Financial Audit - To Catch A Predator | Financial Audit

Episode Date: August 5, 2026

Your data is being sold right now. My sponsor Aura will find the brokers selling it and remove you automatically. Try 14 days for free: https://aura.com/hammer *OHHH NOW HE WANTS TO BE A V-TUBER TO GET CLOSER TO THEM* and he's even trying (and failing) to make a sh*tty video game. This man is insane, watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= Build credit fast and get your first month for just a dollar at http://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:45 ladies, anyone interested? 03:10 Job & Income 08:30 what a weird f*cking story lol 17:12 and it got weeeeirder... 20:45 and hes a cuck lmaao 27:50 bro almost got brainwashed to be trans 30:00 caleb isnt beating the allegaytions 33:10 shoutout to the bronies 37:20 he draws WHAT 43:00 AND HE HAS ALLEGATIONS 01:01:15 discord begging is pathetic af 01:11:20 shoutout path of exile.. i guess. 01:20:05 bros weaponizing gpt in the worst way possible 01:30:25 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

To watch episodes of Financial Audit a week earlier, check us out on YouTube. What was the allegation before you tell me the reality? The pet shit she was talking about was me. Age question mark, question mark. Childlike. Oh, yeah, I lock this guy up. Okay, that's a fucking kid, dude. That is not a child.

Look at the hips on that. You're probably better with phones. I told you're actually addicted to AI. What the fuck is that? I got an AI generator on my computer and I was training it to do stuff that looks like my artwork. Kids! He's generating kid, f***. Of fictional characters.

What the f f f-they're still kids? Are they not? I make a lot of money doing this. What the f***? I get to find out, is this just some guy with a weird f***? Or is this like a guy who actually wants me to draw a real-life of his actual little sister? I just launched Liquid Assets. My official GamerSubs flavor, Raspberry Apple, at less than 40 cents a serving.

It's also zero sugar in under one calories. Use code Caleb for 10% off your entire order. Oh, and one out of every 10 tubs has my face printed right on it. Grab liquid assets at gammersubs.g.g slash Caleb or at the link in the description and pin comment below. This is the best drop GamerSuffs has ever run. A link in the description. Hi, I'm Buck. I'm a 37-year-old virgin who lives with his mom from Paradise, California.

And this is financial audit. Is that a meme or is that real? That is 100% real. No. Every bit of it. never even been kissed why I'm a hopeless romantic

I'm waiting for the one man come on kissing's not I mean kissing can be a first date activity you don't need to get into the first well listen listen listen if you're kissing yeah I'll listen to the virgin yeah listen to the virgin come on

listen listen I got a little math to run by you you like math right okay listen I have never been sexual satisfied by another person, right? Okay, well, you can't get satisfied if you don't do anything, but yes. But I have sexually satisfied thousands of people, which you are going to learn throughout this episode.

So I'm the most benevolent lover in the world, Caleb. Okay, so what is that? What the fuck? Okay, what did I just walk into? This is actually crazy. For those of you who are either new listeners, watchers, whatever you want to, I literally talked to this dude for like 30 seconds before we started filming. know nothing about him. I go into these episodes

blind. What the fuck kind of creatures in front of me? What do you do for a living? You live with your mom at 37? Oh, was she the sweet old lady that was out there? Yeah. Oh, I wondered whether there was an old lady in my dining area. She is wonderful. She's a wonderful human being. I'm sure

you think so because she's most likely enabling you. Yeah, I'm getting extra confirmation being typed to me that this is real 100%. What the 100%. Don't you worry. What do you do for a living? I can't wait. What do you do for a living?

I drop. I had such a sadistic laugh. What the fuck? That is like serial killer laugh. What the fuck of... Wait till you hear my real laugh. Comedy is subjective, Murray.

Isn't that what they say? Oh. Okay. Okay, so 37-year-old version that lives with his mom that draws... Do you actually make money doing this? You wouldn't live with your mom if you did. feeling. I make a lot of money doing

this. Yeah, what do you make? What's your income? Roughly $200 to $400 per picture. Okay, what's our monthly income per picture? Yeah. I draw. I draw commissions. People come in, they want me to draw I'm in where? My Discord. I just have a Discord. They come in.

Of course, it's a virtual space. Well, you made it sound like they're coming into a shop. Maybe you were a little entrepreneur here. Yeah, they walk into my mom's house and they order. Yeah, exactly. I think there are other places outside of your mom's house that you could be like leasing out but yeah sure okay okay so what we don't need space for it continue what hits a month what's your monthly income um i don't know it depends on how many customers i

make on average what is your how many customs are you doing a month i don't know 40 okay i guess i have to ask okay okay sure show me let's just say show me one that someone else is consented to me seeing on my phone yeah sure well unless you brought it i guess you Sure. I'm glad you didn't. What? I think my security would burn it at the door. This is, okay, you average 36,000 hours a year. Our accountant did. Okay?

I have a whole gallery. That's not a lot of money. It might be for a 47-year-old virgin who lives at their mom, 37. 37. I got 10 more years to be that bad. Okay, blur it, I guess. Let's make sure we get this for our... It's this, I don't really understand.

It's furies, and it's... It's furry. Okay, so... Did I mention it was furry? Didn't, but it's really just an animal sucking another animal's dick, which is just really weird. It's not something that gets me going, not really a bestiality kind of guy. It's two animals sucking another animal's dick. There's two animals in there.

Is that what you're into? I guess that's what people are into that pay you. I mean, that disgusts me be unbelief. I'm just into horny shit. If there's happening, I'm probably into it. How the fuck is someone. a horny shit, a 37-year-old version that lives with their mom. Please tell me.

I hope that picture was on screen, guys, but that dick is certainly blurted. No, it really didn't really look like much. I don't know how people are getting off to that. This is an image. A lot of people like me for my personality, whether you will believe that after this episode or not. I don't know your personality or not yet, but like, I just like, you're definitely a freak. But why? I have to ask why someone's a 37-year-old virgin if your entire life revolves around, well, I see a path of

of exile. Sure, going on. And, oh, what is that? Can you show the camera? Your undergarments. Oh, my zebra pants? Should I stand up? Yeah, I guess so.

If you want to put that chair through some suffering. Oh. Okay. Impressive. So, I understand why you're at least not getting laid, but what the fuck? Have you tried?

Oh, I've tried. I've had a naked girl in my bed before. What did she look like? Blonde, probably a seven. She was cute. A seven what? Waste? Seven out of ten.

The dude scale, Caleb. Come on. How tall? About a foot shorter than me. How tall are you? Six foot five. Okay. Cool.

Mountain girls, they're a little bit taller, but not. How much does she weigh? Probably 180, 200. Oh. She had a skinny waist. A little bit of a pot belly. She was kind of cute. Okay.

We've really gone from seven out of ten to kind of cute. Okay. I mean, seven is what IGN gives every video game in the world. What the fuck could I give a shit about IGN? So, why could you not finish the deed? I just have to know for my own sake. Well, she turned into a red flag when I said, hey, do you have any STDs? And she's like, who did you talk to? Is that real?

Yes, that's real. A hundred percent real. She sends me a message. She's like, hey, my car's stuck in the snow. And I go, well, my parents aren't home right now. I'll come save you. I'll be the hero. I go down there.

save her. I bring her home. I'm like, hey, listen, let's go on some dates first. I don't really want to get laid like right now. And then she really wants to give me head. I say no. And I'm sitting there. She's talking about, oh, you have this big king size bed. Oh, we can sleep in the same bed. And I say, this is probably where it's going to happen. So I go, all right, do you have any STDs? But she was already naked. Well, she got naked after we got in the bed. I said no. I said, we're not doing it. She got in the bed. She got naked. She was trying to tempt me. I laid in the bed. How was she trying to tempt you? Grinding her ass on my dick all night. All night. How long is there? Well, generally eight hours is how long a night is? You always say no to these women? They're always saying

anything? I don't understand. So far, yeah, every opportunity has been me saying no, yeah. Going from Koso to case no. Yeah. Hey, they don't know the Koso joke. They weren't here for that. I think everyone sees you. Okay. I'm Koso. Wait, boy, come get this new band from every social media platform. I never existed. Look at this garbage.

This is 11 pages of stuff data brokers have on people. Addresses, phone numbers, relatives, income statements, all of this creepy invasive nonsense. And these companies are making billions selling your personal information without your consent. And that should make you angry. It makes me angry. And that's why this part of the video is sponsored by Ory.

ORA finds the data broker selling your information, automatically sends removal requests, and keeps monitoring so your info stays off those sites. And ORA is a U.S.-based company focused on protecting your information, not monetizing it. Your information is encrypted, and ORA doesn't sell your data. What I like is that it's not just one tool. You also get dark web monitoring, fraud alerts, and identity theft protection. ORA can even deliver fraud alerts 650 times faster than their competitors. So if a competitor takes 10 minutes to alert you,

ORA warns you in under a second before some criminal has even finished buying something in your name. Your data is being sold right now while you're watching this. I'm not leaving myself or my family vulnerable. And you shouldn't either. Try 14 days for free at aura.com slash hammer. Links on screen in the description and pin comment below. All right, back to this disaster.

Okay, so you brought up S2Ds and she... wouldn't answer. She wouldn't answer this whole like, oh, who did you talk to? After she said, who did you talk to you and say, well, do you just have some? I said, I haven't talked to anyone. I don't know what kind of question that is. And she's like, well, you need to tell me who you talk to or else nothing's going to happen. Okay, well, I guess she ruined her chance to be with this. With the man. Zebra pants. Hello. Okay, okay. Shut the fuck. So I'm going to conduct a financial audit on you. Yeah. I guess. Um, what the f f f-try trying to get you out of your house? What are we trying to do here?

I don't want to leave. What are we trying to do here then? It might be best for you to leave. You might need to. I mean, advice might be, you need to leave. I want to save my mom and my brother and get us out of California. What? Yeah. What do you mean? I'm the 37-year-old virgin savior here. I'm going to get them out.

Does your brother live at home? Yeah. Holds he? What's 37 plus six? Oh, okay. So these parents have. absolutely failed in every way whatsoever. These are failures of parents. Well, listen, I wasn't the one that was homeschool. Does your mom even know what you do for a living? What you live there? She knows that

I draw. Oh my dude, does she just not communicate with you? Does she not care? Is she just a failure? She is a failure of a mother. I do have to say that. She objectively is. Don't you dare call her a failure of a mother. She's a failure of a mother. You and your

brother live there. Listen, listen. of seven years above you. Well, six years above me. She doesn't even know what you do for a living when you live there and drop. What the fuck? And your goal isn't even to leave. Your goal is to get her out of California.

Okay. What is she being killed? Well, I got her out of her marriage first. Well, yeah, by you and your loser brother living at home forever. I'm sure that their marriage. I didn't quite marry my mom. But, um...

What? The... Shoke, shut up. Um... The... Now, I'll just step onto this rock and jump off into the sweet relief of death. I am trying my absolute best.

Summer heats up in FX's The Shards. Set in 80s, Los Angeles, the Shards follows a group of beautiful, privileged prep school students who are preyed on by the trawler, a serial killer targeting teenagers across the city. This fever dream of youth, beauty, sex, and mystery is a must see.

FX's The Shards, now streaming on Hulu on Disney Plus. Sign up now at Disneyplus.com. To get my mom up off her ass, get her out of the state and we can go somewhere. How can you be that guy? You're not even off your ass. What does she do for a living?

She works at an antique store. She's also retired and she's got half my dad's retirement. So she's off her ass. Why can't why? What does she need you for? Paying for groceries. Does she want to leave California? Well, yes, but... To where?

Well, we're thinking Idaho. Why? Because it's Idaho. No, why the California emergency? Oh, because California's just... They're driving up our insurance rates on, like, fire and shit. Our town burned down. Yeah.

And our house survived. And now our fire insurance has tripled and then tripled again and then tripled again. Which makes sense, but that's the only reason you want to? That's one big reason. And then the other reason is just when you're living in a burned down town, there's nothing around you. It's fallout out there. Okay. usually you can move to another town.

But I got, okay, oh, you guys want to move to another state, sure. Well, there's the convincing part. Like, I can't. So you pay for the groceries? Yeah, I pay for rent. I pay for my grocery. I don't pay rent, of course not. She needs you to pay for your groceries?

Well, I don't pay rent as long as I pay for myself. No, no, no, no, no, no, no, no. She said, you said, you said, she said, earlier. But now you say you only pay for your groceries. I pay for my groceries, and then she eats some of it. Oh, buddy, what the fuck? We're a family, Caleb. A really pathetic one.

I'll be honest. From the looks of it, I think the dad was right to leave this nest. Well, there's a whole story about my dad. Don't need them. Why don't you like your dick

getting sucked? I'm curious about that, you freak. Because it's a trust thing. I'm putting my most prized possession in a thing full of teeth. I need to be a hundred percent

sure this bitch ain't got to bite down. Come on, man. Why would she? I don't know, because I live... That's the logical. I live in the drug county. I'm like 10 minute drive. Why does someone want to eat a human skin, get blood in their mouth, go to jail?

I don't know. I watch a lot of criminal psychology. People eat hearts and dicks all the time. You freak. You're watching content that's poisoned in your brain and making you afraid of... Like Caleb Hamer. Basic thing. No, we've never made people afraid of that.

We make people afraid of spending money on... Making people afraid of their 37-year-old virgin living in their home forever and being bad parents. There's also a 43-year-old virgin in there. You know he's a virgin? I think he is. Oh, fuck. You had a boyfriend for a while. Okay.

Well, the gays usually have sex a lot easier. He had a boyfriend. He was probably getting railed or railing. I don't want to think about that, so thank you. So what am I doing with you? That's my question. What the fuck am I doing with you? Well, when you get to my...

You're actually financial audit on you, but what the fuck am I trying to do for you? Get me to figure out how the hell did, like, save money instead of spending it on stupid shit. But for why? Because I actually do want you to have life goals. You need life goals. And I think your life goals should be actually living an independent life. Well, I've learned I can live in independent life. How will you learn that?

I lived in Ohio for a year. You work 40 hours a month. Well, no. Come on. I make like 40 pictures. What's the, why? Well, I had a friend in Ohio. I met him at a brony convention.

And we're going to get to the brony. Don't you worry. We're going to get to everything. Just never now. We can get to it now. You want to talk about bronies? No, maybe I don't at all. So maybe we'll never get to it.

What the fuck? Why are you in Ohio? So anyway, Medica at a Brony convention seemed like a really cool guy and we start talking online. He goes, hey, I have a house $200 a month rent.

If you want to move in, we got a whole room for you. I'm like, hell yeah, sign me up. I go down there and move in. Then I find out he's creep. Far worse than me. Don't you worry. What does that mean?

We wears diapers around the house and wants to fuck his brother. How are you not getting any red flags? You live there for a year before you realize this? Live there for a year. Well, it was actually six months before I found out about the diapers. With him?

Yeah. Buddy. I didn't hear any crinkling. Okay, so does everybody. But anyway, the guy walked around the house just like a normal human being, and he went to work every day. I didn't really like hang out with him that much. I hung out with his brother more. His brother's a cool guy.

But the confusing part is I actually am being told you were in a nine-year relationship. How'd you guys not do anything for nine years? Oh, it was an online relationship. Oh, my, dude. Come on. Come on. Come on. Yeah, but they meet at some point.

Yeah, and it's like completely normal for them to never be used sometimes. What? No, that is not normal. It's not used the word normal. Well, okay. It was a brony relationship for us off. Oh, my. What is wrong with you? Look.

I hate your existence. I'd rather be speaking to a racist n-fitting. We can get there. I'm kidding. I'm kidding. For the camera, I'm kidding. I wouldn't surprise me. My dad.

My dad. was the racist. But not me. Didn't rub off on me, don't worry. My fans rub off on me sometimes. I'm kidding about that too. Oh my gosh, dude, shut the fuck up. You don't have to constantly try to make jokes.

You're not necessarily good at them. You have been locked up in this room for way too long. You fucking freak. And I'm wearing a hoodie. I'm making it worse on myself. Why were you with someone for nine years? Only online. Again, that just stacks with you living at your mom house to 37.

When did you break up with this individual? I assume woman. A trans woman, yeah. Okay. Yeah. How do you even know? Well, she told me after three years of being together. Did you think it was a woman, woman, woman classic?

Oh, I hadn't even heard her voice for the first three years. Why? Oh, my. Dude, I don't have a response. This is blowing my mind. People like you should not exist. People like me don't exist. I'm one of a kind, baby.

Come on. Unfortunately not, we just don't see you guys until you mash shoot something. Listen, I don't even have ammo for my gun, so we're all good. You have a gun? I have a shotgun. Oh, fuck.

For the record, the gun was to defend the house from my dad. So was the metal door on the front of the house. My dad was a bad guy. Shut up. Okay. We won't get into my house. I guess. He's only a huge character in my backstory.

But I'm still on the fact that you're dating someone for four years and didn't know that person was trans. Well, I learned they were trans because she talked to me in voice and I noticed her voice sounded really masculine. I asked why. And then she says, well, I'm transgender. And I say, well, I told you I was a dude up front when we first met. And then you told me you were a woman up front. I kind of wish you were a little more honest about that. And then she calls me transphobic.

And then I felt bad. And then I was like, you know what? I don't want to be transphobic. I'll stay with you. But to her, she is a woman, I guess. Yeah. How it works. I think.

Yeah, to her. Go for it. But I mean, I ain't going to rub in anybody's face about what they're doing in their private time. Well, I mean, it did kind of impact you. It did very heavily. Outside of this person's private time. Did you feel things four years of just texting?

Yeah. Yeah. Did you give her any money? Well, yes. I gave her a lot of money. I paid for her HRT for three years. I knew it or. Yeah.

You knew it, of course. Because why was she, you know she was getting frailed in her asshole. Yeah, because she told me she was. And you're okay with that? I was a big old open, polyamorous dude.

Yeah, you, Polly? You're not Polly if you're not with anyone. Yo, I was trying to be. No, you guys being Polly is your person that you were with was constantly someone that wasn't

you. You didn't even hear this person's voice for four years and other people hold three years while other people heard that person moan constantly. You didn't even get that. She was married even. Didn't tell me she was married for eight years. Was she cheating? Oh, she was cheating a lot. Yeah. On her husband that was transphobic that didn't like that she was transitioning. Like two years ago when I was in Ohio. You paid for her to move to Pennsylvania or to Washington from Pennsylvania. She promised me we were going to meet up finally because I was in Ohio. Whoa, you were fucking... Say it, man.

Say the R word. Say it. No, no, no, no. It's not the thing. You were being... You were like being catfish, but not just catfish. You were being scanned. Absolutely.

For not... But for nine years. You didn't realize this? Oh, I had my inklings, especially with... Inklings. For nine years, you got some inklings. I got some inklings. I had a whole lot of inklings.

And they were all people on the internet telling me I'm being scammed and catfish. I wasn't listening to him. Oh, and then she convinced you that you were trans. Yes. What? I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards,

maybe some medical bills, personal loans and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out.

Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balances. say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS debt has customized options designed specifically for you. Not your neighbor, not some average case study. You. They've helped hundreds of thousands of people

get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five-star reviews on Google, and holds a five-star rating on Trust Pilot. That legitimately matters. Here's the thing.

If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS debt. Get your free assessment and find the best option for you right now at pdsdette.com slash hammer. That is PDSdebt.com slash hammer. PDS debt.com slash hammer. What does that even mean?

Well, we played a lot of video games together. Every time we played, I was playing a girl character. she's like, you know why you like girl characters? It's because you're a girl. I went along with it. You went along with it? I went along with it. How do you not have independent thought?

Well, because it's like when you... Have you ever been in love? Yes. Oh, well, that kind of destroys my argument. And I f*** them. Well, sometimes that's not a good thing. Not having sex with your partner?

Okay, you didn't make a good point. But listen. What was the point you were trying to make? is it not always a good thing? Because f-f also means like, fuck over. I'm being an idiot. Just, just, you know, whatever. Dude, focus in.

Sorry. This is how I combat my nerves. I just keep making jokes like a fucking idiot. Anyway, so, yeah, paid for HRT, multiple years. Paid for her move to Pennsylvania because she promised we were going to meet up because I'm in Ohio. She's in Pennsylvania. She's like, it's a 10-hour drive between us, Ludd.

Why don't we finally meet up? Sure, that'll do it. And then, I don't know, it was a couple thousand dollars a door dash later. Where did you drive to the, person. I was offering to. I kept saying, hey, I know your address because of the door dashing. Why don't I just drive to your place and we can hang out?

And she goes, oh, well, my husband's here. That's where it comes in that there's a husband involved. And I go, oh, so then I'm talking with a friend. And then the friend finally convinces me just go, break up with her, dude. And I finally go do it. Oh, after nine years. That's pathetic. Nine years.

You're pathetic. I was. No, you are pathetic. That? Thinking you were trans, because a trans person. told you you're a trans. 37-year-old virgin live in a home. Dude, you're pathetic.

You can't even... You won't even accept the blowjob because you think they're going to eat it. Like, what the fuck? You are pathetic. No, there's no other way to look at it. That is the reality. How does a person, like, just logically,

just logically speaking about the blowjob thing? Everyone does it. How do you put it in teeth? Everyone does it. How do you not get scared? Everyone does this is not a normal fear. How is that not a normal fear? Dude, a f f f f f f fend job that gets squeeze

it to death and make it pop. Like, there's, like, anything could happen anywhere. Listen, there's teeth in there, okay? Have you ever seen the movie teeth? Is it because you're always watching this animal? They got those big... I mean, that could play into it, honestly. Maybe I need therapy.

I think that's a good start for you. Remember that for the budget. Get me some therapy. man. I don't... Move the ball along. So this is like actual, you're an actual real gunner.

In a disgusting way, in a pathetic, bad, disgusting, horrible. I'm actually pretty heavily against gooning, to be completely honest. You don't masturbate. Massey, but there's a different... Probably once every two days average. Okay.

Oh, you don't even watch real. You only watch animated. Yeah. Buddy, what the fuck is wrong with you? I don't want to see real people doing it. What that's what? see real people doing it. Because you need to actually get with a real person someday.

Families, come on. Buddy, you need to warm yourself up to being with a real human someday. Or else you're going to be with like a animal. Well, I don't want to be with a real human. It puts herself out on a hub. I want to be with a real person who's like a normal human being. No one's saying get with a star. I don't think the star is going to get with you.

I was looking at a star who's on hub going to warm me up to a real one. Because you need exposure therapy to sucking. Well, it, Yeah, I guess a little bit. But if I'm watching on pub, that's not like a realistic kind of feel for a relationship. So you were convinced you're trans. Did you actually do anything with that? Didn't get any kind of H.R.T.

I just made my hair blue and wore pink socks for a while. Oh, my fuck. Do you have a picture? I, oh my God, I hope I don't. I burned that part of my life. I'm going to find out if I do. Yeah, because it's weird. How can you be convinced you trans?

How's that even possible? I know some kids go through it. school, but it's like, it's like, dude, it's... Well, I think there's like an entire, like... You were like 35. I, yeah, 35. I think there's like something to be said about, like, people who convince people that they're trans because they talk.

Well, for kids, I understand. Adults can be impressionable. You can have like a 60 year old guy. Because you have no life experience because you've only lived at home and you have no real. When's the last time he had a real job? Uh, dude working at Victoria's Secret when I was a... like 16. Saw my first boobs

when I was 16 at Victoria's Secret. Baby. They whipped out their tits? Yeah, we had models on site. It was a Hollywood location. We would have models in there to do photo shoots and they'd get naked in front of everyone. Yeah.

Is that why you're so broken? Probably. The sex thing, the fear of sex, I can actually like pinpoint when that happened. Okay, tell me. 11 years old sex ed, they showed us a whole bunch of like really nasty STD shit,

and then they brought in like the victims to talk about how they were and shit. And it was horrifyingly traumatizing for me. Whoa, geez. Going into hardcore it was crazy at 11. I remember the SED conversation at 11 and seeing pictures. That didn't with me. It was just like, I'm going to get with people

that are tested. Yeah. And the the reason why like that was even allowed was my parents literally signed a permission slip. Yeah. That literally said we're going to have victims in here talking about. Well, hey, don't anyone and you'll be fine. I'm completely fine on that front. Because I am, I I ain't even consensually fucking people.

Exactly. You're not consensually fucking people. You're not getting, no offense, not really worthy. Number two. That's a good compliment. You can't move quick enough for someone. And it's not big enough.

Don't you even worry. Oh, my. Oh, shit. Chad, I'm so sorry. How big is it? Hard or soft? Hard. Four and a half inches.

You laugh. I'm proud of my small . Don't you worry. He's my buddy. I love that man. Can I have a tape measure, please? I need to, I need to visualize this. This is deeply concerning.

I've never... It still blows my mind that five is the average in the United States. Is that crazy? Half an inch below. But... Oh, shit. Yep. That's rough.

That's a very familiar length you got right there. Oh, that's supposed to be the growth stage. That's the gross stage. That's the boy. Hey, he does damage. I've broken sex toys. It's like no movement. That's such a limited movement.

Wow. This is crazy. Crazy. Did you say you broke sex toys? I've broken sex toys. I've broken sex toys. Of course. I guess that's all you're getting it with.

So I was like a crowd funder for some auto dick sucking machine. And yes, it was therapeutic. I was trying to warm myself up to it. No, it's just going to encourage you to never get out there. So how have you found women? Just online, brony community, furry community. Can you not just use a dating app, just a normal dating app and just get someone? I've tried to use a dating app.

And look at me, Caleb. Yes, but. Ready to take your investing knowledge to pro-level, this is Fidelity Connects, your daily edge in the markets. Get deep insights on real-time market topics that may impact your investment portfolio. Listen to Fidelity Connects on Spotify today and power your next move tomorrow. There's going to be other, there's going to be women that look like you. Would you f*** a woman who looks like me? No, of course not, but a woman that looks like you might f*** a woman that looks like you.

Well, if I ever get extremely desperate, I don't want to be 40-year-old virgin. No, I mean, for what it's worth, I don't know what's happening. Fat women these days, just look at their comments. All the women are calling them beautiful and cheering them on and something. And that is absolutely something I don't want. They've been given an ego thing that is absolutely crazy. And then they go for like the hottest men and they, I don't know what the fuck is happening. And somehow the hottest men want it.

The good thing for, I mean, you're a loser. But the reality is at least the fat men and aren't getting laid, they know they're losers. For some reason with the gender reverse card They don't realize what they are I'd say I'm not at least recognize that I don't know what that part of our culture is But it's very weird That far from from you know like I'd say I'm a loser

But sure but I'm not that far off I could get there How many girlfriends do you have? How many do I have? Yeah One Yeah one more than me all right So I'm getting there

Okay Interesting I had that one in my back pocket I'm sorry The trans thing though How long are you trans for. I'm still... Okay. Does it change your perspective on trans people?

No, what changed my perspective on trans people was talking to a lot of trans people, mostly in the Brony community. What happened? That's a whole damn avalanche. All right. That's what I'm asking. Okay, then I'll answer it. Stop saying every other story.

Shut up. If I'm asking about it, then tell me. Get to it, mother, all right. All right. So, Brony community, that's where it all started. It all took off one day long ago, 2011. I made a comic. Everyone loved it.

I got big in the Brony community. So I'm going to conventions. I'm seeing a bunch of people. I get hanging out with a whole bunch of people. Yeah, I go to cons. I sell my art. People love my shit at cons. I made thousands of those things.

Anyway, why not? Oh, you have no idea. I have no idea. So. Oh, it's because I got a YouTube video here. Oh, yeah, yeah. That's my... It has 9 million views 12 years ago.

Wow, really living off it 12 years ago. You haven't done anything since then. That sucks. Well, I mean, that was update 300. to my comic. It's like art, I think. That was an ongoing comic for multiple years. That was like at the, I don't know, seven-year moment of my comic,

and I only ended it a couple years ago. So, oh my gosh. Okay, so many people are in the comments. Like, why are we all taking a deep dive in your childhood? Your childhood is now ruined watching this episode. Ladies and gentlemen. Well, it's grim, dark, violent pony shit. Of course, it's ruining childhoods.

And I'm proud of it. Okay, okay, okay. But what about the trans people? Okay. So met a whole bunch of people, got a big giant friend group, got all these people surrounding me. And I started to like actually hang out with a whole bunch of people in the trans community. But mind you, it was the brony community trans people.

And they were just like, they're so goddamn picky about absolutely everything to the point where they got these rules, these like absolutely fascistic rules about how everything needs to happen, how conversation literally needs to happen. I've had people when I said, I was trans. I was a gender non-binary for the record. I was, have any pronouns I want. Yay, pronouns. So this girl walks up to me who was a friend of mine for like four years at a point, and she goes, what are your pronouns? I go, any. And she goes, no, you have to pick one. And I go, any. And her boyfriend, like, nudges me. And he's like, just say a pronoun. Just do what she says.

And I'm like, her? And they go, okay. I'll ask him. I'll call you her from now on. She walks away. I'm just like, what was that? He's like, oh, she gets extremely mad if people don't pick pronouns. I'm like, huh? So now you don't like trans people? I think the trans community can get pretty bad, but no, my best friend's trans. We're definitely killing a lot of people these days.

Nah, it's a joke, kind of sometimes. 43% of the time. It's a joke. Dude, I don't even know. Hey, they make that joke. Stop, stop, stop. I'm just trying to figure out. What the fuck's even do with you, man? What am I doing to make this a productive conversation? I'm definitely learning a lot about an alternate life path that I'm glad I did not go down, I guess.

I don't even know if it was an option for me, but this is absolutely. Oh, it's always an option. Oh, you were telling Lindsay that they're all and fascists. A lot of them, yeah. Petos? Pettos? Absolutely. What do you mean petos?

What's happening in petos? Well, when you got a whole bunch of grown men who are watching a show for little kids, of course you're going to have the people who are using it. to get in contact. I don't know what that means. Watching a show for little kids? My little pony. Or is that you?

Well, I was watching the show just because I like the show. How's that different? I'm not saying literally all of them are... I'm just saying there's a shitload of... A lot of people are using it as like a gateway drug into talking to kids. What are you qualify in that same? How do you know... That's why I got out.

How do you know their petos, though? Because they tell me their petos. They say I'm a... Yes. Directly to me. That my... You know, the dad. Hyper wearing dude.

Yeah. Literally told me he would fuck a kid if he could. That's why I moved out. I also called the police on him, yeah. The person was trans? He wasn't trans, no. Well, I mean, what was there to call the, unfortunately? What was there to call the police on?

You didn't do anything. He just said something absolutely horrible and disgusting. And I said, this guy told me you wanted to fuck a kid if he could and you should probably check him out. They didn't do anything. Well, yeah, because again, they have to, unfortunately have to actually do something. We can't. They got a warrant.

They got a warrant. They got a warrant later on. scrubbed his hard drives and now he's in prison. Okay, yeah. Unfortunately, I am being told you literally draw underage content. Did draw underage content. FBI, open up! And when did you stop?

Because I'm saying, will draw underage content. Well, uh-huh, listen. Uh-huh. Yeah, everyone else is a pattern. Not you. No, no, no, no, no, listen. Okay, so in the Brony community, one of the first big red flags that tipped me off

that the brown community was full of pedos was how unbelievably popular F. F.C.C.on is which is Fri-Kahn for ponies. So... I know the word Frikan define it, though. I've heard it in...

Childlike content is what it's short for. Okay. It's a Japanese word for like childlike. Okay. Go on. Yeah, people are perverts. Anyway, so do not give me that look.

But you were drawing. Where are? Continue. So, in the brony community, the Frikan tag is one of the top 10 tags. I told you will if you're hard for money in that moment. You will. Well, so will anyone. No, I wouldn't.

If you could draw you probably. Underage. I don't think so. Of fictional characters, mind you. Non-human fictional characters. They're horses. What the f***? They're still kids.

Are they not? They're horse kids. Yeah, but with the indication that they are children. I'm not giving human rights to horse kids. Um, um, I'm, um, um, um, um, um, um, uh, uh, do you have a, a non, nude version? No. Uh, can you cover up a nude? No.

It's all gone. Well, that's probably good for your hard drive. I'm just very curious. I don't want to say the naked part, but I'm very curious, like what the, uh, you're saying it's just a horse, but I have a hard feeling you're not just drawing like, like, like spirit. Yeah, I am. What? And it's just like, hyper-realistic.

Yep, yeah, just, well, not hyper-realistic. It's stylized. It's my shit. But no, it's like the ponies. It's the ponies from the show. But it's humanized. Well, no, no, no, no. I would draw the little ones.

The little, like, the marshmallow-y ones from Friendships is Magic, voiced by Tara Strong. Hi, Tara, by the way. Okay, so underage horses. Yeah. And what would have... Folcon. What's that?

A foal is a young horse. And what would happen? So that tag is incredibly popular in the Brony community. They really, really, really like Fulcon. Walk them all up. Okay. Yeah, exactly. And the guy who drew them.

Listen, when there's perverts and they know where to go to get their perverted shit, here's a thing. Here's a thing. I talk to my customers. I'm an artist that actually talks to each and every individual customer. So they come to me and they're telling me what they want. I get to find out, is this just some guy with a weird f***? Or is this like a guy who actually wants me to draw a real life? of his actual little sister,

which is a true story, by the way. Did you? No. Got the police involved. That guy's in prison. Okay, but you have drawn literal penises of underage. Not of real people, but of ponies, yeah. Yes.

It's a horse dick, yeah. So the kids in the show. Uh-huh. Scooteloo, sweetie bell. The kids in the show, you have drawn them naked. Yeah. How is that not beyond up? Because I'm not the one gooning to it.

The people who are paying me for it are the ones goon into it. So if you're the one that takes child photos, you're not the villain, just the people that get off? That's your logic. Of course you're the villain, but a real child's involved there. But that's your logic, though. It's a real child versus a fictional horse. Fine. If you generate.

Generate. Generate. AI. AI and then do the art to it. Arrest anyone who's making like realistic AI shit. But that's falling in your same logic. As long as a real person's not involved it, you still picked a child. The law states that if it can be made.

mistaken as a real child or looks like a real child, it's illegal. But if it is obviously not a real child, it's just going off of a fucking moral, dude. It's legal. Oh, I think it's morally wrong. That's why I got out of it. Be honest. When's the last time? Seven years ago?

Bullshit. No, I got out of the Brony fandom and I stopped full stop. Erased every bit of it that I had online. I said I don't do that anymore. But on that shit you have that you just showed me, you will draw young looking characters. I draw petite characters, yes. Exactly. So you still do.

Small. Not my little pony specifically. technically speaking it still does fall under the category of because that just means childlike and petite counts. Yes, you're drawing naked children. It's not real children. Furries, though.

You'd furries sometimes anime characters and shit like that. Anime characters? Yeah. Naked? Not naked usually. Well, sometimes, yeah. And the children? No, they're petite.

Oh, gosh. In the source material, they're not children. They're full-grown seven million-year-old dragons. Also, I don't draw the ones that live. literally look like kids just for the record. Maybe we actually can have a second Holocaust. It's just all of pettos. Okay, get rid of the pettos.

If I go to, as long as the other ones go, I'm all for it. Yes, I'm down. I think we're all okay with that. Okay. Bye-bye. Where's Thanos? You snap yet? I mean, you've been canceled for being called a petto-groomer.

Like, what the fuck is that? Being a groomer pet-what? No, no, no, no, no, no. Alleged people called me a peto because of that shit that I drew. Yes, and I think that's a... actually kind of fair. You don't pull groomer into that. They ain't, they ain't, they never been grooming. I never talked to a kid in my life. Why am I being told a grumer? What's the, what's the, what's the groomer thing? That's a, that's a story, the groomer thing. Oh, so

there is a grumer thing. You're making it sound like that didn't exist. Well, it doesn't exist. It was a misinterpretation. Or what was the allegation before you tell me the reality? Give me the allegation. Okay, the allegation was, wow, there's so many pedos in the brony community. Ever since I was 12, I've been groomed by people, blah, blah, blah, blah, and she was saying that and the, the pedos, she was the, she was talking about was me. But I didn't talk to her when she was 12. I talked to her when she was 20.

She was turning 21 like a month later. Listen, we know you're here to see an 11 year old girl. She said she was 12. That was when I met her. She was 20. What was the allegation that you groomed her? The allegation was that I groomed her, yeah. She was, she called me a pet.

What was she saying that happened? Well, yes, I would say you're a peto based on the art that you do, yes. But besides that. No, you still do not, just not my little. pony. Well, it's anime character. Girls can be small, man. No, but if you make them look at a lesson and petite, come on, you know what they're getting off on. I don't. I don't make them out of lesson and petite. Okay. Cover the naked part and show me an example. Before we get back into this chaos, quick word from today's sponsor. Look, we're halfway through the year. If Build Better Credit

was one of your goals in January and you still haven't done anything about it, yeah, you're not a lot of people wait until they got denied for a car appointment or a loan and then suddenly it's an emergency that's why today's video is sponsored by kickoff kickoff is a simple credit building platform for people starting from zero or trying to rebuild no credit check no hidden fees no interest you sign up in minutes on your phone make small on-time payments and kickoff helps you improve the key factors that determine your credit like payment history credit mix and utilization and this one is the Big one. Users with credit under 600 grow in average of 86 points just by paying on time. They've also got rent reporting so the rent you're already paying can help you build credit too.

Start building credit with Kickoff today and get your first month for as little as $1. That's 80% off the normal price when you go to getkickoff.com slash Caleb today. That is Kickoff without the sea. Getk.OF.f.com slash Caleb. Must sign up at Getkickoff.com slash Caleb to activate offer. offer applies to new kickoff customers first month only subject to approval offer subject to change average first year credit score impact a plus 86 points between august 2,0,00024 and August 2025 for kickoff credit account users who started with a score below 600, who paid on time who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. All right, back to this financial disaster. My GamerSups flavor is finally here. It's called Liquid Assets and it tastes like raspberry apple and success. Use discount code Caleb to get 10% off your entire order. Plus free gifts you actually. want. Drink wear, stickers, full on apparel, even some seriously limited edition swag. And one out of every 10 tubs has my face printed right on it. And the whole offer stacks up six times. The more you

buy, the more you unlock, and the better your chance to see my sexy face on your tub. Get a hundred servings of delicious zero sugar, less than one calorie liquid assets for less than 40 cents a serving, plus all the freebies until they're gone. Gamer's Huff's is fully stocked in shipping worldwide, right now. All you need to do is head to GamerSubs.g.g. slash Caleb or click the link in the description below. This stuff is a game changer. Yes, just, just, just screenshot it, and I want the most, not, the one that you should select should be, don't cherry pick, because I know you're able to cherry pick. Oh, I'm just going for the, I literally have a character that's a petite girl, that's one of mine. You're saying girl.

Yeah. Girl means woman. It means female. Come on. Screen shot at then, do the draw tool and cover up the nakeds. Okay, we have been provided some covered photos from beforehand. We will censor and put on screen now.

Yeah. Yeah, I'm sorry, the one on the right is a kid. I mean, that's a kid. That's a kid. The one on the right is a kid, right? I don't know which one you look. It's a kid. That isn't even my art.

What? That's not mine. That's the girl who called me a petto. She drew that. Okay, then she's a petto too. Is this one you? I guarantee she is. No, that one's not mine.

Oh, shit. No, no, no, no. The screenshots are from the accusations. I need to see your art. Come on. Okay. It's loading. Are you on the Wi-Fi?

I am on the Wi-Fi. I am on the Wi-Fi. In the green ear. That's when you know the poor. Should I failed to load image. Yeah, it was trying to load it on the... Filled the load image. All right.

I'll reconnect to the Wi-Fi. So Welke-Pulse that. up. This is the accusation. So this is the proof that I have that was given to me. And we are putting this here. I feel like I'm like a drama creator right now. I'll do it. Okay. So, controversy with the screenshots. Number one, evidence that the girl was flirty. Oh, this is from him. So this is the defense. Not her accusations. Okay. That the girl was flirty with me drawing our characters together. So they drew your characters together. Yes. Birthday gift for Say you?

You'll have to blick that. And the twin she made with you as well on stream. Okay. Number two. Her vague posting about petos a few days after she blocked me and ended the friendship. This is the post I mentioned

where she went on Twitter and called me a petto. I'm who she's referring to. Mind you, she was 20th the time and I was 34. I've been in an MLP... What's that? My Little Pony. fandom since I was 14, nearly seven years later, and they're still the same amount of petos.

Kind of sad, TBH. Number three, evidence her birthday is January 16th and her current age on her Twitter bio, which confirmed she was, in fact, 20th the time. There are still pedophiles from the fandom. She doesn't mean you, by the way. But you meant me. Which you are.

She said it was about to turn 21 in a few days. As she didn't know until now, well, when did you know? So you may have thought she was underrated? No, I definitely did not think she was underage. Why did you type may have known until... May have known, what? That you didn't know until now.

You said, I didn't know until now. Searching her Twitter for the last hour that her birthday was in January. Oh, because I thought her birthday was like three days after when she called me a petto and blocked me. Oh, she's hideous. Number four.

Before and after selfies of her good... What's the difference? I personally think that the before looked pretty good. The after definitely doesn't look good. Okay, so the seven in your bed was, uh... The seven in my bed looked like the one on the left, yes. Hey, everyone's seven is a different seven. That's what I tried to say at the beginning.

You said there's a man scale. There is a man scale. It's just different for every man. You see how right up my alley she wasn't... Yeah, right up my house. That's letting herself go! And went full nose ring therapy? Nose ring.

All she did was fucking add a nose. Okay. She said, dodged a full clip apparently. It goes. Dude, yeah. Hey, guess what? If you're in the freak community, you're going to get canceled for being in the freak community because all the freaks are the people who do cancel culture bullshit. Yes, if you surround yourself with those freaks, you're going to face the consequences from those freaks.

That's why I only allow normal people in this community. Yeah? Because I don't want freaks like this because they do just. Ready to take your investing knowledge to pro level? This is Fidelity Connects, your daily edge in the markets. Get deep insights on real-time market topics that may impact your investment portfolio. Listen to Fidelity Connects on Spotify today and power your next move tomorrow. They cancel each other for nothing.

They weaponize terms like grooming. They weaponize terms like peto. They do all this shit, dude. Which I f***ing hate and I got the fuck out of it because I was sick of it. Yeah, you did a little petto adjacent stuff though. Come on. I drew some adjacent. I drew generous.

I was being paid for. And now I just draw some petite characters. It's fine. It's paid justifies, guys. It's just following orders. Hey, some people sell drugs. I just drew some weird shit. really funny foreshattering tweet I found well looking through her tweets the irony it is not it is not loading

anything find it from somewhere else then dude buddy come on what is wrong with you i gotta have something on my phone yes i'm a pedu after okay potentially deep meaningful relationships wait it's me who's ruining them always has been she posted that okay buddy you are too deep you screenshot a fucking tweet from her from 2000 you are terminally online you have no life this is so sad This is so sad. Listen. Number six, the DMs I sent her on December 4th, not knowing at the time she had already written me off as a pedo on the second.

Hey, believe out her name. I haven't fully recovered from my depressive state I've been in. Maybe go outside. Come on. All right. Everyone come behind me. Everyone come. Except for Lindsay because Lindsay has to be nice to him.

Okay. I'm not going to force you to give your opinion. Is this childlike? Age question. Question mark. She's a stuffed animal. She's like thousands of years old. It's very inanimate.

I don't, I don't. Childlike. Oh, e. Yeah. Lock this guy up. Okay. That's a fucking kid, dude. Fuck you all, man.

Someone had to be on my side. That is not a child. Look at the hips on that. You said, I wanted to send you an apology. I came on really strong with having a crush on you. And I don't think I respected what you were going through. with your breakup and stuff, especially because I didn't even know the whole story.

I'm comfortable just being friends. I didn't want to be pushy or anything. And if I made you uncomfortable at any point, I'm really sorry. You're a good friend. I was on a more feeling when I wrote that. I'm completely fine, keeping it at that, especially because there's a pretty big age gap

between us anyway. 14 years is pretty like, yeah. Hope you've been doing well. Uh-huh. So she just, uh... Should we get into the full story so you know what the hell is going? No.

You make 3,000 hours a month. If it's 32,000 hours a year, it's about 3,000 books a month. You need to set a little bit aside for taxes, but you're not going to be taxed much of that, but you do have, like, self-employment. I think in California I don't get taxed unless it's over 36-bra. Yeah, but there's the federal government as well. What does that mean? You have to pay federal taxes. What do you mean?

Have you filed? I file it as a dependent with my mom. Oh my gosh. You were so pathetic. Okay, so you probably don't pay anything, right? State of California says I don't need to. Not the state of California. The federal government.

Of course California is going to enable freaks like you. Sure. I get that. That's predictable. Well, I've tried to get the enabling for my disability, but they won't. What disability do you have? Rumatoid arthritis. Oh, my, fuck my, uh, yourself in, uh, anime land.

If it, if it means that the, if it means that the pain goes away, I'll go all over it. Don't you worry. You can draw for a living. Yeah. Shut the fuck up. I can sit down and draw someone getting knotted by a werewolf and make $400 and then just go eat. Buddy, you make $32,000 here.

And you game for eight hours a day. More than eight. Exactly. So shut up. You can do customer service. Customer service. Yes, that's a job that exists in the real world that people do. We have people like them here for dollars.

How the hell would customer service work from home? Many do. Do they? Yeah. hourly work from home. Yes, absolutely. Huh. That's the thing I can do. You can do a lot. No, I mean like, like,

I really genuinely did not know that was a thing I could do. You pathetic creature. I'll get you a course career certification and a certification of your choice. You can do tech. You can do trades. You're not going to trade. And that will maybe go into IT or something. So I'll get you that. A lot of people in the audience have converted them into six-figure jobs. But what the f f f-do you think your financial score is zero to ten? Four? I don't even know how. I mean, you're pathetic. You have nothing going for you in life.

but sure. If you want to figure out what your Hammer financial score is, get it for free at Calebhammer.com. Take the assessment. Figure out where you stand in the world of money, where you're doing poorly, where you're doing great.

And if you don't want to be like a guest that ends up on the show, I mean, it's going to take a lot more than this for this kind of guest. But the usual guests, make sure to download the dollar-wise app. Take the free trial, see if you like it. And if you do, sign it for the annual version

because it saves you nearly 50% and you get the physical version of my 30-day meal plan signed by an email directly to you and the digital version of our cookbook. So there you go. Do you cook? I would love to

Oh my fuck I just got a cast iron skillet I'm gonna try You don't try my best You don't mean a cast iron skillet to cook freak Yeah but it's cool All the cool kids have the world of workforce Cast iron skillet

Okay It requires a lot more maintenance Well I mean I can try to do maintenance Oh shit dude Is maintenance something I can do from home How do you eat? Um

Mostly DoorDash Oh my F Fiv up burn downtown What am I gonna get Like If there's restaurants To DoorDash

from those groceries you can go get. Good point. I can door dash the groceries. Good, good point. Even at a minimum that will least start building some life skills at 37. I think, yeah, that would be fine. Okay. Let's see.

What do we have? PayPal credit. What's going on here? Okay, so PayPal credit's my everything. That's all I got. Every bit of money I ever make, every bit of money I ever owe. It's all PayPal credit.

Why? That's just how people pay me. Oh, you get paid through. Yeah, but this is like the credit card. Well, yeah, but it goes into the credit. PayPal through pay. You get paid through PayPal. Yes. But this is your PayPal credit account.

It's connected. Well, it's over the limit by hundreds of dollars. Thousands. Is it higher now? The limit was changed to like 2000, I think. They cut it? Yeah. And they should because you're being enabled by every system, the state of California,

your mom, your brother. Oh my, even the people you... Listen. I still... Here's the thing. The finances are very important to go through. But the actual end outcome is what's important because you're not going to commit to anything if there's not an actual goal or anything. Why can't we get you living out?

Come on. Why can't we get you to move out and try to be independent? Well, because I want my mom to go with me. She can move nearby. You don't provide to the house. That is kind of the goal. I do want to live on my home, but I want her to come with me. You don't provide to the house.

What's preventing her from going wherever anyway? I mean, sometimes I try it by my bad. I'll get gas for the car. I'll pay for a refrigerator. Do you guys share a car? Yeah, we share a car. I don't own a car. You're just never going to be independent.

You're never going to be independent. You're never going to be independent. You're bragging about sometimes paying for the gas. Dear, man, come on. But you lived to something with a diaper and you couldn't even tell. You don't know what the fuck is going on. Shut the fuck up. He didn't crinkle.

He got the diapers that were the cloth ones. He was a f***o. He was wearing the adult diapers. He wanted to fuck his bra. We never even touched on that. I don't need to. He wanted to fuck his brother. He's weird.

Okay. There's nothing else to talk about there. Okay. Right? Yeah, yeah. Story done, honestly. No. Fri-

My mustard in the trash one. I don't care about your mustard. I care about my mustard. I care that you draw kids naked. I don't draw kids naked. Yes, you do. No, I don't. What, if you call it a different word, it doesn't change the reality of what is being provided.

We all saw that person, that person's a kid. It's a stuffed cat. It's a kid that has a little bit of more animal characteristics because it's a little bit of more animal characteristics, because it's a furry. And a little bit more like hourglass-shaped hips. Yes, it's anime. But the people that practice furry things are still humans underneath the furry.

Sometimes. Some of them are way more into the animal shit. They're into like the barbed dicks and shit. Some of them go like, you've seen the dog girl before. Some people throw their humanity out for the furry shit. But if you fuck that person, you're not fucking an animal. You're fucking a person. Some people like to think they are fucking a.

I know. And that's freaky. But you drawing that, it's a human. Well, if- With furry characteristics. If someone can f*** a person and pretend they're an animal while they're doing it, then who's to say they can't f*** a person and think they're fucking a kid while they're doing that. Let's be very clear.

To follow your logic, if someone f***ing a kid that is dressed in furry shit, it's no longer pedophilia because it's actually just a furry. It's absolutely fetishalia. Kill that person. Buddy, that's your logic that you're using for your own artwork. My artwork's fictional. There ain't a real kid being hurt. Okay, so that's what matters in the end,

whether or not someone's being hurt. not what's being consumed and drawn. Absolutely, yeah. Okay, so you can draw underage. That's okay, as long as no one's being hurt. I don't care what the fuck people draw, as long as nobody's hurting it. There you.

Thank you. We're fine. That's the, I don't draw it anymore. Anymore, that's your character. Yeah. I don't draw that character. I have characters that are off limits

because they're too childlike. Dude, I don't, no, man. I don't, fuck, no. In fact, everybody knows a couple of my characters that I'm like, this character looks a little too much like a kid. I'm never going to drop them. I got a list of them.

Sure. So I'm also being told you endlessly when you need money to like to pay for this minimum payment, for example. You go in your little Discord, which is your entire ecosystem and your entire life, which I mean, when and if I have kids,

I'm just not even going to let them touch a fucking device. We agree on that one. 18 because of people like you. Like, if they become this, I'm literally going to kill myself. That's not even a joke. I will absolutely scare any child away. if I possibly can. Don't you worry.

Yeah, because you'll draw them. I don't think kids should be on the internet. Yeah, because then they'll see themselves drawn by you. If that's what it takes. I'm kidding. I'm kidding. I don't know, man. I'm going to draw kids. Also, by the way, you paying $200 a month

is not being independent in Ohio. $200 a month in rent. What the fuck are we doing here? That's not a real rent payment. It's not even a utility payment. Shut the fuck. What did he raise it to, $2.50? He raised it to $2.75.

Shut up! After a raccoon. broke in and I told him call the fucking in sh** people. But apparently you go into Discord and you endlessly e-beg for money. I don't e-bag. I open for commissions. That's not e-bagging. I say,

Hey, everybody, I need pizza. There's commission slots open. People send me DMs. They get commissions. They get the characters drawn fucking each other. I get to eat little seizures. Yeah, but what you do is you go on then you're endlessly saying like, oh, you know, my money situation's really bad.

This is why I need the money. This is why I need the money. You're e-begging for the commission. You're not like, here's my talent. I'm being transparent. You're not like, here's my talent. talent if anyone I'm telling people

people are sympathy donating to you I got fillings that need to be filled they're like $275 so you're like buggy 2998 on there that's all you're doing

hey at least I have cancer I don't have cancer I'm joking that's a stupid job I have the arthritis though you can see my weird finger right there

literally game all day I got nothing for that one exactly so shut the fuck And buddy, I know the fucking gaming shit. That gets your fingers twisted. So I know you're doing shit. Uh-huh.

Like, shut the fuck. Like, actually, shut up. This is so pathetic the way you are acting. Got a weird pinky right there. Doesn't unbend. I don't care. There's a lot of things you can do in life. Just like you literally are on your computer all day.

It's the arthritis flaps. Instead of being hired for your talent, you're in their e-packing. And that's why some people are pathetically supporting me. They are hiring me for the talent. People want their character drawn by me, by some other artists who charges less than me for the record. Then why would you have to tell them you need it for your films? Because I want to be transparent.

I want to tell them where their money's going. So? When a charity opens, it says where the money's going. When people watch this, they don't need to know where they're watching. Yeah, but that's charity. That's a donation. Yeah.

And they know where the money's going. No, when people watch this, they don't need to know where I spend my money. I'd like people to know where they're spending their money. It's like, hey, your money isn't just going to go disappear into me getting and blow. It's going to go for me getting new teeth. No, it should be based on the product they're getting.

Product and service they're getting nothing else. I display the product too. I'm like, look. But that should be why they're getting it. Not because you're pathetically e-begging. I just like to explain to people where the money goes. Some people just like to know that. Do they even actually really know where the money goes?

Because do you even know where the money goes? I know where the money goes. Where does the money go? Mostly two video games. Okay. Or like $600 going out to eat a month? 600. 600.

Is that what it is? 600. See? You don't even know my 600-pound life. Jesus Christ. I didn't know it was 600. What else is on that guy? Spend dramatically more than you make.

It's not even close. And it's mostly because, I mean, we're maxing out this credit card and everything. It's really bad. And, I mean, for what it's worth it? You have made a lot of money.

2018, you made 91K? Uh-huh. Do you pay the taxes for that? No, and they're after me for that one. Good. They should come and lock you up for multiple reasons. But I'm getting on that one at least. They want $15,000.

Are you because you owe $67,000, or you made $67,000 in 2017, 2017 as well. Uh-huh. Do you owe for that? Yeah, they're coming after me. Okay, when the last time you actually made money? Because you're not making money now. Oh, we didn't even know about the taxes.

That's fresh to us. 2017 and 2018, they've been hounding me for years. Just those two years? Did you make money in 19? Just those two, yeah. No, not. I'm sure once you started getting the stimmies and all those benefits in California during the pandemic, you just lived it up.

The reason, no. At home. I didn't get a stimmy. What? California's a piece of shit. They only gave my mom one. That was it. Well, because you're a dependent.

Because I was a dependent. So that's actually fair. And my brother's also a dependent. So that's actually fair. You guys suck. Well, the, the, um, 2017 and 2018, I was going to conventions. I used to sell merchandise. I used to meet people like Tara Strong and shit.

Yeah, the federal conventions, yes. Yes, the conventions full of pedo people, yes. And that was where I made all that money those years. Then COVID happened. No more cons. Now I can't get any money anymore. You know what's crazy, dude? Literally, especially with all the Medicaid.

I know I'm saying this is a fat, but at least I'm not morbidly obese. Uh-huh. But even still. The thing is, you have. could have a hair. Yeah. The beard situation I have to figure out

but lose some weight, get on the OZempe, get on the, like, triple blockers now. Listen, all the shit. Lose some weight and you can go out there and you can find yourself a nice gal.

And with the type that you have, you could actually date a lot of people you're interested in because they're horrendous. Thank you. The beard situation, because you touched on that. No, that's the least important thing

of what I just said. You hide your chins with beard. I got like eight of them under a year. No, that's what I'm saying. Let's lose money. No, you're doing that. Let's lose. I'm already doing that.

Weight. Okay. I am losing weight. You are? Yeah, I'm 180 pounds down from where I was four years ago. A four years? Really? Yes.

How? I have a personal trainer. What? You go outside and go somewhere? A guy I drew furry for it. It was a personal trainer, and he agreed to do personal training for me over the internet. Still doing it? Yeah.

And is there a timeline? No. Forever? Yep. Good. So you're working out? Yeah. Are you dieting?

Um, he's got me on a calorie deficit plan. Really? Yeah. So this is working out? Shit, you were bigger than this? I was way bigger than that. Dude, that's crazy. this shit up. Now it's kind of loose.

Are you on mobile? Close to? Very close, yes. That's crazy. I had the cancels and everything. And what kind of... He wanted a picture of his character. What was this character like? His character's a fully grown dude.

Okay. Who's like a rabbit, something like that. And... Why don't people just go have sex with humans? Like, why... Well, he really wanted to have sex with you know, Muffet from Undertaker. fail.

Spider girl. I have her as my phone wallpaper. Hang on. That's weird. She's my favorite video game character. Check it out. The boobs jiggle, too. All right.

What's wrong with humans? Why can't you just, like... Look at me and ask the question, what's wrong with humans again? What's wrong with humans? Yeah. Yeah, but go get someone that's not f*** up like you. Do I really have that option?

Yes, lose weight. And yes, I mean, there are desperate people out there. I guess. If I ever get there, I guess I'll be. I'll be one of those people. If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of.

I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high-paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain,

and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch? Click the link below to sign up for one of their free courses today.

You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials,

but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds and millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise, built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com.

Link in the description below. K-0-790. Yes. And the limit at the time. time. No, sorry. The limited time was last. No, sorry, sorry, sorry, sorry, sorry. Sorry, no, it wasn't. That was the limit. Oh, it was. And you owe $4,903.

Yes. With a minimum fee payment of 218, interest, fees. You're probably late and purchasing. F*** me. 16 years to pay off, you won't be alive. Well, keep losing weight. And actually, I am encouraging that. I can make it 17 years. Not that we want pedos to live longer, but the thing is for me. I don't either. Okay.

Like I said, Thanos snap. If it takes me too, as long as it takes them, I don't give a shit. Fuck them. Do you care about your life? Yeah, I love my life. You kidding me? You want to live. Yeah.

I lost 180 pounds because I want to live. Okay. Yeah. So again, the mom thing, I got to get back to that. Like, I need you to live independently. Like, I almost don't want to do this unless one of our goals is you just actually learning life skills to learn to live independently as someone because we've got to get you.

Because what happens when your mom dies. Exactly. She's old. She's old. Is old is she? What do you want? She's 76. Okay, and she didn't look necessarily the healthiest?

Does she not? Well, she got stung by bees recently. She got stung by bees. Okay, never mind. She's okay. Okay, but even still 76, you know. She's a tomboy. She's a fighter.

I love my mom. Okay, well, that's good. She's still 76. And I wanted to live a long life, but what do you and your brother do when she... Exactly. That's why I'm here, Caleb. Okay, so it is independent. The whole point is get independent, but like...

Okay, there you go. Then I'm down for that. The current goal is get her out of that. I am not going to do that. That's not the point. The thing is, it's like, yes, but you have to take care of your life or else you'll never be independent.

Okay. So we need to focus on you. All right. The point, the point of coming here is I want to... Z-Y-G-O... Seig-G-O-G-G-O-Gides. What's that for $10?

World of Warcraft. You're spending out... Okay, you're spending on... It's an add-on for World of Warcraft. Right. Of which you're not paying your payment on time, but you did that. And then Disney, why even Disney Plus?

So you can watch all. young kid shows. No, I wanted to watch Darth Mall. If I could watch it somewhere else, I'd watch it somewhere else, my man. But they got like five billion streaming services. You want to watch it.

Path of, oh, exile, fuck. $90? What did you get? Only $90, huh? Did they not tell you? No, I know nothing. Tell me something.

I don't know. $16,000 on Path of Exile. Okay, what do you even get? I don't even know that game. I know it exists, but... I get to change my fireball to look like a dragon. I get to make my cursor a different color. $16,000?

$16,000. This is a $500 hoodie. What the fuck are we doing here? You have been staring it in the face. I like video games. I don't really... You just get cosmetics. You get cool-looking armor.

You get to make your character look cool. They can have wings and stuff. How have you possibly spent $16,000? It was 12 years. You spent 3,000 hours this year, well, that's 10% of your money. Yeah. Because I know where my money's going

when I pay it. Oh, and then Mozilla. Mozilla, corp, something. Whatever game, Mozilla has. Probably the, like, what is it, the VPN? It's probably the Mozilla VPN. And then $10 there. Yeah, late fee and then interest and cash advance interest.

What the fuck? You cash advance at some point. What's a cash event? insane. At some point you did something that qualified for a cash advance. I can't see it, but that's just the balance there's 142 for that. Okay. I think, wait. I genuinely have no idea what a cash advance

is. You've been late every month this year so far. Every month. Why? You do make money, and you shouldn't you don't have any overhead. So how are you possibly late? There's no reason to be. I'm hungry. It's even more pathetic. That doesn't make sense. What do you mean? DoorDash. I get a lot of door dash. Good, but you make money.

Why can't you just make a payment on time? It's $2.18. It's expensive. for your income, but you'll have literally no overhead. Don't even have a car. You sometimes do gas and you bragged about it. I'm not great at making myself make payments, and then I just forget to make it. Turn on autopay then.

If you don't have the self-controlled, then do that. Well, when you have auto pay on and there's not enough money in the account that it just doesn't do it. Sometimes my balance is just not there. Oh shit. Debt to friends? Oh, yeah. We haven't even got into that.

Well, that's what I'm bringing up so we can get into it. So again, there's a lot. a big purchase that'll come up. Yeah, my buddy. Bleep. And, um... 1700, why? Well, he's got the money to loan, so I ask him sometimes.

Yeah, but why were you getting it? What's it for? A chair. Dude, like it gave me chair bullshit. Lazy boy. What the... of course, you fucking fat. It was a $2,500 chair. Big old mother, it's got the recliner, it's got the cup holder, it's got the phone charger.

Who what? That's not even at your computer. It's right in front of my computer. What? Yeah, I got it there. The desk's right here. Pedals under the desk. I'm a fucking baby in a crib. It doesn't really get you to this healthier lifestyle.

No, not really. The pedals under the desk do. What does that do? I just pedal them. I get some circulation in my legs. It was a personal trainer recommendation. It was like if you're not getting on the bike, you need to have something weird.

Why would this person lend you that money? Just because he really likes the I draw. What? Your world is so f*** up. It is a f*** up work. Are you making minimum? monthly payments to him? To him?

Yeah. No. What's the expectation to pay this back? I draw him. He's got a character. He's got a friend who's got another character.

He wants me to draw quicker and more. I mean, I do with him. I kind of pay it back with him, yeah. Kind of. What do you mean, kind of? As in I'm not like giving the money, but like I draw the pictures. So what about?

Oh, him. Oh, boy. You owe a thousand. Yeah. Internet friends. He's, okay. So he's a tech support guy and my computer breaks down sometimes

he sends me some money for it and stuff like that. And he helped with getting here. To Austin? Yeah, from California. It was like $1,700 for the flight. What the fuck? Is that normal? Well, it was for two people.

It was for the normal? You decided to come here on Sunday and leave on Wednesday and he brought his mom. That's why. Oh, four-day little vacation for you and mother. No, I didn't check out. That's why it's expensive.

No, we don't want you, please. please. I don't want to be here either. This place sucks. Thank you. Yes, it sucks. So bad. Oh my goodness. Yes. Yeah, it's awful. Oh, my God. Never want to be here. It's an active town. Yeah, and I don't like active. Thank you. Okay. We can agree on that. I don't need to be here.

Good. Glad you figured it out. So how are you paying this guy for your computer parts and bullshit? Also, the character I'm trying to bring up, the one that's my life. So how much you own now, now that you came here? Better give him the reimbursement money. Oh, yeah, yeah. That's who's getting it. Stupid. That's the one where I'm actually being in response.

We're filming Tuesday and he got here on Sunday and he's leaving on Wednesday. What the fuck is wrong with you? I wanted to hang out a little bit. Come on. No. I wanted to see if it's a nice place. It is. It's not for you.

We're in a pretty shitty place where the hotel we picked. Where are you? What is it called? Town River, Holiday in Town River or something like that. Town Lake? I think it's Town Lake. It's right next to 6th Street. We were told that was a nightlife party full of drug-easing.

But of course, that's going to be a little different. It's going to be a bit more wild. Well, yeah, yeah. What is it, Holiday Inn? Yeah, Holiday Inn, Town Lake, I think it's called. And there's, um, there's a... Oh, it's okay. You're near Rainey Street.

Rainier's super nice, but it is right off of I-35. Yeah, it's I-35 bad. Well, it's a highway. Why would you want to be on a highway? Well, we used to live next to a train. I was fine with a train. That's, the train's different, but... Okay, PayPal.

Yeah. So this is your checking. Uh-huh. Yeah, yeah, 34 in there. Nothing. in our front of our hotel there's like... I don't know who you think you are to be allowed to take a vacation when you have no money.

It's not really a vacation. It's one extra day. It objectively, you know, no, no, a couple of extra days. People fly in and out the same day of the show. Oh, we flew in a day before because I knew I wouldn't going to be able to... Two days before. Was it two days before?

Sunday's two days before Tuesday. We flew out the 22nd. Isn't today the 23rd? Oh, I guess you came Monday. Maybe we misunderstood. Yeah, it was like, it was like 2 a.m. on the, we flew out on the 22nd. Okay.

So beginning balance 119. Yeah, a good amount of money comes in, but then it all goes out and you added with it's even less at 34. Did I say the 21st one? I don't know. It doesn't matter. I'm just, okay. Okay, sorry.

You're talking to me. All right, I'm talking to you. Okay. Yeah, I mean, you have so much money goes out. So many fees, too. This is crazy. There was a point. My interest was like $600 a month.

Well, this is just your PayPal account, not even. Steam games, Amazon, pull up your Amazon. Oh, boy. Stamps subscription. Why are you paying Stamps?com to mail your... I don't know how to cancel stamps.com. Call. I literally called. I called a scam center and gave them my account on accident once.

Block it from your checking account. I don't know how to do that. Immediately for pizza, DoorDash $40 of that fap. Valve, again, Steam. Valve, steam. Bunch of steam. Dino Labs, $10. DoorDash, another $42 down his throat.

So surprise you're out working this. Dude, my concern part is, I'm glad you've lost weight from like, well, how much did you weigh? Nearly 600. Yeah, that's what I thought. So 600 pounds. I'm glad you've lost away. You're in your fives. No.

Four. Right, 450. But the thing is, at some point, if you continue this diet, you will reach that equilibrium where the amount of working out you're doing is going to meet that calorie threshold where you can't, like, you're not actually doing it. And you're still going to be like morbidly, morbidly obese. because this is insane amount of food that you're consuming. I am staying under the calorie deficit.

Your calorie deficit is crazy, though. Which is 2,500, yes. You're under 2,500? 2,500 is my daily goal, yeah. I would be so shocked with these DoorDash orders. Okay, some square purchase. Yeah, you purchase through something. D.HL Express, you got something delivered to you.

Amazon, more valve. I think D.HL Express. DoorDash, Dash, Dash, Pass, Door to Dash, Little Caesar. $50 of Little Caesars. and he's under his 2,500 calorie a day? Well, I was feeding my family. But even $50 for three people, you're not under 2,500 calories.

I mean, $50 of Little Caesars is still a shit ton of food. One Little Caesar's pizza is 2,100 calories. That's just my day. I just have a pizza all through the day, and we're all good. But even still, you got more than like three pizzas. I got more than the fridge, and I got a mini-fridge in my room,

which I also bought. I cannot get anything on this phone. It's telling me you, if I guess. You suck at everything. You want to try it? You want to take the phone? You want to do it?

You're probably better with phones. You told you actually addicted to AI. What the fuck is that? I got an AI generator on my computer and I was training it to do stuff that looks like my artwork. Kids! He's generating kid. It's not looks like kids, you fucking weirdo. We saw them.

I say, think of kids and I'm the weirdo. You said your art. We saw your art as kids. My art is not all petite. It just has petite in it. So tell me. What is this addiction? Yeah, I think the weird one here.

So I'm sitting there and I'm training the AI to look like my art. And I'm sitting there and I'm making a whole bunch of different pictures. And then all of a sudden I'm just like, oh, can I just tell it to make something that's like, I don't know, a cheerleader or some shit like that? I make a cheerleader. I'm like, oh, that's hot. So then I'm sitting there just making shit loads more shit. I'm into big boobs on cheerleaders. There's big boobs on cheerleaders on.

Yeah, and I don't like the girls. I don't know them. I don't know their personalities. I can make up a personality for the AI one. Make it up for the person and the poor. They make it pretty obvious with their little stupid personality and their snooty attitudes and shit. I hate them.

Dude, you got issues, man. I don't like the adult industry. But you're a part of it in a different way. Yeah, but mine's all fictional. I don't like sex work. I don't like OnlyFans and shit like that. You don't like adults consenting? If it's putting yourself out there sexually and you know damn well

that there's like 13-year-olds jacking off to you, No, I'm not into that. Well, hold on. I needed something to jack off to at 13. Does that make it right that you were jacking off to an adult? Pupescent guys are going to jack off. Yes. And I would rather the people making be adult.

So yes, I think it's okay. You're the one addicted to AI. Does your mom even know? She doesn't know I make AI. She's going to know after this episode. Sorry, Mom. And make him leave. No, I'm sorry.

You're 76 empathetic. I'm just going to tell you that right now. Not to your face because I'm a coward. But you need to kick him and his brother out. This is like you've actually, you've been a horrible parent by allowing them to stay with you and not get jobs and develop any life skills

because they're not going to be able to survive without you. My brother's an exception. Okay. She doesn't kick me out because I pull my own way. She doesn't kick my brother out because she's very disabled. Valveri? Very disabled.

What's disabled? He's autistic, like low functioning. He can't live on his own. Maybe. I don't know. There's a low functioning, whatever. Warner Bros. HBO Max, of course. Okay, Spotify. I cannot for the life of me.

So, uh, page-round. You're paying for other people's patrons when you don't even have money. I've found Patreon. I think, ink, $30. Suno, yeah, I make music as a hobby. You make music too. Yes, I sing too. I sing, too. I sing.

You're a singer. Sing me a song. Sing me, Ave Maria, right now. We've been trying to reach you concerning your car's extended warranty. Not good. Not my usual. $26. You are not.

I know for the fat, for a fact, the calorie amount of a bit of a, of a plate, most plates from Panda Express. You are not under your 2,500 calories. You were going to meet your thing. Because, yes, I bet if you cut from 4,000 calories a day,

you 600 pounds will lose weight, but you are going to meet that level at some point where you can't anymore at your current diet and workout. Well, it does need to be read-tested. Valve? Exactly. Three logic system, gaming bullshit, whatever. Amazon, this is insane, dude.

DoorDash, Little Caesars, Fast-Rap food store going in and getting some bullshit, some energy drink bullshit. Look at this, by the way, for the energy drinks. You know, you guys know gamers. Look, our flavor. It's finally here. July 24th, if it is that date, if it's not, get ready.

July 24th, you can actually get the Caleb Hammer liquid acids. I tested so many flavors to get this. That's the general one. And one out of every 100 will get one with my face on it. So luck of the draw on that one. but check it out. Massive discount right now with their summer Christmas sale

but also standard 10% off with my code. Link in the description below. It is absolutely delicious. It's an incredible flavor. Check it out. We went through so many flavors and this is, we love it. Open wallet transaction,

withdraw 245, Taco Bell and you're under the $2,500. Door dashing, $20. What's wrong? Zygdor guides. Yeah, Zygore. That's the World Warcraft Add on we talked about.

earlier. Okay, that you're doing on PayPal credit and on regular PayPal. Another door dash, $34. Disney Plus, Amazon, Amazon, Exola, Mozilla, DoorDash, $33, Netflix, Amazon, Best Buy Amazon. DoorDash, again, $47,

buddies under $2,500. ExCorp paid features, $40, KFC, Dino Labs, another $10,000, $1,700,000, $1,179 with somewhere, some Best Buy there, $132, Olive Gardens, Sunco, beverages and more, $61.

Little Sears, $30. You got premium, Epic Games, $36.99. Open AI, you're paying for GPD for what? You don't do anything. You're not productive. What do you need to? Yes, you do. Open AI, 20 bucks.

When was that? Last month. Last month? Last month. Open AI. Yep. Well, that wasn't a payment that was supposed to go through. Raspberry Apple, by the way, if you wanted to know the flavor.

It's incredible. Check it out. No, I'm not supposed to be doing it. I'm not supposed to be doing any of this. I gotta shut that down. Taco Bell, door dashing, 20 bucks there. Epic Games, 3699, Epic Games, epic games, $2, epic games, epic games, $9. For, Furn affinity?

Yeah, that's the website. I post my art on. $5, don't go there. You'll become, your computer will be tracked. Going into some bullshit. Epic games, $90. Yeah. Patreon, $12.

They added POMDita Fortnite. Shut the fuck up! They added POMDita Fortnite. General Open Wallet Transsection. I don't even. No, 10 bucks. Wait. Oh, there's another credit card. Do you have Wells Fargo? Home furnishing you? Finance the furniture bullshit? Yeah. What? The lazy boy chair.

What? I thought you did that through your friend. He only did the down payment. It was $2,500. Creature. The balance actually went up somehow. 1,4007.7. 71 cents. Why? Oh, because you were a late, late fee. Uh, like seven late fees. It went up a bit. I'm just not good at making the payments, man. I gotta get better at that. That's what I'm here for. This is so pathetic. You just have to follow it.

Dude, you should be the easiest budget in the world. You don't do anything. You don't even fuck people. Nope. Like, where's your time and energy? It should be so easy budgeting and download the eyes. And anywhere, this doesn't even matter anymore. Pass due.

Okay, 194, 76 is your normal minimum. This is so stupid. Fees being charged at crazy interest will be soon. I'm sure there's deferred interest. Not even worth looking at. It's crazy. You refuse to grow up. I don't even know.

It's just stupid. You can't even get laid. Everyone can get laid. I could if I wanted to. Trust me. Oh, you could. There you go. I had a naked girl on my bed.

Of course I can. Well, yeah, she may have had AIDS. So that's different. Yeah, that's a little different. Oh, okay. Well, never mind. Well, if I wanted AIDS, I could get easily. Get f***.

Listen, okay, that's different. I thought you were more insolid. sell. If you don't want to have sex in your having sex, like, fine, that's your choice. I don't care. I'm scared of it. I thought you couldn't have, oh, well, then you are weird again. Yeah, like I said, 11 years old, learn about STDs and shit like that. It's up. I'm trying to get over the fear. You need therapy. Do you want a diet virgin? No. Would you care? I want kids. Oh.

Case, oh, is something you'll never hear in your life. Uh-huh. You know, you're putting the HPX on here to this credit card. So this is a This is Wells Fargo checking account. You're putting HBO on multiple. Dude, do you have recurrence? You have Disney Plus on PayPal credit and PayPal. And now you have HBO on PayPal and Wells Fargo.

If there's balance in the PayPal, it uses the PayPal. If there's not, it uses PayPal credit. It's like automated. But still, same month, it got charged both. And you're being charged. No, no, no, it doesn't even matter because Wells Fargo and PayPal both had HBO Max. Wait. Yes.

Yeah, dude, you know nothing. The Wells Fargo had HBO Max. The worst far goes my chair. What do you mean? I went through, actually, I guess PayPal is pulled through there. So for what it's worth. Home furnishing, yes. There is there. And home furnishing, home furnishing, yes.

That is not supposed to. But their items returned unpaid. Those Dyno Blade, Seam games, Dino Blase, whatever. Steam games, Adobe, HBO Max, Steam games, Dino Blastic, whatever, bullshit. Seam games in Adobe. This is crazy. Overdrafting, like crazy. No one's surprised because you're crazy.

I don't remember what Dino Labs even knows. Credit score. Living at Home Nover. 553, pathetic. I have a 553. What is this WFBNA card? WFBN. Wells Fargo

Home furnishing. That's what that is. Okay. Yeah, I need attention. We have a, and then that's the first credit card we looked at. So did you go to college? I tried to.

Did you do anything? You tried to? I went to an animation class and they didn't teach us shit. Wow, you'll never be productive in your life. I wanted to learn to Z brush. You'll never be productive. Shut the fuck up.

You'll never be productive. I can learn like blender and shit. Yeah, get into the most likely to be AI replaced job. That's smart. Well, then I'll learn AI. Huh? I'll learn AI.

I'm already trained in my own. 2018, CA burned almost entirely to the ground. Our good friend Gavin Newsom did absolutely nothing. We're having six choices for DoorDash. Okay. It was two choices. It's just a life story.

Yeah. Yeah. You don't have any mortgage or 401k accounts. Well, we know. you're a loser. You're a deadbeat. What would I have a mortgage for? Exactly.

You've never been productive in your life. You would never. Okay, so your income is, I guess, 3,000 hours a month, and I guess you don't have to decide for taxes because you're a dependent. It's weird and we're enabling, and you'd probably get money back. It just goes to your mom.

Her debt situation is your minimums to payments, and I guess you're making your minimums to your friends with... Yeah, yeah, yeah, they're paying for a service. But your minimums. payments are $412.76. So you get your own groceries. Good. $300.

There you go. You're fine. Meal plan, meal prep. We base it off of that. That's three meals a day plus snacks, plus drinks, plus dessert. I know you love that. Phone bill. How much? Phone bill. Mom takes care of it? Mom takes care of it. It's $150 a month, by the way. Yeah, but she takes care of it. Gas room from Drive, drive. How much do you contribute? About $350 a month.

What? I thought you... Why is this? Okay. Carnet insurance? California. She pays for it? She pays car insurance. Okay, rent mortgage utilities, she does it all. Yeah. TP fun. Anything else you need for your life?

I'll give you 150. Therapy you probably do need. You probably can get on like Medi-Cal and bullshit with your... I can't. I've tried. Because you're a dependent? I got rheumatoid arthritis and all that shit, but they just keep telling me like,

oh no, you're completely capable of doing everything. You are capable, good. I'm glad that California at least says that I'm actually surprised. But you also are a dependent. So I don't know if you could go independently, get on different services. So I don't think I can. See what you can do.

I will do another $200. Let's do some therapy. Okay. And I think you can do that. Do you have health insurance? No. At 37. At 37.

Wait. Okay. Because I couldn't get on Medi-Cal. Get on some subsidized health insurance, affordable care acts. It's a little more expensive now, but whatever. I'll do $400. Let's just try $400. It's all expensive because you're a fat.

Well, Kaiser Permanente is the only choice and that is $400 a month. There we go. We did it. There you got it. Right on the dot. Good. Do you have any pets? I do, but my mom.

Subscriptions, I'll try to give you 50 bucks. Okay, there's nothing else that needs to be in this budget because you have nothing. How much fun money I get? Huh? How much fun money I get? Let's see if there's wiggle room. There is. I'll give you $250 for fun.

Okay. You have a thousand and $200 both on a monthly basis. Okay. And that's savings. Oh, pay off debt. Pay off debt, right? If you're done in five months, get an emergency fund, move up, but you got to work on you need to go get a job like McDonald's and start building up experience.

That's the reality. You're going to be lifting shit at manufacturing. You're going to be taking bottom entry-level bullshit jobs because your resume is nothing. Not bullshit jobs, but just entry-level shit. You're going to be building up your resume. You need to go, you're not going to do any of that. So I'm practically just going to end because what the fuck else is there to say? I could get a job at Starbucks.

Okay, we'll get a job at Starbucks. There you go. Get a job at Starbucks. That was through indeed. You're trans like everyone else there. so it's perfect. I could say I am. They did get me the job, probably.

Well, you certainly were, which is... Yeah, I've got the experience. Yeah, I can fake it until I make it. Okay. Good luck, buddy. I have zero hope here more than almost any episode ever. This is pathetic and sad in discussing. You're afraid of blow jobs.

What is wrong with you? Guys, hammer... There's teeth. The hammer... We're going to get the hammer financial score. Make sure to join us in the post show in a little bit. There's a big stalking situation that we didn't get into.

that's crazy. Oh, yeah. And a lot of other really crazy e-begging that he's doing. You'll see. Well, that's in the post show. But Hammer Financial Score, spending their budget dramatically overspend 0.10 debt. That friend debt is... I'll give you a 1 out of 10, because at least there's no collections.

It's about to be, though, because you're not paying on time. But emergency fund, nothing zero to 10 retirement, nothing in real estate. Okay, Hammer Financial Score. $5 out of 10. Get yours at Calebhammer.com. Now click join to get three premium shows every single day, six days a week, including an extra 20 minutes of this episode called the Financial Auto Post. show. You can join on YouTube or you can join on the Hammer Elite app or Hammer Elite.com

wherever you want to be. Membership's the same on all services. It's the best one there is. See you there. So I'm being told instead of going and getting a job like we're trying to push you to him. And he's a V-tuber. Oh, a V-tuber too. So now you're a f-fittuber and you're making a video. What video game you're making? It's a horror RPG. How far along? Um, you can walk around in a house. You do everything besides get a fucking job. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday.

Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.