She Destroyed My Sanity | Financial Audit

- To watch episodes of financial audit a week earlier, check us out on YouTube. - Lady goes on local news. Multiple city council meetings is the face of it. Next place gets fired 'cause she's better at her job. And now she is shocked that she cannot get hired. How is it your mega family's fault? - We're built on a patriarchy. - It's always someone else's fault with you, isn't it? - No. - Oh no? - No. - If you're calling the entirety of the United States two-day racist and misogynistic, that's pretty extreme. - These are the only people of color. - All that matters is today. Why do you care about 1803? Why does a year that we did not live in matter? - I'm sorry, I was on your side and you f**ked it. - I need to get out of there. - Oh listen! - I just launched liquid assets. My official gamer sub's flavor, raspberry apple, at less than 40 cents a serving. It's also zero sugar in under one calories. Use code Caleb for 10% off your entire order. No, and one out of every 10 tubs has my face printed right on it. Grab liquid assets at Gamersubs.gg/calibre or at the link in the description and pin comment below. This is the best drop Gamersubs has ever run a link in the description. - Hi, I'm Parker. I'm 34 and I'm from California Central Valley. This is Financial Edit. - Yes, it is. Thanks for coming over to Austin like everyone else from Central Valley, California. What do you do there for living? - Expensive, California, notoriously. - Not my part of California. - Well, it's going to be still expensive, compared to the United States, right? - That's true. - I work in a plumbing office. I do customer service now, but I was before we got found out. - So do customer service. - Yeah. - That's the job, customer service. There it is. So what do you make doing customer service? - $25 an hour. - Okay, how the f**k do you live in Central Valley, California? - I live with my parents. - 34? - Yeah. It was a backslide. - Backslide from what? - From owning my own house and to cars. - You owned a house? And you've actually delivered in-- - Yeah. - How many hours of eat do you work? - 40. - So what is your net take on per paycheck and what is that per paycheck cycle? - I get paid every two weeks and it was, when I got my first paycheck with a new company, it was 15, 15, five. - Me, good, f**k. - What, dude, what was your job? What was your job and your head, your house? And why the f**k are you doing that now? - I was a 911 with a dispatcher. - It was a 911 with a dispatcher. - Go dispatch 911. - I'm trying. - Trust me, there's lots to call the cops on over in California. They'll just let them back out again. - I'm trying. I'm actively applying for other departments. - Why, well, wait, no, why aren't they accepting you into these positions? - I may have caused some waves when I left my part. - Oh, for f**k sake, what the f**k did you do? What did you do? - It wasn't just me, it was all of dispatch, but I kind of became the face and I think I'm kind of blacklisted now. I've applied at every department in my area and interviewed at all of them. - So you're done? - Yeah. - What can you do now? - What's the different department? - No, you're blacklisted. - But if I go out of the area? - Oh, you mean that, okay, well, how far out is out of the area? You can't afford to go move to a different area. You live with your f**k parents right now. How bad was it? - It was really bad. - Tell me detail. - Like, what we were doing? - Yes. - We went to city council meetings and told them that they needed to pay us more. - Oh, okay. - Because in an outworkers, we're making more money starting - Okay. - Then go work for in and out. You know you have that choice as a person in the marketplace to go make more money at a different job, but the reason they're paying that much is because that's what the market demands. Go get a better job. - I was trying. - I'm afraid you're still. - No, you're trying to get more money for your job and the market didn't demand more money for your job. - Well, I left there to another department and was making more money. - But the crash out, the crash out was just going to city council? - We went to several city council meetings and I kind of became the face of it. - You became the face. - Unintentionally. - What the fuck did you do? Come on, what did you do? - Spoke more directly than everybody else. - Come on, woman, give me insight here. This is what is career ended up. - The vice mayor was a law enforcement officer and I asked him directly during a council meeting if, in his experience, isn't your dispatch really the most important person? - Mm-hmm. - And how do you do your job when you don't have any? - Mm-hmm. - Because we're all leaving. - Yeah, I could see why no one would want to hire you. Why would they want to hire you? And your name will likely pop up. I mean, I have an article here, for example. I bet your real name is in here. - It is. - Okay, well, what the fuck? Yeah, I mean, this is-- - And several of them. - Still before the city council had two consecutive meetings to explain their employment and woes. - Three. - Now, ended up being three after this article, right? - Consequently. - This was two years ago. Oh, almost three. - Wow, okay. Okay, well, why are you so proud? Wait, so you haven't, so it's been three years since you've made money? - Uh, no. - Okay, well, you should have upgraded your skills and figured it out and went and got a different career at this point. Well, when did you lose that job then? - Uh, in 20, I left that department. - Okay, you didn't just go to city council, you went to several local news stations. Why are you leaving shit out? - One, maybe two news stations. - Uh-huh. - Yeah, you're going out in TV. - It's all with us. - Yeah, but no offense. Anyone does that here, they're dead. And then I post about them once a week forever. - Okay, but it's all-- - And destroy their lives. - It's not really hard for them anyways. - Huh? - Everything that we shared was public record anyways. - Sure, but you were out there making no, but just no way, you're surprised that no one will hire you after that. You're a risky employment. - Yeah. - You're not entitled to employment. - Well, you're a risky person to hire. - It felt to me because the chief supported us, huh? - The chief supported us. He was like, yeah, go for it, leak. I was like, did I want trouble? Honestly, right? - The whole department-- - What was the big complaint? - The way it used-- - Possibly money. - Okay, lots of overtime. - Get it different stuff. - For understaff. - I'm so confused. I'm not opposed to, 'cause this was working for the public, right? I'm not opposed to unions in general as an overall concept, but mostly in the private marketplace when people get unionized. Public unions are horrible. The teachers' public unions have destroyed public school. The public unions of transportation in New York City when Mondani, who I don't agree with on everything, wanted to do faster buses. They protested that because they would be less poor time for them, but anti-progress. - As a first responder, those-- - As a public good though. - No, but as a first responder, those employment laws don't apply to us. So without a union, we're not-- - What are the employment laws? - Any employment law. - Yeah, but you essentially-- - We're not entitled to-- - It came together. - Yeah, we're not entitled to over-title. - It's good that you didn't have a union though. - We did have a union. - For bad cops to be fired. Like bad teachers to be fired. Public sector unions impossible to automate our ports and get modern technology. Private sector, it makes more sense. In the public sector, it's insane. So I'm glad you guys didn't. - We were. - We were glad you didn't. - We were-- - But you were basically acting as one. - We were a union. - Yeah, oh, you just said you weren't. - No, we were. - Oh, what the fuck are you saying? Then no shit. All right, hey, I'm glad you lost your job now. Did they always hold back society in the public sector specifically? 'Cause you can't allow any public good to ever become better. - I left there for a better job. - What was your better job? - Same thing, but I was making $56 an hour. - Okay, that's great. See, look how it works in the market. There was a job with more pay. - But I like my department. - She chose to do that. - I don't care. - Doesn't matter. Doesn't matter. - That was the point that-- - If you don't want to leave, then they shouldn't pay you more. - We didn't want to leave. They wouldn't have to pay you more. You took a job with better pay. You took the market. - Yeah, because we had to. - You didn't have to. - Our department is the lowest paid. - Yeah, but you didn't have to, you chose to do that. - The three surrounding counties. - Congratulations, and yet people still work there. So you chose-- - Not very many of them. - But guess what? When there's even less and less, they will be forced to pay more. Guess what? Law enforcement here in Austin, we are horribly short-safed. So there's like 50, $60,000 signing bonuses and every person makes over six figures who's working in law enforcement or police officer. - The city is now having financial issues. - Yeah, well that happens when you're a totally run city, which may have cities over there are. So no one's really surprised by that. But are we really shocked again? You went to news stations, you're causing Arrakis, who would want to hire? But what happened? You were in this other place. You had a good paying job. How'd you do that? How'd you do that? - You're on probation for 18 months. And I am a-- - Get up. - At my old department, I was working so much over time that I didn't have time to realize that I had a bunch of shit that I didn't deal with. - Oh, like what? Oh, here we go. What didn't you deal with? - My friend got stabbed while we were working. - Well, that's not good. You should call, you should dispatch the cops to them. - He was a cop. - Okay, you should dispatch a second cop. - I did. I was the dispatcher on it. - Okay, that's good. So that's sad. - The department failed us. - What? About how? Like what happened? - We just had no support. - Like what's that I have said? - It's it, it's it, you have to dump. - Like I got, I had relief come in and they just sent me home and nobody was like, hey, let's debrief before you leave. - I mean, yes, that is nice. And I would like that. And I would have to. advocate for that as an employer, I would, unfortunately, I mean, I will just say in the real reality, in most jobs when someone loses a friend. >> We have a therapist on stuff. >> Okay, but most jobs, though, is what I'm saying. And I know you were more intimate with it with the dispatching situation, so I'm on your side on this. I'm just trying to continue. >> Are you sure? >> Yes, I am, I would. Again. >> Sounds like you don't support whistleblowers. >> Whistleblowers, what are you talking about? Whistleblowers, she was asking for more money. There were other issues. >> I asked for the issues. Tell them issues. >> I asked for the money. >> I said money was the biggest one. >> So shut the f*** up whistleblower, you're not, you're not snowed in. I don't know what you're talking about, but yes, no, I am in your side, because I'm saying if I was an employer, I would have made sure you got all the help possible. I am trying to compare it to the overall 95% of jobs and what had happened anyway. >> Do people get stabbed here? >> No, but people that they're close to get stabbed. So yes, people lose family members and friends all the time. >> Yes. You're more intimately involved in that. Again, I am on your side here. I'm just trying to make a comparison where it's like that wouldn't happen pretty much anywhere. >> Okay. >> I. >> Good one, I guess. But okay. What happened? >> The ID department owed. >> Yeah. >> That's an issue. >> I wish they did. They didn't. >> Yeah. >> What had happened in both places? So what? What's next step? This next step lose our entire life because you did, and that's your choice in the end. I tried really hard to find another job, and it's- >> Well, why did you have to find another job? I'm confused. >> Any job. Because the job- >> Go back to that job. >> The job. They won't hire me. >> I don't know. Why did you get fired? You didn't say what you got fired. You just said you went home one day after your friend got stabbed. >> No, no, no. I left that department because of all of the issues we were having. Went to another department. >> All of the issues. You keep saying the generic terms. >> We were getting paid shitty. >> What? The one that you made $53 an hour? >> No, the one before that. >> I'm talking about $3 an hour and one. >> Yeah, okay, that one, I just, it didn't work out. The department was bigger than I expected it to be. >> What? >> So? >> I went from- >> Wait, which one did your friend get stabbed that? >> My first department. >> We were on the second department. Why are you bringing that up for tears? No offense. I mean, listen, I was on your side for the tears. So the second, go fuck your tears there. Because we were literally talking about your second job. Why when I brought up, why when I brought up, why did that job not work out? You immediately bounced back to your first job to get some tears and sympathy. >> No. >> I'm sorry, I was on your side and you, so what happened with the second job was my damn question. >> So at the first department, I was working on listening. >> I worked in one, in my last full year there, I worked 632 hours vote. >> Yeah, well that's great for your first job, let's hear about the second one. >> When I went to the second one, all of that time that I didn't have to process, all of the shit that I dealt with, that all came up in all the free time I had. Because I wasn't working over time. >> Go to therapy! >> I am. >> Well, then. >> I wasn't aware. >> Of therapy? >> No, I wasn't aware I had issues. >> You weren't aware of therapy? >> I wasn't aware that I was stuck in the head. >> Well, how did that impact your job? If you weren't aware that you should get therapy, then how the- were you having issues? Well, I'm so confused. Because when I had more time, it like- >> Sure, and that's when you realize you have issues, so go to therapy. >> Yes, but my job was suffering because of it. >> Okay, but how long? >> I was only there like seven months. >> Well, that's a long time. >> It's not, not in law enforcement, not in law enforcement. >> Oh, shut the f*** up. That's a long time to realize you have issues and try to seek some help. If you don't at that point, I'm sorry, that is your fault for not seeking help. Again, I'm on your side where I wish they helped you. And I was advocating for therapy, big therapy advocate here, okay? But if you literally chose for seven months of knowing you were struggling to not get therapy- >> No, I was. >> Now, what- >> You just said you were? >> No, I was getting, like working on getting help, but it took me- >> What's working on getting help? I believe you can get therapy in about- >> First of all, now. >> Realizing that I've had issues. >> How long? How long does that take? >> It took a minute to, like, first you should take- >> Hey. >> When you start taking- >> You're going to make me look like an asshole, but come on, I can read right through this. >> When you're taking calls that trigger other previous calls- >> Boss, you said you were struggling when there's free time, not with the calls you had. So now you're saying something different. >> It all relates because you- >> Okay, so you're going to do that job- >> In dispatch, you have to compartmentalize that, like, okay, I worked this call, my friend got stabbed, put that away on the next thing. >> Okay. >> Now when I'm taking other calls, all of that shit that I didn't deal with, now that I'm not as busy, I'm like- >> So seven months, why didn't you deal with it? >> I was getting in there. >> What is getting there? Where are we? >> Realizing that I had issues. >> Can you speak of that? How many months in? >> How many months in did you figure out if you had issues? >> Huh? >> It took a couple. >> Okay, two months in. There we go. You had five months more. There, but you can get tomorrow. >> No, no, no. >> So what's the issue? >> I was doing that. >> Okay. >> But you still have to work through shit, they- >> Yes. >> Not an instant fix, that's true, but also administrative. Leave. Different things. Did you- >> At an deprivation. >> Did you specifically go to your boss and ask for help and say what was going on? >> No. >> Then- >> Okay, then- >> It was a different boss. >> Didn't know. >> Didn't know. >> What? >> Why? >> You will have a different boss in every company ever. I'm sorry, if you didn't advocate for yourself, then I can't have sympathy. I was gonna have sympathy. I was having sympathy throughout that even though I was trying to poke holes because I was like, oh, she definitely seems like a person that's a victim always. So I knew there was gonna be something there. I'm sorry. If in seven months of someone having an issue, they didn't want to go to their boss who's responsible for their employment and say, I'm struggling because my friend from my previous dispatch job got shot. I think the dispatcher boss might have some sympathy and you choosing to not do that. And to advocate for yourself once, you cannot be surprised at the consequences. It's hard for me to feel bad about those consequences. I feel horrible for your friend and what happened? Did they die? >> No. >> He ended up being fine. But- >> I'm really trying to be the most sympathetic person in the world that you're taking everything for me. You're taking everything for me. You're taking everything. Stop it. Stop it. I'm so glad he's alive. He shouldn't have died. He's taking your tears. So how quickly did he come back? >> It was a couple months. >> Okay. When did you know he was gonna be alive? >> When he texted me the next day, no, listen, listen, you got to text the next day. >> He texted me the next day, that was the first I heard anything. And he was the only person who did any sort of like, hey. What happened last night? Are you good? >> I get that, but- >> Crazy, that the only person who asked was the opposite about death. >> I agree, but dude, completely survived next day was totally fine. >> I went back to work the next day. >> Yeah, but seven months later in your new job, you're saying you're struggling? No, I think you're just, you are a struggle. At that point, you are a struggle. It wasn't the trauma from that. >> It was compounding trauma from a bunch of events. >> This is starting to sound more like TikTok trauma than real trauma. >> No, I worked a bunch of crazy shit in the span of my last year there. And I worked- >> Dispatching? >> Yeah, my last- >> No way. >> I'm gonna let you finish. >> I'm going to let you finish. >> I just have a quick thing. >> Quick thing. >> Relax. >> Quick thing. You experienced a bunch of crazy shit in dispatching? >> Yes. >> No, shit, that's dispatching. Do a different job. >> I worked 632 hours over a time that year. >> I didn't have time to process any of it. >> Okay, yeah, yeah, yeah. Sure. >> I worked 7 days, so I was working 60 hours- >> I promise you could finish. >> 670 hours a week. >> I never let women finish. Finish. >> It's the vibe you give? >> I just struggled with the mission. Really get in there. No, no, no, I do fine. >> It says yourself. >> It says yourself. >> It says myself. >> It's self-appointed. >> Just like you baked them out. Continue, please. >> I have. >> I said you could finish. >> I have been diagnosed with PTSD. >> Yeah. >> Yeah, I know. >> Anyone can get diagnosed with PTSD. >> But it was the first place I ever worked. And the department very much pushes things off. That I didn't know that I was having issues. God damn it. >> That's what I'm saying. No, no, no, no. I mean, I feel -- I feel -- Trust me. It's an incredibly difficult job. We need big support for dispatchers. There's -- what you are seeing is not unreasonable at the fact that we need better support for dispatchers. That's not unreasonable. But your swings, your swings, victimhood, and losing everything here are so much more dramatic. With the fact that the dude texted you in the next day that he survived, when you know in this conversation before I asked that, you made it sound like he was dead. And you were struggling with that seven months later in your new job. With the way you present information and the way you think about your life, you are victim to the extreme. That is a hard job. People deal with some crazy shit and they need support and let's advocate for that together. But don't over-sensationalize your existence. You should have immediately said that the dude survived. >> I went home not knowing. >> No, but you knew the next day. You should have immediately said in this conversation the dude survived because you know the way you set it up, you made it sound like he was dead. Because you more prefer the attention of being a victim. Don't. I actually, my mom brings this story up all the time to be like, people are like, "Oh, it's the craziest call you've ever taken." Oh, tell them about this. What would you say that, Lee? Did you tell your mom not to say that anymore? I have. And she sells houses? Sometimes. And tell her she's a bitch. I don't know. She shouldn't say anymore. At least you advocated for yourself for the first time in your life. I'm sorry. I mean, you're in your upper 30s at this point. Like, I mean, you're not a child. But damn. Well, your 30s. It's upper 30s. 34. No, my four looks like a seven. Okay, 34, you're fine. I mean, it's just like, I'm just saying like, if you can't advocate for yourself at this point, it's like, what are we doing, right? You've got to learn that at some point or else you just can't put yourself in situations where you have any kind of, where there might be complications. I'm really good at compartmentalizing and that's what I did. Are you? No, I-- Did you hear that word on TikTok and you're just hearing everything on TikTok and you're diagnosing yourself with that? No, I've always-- Because anyone can have PTSD from the situation and get diagnosed. That's so easy. You have no idea how easy it is. People can get PTSD for everything, which I'm not even saying you don't. But the fact is, it's just really hard to respect as a tongue today because of how easy it is to get diagnosed. And we know the dude literally survived. Then you walk up the next day with the text, I'm alive. I'll you stay up on that. Okay. No, it was like well into the day. Oh, my bad. I'm sorry. You're right. You know what? You're right. That is absolutely tragic and just as bad as him dying. I'm being told you actually never went to the therapy that was provided. Work therapy, no, because I didn't have time to with work. They provided it there because of your schedule. You didn't go. Because I was working. No, no, no. You know she made it sound like-- just like, again, making it sound like you died. She made it sound like they didn't provide it. I said they provided it. No, you said there was a therapist, but you made it sound like they didn't provide the support. You didn't go. We had a therapist on, like-- But you didn't go. When was I supposed to go? Okay. I mean, 12-hour shifts six days a week. Perfect. 7-day. When she-- I don't know how she's a law enforcement therapist because her schedule doesn't work like that. I'm going to be real with you. Your dad is not the same as everyone else's. 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No, I know that I should have gone. Well, there we go. And I knew that it was a resource, but it didn't feel accessible. Oh, it didn't feel. Now it's feel. Ladies and gentlemen, we got the feelings over the objective reality. Good death, woman. What the fuck do I do with you? But I can't deal with, I didn't- Just ask myself every day. Well, you got to stop being an introspective. You got to stop asking yourself, you just need to flip, dude. You're thinking way too much about your shit. You're in your own head. Why do you get stabbed? Where? Why? It was a stuff that was technically a robbery. Okay. Well, it was a loose robbery, but it technically was a robbery. The guy actually ended up getting charged with attempted murder runoff, sir. Yeah, as he should have. What was he robbing? A quick stop. And he stole, like- Did he do it? No, like the, the Paxidonuts. Broke I stabbed over Donuts. Well, this worked for you. I can't seem to find my license, but- And a brisk? And I think single pop tarts out of the pop-tart bar- And a birdie he gets stabbed. In the head. Oh, that's a big one. That's a no-no area. Yeah. But you knew the next day he was alive? So, when's the last time you worked in law enforcement? Um, November 2024. Okay, two years ago. Yeah. You don't still claim law enforcement like discounts to you? Um, I will use my discount if it is online. I don't ask for it. You got fired, girl. Fired. Okay, second job. Still, you haven't told me what happened to that. The department was bigger than I expected. I went from dispatch- no, listen, the city population was 150,000 people. And it doubled during the day because of the large businesses in the city. And I went from dispatching just police to police fire and ambulance. And I was overwhelmed. It was- When you were working only 40 hours a week at that point though, did you say? Yes, but the call volume was more than I expected. Like, that- So you left? I was released from probation as the technical term. You got fired. Yeah. Okay, and after that point is where you're saying they will not hire you anymore? I mean, was at that time I was at another department like per DM. What? Yeah, I- So you didn't still, you got hired at that point? No, I was hired there before. I was per DM, so like when they needed coverage and I just let their full time. And what happened? I have no idea actually. No, no, no, no. Did you get fired? I came in one day and they said we actually don't need you anymore. Oh, well that might be fair. But like nothing happened. I didn't- Oh, no, no, no. You're per DM, then you decided to go full time. Maybe they didn't need it. That's fair. I mean, that's reality. Yeah. Especially with government budgets, local government budgets, very difficult. It's a super small town. Exactly, very difficult. Okay, so lady goes on local news. Multiple news reports. Very good. Next place gets fired because she's better at her job. Blame whatever reason you want. And now she is shocked that she cannot get hired in this- By the way, I'm not shocked. By the way, I know I want to go back. Have you not expressed the amount of trauma that you get from this job? That is a crazy job. I don't think you're fit for it. Why would you want to go back? It's not our responsibility at this point to take care of you. If you get in, if you deal with an issue there, if you keep going back. You have to abuse the wife that keeps going back. Don't. I really enjoy it. What? I know. I know. It's complicated. What do I do with it? No, just get another job. Rise in the back. I have a job. Yes. And I hate it. Well, yeah, you don't really make enough. So how'd you lose your house? I sold my house before I lost it because I was on the phone for so long. Did you walk away with a pile? A little bit. How much? 25. Where is it? Most of it's in a savings account. Thank. Okay. When was that? When I sold my house. Yes. August of last year. It's when I closed. So since then, what has life been about? I guess you're complaining in the pre-interview how your "magaparans" made you buy it. I don't know what the. What does that have to do with it? Do "magaparans" just make kids buy houses? No, they've always like. That's what you do is you buy a house. And you get married and you have kids. It's America. That's pretty standard, I guess, yeah. So they like push me in. They're like, "Oh, you should do this. You should buy a house." Okay. I'm really. good at doing what you're supposed to do? - Well, it sounds like it rewarded you. You walked away within that game. - Yeah, but I also live at my parents house now. - No, but that wasn't their fault for saying by a house. It was your fault for getting fired from a job and going on television. That wasn't their fault for telling you to get a house. It's always someone else's fault with you, isn't it? - No, I-- - Oh, no? - No. - Okay. - I-- - How is it your Magga family's fault? - I can fully acknowledge that I left in my first apartment and I ruined my life. - Why were you complaining about your Magga parents? - Because I wouldn't have ever bought that house. - It sounds like they helped you. - Not really. - They said, "Here, you should buy a house." - Good, and you walked away within that game. What's the complaint? I'm so confused. And how does the tag tie in a Magga? I'm so confused. I'm so confused. I don't agree with Magga on everything, of course. But I'm not blaming them for there's notebook ribbing. - Just like American Dream Shit. - And-- - Push me to do it. It's made for $40,000. What are we complaining about right now? Please, walk me through it. Walk me through it. I'm gonna need a little sissons and I'm calling for a dispatch of assistance from you to me right now. - Like, they pushed me to buy a house. And I don't think I was ready for that. Like I-- - And the consequences were-- - Word that I didn't know what I was doing. - And the consequences of that-- - Yes, I ended up making money, but I wouldn't have ever bought that. I hated my house. - Okay. - I hated the city, was it? - And the consequences of that were-- - I don't know. - Then why are you complaining about your Magga parents pushing you to get the house? I don't get it. - 'Cause I didn't want it. - Then sell it. - I did. - Exactly. So why are you complaining about your Magga parents pushing you to get this house? - I don't know, I feel like a-- - Are you a leftist or something? - I am the furthest left person that I know, but I live in-- - That's not a good thing. You definitely shouldn't be the furthest right or left of anyone you know in life. - But I live in Magga country, so. - Yeah, but you're still in California in the end. But yes, you're right, you're right. It is certainly more red there, but even still in a red area. There's lots of-- I mean, red Texas. There's lots of blue around me here in Austin. You know, that's how it works, right? And even in blue, Austin, there's lots of right-wing people here. Like I said, I don't agree with Magga and everything. Of course, but I don't think that means being far left is reasonable. Extremism is never good. And if you're the furthest in one direction, you know that's extreme. - furthest less when everybody I know is Magga. - Girl, I'm sorry. If you're trying to blame your Magga parents for pushing you to get a house that you literally walked away positive from and you couldn't tell me one downside, it sounds like you have some kind of derangement. - I just, I don't care to own a home. - Okay, cool. How do you, why do you blame Magga parents for that? Like, is that not crazy? Is that like, is that like, that's like, um. I only think I'm an example. Who's like a reasonable person on the right? All the talking heads are all extreme, right? - That's what you say, do any of them exist? - No, no, to you, no, of course not. - Anyone, even slightly. - No. - Center left to use probably a fascist. But, oh, wait, you voted for Trump in 2016 though. - Yeah. - Oh, because your parents made you. What, that is, how do you, but you have no agency, do you? - No. - Girl, you're older than me. I voted in 2016. You have no agency. Who's a normal commentator on the right? Just let's, let's just say, Ducey, I don't know his public opinions, what I called into a show once, okay? - Ducey. - Okay. - Is the correspondent from Fox to the White House, Ducey? Let's say he bought a house and his parents were, they just, they voted for Obama. And he said, crazy communist parents forced me to buy a house. Do you not see how this is insane? Like, why are you attaching it to their political identity? You have to be a, like, crazy person at that point. - It just, like, why have you attached their political identity to it? - I don't get it. - Because it's the conservative American dream, like, oh. - No, it's the American dream. People on the left wanna buy houses. - But what are you talking about? - Like, the people on the right right now, economic leader advising, actually, like, don't buy. Their renting makes more sense. - Like, they've always just pushed the, like, do, do the X, Y, and Z because that's what you're supposed to do. - And how's your parents supposed to do? - Force you to vote for someone. I've never, they didn't force me, but that's just how, not even just me, but everybody in the area is just conditioned. - Oh, you mean, do you have a political campaign? They campaigned for the person they wanted to win? - Not even campaign, but just, that's how everybody's raised all the time is conservative. - It's a conservative country. Here, people don't raise more liberal. That's not crazy. Regents have different things. - Yeah, but I was uninvolved at that point. - What, just go vote for, who was that? Clinton, who cares? - You what? You said because everyone around you voted for Trump, you have to vote Trump. - That's just what I thought was the right answer. - Oh, so you just thought you wanted to vote for him. Okay, so, and then you changed your beliefs, who cares? - Yeah. - I am so confused how you were complaining in the pre-interview about them forcing you to do that. What the fuck is wrong with you? What the fuck? See, yeah, because you were just going on a tangent and stuff. You're going on a tangent on the phone. I literally have your notes word for word. That America's a racist and misogynist country. How are we misogynists at this point? - At this point, we can always look back. For all of human history, 10,000 years from now, we can still look back to slavery if we want to. Does that mean that is what life is like 10,000 years from now? You're right, women did not have the right to vote. We did not have a good history when it comes to equal rights in this country. We're talking today. How are we misogynists specifically today? - It misogynists built into everything. - I'm literally being pushed to hire women at this company, just so we can have more women when in content typically men work disproportionately more on the video editing side, and I am being pushed, so it doesn't look sexist to hire women. - We're literally, I'm not gonna do it 'cause I refuse to live that way, and I only gonna hire people based on merit, but I'm being pushed to hire a less qualified person because there are women just so we can have more women here. I am being pushed internally for that. I won't do it, but that is an actual thing that does have to mind in the scenes here. Where is the misogyny? I mean to hire a less qualified person 'cause there are women. Then where's the misogyny today right now? - In elected office, women make up 50% of the population, but only hold like 30% more on the office. - Yeah, we're run for office. - Is that misogynistic that they voted for someone that they wanted to represent? - I know a lot of people who don't vote for women because they're women. - Well, that's a misogynistic person. Do we have a misogynistic country? - As a whole. - Do you think Clinton specifically lost 'cause she was a woman? - No, I wouldn't have voted for Hillary Clinton. - Yeah, a lot of people don't like career politicians, and our husband was already president. Even people that lean more left, I don't think they get funny, you know? They didn't, they didn't nobody liked Clinton. She didn't lose 'cause she was a woman. Kamala probably lost because she, the primary process didn't exist, and people felt cheated from that. They weren't, they didn't lose because they were women. Where's the misogyny? You are gonna find women literally online on TikTok just as much as those people who will not vote for men 'cause men are evil. I will equally find that. So that doesn't mean the country's anti-men either. So how are we as a full-on society misogynistic? Please tell me. - Is, you can find the individual people. You can find the individual races. It doesn't mean we're a racist country. DI programs were very beneficial. - Not necessarily as a whole, but as a collective. It is still very- - Hold on. - I am? - No, not necessary. - You just had as a collective? - No, no, no. - I'm a part of a collective. - Not you specifically, but brands, maybe Brandon. - Well, maybe Brandon. Lindsay? - No, not Lindsay. Lindsay's a girl, she's a girly pop. - And I'm a girl's girl, Mika? Is this a little bit more breaking over there? Like what? As he, because, okay, I'm gonna give you a chance again. How are we as a country misogynistic and racist? - It's systemic. - I'm waiting for examples of how we are. We can look back forever. Where in our societal DNA right now? If we were still redlining, I would agree with the racism part. - 922 of the most powerful people in the country, only 180 of them are. - What powerful people? What are you talking about? Are you talking about elected officials? - Elected officials. - People can run the office. - People in charge of abrogate from what women can run for office. Police departments obviously law enforcement vastly, just like nursing heavily skewed towards women, law enforcement heavily skewed towards men. That's not racist though. Tech heavily skewed towards men. That's not racist. Art heavily skewed towards women. That's not misogynistic or. and such a mistake, no? - Misandrist. - Yeah, there you go. I'm not a victim, so I don't care to memorize words like that. - That industry's lean certain ways. Please tell me again, then. Obviously elected office, more women advocate for them to run, including on the right. Because we're about 50-50 in terms of swinging back and forth. So you're gonna need more Republican women for that ratio to go up, advocate. But people can still vote for who they think is the best-- - And I don't think we're in a place in this country where people are-- - But no specific examples. You can't actually think of a real thing that we are racist or misogynists. And there actually might be real examples that I haven't thought of, 'cause this isn't my daily focus of being a victim. Well, I guess you just can't talk on them. - There's-- - Can you? - Can I have example besides people running for office? - My choice. - Since the beginning of the Supreme Court, all but six of them have been white men, and only-- - Okay, and how was the makeup today? 'Cause I care about today. Women can run for, women couldn't vote. Yes, okay, you can look back on the history. History, bad, not always the best. Go back to ancient Greece, not very good either. Okay, you'll get it in every inch of this planet. Not great. Native American culture wasn't great. Lots of shaving those skulls. Not great. Eating hearts down in the Aztecs, not the best. We can apply history as bad for all cultures forever. What about today? Okay, we got a black man, a Hispanic woman, a white woman. - That's it. - Ginsburg was down there and she died kind of recently. - Yeah, and was replaced. - Was Alito white? Alito doesn't seem like a white name, is he white? - He is. - You consider all white, white? - I think so. - Nobody's like Italian. - After 9/11, that is white. - What the? - What the? - All of your 90s, 2000 movies, Italians were, you know, that was big, that they were big. - We also have a black woman as well. There's someone who cares about identity politics. - You said black, you said? - I said we had a Hispanic woman, a black man, and a white woman. We also have black women. - And then we have another Hispanic woman, and a black woman, hold on. - We're one, two, three, four, five minorities in four straight white men. - Poop. - She's white. - Yeah, woman. I said, you were saying all straight white men, besides straight white men, it's vast majority, not straight white men. - Currently. - Yes, all that matters is today. Why do you care about 1803, random year? - In the entire history of the Supreme Court. - Who cares? - Is today not the only, no, no, no, no. I think, I think Clarence Thomas replaced the black man. I think, I'm not sure. - I mean, I wasn't alive, or I was barely alive. And also, no, Ginsburg. Nitorious. - Yeah, but yeah, RBG. - RBG, there you go. - I don't know what you said, but it wasn't that. - Nope. Who did Justice Lito replace? Justice. - Justice. Sandra Day O'Connor. Sounds like a man. - That's food in front of me. - So, today's all that matters. Today. Today, you're a failure. That's all that matters. Today, Supreme Court is actually quite diverse. Why do we care about 1829, another random year? Who cares, we weren't alive, it doesn't matter. History's always bad, no matter what. Guess what, the African countries, bad history as well. - Yeah. - So, our history's not the only bad history. - Right. - You only focus on ours. So, let's-- - Because I live here. - Yes, you live here in the present, in today. So focus on today that it has gotten better, and we can appreciate that, and celebrate that, and move on with your life and do something productive instead of bitching and moaning. - My gamer sub's flavor is finally here. It's called liquid assets, and it tastes like raspberry apple and success. Use discount code Caleb to get 10% off your entire order, plus three gifts you actually want. Drinkware, stickers, full on apparel, even some seriously limited edition swag. And one out of every 10 tubs has my face printed right on it, and the whole offer stacks up six times. 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You can check for free, and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck, but if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board. Go to calibhammer.com, or the calibhammer financial resources part of the pinned comment or description below, and save a shit ton of money. Third-grade Marshall was the first African-American to serve in the United States Supreme Court. I'm gonna be Johnson. Okay, so you're, we understand that, right? - No. - No? Think, can you give me another example of today where we are a misogynistic and racist? I will give you a final chance. I heard you got angry when you heard I went on Rogan, by the way. Why? I can't talk to a dude. You know what the dude is actually socially quite progressive. - They didn't. - Just economically on the right. - You went on there and you talked about a little. - Not a little anti-vax. - They only, they only want me on right wing shows, but you platform a bunch of people who come on here and aren't interesting enough to be anything other than racist to make good TV. - What? We've had more people like you than them. Over the course of four years, yes. The couple of people that have been racist has been literally the last two months. Ever. In the last four years, it's been freaks like you. We've been trying to get more right wing people to balance it out. The most right wing people that come on the show on their no-no list, just like you gave me a couple of no-nose, remember them? - Mm-hmm. - If I followed them so far. - Yeah. - And they don't want to talk about politics, so I respected just like I'm respecting yours. So sit down and shut the fuck up. Why are you upset about me going on Rogan and talking to an individual? - You went on there and complained that all you get is right wing shows, but that's the majority of what you're platforming right now. So of course that's how you're out there. - Literally. - That's how your algorithm's gonna push you out. - That's literally the right wing people are not all in platform. - But you said they, nobody wants you on left wing shows. - Unfortunately, yes. But we have gone excepted a little more. Cuomo, goddess, CNN, goddess, so I appreciate it. Destiny was gonna come here. I think it's like our canceled. Maybe we'll reschedule who knows. So it got a little better, okay? Since then. But yes, at that point, only the right wing, even though I'm not even hyper-right wing, like economically, yes, I lean to the right economically. For sure. But because it's like you, but the thing is, I mean, socially, I'm actually teasingly on the left. I'm not crazy, like, cut the fuck off children and shit like that. But like, you know, you people are just extremist. - I don't think I'm extreme, I think. - Okay, you angry at me for going on, Rogan. You're calling us, if you're calling the entirety of the United States two-day racist and misogynistic, that's pretty extreme. - Not the entirety. - How is the United States today? I'm gonna give you another chance. - I'm gonna give you another chance. - Let's do it again. - Of it is. - Oh, you're going to go post. Now that is not what you said. That is not what you said. You said America, you said the United States is. - In a generalized. - And then you said because of the elected officials and the Supreme Court. Now you're really trying to say, well, no, it's certain groups of people. Come on, I'll give you another chance. One more time, last chance, officially. How is America two-day? In your own words, sexist, racist. And maybe it is, by the way, she just can't bring up any real points. And this isn't my topic that I care to learn that much about, more interested in economics. So I can't speak on a putt. Please, give me something. I want to learn. I want to learn. I mean, I'm learning right now from my producers. You hate that I bash California. I don't even bash California. That California is my- - Oh, I'm urban, you did. - California is my dream state to live in. - You should move to California. - That would be horrible for me. - It would not. - I would lose 13% of my money. It would be really bad for me and the appointment laws are an absolute joke. - It would be better. - No, my literal lifestyle of whether it might be good, but besides that, no, everything else it would be worse. That's the thing. I love California, so I wanted to do well. They shouldn't be building this new start of shipyard that was supposed to be an L.A. on the bay of Houston and that swampy pit of a disaster. The fact that so many corporate relocations are coming to doubt should speak something. all the six. the success they have right now is because of something they did back in the day. They're not doing new success. The tech companies that are there, they've mostly been there. Yeah, they're still a startup ecosystem, most venture capital in the Bay Area, but LA, incredible. I would love to LA. This show would thrive in LA, thrive. But I can't live there with their homeless situation. I can't live there with their crime situation, their catch and release. And even the show on more left wing platform with left wing people in it called my worst neighbor and my or my worst ex, both of those shows on Netflix. Half the examples on there were people who got arrested in California in a media release and that killed someone. So no, I can't take my girl there. I can't potentially have kids with her there. I can't, there's school systems in the shitter, even though they're paying a shit ton of money per pupil. I can't, I shit on California 'cause I wanted to do incredible so I can move there. I want it to be great for business, hiring, walkable, beautiful, actually building housing for their people instead of being performative with the rent control. So that's why I care about what should be the best state in this country. I want to be there. I can't when it's a mess. - I don't know, I think as a California girl, it is objectively the best. - You live in Central Valley. - Yeah, but I'm. - No one wants to live there. - No, nobody wants to live there, but I'm too much from everything, if even. - Well, we're from the beach, two hours from the snow, two hours from. - We're three hours with the flight, so good enough. I'd rather live in a place where I'm not just gonna die from someone that got released, that committed a murder yesterday. In a place where I can employ people and fire them if they suck. - You can do that in California. - Yeah, and you'll get sued. - Not if you have caught. - Oh, trust me. I think my lawyers know a little bit more about this when we considered where we were gonna move. They're basically unemployed 34-year-old who lives with their mom. - I'm being mean to you, how are you? You having a okay day so far? How's your trip to Austin? - It's been awful. Why? - My flight got delayed yesterday. Why am I. Man, I won't stop watering. - I know, 'cause you're. - It's just this one. My flight got delayed yesterday, twice. - Ah, the damn Republicans. - Mega airlines. - And then the. - Who's the new peep boot a judge? - A replay. - Sean Duffy. - Sean Duffy, how dare you? - The challenge star. - Real world. - I'm not as into politics as everyone thinks I am. It just gets like you. Okay, very good. So, how are you finances today though? Obviously, it's a mess. What's your plan? What are you gonna do now? And no complaining about MAGA is not gonna fix your life, by the way. So maybe let's focus on terminal online extremism, more focus on improving your own life, 'cause that's the only thing that matters in the end. So what options are there going forward for you? Stop it. - Sorry. - It's okay. You can wear it, just don't twist it. - I'm gonna keep doing it. - Okay. - Oh my goodness, I have another f---ers. Oh my gosh, I can't believe I'm getting notes. You should have set all these things in the interview. I personally believe billionaires corporations in the wealthy are not paying their fair share of taxes. Well, the working class people struggle. You know what, working class people, like let's make the most money out of any major country and have the most disposable income, which is like income after the necessary stuff. - But why are we giving tax returns to corporations? - Tax returns. - Yes. - No, we're giving tax returns. - Yes, tax returns. - Tax returns. - Yes. - We have tax returns to people with kids. - Tax returns. What are you talking about tax returns? You're talking about where they spend more money than they make on paper so they have to pay less taxes because they're employing people investing in R&D and new technology. Any of those companies that are in your homes say, "Girly." They're why your state even things exist anymore. Silicon Valley, be thankful for the Bay Area 'cause LA doesn't exist. So if it wasn't for those, I don't think they'd be there. And people, they can back up and move just like anyone else. Anyone else, they'll go to Ireland for the corporate HQ. - I don't want that. - No, but I mean-- - You want to pull a UK where they all go to Dubai? No, thank you. I like when they're here. There are consequences to performative policies. And also what do you mean, tax returns to-- - There are like Fortune 100 companies that have gotten tax money back from-- - What context? What context? They went to a new area and they reached a deal with a city-- - No, like a chase of-- this is probably from a couple years ago, but Chase Bank got a tax return. I know-- - What was the context on what? You're seeing, Chase is not a tax net contributor. I haven't heard of this specific chase thing. I'm gonna check it, but-- - I, Chase Bank was one of them. There's, I know, like Amazon paid zero dollars - That was different. - But that was because they spent more than they made for the longest time. They weren't profitable company until recent years. You know that, right? Are you seeing companies should have to pay taxes on money when they're not profitable? So me as a business, let's say we make a million dollars this year. If I spend a million 100,000, I should pay taxes on my lost money. - No, if you're-- - Hold on, that was Amazon. Yes, that was Amazon. Also one of the biggest employers and not with bad wages either, the entire country. You wanna punish them. - Not punish them, but they, I don't think they should be getting-- - They're paying great taxes now. What do you wanna be AOC and prevent brand new campus coming to New York with thousands of new jobs? Consequences of performative policies? - No, I, I think that, okay, specifically there are like eight Amazon warehouses - Yeah. - The driving distance of me, and they don't do anything to better the community. - Well, I'd say the people that work there-- - They build their warehouse off of a two-lane road and like-- - You know a lot of people work there, right? - Yes, that's-- - That's benefiting your community. Those people put money into your system. - You have to upgrade the infrastructure that you're building in. - You mean the roads? - The roads, yeah. - That would be good. Now that's the city's responsibility. Advocate for the city, not the corporation. All the roads are a public good. - Yes. - Why are you complaining about Amazon? They're literally employing thousands of people in your city who are going and spending money at restaurants and other than-- - Dude, you're broken. What is it, please? Okay, get your point, get your point. - So, it's very specifically there's an Amazon warehouse and I just saw Walmart one right next to it the other day. - Crazy. - Built off of a two-lane road, but that traffic now? - This is the city's responsibility. Dude, you're actually-- - No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no. - It should be Amazon's responsibility. - Because that two-lane road-- - To pay for a public good? - That two-lane road wouldn't be a problem if Amazon wasn't there. - It's actually impressive. I've never witnessed someone so far left that they're actually, they're actually advocating for degrowth policies. I've never seen someone sit and in real life advocate for a degrowth policy. That's one of the most impressive things I've ever heard in my life. - To not build warehouses because the city can't keep-- - I'm not saying you know some of them. I'm saying they need to put the infrastructure around them so it doesn't negatively affect-- - Why is it the warehouses? - Whatever. - It's a building. - Because it's a city. - Or this city? - No, they're building in rural areas that this two-lane road isn't an issue. - So in New York City-- - Without the warehouse. - In New York City, we want them to add more housing so people can afford more, right? - Yes. - Should it be the people who build the housing's fault to add an extra lane to the highway because more people are moving in? - They should have some sort of responsibility in it. - They pay taxes, property taxes, which those warehouses certainly do. And income taxes and whatnot. Pay to the state redistributed to the city in the city of California, thanks to their new jobs. It's your city's fault for not allocating the resources properly, advocate for that. Girl, there's lots of things I can complain about Amazon for. Some of the working conditions with heat, that shit was bad. You and me can be on the same page for that. But you went and advocated for a degrowth policy. That's one of the most insane things I've ever heard in my life, and putting the responsibility-- - I'm not saying they should be fully responsible, but they should-- - They're paying taxes. They're paying taxes for that infrastructure. If the city decides to not upgrade it, that's on the city, vote for someone different. Okay, she's most likely referring to JP Morgan Chase, a parent company of Chase Bank. Receiving a net $1.1 billion US federal income tax refund on cash basis for 2025. Let's get the context, though. Why did they do it? Because they overpaid estimated taxes in the prior year. - You're free-- - You're so free. Oh, I want it. Thank you for making my show possible, for literally not knowing anything. 'Cause that was such an easy lookup. Say the thing that happened here, we have to do quarterly estimated taxes, and if I pay too much, then I would get money packed. What's your hammer financial score? 'Cause I know your score is like 1,000. - Probably-- - Zero out of 10. Zero being the worst 10 being the best. - Probably a one. - You are my favorite. I really appreciate you. Please, more uninformed people, [BLANK_AUDIO] I don't want to buy a comm slash apply. It is my favorite thing. And I'm honestly pretty (beep) So if I'm able to look better than someone, like oh my goodness, it's incredible. I love it. Get your hammer financial score at Calebember.com. It's free. It just takes a few minutes. See where you stand in the world and the money, where you're doing poorly, where you're doing great, where you, it breaks it down into individual categories. Now it's so you can see where you need to actually improve, where you're doing great, where you need to do better. And if you don't want to be like, I guess who ends up on this app? Stop scrolling Reddit and TikTok, clearly. But more than that, download it all the wise budgeting app, tens of thousands of monthly active users for a reason. It changes people's lives. Most people take the annual version 'cause it saves nearly 50% of the money and you get the physical version of my meal plan signed by me, mail directly to you and the digital version of my cookbook. You live at the parents, I don't know if you need that, but if you ever move out, what is your plan? I did try to ask you. - Yes, what's your plan? - That was a great statement. - That's also something that I need your help with. - They also had settlements and adjustments from the IRS due to prior your audits, I will say that. And of course, they had some tax credits as any business or individual take advantage of just like people with kids have tax credits so that inherently is not a bad thing. So, okay. So what job can you get? 'Cause you're a blacklisted, not unfairly so. - From a job that you want to do even though you know you'll get traumatized from. - Yeah. - But you would get traumatized from literally the beep of the fries saying they're done cooking and McDonald's. - No. - That'll lead to 10 more years of therapy with you. Go on, sir. I'm being a dick, please. I'm being a dick. You probably just need to live in a place with more opportunity. - Yes, I do want to move out of the valley. - Yeah. - And if you want to, honestly, I really hate to say this, but I mean, they finally moved up from 50 to 49th, but California has the 49th worst unemployment rate in the country for a reason. And people are relocating to like Dallas, Houston, Atlanta, Nashville, North Carolina. I know what you're saying. I know, I know. Well, they're not horrible. But for reasons, 'cause there's jobs and opportunity, because it's risky to hire in California. It's expensive to hire in California and people are leaving. So I'm not saying you have to do that, but that is something I'd consider because you're gonna probably move through another sitting in California, and they're not the best job market, especially with your lack of skills. And my question for you is, are you guys pretending that the weather isn't awful here? - No, it's really bad in the summer. Three months of the year, it's dog shit. - Gorgeous winters and falls and springs. - I don't like any of those. - Gorgeous winter fall spring? - It feels like it's raining, but it's not. - That's humidity. Yeah, I guess it was a very human morning. I apologize for your new trauma in the other 10 years of therapy. - I definitely wasn't unprepared for the humidity. I-- - Okay, we're not having a humidity conversation. I'll give a f*** where and what job? 'Cause what the f***, you will not survive off of this? - I know. I-- - Please, lady. - I-- - So what are the options? San Diego, Los Angeles, metros. - I have been mainly looking in the Bay Area. - Okay. Do you work in tech? - No. - What the f*** are you gonna do? You're gonna be a barista? - No, I-- - You're gonna work in the services? - I've been applying for dispatch shots. - Are you nervous, lady? - Just to hatch. No one's gonna-- They're gonna look your name up, dude. No one's gonna hire you. And that's not unfair. You f***ed it. I'm sorry, you f***ed it. Rip? Okay. Not even a rip to your friend. He survived. So it doesn't even matter. Rip to your career. And that. New career time. - You're gonna do a lot of things. You're gonna do a lot of things. It was a bad time. It was rough. Continue. I don't know how to budget. And I need help with that. That doesn't matter if you really don't ever get a job. I have a job. No, you're not gonna, no, you're not gonna survive in California 23 and hour. 25. 25 and hour. You're not gonna survive. What are your goals? Because you went from home on ownership. You created your evil mega parents. Okay, very good. I apologize for that. Trauma and other 10 years of therapy for that one. I'll just keep stacking them. You're a homeowner. Ooh. Yeah. Yeah. I'm shaking them up boots. My Texas humid boots. I don't know. Great. Yeah, I know. So, why am I seeing a loaned a mom of $1,400? When I was unemployed, she paid my car payment. How long were you unemployed? California has an incredible welfare state for losers. Eight months. My unemployment was less than my mortgage. If you go on unemployment for losing a job, you're not a loser. That's there for you. If you stay on it forever, you're never look for a job. And you're like the people who react to do on the K-Lap hammer show over on our second channel, then you're a loser. Sorry, go ahead. I was unemployed for almost nine months. Why didn't you actually seriously go work in McDonald's? I don't know. I applied it like Target Home Depot Starbucks. Yeah, but you know what you did with your resume and all those I guarantee you. It's I just made it look like you wanted to take them temporarily just to pay the bills and go and get a better job. Just found out because the company that I work for now was. Why are tears happening? They're not. Okay, it just sounds like it. No, my one eye just keeps watering. No, I hear it in your voice, continue. Starbucks is bulls*** and a waste of money and you already know that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents of serving. Honestly, it literally tastes better. And we prove this accidentally via a blind taste test in our hammer elite show, Fat and Fatter. The number one ranked energy drink is. Gamer subs. 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. I just launched the brand new hammer elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer elite access for free. Download the hammer elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join. And that's a promise. I just found out the company I worked for was bought out and the HR lady told me last week that my eye resume is awful. Yes. Nobody is surprised. Again, as always, nobody is surprised. How are you? Why did you not put. You live in California? That's where a lot of the eyes being developed. Why did you not put it into AI and ask it? It would have told you that you are. And not only did your mom lend you money, she probably lent you an extra comb of the zone as well. Like, you are. Everything you are broken. Don't know what else to tell you. Do you owe her a monthly payment? Yes. Okay. I know we're going to call your mom in the post show. Tell her to stop supporting her ass. And she is an evil, mega mother. So, probably kick you out for looking like a gay, right? No, my sister's gay. Wow, what an evil, radical Republican. Your mother is for supporting your gay sister. I hate Republicans as much as I hate Democrats. But you're making me like them more. You shouldn't. They're for annoying. So, what's the payment plan for this? Your actual plan, not the plan. Because I know there's no literal minimum. But what's your plan? Your license. Be a hairdresser. Go dress in hair. Creature. Come on. I do occasionally. I don't have very many clients anymore. Well, no shit. Go work in a salon. You freak. You have to have clients in a salon. Yeah, but you can get some random drop-ins and build that list again. But you have to pay Booth rent and then you're not making money. Okay. Well, go to the most popular one you can find that has a Booth available and try it, right? It's okay. Okay, okay. Okay, let's make $25 forever. Right? You do know what to do. At least that's an option. You get a hair dress instead of being our employee for nine months. I was trying to get my clients to come back. They have not- We're sick and tired of you crying every time. No. You cut their hair? Not so happy with my work schedule. I was dispatching. When you were unemployed. Yeah, but they stopped coming while I was dispatching. And you're trying to get them back, though. Yeah. Why wouldn't they at that point? Because they found someone else right? Yeah. Okay. Why did mom give this to you? Yeah, go work in a blowout bar. I'm being told you don't need to have clientele. They're everywhere. People just book and generally don't care who they see. So there's not in me around me. Okay. And like I said, you have to go- I don't think there's- I don't think there's any. There's no. Glad you followed it up with that. Let's go to the map. I've never seen one. Oh, you've never seen. It's never seen. In my area. It's never seen. - I didn't say they didn't exist. I said I wasn't aware of any in my area. - I've never seen Las Vegas in person. Must not exist. - Never been to Vegas? - No. - No. - I should. - Okay. - Just see. - What's your address? I sort of believe in it. - My house address? - Oh, okay. Her town's small, but you're literally one. 15, 30 minutes from major cities. Yeah, no blowouts there. - I don't think there's a blowout bar there. - In the major cities? - No, I don't think so. - Girl. Okay, I'm seeing so many places. I don't know all that a blowout's hard to see on the map, but I have at least to check out. One, two, three, four, five, six, seven, eight, nine, 10, 11, 12, 13, 14, 15 places, 16 in the city just south of you. That's not even going into the city. West of you or the city east of you. Do some research, you come on, what are we doing? Okay, 25 minutes away, we confirmed. From your address. - I didn't know there was one there. - No, shit, you did on what? 'Cause you have no ambition. Disney rewards, quite a princess you are, huh? - I wouldn't say that. - 3,328 dollars and 62 cents, a 69 dollar minimum of the payment. 12 years to pay off. Still be unemployed. Okay, we have fees, we have interest, and we have balance transfers, and purchases, you're collecting them all. - Yeah. - Why? - Please on it. - Oh yeah, oh yeah, betcha. Why? - I don't know. - Okay. As always, the transfer for someone like you makes no sense. In the Caleb Hammer, like financial tools network, we have personal loans. We have debt, forgive this programs. We have car insurance, and we're adding more. Those are great tools for people like me, for people out there who can manage the shit, and if proven, they can manage the shit and use it as a tool. For you, a credit card transfer makes no sense. What are you doing? - I was trying to avoid the interest. - There is interest accruing. Okay, she's trying to avoid the interest. She's financially smart, which is why she went to boardwalk pizza, Chorobio, Tim Lampopcorn, Lockers Disney, Lightning Lane, Pizza Planet, Lightning Lane, World of Disney, World of Dinsy, Beverage Kiosk, Lightning Lane, Dutch Bros, Door, Dash, Door, Dash, Dutch Bros, Dutch Bros, Door, Dash, Red Robin, Dutch Bros, Red Robin. Yeah, that's being financially smart. That's doing really good as a 34-year-old who lives with her mom. - That's not. - No, this is embarrassing. - I know. - Almost as embarrassing as your not well thought out or well researched political views. - Yeah, yeah, why are you doing this? That's not good. You shouldn't be doing that. - No. - Yeah, why? Why are you doing that? What's my question? - (groaning) - Interesting. That is curious. Yeah, it's a big one. Here they come. (laughing) Goddammit. - Have you wanna take a moment? It's okay. - Yeah. - Yeah. - It's okay. - Okay, what's going through, honey? - I already feel like a loser. I already know all of that, but I also don't feel, I don't know that welcomes the right word, but I feel like a guest to my parents' house. That then like going grocery shopping and putting stuff in the fridge or the cabinets or doing any of that stuff that I would do when I owned my home feels like a burden. - Why? - My dad makes comments all the time about me being there. - What kind? - He, most recently, the one that I can think of, he said something along the lines of, well, we didn't know you were gonna be here for five years and it hadn't even been here. - Five years? - It hadn't even been here. - Okay. - But like the dramatic sarcastic comment of like I'm intruding on them, which I know that I am, but I already know that and I already don't want to be there and I already. - Here's the thing. - You are intruding on them if you don't have a real plan and right now you can't tell me what you are going to do and where you're gonna go. You are leaning towards Bay Area, but we know you're probably not gonna get hired in the position you want because of your record. Oops, without a real plan in real effort behind it, you are intruding. If you are putting real effort behind it, then you are someone they can help in support by allowing you to stay there. If you do nothing, you're an intruder. - I feel stuck and I don't know how to. - You're not. - I don't know how to. - Girl, only you are allowing yourself to be stuck. - No. - You just found out your resume was bad at 34. This is on you. I first started thinking about resume like 23. I've updated my resume. I also was also applying for federal jobs, so it is a little more geared towards that. - Girl, you can't just be applying to a job. We're going crazy, weren't we? - No, I know. But to the company that bought my company out, I had actually applied there. So they've essentially bought me with the company, but I was under the impression that my resume was, at least okay. - No. The city card, $593.55 with a minimum monthly payment of $35, you're purchasing on a card that you can't pay off why. Again, it's all bullshit, Amazon. Ooh, rent a card. Why are you renting a $500 card? How can you afford that? - Wait, what are you doing with your no time actually applying for jobs and updating your resume? - My. - Such a Disney trip. Another $1 billion company, you know they get lots of tax benefits, right? - Yeah. - Another tax situation is quite interesting. - Yeah, my sister works for Disney. - Oh yeah, big evil capitalist Disney. Was that a Disney? - Yes. - Yeah, champagne socialist, as always. You know you people are the most hypocritical people. I'd say people on the far right are really annoying. People on the far left are hyper, hyper, hypocritical, like it's crazy. And both scare the fuck out of me. Unfortunately, these days, further left. Further right scared me the vast majority of my life. Now the far left, I feel like I could get a, hmm. You know, any moment of my life 'cause he freaks because I yelled at someone who has extremist positions when I'm actually liberal socially, but I'm somewhere around the rant. Do you know that, right? You guys are really fucking hypocritical. - Evil corporations, capitalists, and then you just give 'em all your money. - I know. - Amazon, weren't you just hating on that warehouse that delivered that to you? - Yeah. - It's a shame they're able to get there on that two lane road to your house. - I don't, I don't shop on Amazon very often, but if I do, it's because-- - Who cares? - It's because I can't find it around me. - Just do it, man. Doesn't matter. Or yeah, no, live to your principles, your cheap principles. You don't have no real moral backing other than performative virtue signaling. Wells Fargo, what's going on? - That one has my storage unit on it. And it'll storage unit, too. Just get rid of it. It doesn't matter. Get rid of your shit. Get Facebook, marketplace stuff, and you start over again. It's gonna cost money to move it all. Can't afford the live anyway. Can't afford a storage unit. Big corporation target. Big corporation chewy. Massive corporation Spotify. Huge corporation Walmart. - Yeah. - Giant corporation Walmart. Dutch pros, Walmart. Walmart, Walmart. I don't know how that's bullshit, too. Ain't groceries. - I didn't know it is groceries. - Not all of it. That $2.34 was a snack. - No, Walmart splits them up. I'll get, I don't know why. But some charges, or they'll like refund it for something missing, or they overcharge you and then refund the money. - I don't know. Maybe. - 'Cause I do, I do. - Okay, when I do buy. - Audi? - Yeah. - You're almost seeing me have an Audi? Okay. - I was making money when I bought it. - Okay, get rid of it when you don't. I don't know. What's your job again? What do you do? - I do customer service at a plumbing company. - From home or there? - There. - Okay. - Okay, you owe $16,650 and $62 cents with what interest rate? - I think it's like $3.9. - Okay, that's not horrible. But the minimum's the payment is $7.85 for something like $25 is crazy. And what world is that possibly make sense? Let's see, what is it worth? 17? Mm. If you saw it, get a 10,000-hour car. You really only saving $6,500. But we do get to get you on a better payment plan. That shit's crazy. You're never gonna move out with a $785.51 payment on this. You're never gonna move out, right? - It would be-- - Half rent. - Extremely difficult. - It would, and we get rid of it. You make $1,000 on it, put $1,000 down on it, $10,000 on our car. That's it. That's the new beta, unfortunately. - Oh my car. - You're homeless. Americans in their cars. That could you prioritize a car over getting a place to live. Crazy. You're right, you are a burden on your family. If you prioritize a car over getting out, they're not wrong in that case. That's okay, you're crying, but listen, that's your choice to make. I have sympathy and tell there's things like this. - I know. - Right? Crazy. - So what did you want? And you wanted to talk about something Walmart really, did? - Well, I hate that I have to shop. I feel like I have to shop at Walmart. We don't, we do have grocery stores, but they're obviously more expensive. But Walmart's like the worst of the worst corporations. They, Walmart, like, okay, so I recently saw an article for-- - From. - Oh, I don't remember now. - But it was talking about a Costco employee who's been a cashier at Costco for-- - I actually really don't care unless you can tell me where the article's from. 'Cause that matters so much, you have to know what you are. - I don't remember. - I don't know. I know Walmart has heard some small towns. I know, but it's kind of interesting that the customer based in those small towns choose Walmart over the smaller stores. They chose it. It sucks, I don't like the outcome. But that is what's the alternative? You want the government to come in and fund those small stores? Like, yes, oh shit. - No, I don't. - Oh. - So like, okay, I mean, I can vibe with you, but I can't get to the real world with you. - Well, when our opinions are based on vibes, - I think Walmart's extra shitty. They pay their employees like 15 hours. They're minimum across the country. - And then, obviously a lot of those employees have to then get assistance and end up on tap and then those-- - Less today than before, but yes. - Okay, this is like, that's a talking purpose from like 2009, but-- - It gets spent back at Walmart. - Okay, that is like a 2009 talking point. That's crazy. Remember, using it myself. Remember, using it myself when I was a big Bernie, bro. - Just, it lives right where you went. - We go through big transitions in college, and some more than other, some lose their dick. I just went, you know, radical left, 'cause I was a music major. - There are issues on both sides of it, but I think Walmart is definitely-- - That went out the best. I would love to see people who pay more. - Grinit, yeah, everybody's gonna, most everybody's gonna use it to their advantage, but Walmart definitely is using it to their advantage, too. - And I think your argument that you started to say, and I would probably agree with you, is like, well, Costco treats the employees better, right? - Yes, which is, by the way, why most people prefer to go to Costco and there's a Costco versus a Walmart. Go to Walmart, here, you'll see, it's just trash. You know, why? Because they don't really take care of it. That'll probably be damaging to their company in a long term. Costco's are filled to the brim, and people there are great to interact with, 'cause they pay well. But they're getting the reward for that. Walmart's gonna take the hate for that. Let the market determine it. What are you gonna do? Crying alone? I don't know. So, 4,000 in savings, dramatically lower than 17,000. When it started, draining? - No, that I put it into a different savings account. - Okay, checking 804. But again, it's gonna be drained with bowl shit, Taco Bell, Dutch bros, Dutch bros, going to get in some bowl shit, pizza, bowl shit. Door dashing red robin' again. McDonald's, McDonald's, Dutch bros, jack in the box. Pro, you don't cook. Oh, that's not good. I'm sorry, you're getting a comfortable life. Come on, all your money's going to just feeding those dopamine's. Why would you move out? Why would you do ambition? Come on, I've been there, I know this. Jack in the box, Dutch bros, Dutch bros, Hollis, Hollis, McDonald's, Panda, transfer from savings. You had a transfer of money into the savings, so you didn't, so that you had more money, so that you could keep going to McDonald's. I have a cash set. McDonald's, peacock, Microsoft. Drainings isn't, savings isn't being drained. Huge, just super quick, but it is going down, which is a concern. 'Cause you have transferred some to checking, little by little. So 15 in this, and that high yield savings account, okay. That's good, I'm happy to see that. That's a good start. For your moving out journey, you just need to get a job, figure out your resume situation. I am so excited to call your mom the pusher. I gotta tell this woman to kick your ass into gear. I'm gonna yell at her for it. Yeah, retirement stuff, and it's like 400 there. And you got fees. Oh, 8,000 of this one, okay. That one's decent for your age very bad, but at least there's a number. Many people don't have a number. Ah, wait, nationwide what? It's a 457. Okay, 12,000, 292. Okay, good. Let's get your butt, well, not in your budget, I don't frickin' have like costs. But the budget and the important part of the conversation, it's about what you do from here. But let's just do it anyway. Make it make, you know, make it make sense. 3,100, you don't pay any rent to them. I do. Oh, okay. Well, it doesn't matter then, how much? 500. So that go to utilities and everything is well-nothed. Yeah. Extra for that, no, yeah. Okay, debt payments. Let's, let's, let's get rid of it. Not even a choice. Get rid of it. $1,000 down on a $10,000 car. Hey, luxury girl. 'Cause your debt payments right now are $914.51. Gas burn from drive drive, how much? Not much now. It will be when you go drive it to the blow-up bar. My work drive actually got shorter, just as much. How much? Two weeks ago. How much? So I would say probably 150. Phone bill. $60? Yeah, switch to helium if T-Mobile's getting that area somewhere, town goes to that. Okay, then maybe not. It is good from the vast majority of people out there, car insurance, how much? I think it's 169. Not the worst. You don't have to do groceries. Well, how does the food work if you stop eating now? Would you have the shop for yourself? For most of the stuff. Okay, let's give you 300. Let's just be generous. Which we have most of, let's be generous. Mill prep, mill plan. That's what you're doing. It'll be good for health as well. Tp fun, anything else you need to survive. We'll do about 100 bucks. That is tampons, it's toothbrush, toothpaste, all that good stuff. Gansome of it will be provided by the house, some of it, not like toilet paper. We'll be, but medical healthcare, any copays, monthly basis? Yeah, they're pretty high. How much? Probably like 500. What the? Therapy? No, I have one prescription that may injure and so then cover. Okay, and subscriptions. I'll try to do 40 bucks. I have any pets? I have two. What? Cats. Okay, 100 dollar pet insurance. How much for a cat food? Cats supplies. Probably like a hundred dollars a month. Car. I generally like buy a bunch of food at the same time when they have sales. Anything else that needs to be in this budget? I would like to know like what I could afford rent-wise. None, you have an extra hundred dollars. Awesome. So you're going to afford $600 a month? Yeah, you would have to do like public housing, subsidize housing. Nothing on this job. No, that's why I can't, like I said, your budget's not the freak out. The freak out is you need to get a job. You need to update our certifications. Maybe you'll get lucky, get a dispatcher job again. That's not lean on it though. Let's start to get our skills or resume together and get into a new career field. That should be your main focus in somewhere with opportunity. Unfortunately, that is the reality as well. That's it. I mean, I'm sorry, this isn't, this isn't doing anything. You're going to have to sell the car. The minimum payment goes down a little. Let's say $500 to $500. That saves you at extra $500 here. So, but that's pretty much it. From there, you just got to, you can pay after Wells Farger like that immediately. Once the car's sold and all that good stuff. And you got to chip away at the Disney and City. And that might take like a year or two with the current job, but with a better job much quicker. And then I'll send you your out or out. Actually, since those are training you, one thing I might do is I'd use the majority of your emergency savings and pay off those credit cards. - Okay. - Because they're training you now. I mean, you're losing more than you're gaining in any kind of high yield interest. So, math problem right there, just get rid of it. - What do I do with all my retirement accounts? - Leave them, roam over it eventually, but that's fine. - It just all in several places. - It doesn't matter right now. That's the least of your concern. As long as they're invested in something they're going. So, don't worry about it. You shouldn't be thinking about that for a while. Pay off these debts, get rid of the car, get a new car, get a better job. Those are the operations, okay? I'm gonna call them on the post show. Big confrontation we got to do here, but let's give them our financial scorpers. I'll spend it in a budget. Spending money, you definitely can't spend. Clearly, there's why debt is going up and savings is going down. Debt, no collections, but bad debt, family debt. Family debt, so give it one out of 10 emergency fund. There is that, you do have to save that. So, your debt score will substantially go up 'cause you'll put that, but your emergency fund score will go down. But for now, where it stands today, emergency fund, it's actually a ton of 10. Retirement? definitely behind for your age, but a three out of 10, real estate zero out of 10. (upbeat music) But I am happy that there's a retirement three is better than most people, unfortunately, especially in America. And with an age score, also better than a lot of people on the show, three out of 10. Get yours at kalehammer.com, now click the join button or the link in the description below to join Hammerly. Get three premium shows every single day, Monday through, Saturday, it's incredible, or you can go off platform on the Hammerly, to apporhammerly.com. Either way, same membership on all platforms, I'll be guys see you there. - So I know she lives with you right now. - Yes. - And your husband, her father, has said some side ways comments. - Your daughter is kind of a leeching off you guys. - Sure, I don't understand how she's draining her savings. She moved back home when she sold her house. We asked her to pay off her. - With the money that she got from her house, 'cause she had plenty to do that at the time. - Why would you hide that from your mom? - I just launched the brand new Hammerly app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammerly access for free. Download the Hammerly app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.