This Has Never Happened Before | Financial Audit

Summary

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Podcast Summary: Financial Audit – "This Has Never Happened Before"

Host: Caleb Hammer
Date: June 5, 2026
Guest: John, 37, Assistant General Manager, Arlington

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Overview

In this unusually raw and at times chaotic episode of "Financial Audit," host Caleb Hammer sits down with John, a 37-year-old assistant general manager from Arlington. The conversation rapidly veers beyond finances into personal and relationship dysfunction, accountability, and life choices, exposing a pattern of self-sabotage, codependency, and financial mismanagement. Humor is dark, confrontations are direct, and the tone remains brutally honest throughout—true to Caleb’s "call it as it is" style.

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Key Themes & Discussion Points

1. John’s Dysfunctional Relationship Dynamics

• Codependency for financial reasons: John remains with a girlfriend he doesn’t love (and openly disparages), primarily because sharing expenses makes rent affordable. He admits to staying solely for financial reasons and has told her as much during fights.
• Girlfriend’s health and self-care issues: John's girlfriend suffers from severe dental decay but refuses treatment, risking systemic infections. John is candid about his disgust and lack of physical affection towards her as a result.
  • "You don’t kiss your girlfriend cause her teeth are rotting out." – Caleb (01:29)
  • "Would you?" – John (01:35)
• Repeatedly fighting yet remaining together: Their connection is characterized by frequent conflict and a lack of mutual respect; both seem stuck.
• Relationship as financial survival:
  • "Rent’s expensive. So you stay with mouth?" – Caleb (02:42)
  • John acknowledges, "It’s a financial thing." (03:13)

2. Job Instability & Professional Conduct

• Frequent job loss: John details a series of firings mainly resulting from inappropriate workplace relationships and boundary-pushing conversations (including racially charged exchanges and fraternization).
• Lack of professional advancement: At 37, John remains an assistant general manager, often working for much younger superiors, and lacks a coherent career trajectory.
• Pattern of sabotaging opportunities: Self-sabotage is evident both professionally and personally; John often blames others or circumstances rather than taking full responsibility.

3. Serious Financial Mismanagement & Debt

• Excessive debt: John has over $40,000 in collections, plus $46,000+ in student loan debt stemming from uncompleted degrees.
  • "How do you have $40,000 in collections?" – Caleb (54:57)
• Poor financial discipline: Despite multiple job losses, John repeatedly allowed credit card balances to rise, spending beyond his means, and relying on minimum payments until overwhelmed by job loss and girlfriend’s absence.
• Questionable purchases: Even while unemployed and in debt, John makes ill-advised purchases—like a $10,000 hair transplant, multiple sets of AirPods, and a PS5 bought at scalper prices.
• No emergency plan: He has no emergency fund and justifies this by claiming ignorance or lack of money, despite years of steady employment.
• "You are incapable of anything." – Caleb (82:29)

4. Cognitive Dissonance & Excuse-Making

• Rationalizing choices: Throughout, John offers rationalizations for his actions—insisting poor alternatives don’t exist or that his poor decisions were necessary (“needed a reliable car at $34k,” “credit cards were my emergency fund”).
• Passive approach to life: He rarely demonstrates initiative or forward planning, relying on luck, others’ support, or wishful hope for promotions and better circumstances.

5. Contentious Social and Political Commentary

• Workplace conflict over race: John describes being fired for conversations with colleagues about race and “black fatigue,” which he frames as exhaustion with being called racist or dealing with race-based accusations. The conversation grows heated, with Caleb pushing back on John’s views and lack of self-awareness around the impact of his words.
  • "So you got fired for telling him he’s not a black guy?" – Caleb (37:02)
  • "We mentioned black fatigue…" – John (49:08)

6. Authentically Brutal Counsel from Caleb

• Relentless accountability: Caleb gives no quarter—pointing out each rationalization, confronting bad logic, and offering solutions John refuses to pursue.
• Insisting on independence: The host repeatedly urges John to establish financial self-sufficiency, move out, and develop basic life skills, pushing back against every excuse.
• Quotables:
  • "You’re a loser. I have loser fatigue." – Caleb (54:33)
  • "You can’t do anything. You’re incapable of anything." – Caleb (86:01)
  • "I’m done. You’re pathetic." – Caleb (98:20)

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Notable Quotes & Memorable Moments

• On John’s relationship:
  • Caleb: "So, I mean, me personally would leave a rotting teeth individual, even if that’s the only way I was affording to live. Right, Jonathan?" (02:14)
  • John: "Yeah…it’s a financial thing." (03:13)
• After John’s financial disclosure:
  • Caleb: "How do you have $40,000 in collections?" (54:57)
  • John: "I blame my girlfriend." (55:01)
• On workplace relationships:
  • Caleb: "You always try to your employees." (50:22)
• On buying expensive consoles:
  • Caleb: "You bought three different set of AirPods. What the is wrong with you?" (71:25)
• On car buying logic:
  • John: "That was the only car I could get."
  • Caleb: "Dallas-Fort Worth has no place to live...You’re incapable of anything." (81:39-82:29)
• On budgeting/behavior change:
  • Caleb: "Most people as you who get into this situation, they get a 20% raise, they spend 30% more … you never change your behavior." (28:08)
• On student loans and career:
  • Caleb: "Let’s have a $46,764 of student loans, too … for the nursing that you didn’t even finish." (86:13)
• Closing rebuke:
  • Caleb: "You’re pathetic worm, piece of deplorable nothing, a waste of human existence, disgusting creature." (98:16)

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Key Timestamps

• [01:29] – John admits not kissing girlfriend due to her dental issues
• [03:13] – Relationship revealed as financially motivated
• [13:54] – John’s admissions about job instability and workplace affairs
• [26:49] – Caleb challenges John’s anti-budget mindset
• [54:33] – Caleb: “You’re a loser. I have loser fatigue.”
• [66:41] – John blames girlfriend for going into collections
• [80:04] – Car-buying logic & debate
• [86:13] – Student loan and uncompleted nursing school
• [98:16] – Caleb’s final assessment and sign-off

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Summary & Takeaways

This episode stands out as a case study in what NOT to do – financially, relationally, and personally.
Caleb’s style shines as he systematically dismantles John's justifications, exposing how unresolved patterns of dependency, irresponsibility, and avoidance sabotage any quest for stability or growth. The show’s tone is ruthless but ultimately a wake-up call for listeners who may recognize similar tendencies in themselves, providing a raw example of why personal accountability is foundational to financial health.

For listeners seeking a roadmap to stability:

• Don’t rationalize or excuse poor decisions.
• Budget—track every dollar, and behave accordingly.
• Establish an emergency fund, no matter how modest.
• Take responsibility for your own financial survival.
• Don’t stay in toxic relationships for convenience.
• Seek help if patterns repeat—especially around employment and debt.

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"Join Hammer Elite. Three shows a day. Incredible shows. Everyone loves it for a reason." – Caleb (98:16)

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For more unfiltered financial interventions, subscribe wherever you get podcasts or join the Hammer Elite app for early and exclusive content.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. So you got fired for telling him he's not a black guy? He's not.

[B]

No, he was saying I was racist.

[A]

You watched Nick Fuentes? Just saw a clip of him dropping the N word.

[B]

It's just a word. We mentioned black fatigue because he was telling me a story. Then they said something about being racist and I was like, yeah, like we're tired of that.

[A]

Who's we? 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 Lifebox 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.

[B]

Hello, my name is John. I'm from. Not from, but I live in Arlington. I'm 37 years old and yeah, it's pretty much it.

[A]

Well, no, it's not.

[B]

There's a lot more.

[A]

Well, and this is Financial Audit. Certainly is. Listen, John, you made a mistake, my friend.

[B]

What's up?

[A]

And I'm sure we captured it on camera. You made a mistake. I don't know anything about you.

[B]

What? I do.

[A]

Yeah, the moment I sat down ready to film, you went to go pee pee. So Lindsay started telling me things. Oh, no. And now I know things about you.

[B]

So it's nice.

[A]

And you're weird. You don't kiss your girlfriend cause her teeth are rotting out.

[B]

Would you.

[A]

What is wrong with you, you beast?

[B]

Would you.

[A]

I wouldn't be with someone who has rotting teeth, you freak. What are you doing? Why are you with her? You want to leave her? I'm also being told fair enough, but you can't because she essentially makes it. So you're surviving, but you won't even like approach her mouth. You're just like.

[B]

Well, I would get her teeth fixed if.

[A]

Right. Am I doing this right? Is that.

[B]

Yeah. Well, if you do it from behind, you don't see that.

[A]

Yeah.

[B]

Yeah.

[A]

Okay.

[B]

Yeah.

[A]

Okay.

[B]

It works.

[A]

So, I mean, me personally would leave a rotting teeth individual, even if that's the only way I was affording to live. Right, Jonathan? Yes. Maybe you should do that.

[B]

Yeah.

[A]

What the is wrong with you? Why don't you give me your side? Because, yeah, that's. That's essentially the little bit of lore I was given when you had to go pee.

[B]

So rent's expensive.

[A]

Rent's expensive. So you stay with mouth.

[B]

Yeah, no, I'm working.

[A]

There's a lot of options. Okay? You swipe around the map to try to find another one.

[B]

What are the options?

[A]

Well, I don't know. I was asking you. Are you swiping on the apps to try to find another one to milk, just this time with a fold?

[B]

You know, it's hard to date while you're with somebody.

[A]

You won't even kiss her. I think you've kind of already moved on, just not in the actual physical way.

[B]

Yeah, it's. It's a financial thing.

[A]

Does she know it's a financial thing?

[B]

Jonathan, I think that she would have to know because, you know, we've gotten into fights and she's, you know, it's. It's came out.

[A]

What's come out? I'm only with you for money.

[B]

Yeah, I think I said that before.

[A]

The. And does she have no self respect? How did. How. How did she not immediately kick you out or leave that day? What?

[B]

Yeah, I don't know.

[A]

Do you have self respect? Is she. Who does? Who doesn't? Everyone doesn't, apparently, in your relationship. What the. Is going on? What's with it? Is she.

[B]

Yeah, no, she is.

[A]

Is she actually?

[B]

I think so. She actually ask her all the time, what are you. And you know, that leads to a fight. So I. I try not to. I don't want to lose, like, you know, half of my rent for calling her that, but for sake, dude, you know, so sometimes I have to bite my tongue and it's. It sucks to be honest, but.

[A]

And what's this rotting teeth thing?

[B]

Well, all right, so when you first meet somebody, obviously, like, I can see your teeth, right? I can see the first four, six maybe, but I'm not like in there looking around. Right.

[A]

And have a cavity.

[B]

Yes. I don't know.

[A]

Root canal. Actually, for what it's worth, don't ever

[B]

get a root canal. They're bad. It's a hollow tooth. They break easier. Just get an implant.

[A]

Okay. Okay. Either way, anyways, dental expert.

[B]

So. Yeah.

[A]

No. What's going on? You won't even kiss your girlfriend. What. What is happening there?

[B]

I don't know.

[A]

I've never been with a rotten mouthed individual. Do you have, like a photo?

[B]

No, she doesn't like to show me what's happening?

[A]

Is it nasty?

[B]

It's just. It's just they're breaking and you taste them, they're decaying.

[A]

Isn't she brushing her teeth or Going to the dentist.

[B]

Well, because it's not going to fix them.

[A]

Yes, it would. The dentist. Yes.

[B]

Well, yeah. Going to the dentist and getting them, like, replacement.

[A]

Asmin cold went to the dentist.

[B]

He got money.

[A]

He does have money. Okay, but I thought you were using her for her money. Okay, so it's a. It's a finance thing.

[B]

It's a little bit of money.

[A]

Why isn't she preventing the decay with, you know, brushing?

[B]

Yeah, she should have, but it's then.

[A]

Well, she can only slow it. No. Is it all teeth?

[B]

Yeah.

[A]

Every tooth is decaying.

[B]

Yeah.

[A]

Falling out?

[B]

I think so, yeah. I mean, she doesn't, like, let me go in there and look. She stops me from doing that.

[A]

But you've requested, like, excuse me. Let me in there.

[B]

Yeah. No, I don't want to show you.

[A]

How do you know it's bad?

[B]

All right, so she's been. She works with pets. She's been taking dog antibiotics because she gets infections and she can't go to the doctor. So. But about a month ago, her face started to swell up. Like, it looked like she had a baseball in her mouth. And she had to go to the emergency room for antibiotics. And they basically told her, like, yeah, if you don't get something done about this tooth, it's going to kill you. And she doesn't care. They'll take all your teeth out, apparently, but they won't, like, replace them. And she would rather die than not have any teeth.

[A]

So she's going to die.

[B]

She doesn't care.

[A]

Why are you with this woman? She wasn't like, it can't. When we first be the dollar. How long have you been together?

[B]

About four years.

[A]

Why am I not hearing her side? What would she say about her teeth? All this?

[B]

She would say that I don't like, I hate being alive, I don't care, etc. I just live in the moment, just worried about the next 15 minutes.

[A]

That's who you want to be with.

[B]

She wasn't like that when I first met her.

[A]

Okay, great. But she is so, like.

[B]

Oh, yeah. And then she. She's moved in. She's. We've been paying rent together, and it's just been ongoing.

[A]

Does she brush her teeth? I see a picture of her.

[B]

Can you please, please. This

[A]

you haven't seen. Oh, okay. What is happening here, man? Like, I get it. I'm afraid of needles. I have a little bit of a phobia on that whole thing.

[B]

She actually sent me this last night, so here you can.

[A]

She's sending you photos?

[B]

Yeah. She went to a concert last night.

[A]

She's kind of pretty.

[B]

Yeah. When she's not talking.

[A]

You enjoy any moment with her.

[B]

Yes. When she's not talking because all she does is nag.

[A]

Okay, so why are you with her? Is it only the dollar amount? No. Is this your breakup? Is this. Is this what you're doing? Are you coming on financial order to break up?

[B]

You know, she was mad at me for going on the show because I wish she would have came, but she's like, well, when are you going? And I was like, I don't know. And she's like, well, let me know how much longer I have. What does that mean?

[A]

How much longer she has?

[B]

Does she have. We're going to like be together. She was hinting on like moving out because I'm going on the show.

[A]

So she knows you come in on

[B]

here's the end, but I think she's just talking shit.

[A]

You guys still have sex?

[B]

Yeah.

[A]

Just no kissing.

[B]

Correct.

[A]

It stinks.

[B]

Yeah.

[A]

You can smell it actually.

[B]

Yeah.

[A]

How old is she?

[B]

27.

[A]

Oh, 27. Geez. Okay. Yeah, I mean, she was cute. She. She actually is kind of cute. It's kind of crazy.

[B]

I wish you.

[A]

I would take her nose ring out her.

[B]

I wish she would.

[A]

Okay, you have one.

[B]

She has like the one right here.

[A]

Okay.

[B]

It fits her personality.

[A]

Septum piercing.

[B]

You never heard of the nose ring theory?

[A]

Of course, this is this. It's essentially this show.

[B]

It matches, for what it's worth.

[A]

But I mean, I'm honestly, no, I like a little bit of, you know, I can. I can still have some fun, but okay. Oh, okay. I see. You hate that she's super liberal because you're on the right and watches right wing YouTubers all day and she hates that. And then she yells at you and then you smell her breath. So that's kind of what I'm being told.

[B]

Yeah. So I'll watch that.

[A]

She can't be here to defend herself. Oh, you're just watching Fresh and Fit and Andrew Tate all day. Okay.

[B]

Not so much anymore. But Nick Fuentes and et cetera, a

[A]

little more on the extreme side.

[B]

Yeah. I don't agree with everything that they say. I just think it's funny some of the things they say.

[A]

So you're into the rage bait stuff.

[B]

Yeah.

[A]

Okay.

[B]

Like Nick particularly. I think he's. I think it's funny what he does.

[A]

Okay, so you guys vehemently disagree in politics. She's nasty, yet you still stick it in. I don't really pull that up again. Pull Pull, Pull. Pull up the phone again. Let me see. Let me see. I have to see. I. I'm sure I'll dive deeper into the messages in the post show, but I just have to see what you guys are talking about. How often are you guys fighting?

[B]

Yeah.

[A]

You guys text a bit? Yeah, I guess. Your foot's hurting?

[B]

No, it was hurting before.

[A]

Okay, okay. She sent a picture of the dog. You guys have a cute dog.

[B]

Yeah, we have four dogs.

[A]

Does she know what's happening right now? So she's getting ready to leave?

[B]

Yeah, she went to a concert last night.

[A]

No, she's getting ready to leave you. Who's gonna leave who first? What is she gonna think when you're exposing her? Nasty.

[B]

I mean, do something about it.

[A]

Huh?

[B]

Then she should do something about it.

[A]

So you want her to leave. Are you doing that classic trick where it's like, do everything to make her leave because you're too much of a to break up?

[B]

I want to fix my life, and she doesn't want to fix her life, and she doesn't want to be a part of it.

[A]

So she said she doesn't know how poor she is. She doesn't care if she passes out. And I'm really confused. I think when it was come to just buying food, are you guys just not eating? What is your job? That's my first question. What the is your job?

[B]

That was in reference to, like. So I've been, like, meal prepping and eating quote unquote slop, and she refuses to eat it. She'll only eat, like, McDonald's or.

[A]

Yeah, there's a picture of her eating McDonald's. Okay.

[B]

Yeah, so.

[A]

Oh, she works for.

[B]

Yeah.

[A]

Okay, so she's not making much. What is she at, like, minimum wage?

[B]

Maybe like 15 or something like that?

[A]

What are you at? What do you do?

[B]

I'm at 21 and I'm. Can I say it?

[A]

Huh?

[B]

Can I say, like, where I work or.

[A]

Yeah, you can say whatever you want, man. What you say and don't say is up to you. Oh, my gosh. There she is. No, it's. It's not for the show. There's a completely swollen face right there. It was built up with fluids.

[B]

Yeah, it was an infection, so they gave her antibiotics and.

[A]

Good death, man. Good death.

[B]

Yeah.

[A]

Okay, sorry. Continue. Yeah. What do you do?

[B]

Basically? Management.

[A]

Management in what? Manage. You manage restaurants?

[B]

Yeah.

[A]

Okay.

[B]

Currently, I'm an assistant general manager.

[A]

Oh, assistant GM. Assistant GMs almost make nothing. What do you make?

[B]

21.

[A]

Okay, well, listen, Arlington, Dallas Fort Worth, area. It's kind of expensive, I guess. Yeah, I mean, it's just like. What the is wrong with her face there? This is insane. You guys are so weird, man. I don't understand. And what is. She's always sending pictures of these, like her in app. She has like these in app things.

[B]

What do you mean?

[A]

Like these games. Like, this is this.

[B]

Oh, that's Pokemon.

[A]

How much you guys spending on Pokemon? Oh, she don't make money. She doesn't make money. You don't make money. What are we doing? This is the weirdest relationship ever. Oh, and I see who you guys watch, but she doesn't like him.

[B]

She used to.

[A]

You do.

[B]

She used to.

[A]

Everything that moved on to the husband you stayed with, asthma. She moved to Hassan.

[B]

No, she doesn't, surprisingly. But yeah, everything that I start to like, she'll just develop a hate for it. Okay, so you first started watching you, I was like, oh, this guy's funny. Oh, you know, I'd watch the clips in the car and then all of a sudden it was, why?

[A]

What is there to even hate about me?

[B]

She just doesn't like.

[A]

So if I call her in the post show, what would she say?

[B]

I don't know. It's a good question. Okay, you're a piece of shit.

[A]

Well, how am I a piece of shit?

[B]

I don't know.

[A]

Because you help believe in personal responsibility.

[B]

Yeah. Accountability, man.

[A]

I am.

[B]

I know.

[A]

Okay, well, I'll look through even more of this in the post show, but let's get back to the conversation. Okay, so, okay, listen. It's hard to talk about a relationship with someone's not here. But I would just leave, man. Just leave. Just put. Get yourself. Put yourself. I mean, I'm being told you're into someone else at work anyway.

[B]

Well, I don't want to be homeless, so if I leave, I can't pay my rent.

[A]

But you're into someone else at work. Just.

[B]

Well, I'm not just moving with them.

[A]

That's what you do. That's not what I would advocate for. But that's what you do. You just milk women.

[B]

No, that's not like at work.

[A]

So what does she do? Is she the manager?

[B]

No. So when we broke up, I was talking to somebody.

[A]

Broke up?

[B]

Yeah, me and my girlfriend, we broke up last year.

[A]

I think I got back together.

[B]

Yeah, great.

[A]

Okay, go on.

[B]

So we broke up and we got back together, but while we were broken up, I was talking to somebody that I worked with and work with.

[A]

What? What, what? What? What is this person's position.

[B]

Oh, we had the same position.

[A]

She's an assistant gm.

[B]

Yeah.

[A]

No, she's not. With that reaction. No, she's not. Come on. Don't me.

[B]

Okay.

[A]

I need to. Me.

[B]

Basically. I mean.

[A]

Yeah, Basically what?

[B]

Yeah, we basically have the same position.

[A]

That's not a thing.

[B]

Why not?

[A]

What's her job?

[B]

So what's your title? We met because I was training at her store, so we had. Yes, we had the same positions and I was training at her store, so that's why we were both at the same store.

[A]

How old is she?

[B]

21, 22.

[A]

You're 37?

[B]

I am.

[A]

That's pretty, pretty advanced.

[B]

Yeah.

[A]

On that gap, it's age gap. Can I see what she looks like? You're going to try to get with her now? You're going to leave yours. You're 29 year old or 27 year old, like an age gap that's not that crazy. And you're going to leave it for this. And she's not an assistant GM. It's 21 if you are at 37.

[B]

Yeah, my current GM is like my GM. So you're just 19.

[A]

Okay, so you're just a failure if you couldn't get GM at 37. But you're not. Your boss is 19.

[B]

Yeah.

[A]

Is wrong with you?

[B]

Yeah. Okay.

[A]

You're a loser.

[B]

Let me.

[A]

Let's just be honest here. I think that's what we're starting to pick up on. And I get it. I mean, bro, she's not as attractive at all. She's a fat Hispanic. What are you doing? What are you trying to do? Or are you just interested in getting her to pay rent? No, that's a serious question. Looking for a better picture?

[B]

I am.

[A]

I'll look through those messages as well later. Okay, Now. Okay. She's cute. Okay. She's cute. Yeah. I thought she was fat because her tits are huge and it was just an angle of huge tits. So how are you pulling? Yeah, I don't understand. You're just. You're a deadbeat. You're a loser. You can't pay your own rent. How the are you pulling? Which means, by the way, if you can't pull out there, that just speaks to how bad there are tricks.

[B]

I mean, you can get to it.

[A]

How do you trick them?

[B]

In this case specifically? We were hanging out, we went out. I was talking about my dogs and I was showing them her photos.

[A]

You're like, I won't give you a raise unless you suck my dick.

[B]

No, I, I don't have any Control of her. So I was showing her photos of my dog. But you know how on the phone you can see, like, all the different photos? Well, there was, like, a dick pic in my photos. And then. So she's seen it, and she was like, oh, hey, let me see that. And I was like, oh, no. And then I started playing that game, like, where I'm just going to, like, push her away. Like, you can't see it. And then she kept wanting it more, and then. Yeah.

[A]

Did Andrew Tate teach you this trick? This is a Tate trick.

[B]

No.

[A]

So the trick is to show them a dick pic without with them.

[B]

Well, it just happened, and it just worked, so it's okay.

[A]

Is this person ready to take you on as her leech?

[B]

No, we. We dated, and then I started talking to my ex again.

[A]

And Rottenmouth.

[B]

Yes.

[A]

He got back with that. Okay.

[B]

Yeah. So we got back together, and basically I stopped talking to the other girl.

[A]

Okay, but now. Now that you're done with Current, you're going back to Youngin?

[B]

No, I don't think so.

[A]

What are you gonna do? Because your entire thing is not pain. Rent. If your girlfriend's gonna leave you after we film this episode, how are you gonna pay rent?

[B]

I don't think she will leave desperate enough. Well, I don't think she's desperate.

[A]

But you're not gonna leave her either. I thought you wanted her to.

[B]

I want to fix my life. And if she doesn't want to fix

[A]

it, then how are you fixing life? What is your fixing life?

[B]

Get my finances together.

[A]

Okay, so on a monthly basis with this job, this $21 an hour job, which, again, I mean, it's actually not horrible, if you work good hours in that area, you could do okay. You're not, like, living a life of luxury, but you can make ends meet. Yeah, her. Her wage, that's harder. But go ahead, tell me.

[B]

Yeah, with the both of our wages, it works out well.

[A]

You told Colton you're playing the long game with your coworker, so you're kind of.

[B]

What do you mean?

[A]

You're kind of lying to me. I don't know. You told him you're playing the long game with your co worker. You told him that you're playing the long game with your co worker. And then he told me you're not interested in getting with her.

[B]

So would I get with her again if she wanted to be with me? Sure. But we don't talk, so that's not. It's not like my choice for that to happen.

[A]

So what's your pay?

[B]

About 3k a month, I would say. Roughly.

[A]

Nats.

[B]

Yeah.

[A]

Okay. What? So you're fine at a thousand hour place. What's wrong with you? So is it a life of luxury? No. But you're okay.

[B]

So the house that I stay in, the rent 17.

[A]

I don't give a about the house you stay in.

[B]

But I only pay four to live in it. Some months ideally. So I have a roommate, he stays upstairs and he pays 800.

[A]

Okay. Split with him. Yeah. There you go. You're fine then take her out. There you go.

[B]

I don't have a roommate all the time.

[A]

Why is he not always there?

[B]

Because the air conditioning doesn't work very well and they move out.

[A]

He just consistently moves out. I've had inconsistently moves in.

[B]

I've had six roommates. Three years.

[A]

What the. Okay, who owns this house? Why is the landlord not fixing it?

[B]

One of my best friends, that's why.

[A]

Why is your best friend not fixing it?

[B]

Because he's cheap.

[A]

Yeah. Yeah. Okay, well, I don't know if that's long term play, honestly.

[B]

And we keep our friendship has been. Oh yeah, yeah.

[A]

Because who would have thought?

[B]

Yeah. So basically I moved here because he offered me to come here and then he left to go move to Thailand and.

[A]

Which you'll be doing soon. Yeah, that's where people like you end up. Come on.

[B]

Can you blame me?

[A]

Yes.

[B]

Why?

[A]

Get your shit together. Date a nice person here. You'll be fine. Yeah, but instead you just keep going for like, okay, yay, she just turned 21 and her boobs are huge. Let's her in the back of the store. Or there's a rotting mouth girl and we just put her face down and it's fine like that. Like you're just making insane choices here.

[B]

Yeah, I'm just stuck financially. I feel like.

[A]

No, you're stuck in the relationships too. You're just weird, man.

[B]

No, I just. Everyone wants to be in a relationship.

[A]

Sure. But again, you're stuck with rotten mouth. Like you're desperate enough to stay with somebody you don't even want to be with. You guys are completely not politically aligned, which many people make working relationships. But you guys clearly seem not to. You follow and extremist. Different directions anyway.

[B]

Yeah.

[A]

So no, it's not just about everyone wants to be in relationships.

[B]

So when we first met, it wasn't always like that. We got along, we hung out, we did things together. You know, we didn't fight and just slowly but surely it just got worse.

[A]

How much does your girlfriend pay to

[B]

the rent every week, she'll usually give me 150 bucks, sometimes 200 bucks. And then some weeks she'll have to pay back other people or she won't have a decent check because she didn't work as many hours. And then she'd be like, oh, can I just give you money next week? So if I had to guess roughly, I'd say somewhere between 6 to 800, she would contribute towards bills.

[A]

Okay, so listen, why don't you just move out? It's your friend. You've fallen out. Move out, get a place for a thousand bucks. Who gives a. About the roommate situation, the girlfriend situation. You want. Already want to leave that. Why not move out? You can survive off your three net. You can.

[B]

So where am I going to find a place for $3,000? Or, I'm sorry, $1,000 a month?

[A]

Dallas, Fort Worth area.

[B]

How much you need to move in first, last, security. It's like 3K maybe, potentially.

[A]

But we could get you there. Even if you borrowed that amount of money, it would still save you more in the long term.

[B]

Maybe.

[A]

No. Yes.

[B]

But right Now, I pay 400amonth right now.

[A]

But your roommate situation's in and out and you want to leave the girlfriend anyway, so this isn't reliable. This isn't long term. And isn't your friend raising on you anyway?

[B]

Yeah, he said it's going to go up like $300 next year.

[A]

There you go. So I'm saying a sense of little independence. Isn't that what you're looking for? Aren't you trying to get away from her? Specifically? I'm being told she hides you from her friends you don't even know.

[B]

Yeah.

[A]

Why? Why did she hide you?

[B]

Well, because we broke up. She doesn't want them to know that

[A]

we got back together, what, months ago, right? Yeah. How long have you guys been back together?

[B]

Last summer.

[A]

How. How do you guys.

[B]

Once a week.

[A]

That's crazy that you're even at that. Why? Why? Why is she with you? Why is she doing that? If you guys do not like each other, you want to leave. And it's only a financially dependent relationship. What are we doing? Why is she with you that way?

[B]

It's good sometimes, but it's rare.

[A]

Okay, so are we fighting for this thing or not? Are we trying to get you? Where am I trying to get you? I need to know.

[B]

I want to be able to budget. I want to be able to have money. Yeah, I would like to because you

[A]

were telling Colton that you're.

[B]

I would like to not Rely on another, on a girl to live.

[A]

I agree, but you were telling Colton that you hate that I tell people to budget themselves. Well, you said out of poverty, I guess I don't know if I've ever used that direct quote.

[B]

Yeah, but you're telling Colton said something like, you can budget. And they're like, well, I don't make enough. And he's like, well, you do make enough.

[A]

Like, yeah, you make enough not to

[B]

put like a dent in what I owe.

[A]

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 rate 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 get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99% 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 release 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 Y Refi. Head to yrefi.com hammer that is Y R E F or call 888 Y Refi 78, that is 888 Y Refi 78. Break free from the high interest trap and get your finances under control once and for all. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000, but even still, a sense of independence, being able to live your own life. If you pay off your debt. Longer period of time. Yeah, that's okay.

[B]

Maybe pick up a longer period of like 20 years.

[A]

I don't know. You could also go through bankruptcy. I don't know your entire financial situation yet. But how can you just be against me saying budget? That doesn't make any sense. Especially if you're telling me you want the budget. That's such a conflicting world view. I'm confused.

[B]

Well, yeah, I want to budget. I want to be able to be financially independent.

[A]

I want to tell you the budget is wrong.

[B]

No, you said budget your way out of poverty.

[A]

I don't think I said that, but even if I did, sure, maybe something

[B]

along the lines of that. And like you can't. You have to. Only thing, you have to make more money. Like I can't just make 3K and then, well, here's $200 towards 40K. Oh, here's $200.

[A]

Yeah, that would take a while. That's why things like bankruptcy exist. That's why debt consolidations exist. Credit card transfers exist, but not before you change your behavior for what it's worth. But there's a lot of options out. I don't think I've ever just said budget gets people out of poverty. And it's that simple. I don't think I've ever said that in my life. Why would I? That's so much more complicated than that.

[B]

It was something along the lines of you can still budget your way out of debt. Yeah, and I disagree.

[A]

Your way out of debt. You disagree with that. Yet your large purchases are $994 miscellaneous. Bullshit. Upwards of 300. Going out to eat was like $200. Subscriptions was an extra hundred dollars. Unknown. Shopping 235. Couldn't subscribe. Put that. Couldn't figure out exactly what that is. We'll figure out if it's necessities or not. Your phone bill itself is 2.7% of your spending. It's ridiculous. Yes, you absolutely can.

[B]

I mean, you are spending 2.7% for

[A]

the phone bill of your spending. Not Income spending. Your spending is more than income. Of your spending? Yes, of your income. It's even more. It's probably closer to like 4 or 5. But even still, regardless.

[B]

But if I, if I don't have 2.7%, if I don't spend that, that's not going to get me out of debt.

[A]

It's a part of it. And actually 2.7 would get 2.7 closer to debt. But either way, put that aside, you still spent minimum $600 on and it's likely upwards of a thousand six hundred on. Going towards debt. Yes, would put a dent towards debt. You can't tell me you can't budget your way out of debt. That's not how that works.

[B]

I need to make more money.

[A]

That's a part of it. But you get to choose where your money is going. More money accelerates. Yes, but usually people as you who get into this situation, they get a 20% race, they spend their. They start spending 30% more.

[B]

So what would you never change your behavior. So what am I supposed to do?

[A]

Budget.

[B]

Okay. But I don't make enough. So if I'm.

[A]

Then why would you spend 400 on 500, 700.

[B]

Well, what, what?

[A]

Okay, miscellaneous again, that's usually gas station or video games, something like that. Where you're stopping, just doing a quick swipe. 218, it was about 200. Also on going out to eat, it was a hundred dollars. On subscriptions, you spent way more at the grocery store than you need to do by the way for yourself. So she needs to contribute or something else needs to happen. Your transportation bill is absolutely massive. So you must have a car payment. That's ridiculous or something.

[B]

Yeah, I do think my car payment is.

[A]

Yeah, well, there you go. You made some choices. Other large purchases, we don't know how's it because like. Oh yeah, we'll have to get into that. But other large purchases, $994, we'll see where those went. But it is never 100 necessity or 100%. It is probably split down the middle. Meaning you had hundreds of bullshit in there. Plus unknown spending. Unknown was 235. That could be or not. Even if half of it is, that's an extra 1:50 to bullshit. Listen, that's at least $500 on bullshit. At least $500 on bullshit. Make more money or not, doesn't matter. That's $500 that could go towards that. That did not need to go towards bullshit. So you can't tell me, you can't tell me, you can't do that or what to do. What are you talking about? That makes no sense.

[B]

So 500 extra dollars and then now I'm in a thousand dollar apartment. That's where the money is. Nothing's changed.

[A]

Potentially. But also you have to make a choice. Do you want to be with her or not? It sounds like no. So you need to get her out. Which means your rent's going to be more than that $1,000 anyway. Especially if her roommate's gone. So you need to get out anyway. You're right. There are give and takes here and there. But even so, I mean, you're what? What? Housing? Maybe you had a sweater with other people. I had housing over 2000. So whether the something was broken. Well, there you go. Doesn't make sense. If you had a thousand dollars apartment, you're not going to have another thousand dollars in utilities. So yes, you would have saved money there. Okay, you see, 3,000 comes in. Let's see if that actually stacks up with the reality because. Do you actually know? I don't know. Well, it was actually more than that. For what it's worth, it was 4300. It was a good month. Good hours, huh?

[B]

So is that including like roommate payments?

[A]

No, it was payroll.

[B]

Payroll should not have been 4k.

[A]

It was 4383. Maybe it was a. An extra paycheck month because there are a couple months that are longer in the year. I don't know. If we just had one of those.

[B]

I would say every two weeks it's around 14, 1500.

[A]

Okay. It may have been an extra paycheck month. Those have. They have to pay.

[B]

I think I did get a bonus last quarter.

[A]

Maybe it was a bonus month. Either way, what Was your spending? That 43 came in. What was your outflow? Let's find out.

[B]

What did I spend it on?

[A]

I asked what you thought. Jonathan, don't be that. Do not reverse it on me. I asked you, come on.

[B]

I don't know where it went.

[A]

Not where I'm asking. How much do you think the outflow was? Number 4300 came in. Where do you think the outflow was? Not where. How much?

[B]

Less than that.

[A]

No, it wasn't. It was 5848.85. So just shut the up.

[B]

Really?

[A]

So you just don't know what the you're doing?

[B]

Man, that's surprising.

[A]

Surprising? How is it surprising? You don't budget. How are you surprised if you don't track, how would you know? How would you know? How would anyone expect to Know if you don't budget. I would never know if I didn't budget. I couldn't tell you where my shit went if I didn't budget.

[B]

Yeah, I basically. I have bills that have to be paid, and then I just pay them. And then I do spend the bare. I do spend the minimum on things that, like food, for example. Like, I don't go out. I don't go and do things.

[A]

Like, I have this pending in that spreadsheet.

[B]

Where did I go?

[A]

You objectively do. We'll go through the actual individual purchases, but it's already been marked by the accountant. Hundreds going out to eat. Hundreds on miscellaneous bullshit, hundreds on unknown purchases, hundreds on other large purchases. Yes, you did. A thousand on subscription or 100 on subscriptions. Yes, you do. You can't tell me they're not just because your. Doesn't make it so. It's right there.

[B]

I can explain it.

[A]

You can explain it, Then explain it.

[B]

Well, yeah, I had to see the individual purchases.

[A]

So if you. Even if you do move out or don't move out, does it even make a difference anyway? You lose jobs every five seconds of your life and being told, how long have you held down this job?

[B]

I've been here for over a year.

[A]

Okay, and you lost three jobs immediately before this one?

[B]

Correct.

[A]

Why? You have a couple months left and then you're going to get fired. What are you always fired for? You're getting fired left and right.

[B]

Just bullshit.

[A]

Oh, yeah. Let's try to have a little more detail than that since we're on a podcast where we talk. Yeah.

[B]

Okay. So a couple of months or a couple of years ago, I worked at a job and I got fired for fraternization.

[A]

So you always turn to your coworkers?

[B]

No.

[A]

What, are we done?

[B]

We're just talking?

[A]

No, I don't think that would just be. You don't just talk and then all of a sudden you're fired? One time. No.

[B]

Well, we didn't just talk one time, but.

[A]

Well, you were endlessly talking. They said, hey, need to work?

[B]

No, they said, like, you're in a management position and you can't talk to people.

[A]

Like doesn't make sense. Like inappropriately maybe.

[B]

Well, it was going. It was both ways. So, like, it was like she was doing it too.

[A]

Oh, and who's this? What were you guys doing?

[B]

What do you mean?

[A]

What are you doing? What are you talking about?

[B]

Stuff.

[A]

What's up, Jonathan?

[B]

Just stuff. Like we. Like we liked each other.

[A]

Oh, and what was her position?

[B]

She was under me, but I didn't have control over her. I didn't do her schedule, I didn't do her pay, I didn't give her hours. I did none of that. So I had no authority over her. But it's considered fraternization.

[A]

This was two years ago.

[B]

Yeah, two or three. Girlfriend, something like that.

[A]

Weren't you with your girlfriend that time?

[B]

I think so, yeah.

[A]

Oh, that would be cheating. Did you. This woman?

[B]

No.

[A]

Did you see her naked?

[B]

No.

[A]

Not even images?

[B]

No.

[A]

If you pull up your chat with

[B]

her right now, I don't think I have it anymore.

[A]

That's convenient. How? I know. Delete chats.

[B]

Yeah, funny story, actually. I have to take a bunch of pictures at work and my storage got full, so it was like, do you want to delete your messages? Because it was like 20 gigabytes of like.

[A]

Yeah, listen, I mean, I really don't give a. I don't. Unless you abused your power. I'm not the.

[B]

No, see, and if I did abuse my power, I would be like, okay, like, hey, like, if you don't go out with me, I'm gonna cut your hours or something like that. Then sure, yeah, I would deserve to be fired.

[A]

I'm relatively with you. I'm not like a weird TikTok Reddit, Gen Z moral masturbator that freaks out about everything. Unless you leverage your power, then it's not an actual abuse of power dynamic. So I don't really give a. But I can see why your boss would, and I think that's reasonable, that your boss would be nervous and doesn't want to deal with any of that shit, even if it's just drama and would fire you. That's not unfair.

[B]

I think I have to do something

[A]

wrong to like, he probably considered that wrong.

[B]

Well, she didn't.

[A]

Doesn't matter. Doesn't matter. Your boss did. And your boss is the one that fires you, not the person under you. And two other jobs, what else are you doing?

[B]

So the second job, you know, management. There's some guys there. Me and one of the guys were talking about just guy stuff, right?

[A]

What's guy stuff? And when you're a star, they let you do it.

[B]

You can do anything, whatever you want, grab them by the pussy, relationships, women, etc. Like, we would talk about sports, video games. Like, we would just talk about everything, right? And this particular topic, he was saying that he was oppressed. He was black. And I was like, you're not oppressed, etc.

[A]

Oppressed. That's what you said. Depressed.

[B]

I was confused.

[A]

How black had to.

[B]

Yes. Okay, so he was. He's. He's oppressed because he's black is what he was saying. And I was like, you make twice as much money as I do. How the. Are you oppressed? You know, our bosses are black. How are you guys oppressed?

[A]

How did you get into this conversation with a co worker? Obviously, that's going to lead to.

[B]

Well, why we're having a private conversation.

[A]

Because it's still a co worker.

[B]

He's initiating it.

[A]

Yeah, but you didn't have to get into it.

[B]

I mean, and, like, he would tell me things about, like, him and his wife or whatever. Like, he doesn't like to her because she has stretch marks, etc. So, like, we. We had conversations on, like, deep levels.

[A]

So, like, that's fine. But you were pushing back on, like, some racism stuff and they. You know how it gets weird, man.

[B]

Now I know. Yeah, but it's.

[A]

Buddy, you weren't young.

[B]

No, but, like, I should be able to trust the person you can trust.

[A]

I don't know. I. I've learned that you can't trust anyone, unfortunately. I've learned at this job.

[B]

Yeah, I wish you could, but no, you can't.

[A]

So you got fired for telling him he's not a black guy. He's not.

[B]

No, he was saying I was racist or whatever.

[A]

Were you? You probably were a little more than you're willing.

[B]

I said no.

[A]

You watch Nick Fuentes?

[B]

He's funny.

[A]

Sure. But I just. Just saw a clip of him dropping the N word on Twitter. It popped up, like, two days ago. Like, if that's. If that's the content, you're just a.

[B]

It's just a word.

[A]

Well, there you go. So he probably thought you were racist when you dropped the R. But I

[B]

told him, I said, no way. I've been with black girls. Like, I. Black girls before. Like, why would I.

[A]

That means nothing.

[B]

Why would I. Somebody like, I hate. I don't like pussy, but if I hate them, wouldn't I just not do that?

[A]

Like, you don't kiss a girlfriend when you. I don't think it's all about love for you. Well, when you're sticking it in.

[B]

Yeah, but I think you have to

[A]

like them for you to come.

[B]

You think guys have to like.

[A]

Yes, specifically.

[B]

You think I have to like someone to them.

[A]

No, that's what I'm saying. So I don't. I don't think. Even if you were racist, I think you'd still. The black person.

[B]

Well, whatever the argument is, if you're dropping ours.

[A]

And it's just a word to you. I mean, it is kind of.

[B]

I mean, I don't personally say it,

[A]

but it's a bad word. Let's be honest. I'm not someone that's sensitive about pretty much anything, and I'll drop almost any word on the show, but I mean, come on. There's. That is a. That bad word.

[B]

It's just a word.

[A]

Okay. But it holds a bit more weight than some other words.

[B]

Does it?

[A]

Yes, to them, but we're not them.

[B]

Get over it. Like, it's.

[A]

Again, I'm not someone who gets offended. I'm. I'm relatively. I don't want to say I'm with you 100% because I think you're going a little too far, but I don't give a words either. But also, I'm not the person to get offended. I also can't tell someone they shouldn't get offended. I can tell people they shouldn't be offended on other people's behalfs because those are weirdos.

[B]

Yeah.

[A]

But I can't call Tyler in here, call him the N word and say, you can't be offended. He's the black guy that works in the content side, by the way.

[B]

Okay.

[A]

Yeah.

[B]

But anyways, that's how that went. And then HR and. Yeah, so they let me go for that.

[A]

And then the third, walking around like you're just venting to Colton that you have black fatigue. I don't think that if you're just going around workplaces talking about your black fatigue.

[B]

No, I don't go around talking. We were having a private conversation.

[A]

Sure. Yes. But with a co worker. I can see how he might be offended. Listen, I get it.

[B]

But he brings it up.

[A]

Black fatigue.

[B]

No, the racism thing. He brought it up.

[A]

Yes. But if you're someone that goes around talking about black fatigue with people and you think it's just a trustworthy.

[B]

No, I didn't talk.

[A]

Dude, you don't even know Colton. You're talking to him about black fatigue.

[B]

So it's just like we mentioned, black fatigue. But I wasn't talking about.

[A]

He did it. You did.

[B]

I was not talking to this guy about black fatigue.

[A]

Giving it as an example where it's like, if you're willing to just go to Colton, who you talk to for approximately five minutes before you started talking about black fatigue, if you're that kind of.

[B]

He knew what it was.

[A]

Of course. Everyone knows what words are.

[B]

Right.

[A]

So we're all online.

[B]

We're not wrong with it.

[A]

That's not what I'm saying. I am saying, since you are someone who is so casually able to drop that into a conversation to someone you don't know, I'm not surprised that you were likely dropping other things in a co working space that that offended someone, and that person reported it to your manager. People get offended easily. I agree. People shouldn't get so offended easily. But I am not. I can't also tell. Just like I can't tell people they should be offended. I, at the same time, can't tell people they shouldn't be offended.

[B]

That's fair. But he can't say, hey, I think you're racist, and then I say, I'm not.

[A]

And then how many minutes into the conversation until black fatigue was dropped? Colton, we were talking about jobs, so. So 20 minutes of the conversation, we were talking about jobs, and black fatigue came up. How did black fatigue come up in jobs? How did it come up serving black people?

[B]

I forget how it came up, but I don't know.

[A]

You're the one that dropped it.

[B]

I don't remember the conversation.

[A]

I mean, trust me, you're not seeing me going on Carnival Cruise, okay? You aren't seeing me go on Spirit Airlines. Rest now, brother. We have the watch, and I'll see you in Valhalla. Like, I don't.

[B]

So you agree with Nick Fuentes?

[A]

Well, I don't watch it. What did he say?

[B]

Well, like, he wouldn't go on those either. Because of the people on there.

[A]

It's not even necessarily because the people. It's because the culture on there, though.

[B]

That's what Nick says. And it's like. Okay.

[A]

He says it like that. I don't think so. He just said the hard R. Well,

[B]

yeah, but that's what he's talking about is, like, that's why he wasn't. He won't live in those areas. That's why he won't go on those.

[A]

Live in those areas?

[B]

Yeah.

[A]

What do you mean? I mean, I have black coworkers. Wait, no. I have, like, a black. I have a black neighbor a couple houses down. Like, what do you mean?

[B]

No, you said you wanna go on

[A]

Spirit Airlines specifically because of all the rowdy videos and the Carnival cruises. All the rowdy videos. Like, if people wanna go there and party, like, the people on Carnival are partying, do that. That's not me. So I'm not. Yeah, but that doesn't mean I hate all black people.

[B]

Well, yeah, but just because Nick says I'm. I don't want to go on airlines.

[A]

What The. I don't know what he ever said either. I'm talking to you. I'm talking to you. I'm not talking to Nick. I don't give a. About Nick. I don't know what he said. I don't watch his shit.

[B]

Okay, fair.

[A]

So I don't know what you're defending this Nick thing for, but even. Even still. But I don't go around talking about black fatigue.

[B]

I don't go around talking about it.

[A]

20 minutes into a conversation with someone you don't know.

[B]

Subject.

[A]

The subject of what? I don't remember black people.

[B]

If he could recall it, then.

[A]

Can you recall it? We were talking about his job and why he lost your job. Losing the job for you being racist.

[B]

Oh, okay. So I think we were talking about, like, he was accusing me of being racist. And I said, yeah, like, we're tired of people. Like, if you disagree with somebody, you're just racist. So that's how that got brought up.

[A]

I have a fatigue of people that get offended by everything. I'll say that. But you said black fatigue. That you have black fatigue. That's different.

[B]

No, I said that he brought up the racism. And Colton, I were saying that. Yes, like, everybody nowadays will accuse people of just being racist. And then he's like, oh, yeah, you know, we have.

[A]

Yeah, they've called me racist for jokes. I agree with that to a certain point. Yes.

[B]

I'm just saying people have developed black fatigue because they're tired of that shit.

[A]

No, no, no. I'm tired of. Of. Of people that get offended by everything. I don't think that's black fatigue. I think black fatigue is a specific phrase and term, at least on the online that I've seen of. Anytime there's, like, a video of, like, a group of black people doing something rowdy, then they bring up black fatigue. Not when black people are offended.

[B]

No. I take it as, like, we get accused of things, and we're just tired of, like, that behavior. We're tired of, like, being accused of what we're not. We're like. We're tired of it. We're fatigued over it.

[A]

Of people getting offended. That's not Blackfoot, though.

[B]

That's why people are being called racist, because we are.

[A]

Who's we're?

[B]

We.

[A]

We?

[B]

Yes. Who's we? Well, me and you. Me.

[A]

Hold on. I don't think we're on the same level, buddy. So I know when and when not to have appropriate and inappropriate conversations.

[B]

Somebody calls me racist depending on the context.

[A]

That guy was a co. Worker, not your friend.

[B]

Okay?

[A]

You can be friends with your co workers. That's how. But this guy was just a coworker. And you're like, you're not oppressed. Black.

[B]

We worked together for, like, almost a year. We've talked about 100 different subjects. We've had deep conversations.

[A]

But you still don't know him. You talk about things at work. I don't know.

[B]

Well, he.

[A]

Okay, let's go straight to the source, if we. If we may. I think the source is probably what makes more sense. Oh, I thought that was the source. Can we bring in the source? Tyler, I'm with you on, like, the. The anti. Everyone's offended or the anti. You know, that woke shit. It was all annoying. The SJW, all that crap. That's like 2016 woke was like, 2020.

[B]

Yeah. So we have fatigue of that. That's what it is.

[A]

That's fatigue of people being offended by everything. Not of fatigue of black people.

[B]

It's not. We're not tired of black people. We're tired of being accused of those things.

[A]

Tyler, please just come over. This. This. This Tyler, this man says he has black fatigue.

[B]

That's not what I said.

[A]

You guys can have a conversation about yet what you. Yes, you did to Colton.

[B]

I did not say I have black fatigue.

[A]

Okay, what's it.

[B]

We were talking.

[A]

What did you say to your co worker? What did you say to your coworker? Your coworker said he felt oppressed because he was black.

[B]

And you said, so he called me racist.

[A]

And I said, why would he call you racist? What did he say? What did you say?

[B]

He was saying that black people are oppressed. And I said, well, how are you oppressed? You make twice as much money as I do. And I was like, and our bosses are black. They make way more money than we do. So how are you guys oppressed? You guys are the living definition of not being oppressed. And so he's like, oh, you're racist. What'd you do to him? Did you do anything? No. I thought we had a pretty good relationship. Like, we talked about a lot of things.

[A]

Why do you say you were like, he was oppressed?

[B]

Did you say something to him?

[A]

Like, what? You can get 200 in bonus cash right now? Listen up. If you want your savings to actually earn something, I got something for you. The average savings accounts right now are paying around 0.39% APY. So if you've got 5,000 hours saved, you're earning, like, 20 bucks a year, and it feels like an insult because that's about nine times lower than what you could be earning with chimes. High Yield Savings Account, you can earn 3.75% APY. That same $5,000. That's about $188 a year. $168 more for letting it sit in a better spot. That is a new pair of headphones. That's a weekend getaway. That is real money and not a joke. I tell people all the time, your emergency fund should not just be sitting there doing nothing. Mine's in a High Yield Savings Account because I want it growing but still accessible. No lockups, no hoops, no nonsense. It takes just a few minutes to sign up. There's no monthly fees and no minimum balance, which means you get to keep your money. Revolutionary concept, isn't it? And they make saving stupid easy. With their automation features, you can set goals like an emergency fund or a vacation roundup, purchases automatically or send part of your paycheck straight into savings. Go to that link or click the link in the description below or scan the QR code on screen to start earning 3.75% APY. Don't put this off. Sign up today and actually make your money work for you. Let's get back to the show. June 1 I'm launching the Hammerly app, available on every major platform. Exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off off the annual plan in the month of June only. Plus I have an 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 Lifebox 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 package 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 wait list by using the link in the description or pin comment down below. So mark your calendar June 1st. This is the best membership you'll ever join and that is a promise.

[B]

No, we're just talking about just things in general and he just says that like black people are repressed, I have it easy, blah blah blah. And I was like well no, you make more money than me.

[A]

He says he black girls so he can't be racist.

[B]

Like, if I've dated black girls and I've been with black girls, like, you

[A]

could still be racist of black girls, bro. Like, that's.

[B]

That's a possibility, I guess.

[A]

Yeah. Look at me. But anybody can sure any race and still be racist.

[B]

I'd be like, yo, this.

[A]

This black.

[B]

You can do that.

[A]

While you. I don't know what you say. I don't know what you do. That's a possibility. And then he told Colton 20 minutes in that he had black fatigue.

[B]

That's not what I said.

[A]

Yes, you did. You just did.

[B]

We mentioned black fatigue.

[A]

Oh, you know black. No, no. I want to know what he says. I want to know what he says.

[B]

We mentioned black fatigue because he was telling me a story and. Or I told him the story and then he said, yeah, we had somebody else here. Or then they said something about being racist. And I was like, yeah, like, we're tired of that.

[A]

Who is we? We? Colton shaking his head no, I never

[B]

said I had it.

[A]

Who is we? So that means you and somebody else. Who's the. Who the is the we? Who is we, everybody?

[B]

I think. I think the. I think we're lost right now.

[A]

Okay. Thank you, Tyler. You're welcome. Sorry. I am lindo on Twitch streaming every day, Central Time, 7:00pm Listen, I'm with you. I am the. No, I'm not. Hold on. Recorrect, recorrect, Rewind. I am very much of the. Why is everyone offended by everything? These people are so annoying that are offended by everything. Wah woke wah SJW Bullshit. I'm. I'm the Cancel culture bullshit. Blah, blah, blah. I am against all that dumbassery, but I feel like you go a step further. That's all I'm saying.

[B]

Well, we were having a private conversation and.

[A]

Yeah, but we're not. Okay? We are not, because millions of people are watching. So just make your point clear and known. I don't know.

[B]

Anyway, so that's why that happened.

[A]

Okay? So you can't hold down jobs because you try to your employees.

[B]

And so the third job I was making. Yeah, yeah. So I got another job, and I was making 47 a year. 47K. And all the other managers are making 65. Okay. And so I was like, all right, well, let me prove myself after a while, and then I'll ask for a raise. And I got let go two days before my 90 days.

[A]

And why?

[B]

They didn't give me a reason.

[A]

Okay, well, obviously a shit employee. You are a loser. And for what? It's worth to wrap up the fatigue conversation. I do have a fatigue of ghetto people. I also have a fatigue of white trash people as well. I have a fatigue of all the if I drive in the Mexican community and they all have the spikes on their wheels and I can't go anywhere, I have a fatigue of trash people of all races. So let's just be honest there. You could put me on a type of carnival cruise with a bunch of trailer trash white people and I'd have a fatigue of all their meth mouth. Okay? So that's what I have a fatigue of trash people.

[B]

Okay.

[A]

Of which you will see black people and white and Mexican and Yeah, yeah, yeah, yeah. So I think that's fair. Fatigue.

[B]

Sure.

[A]

You seem to have only signaled out black. What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best one. Okay. If you want to figure out your financial score, go to calebhammer.com see where it is. Take the assessment. Figure out where you stand in the world of money. Where you're doing poorly, where you're doing very well and how to get better. And if you do not want to be like a guest who ends up on the show, make sure you download the dollar Wise budgeting app. When you sign up for the annual version, I will personally sign my 30 day detailed meal plan which comes with the digital version of the cookbook and I'll mail it directly to you. This is awesome. It's changed a lot of people's lives. Join the tens of thousands of people who have done it Dollarwise.com or just download it or click the link in the description below. There you go. Now you can meal plan.

[B]

Thank you.

[A]

Or you know, I don't whatever the you do. Do you cook? I don't know.

[B]

Well actually I just recently started meal prepping.

[A]

Oh so you should probably lock someone down cuz that hair is thinning.

[B]

Mine?

[A]

Yeah, it's going I just woke up and go no no no, it's thinning. Doesn't matter if you woke up.

[B]

Well I didn't do anything to it.

[A]

Doesn't doesn't change if it's thinning or not.

[B]

Where's it thinning?

[A]

At the front?

[B]

Well, yes.

[A]

Specifically deeply in there.

[B]

Yes, specifically left. Right.

[A]

No the middle. Thinning, right. Yes it is. I see your scalp in there.

[B]

I had a hair trans.

[A]

Oh. So it's just a thin transplant. So it's just not thick?

[B]

Well, generally people that do that they go back for a second procedure like a follow up procedure. But I Only had one.

[A]

It's gonna be there soon, you know, so you might want to lock down someone soon.

[B]

Probably. It's like three years ago.

[A]

Okay. Okay.

[B]

It was a lot worse.

[A]

See, this is. I. I want to go on the money, but then I'm just fed another insane thing about you because you're a crazy lunatic. You were lying to a co worker about being in the military, bragging about being in the military to your co worker while trying to get your co worker to go enlist. Like, what are we. Who am I dealing with here? You're a freak. What is wrong with you?

[B]

No, he said that he was thinking about going. I was like, yeah, you should go. He's like, oh, you did it. Yeah, yeah, sure. Okay.

[A]

Why are you lying to him about being in the military, though?

[B]

Well, it's better than working at that job and.

[A]

What? No, just. What? Okay, don't work at the job. Sure, but why about. Why lie about.

[B]

Because now he's doing something with his life.

[A]

So you're the hero by lying about being in the military because he enlisted.

[B]

I'm not trying to be a hero.

[A]

Stolen valor. Got someone to actually do real valor.

[B]

Yeah, like, you're such a weirdo. Man. He did something. He's doing something with his life now. And I'm glad for him. I'm happy for him.

[A]

Yeah, but what about you? Lying about being a service member.

[B]

Who cares? Like, I don't mean no disrespect or anything like that. I wish I could serve, but why can't you? I think I'm too old now.

[A]

Tool for the draft. Can you. Can you not just do random things? Even still, I don't know. For everything. Oh, I don't know. Maybe. Okay. I'm not sure. Okay. Oh, collections a lot. 40,000. How are you? You're a loser. I have loser fatigue.

[B]

You want me to find a new girlfriend? Yeah.

[A]

Well, no.

[B]

Well what?

[A]

I didn't even say that.

[B]

But you should leave someone together.

[A]

No, but you should leave someone you're not interested in. Instead of leading along, I will say that and maybe. No, I don't think any girl deserves you. I have loser fatigue. You're a loser.

[B]

If I had 40,000 collections, everything would be fine.

[A]

You do have money. You've managed it incorrectly. 40,000 in collections is insane. What is wrong with you? Pathetic worm.

[B]

Yeah.

[A]

How do you have 40,000 in collections?

[B]

I blame my girlfriend.

[A]

But of course you do.

[B]

Yeah. Spent a lot on her. And then when I lost my jobs, it just went downhill from there.

[A]

Tell me. I Need to know more. Well, so how long were you in between jobs to rack up? 40,000 to throw it into collections?

[B]

So I want to say about four years ago, I got a credit card, and I was like, all right, I'm gonna start building credit. I used it as a debit card. And every month I would pay it off. I would pay it off every single month. And then I would get any credit limit increased or you get a second card. We get a third card now. This one's for Amazon.

[A]

And what were you making during this time?

[B]

Maybe like 1500 a week.

[A]

And you're racking up how much of credit card debt?

[B]

Well, I was paying it off every single week, really. And then so the job was not really going anywhere. So I found a new job. It paid less, but there was more opportunity for growth. So I was like, okay, I will take. I will get less money now for an opportunity to grow and get more money later. And it didn't pan out.

[A]

What is your career plan? Cause you're nothing. You are nothing at 37, you're nothing.

[B]

I don't know what my career plan is. Like, I've just made a bunch of mistakes.

[A]

What do you want to do?

[B]

Going, I want to help people. No. Yeah.

[A]

Help people in what way?

[B]

I want to help people not have to grow up and live how I did.

[A]

Okay. That's not a job. Define that job.

[B]

What job is not a job. But, like, what do you want to

[A]

do for a living?

[B]

You. If I could help somebody, like the guy that went into the military, like, he was gonna work at the same job.

[A]

So your job is gonna claim that you were in the military?

[B]

No, it's just a one conversation.

[A]

Okay, so what job can you define that you can make money on, and that's helping people? I can think of many. I don't know if you'd qualify or I'd want you there, but I'd like to hear you think of some.

[B]

So I used to do nursing.

[A]

What, you were a nurse?

[B]

Yeah, kind of.

[A]

You can't kind of be a nurse. Nursing assistant.

[B]

So I did medical assisting and X ray, and then I went to school for rn, and then I didn't finish it.

[A]

There it is. He didn't finish it. Very good. Okay. Because I was going to say, you can make very good money being a nurse.

[B]

Yeah. And, you know, people would always say, like, oh, why do you want to be a nurse? And I was like, well, obviously the money. Right. But, like, yeah, I want to help people, but, like, I don't want to Help people in the sense of take their medicine. Help them in like bandage them up. Like I want to help people in a different way.

[A]

Social work, psychology.

[B]

Social. Yeah, yeah. I mean it doesn't really pay well.

[A]

Therapy. No, but it pays better than you're making now.

[B]

Yeah. No.

[A]

Probably has a lot of schooling. Can you complete schooling? I don't know.

[B]

I don't think I can do schooling anymore when I was in school.

[A]

Volunteer workout outside of when you're doing things. I mean your girlfriend works at. Go work at a pet shelter. Volunteer money if your passion is helping. But you don't. You can't complete any kind of passion

[B]

is to do xy but I don't get paid for. I'm not going to do it.

[A]

Okay. So. Okay, so fair enough. So it's. We're talking about only the career obviously

[B]

I wanted for my passion.

[A]

But what kind of helping then? Only mental it seems. But you're not willing to go through any schooling.

[B]

Well, I mean I can't but I would like if I can help somebody.

[A]

You're clearly into the youth. Why don't you just become a youth pastor and touch some people? Touch their hearts.

[B]

No, I don't do any of that stuff. That's. That's gross.

[A]

Uh huh.

[B]

Yeah. No, that's gross.

[A]

Uh huh.

[B]

Uh huh.

[A]

Okay. Yeah, sure. Are you religious?

[B]

I believe I don't practice particular.

[A]

Okay. Pastor's not it. I'll get you a course career certification. They don't really have a help someone certification. It's usually the trades and tech. A lot of people out there have converted them into six figure paying jobs. But I don't know what to do with you because this 40,000 hours of collections. You lose your job every second because you try to. And then you try.

[B]

There's one person and then not just

[A]

one person because it's a job you have now you also were someone so you. This is a continuous thing.

[B]

So we train together.

[A]

I know but you're still coworker.

[B]

No, I trained at the store after I left the store that's when I got her number and we started talking.

[A]

But do you not work for the same place? Different store but same corporate.

[B]

Yeah, different.

[A]

So there you go. So again no. They try to people constantly.

[B]

That's different.

[A]

Which again I don't really care. But you are facing consequences for. No. And then you're making uncomfortable with your like racism stuff and uncomfortable.

[B]

That's bullshit.

[A]

Like maybe I probably agree that people shouldn't be so offended easily but either way you face the consequences of your actions. Agree with them or disagree, it still happened. And then you lose jobs constantly. I do not think you being in a position where you could be helping people is going to last very long because you always do things that people deem inappropriate.

[B]

So I can up up to here and then I help people, not up. That's what I want.

[A]

How? Define what that job is. There is. What is that job besides like a council and stuff that would require some kind of degree which you can't complete. What job can you do? Or else you're literally just gonna be like a line cook for the rest of your life.

[B]

Yeah, I don't know. I'm trying to figure it out.

[A]

No, you, you have nothing. You've never thought about this?

[B]

Well, like I said, I was doing the nursing thing and then now I've moved here and things haven't been going so well.

[A]

Nursing, okay, but you don't even like, believe in like medications, I'm being told. So how can you even do nursing if you don't even believe in medicine?

[B]

I believe in medicine. I don't. Oh, I don't agree with antidepressants at all. I think in general, they pick one, they throw it at the wall and see if it sticks.

[A]

Isn't that what a lot of psychiatrists do? You do a medication, they check in, see if it works, see if they need to change the dose or switch to a different medication. Isn't that oftentimes what happens? Yeah, well, they can't test to see.

[B]

Well, yeah, I just. Sometimes it works and sometimes it just doesn't work. I think most of the time it doesn't work. Like me personally, I've been on three different ones and they didn't work. My girlfriend, she's been on three different ones. It didn't work. Okay, so my.

[A]

Isn't it person to person instead of just flatlining and saying no?

[B]

Sure, but.

[A]

Because we overprescribe in this country objectively, but that doesn't mean flat. Nothing works.

[B]

Right. I just think that it's not a net positive, like just to give people. All right, so if you were to give me a pill and say this is going to fix your life. I don't think that would fix my life. I think that like you have to do different things, you have to get therapy, you have to make better decisions. Like honestly, for depression, for example, if someone's depressed.

[A]

But it does work for some. I agree. We over prescribe and for everyone. No, and honestly, a lot of the best things we found to get out of Depression is honestly just working out and keeping busy. Like we have learned that.

[B]

But not to avoid it. You don't want to avoid it.

[A]

Not for avoiding. But when you're busy, you also just.

[B]

You're running from it.

[A]

It's not necessarily just running, but when you're not just sitting there, you're not just sitting there. And you're not like stewing in it. Yes, that is a part of it, but also in just working out and being healthy usually lowers depression, anxiety, all that good stuff. But even still, some people, medication has helped. If you're going to be in a position of power where you're helping people, but you're like telling people that no medication will work for them.

[B]

Like, we can't say no, I didn't say no medication will work.

[A]

Okay.

[B]

We were. Me and my girlfriend were having an argument about antidepressants and that's generally how the arguments go. We'll be having a good time and then she'll bring up some video or meme and then.

[A]

Why don't you not argue? You cannot argue. Well, I don't agree with my girlfriend on everything, which is. I know, I know to pick my battles.

[B]

Yeah, that's crazy. That like my opinion would cause us to argue.

[A]

But you're also arguing though.

[B]

No, I give my opinion.

[A]

It obviously heats up to where you're both arguing though. It's not. There's no such thing as a one side argument, which shouldn't.

[B]

I should give you my opinion, you give me yours.

[A]

But why are you triggered enough to continue the argument?

[B]

She gets triggered.

[A]

Yes, but you're triggered enough to continue the argument.

[B]

No, I try to stop the argument.

[A]

Okay, yeah, sure. Okay. Yep. Totally believe that. I'm definitely calling her in the post show because I do not believe you.

[B]

I hope she answers.

[A]

I hope she does too. Collections again. So let's see. These must be the individual ones. Capital one. You just did you 12,000. You racked it up in 12,000 with what? With. What did you rack it up to 12,000 with?

[B]

So I was using them for everyday purchases, like my debit card. Right. And then I would pay them off at the end of the month.

[A]

Yes.

[B]

Yeah. And then when I lost my job.

[A]

But it went up to 12 000, though.

[B]

Well, I think a lot of that's probably interest. Well, not a lot, not most of it. Maybe like a quarter of it.

[A]

I'd say about 2, 000 of it.

[B]

Because the credit limit was like 9 or 10.

[A]

I think you went up to 10 and then you didn't pay anything. Then it just accrued and fees was up to 12.

[B]

Yeah, that's fair. So.

[A]

So what 10 did you put on it? I understand you lost your job. That's hard. You didn't have an emergency fund because you're an irresponsible 40 year old. Pathetic. But either way, you lost your job. Why didn't you have an emergency fund? Because you just thought your girlfriend would just save you forever?

[B]

To be honest, I didn't really look into finances. Like. Yeah, like a lot of people don't know what 401ks are. They don't know.

[A]

But that's just like basic savings. Rainy day fund. Everyone knows rainy day.

[B]

No.

[A]

Yes, everyone knows what a rainy day fund. Now do you know the nuances? Should it be in a high yield? Should it be. And treasury? Should it be 1 month, 2 month, 3 month highest deductible on insurance? No, but rainy day fund is a basic concept that most people at least know exists.

[B]

Yeah, I don't think that I've made enough money to.

[A]

That's not. That's not true.

[B]

Be able to. Thousand dollars. Like.

[A]

No, it's not a one time thousand hour thing though. It's just like, oh, I'm putting $50 aside for rainy day.

[B]

$50 a month here and there.

[A]

Yes. It's taxed up over. Over your adult working life of almost two decades.

[B]

One rainy day for six months.

[A]

Huh?

[B]

If I'm saving $50 a month for six months and I'm.

[A]

It would help prevent you going to 10,000 hours of debt that you then never paid.

[B]

$50 wouldn't have made a difference.

[A]

And then. Yeah, a month for 20 years. Yes, but even still. Even still. Put that aside for a second. Once you got a job again, why the did you just let it sit? You didn't do anything. You allowed it to go to collections. Now you have to get an apartment at some point that isn't by your friend because your friend's raising rent. Your girl's not going to be there because why would she? Or you don't want to be with her? I don't know. You think she won't leave? We'll see. But even still, you'll have to get an apartment. Who's going to approve you? $40,000 in collections. Exactly. So you're. So what? Now you're set to stay with a place that rent's going to be raised? That's your only option?

[B]

Yeah. I'm hoping I get a promotion. I'm hoping that I make more money.

[A]

Also. Who's going to promote you. Monotone weirdo, impossible to be around.

[B]

I disagree.

[A]

Okay, well, you haven't made it very far by 37, so. Clear. Why are you the. Your boss is 19. Why are you getting the promotion?

[B]

Well, yeah, because people get promoted.

[A]

Like I, not you.

[B]

Yeah, I do my job.

[A]

So why do you think you're gonna get promoted? That you've clearly been overlooked for a long time?

[B]

No. Well, I've only been at this job for.

[A]

In every job you've been overlooked, you're not very good at working.

[B]

No, I've been promoted in other jobs. I've been doing good in other jobs.

[A]

So what, you've been fired three times?

[B]

Yeah. Over.

[A]

Okay. Yeah, trying to. And yeah. Okay. You. Okay, so you got the job. Why weren't you putting anything towards this though? It's still the question. Because that'll repeat again in the future.

[B]

All right, so when I lost the job, obviously I'm spending more money on it and I'm not paying it off at the end of the month. So the. So if I spend 3k a month on everything and then I don't have a job, that 3k is going on there and it doesn't get paid off. And then. So two months, three months. Not sure exactly how long I lived on off of it. But then the next job I get didn't make as much as I was making.

[A]

Even still, why not try to just get to the minimums? Cuz minimums you can call them, be like hardship. They'll put it at like 1%.

[B]

So I was making minimums on all of them. And then the final nail in the coffin was when she moved out after I lost my job. The third time she says it wasn't because I lost my job, but she

[A]

finally realized how pathetic you were. Why'd she come back?

[B]

I don't know.

[A]

Oh, she should have. She needs to run to the dentist and then run away from you. This is crazy.

[B]

I don't know. But she did so. But she left. And that's when I was like, well, now I don't have her income. Now I don't make my minimums.

[A]

This is insane. You consider her income. Yours is crazy. Okay, well, J.P. morgan, now that's $8,345. What was this? Also just living. I mean, I'm being told things like Nintendo and as well. I mean, you were still getting. You didn't cut down to at least cut your lifestyle lower while you're unemployed?

[B]

I don't really have much of a lifestyle.

[A]

Is your Amazon card. This was just Amazon. Yeah.

[B]

So when I was doing good, I was paying off my cards every month. I had one card that I would use as my debit card.

[A]

And then you're unemployed. Yeah, we've heard the story. Why didn't you cut back when you lost your job to just barebone necessities?

[B]

Yeah, I should have.

[A]

Oh wow. Okay. Yeah. See what's concerning is without any kind of acknowledgment of that, without me bringing it up, how's that preventing you from doing that again in your future when you inevitably get fired? Which by the way, when you're unemployed. TV for game rooms, TV for bedroom, Futon for your dogs. Starbucks is bull 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 gamer subs 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 Game Sauce. 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 gamersupps 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 banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday 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 can you still got to do the work.

[B]

Those were when I had a job.

[A]

Okay, well, you didn't pay those off and it just allowed to crew.

[B]

I was making decent money when I bought those things. And then it just started to go down and snowball and then I would stop buying things.

[A]

So if you lose this job, the same exact thing is going to happen because you're just continuing that pattern. Discover card 7138. What was this?

[B]

That was my second card. Is this the same thing as the Capital One card?

[A]

Okay. Or are they so everything. This is. You just allowed everything to go to collections at the same time. You didn't go back once to try to make minimum payments. You didn't call and like, hey, hardship 1% lower minimum.

[B]

Yeah, I talked to them one time and they said, yeah, you can make a minimum payment of 600. And I was like, that's insane.

[A]

So with this one specifically, I don't know. But you are also being insane with this. You bought three different set of AirPods. What the is wrong with you?

[B]

That was when I was making good money.

[A]

Okay, so it's the same thing every single time. You're. When you made good money and then you're not cutting back. When you made no money and then when you started making more money again, you were and didn't put anything towards it.

[B]

When I was just because money. I had money.

[A]

Making good money. When you were making good money, you spent a thousand on a PS5. Like, just because you were making good money doesn't mean you were making good choices.

[B]

You were a PS5.

[A]

You're for a thousand dollars. Yes.

[B]

Everybody was paying for it back in 2022.

[A]

You did that. Oh, you went to the. Oh, resale PS5.

[B]

Everybody was doing that.

[A]

Yeah.

[B]

You couldn't get one.

[A]

You didn't need one.

[B]

Well, yeah, I don't need shoes either, but like.

[A]

Well, yes, you do.

[B]

I mean, I could have come here with no shoes.

[A]

No, I don't think you'd be letting no shoes, no certain. No service for a lot of places.

[B]

My point is, is that I don't need a lot of. Like you don't need a lot of things, but like, it's entertainment and I bought it.

[A]

That's insane.

[B]

So again, so should I just never play a game?

[A]

Because the mindset is the concerning part. Because you're going to make decent money again, like, you make okay money now for the area. Okay, so with that, you use that logic and say next time something pops up and you want it like that 1000 hours. PlayStation 5, you'll just get it. It's the mindset that's deeply concerning.

[B]

Take the next gen PlayStation that comes out or the Steam. Steam box is coming out. Like sure, I already know. Like I'm not gonna buy that.

[A]

The Nintendo Switch intel is there and it's exciting.

[B]

The Nintendo Switch 2 has been out, right?

[A]

But you didn't.

[B]

And I didn't buy it.

[A]

Cares though. Did you need that? How did it even sell? How well did it do? I don't even know.

[B]

I thought it broke records, but it

[A]

probably did because it's good for kids and I don't know, it is fun, but. But the next gen gaming consoles will probably be a bigger and more exciting update.

[B]

If I had expendable money, yeah, maybe I would buy it.

[A]

But you didn't there though. You were putting on credit cards and you didn't pay them off.

[B]

Well, I was putting on credit cards because I was paying them off every month.

[A]

Not every single time though. You didn't only stop. I can see you didn't only stop once you got unemployed.

[B]

The first time I missed a payment was when she left.

[A]

I need to talk to her.

[B]

And then I made a decision, like I don't have her half of the income. I can either pay rent or I could pay minimum payments.

[A]

So why aren't you trying again now in these collections?

[B]

Because I don't have the money to give them.

[A]

That's not true. Again, when we get to your spending account, you do spend money. But even still.

[B]

So like my what? They go, oh, send us $500?

[A]

Yeah, maybe. Which you can save up over a course of a couple months with the bullshit spending you do. Absolutely. Why aren't you trying anything now?

[B]

How long would it take off to pay 40,000 was. I mean, five, I don't know is generous, but 500 monthly?

[A]

Well, maybe, but even still, 300 monthly. You could save up and negotiate the smallest to largest. Or even still not even that. You could get into like a program, one of those programs that now will start negotiating on your behalf. Like the national debt relief stuff.

[B]

Yeah, I've called them before and basically you put money into a pot and then they have a big pot and they say we'll negotiate this price and

[A]

yeah, okay, but again the. What concerns me is the behavior. This isn't the first thing. This the first time that things have gone to collections. Things have gone to collections previously and you had cards go to collections in the past. Just had to let them roll off and now these have gone to collections. You're going to wait till they roll off. I don't know how you are going to be able to get an apartment on your own, be able to do anything. That's why your car debt must be insane. We'll see. But it has to be. Why?

[B]

Because my car, I got a good deal on it. I got 3% on my car.

[A]

Okay, well, lending club, 5185. What was this?

[B]

That was the hair transplant. So when I was making good money,

[A]

how ugly were you?

[B]

Yeah, I was balding. Yeah.

[A]

US Hair transplant.

[B]

Yeah.

[A]

Why did you do turkey or something? And even Canada?

[B]

I thought about it, but you couldn't

[A]

afford this to save your life.

[B]

Yeah, sure.

[A]

Maybe you're paying off your other cards. Before that we talked about the three. This was insane.

[B]

So when I got the hair transplant, I talked to them and the Lending Club, they give you. They said I was approved for like $50,000 or something like that.

[A]

Yeah, they'll approve people for debt. That's how they make money.

[B]

That's a lot to just give somebody it. So I did the hair transplant and I was like, okay, I'm going to pay it off. And then when I pay it off, I'm going to get my girlfriend's teeth fixed.

[A]

Does she even want that?

[B]

Well, yeah, of course she wants her teeth fixed.

[A]

Okay, but she just won't do removals and then get implants later?

[B]

I think so. No, but I mean, she doesn't want to go like around without any teeth.

[A]

It's not every tooth, is it? If it's every tooth, that's good. What drugs does she do? That's crazy.

[B]

Well, normally you would see somebody with like meth teeth, meth mouth, and that's. No, she doesn't do that.

[A]

How is she having every tooth rot at 27? Okay, so you were gonna pay this off or you were gonna get her teeth done?

[B]

I was like, all right. So I'm using my credit card as a debit card. I'm paying it off every month. And then now I got this card for Amazon. I got a Best Buy car because I bought a washing machine. So I was like, well, if I ever need like a appliance, like a refrigerator, I can just go and get it and then make payments on it in case of an emergency. So that was kind of like my emergency fund. Like, I had my card and so

[A]

it's the poorest mindset you can have, having a credit card for an emergency fund.

[B]

So I started out with a. I think it was like a thousand dollar credit limit. With one card and then I ended up with like 3 cards. Close to like to 10k each. So yeah, like I had an emergency fund if I needed to buy something and then I can make payments on it. Such as? Like the washer machine fund.

[A]

It's other people's money now. It's in collection. You're.

[B]

I, Yeah, I get that now. But yeah, I got the washing machine with that, but with the.

[A]

So how much was the hair transplant?

[B]

Like 10.

[A]

Good death, man. So you were paying on it for a bit?

[B]

Yeah, every. I never missed a payment until she left.

[A]

Well, you've had this job for a year. You couldn't figure out how to make any payments for a year? That's not looking good for the future is what's concerning. I understand maybe the first few months you played catch up, but having this job for almost two years now or a year, whatever it is.

[B]

Yeah. So now I'm making enough to where I'm just like covers all my bases,

[A]

I don't think so. You're spending more than you made it. It doesn't really make any sense.

[B]

But yeah, just I don't. I'm not able to save money. And then when I do save money, like I told my best friend, I was like, I have $1,600 saved up. He's like, okay, good. And I was like, well, next month when my roommate moves out, I'm going to have to spend it on rent. So that constantly.

[A]

And then when your girlfriend leaves, I don't know, and you're blaming them for not paying their bills. You're kind of jaded by the women and your roommates and everything, right?

[B]

Am I jaded by them? No. He's a nice guy.

[A]

My roommate girlfriend, she moved out. She left all of a sudden you're in debt.

[B]

Yeah.

[A]

She's going to do it again because you're pathetic. Well, and she probably should care credit.

[B]

Yeah. We have a dog. We have four dogs.

[A]

And I assume you did not have pet insurance.

[B]

No. Would petting insurance cover a surgery like that?

[A]

Yeah.

[B]

Okay, well, what surgery? So he had a tumor growing in his throat?

[A]

Yeah, probably. It'll cover like good pen insurance will cover what, 20 to 50,000 hours a year depending. But it's like 50 bucks a month, so.

[B]

Well, yeah, we have four pets, so I mean that would be.

[A]

It's stacking. But then you don't have a 8000 hour card or whatever the that was. LVNV funding always pops up. There it is. Thousand hours. What happened there?

[B]

Which one was that?

[A]

Oh, well, that's, that's what it's been sold to. I don't know what it was, but it was collected.

[B]

I think that was like a credit one card.

[A]

Okay, here's your car. Okay, so the good deal you got on, it's the interest rate of 3%. You're right, 3%. Not crazy.

[B]

I had good credit, I was making good money, I was doing good until I lost my job.

[A]

Remind me what your good money was one more time.

[B]

1500 a week.

[A]

Okay, sorry, you do not get. Right now you owe $34,120.84 on it.

[B]

No, right now I don't owe that.

[A]

No. Well, what is it? What's owed on.

[B]

I think that was the total.

[A]

Okay, so it's 13,000 left. So 34,000 is what you borrowed, making $1,500 a week. No, you were not making good money. Also, you're making the same amount of money now anyway.

[B]

1500 a week.

[A]

Oh, a week. Okay, so thousand dollars me. In that instance, you're making $6,000 a month. Okay, even still, a 40, almost 40, 000 hour car in that situation is insane.

[B]

It was a Civic and it was like, okay, it's not like it's an Accord. It's not like the turbocharged Civic car. It is, it was literally the base car.

[A]

It's a price of a car that you cannot afford. And now you start car. Can't afford it.

[B]

I needed that car.

[A]

Yeah, that's why you stretch it out to a 75 month term. Well, yeah, you didn't need this car, you needed a car.

[B]

How could I get a car? A car?

[A]

Yeah, you go and find it. What are you talking about?

[B]

Like that's the only car that I could get? No, that was the cheapest car there

[A]

in Dallas Fort Worth.

[B]

Yes.

[A]

I went about to be the third largest metro in the entire country and this was the only car in the metro.

[B]

Didn't have cash to pay for a car.

[A]

Doesn't matter. I didn't ask you to.

[B]

Okay, so I went there, no money down, doesn't matter. Got 3% there.

[A]

There's a shit ton of dealerships there.

[B]

I went to Honda, that was the base model.

[A]

Okay, but you didn't need to get this. You could have got a 10,000 hour car, 10,000 hour loan with the worst interest rate and still paid a lot less over time and had to pay for.

[B]

They don't have $10,000.

[A]

They absolutely do. They don't have Dave Ramsey 2000 hour cars, but they do have 10,000? What are you talking. I'm helping my brother get one right now.

[B]

Yes, they literally do the $10,000 car. The Honda dealers. There's no way.

[A]

Honda, I don't know. Well, yeah, but if you go to like go to Honda, if you go

[B]

to a buy here, pay here dealership,

[A]

you don't have to go to Honda.

[B]

You would still have to put money down.

[A]

You can. I wouldn't even advocate for this. But you could have borrowed. First of all, when you're ranking good money, you could have put $500 down on a $10,000 car. But even still, put that aside because you make every excuse in the world, you're making so much good money, even so you can put that on a credit card, which would have been shit. But you $10,000 car.

[B]

Reliable?

[A]

Yes. Yes. Yes. How? What do you mean how?

[B]

I'm driving like 30 miles a day to work one way. Okay, that's reliable.

[A]

You chose where you lived, by the way. But even still, not really. Yes, absolutely. Dallas, Fort Worth, there's a lot of places to live. Thousand hours.

[B]

Shut the up. No, I ended up here because it was the only place to stay, so I moved here.

[A]

That's not true. Yes, Dallas, Fort Worth has no places to live. See, everything is. You can't do anything in your life.

[B]

I moved here.

[A]

How is a $10,000 car affordable? You take it to two mechanics before you purchase it to get it certified that it will not break on you. This is what people do. It's what I'm doing with my brother right now. Things happen 34,000 hours.

[B]

So what happens when I'm driving to work and it breaks?

[A]

That's going to a mechanic first. Again, you're incapable of anything.

[B]

There's no guarantee that it's not going to break down.

[A]

There's no guarantee that a 34,000 won't either.

[B]

Well, when it does, I get a rental car and my car gets fixed.

[A]

You will get that, but with a 10,000 hour one that leaves you in a debt free position much quicker. With a lower minimum payment that allows you to save up an emergency fund quicker, which also replicates being able to get a $10,000 car if you need to. You are incapable of anything.

[B]

You think the car, a $10,000 car would not have been a good idea

[A]

because no, you can't say that. You do not know.

[B]

Yes, anything could have happened. But the car that I have now, it's not gonna break. Okay? If it does break down, I'm gonna get, I'm still gonna get a Loaner

[A]

car you are leading to. It was a conclusion that 100% of the time your 10,000 hour card car would have broken down. That's where your mindset is.

[B]

Yes, I was prepared for that and I wanted to prevent that so I could get to work. Because if I don't get.

[A]

It's not 100% chance that would have happened.

[B]

No, but it's still a big chance.

[A]

No, not a big chance. If you do proper maintenance and everything. Absolutely not. We have people on the show that do that again. My brother, family members. Absolutely. This happens all the time. That's what I did. And it wasn't a $10,000 car, it was a $3,000 car. But it's a different era.

[B]

We're assuming that there are $10,000 cars.

[A]

Yes. Because I'm literally having my brother get one now in an area much smaller than dfa.

[B]

Who's he buying it from?

[A]

Who's he buying it from? A dealership.

[B]

Okay. A dealership selling a $10,000.

[A]

So first of all, a used car dealership.

[B]

Cars, dude.

[A]

What are you talking about?

[B]

Like Honda, for example.

[A]

If I go to Honda, they don't obsess with Honda. It's not only Honda. It's not the only brand that any dealership.

[B]

They don't finance you cars that are older than seven years.

[A]

Okay, okay, let's find some options right now. Which by the way, you're like, how can I find a $10,000 car? Well, your car is only worth 15,890. So by the way, that's closer to where you can find some 10,000 hour car. So you're getting pretty close to it. But you owe, what was it? 17?

[B]

18.

[A]

13.

[B]

17. Right. Then you saw that.

[A]

Okay, 13. So your car right now, the one you have is getting close to that $10,000. So let's say you got a 13,000 hour car. There you go. You would have got the car you have now.

[B]

Okay, well, they don't have those cars at that dealership.

[A]

At that dealership you're obsessed with, it has to be at that dealership. Your logic is broken. You're incapable of going to another dealership.

[B]

No, I went to a couple, but the car that I had, I had a Honda already. That was leased and.

[A]

Okay.

[B]

And the lease ran out, so I brought it back.

[A]

You pretend like I give a shit.

[B]

They gave me the most money towards it.

[A]

How much do they give towards it? Not much. Because you still owed 34 when you bought it.

[B]

Yeah. You know there's a car fee Nowadays, it's basically like a. We have three Hondas on the lot. So you have to pay more for this car. Now, you know what fee I'm talking about. It's some kind of fee that they charge now where it's like quote unquote, in demand. So we're gonna add a 5k tag on top of it.

[A]

Okay. Yeah. I mean, maybe a little inventory fee. Sure. Just pricing it up because of demand.

[B]

Yeah.

[A]

So actually maybe I could. I could see that making sense.

[B]

Yeah. So that was on there too. Which.

[A]

Great. You chose to be at that lot at that dealership. I don't care. You really make.

[B]

I just don't see where I would have got a $10,000 car.

[A]

Of course not, because you. I didn't say no. Money down.

[B]

But 500 and not paying like 20% a month.

[A]

Wouldn't have been 20%. It would have been closer to like 10. It's not great, but you would have paid it off a lot quicker and saved a lot more money anyway.

[B]

I would have saved more money on 10% and 3%.

[A]

Yes. At a $10,000 car over the 75 months that you borrowed this. 75, I would have got you at a three year loan. Absolutely. 75 months is insane. Yeah, okay, great. Wonderful. Rebuttal. But then regardless, if you don't look, you're right, you'll never find it. And if you don't take a mechanic, you're right. It'll break. If you don't do all the you have to do when you're living a lower income life, then yes, you will always be.

[B]

I needed a car.

[A]

I know you did. You had to go to one Honda lot. Shut up. I'm done.

[B]

I needed a car.

[A]

Shut the. Shut the up. What's your minimum car that was reliable? Yeah. No other cars are reliable than a brand new car. Shut the.

[B]

I could have went to Dodge. I could have went to Chevy. I could.

[A]

Shut up. What's the minimum payment? The argument's done.

[B]

520.

[A]

Shut. Dude, you're just pathetic. You can't do anything. You're incapable of doing anything. Okay, sure, yeah, why not? Let's have a $46,764 of student loans, too. Yeah, for the nursing that you didn't even finish. How long were you in school?

[B]

I was in school two different times. I went to school for two years. The first time was 25k.

[A]

For what?

[B]

Medical assisting and X ray.

[A]

Oh, my second time.

[B]

Second time was for registered nursing, dude.

[A]

And you can't complete. Okay, so These are federal? Oh, yeah. Department of. They're in good standing. So that means you're making minimums. That's good. How much are you paying?

[B]

Zero.

[A]

What?

[B]

They don't ask for money at all?

[A]

They probably will soon. Was the last time you've logged in? Because even under the repayment assistance program, it's as low as 1%.

[B]

Like after Covid, they would extend it.

[A]

Oh, no. You know why you're deferred. You need to see when your deferral ends. You're under deferral right now. Once your deferment ends, you are going to owe, and that could be in a matter of weeks, if not months. Deferments are coming to an end immediately. I'm surprised you're even on it. You must have specifically publicly requested it. Maybe you didn't even know.

[B]

I mean, I know they asked for money one time, and I said, well, I'm not making money to pay. So they.

[A]

Maybe it happened when you're unemployed, but they'll see with your taxes. They'll see when you file. Did you file last year's taxes yet? And.

[B]

Yeah, file every single year.

[A]

How much did you make last year?

[B]

Oh, 34.

[A]

They'll see you making money. I mean, it's not great. I mean, you can get in the repayment assistance program. They'll see this soon. And you're going to owe on your student loans, man.

[B]

Yeah, I'm worried about that, but.

[A]

Well, not really. It'll be as low as 1% of your income, depending.

[B]

I don't know how they're.

[A]

Okay. So you went into this nursing program while you're dating a Florida girl. So you moved to Florida to do this?

[B]

No, I was. I lived there. That's where I was born.

[A]

Oh, that's why you didn't complete your degree. You're arrested right before the final exam. What is wrong with you?

[B]

I didn't do it.

[A]

You're such a creature. Of course you didn't. You never do.

[B]

I had no record.

[A]

What were you arrested for?

[B]

Allegedly.

[A]

Allegedly. Yes, Allegedly. What?

[B]

You.

[A]

What were you allegedly arrested for?

[B]

She would just call the cops on me and. Yeah, yeah, she was abusive. She would call the cops on me.

[A]

What did she say you did?

[B]

Well, she said that I hit her, okay? But she would hit me.

[A]

You said she tried to kill you with a knife, so you smacked her with a chair, gave her a black eye, and you fled the cops.

[B]

No.

[A]

You fled before the cops came.

[B]

I did. They were trying to text. They were trying to ask me a question, and I just didn't respond to

[A]

them because you fled to Texas. When Colton asked you if he had a warrant out for your arrest in Florida, you said, I don't know, maybe.

[B]

I don't.

[A]

You said, I don't know. Probably.

[B]

I don't think so, but.

[A]

Well, you said probably to Colton.

[B]

Maybe I hit a woman with a chair. No self defense.

[A]

Well, yes, but you still hit her with a chair.

[B]

Yeah, she was coming at me with a knife.

[A]

A chair is such an interesting weapon.

[B]

What? Would you defend yourself?

[A]

I'm not 100 sure in the moment of a chair, but

[B]

throw it so

[A]

in a black eye it doesn't really look good when the cops show up. I get it.

[B]

Well, that's why I didn't talk to them when they answered the door.

[A]

Was a self defense. We'll never know. I know you. You'll say it is.

[B]

I've talked to her and she's admitted it.

[A]

I'm recording.

[B]

No, but we've had conversations ever since then. So if it was actually true, would she still be calling me?

[A]

Well, I don't know. She sounds like a crazy obsessive.

[B]

Yeah.

[A]

Okay, how old was she?

[B]

My age.

[A]

Okay. Checking account. I mean, you have a thousand two hundred in here, so I don't understand. Like you can do things well. Okay, you stop in and get some. What are you getting for like $5?

[B]

Which place?

[A]

Well, this is Kroger for $5.

[B]

Kroger is usually milk or something like.

[A]

Okay. Just for $5. Okay, you got a one time thing. Apple bill. Apple bill. You can't tell me you don't have money to put towards things. You went to McDonald's, then you went to McDonald's, and then you went to McDonald's.

[B]

No, no, no.

[A]

You went to three McDonald's, then you purchased the Steam game for $75.70. No, no, no, no, no, no, no. Except it's right there.

[B]

So the McDonald's was for her and she paid me you in cash.

[A]

Okay. $75 steam game.

[B]

Yeah, I did buy one. Uh huh.

[A]

Shut the up. So am I static?

[B]

Am I not supposed to play any game ever?

[A]

I'll play the games you already have. If you can't play your pay your debt, you don't get to cry. So if you can't make a $50 payment to student loans and I have to come bail your ass out, you don't get to get a $75 game. Go yourself, you privileged creep.

[B]

So I can never do anything fun again until my death's paid?

[A]

Sure.

[B]

That's ridiculous.

[A]

No, Obviously not. But you do not have to go purchase a brand new $75 Steam game.

[B]

Sure, I could play a game.

[A]

You have. Go to a park, watch the kids. Things you like to do.

[B]

I don't watch kids.

[A]

Of course not. There are a lot of things you can do for free. D and G plan.

[B]

So that's. I have washing machine insurance.

[A]

Insurance.

[B]

So my washing machine broke like twice during the warranty and they came out and fixed it.

[A]

Okay, Twitch. You're paying for Twitch Sub.

[B]

That's her subscription. And she gives me money for it.

[A]

Why is she on your checking account? Because she doesn't have.

[B]

She doesn't have a card.

[A]

I figured the out, dude. Hulu plus Donut Palace.

[B]

Yes, I do have Hulu. The donuts was for work. I brought donuts.

[A]

If you can't afford.

[B]

I got paid back for it.

[A]

Oh, my gosh. Okay, Wash master. Don't need that. You're fine.

[B]

I don't need to wash my car.

[A]

Correct.

[B]

It's $20.

[A]

Exactly. And you can't afford to put 50 on a student loan, so.

[B]

So I should not wash my car.

[A]

Correct. Also bucket of water. You live in a house. You can wash your car. Yeah, exactly.

[B]

It's $20.

[A]

Yes. And everything is stacking up. Are you not getting that yet? You pathetic piece of baking for $40.

[B]

That was from her.

[A]

Huh? But everything is still stacking. Like your Twitch. Like your.

[B]

But she pays for the video.

[A]

Like the Hulu. Like the car wash. Like your Steam purchase. It's stacking up. There's an Apple bill. There's the Donut palace again.

[B]

So the Apple bill.

[A]

There's another Apple Bill. We'll look through your subscriptions. Shut the up. Stop interrupting me. Going inside the gas station, getting something for $4.32. Yeah. Everything is stacking up. While we're gonna forgive you. You want to beg.

[B]

I don't know.

[A]

For us to do. You defer your student loans that you owe that we're bailing out. Shut the.

[B]

I don't know what.

[A]

The Worm. Worm. Apple Bill. Cash app, Die or something that may have been right. I don't know. McDonald's again. McDonald's again. Grand Prairie something. Donuts, Apple Bill. Going against the Amazon, Amazon, Nintendo.

[B]

That was hers also.

[A]

All of that was her. Every single purchase there was her.

[B]

Not everything.

[A]

Exactly. It's all stacking up. Amazon, Amazon, Cooper donuts, Apple bill, McDonald's cash. Apple bill. Potential, Hard to tell. And selling out money. So this is. It's. Well, $5 in your savings. It's pathetic. It's pathetic. Let me look at your phone. Pathetic.

[B]

Do you want to see my actual phone or are you asking about my phone bill?

[A]

No, your actual phone. Yes.

[B]

Okay,

[A]

so weird, man. So you're spending a shit ton of money. Yes, that is all stacking up. Yes. Even the $20 car wash, it's all stacking up. You spent hundreds on bullshit outside of her. Even still, Apple Music, you can watch it and listen for free on YouTube with ads I don't really give a iCloud. Plus that's fine. What is this? Never wonder Waze always cam Plus.

[B]

Yeah, I have cameras in my house.

[A]

It's not the worst. The first thing I would stop. Apple Music got canceled.

[B]

Really?

[A]

Yes, really. You don't have. Oh yeah, you do have debt. Minimum depayments 520. What's. What's your portion of rent consistently before it gets raised?

[B]

It's total 1700. That's the rent payment. Now if I have a roommate, he

[A]

pays 800, but that's rare.

[B]

Do you have a roommate? Huh? Well, for example, I've had my roommate for two months.

[A]

Calculate your okay.

[B]

And two months before that, I didn't have a roommate. So, I mean, it's just.

[A]

So what do I put? Just 1700. What about your girlfriend?

[B]

Yeah, she pays like 400 towards it.

[A]

So what. What do I put in your budget?

[B]

Do 13.

[A]

Oh my. This isn't gonna go anywhere. Is that including utilities?

[B]

No utilities. The water is probably like 150 ish electric.

[A]

Why don't you get a thousand dollars?

[B]

Because If I'm paying 400amonth when I have a roommate and she's paying, her house never do.

[A]

And she doesn't. Your rent and utilities right now, when you don't have a roommate is already like 1750. Like, this is crazy. It is. Yeah. So get a thousand dollar. I'm so close to just ending this. What's your phone bill? You're so stupid.

[B]

It's like 90 get helium.

[A]

15 bucks a line. It's great in Dallas.

[B]

Don't you need to own a phone to do that?

[A]

You don't.

[B]

They give you a phone.

[A]

Do you own. You don't own your phone?

[B]

No.

[A]

You have a payment plan. Once that's paid, then yeah, fix it.

[B]

Okay, well, once it's paid, doesn't it stop? It pretty much stops working.

[A]

What?

[B]

Yeah, like they stop giving you updates, your phone starts working slow. Oh my goodness.

[A]

Shut up. I hate you.

[B]

Am I wrong?

[A]

What's your. Yes, you're wrong. What's your Vroom. Vroom. Gas?

[B]

I don't know, 30 a week. Five de gas. 30 a week.

[A]

Hey, 20. No. 60. Yeah. 170. Okay. What is your car insurance?

[B]

140.

[A]

Okay, you contribute 300 to groceries, 100 for TP fund. Anything else you need to survive? Toilet paper, all the medical, health care. Any.

[B]

I do not have health care.

[A]

You don't have health insurance at all? Okay, let's get you on the minimum plan. Like 250 so you don't go in an emergency. Maybe even 200. You probably like Affordable Care act stuff. How many pets you got?

[B]

Four.

[A]

Okay, well one head surgery, that's bad. Okay, so 150. Pet insurance. How much for pet food?

[B]

Maybe like 70 every two weeks.

[A]

Anything else needs to be. Do you have a gym?

[B]

I do.

[A]

How much?

[B]

It's, it's 30. And then she has like the add on membership which is 10.

[A]

Okay, well she can pay that.

[B]

She doesn't. She doesn't.

[A]

Well then cancel it.

[B]

Then she.

[A]

I don't give a.

[B]

Then I don't get 800amonth.

[A]

I. You need to move out. That's the option. That's just it. Like that's it man. Because. And let me show you, You're actually basically breaking even. But you can make actually a lot of progress if you just had a thousand hour place with like 200 utilities because it's smaller but $3,020. So obviously, I mean get a second job, make an extra thousand bucks a month. Boom, we can actually start saving up and paying off so you can pay off your car quicker.

[B]

So I can't get a second job?

[A]

Why?

[B]

Because I have to have flexible hours. Okay, so like this week I'm very good.

[A]

Then you're moving out and you immediately save just about 4, 500 bucks. 500 bucks you'll save. Go get your own place. Thousand bucks, you'll save 500 bucks.

[B]

Don't I need like 3,000? 4,000 to move to the apartment.

[A]

He has an excuse for everything. He'll never set anything aside. He'll never do anything.

[B]

So how do I get the $4,000 to move into the apartment?

[A]

Okay, it's not going to be $4,000.

[B]

First class security?

[A]

Depends. Some. It depends on the complex. Well, let's just say more likely like 2000. Okay, so 2000. How do we do that? You put it on a credit card and you'll still save more money over time. Personal loan. Caleb.com. get a personal loan. There you go. You figured it out. I don't want you to go further into debt, but if that saves you more money over the long term, yes, it's worth it. Again, you are incapable of doing anything I could that took 30 seconds to figure out. But you're not able to look into solutions. You're only able to look at problems. No solutions. And you won't do anything. So I'm done. You're pathetic.

[B]

So how do I go from I said I'm done.

[A]

I said I'm done. How would you figure that the out?

[B]

Well, that's why I'm here.

[A]

What? What was your question?

[B]

Because again problem security to move into an apartment.

[A]

I just said it. A personal loan.

[B]

Well, yeah, I didn't know that before.

[A]

Well yeah, but I already answered it.

[B]

Yeah, right. So. But that's okay.

[A]

Shut up. I'm going to the post show. You're pathetic. I'm going to look through the. We're going to call the girlfriend. Let's get the Hammer financial score. Go yourself is your score. You pathetic worm piece of deplorable nothing. A waste of human existence. Disgusting creature. Join Hammerly. Three shows a day. Incredible shows. Everyone loves it for a reason. 100,000 members for a reason. Join them. Click join. See in the post show his girlfriend might not know this him and have texted. April 15th. You're texting the ex girl girlfriend doesn't know this.

[B]

I don't know what you're talking about.

[A]

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 pin comment down below. 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 Lifebox 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.