the insurance and the registration.

And I was telling you that I had to be working on that. But then I had a lot of medical things and other stuff that I had to pay for. Do you have an Android or iPhone? Okay. I have an Android. Okay, you're right. It would block screenshots. Can you just download the statement and send it to us?

Let me try to figure that out. It's literally just in the statements thing. You should be able to pull that up. It's super easy. I'm sorry. My anxiety is just really high and I'm really, really shaking. I have this thing called PNES, which can cause me to have stress-release related seizures. Okay, well, okay.

Yeah, so just give me a second. My brain is blanking on it, so I'm just searching through. I'll hang up so you can just send it to us. Take a few deep breaths, calm down. I don't want you to get hurt. I don't want to have anything get messed up for, you. you guys, because I don't, I don't know if I'll, I'll follow through with sending it to you if you, if you hang up because of, um, uh, fair enough.

Then I'm going to, I'm going to hand you over to my producer then, uh, who's going to step out of the room and get you to text him the number, okay? Um, so the, I, I'm texting it to, to who? Uh, to, to your friend. You. I have. Why a lot? I have my Samsung notes on my front page that shows the exact amount. That you wrote down?

Yes. That's what you wrote down? You writing down something's not proof. It's not proof. It isn't. But I also have bank statements showing that transaction and that transfer from my account. Yes. This is an insane personal loan to take out for someone that doesn't have a job.

And someone who can't drive because of their anxiety and their job is driving. What's her gig work? Instacart. That was a good phone call. to make. We should have made that. I'm glad we did. You see how much bullshit is going on in your life, even regarding you or not? I just know the aftermath of it all is just going to just come crashing down. Well, what's the aftermath? She either admits grows up or doesn't pay and you cut her off. That's good. Don't have losers in your life that abuse you. What? The X that you don't talk to is not going to

talk to you even more. You're right. Okay, that's not a bad thing, man. What's the bad? bad thing. And also, why didn't you tell us not to do this if you didn't want to do it anyway? I didn't have the balls to do it myself, I guess. Do what? Confront her? Yeah, you should have. If I were to be honest. Yeah, yeah, I know. All your balls do is just put babies and other women. We know. Oh, you got a speedy cash loan? Let me guess. Another payday loan. Certainly sounds like a 346% interest rate. What the fuck is wrong with you? What did you borrow this for possibly? possibly. Possibly. So in the month of February, you had to take this payday loan out for rent.

And then yet you still took out this previous payday loan for her? Does that make sense, my friend? Well, it's... Conroe ain't an expensive city anyway. It's not an expensive city, but the place, the house that we are in, it's a bit outside my budget. It's grown outside my budget. A cheaper place, guy. We plan on it. We plan on it.

Who's we? What are you talking about we? Um, me and baby mom are slowly trying to work things together. And we have the... That doesn't make sense. You going back to her as a backup option. It's not going to be fair to her in the kid in the end. It's not. That's why we're trying our best to work through our problems.

Two months ago, to this day, you sent that other girl that you're obsessed with and showing up to her place messages. I didn't show up to her place. I sent her flowers. You went to her place to figure out she, you, and then you said, oh, she can't afford this. She must be with another guy. Yes, you did. It was me assuming.

Yes. Yes. There you go. You did. I didn't say you showed up for the flowers. I know you sent those separately, but you showed up. Stop breathing so heavily. Trying to.

Trying to. It's just a lot. Just a lot. Oh, it's barely started, unfortunately. Oh, and a little side note. That payday loan, that principle hasn't changed since I got it out. Yes. It's their 346% interest rate.

What is your monthly payment on the $750 payday loan of rent stupidity? Dumbassery. It's not a monthly payment. Median rent, it's actually a little more than I thought, but you can get a one bedroom for $1,195. What's your portion of rent right now? $1,110. Okay.

Yeah, go get yourself a studio, man. Plan on it. But like I was saying that. If you have a plan, that's great. I love hearing you have a plan. So tell me the details of this. Staples Preferred Business Membership, built for busy business owners,

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That was easy. Plan. Whenever we actually leave this current... That's not a plan. You don't have a timeline? No, because we're waiting until... You're not planning on it on. This loan that I'm trying to get to,

it's not a weekly payment. This loan is a bit different. They have two different type ones. The very first one, it's a weekly payment one where you pay a small portion of the principal plus interest and everything else, and then the principal goes down. Just what's your payment? Well, the payment is $750. That's the thing.

$163 is taken out of my account every Monday if I can't pay it. Fuck. Ooh, man, if I had no morals. Ooh, the amount of money they could be made. We have, like, good personal loans that we help connect people with on the website. good credit cards that we help people connect with on the website. And more services coming soon because we want to help people. This just kills people, but man, it helps the business owner.

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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. You can get up to $200 in bonus cash right now. When you sign it 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. Link in the description below. And the principal doesn't go down. Principle does not go down. Oh, baby. Do you mind if I use restroom quick?

Do you have to? I've been holding it for the past 30 minutes. All right, go pee, girl. Oh, you're already taking your deep breaths, I see. That's good. I feel much better, though. Good. I'm glad. Nice to come back to this immediately.

This is a show that you drove here for, yeah. Yeah. I'm good, okay, so it's like $600 bucks a month with a principal. I don't know. I don't even know how to incorporate that into your minimum monthly, so. I'll figure that out by the end. Okay, this is on your credit. So what is this?

J.P. Morgan card. It's close. but is it in collections? Probably not if it says J.B. Morgan. So it must be, okay, pull it up. No, you can't. You don't have your phone. Fair enough. Okay, so tell me, what's going on with this J.P. Morgan card?

Chase. I have not paid it in the past, I believe, in nine months. Oh! Well, good thing we're taking out paid any loans for our friends that can't pay it back and don't have jobs. What the fuck is wrong with you? Why don't you pay? A minimum three paying.

What was the minimum? Like $25? $25? $350? No, not before you. you started missing payments, it was not. No, whenever I maxed out the card at $7,000, the minimum payment was $350.

Okay, yeah, maybe. So what's the fuck, dude? Well, you got it down to $2,645. Oh, the Amazon card. That's 86. I thought you were talking about the other car. I apologize. No, the...

Okay, so Amazon, how did you fuck this? I don't remember. Well, what's the status of it now? I know it's closed, but it's not in collections yet. So you can still make your minimum fee payments You just can't purchase on it Oh, I could absolutely I just know you can't

It's closed But I could make the minimum monthly payment Why don't you? I choose not to I have to pay you Why do you choose not to Choose choice choose

Because I have to prioritize utilities I have to prioritize utilities Spent 200 hours going out to eat last month And this minimumity payments Like 84 bucks shut the fuck up Subscriptions alone was 175 Subscriptions alone 175

It was double the minimumity payment for this. Choose. Choose. Yay. You're right. With subscriptions, that sounds like AT&T. That sounds like my phone bill. Potentially. We'll see. But 143 also in miscellaneous bullshit either to stop into gas stations, who even the fuck knows? So your bullshit alone was, and then other large purchases was thousands. We don't know what those are yet. I don't know what those are yet. We will go through them. But at a minimum, we know the bullshit purchases were like 500 bucks. You're telling me, choose. Yeah, you chose. You chose bullshit over paying minimum. So you just

watch your card score to go below $500 because of well, what's your plan here? What's your plan here? You plan, you're a planner. What's your plan? I planned on accumulating everything in one big loan through J.G. Wentworth once I actually had a sustainable job. $700 cash now.

Oh, why, why, why, why, why, why, though? Why not just make your minimum payment? Why are you f***ing yourself? I have no money. I have... You do. You spent $500 on bullshit minimum last. month, you could have made an $85 minimum payment. What is it, 85? I'm still putting that on your minimums. You're paying that. But I still owe people a whole lot of money. I can't sit there

and prioritize... But you've prioritized $500 on bullshit. You can't use that excuse when you spent money on bullshit. It doesn't work. If you spent zero on bullshit and you said I have to pay other people things, yes. But no, you spent money on bullshit. It doesn't work anymore. It is something that I do need to change, you are absolutely correct. It's stuff like this just happens, honestly. It just happens. I'm trying my best to get out of it. It just happens.

It just happens. What does that even mean it just happens? You did it. Yes, yes. But it snowballed into such this effect that Yeah, but you can still just make your minimums. That's all I'm saying. But it still wouldn't even like begin to even make a dent. It doesn't matter. It doesn't matter because that 85 absolutely doesn't matter in that context because that 85 can be used elsewhere.

I mean, is you are getting missed payments on your credit report, which is f***ing you. Yeah, it is absolutely. So who knows if you're going to qualify for Wentworth? That 85 that I spent towards that credit card is 85 that I basically made in that one to two days, maybe one day if it was a bad day. It's actually $500 you spend on bullshit that month. So, so what the fuck are you talking about? And also, your friend, they're still talking. Yes.

Why would you possibly give that person money? She's irresponsible. She makes excuses for everything. No way she can't pay $80 bucks a month. I refuse to believe it. I refuse to believe it. And if she doesn't send a statement, it's a pathetic thing that's happening.

That's when I try to get... You got it? We have it. It's official. It's on the phone. Huh? It's on there. I don't know how to get back to it.

Get you your text, my friend. Get you your text. Let's see. Did she deliver? Let's find out. You swipe for it. left Roy. Okay. I get that. I just tried to give her the benefit

of the doubt. I tried to understand her situation. She was in, she's still in a big that's her, that's her boyfriend that she got into the dispute with. Okay, let's see. Okay, yes, she can work more than this. There's no way she only brought in $500 last month. She's choosing not to at that point. At that point, she's choosing not to.

I'm trying to give her the benefit of maybe something came up or I'm just trying to sit there and be like, hey, stuff happens. Stuff happens, but she's choosing Spotify over you. I'm not saying she can't do Spotify, but she is choosing Spotify over you. Right there, $6 charge. She can listen to ads on YouTube.

It's annoying. It sucks. I get it. It doesn't matter. She is choosing that overpaying you. It's as flat as that. Let's see. She zelled someone, not you, 160 bucks.

She chose that person over you. Her ex. It's her ex. No, no, no, no. The name that you said previously, that is her current situation. Okay, why'd she send him $386 there, $160 there? She's doing that instead of paying you. It may have been a portion for rent.

I don't know. Now, for what it's worth, you're right. Other than Spotify, there isn't a lot of bullshit here. But the fact that she's only making $500, she can make more. And the fact, if she's too anxious to drive, she needs another job. Call center, call center. She can work at a call center today. I'm not saying that's a great job, but she can do that, make more money.

money and pay you back. She's being selfish. I don't look at that way. Of course you don't because you want to fuck her because you're a weirdo. Let me see what she looks like. Show me what she looks like. Show me what she looks like. I'll see if this is worth the simping. It's not simping. It's that profile right there in the black and white. I'm sorry for the pictures. It's an Instagram or something dude. Yeah. No, it won't load. I think it's the Wi-Fi. Instagram won't load? I don't know. You're not on Wi-Fi. We've got Wi-Fi is down?

Oh shit. It's a storm. That sucks. Well, I'm on cellular. Yeah, I don't know why I won't load, but... Well, because Wi-Fi's down. Well, yeah, but... Profile won't load. Can you not see that? She's potentially attractive. I don't know about Simpworthy. You try to pull her up on Instagram, I turned off Wi-Fi.

Why do you owe your sister 4,000 hours, possibly why? Oh, 4,000? Possibly why. That's insane. Do you stock your scissors or two? No, I haven't paid my utilities for the home. for almost a year to a year and a half. Yeah, you spent $500,

assessment and bullshit at a minimum. What is the wrong with you? What is wrong with you? What's your monthly utility payment? This is pathetic. Your sister must hate you. All around, I would say, monthly utility payment from my share.

I know I pay water. That's already 140. Electricity. What is your sister think of you? You're pathetic. My sister does try to have my back when it comes to... She's enabling.

If you're not paying your utility, and you're having fun instead. That's having your back? No, it's pathetic. She's family. She's family. Yes, and family enables more than any other. I'm just going to be man.

Man to man. The life you're living is pathetic. Okay, I'm dropping, you know, going crazy, you know, with the show and everything. Your life is pathetic. The way you stalk women at 27, the way you treat women, you're taking out payday loans

at 100% to simp for women. You're not paying your sister, you spending on bullshit instead of paying people back that you should. It's pathetic. You're living a pathetic life at 27, and you shouldn't be. You pacing around in the parking lot not being able to do your job because you're going through a breakup is pathetic. A breakup of five months.

As a guy, you are pathetic right now. You don't have to be. But you need to grow up. You need to man up. You need to start acting your age. It's not a guy thing either. I'm just man-demanding. It's just pathetic.

You're living a pathetic life. You need to wake the fuck up. You have a minimum monthly payment to your sister. I do not. Why do I have owed to X1,200? Okay, which X? The one you're stalking or the one you're trying to get with as a last resort?

That is my son's mom. The last resort, okay. I claimed our son on my tax return. Okay. Did she? No. Okay, so you both didn't try to. Okay.

So, no. So you owe her half the child tax credit. No. I claimed him last year on the 2024 taxes, and I claimed him again. this year on 2025, even though... Did she say that was okay? No. We agreed that she would be claiming him.

So every other year, you split? Yes. Did you do this behind your back? Yes. What, buddy? What is this wrong with you? I don't know what is wrong with you. I needed...

Why do you do this? I needed the rent money. She needed money, too! She barely has any bills. All that she has going on right now is... It's her child tax credit as well. I know, and that's why I owe her that. I plan on paying her back.

I just... Oh, well. No. Yes. This is pathetic. The way you are living your life, behind your baby mama's back. Show me your baby mama. Let me see what she looks like.

I feel like half this, half this thing is just you looking at pictures. It really is because your entire end, this thing is just phone shit, man. Phone shit. The same actually technically just stole money from. Is that the tax return? Or did he steal more? Did he steal more? So, okay, oh, thank goodness you didn't steal more.

And she's just kind of attractive, too. Like, you can be a good-looking guy when you're not making facial expressions or talking or doing anything. So I understand how you're kind of getting some of the attractive people. That's the least attractive of them, unfortunately, is the one you had a kid with.

But I believe that was a bit much, though. What? She's not ugly. She is very gorgeous to me. No, but she's the least attractive out of all three. Well, a personal opinion. Yes.

That's why I said it. Can I see a picture of your wife? Nope. Girlfriend, but no. Wait, you're not married? No. Oh, I thought you were. It's an aura ring on the middle figure.

That's an aura ring. Oh, fuck. I'm not going on to that. All right. Oh, you owe your friend's money too. I'm glad you're using and abusing them. Or we're at it. Why not?

For the X, by the way, do you have a payment plan of this $1,200? No. Nope. I'll just pay back what I can. I promise. I promise. I promise, babe. I'm not getting with you at as a last resort

because the other woman I actually love more than you hates me because I stalked her and I'm a fucking crazy mother-f-dof- Yes. Not true. Yes. We saw the text, yes. Yeah, okay, that was true before.

Currently, not true. Two months ago. So, at this exact date, your friends, who did you stock this time? Not stock. Two of my friends have been very, very close with them. I asked them for,

rent money, I believe it was some time last year. They were very, very gracious for it. No wonder she didn't stick with you. Why would you want to be with someone who can't manage their own shit? I did pay them back a fifth of it. I paid them $250 at one point, but I had to take

out another $200 because they were about to cut our electric. You're calling your friends take out. I had to ask for an additional $200. For what? Because they were about to turn our electricity off. Dude, your life isn't our summer. Cool. I'll get you a

course career certification list. A lot of people in the audience have used those and converted them into either pay raises or six-figure jobs at another job. I will get you that. I will get you that. I'll get you on the mind card as well. Just listen, you've got to get another job. So we've got to boost your qualifications if you're struggling. I bet your job applications are shit and you don't know how to do a resume. Oh, I actually do have a resume. I do have a resume. I bet you don't know how to do it is what I said. I'll look at it in the post show. It's probably shit. It's actually pretty good. Depends what you're applying for. People don't know how to curate resumes is the issue. And if you're not getting any hits at all, go work

at McDonald's you and make more money. But no, the resume is supposed to stay the same. It's supposed to... No, it's not. You got to curate for the job you're going for. It's a game. You're competing with other people. You're supposed to change your resume every single time you apply for a brand new job? Depending the sector you're in. Yes. Focus on the skills and qualities that apply to that sector more. Don't make it look like you're just taking that job. It's a temporary job and you're going to immediately move on when you get something that gears to your resume. Yes, you have to play the game. We'll talk about it in the post show because I have to talk about this

behind car payment. Truck? Truck. Oh, fuck you. What do you need a truck? You were in car sales and before that you were in phone sales. What are you getting a Ford F4-54? You're a pussy.

You're dick small. You don't need a truck to compensate. I actually got that truck five years ago at a very, very, very good deal. And I'm trying to hold on to it the best I possibly can. Well, you do have a $2,000 equity position in it for what it's worth. Why do you need to hold on to it? Because it's a 1.9% interest rate. Okay, yeah, but it's a minimum fee payment.

You obviously can't afford because you're behind by a month. Yes. Probably two now, by the way. But $369 and $16 on a normal monthly basis. You owe $9,49. But, of course, you're behind because you can't pay a single bill to say your life. Even though... Wait, it's about to be repossessed for...

A second time? If I do not make the payment by the end of next month, yes, the vehicle will we re-re-possessed again. It was repossessed once. Second time. Yes. So you got a back? Yes. So here's-

Oh, your life is a mess. And it doesn't need to be. Here's what happened. I was under the impression originally that my car payment was on auto draft. And I didn't even glance at my bank for the longest time. I had a lot of stuff going on. I can't even remember. All you have to do is connected to the dollar wise.

It's automatic and it will just tell you. Well, no, no, there's no notification on my phone. It doesn't matter. It's automated. It would tell you. Go on. I was never told the whole thing was a very big surprise to me. And whenever they actually came to tow the truck, I was just wondering why, like what was happening.

And I finally looked at my bank during that time. And I noticed that I had $1,500 in my bank account that wasn't going towards my truck. And so I used that same amount, got my truck. The very next day. And what about this time? This time. You're just not paying. This time I'm just not paying.

I don't have a reliable job. And I actually wanted to ask you the whole other reason why. Probably because your mindset on resumes are completely wrong. Well, I actually wanted to ask you the second reason why I actually came over here was I love the show that you guys do. And I was actually wondering if you guys were hiring. The one that you're like freaking out about this whole time? Yes. Well, well, hiring?

Yes, we're hiring a lot of people. Really? Okay. Would you mind if I send in my resume? What job are you applying for? What are you hiring for? Okay, that's not how this works. That immediately just disqualified you for every job. Well, I don't know what you guys are hiring for.

That's why I was asking. Which disqualified you for every job? Just hiring me for anything. What? That's not how anything works. Why would I pick you over someone who's better qualified for those actual positions? Well, you don't know. You don't actually know my qualifications. But you didn't apply.

You just said hire me for anything. That's not how this works. that immediately makes you worse than every applicant. But that's why I was asking you, what are y'all hiring for? So pathetic. What are you hiring for? Hey, maybe if you wanted a job, you should know. Well, yeah, no, you are absolutely right.

But I thought about it while I was driving over here that I didn't actually think about. Oh, can I? No, I'm saying you should have looked at their phone before you came in here. Affiliate marketing manager, senior video editor for YouTube, design manager, growth marketer product, YouTube producer, finance, senior product manager, content writer, producer, and show producer. All full-time, Austin, Texas, Calebhammer.com, by the way, for that one.

Wow. Yeah. What are you qualified? None of them? Good. F*** off. No, you're not getting a job. You're pathetic.

You will literally show up to this. The script writer, I could qualify for that. You're going to show up and kill everyone someday. I'm never going to allow you back in this studio ever again. You are shot on site. You are a scary individual that stalks people. That's a bit exaggerated. I would never subject the women of this office.

to your existence. That's a bit exaggerated. No, it's not. That's a bit exaggerated. It's really not. Your checking account started with $19. Also, no, you are beyond, your application has just been burned,

burned, and put on notice to block. 183 is what you entered with. Oh, good. You, what would I ever, fucking, what are you? You're fucking weirdo. What are you talking about? No, you don't even know what I'm qualified for.

I'm, you, pretend this was the interview. Are you one of those media strategy people clicking through slides, scrolling spreadsheets? Yes? Good. This is for you. Because on Spotify, there's an audience that's different. Locked in. Loyal, invested. They're called fans. Fans don't just listen to music. They feel seen by it, like it belongs to them. So when your brand shows up on Spotify, that's who you're talking to. And you're right next to artists like me, Lizzo. So, are you ready to talk to fans? Spotify Advertising. You're among fans.

You're a freak! Okay, first of all, those would not be interview questions, and the interviewer wouldn't be going through the phone bill. Oh, man, look what you did. Like, no, that's... Maybe I would. Maybe you would. And that's what you're looking for

of a person that you would be willing to hire. If they stock and kill women, yes. And you would find that out. UPS store, Fukuish, smoke, and vape. That's good instead of paying your bills. Go inside getting into bullshit. Netflix.com. That's good instead of paying your bills.

YouTube's free, by the way, and better. More people watch it on TV than Netflix. That's just on TV. That's not even phone, tablets and computers. Netflix sucks. Netflix is okay. YouTube's better. Bullshit. Jack in the box. PlayStation. Total wine and more.

Yeah, drink yourself through this depression of not getting over the woman that hates you. Whole lie. Taco Bell, PlayStation. Guys, you don't have any money to pay motherfuck on bills. Pathetic. Bullshit, bullshit. YouTube premium, are you stopping in and getting energy drinks? No.

Good. Taco Bell. Gamera stuff if you do, though. It's better. More affordable. What flavor is a thing? Take five. Well, you don't get any because you're not stopping it and getting them.

I think that's actually gas. Take five? Yeah. Okay. Then that's fine. You got to get gas. Obsidian King. Don't definitely got to get that. Bullshit, Sonic, Zellant Money, ATM, draw $22.

Smoke Council. Wow. Going to the nice places. Bullshit. Okay. City of Conroe. Yeah, that makes sense. Same with the payment fee.

Potential bullshit. Definitely bullshit. McDonald's. Auntie Anz. Auntie Ann's. Their pretzels are very good. Their pretzels are. They are $14.

You're not paying your bills. You're pathetic. Shut the fuck up. They're not $14. It's seven. You get the pretzel bites. Okay. You got two then.

Shut the fuck up. You're not paying your bills. Pathetic, child. Going inside getting some bullshit. Vend me out $200. Bullshit. Bullshit. In and out.

Text tag. Definitely don't be taking tolls. You can't afford to even pay bills. Tolls. Spotify. Donald's. Sonic. Sonic.

Bullshit. This is disgusting, pathetic, selfish, nasty. What is it wrong with you? I'm disgusted by your existence. KFC, Vap City, banmoing out, tolls, bullshit. My Xbox subscription, you have PlayStation and an Xbox subscription. So the Xbox subscription, uh, that is actually paid for by my sister. But it just comes out of my account. You don't have money. And donuts.

And if I'm not mistaken, I don't know what the, um, I don't know what the, um, You've overdrafted like four to eight times this year so far, which is pathetic. We're not even halfway done through the year or so. I don't know, man. I can't know what that. Whether we determine that you have left over on a monthly, on a weekly basis, 600?

Is that what we chose? That we said before taxes? About that. Is that what it was? Okay, let's call it 450 after taxes. I can have to pay a ton. You'll get the child tax credit when it's your turn. Income, not great, but, well, we'll look at that resume in the post show.

It'll get your course careers, but also, I mean, your mindset on the thing is. It speaks for itself. It's pathetic. It's bad. It's disgusting. You're broken. And you're scratching for that babe, you addict. Maybe just a little bit.

Yeah, maybe change your behaviors. Fix yourself. You can't afford that shit. Debt payments, 630, 16. Your portion of rent? $1,110. Yeah, we're already almost. breaking even after taxes and everything.

Is that including your portion of utilities? No. Oh, and how much is your portion on a monthly basis? I would say estimated about $350 or $375. I would say estimated because I don't see any of that. I only see the water. Everything else is my sister's name. And we're over budget.

So the thing is, no, we're not over yet. So we'll keep going. Phone bill. $170 a month. Do helium, $15 bucks. $15. What is wrong with you? Do helium.

Will you switch? Do you owe on your phone? I don't know. Okay, pay that off first. Gas, room, from drive, drive. Okay, okay. Most of that's Uber Eats, so that's actually taken out in that assessment earlier, so we don't have to worry about that. Car insurance, how much?

I don't have car insurance. That's illegal. Yes. But while the only reason that I would ever be driving anywhere. You're hating me with a butt for not having car insurance? While I'm doing Uber Eats, while I'm actually driving, they already have an insurance policy that kind of goes with it. You drive nothing else.

nowhere else, anytime, ever. Yeah, go for yourself. Food bill, $300, meal prep, meal plan. Use the meal plan. Digital cookbook as well. TP, $100, anything else you need to survive. Medical health care, are there co-pays and shit on a monthly basis? Do you have health insurance?

Well, you should get health insurance. We'll do, like, $150 a month for the shittiest one ever, so you just don't go bankrupt with an emergency. Subscriptions. I'll try to give you $45 for a pick two. Do you have any pets? No. Oh, thank you.

Jim? No. Okay, how much is your internet? It went down from 96 to 75. May have messed up a number, but we'll be very close. I mean, you're already over your budget, but even if I mess up a number, it's still pretty close. You're about a thousand over. Thousand over your budget.

I've been living outside my means for the past year and a half. No, that's, you just can't afford life anymore because you're just taken on that. Listen, bankruptcy or a personal loan consolidation tool, those aren't bad options. they're bad options for you because you haven't changed your behavior. If you change your behavior for three months, I will allow those. But you have to do that consistently for three months so you don't end up in the same situation again. Besides that, yes, follow the budget. You need to go get another job immediately.

You need to be working 10 times as much as you are. Unfortunately, easier said than done. Yes, McDonald's will pay you more than you're making now. You need to go work a trillion hours. A trillion hours a week. You don't have the option, unfortunately. And that's even after bankruptcy because then you've got to have a six-month emergency fund and catch up in retirement.

I didn't see a single cent. So you have f***ed your life. I do have a Roth IRA. Very good. How much? I believe it's $100 right now. I opened it up about two and a half years ago. I believe it's 110 now.

I need to look at this resume. I'm going to go, something's crazy that he doesn't know about in the post show. You're about to see it? That's very good. Oh my gosh, this military stuff with you is crazy. This military stuff with you is crazy. We'll talk about that too. Let's get your hammer financial score first.

Zero out of ten. Guys, join us in the Post Show. Click the Hamper. Join Hammer Elite by clicking that Join button there. Three premium shows every single day. Six days a week. I'll see you there in the post show. You seem to think another path is rejoining the military.

Rejoining. Why is it rejoining? Because you got kicked out last time. Because you were caught all night in the Air Force. This dude's a freak. Hi. My name is Caleb Hammer, the host of Financial Audit. The thing is, I have your stalker in front of me.

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