The Financial Audit episode features a former barber, Jade, who claims she was fired from her job in Denver due to an "attitude" and perceived personal conflicts, including a dispute with her manager over appearance and professionalism. The host challenges her financial credibility, pointing out that she cannot provide reliable income documentation, has no savings, and is currently unemployed. Jade asserts she earns money through freelance clients, but the host disputes this, citing lack of proof, inconsistent details, and poor financial planning. The conversation becomes a critique of victim narratives, with the host arguing that Jade’s claims of discrimination and harassment are exaggerated and lack factual backing. The episode emphasizes financial transparency and accountability, showcasing how poor financial habits—such as failing to pay bills, missing minimum payments, and relying on unverified income—lead to instability. In response, the host promotes a new financial membership app, Hammer Elite, offering exclusive content, lifetime access, and limited-edition merchandise. The episode ends with a call to action for viewers to improve their financial health using tools like budgeting apps and financial assessments, reinforcing the show’s mission to expose financial mismanagement and promote personal responsibility. The host also highlights the importance of real-world financial literacy, contrasting Jade’s anecdotal claims with concrete financial data.
- To watch episodes of Financial Audit a week earlier,
check us out on YouTube.
- I just said okay.
- Who gives a , just work, dude.
Just work.
- I give a.
I took the client just fine.
- Well you told Lindsay that you thought your manager
was jealous because you think you're better looking
and the manager's a natural born woman.
- She's jealous that I'm a hot tranny.
- Your right eye is further from your nose
than your left eye.
But why were you here at 8:00 AM this morning?
'Cause you got kicked out of your hotel
that we sent you to.
You little freak.
We sent everyone to like the same few hotels.
You're the first one to get kicked out.
But no, no, no, you got tits as well.
- Those were free.
- You did your nails.
- Those were free.
- No, how was it free?
- Colorado taxpayers.
Why would I pay for it if I can get it for free?
- June 1st, I'm launching the Hammer Elite app.
Available on every major platform.
Join the wait list by using the link in the description
or pinned comment down below
to get a never before seen financial audit video.
And then an exclusive offer just for you.
You'll get lifetime access
to the entire Hammer Elite catalog
and our Hammer for Life box
packed with limited edition merch.
So mark your calendar, June 1st.
This is the best membership you'll ever join.
And that is a promise.
- I'm Jade, I'm 28 from Denver, Colorado.
And you're watching Financial Audit.
- Yes, you are and you're on it.
Thanks for coming over to Austin.
- You're welcome.
- What do you do in Denver for a living?
- Barber, I cut hair, you know, do men's hair.
- Oh, okay.
- Things like that, you know.
- Thoughts?
- Turn around.
I think you kind of need a haircut.
And your neckline's kind of.
- I need a haircut, yes, let's go with that.
- Yeah, tell your barber not to block off your neckline.
You look like a little boy.
- Little boy?
- Little boy.
- Okay.
- It just looks cleaner when you like taper it, you know?
- Well, she said I was hotter in person,
so I guess she's into the little boys.
- I said cuter.
- Cuter, that's what you want to hear
when you're into little boys apparently.
- No, no, no, no, no.
- Okay, little boy lover.
- You will tell kids that they're cute.
You don't tell kids that they're hot.
- So, barber?
- Yeah.
Yeah.
- Very good.
What do you make?
- Uh, well, I don't really know.
It depends.
- Okay, well.
- I told you I was a barber.
- That's the first question in financial audits.
- I'm a tip employee.
- Okay, very good.
- I also make hourly and commission.
- How much do you make on average from your tips?
- I don't know.
- And then your commission.
And then your hourly.
You combine it.
- I don't know.
If I knew, do you think I'd
be here?
- Yes, 'cause most people know what they make
and they're still.
- Well.
- I do not know how to go through
the rest of this conversation without a number
I can put down for how much you make.
- I mean, I can like guess.
It's on that now.
- I don't know how reliable the guess.
Okay, what's your hourly?
- It would be $12.50 an hour.
- Oh.
- That's commission.
- That commission better be good
'cause $12.50 an hour in Denver ain't gonna do shit.
- Well, no shit.
- Yes.
- But I have my own apartment,
so I must be doing something.
- Most people can get their own apartment.
- Not without roommates.
- No, you can get an apartment.
I mean, they'll approve.
- But paying for it.
I'm not evicted.
There's no eviction notice.
- Is that the,
do you want a round of applause for this?
Like.
- Kinda.
- Okay, well, you're not gonna get it.
That's some basic shit,
and I see it behind the payment immediately
on the first document,
but we'll get into that.
That's just what's in front of me,
so I don't think there's too much to celebrate here.
I'll be completely honest,
but okay, so you're a barber,
but you don't know how much you make.
Great. - I mean.
- I mean, a little bit.
- What do you think?
Commission, commission-wise.
Let's just try that.
Okay, wait, wait, wait.
Actually, first, $12 an hour.
How many hours do you work?
Let's start there.
- I don't know, 45 a week.
I'm always making overtime.
- 45 a week, that's pretty good.
- Yeah, one of the top employees there.
- Okay.
- Until you got me fired.
- Are you bragging?
I don't know.
I got you fired.
- Yeah, you got me fired.
- I have never been to Denver.
- So, but your attitude,
you know, I was watching you,
and then I had a little incident with my manager,
and I don't know.
- You were watching me?
Were you mimicking my attitude to your clients?
- Not my clients, to my manager.
- Did you tell your manager
she was spending out of her budget?
- No.
- What was the, what?
- But your attitude is contagious.
I wanted to.
- Well, when people are being bad,
was she being bad?
I don't think that's me getting you fired.
- She had an attitude problem.
- I think that's you getting fired.
- And she thinks I have an attitude problem.
- Oh,.
Wait, that means,
you do have an attitude problem, by the way.
But mine is--
- Yeah, but it's deserved.
- Well, I was gonna say,
it comes from how the people act.
- So does mine.
- Yeah, but I don't know.
You kind of came in here like a.
How do they--
- 'Cause I said that you were cute.
- No, 'cause you don't know.
- Because you're--
- You don't know your pay.
But now, I think we do know your pay.
Your pay is zero.
You got fired.
- Right now, yeah.
But I, you know,
I'm gonna get on unemployment. - But that's your income.
- I'm gonna get on unemployment.
- Sure.
- I can find a job.
- No, no, no, no, no, no.
But if we're talking how much you make from this job,
there is no job.
- Well, I'm gonna freelance.
I have clients that want me.
- Okay, so how much do you make
from the clients that want you?
- Three, $4,000 for May.
- $4,000 for May.
- And that's not including--
- Okay.
- That's not including my tips.
- This is cash.
How are you including your tips?
- Not cash.
There are no tax on tips.
- What, what, what, $3,000, huh?
- No tax on tips.
- Depends on your income level.
But essentially, yeah, I mean, you'd be fine.
But you're right.
But no, no, no.
I'm talking about how the clients are paying you.
Your clients.
What are your clients?
How are they paying you?
In what way?
- What do you mean?
- Oh my goodness.
- Money?
- How are you collecting the payment
through your clients?
Where are you cutting your clients' hair?
- Oh, I don't know.
- Why?
- I mean, it could be their house.
- Dude, okay, this is gonna be an impossible conversation.
- I've thought about going and getting--
- So you do know.
- I have ideas.
- But it's not.
Where did you cut their hair
in the $3,000 that you made?
- Where was I before?
- No, no, you said you made $3,000
directly from your own clients.
- No, I'm going to.
- Oh, you're going to.
- Yeah, we were just now.
- Okay, where is this going to?
Why aren't you now?
Why is it going to instead of doing now?
- Because I came here.
I got fired and then I came here.
- When did you get fired?
- Like a week ago.
- And it was your attitude?
- Allegedly.
- Okay, well, I don't think that's me.
But why weren't you trying to make any money
within the last week?
I would have been freaking out
trying to cut as much hair as possible.
Just to let you know.
- Well, 'cause I got my tax returns in,
so I didn't fucking need it to.
- Well, did you even claim everything
properly?
Who even knows?
- Yeah.
- Okay.
- How much did you get?
What did you get?
That doesn't mean you claimed it properly.
- How does it not?
- What did you get back?
- Federally, I got back close to 3,000
and I'm still waiting back from state.
- Oh, you want to call the manager
that fired you in the post shop?
Okay.
- Yeah, 'cause she's a.
- Okay, we probably will.
I mean, I love a good fight.
I don't think she's a.
You probably got fired 'cause, I mean.
- No, she is a.
- What was her reason when she said you got fired?
- Do you want the first incident
or the incident that I technically got ruined?
- Yes, if you just got fired, tell me.
I need to know.
- I said, okay.
- I knew the whole thing.
No, that's, come on.
That's not possible.
Don't be a dick.
Don't be a dick.
- Bullshit, you were not there.
I literally just said, okay.
I had a client book last minute.
Then he called and was like,
hey, I'm gonna be late.
Why are you gonna book appointment
10 minutes before something
and then still be late?
That's so stupid.
So I was just making a comment
about how that's annoying.
No one was up there except for me,
the front desk girl and the manager.
And my manager's like, yeah, it's annoying,
but we can't change anything about it.
Because I knew that policy already
'cause I've been there longer than her.
I helped open that store.
- What is this ego?
- I just said, okay.
- Who gives a?
Just fucking work, dude.
Just work.
- I gave a.
- Well, you told Lindsay
that you thought your manager was jealous
because you think you're better looking
and the manager's a natural born woman.
- I don't care.
I don't care what she is.
- But you said that to Lindsay.
- Yeah, exactly.
She's jealous that I'm a hot tranny
and she can be.
She's Shrek, not human Shrek.
- So?
- I bet her proportions are normal.
Fine, let me see.
- She has Nemo boobs.
- I would rather have that
than an eye that's trying to jump from my face.
- Wow.
- I mean, I'm just saying.
- That is so rude.
- Well, a couple, you were shitting on her.
- Sure, I'm gonna shit back for what it's worth.
I mean, if you're trying to talk about looks,
I don't even care about the natural.
Well, I mean, if I was like shopping for.
- You shop for women?
Wow.
Male or a bride.
- Yeah.
Well, you know, capitalism.
- Plays into the incel energy.
- I'm kidding.
But if I was looking for someone to, huh?
- I said it plays into the incel energy.
- Incel energy.
I have a girlfriend.
- How much was she?
I have to unblock her to find a picture of her.
- But even still, even without the girlfriend,
incel is involuntary, celibate.
I have never had an issue.
Where's my incel energy?
I even just called you.
I called you by your preferred pronouns even.
How am I possibly incel?
- I don't know.
I mean, you hate women.
- No, I don't.
I love women, in fact.
I'm very beautiful.
- I don't know the way you talk about them,
the way you talk about their bodies
and how you hate fake titties.
- I hate fake titties.
That's not anything.
That's not anti-woman.
In fact, I like their natural titties.
- That's just weird.
- I love women in their natural state.
The way that you go on and on and on about it.
- About fake titties?
You're just exalted 'cause you got some fake titties
'cause you couldn't grow them naturally.
- That's because I'm a skinny legend.
If I was fat, maybe I could.
- I do got some titties.
That's true.
- Yeah.
Mine are prettier.
- Mine jiggle.
- So do mine.
You wanna see?
- No, absolutely I do not.
I do not.
I've seen too many unconsensual tits on the show.
- I didn't say unconsensual.
- I talk about men's bodies, too.
- I asked.
There was no unconsensual.
- Well, I know, but I'm saying
I've seen too many unconsensual.
I rip dudes on their appearance all the time.
The episode we just uploaded yesterday
with and his 180% VA cooking disability.
I was shitting on him.
barely mean barely mean to him but you were mean to women more so than you are to men i don't know
that sounds like you're like a weird terminally on bullshit terminally online bullshit because
here's what we're dealing with here here's him lowest iq and financial audit history class three
on the thumbnail yes we were so nice dude you're just obsessed with being a victim
what are you talking about we're just as mean to everyone we get more women that come on the show
so we upload more women you could say that but we're just as i'm just as mean specifically to
everyone i thought you're gonna show me a picture of the person that's natural but better okay well
then i don't really give a so you think you're fired because you're hotter for being not natural
well she's natural and not as hot that's one of the reasons okay is it that or is it because you
were a c*** to her
because you interviewed for the manager position and she got it over you well no she was upset that
she didn't get a party and no one clapped or no i think she fired you because you were a c*** because
you wanted the job you didn't get it she did yes because you wanted the job no no no i yeah sure i
wanted a job because i've been there since day one but doesn't matter that's not how people get
promoted that is not how anyone had more clients than her i had more loyalty than her loyalty
to the business both um that's kind of hard to manage i was also a certified trainer so i was
training all the new people so i mean they probably see her as a better manager again
everyone hates her at work you have an attitude when it's deserved when she's coming at me telling
me that my health issues don't matter because she didn't feel appreciated at her manager
what are you talking about what even is that what do you mean what is that your health issues are
an issue with her getting celebrated by being a manager what the f*** are you talking about
uh i went to the urologist because i was pissing blood i'm okay well did you cut it off no i like
sex too much that would have done it but done what bleed but either way i don't know how that's
connected to her not feeling happy of the celebration and lack thereof well i clapped
i told her congratulations in a nice way let's just be honest i also
scheduled my uh appointment to be at that meeting for her to show my goodness what an amazing person
let's just be very clear you put it on her even just bringing up this being more mean to women
thing than men which is just objectively untrue unless you're weird terminally online reddit
brained the thing is you want to put yourself in a victim category i'm sure there'll be a third
example here soon you just everything is against you against the world you're an immediate victim
out of the gate and it's not a good look you can't think of anything else you can't think of
any responsibility in fact number three there it is you said i'm the reason you got fired you can't
take any accountability you really did become a woman didn't you well that's the point right
it's the whole point of being trans okay very good so how the are you gonna survive we don't
allow people to come on with a show with no income but you must have got fired before you even got
here before you applied hey you had to have okay so what's going on okay and then now even more
your experience your your discrimination over here and then you're like oh my god i'm gonna
work in there because no one decorated your station for your birthday shut the f**k up that's
where it started you're not discriminated against you're not a victim you're in colorado no one
gives a f**k no one cares no one gives a shit that you're trans who cares i don't think it was
because of that then what were you discriminated against for because you're a woman is that what
you're saying no no that's not what i'm saying because you're white i'm not white actually
grandmother's full-blooded cherokee and lived on the reservations bitch i got 25 percent native
you're white it's because i live in colorado you go and try and tan up there still one of the sun
of your cities just because there's sun doesn't mean your skin could absorb the rays what have
you been to colorado no but i don't think that's what's required to understand the altitude uh-huh
closer to the sun so either way because there's less oxygen your skin cannot absorb the uv rays
it's not i don't really give a f**k what were you discriminated against is my question i just think
that she's a maga supporting dumbass that fires every minority that has worked there you're not
a minority well i guess trans but you said that's not even why you were fired i mean it might not be
but like your grandma being one percent native is why you were fired grandma was one percent native
i said she was full-blooded cherokee and she lived on the reservations are you deaf maybe
do i need to speak louder i just
have a hard time listening to this i don't know you're just kind of a b**ch you're kind of a so
it's difficult for me honestly i'm angry i got fired yeah but she said i'm freelancing and i
i'm gonna have income i already have income well what that's what i asked at the first question but
either way you're discriminated against because you're let's do the math 25 indian like me we're
the same okay that's why you were fired you're saying you're discriminated because you're indian
i don't know not because you're a b**ch okay
what was your discrimination no if you're gonna claim discrimination which might go legal
i don't know i really feel like she just did not like me and that has to play a part is your bad
wig like what this is my hair oh and you cut hair s**t you think my hair is bad let me see your
hairline okay okay well it's not that bad no it's not bad at all i just got a bit it's a little
no i'm getting a couple grays but i'm just i thought it was a wig no you didn't
no i i thought it was a wig okay you can keep telling yourself that sweetie it's it's nothing
to even tell myself this is i thought it was that's fine it does now you've corrected me
now i know it's not it's okay no the discrimination thing i just don't get it
discrimination okay so this is why no one believes anything anymore you've ruined it
when people claim yeah when people claim victimhood and discrimination no one believes it because it
people like you now you're just saying anyone can claim discrimination but you can't even tell
me what you're discriminated on it's like yes you're the reason different things but you can't
give me anything tell me something well you said it was stupid that i didn't get my station
decorated for but they do it for everyone what was the discrimination why were you discriminated
against specifically you already said it was because you not because you were trans you said
she's maga something i don't know what that what were you wearing a biden or a commissure and you
what the what the what you so that has nothing to do with anything then so what were you
discriminated on if you're going to claim that if you're going to claim victimhood on everything
what were you discriminated i mean it's hard to say it could be the trans thing it couldn't you
weren't just shut the fuck up it's just fishy that i was such a good worker to you client
to you you thought everyone thinks they are that's why all my clients are pissed off that
i'm not there anymore and they've all hit me up and i'm freelancing and i'm gonna have yeah
maybe but you're also the disgruntled former employee that always happens to everyone who
got fired welcome to every fired employee ever okay it means nothing you can't even claim
discrimination you try to say it was my fault saying it's because she's maga you're saying it's
because uh because she thinks you're prettier than her the natural born in your words to lindsey i
guess i don't know you keep it's so many different things i don't know you're victim and everything
no personal responsibility no accountability
you throw it at me and again it just makes no sense it's lining up with everything i'm sure
there'll be victimhood on this you're saying i mean her to women no it's just i mean her to you
because you're because you're a bitch because you're delusional because you're up just like
the guy yesterday too you're just a victim want to be victim you can't describe anything how did
i get you fired no because my attitude no you're a bitch you rubbed off on me yeah and i don't treat
people like that yes you do you were what on this show absolutely like shit on the show that you
signed up for yes
i'm saying to my manager to my boss anytime i've ever been in those situations no
to a police officer getting pulled over no i know when to and when not to you're just
you don't know how to me what do you mean coming at you like in a condescending tell me tell me
when she's coming at me with attitude like when i said when i told her okay she later was like
and had this bitch about your problem okay i just said okay and i walked away doubt it
highly doubt it no one you're gonna fire somebody for saying okay you're gonna fire somebody for
asking questions attitude what would she say what do you mean what would she say if we asked her
right now i know we're calling her in the post so but if we asked her right now say that i had
an attitude and i you know i was not i didn't fit the culture or the fat me okay and what about your
previous job you said you were sexually harassed by a massage therapist when you were working at
a med spot i was okay what happened there everyone else and everyone else well me and a few other
girls it was like everyone else but what
what actually happened because no no before you actually say before you actually say because this
is because because sexual harassment very bad so it's discrimination so it's discrimination but
going off of where you are and your mindset and how you are essentially destroying our culture
with your like false claim bullshit because you just said the discrimination now you are what has
diluted that entire conversation because you couldn't describe discrimination of any kind
and now it's just impossible to believe you on anything so what was the sexual harassment try
to not over sensationalize okay okay
I'd have this massage therapist that constantly
be like, Jade, when are you going to let me touch
you wouldn't let me rub you down and that he was also gross smelled like bo was it if he was hot
how would you have felt i mean those questions are still not how you're supposed to ask oh that's
thank you for answering that question like that it's the meme it's the workplace meme like hey
sharon or shannon or whatever cares though you know and i told him multiple times to stop he
would come up behind me and where we would do laundry and touch my back or my ass why didn't
you start with that if that's actually that's actually like that might be even like assault
more than anything but you didn't start with that you said you started with a question you see how
i can't trust you you see how people like you have ruined all all trust in this world for
claims ruined all trust in this world and claims i didn't how with your discrimination thing this
sexual harassment thing you started with oh he was stinky and nasty and said he wanted to give
me a massage and then after i pushed back on that you're like well no he also came up behind me and
grabbed my ass it's like you had to push the goal post because i was getting your original claim was
obviously nothing you've ruined drowning in student loans with massive interest rates i see
it on the show all the time people get a loan to advance their careers only to be left with sky
high interest rates and crazy minimums that leave their paycheck gutted maybe you've already gone to
a normal lender to try to refinance your private student loans and they looked at your less than
perfect credit score and hung up the phone maybe part of you even thought yeah that tracks i guess
i'm stuck stop it you don't deserve to be buried in a high interest loan for the rest of your life
because you hit a rough patch the banks aren't rejecting you because you're a lost cause they're
rejecting you because you're not profitable enough for them at a manageable rate that's where why
refi comes in why refi works specifically with borrowers who can't get refinancing through
traditional lenders it's their whole thing they refinance private student loans so you're only
paying interest between 0.1 percent and 5.99 percent and they legally cannot charge you more
than that they'll even customize your payments to get you out of debt at a pace that
works for you and if you need a co-borrower released from your loan they've got a program
for that too plus their team is in phoenix arizona so when you call them you talk to a real person
it only takes three minutes to check your rates and it doesn't impact your credit score if you've
been told no a million times try why refi head to why refi.com slash hammer that is y-r-e-f-y.com
slash hammer or call triple eight why refi 78 that is 888 why refi 78 break free from the high
interest trap and get your finances under control once and for all you suck with money so you down
load a budgeting app you start with the classic one wine app 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 gonna 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 of millions of dollars
of private equity raising so far but private equity doesn't have the best track record
when it comes to private data that's why i like 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 i've not even if what
even if he actually did that which would be very wrong and i would be against them and i'd beat his
ass for you you've made it so it's impossible to believe because you're over sensationalizers you're
moral masturbators you're weirdos that have ruined our culture online in our country not ruined our
culture with your claim of discrimination i didn't claim it yet on the show here you did and then you
said well because he was stinky and said when are you going to want to get a massage that's how you
opened when you want to get him when you want to get rubbed down which is weird but then you said
which is bad because he's stinky i didn't say it's bad because he's stinky that's what i said
anti-it like that's how you were kind of trying to paint the picture i was trying to paint the picture
okay that's how you're framing exactly that's what i'm saying that's how i'm saying but your attitude
of you being a guess what you're not a victim before filming this episode why were you
here at 8 a.m this morning because you got kicked out of your hotel that we sent you to
you little freak we sent everyone to like the same few hotels you're the first one to get kicked out
well i don't think other people are the problem so how are you the victim in that how are you the
victim in that let's hear at first you'd be like hey we just want to know if you can help us out because we had no hot water
we had no ac the microwave wasn't working comfort suites what and that's not where we sent you well
i didn't book it what are you talking about okay okay okay so you're being nice
well actually the water just wasn't hot enough it's not that it literally was not
working i tried it for 30 minutes but go ahead continue okay you are a goal post pusher the
moment you get any kind of pushback but go ahead well story changes at all times continue and then
he was how are you the victim in this yes let's learn we tell him what was going on was he stinky
and gross no but he was rude he immediately was like uh-uh no we're not doing for you
we already gave you the hotel the guy at the front desk is not saying that he didn't say but
like he still was just like we and this is why we can't believe anything this she is this is the
person on tick tock who is trying to cancel someone for like rubbing up against her in a
subway this is the person on reddit who is trying to hold everyone accountable this is the person
that has ruined all all things in our cancel culture there was a correction that happened
with cancel culture and it was good because many people were not being held accountable but it went
way too far with people like you who just claim victimhood on everything the moment you get push
back you have to make up better don't claim victimhood what that's all you've done for 22
minutes now but sometimes you know i am the victim i literally was sexually harassed and then i
literally had a manager that had to get out to get me and then now this guy was a complete dick to
you and then he actually really said nothing no he was rude what you just said he said nothing
he told me i was not allowed to talk the story is changing i'm gonna talk to my friend because
she's passive yes because you were probably being crazy absolutely that's a fair response
no i just said the f word i said we had no hot water oh come on if you're going down there that i
we don't have any that's not how i said it to him you're right you're probably a sassy even worse
no no no he was like actually i'm going to talk to your friend because you're being too much
well no it's because he tried saying that we act that the shower worked it didn't
work we had no hot water i don't believe you you've ruined all credibility that's why when
we when i went back to get my charger they were fixing the sink
or the faucet and the so why the did he kick you out because he wanted to because they were
probably fully booked and they wanted to fit in what was his reason okay i'm being told they
threatened to call the police they wouldn't threaten to call the police because you said
it is no no they would not say that see this is why i can't believe anything you say we don't
want to go get them there's cameras and that's why i can't believe anything you say they would
not threaten to call the police because you say we don't have any not water that would
happen in no real world would that happen well i guess we're not in the real world he gave you 30
minutes to leave threatened to call the police this would not happen if you just said a bad
word yeah it is though i said it twice should we call the hotel and ask i mean if you want
what would they say i don't know they probably would be confused
well they have weird shifts there i don't know i need to know exactly what hotel it was
it was comfort suites austin airport austin airport yeah because we're in austin
yeah this is not where we were by the airport yeah i know this is not where the hotel that you
said uh was expensive yes it's reimbursed yeah but you have to have them have to have the money
in your account to buy the ticket which i didn't we don't know if you guys are gonna because you
got sort of the least reliable people you can believe you guys don't answer your phone desk
and all other inquiries please press two
good morning thank you for calling comfort suites austin airport this is you now my ssq
hi tina are you working at the front desk yes sir hi tina there was an incident this morning with
uh they are guests on our financial audit show here in austin we put them up in comfort suites
airport they were kicked out and threatened to call the police on them i was wondering
if you could give me more information on that since that's where we booked them
the gm was trying to explain they were trying to get a comp night for the one they stayed
the first night because they didn't have no hot water so their shower wasn't working
we moved them as soon as we moved them maintenance went in to check uh that room that they were in
everything was working uh we did move them into a bearer suite uh and so they were trying to come
back or get a late checkout for tomorrow and my gm told him that was not possible and then her guests
had started talking and he asked her to hold on because he was speaking to i believe was the one
who made the reservation and her guess you saw language towards him several times and he asked
her to stop and she continued so he asked him to leave what was he did not want to
oh okay so she was being disruptive yes the guest okay well what kind of language was she using
was she being hostile towards she was she was she was uh i'm not i'm not sure i was here but i was
doing other stuff so but i know that was the altercation this morning
okay is uh is your co-worker okay
uh it was our gm that's your gm okay and he is yes he is fine okay anything else we should know
about this uh you know sir if you have any more questions you can call our gm he'll be back uh
here in a little while or first thing in the morning he went to another property oh okay
understood it was the gm wow okay the the the the call of the threatening to call the police is what
kind of concerned me here um why did it get pushed to such extreme level i'm wondering
yeah that's something you would have to ask him like i said i was here and that was kind of what
i heard going on but i was sitting at the other desk and you know i was here at the counter as
well but you know there was so much going on this morning okay so just confirming one more time
so they stayed there um and they were essentially trying to it sounds like rip the system a little
by trying to get the room comped that they were in because they were
completely out of control and they were completely out of control and they were completely out of
and then you guys went and found there's hot water and so you actually found out that they
were lying about that so that they could get a free stay and then they were we were moved them
to a bigger suite oh you moved them to an additional suite okay okay thank you for the
confirmation i really appreciate it you're not a victim you're a lying bitch and i don't believe
anything you've said about any allegations in the past about anyone around you you're a bad person
and no one believes anything because of night
has
like you i'm not a tad well i also heard you're kind of didn't you guys have like methadone on you
what or something like that no my security guard told me what no i'm just saying he told me it's
the first thing that first thing that happened when i walked in i'm not okay with that is not
in my bag that is not i'm not a okay okay i'm just saying i don't even know like i don't know
i'm just saying that's literally the first thing he told me when i walked in the door and then i
told brandon so like i wasn't making up that that happened i will
believe you that i will that's fine i'll believe you that that did not happen but uh i'm just saying
my security guard told me that okay so you lied to me which means i unfortunately can't believe
you're assaulting which unfortunately also means i can't believe you're harassing thing or you're
firing thing you are a liar don't believe you're the reason why people won't believe women you are
the reason yes do you not get this do you not understand this i've had this happen to me people
around me people
like you are horrible you've ruined it you have a slightly negative experience you're over
sensationalize it and you just can't handle sensitive you tried to get a free room they
moved you to a bigger better suite we tried getting the first night comp because i didn't
have a hot water take a shower and then they went there and they proved that it was wrong and they
put you guys in a bigger suite anyway you guys are trying to milk the system and get some free
money disgusting degenerate piece of shit they're annoying i'm annoying because you got called
on your shit for the first time in your life no yes the first time so you probably deserve to get
fired you probably were not harassed no one believes you and unfortunately no one believes
anyone anymore because of people like you you've read it tiktok brain freak you're a piece of
disgusting shit so i'm glad you got fired i'm glad you don't have money to pay you're a bad person
so you're gonna make three thousand dollars a month now how are you gonna do that your little
clients your little clients a little freelancing but you haven't made a penny you haven't made a
penny where's your penny where's your money how are you gonna make three thousand you don't have
a plan where's your plan i do have a plan i can make three thousand dollars a month
i can go to their house they can come to my house i have my tools
that's it you have no do you have anything on the books yeah anything on the clients on the books
okay but i'm being told you're planning on moving to new jersey immediately anyway so how the
you're gonna you're not taking your colorado clients there no i mean some of them won't come
out there no they know they will not for a barbarous appointment no okay no they won't
no one's going a couple of my clients would
why just because they love me you're delusional i'm delusional yes you're delusional that's why
they're texting me asking where i'm going how how you know all that stuff okay because they probably
want you back to get the haircut i could believe that but they're not gonna fly into new jersey for
a haircut i didn't say all of them were but one or two would do they get anything on the side no
then why would they it makes no sense as a haircut haircut
yeah why are you moving anyway you don't have money to move how are you gonna move you don't
you're not gonna afford to move are you gonna have what are you gonna i have my taxes i have
don't you have to get like a new license over there i already did okay so your taxes how much
did you get um in total it'll be like four thousand how much is left how'd you even get
that back why why why that's tax there's no tax on tips they had like the deduction
what did you claim your tips did you pay money for your tips tips i claim okay
so it was automatically withheld from your tips that's why four thousand back four thousand's just
a lot what the okay i mean for what it's worth you're in the body bottom 50 percent of earners
and the bottom 50 percent of earners only contribute one percent to the federal income
taxes so we do have the most progressive income tax structure in the federal government in the
western world so we're essentially redistributing wealth to you you're welcome i just wrote a big
check congratulations thanks yeah so with that you
gonna get a job in jersey then so that's how we're gonna pay off our debt you're getting a job in
jersey yeah i mean it costs a living and um what about cost of living new jersey is more expensive
no it's about the same in colorado yeah colorado is expensive it is but the east coast is like
besides like literally it's literally around the same my best friend lives in new jersey
where new jersey uh wanna queue ish do you need help spelling yes w-a-n
a-q-u-e i think i'm dyslexic so you're asking the wrong person for spelling okay well let me pull up
some data on that but oh but you just got an email yesterday saying that you're not able to get
rehired at any location due to the nature of your separation but oh shit so this is a chain
and you were gonna try to go with oh when i was working you deserve it you deserve it you're a
yes absolutely what's this chain doesn't matter anyway you're not going back what's the chain
scissors and scotch what i've never heard of this in my life i know i've just never heard of it oh
um they cut hair and they have a bar okay no uh so denver is 10 above national average
the wanna queue is 29 above national average no it's it's 15 higher but when you actually
have somebody that lives there they can kind of that doesn't change they can tell you how
much rent is i go there all the time so i know how much groceries are guys because she knows
one someone the statistics are just incorrect that's actually that's just how it goes that's
how it works it's a 15 she's live data though what did you use your chat gpt that you're a
search engine yes we searched i searched you're too because what you're just using ai what are
you as a search engine not a real human that lives there you're using an anecdotal example
versus where it put let's see where it got the data from okay this came from best place
is.net where does bestplaces.net take aggregate their data i don't know i'm asking in general i
also but she lives there and her rent is about the same as mine groceries are about apartments.com
and redfin but she literally property tax organization oh and the census bureau you
know i'd say census.gov is pretty good at that so actually it's confirmed by multiple choice
uh it depends on where you're at and i did the metros for both of them i did the metros
can depend a little bit more than where at where it's at but it is 15 higher cost of living time
she said with no job lined up i could find a job anywhere no you can't you actually just got told
you're not going to be hired from those chains so and like wait oh okay i read that wrong yeah
the company got fired from his multiple locations i read it he got fired multiple times no okay so
yeah you're gonna transfer salon but you're not doing that because they're not taking you back
because you're impossible to work with that was before i thought about new jersey
that was a different state but i have so what's your plan for new jersey please tell me so tax
return you got four thousand yeah how much is left um three wow that's going very quick
in a matter of like a week well i had to pay well it's probably less than that because i had to pay
rent less than that so what is it two two fifty twenty five hundred or two twenty five hundred
okay at that rate that will be gone in about a week and a half so you're yeah maybe i'm no yeah
so what's your plan what's your grand cross-country
i have a finesser huh i have simps that just like giving me oh my why is it the ugliest people that
get the most money it makes no sense this happens every i mean come on yes okay come on yes okay
which honestly again i know i'm like i mean i'm i'm large so it's just i'm not a 10 out of 10
either but following the logic of the show that actually means i could make the most amount of
money via people in austin and yeah i'm not ugly austin's one of the youngest cities actually
stunning beautiful i don't think so okay but that's because you look in the mirror with that
haircut and think it's good so yes we're not battling you as a source your haircut looks
stupid too are you 14 with your broccoli top is it a broccoli tops like this i just have a little
curl here i cut exactly and you're 14 year olds are perming their hair well you know do you want
to know the lore behind the perm i'll tell you the people behind the people well people think
it is weird validly that i perm it's because i was dared to do a perm
yeah i was dared to do a perm
- You were there and you kept up with it?
- So I was there to do a perm for the first time.
So I did it.
The week after I did the perm is when I recorded my first YouTube video,
so it just kind of cemented that as my hairstyle.
So I'm just like, ah, shit, I'm locked in.
Plus, it's so much easier than styling your hair.
Just go boop.
So, okay, you're somehow simping, which by, again, that logic,
I guess I could make a shit ton of money.
I don't really understand it.
It kind of just depends on what I need and how much.
I don't even have to do anything.
They just want to talk to me.
You know, also, we're not considering your opinion
on what people look like valid.
Okay, I'm not taking your opinion.
Because your eyesight's fucked, man.
Yeah, I'm wearing contacts.
You see, like, 10 people at once looking in 50 different directions.
Okay.
That shit's going to be on the back of your head before the year's done.
Yep, and then, yeah.
That shit's traveling.
So either way, how much are you making from these sugar daddies,
of which I'm sure you provide sugar for?
I actually don't.
They're not sugar daddies because they're, like, my age.
Fine.
Very good.
How much by making them come?
If they come on their own,
that doesn't make me a bum.
They're in their room, gooning.
Oh, so it's for images?
Not all the time.
Sometimes it's just to talk to me.
I literally have a guy that's like,
Congratulations, you're paying for fake tits and a dick.
Some guys like that.
Some guys like that.
What can I say?
That's fair.
And you like saggy titties and men, too.
No, I like them perky, but real.
Okay.
Wait, and what?
And guys?
No, I'm not.
I'm not into guys, but I appreciate it.
Yes, I am sure.
I know.
It's the meme.
It's the financial out of me.
I think it's the fact that you tell everybody
that you f***ed dudes in high school or college.
Okay, one, I've never said that,
but I thought I was bi in high school and early college.
Never said what you said.
You didn't f*** them.
You were the bottom.
I got it.
No, and also never did that,
but I appreciate it,
and it doesn't matter either way.
Okay.
Either way, it doesn't matter
how much you're making from the sugar
because that's all there is.
Right now, that's all there is.
That and me redistributing my wealth to you.
I suppose.
I suppose.
Yeah, so how much are you making from the sugar?
Come on.
I just told you it depends on how much I need.
Average.
On average, like a grand.
So what's your cross-country plan?
Because you're not getting there at this rate.
You're blowing through a grand and a half a week.
I'm going to start freelancing,
taking my clients here,
saving up money,
then I'm going to go move to Jersey.
So when are you moving then?
I haven't made that decision yet.
Oh, f*** yourself.
Because you haven't made a penny freelancing yet,
so you haven't proved it.
You haven't proved the model.
Well, I've thought about just breaking my lease
and going to. To hang out with. Because my friend said I could stay on her couch
for three months to get, you know, income in Jersey.
Well, is that going to be. Is it going to be free?
But you don't even know when you're going to move there.
I just said that she would let me crash on her couch.
You don't even know you're going to move there.
Yeah, well, like. When?
You don't.
So it's difficult.
You know, I could break my lease and go tomorrow.
Break your lease?
Where do you have the money to break your lease?
It usually costs like a couple months of rent.
I just told you I'm a finesser.
I have sense.
No, yeah, but that's. What's your rent?
$1,600.
Dude, that's. That's going to cost like maybe like $4,000, $4,500
to break your lease.
Okay, well, I mean. You simped for $1,000 a month.
I didn't say a month.
Yes, you did.
I said each time.
What?
$1,000 for a couple pictures?
I didn't even. I didn't say pictures.
What do they give for $1,000?
Come on, be honest.
It really depends.
I literally have guys that will just send me
like $100 for breakfast and not talk to me.
$100, not $1,000.
That's why I said it.
Depends.
You said each time.
When you get $1,000, what have you done for that?
Asked for it.
That doesn't make sense.
You know, sometimes I'm just. So you can get $4,500 today.
Sometimes I spend money elsewhere and I over. How are you finding them?
These pathetic worms.
They just come up to me.
Sometimes they're at the bars.
Incorrect.
What do you mean incorrect?
That doesn't happen.
It doesn't happen?
No.
Guys don't approach me at bars?
You, correct.
Okay, got it.
That's who paid for this pedicure.
Don't look at my feet.
Yeah.
You didn't pay for that?
I don't know.
I didn't ask.
He paid for it.
Fine.
Ask one of them for $500 right now.
Let's see if you get it by the time this episode ends.
Okay.
Yeah, 500 bucks.
Hey, baby.
Need some money.
However you do it.
I don't know.
June 1st, I'm launching the Hammerleaf app.
Exclusive dedicated shows every single day, Monday through Saturday.
And to celebrate the app launch,
I'm offering 30% off the annual plan in the month of June only.
Plus, I have an exclusive. Exclusive offer just for you.
But limited to the first 1,000 people to purchase.
For a one-time payment of $500,
you'll get our entire Hammer Elite catalog for life.
And a limited edition Hammer for Life box packed
with merch you can't get anywhere else.
You'll get a limited edition Caleb Hammer commemorative coin,
a budget planner notebook,
a Caleb Hammer credit card skin,
Caleb Hammer emoji stickers,
a limited edition Caleb Hammer plushie,
a limited edition Hammer Elite mug,
a limited edition Hammer Elite hat,
all packed inside a custom merch box.
Once all 1,000 boxes. are gone, this offer is gone forever.
Join the waitlist by using the link in the description
or pinned comment down below.
So mark your calendar.
June 1st, this is the best membership you'll ever join.
That's kind of f***ing stupid, I'll be honest.
But what's not is actually getting a checking account
that gives you free money.
Free money.
We like free money.
You can get up to $200 in bonus cash right now
when you sign up for the checking account that I use, Chime.
Also, it makes your savings grow at a 3.5 AP,
PY interest rate.
Guys, you can watch Financial Audit
and get free money at the same time.
Who would have thought?
That's incredible.
Check it out.
Link in the description below.
Yeah, I want to see this.
I want to see it.
What?
I want to see that message.
Oh.
I'm looking at this chat,
and I might regret it in many ways, unfortunately.
But for you, my content friends out there.
Hey.
Could you help me?
Could you help me out here and send me like $500?
Okay, I'm pushing send.
Okay.
Good?
Wait, how do I?
Don't scroll up if you don't want to see anything.
No, no, no.
I just, okay.
Okay, but let's just see general chat.
Okay.
Okay, safe, safe, safe.
Safe, safe, safe.
Good.
Okay.
Got a client at two.
I need to get ready.
The near downtown, giving myself the time to drive.
Let me know what happens, and I'll hop in the shower.
On my way.
Okay, so you f*** him for the money.
No, I don't.
I don't f*** him.
We literally just hung out and smoked a blunt.
Oh, shit.
I'll open the door, run up and shower.
Why are we all showering then?
I'm not showering.
An Uber to you?
Okay, BB, I'm hoping, anyway, I'm already just got here.
And he was also somebody that I actually gave a chance to, and he.
So you have f***ed?
Have you f***ed?
I can't, no.
Okay, well, here's the conversation for the money.
Okay, hold on.
What is this?
What?
There is a picture.
What?
I sent.
It was this.
It was a picture of me, and she said,
This f***, LOL.
Excuse me?
He asked me who I was watching.
What?
Absolutely excuse me right now, thank you.
I forgot that was there.
Okay, see, I know you're a f***ing liar.
Do you sell pics?
Haha, I mean, I have guys try to get at me,
but I don't begin.
I'm giving them the time of the day, so, yes, I do, you said.
And, I mean, I have, you also said.
Haha, interesting.
Thank you so much for giving me the time of day.
I actually care about you.
Also, pictures aren't prostitution.
Nothing will truly come from this unless we both make some serious changes.
And he's like, yeah, I'm a swinger.
Yeah.
So I'd want to do threesomes.
I'll do 300 if you come over, and 100 if you do tomorrow.
And I didn't do that.
Yes, you did, because he said the money, and you did go over.
But not no weird threesomes.
Oh, my goodness.
Wait, what's this?
But, yeah, it was a nice night, even the sexual part.
You f***ing liar.
You f***ing liar.
This is why I go through the text, ladies and gentlemen.
This is why I go through the text.
But this is also a dude that I actually wanted a relationship with.
But because he's into open relationships.
Oh, you also said, yes, you f*** others, often, and have other sims.
I didn't say I f***ed often.
Yes, you did.
It's here.
Often's not there.
He responded.
Let's see.
Are we getting $500, ladies and gentlemen, or not?
He said, ha, ha, ha, ha, f*** what's going on?
Just so I can pay a bill that's hitting later today.
Babe.
Yeah, that's fine.
Like I said, he was somebody that actually wanted a relationship.
I'll keep monitoring this.
He was somebody that I actually wanted a relationship with.
Yeah, and he wants to suck your d***.
Well, that's what you do in relationships.
You have sex.
For money.
No, but, like, you have sex with your girlfriend.
Right.
If she was down bad, wouldn't you give her a little money?
Uh, no.
The way.
F*** her.
She can be responsible.
She's figuring her s*** out.
Oh, maybe I'm figuring my s*** out.
I give my girlfriend gifts, but right now she's figuring out her income situation even better.
These are gifts.
No, not like eBay gifts, though.
So let's get into these finances, then.
Let's get into the numbers, because now I understand we're coming from a place of you make $0, you're blowing through all your money, you suck d*** for some money, or get your d*** sucked for money.
It's weird.
You plan on moving.
You plan on moving across the country.
You have no idea how to do it.
If they just want to give me money, that's, who cares?
Shut the f*** up.
Come on.
You guys talked about how you were f***ing sucking.
Shut up.
I know how it worked.
But even without that, what?
What, what?
Do you think your financial score is 0 to 10, 0 being the worst, 10 being the best?
Um, your little thing said.
Little thing, the website, yes.
Yeah, it said 2.5.
Very good.
If you want the little thing, you can get it for free at calebhammer.com.
That is your hammer financial score.
Take the assessment.
It is free.
free.
It just takes a few minutes, and you can see where he's standing in the world of money.
And if you don't want to be like a guest who ends up on this show,
one, don't transition.
Two, or you can if you want.
You can budget your transition by downloading Dollar Wise.
Take the free trial, see if it works for you.
Connect automatic account connections.
It's incredible.
Most people take the annual version because it saves a lot of money.
And when you do, I will personally sign our 30-day detailed meal plan
and mail it directly to you.
This meal plan is incredible.
It comes with a digital version of the cookbook as well.
Why'd you tell that?
So it's yours.
So you can meal prep now.
You got all the meal plans.
You can meal prep every single day.
No more excuses.
Okay, so again, like I said at the beginning of this conversation,
you had a fee that immediately charged because you didn't pay your card.
You pathetic creature.
What is wrong with you?
Why are you not paying your fucking card?
It was a $25 minimum monthly payment.
You couldn't even do that.
I forgot.
$32.
I forgot.
Automatic.
Automatic.
Because I'm not using it.
Well, I don't like automatic.
Automatic.
Okay, because why?
Well, guess what?
It loves you because you're fucking missing it.
If it comes out and I don't have the money in there,
it gets taken out anyway.
Then I get charged an extra $30.
Okay, well, that just happened anyway because you didn't pay it on time.
I meant on my checking account.
Okay, well, now it's happening in your credit card.
It's hitting it somewhere.
Well, why would it hit two places?
Well, it wouldn't because you would have paid it.
But either way, by overdrafting.
Not that I'm advocating for that.
Trust me.
But, okay, so you owe $468.48.
What's going on with this card?
Well,
there was a time where I couldn't get credit cards for a while.
Good.
You shouldn't.
And then I got my credit to a reasonable standpoint
and Credit Karma kept saying,
oh, you can get approved for all these credit cards.
So I just decided to try since before that I got a loan.
You're hitting them all.
I like all these things.
I like personal loans.
I like credit cards.
We have a credit card matcher
and an application thing on CalebPammer.com.
Same with personal loans because they're great.
I love them.
I use them.
People should.
You can't because you don't know how to manage your shit.
It's for people who know how to.
You can't.
I mean, duh.
So what did you do with the loan?
Duh, I got a nose job.
I couldn't tell.
Thank God.
What the did your nose look like before?
Um.
Because we got like a Michael Jackson thing going on.
No, you can see my nose.
I still have one.
Um.
Uh.
It was very much a traditional like, you know.
Cherokee nose.
That's horrible.
Not a normal nose.
I mean, so now I understand why you think I look super white because I just.
Well, and also just like your skin color.
Oh, yeah.
Okay.
So you took out the loan for a nose?
Yeah.
Thought it was to pay off the credit card.
I thought that's where you were going with that.
No.
What did you rack up?
You just opened this card last year through the credit card month.
I was saying that that's what made me realize that I can get credit cards again.
Oh, for fuck's sake.
Why?
Because you were able to get the personal loan for the nose, so you're like, I can get
credit cards?
Yeah.
Oh, for fuck's sake.
I guess the only way I could get that loan was putting it.
What are we doing?
Okay.
So what did you rack up this credit card with in less than a fucking year?
I don't know.
Sometimes DoorDash.
Sometimes the bar.
Sometimes.
Sometimes I'd buy like stuff on Whatnot.
Whatnot.
What's Whatnot?
I've heard of Whatnot.
We've had Whatnot before.
What is it?
Yeah.
It's like the auction app thing.
Yeah.
What are you auctioning?
I don't auction anything.
I'm buying.
What are you buying in auction?
Bratz dolls.
I fell down a little boo-boo hole for a while.
Little boo-boo over me.
I know.
I did.
But you fell off because everyone didn't.
I did.
What's Bratz?
I think I've heard of Bratz.
I have one.
Oh, of course you do.
Everyone always brings their fucking collectible special little thing.
I collect them.
Oh, that's Bratz.
I know Bratz.
Yeah.
Bratz is like OG.
Yeah.
She's from 2003.
Oh, you're breaking it.
No, it's Sam.
Why the fuck are you collecting this shit?
It's not great.
It's not great.
Because it's a good investment.
No.
I'm creating generational wealth.
Dude, you're generationally in debt.
Do you realize how much some of these cost?
Well, tell me.
How much does it cost?
Well, she's a little on the cheaper side, but I have dolls in my collection that can
go up to like $700.
Sell them.
Please, please, please, please, please.
No.
Why would I sell them?
I guess you probably shouldn't before you change your behavior, or else you'll end up
in the same situation again just like the person along.
I would just buy more.
The only times I sell dolls for my collection is that I buy them.
So you're saying if we get this credit card paid off and you move across the country,
all your money will just go to rack up the credit cards against some Brad dolls?
Maybe.
Then what are we doing?
What's the point?
What are you trying to do?
What do you want for your life?
You're a literal pathetic failure that blames everything on everything around you.
I'm trying to move out of Colorado.
Why?
Why do you have to move out of Colorado?
Because it sucks.
It's dry there.
People there are boring.
They're just granola.
Okay.
Sure.
Fair enough.
I can go on.
I don't hike and I don't ski.
So what's the point?
Fair enough.
I can go on.
I can go on.
So what's the point?
Fair enough.
Okay.
That's fine.
I got you.
I got you.
Okay.
So you're trying to move back to Jersey, everyone's favorite state.
The food's good.
My best friend's there.
Best friend.
There's he goes.
That's a good reason.
So, okay.
But what are we trying to do though?
Because if we're just paying off debt so you can buy Brad dolls again, it's like,
is that what I'm enabling?
Is that what I'm helping here?
No.
I really want to move.
I do want to focus on that.
I really want to do that.
I want, you know, I do want to like focus on that, but I also want to have fun.
That's it.
This entire thing is for a move.
Yeah.
Do you have to move furniture?
What are we doing?
No.
Because moving's expensive cross country if you want to take everything.
If I was to move, I would just like put everything in my Jeep and-
So what are we doing?
What am I trying to do for you?
What's the productive thing here?
Help me out with my finances.
So you can-
Move to New Jersey.
Just to move.
That's it.
After you move, your life is done.
Apparently now I need a-
Something to do with my eyelids.
So, surgery?
I don't think they can move an eye.
That's the first.
What?
Let me see.
He asked.
He asked if he can-
He asked if she can pay him back.
Well, you know, he's been going through a lot right now.
And he's waiting on-
He just got a new job.
And he's waiting on like that money to kind of take into effect.
You know what I mean?
I know that.
Okay.
Let me try to manipulate.
Yeah.
That's usually what I do sometimes.
Yes.
That's why I'm imitating.
Okay.
So, this card.
I mean, I'm being told you probably just racked it up in weed and shit, which kind of correlates
with your DoorDash bullshit.
Well, I don't think you can-
Well, I don't think you can-
Can you pull cash out on weed?
Or on credit cards?
Well, I mean, you could cash out.
Do a-
Fuck.
What am I thinking of?
Cash advance.
But, no.
That's probably not it.
Okay.
Yeah.
Missed immediately.
And you got interest accruing.
But even still, probably playing sitting up and then ordering DoorDash.
Let's continue, though.
Credit one.
You know if you have credit one, you have like the worst credit ever because it's like
the worst credit card you can get.
It's horrible.
I didn't know that until I started watching your show.
I thought it was-
You still got it.
I thought it was Capital One.
I had it-
I got it after watching your show.
That's what they think.
That's what everyone thinks.
It looks like Capital One in the mail.
They get it.
And then it's Credit One.
It's horrible.
And then you partner.
You-
I don't know.
$492.34.
So maxed out.
No!
I'm going to max out!
Credit limit's $300!
How do you owe $500 on a $300 card?
The is your-
Your past due multiple months already.
What the?
What are we doing?
What are we doing?
What the are we doing?
You're only two months behind.
Now you owe a third month coming up.
$69 a month is owed.
Yeah, I'm pretty-
Why?
Why can't you at least just pay a $60 payment because you weren't unemployed until a week
ago?
Well, because sometimes I just-
I just forget or I don't want to.
No.
No.
There you go.
It's not wanting to.
You know.
Because you're not forgetting for three months.
Pathetic.
Well-
What are we doing?
Sometimes I don't have the extra money or I have to pay a different bill and some bills
are more important.
Like rent.
My car.
Sure, but this is $30.
And you're- you told me- you made it sound like you were at least making good money.
I was.
I made-
Then that wouldn't have made us-
I made 60 grand last year.
Then why couldn't-
Why couldn't you make a payment?
A $60 payment?
Because I buy things.
There you go.
I want to have fun.
Because you're prioritizing fun.
What you want-
Yeah, but we're not promised tomorrow.
Why should I pay- have to worry about all that?
You're not promised tomorrow, no.
But on the higher statistical likelihood chance that you will be here tomorrow, set yourself
up for a better life and success.
Oh yeah.
Because if you die, you won't know you didn't have fun anyway.
So it doesn't matter.
I had fun.
I know.
That's what I'm saying.
I had fun.
I know.
But if you died, you won't even know.
How do you know?
Huh?
We don't know what happens after life.
Okay.
Well, let's- well, let's go with most religious perspectives anyway and say you go to some
kind of heaven.
Yeah, you're a Christian.
Doesn't matter.
You'll be having a great time.
So who cares if you were struggling a little here?
Exactly.
That's my thought process.
No, no.
It doesn't matter if you would have sacrificed because you're having a great time up there
anyway.
Why can't I do both?
So sacrifice- statistical likelihood is you're going to live a long life.
Oh.
So sacrifice for it.
What?
Huh?
What?
What, what?
What?
Is there something I don't know?
Are you going to die?
You got.
What do you got going on?
I don't know.
Oh, I was just saying you don't know.
Then you're probably fine.
Okay.
I mean, you might get shot at a bar because you're always up in people's faces
being insane.
Yeah.
That's why I want to, like, conceal Carrie.
Yeah, maybe.
I don't know.
I don't know how things work in Jersey.
But listen, I mean, you're blaming- with Lindsay, you're blaming this on credit karma.
Then you kind of started that- started setting that up with me.
The thing is you blame everyone for everything except for you.
Well, I don't know if you know, but your videos have Credit One ads.
Yeah.
I- that's not me.
I'm not putting the Credit One ad in there.
I know you're not, but somebody is, and that's kind of bad.
And credit cards are good, though.
Credit One's not-
Not Credit One.
Not Credit One.
Credit cards are good, though.
Because-
They're money?
everything, if you can actually manage it, if you're a
credit card person, but you're not. I tried.
You didn't try, because you're not
paying the $30 payment. This one's
not maxed out.
Okay, let's see.
We got a Snapchat.
I don't know. I think that's another guy.
Another sugar daddy, maybe?
I don't know. A guy with a beard is what it looks like.
I can't see without you unlocking it. It doesn't matter.
All I care about is the one guy. Okay.
So, concealed carry.
Well, you said it might get shot, so
if I have a gun. That's expensive
too. I haven't looked into it.
Okay.
I mean, I. Date guys with guns.
I can't say it.
They want me to say it. I'm not
going to say it. They want me to talk about. They want me to be
nervous with a trans person
getting a gun in 2026. I'm not.
It's not happening. I'm not going to be shooting up
any schools. Okay, well, that didn't make me
confident. Now I am nervous. Or purchase
shows. Now I am nervous. I voted. Now I'm very nervous.
Shit. Okay. I'm not going to shoot up
schools because I voted for Donald Trump.
Okay.
So why would I be one of those
trannies that shoot up schools?
I don't know. I think people just shoot up schools.
People just shoot up schools, right? And usually
they're the ones that like women.
Like the trans women
that like. You're right. That's right. You get guys
to suck your dick. That's true.
I mean, you get girls to suck yours.
Huh? You get girls
to suck yours. I think that's considered
pretty standard.
Some people don't want standard.
Okay. I wasn't criticizing.
I wasn't criticizing you either.
Okay. I don't understand the point
of that. What? Everyone likes sex.
Yes. Everyone likes sex.
$69 is your now minimum monthly payment.
It's probably normally $30, but again, you're multiple
months late behind. $40
late fees stacking like crazy.
This is insane. Oh, it's actually been closed
because of how past you are. So you can't even spend
on it if you go, if you even pay it down.
You can't.
Which is good.
You shouldn't have access to this. You're not a
credit card person. Again, for those who are,
you can figure out what credit cards
work for you at CalebHammer.com.
Check that out, but you're not, so you
shouldn't fill that out. Honestly, what really
happened is my car got totaled. I feel
like that's worthy state.
So if we did sell your big collection, how much
would that be worth? What's your
collection worth? My car? What?
Your collection of these things. Oh.
If I sold it all together,
probably like
$10,000. Dude, you could change your life.
But if I sold them separately. How much have you spent on tattoos?
Oh, I don't know.
$20,000, $50,000.
What?
No f***ing way. What is wrong with
people like you? You guys are just so fucked, man.
I've been getting tattoos since I was 16.
And then,
I don't, I don't know.
I just get tattoos when you live at home.
How much does your transition shit cost?
Hormones?
Yes, how much does it
cost? Well, I just got,
back on Medicaid, so it's free. Hormones, but no, no, no.
You got tits as well. Those were free.
You did your nails. Those were free.
Why? Because my body is priceless.
No, how was it free?
Oh, uh, Colorado taxpayers.
Yeah.
Not federal, right? Just Colorado?
I don't, I don't. I hope that, because I just wrote
a $4 million check the other day to the IRS.
If that's paying for literal titties,
what are we doing? I don't, this was years ago, this was years ago.
I have nothing wrong with trans, but why am I paying for
people's boob jobs? No, don't get me wrong.
I don't think it should happen either, but I did
abuse the system. Because why would
I pay for it if I can get it for free?
The government, the
taxpayers paid for your tits? I mean, I pay taxes
too, so. No, you're not
an ad contributor. No, we just
sent you $4,000 back. Especially with your
no tax on tip thing, and the majority is tip.
It's honestly, it's just,
I'm not in favor of the no taxes on
tip thing. It's so stupid. You already
contribute nothing, and we're, it's just
more populist policy. No, you're right.
We should just be getting paid a normal wage
so we shouldn't have to get tits. That's fine too,
but advocate for that. It's just so stupid. It's just
another, it's just a performative policy.
And that's why both parties are on it, because
populism is winning right now, and it's just
it's so stupid. It's like you already
don't contribute anything. You're a part of the
I do contribute stuff. No, you're
a part of the 50% that contribute 1%.
It's nothing. It's a drop in the bucket.
I don't know what that means. If it was gone, nothing would
change. It's just we give everything
to you. Now we pay for your boobs. What else
do we pay for? What else do we pay? Do we pay
for your hormones? No, I pay for those.
Okay. There's no health
insurance pays for them? I mean,
yeah, now, but I didn't have
health insurance for a while. We all pay into the higher
cost of health insurance. What about the nose job?
I paid for it, and I
don't consider that part of my transition.
Oh, no? It wasn't gender affirming?
No, not really. Is there any other
gender? For me, I feel like I've always been
confident in who I am. Well, it's taken
a minute, but like. Is there any more
gender affirming surgeries you've done?
I'd be like, have done?
No. Any more that you want
to do? Yeah, I've thought about it. What?
Maybe another boob job.
Are we going to pay for that one, too?
No. Why? I
had to be on hormones for like two
years, and then at that two years, they
would
see how big my breast tissue grew,
and it was an A cup. The government was
tracking this? Yeah, because
if you. Oh,
my goodness. If your breast developed. This show's
turning me into a libertarian. I'm ready to
cut everything by 90%.
Honestly, this is crazy. I agree.
This is insane. I agree. I don't
actually agree with that, but what the
f***? Because I know we're getting the worst of the worst on this show,
so I get it, but this is like, what the f***?
What the f*** are we doing
here, man? What the f***?
If you get bigger than
like a B or bigger, they
won't pay for it, but because I'm a skinny
legend, I only got
like an A. You're welcome for the taxes,
America. You're paying in
foreign ship. Oh, that's probably Bratstalls.
Starbucks is
bullshit.
Bulls*** and a waste of money, and
you already know that by making your
coffee at home and investing
the rest. So now, you
need to do that with your energy
drink as well. Make GamerSubs
at home for just 40 cents
a serving. And honestly, it literally
tastes better. And we proved this accidentally
via a blind taste test in
our Hammer Elite show, Fat and Fatter.
The number one ranked energy
drink is GamerSubs. Oh, literally
the cherry flavor is
insane. Listen, you can also get free
samples to see if you like it, or
10% off your order at
GamerSubs.gg, or click that
link in the description below. Type in code
Caleb. Stop bleeding
out money making minimum
payments across multiple high-interest accounts.
Most Americans are spending hundreds,
sometimes thousands of dollars that could be
going toward actually paying down
debt instead of aligning some
bank's pockets. And look, if you're
sitting on high-interest credit card debt,
a car loan at 18%, or
oh my goodness, a pay
day loan charging you triple
digit interest rates,
you need to hear this. If you've already
cut up the cards and built better financial
habits, but you're still drowning in
interest payments, barely making progress,
this is for you. I have opened
my very own marketplace,
a personal loan marketplace that lets
you get personalized offers
from multiple lenders in one
place. You can see if you pre-qualify
in minutes, and it won't
impact your credit score. But here's the deal,
this isn't a magic bullet. If you
refinance your debt but keep swiping,
you're just making the problem worse.
You still need to fix the behavior
that screwed you in the first place.
But if you're serious about getting out of debt
faster, you could potentially lower
your monthly payment by securing
a single payment at a much better
rate. Check out the link in the description below
to see your personalized offers, or go to
calebhammer.com. And remember, you still
gotta do the work.
You're paying for the Bratz dolls? What the f**k is wrong with you?
I told you some of them are like $100
or more. How often are you Bratzed?
I don't know. It depends
on my mood. If I'm
in a bad mood, sometimes I'll just buy one.
You're broken, man.
I know. Man, I meant gender neutral.
I know. Dude, man,
they're all gender neutrals.
I'm not offended. I'm a respectful
guy.
Right? A little.
Oh, come on.
I'm respectful. Yeah. Okay, I just
did the one bad thing, but I didn't know it was a bad thing.
That's why I said a little.
You're respectful.
I'm a good guy. I just yell and make
mean comments. All right.
Update.
I'm pretty sure
he knows I'm here, too. Oh, let's just see.
What did he say?
I was trying to manipulate him. Let's see.
By the way, what I said is, I thought you liked me, dot, dot, dot.
Yeah, he said he does,
but that's a wild request.
Let me see. I'll
manage this. Thank you.
Ha, ha, ha. I do, but that's a wild
request. Because I think that's like,
he literally,
he just gave me almost
$400 the other day, so I think that's
kind of why. I mean,
if you look, the $300 that he sent me
was literally like. I'm manipulating.
Okay, give me more money. I'm not complaining.
I'm just letting you know
that literally Saturday, he gave
me $300.
Okay, I sent three texts.
So you don't care if my bill fails
while I'm stuck in Texas, dot, dot, dot?
Next message, I don't know. I thought you
were different. Next message, never mind.
Manipulation?
You're a little bit meaner than I am, but. I'm pulling out cunt for this.
Yeah. Okay, so
what even is. Oh, so that's for the Brad doll.
Okay. Not this one. Tuck it up. What's that?
I mean, that sounds like, okay, you're hiding
the dick, trans things, right?
Tuck it up? Oh, yeah, they're really cute
thongs.
It matches my pants.
Please, stop.
Stop what? I don't want to imagine
a woman's penis. I don't
know. Those words just come out of my mouth.
I guess so.
- Are you afraid mine spins?
uh no if you were like tall skinny white like yes because the biggest dicks i've ever seen in
the locker room of like swim team and how many dicks are you looking at everyone okay for what
it's worth the swim team in high school i don't know if you want to say this i i do i don't you
think i give a the swim team in high school is those guys they were just none of them were gay
but they were the gayest motherfuckers i've ever met men are the gayest men i know and the swim
team locker room yes so the tallest skinniest white men are especially the nerdy ones they can
they can like wrap that shit around the throat and choke a bitch that shit is huge intimidating
scary but you are not that person so i'm not afraid okay so no i do not have that fear
uh okay uh the the trans shit is 32.49 it's one more payment and it's done i'll just call it trans
trans dick okay trans dick 32 dollars uh okay and then what is this this what is this forest
ink you're paying for my pants i had to buy for the show you had to buy for the show yeah because
the show that does not feature pants well you can see people sitting all right it's tucked up
what do you mean that bitch you can't see shit exactly the tuck the tuck it up worked it's gone
i guess i shouldn't be that afraid of that well 57.89
you can let me know if you want to see it no thank you i've moved on from that it's not college
anymore it is not college anymore very distant okay you are 35 oh one yep how's it feel fine
okay 29 soon i'm 57.89 with the 28 dollar 30 94 cent minimum repayment okay
no no no no it's it's much more due than that actually let me see what's the bounced
okay yo these i mean this is small debts which is really stupid because you could wipe all of
these out and get this massive risk from all from over your head i was going to until i got fired
no but then you shouldn't be going you didn't have an emergency fund anyway so you shouldn't
be going into debt regardless because now this is risk holding over your head listen you're gonna
have a hard time getting a job probably because you're but regardless i'll get you a course career
certification you can get that in the trades you can get it in tech you can get in whatever
um a lot of people in the audience have taken those and converted them into six-figure pay
raises or jobs so i got you with that i have thought about leaving the industry you probably
should because you're not a people person well that's why i work at a barbershop because i can't
deal with yeah definitely don't deal with people you're retarded you can shoot the shit more with
yeah and then you got fired 25,000 women so obviously she can't hang 25 after you were
you owe 25 you owe 25,000 dollars 738 25,783 dollars 68 cents at a 20 interest rate on
something i don't know what i think this is a car loan i don't know what that is what is do you have
a 20 car loan of 25,000 dollars is that my jeep yeah no here he is let's see this is insane
this is insane a 20 car loan i haven't seen in like a year on this show what the
is wrong with you you're the worst let me see he said what the lol you gotta be a little nicer to
him he's going through it he says i have bills and a whole kid he has a kid and he's your dick
is going under there he's sucking your dick he's sucking his dick you gotta be nicer to him so he
said what the lol i have bills and a whole kid and why are you in texas i said for the
show sorry for being mean babe i'm just stressing i really want to blow you when i get back oh my god
do not say that part but i really need this can you please help me out love oh you said it anyway
i don't want to suck his dick i know you can tell him later oh you've sucked it many times
now what are you saying or like you suck mine okay so 20 car loans crazy crazy maybe he should
send that 500 because what the is this um what did they tell you that that was like normal at
that time it's like you that have the worst credit imaginable yes well they made it sound
like interest rates were high for everyone they were not 20 like eight nine ten well then if
they're high already and then you have my shitty credit obviously so what is your car um it's a
2020 jeep wrangler dude you got a fucking 25 000 hour loan on a 26 000 hour loan on a jeep
wrangler at 20 what is wrong with you what is wrong with you i wanted a cheap i know you did
for 20 well you bought it for 30 by the way but it's worth 20 it's oh you owe 26 now what do you
think it's worth um that's 20 loan what do you think it's worth honestly what do you think it's
worth i don't know what do you think it's worth the car yes the car what do you think it's worth
probably 25 okay 13 000 you're fucked you're
20 it's insane 20 it's insane yeah but i don't know i my car got totaled before that that car
was paid off and i've always wanted your minimum fee payment you're done $720
yeah and you're unemployed oh you are so fucking now i wasn't unemployed when i what's an
unemployment expected to be huh i don't know because my manager won't give me my pay stubs
and they've never they haven't given me access to adp's
since january i mean like they don't have any from before uh from before i got all my pay stubs like
through adp up until january and then after that i never had access to them on adp i brought that
up to my manager multiple times she never fixed it in adp she just talked to corporate i have
they're they don't want to talk to me okay then you did you did more than just say okay by the
way why i want a conversation with them because my manager exaggerates a lot
like the whole shop cannot stand her they're all scared of her she makes you say it doesn't matter
corporate she makes you say yes ma'am we're franchise she makes you say yes i know but
talk to corporate then corporate doesn't want to listen to me because they're too lazy and they
just want to take the easy way out it's always someone else's fault i don't know okay well i
have thought about either way this jeep's insane i know but i wanted it so i didn't care exactly
which is actually what has defined your entire life it's never been anyone else's fault other
than you wanting you
wanted fun over an emergency well yeah i didn't you know you wanted fun over not having i didn't
grow up with much money so neither did i i didn't my life a little in my early 20s late teens but i
got out of it you're 28 and you're a little old for still just having fun for me i am why do i go
you're a little old for that now i don't think you're ever too old to have fun that it's not
about not having fun it's about the you're using the excuse that you're not having fun and you're
using the excuse of not having money and what you are too old for using the excuse of you didn't
grow up having money you can fuck around in the early 20s one of the first jobs i ever made this
much money dude you're 28 going on mass shooting like you are just like you're there you're too
i don't even know how to shoot a gun huh i don't even know how to shoot a gun that's why they always
miss the last time no no not always well tight spaces um oh miss him i got it oh him oh you voted
for him so i don't think you're going for him um now i don't oh shit all right secret service i
hope you're watching well release the tapes release files okay yeah everyone wants the files
released okay it's jefferson capital what the fuck is this i don't know well it's open but
you don't know i don't know who jefferson is i hate you i hate you it's open
but it's a hundred percent oh it's collections it's in collections you just let's see again it
was prioritizing fun well i don't know what that is so how can i tell if it's dumb ass dolls
over they're not dumb yes they are over paying on your debt so you're allotted to go to collections
well i don't know what that one is so i can't defend that i don't know would the balance at
least help it's three thousand two hundred forty three dollars come on okay i'm being told it's
for verizon yeah
you owe that much to verizon you broken creature because i used to have an ex roommate that was
disgusting oh oh it's always someone else's fault here we go let's hear how someone else's fault
this time i put her on my phone uh-huh and this during covid when we moved out because she was
a dirty disgusting um hoarder uh i canceled that because it was during covid and i was told by
verizon that i owe them anything and i was fine that they would just close the service and they
had to pay for it and i was like what the hell are you talking about first of all you have no personal
responsibility for anything you are incapable of life well it's pathetic take some ownership you
creature and you can still pay for this get on a minimum payment again or negotiate it down with
your tax return money we can't dispute that okay collections and not freak for trans by the way
before someone sees that and clips it i'm sure they still didn't left that part out that's how
clipping works four hundred twenty dollars is owed
in collections to this it is progressive it's very progressive
progressive so you weren't paying your insurance because you're a degenerate failure well i didn't
pay them because they dropped
me, and then I didn't
want to pay them out of spite.
Yeah, but then you just pissed off in the end, so I don't really
understand. Then the balance is $420. I kind of
thought it was funny, so I left it there.
So you fucked all your credit for that. You're never going to be
able to get your own place in Jersey now with your credit
only getting worse and worse and worse and worse and worse and worse and worse and worse.
I was able to do it here. Here before it got
worse and worse and worse and worse and worse and worse and worse.
Now you're going to
not even break your lease. You're probably just going to allow it to go
to collections, if we're being honest, because you'll prioritize
moving over doing the responsible
thing or actually making sure everything's
okay. But that's still breaking my lease.
No, you're just going to leave, and
then you're going to owe money, then it's going to go to collections.
That's not breaking a lease. Breaking a lease is something you agree
with. Right.
Usually they give you payment plans.
They can, maybe. I don't know. It depends on the
apartment. They love me. Huh?
They love me. You think everyone loves you, and then you
think everyone's horrible with the moment you don't get your
way. People who don't like me are horrible.
Exactly. That's basically what I just
said, you toxic.
Well, there's a reason. You're toxic.
You're a bad person. Yeah, there's a reason
why. Collections, 68 bucks.
It was for Geico, and you couldn't even pay
$68. You're allowing that to
bring your credit score down by like 15 points
for $68? That was just kind of popped on there randomly.
Then just pay it, $68. Let your credit
score go up, like 10 points immediately.
Like,
why not?
I forget. Okay, well,
you're here now. Well, now
I'll pay it. What the fuck is wrong with this guy? He needs
to call back. Well, he's probably mad now.
Yeah. Because I don't talk like
that to him. I apologized.
Um, well,
I still don't talk like
that to him. I'm very nice,
and I respect the fact that he has a kid,
and I. You respect the fact that he gives you money.
That too.
So the dude has a kid, but he
just, you just, does he have a wife? No.
That's why he sucks your dick. Okay.
He is a single father.
Full custody. Single father, sucking dick.
We love it. Yeah.
Okay.
Okay.
Well, savings, five bucks.
Really getting your way across the country.
Five dollars, yay.
I think there's like. Yeah, you're the worst of us.
Society.
Humans.
Checking account went down.
Apple bill.
Eddie
Carrey. Everyday store.
Carrey. Domino's.
Apple bill again.
Bullshit. Venmo.
DoorDash. Pizza Hut.
ATL Matron. No one knows where that $103 went.
Everyday again. Oh, I do.
Netflix. Where'd it go? Chick-fil-A, DoorDash.
Um, I, you have to get cash when you go to the dispensaries.
Oh, what the fuck is wrong with you? How much do you spend on weed?
Uh, I don't know.
You're the worst of us.
I don't keep track. Amazon.
I don't buy. Bullshit.
What's everyday store? 'Cause you go there everyday.
Um, it's a gas station. It's gas.
What the fuck? How much are you driving? You go there so often.
Uh, I live, I live like 20, 30 minutes away from that shop I was working at.
But I lived in that town before I moved into the apartment.
Another Apple bill. You must have a lot of subscriptions. Venmo-ing out money again. What are you Venmo-ing out?
People are supposed to be Venmo-ing in. How much was it?
How much was it?
I don't know. 14 bucks. That time.
Um, probably for- Apple bill again.
It was probably for lunch. Somebody ordered lunch at work.
Craft deli. What not again. What not again. What not again. A lot of what not. That was like $200 in what not.
Matt- Mad Rad Retro Toys for $48.
And an Apple bill. Little Nick's Pizza.
Multiple overdrafts. Are you fucking kidding me?
Oh, okay. And return item fees. What are we doing?
You are pathetic. Oh, and there's another debt. Just a- Why not?
Another personal line of credit at the end of it. Just for fun.
At a 32% interest rate. Nasty. Disgusting. What the fuck is wrong with you?
It's at a 32- Sorry, 11.8% rate.
11.8% rate.
Maxed out. You're complete.
Yeah, that's because I'll pay it off, and then when that money hits, I take it back.
Yeah, cause it's a draw as you pay, right?
Yeah, yeah, cause doesn't that help my credit?
Is there like fast food in here? It smells delicious.
No, it smells like a cigarette.
It stinks in here.
No, it smells like McDonald's Fries.
Huh? Isn't it? McDonald's Fries or Cigarette?
It smells like a cigarette.
McDonald's Fries. You're broken. I think it was the nose job.
No, it smells like someone smoked in here.
$5,999. Okay, two people agree on McDonald's Fries, one person says Cigarettes. Which one is Cigarettes?
Which one do we go with?
Okay, well McDonald's Fries kind of smell like Cigarettes, huh?
Your nose job broke you.
I thought that before my nose job.
There's no monthly payment on this, it just accrues interest, right?
Then you have to draw, you have to, you can only take out what you draw down.
A personal loan.
No, it's um, uh, auto pay.
Auto pay what?
Like $110 every month.
Pull up your phone, give, uh.
You have my phone.
Yeah, give me your, okay, just open.
What are you doing?
What are you on?
Huh?
I'm not, I'm not nasty, I wash my hands a lot.
Why are you on low power mode, it just makes everything weird.
You have 50%, you're fine.
Okay, subscriptions, let's see.
Apple Music, Google Photos backup, iCloud Plus, Paramount Plus, what the point is that?
'Cause there's a couple shutters on there I like.
What is Shudder?
It's a horror movie subscription.
Okay.
And then, uh, Hammer Elite.
That one's good.
Probably not best for you in this moment, but.
Well, I don't know what I was getting myself into.
I do appreciate it.
Pretty good.
Yeah.
Three premium shows every single day, including what we're going to call your ex-boss.
Yeah.
She's kind of a bitch.
I'm being told that Brandon is your type, which is exciting.
Um, congratulations, Brandon.
Well, like, yeah.
Do you want to suck Brandon's pee-pee, or do you want to suck Brandon's poop?
Well, like, yeah.
He.
No.
Which one?
No.
No.
Which one would you?
Are you asking?
I don't care.
Yeah.
Oh, you would do either way?
You're a switch.
Okay.
Yeah.
You have to have fun, right?
Brandon?
Brandon?
Post-show?
Post-show blowjob?
Your first blowjob?
Well, like, yeah.
He.
Do you want to suck Brandon's pee-pee, or do you want Brandon to suck your pee-pee?
No.
Which one?
No.
No.
Which one would you?
Are you asking?
I don't care.
I don't care.
I don't care.
He didn't say no.
Okay.
There's 15 things in your Amazon cart, which is crazy.
Oh, no.
No.
No.
I use my Amazon with my family.
Lots of water bottles, socks, kind of things.
No.
That's all going to be my family.
It's.
I don't.
Okay.
We share, so.
The only thing I buy on Amazon is stuff for work.
Okay.
Well, nah.
You don't have a job anymore, so no more Amazon purchasing.
Listen, I don't even agree with where you're going.
Like, I don't even know what we're doing here.
Um.
Oh, there's more deaths, apparently.
Parents.
1,800.
For why?
Well, I went to urgent care, and then I went and saw a specialist, and I didn't have health
insurance at that time.
Why?
What the did you?
I had to go see a urologist.
Why?
Because I was pissing blood.
That's right.
Why were you pissing blood?
Um.
They said it could have been anything.
Either me being dehydrated.
They outrolled, like, STIs.
Are you a freak?
All that stuff.
So, that's good.
Drink water, weirdo.
Why do you owe your friend $60?
Why can't you pay back $60?
Because we went on a cruise.
Pay your friend back.
She told me it doesn't matter.
Okay, so I can cross it off.
And then you owe in tolls $1,600.
But, you know, I probably shouldn't still give it to her.
Well, she says she doesn't care, then it doesn't matter.
But she's also struggling.
$1,600 to tolls is crazy.
Yeah, that's because they don't, they never sent me a bill.
And now I can't get.
You can log in online.
I know how it works.
No, it won't, it won't do it.
It will never log me in, and they've never sent me a bill, and that's also for my old
car, too.
And they've just held my registration.
Good.
Not good.
Good.
I hope you are never able to drive.
I know how to drive.
I'm a good driver.
No, not if you're not paying your shit.
I don't care.
Consequences.
Actions.
I don't think that makes me a bad driver.
It's time that you actually get consequences.
Yeah.
I know how to drive.
I'm a good driver.
I don't care.
Consequences.
Actions.
I know how to drive.
I'm a good driver.
It's time that you actually get consequences for your actions.
Your monthly minimum to the payments are $1,005.13.
What's your rent again?
$16.
What's your utilities plus internet?
Average?
I don't pay for internet.
On average, it's probably $150.
That's kind of cheap.
Okay.
I don't pay my phone bill either.
Hey, you can do helium when you do for $15 a line.
Why would I do that if I don't pay for it?
I said when you have to.
Oh.
Sorry.
I hear you.
Gas, vroom, vroom, drive, drive.
How much now without the job?
For gas?
Now, what do you think it's going to be?
Oh, now?
Because you'll be driving to clients and stuff.
Hopefully.
We'll see.
Probably anywhere from $70 to $140.
$140.
Car insurance?
Car insurance is about two, but that includes renter insurance.
Okay.
TP fund.
Anything else you need to survive?
All that good stuff?
I guess not tampons.
$150.
Necessary food?
$300.
Use the meal plan.
Use the digital cookbook we give you that you get for the annual version of Dollar Wise.
Medical healthcare, I'd say. Oh, co-pays?
Anything on a monthly basis?
Well, I have Medicaid now.
How much?
So, no.
Medicaid.
You're on Medicaid.
Yeah.
Why?
Because I got fired.
So, it happened right when you got fired.
Not before.
Yeah.
Because I was losing my dental and I wanted. I'm okay with it because you got fired.
Hopefully, it's not a permanent thing.
No.
Do you have any pets?
I do.
I have one.
What?
A pug.
Age and health.
He's six.
He's pretty healthy.
Okay.
$50 health insurance.
How much for pet food?
I buy the big bag.
I think it's like $120.
It usually lasts them three months.
Okay.
I don't know.
I'm bad at math.
Let's just call it $40.
We'll just see.
I don't know.
Then $50 for pet insurance, $40 for subscriptions.
Anything else that needs to be in your budget?
I don't know.
Okay.
I don't know.
I don't know.
I don't know.
I don't know.
I don't know.
I don't know.
You can go f**k yourself and go f**k Brandon, but no, you're not getting Bradstalls.
All right.
Listen, you need $3,675.13
for minimum survival.
Right now you make zero.
Hopefully your unemployment helps with that,
but you just need to go make that at a minimum.
And then obviously go make more
because you need to pay down some debts
and settle some collections and pay your friends back.
The car's the big worry, but you can't really finesse that.
There's no way out of that.
You just need to make $3,675 at a minimum.
But pay off your debts, obviously.
Move if you want to.
I don't really care. Break your lease.
That's going to cost money too, so you need to figure that out.
You need to go make that.
Usually I'm like, here, this is how you pay off the debt,
but I don't know how much money you bring in.
So go make that so you can break even.
Try to make more so you can pay it off.
Okay, I don't know.
But we're going to call the person in the post show
who fired her.
It's going to be an explosive confrontation, I have a feeling,
because she's a c**t and sounds like the other one is too.
But we'll see.
So join Hammer League. Let's get the Hammer Financial Score.
Spending and a budget. You overspend because you make nothing.
Zero out of ten. Debt. Collections. Zero out of ten.
Emergency fund. Nothing.
Zero out of ten. Retirement.
I don't know how to figure that out.
Do you have any? I think so.
How much? I don't know.
Zero out of ten. Until you can tell me. Zero out of ten. Real estate.
Hammer Financial Score. Zero out of ten.
Get yours at CalebHammer.com.
Now join me in the financial auto post show
by clicking join.
Hammer Elite. Three shows a day.
Six days a week. See you there.
Hello. Yes, hi.
What's going on?
I just kind of want to talk about why I got fired.
What specifically? I feel like it was
pretty clear. You were part of the problem.
I didn't even listen and hear you out.
Excuse me? Are you
saying I'm part of the problem
that got you fired?
June 1st,
I'm launching the Hammer Elite app.
Join the wait list
by using the link in the description or
pinned comment down below to get a never
before seen financial audit video
and then an exclusive offer just
for you. June 1st. This is the best membership
you'll ever join and that is
a promise.
Podcast Summary
Key Points:
The host, Jade, a barber from Denver, claims to have been fired for having an "attitude" and being perceived as too bold, despite not being formally disciplined.
A key point of contention is the alleged discrimination against Jade due to being trans, with the host arguing that her firing relates more to workplace dynamics and personal conflicts than systemic bias.
Jade claims she made $4,000 from clients in May, but the host disputes this, pointing out lack of documentation, inconsistent details, and reliance on unverified income sources.
The conversation highlights a major financial inconsistency
The host criticizes Jade for over-sensationalizing claims of victimhood and harassment, arguing these narratives lack credibility and undermine trust in financial accountability.
A central theme is the show’s emphasis on financial transparency, using real-life examples to expose financial mismanagement, poor budgeting, and lack of financial responsibility.
The host promotes a new financial membership app, Hammer Elite, offering exclusive content, lifetime access, and limited-edition merchandise for early adopters.
The episode concludes with a call to action for financial improvement, including using budgeting tools and taking financial assessments to improve personal financial health.
Summary:
The Financial Audit episode features a former barber, Jade, who claims she was fired from her job in Denver due to an "attitude" and perceived personal conflicts, including a dispute with her manager over appearance and professionalism. The host challenges her financial credibility, pointing out that she cannot provide reliable income documentation, has no savings, and is currently unemployed. Jade asserts she earns money through freelance clients, but the host disputes this, citing lack of proof, inconsistent details, and poor financial planning.
The conversation becomes a critique of victim narratives, with the host arguing that Jade’s claims of discrimination and harassment are exaggerated and lack factual backing. The episode emphasizes financial transparency and accountability, showcasing how poor financial habits—such as failing to pay bills, missing minimum payments, and relying on unverified income—lead to instability. In response, the host promotes a new financial membership app, Hammer Elite, offering exclusive content, lifetime access, and limited-edition merchandise.
The episode ends with a call to action for viewers to improve their financial health using tools like budgeting apps and financial assessments, reinforcing the show’s mission to expose financial mismanagement and promote personal responsibility. The host also highlights the importance of real-world financial literacy, contrasting Jade’s anecdotal claims with concrete financial data.
FAQs
You can watch episodes of Financial Audit a week earlier by checking out the show on YouTube.
The Hammer Elite app is launching on June 1st, offering exclusive financial audit content and a lifetime membership with limited edition merch.
Early members receive lifetime access to the entire Hammer Elite catalog, a limited edition Hammer for Life box with exclusive merch, and a 30% discount on the annual plan in June.
The barber in the transcript earns an average of $12.50 per hour, with additional income from tips and commissions, though they do not know their exact total income.
The barber was reportedly fired due to a perceived attitude issue, though the transcript suggests the manager's decision may have been influenced by personal dynamics and workplace conflicts.
The transcript recommends using budgeting apps like Dollar Wise, managing credit cards automatically to avoid overdrafts, and taking free financial assessments to evaluate personal financial health.
Chat with AI
Loading...
Pro features
Go deeper with this episode
Unlock creator-grade tools that turn any transcript into show notes and subtitle files.