Ryth - Gen Z Is Actually Going Poor.

Episode Date: November 26, 2025

Gen Z Is Actually Going Poor.

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50 tours for the machine-a-Bass Bonanza depop minimum of 10 dollars. Veil to pay the food addiction very clearly still continues and Dutch Rose is your favorite place in the world. They go there every second in real life. Yeah. I can't put down a cup.

Capitalism is bad. I don't like it. These are probably going to be the most mind-numbing videos I've ever watched in my life. You would think that these grown people would know how to take care of their finances by the time they're 25. But for some reason, audience, all of you have a higher network. than these people. Think about that. This video is going to be depressing. All right, people, what's up? Gen Z is going into financial ruin. Now, audience, the subject of today's video is going to be Caleb Hammer. Now, if you are not aware of who this person is, let me fill you in.

This guy, Caleb Hammer, runs a show called Financial Audit. In his show, he brings on guests that are in very bad crippling financial debt. And this guy, Caleb Hammer tries to help them out of their crippling financial situation. However, in some cases, aka most people on his fucking show, they want to be financially free, but they also defend their poor financial decisions in the process, which inevitably you get people like you seen in the intro on his show today. Let's begin. Money owed to grandma. Guantee, $3,000 to your grandmother. How old is she? 73. You're taking this from a 73 old woman. I mean, she has money. There is no way. way than my ears are conceiving these fucking frequencies right now. Essentially what's going on here is this guy stole $23,000 from his grandmother. And his defense because of that is, oh, she has money. Bro, your grandmother is 73 years old. What the fuck is wrong with you? You should be fucking ashamed of yourself.

thing took for her, for her retirement. You borrow and go to Chicago for Lady Gaga. While unemployed, it was fun though. Are you not recognizing how disgusting that is? No. Yeah, uh, this dude genuinely has no idea how fucking nasty he is. You stole $23,000 from your 73-year-old grandmother to go dance at fucking Lady Gaga. If I were this dude's dad, I think I would actually beat his fucking ass in Minecraft.

There really isn't much else to. to say about this guy, you are one disgusting motherfucker. You are a selfish asshole. Well, I have to live life. Oh, no fucking way he said that. I have to live life. Not at fucking Lady Gaga on stealing 20 grand from an old lady. Especially when it's your fucking grandma.

Audience, this is beyond a fucked up financial situation. You are just a fucked up person. Can you guys even conceive of the idea of stealing from your 70 year old grandmother because I can't you can live life when you afford to do it you are stealing from grandmothers and then you're taking a flight well I have to have fun no you are a bad person I need you to know you are a bad person and that's okay I hope that you lose all respect from everybody you love everything that you said in this video sir you are acting like complete fucking pond scum you are an asshole you are a piece of shit you are a fuck up I think you should go to jail I think that you

get your ass beat in fucking jail. Audience, please tell me in the comments. If I am being too harsh, you do not steal from the elderly, you fucking asshole. Food addiction, very clearly, still continues, and Dutch Bros is your favorite place in the world. You go there every second in real life. Yeah. What do you like so much about Dutch Bros. Wow, Caleb, Dutch Bros is his favorite place in the world.

I wonder how you figure that out. Surely nothing gives it away. You like so much about Dutch Bros. What do you get there? Um... Several different ones. Like coffees? Yeah.

Okay. Have you, have a Dutch Bros? We have Dutch Bros. Oh yeah. I've never been to one. But 10 bucks is a lot. Yeah, they're like $10.

Oh. Yeah. I probably will never go to Dutch Bros. With that kind of price. The drinks are probably like eight something. This is it huge? It's larger than Starbucks. Listen, man, I really hate to break the ice here,

but I think you should stop going to Dutch Bros. I mean, do I really need to point out the evidence as to why you need to stop going to Dutch Bros? I think you may have had one, too many Dutch Bros visits in the past fucking week. Just a thought. Also, bro, the cost of a typical gym membership costs about three of those Dutch Bros coffees.

I think it'll do you more justice to do that than Dutch Bros. You rated your kids savings so you could go on vacation. Yeah. No fucking way that this guy did that. Dude, that's your kid's savings. Your kid's future and you stole it from him. What a complete failure of a father. My God.

How much was there? and your kids see your kid savings. Probably 8 to 10,000. What the fuck, man? $8 to $10,000 in your kid's savings and you stole all of it. Listen, audience, I don't know where you are right now, but I just need you to give your parents a hug. Tell them you love and appreciate them

because at least they're not spending your $10,000 savings on a fucking vacation. You are a fucking mongrel. Holy shit, man. What the fuck? Bring it up. 4 year old. Hold on a fucking minute. This kid was 4 years old. So you were saving all this money for your 4 year old child's future and on a whim you're like, no, I want to go on vacation because I'm fucking selfish. And you stole that. You fucking stole that from your child's future. Audience, I'm sure that you can think of so many things that you can do to better your life with $10,000. $10,000 is life-changing money for some people.

And this piece of shit of a dad thought it was a great idea to steal all of that from his child's future to take a vacation to bum fuck nowhere. You should also be ashamed of yourself, dude. I figured, you know, I took him to New York four times in the last year. Disney World, the Bahamas. I ran it up on my credit cards and I was like, well, I don't want to pay interest. Well, if you didn't want to pay interest, you should have never went on that fucking vacation. Audience, I want you guys to know the last time I went on vacation,

mind you, ladies and gentlemen, I'm doing around $50,000 to $60,000 a month in revenue, so I can technically go wherever the fuck I want in the world right now. But the last time I went on vacation, I was in Texas with my boys. If you guys know the YouTubers, Birdie, the Duck, and San Amari, I was on vacation with these guys. And that was about maybe a year and a half ago. And it really wasn't even a vacation. We just stayed in an Airbnb and we worked on content.

You don't have to go on vacation, motherfucker. Stay in your house and work. Also, you really just have to appreciate how this dude is saying, well, I took my son to New York City four times in the last year. This dude is talking like his four-year-old son owes him something. He's four years old, motherfucker. He doesn't owe you anything. He's a child, you fucking dipshit.

I want to pay interest to let me take for my kid's future. Well, yeah, he's like a zero percent loan. And the wife's opinion on this? I really didn't ask for her permission before I did it. I figured he's three, four now. He won't know. So this guy wants to go on vacation, steals from his four-year-old son's future. He doesn't consult anything with his wife about it.

He goes behind her back and steals $10,000. And if you look at this dude's face, he shows absolutely no regret of doing it. I hope you lose all respects from everybody that you love to. Capitalism is bad. I don't like it. Oh, God. Here we fucking go with the capitalism shit. Here we go, ladies and gentlemen.

We have another Pokeyane talking about how fucking capitalism is bad. Yeah, really easy for someone to say that grew up in a really nice house in one of the best school districts in Texas. Who has the rent paid for that is able to go to Europe and on a whim with their sister who's able to do girl math, who's able to be fun employed. Yeah, it's easy to say that the system's bad. when you're doing that because you've never had to work for it. You never got to actually see what happens when you put in the work and get benefits and actually have a little bit of responsibility and actually build something or do anything. You've grew up in privilege beyond privilege, beyond privilege, beyond privilege.

It's only the people who speak like you that grow up in a world where you've never had to do a single thing in your life. So I don't want to hear about that. What a joke. I'm sorry. I just wish everybody had like... You could tell that there were. is not a single thought running through this girl's brain. Oh my gosh, like literally, I just wish

that everybody had like, listen girl, I wish a ton of things in this world, but wishing doesn't get people places. Welcome to reality, girl. Hope you fucking love it. Well, audience, what do you think? Subscribe if you would like a part two about financial audit. With that being said, I'll catch you guys. Later.