He Called My Black Employee The N Word | Financial Audit

Summary

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Podcast Summary: Financial Audit

Episode: “He Called My Black Employee The N Word | Financial Audit”

Host: Caleb Hammer
Air Date: June 24, 2026

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Episode Overview

In this highly controversial episode, Caleb Hammer welcomes “Jerome” (not his real name), a 42-year-old Walmart associate from San Antonio. The episode aims to analyze Jerome's disastrous financial life—but quickly devolves into a heated and uncomfortable confrontation about racism, language, and social constructs after Jerome, a white guest, insists on using the N-word in front of Caleb’s Black colleague Tyler. The episode is both a window into Jerome’s chaotic, underachieving life and a tense cultural commentary on race, empathy, and personal responsibility.

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Main Discussion Points

1. Guest Introduction & Background (01:32–03:20)

• Jerome: 42, lives in San Antonio; claims ancestry from various places.
  • Works as an hourly Walmart associate ($14/hr), but previously was a railroad engineer earning significantly more.
  • Left railroad job due to dissatisfaction, now works retail for insurance benefits and “side hustles.”

Caleb: “So you’re a failure at 42.” (03:33)

2. Financial Status and Employment (03:20–05:20)

• Jerome works nearly full-time hours but complains about the physical toll and expresses apathy toward career progression.
• He claims to be at Walmart primarily for health insurance, arguing there are limited options for people with “broken bodies.”

3. Race, Identity, and Social Commentary (05:41–15:15)

• Jerome insists on being referred to as “Jerome”—a stereotypically Black name—because he’s tired of “people using race as an excuse.”
• He launches into a monologue about social constructs around language and states he’s “not afraid to say” the N-word, arguing intent and context are what matter.

Jerome: “The word itself has no meaning unless you give it meaning.” (12:53)
Tyler: “You looked me in my eyes and said that... To my face. To my face. 'Er' is crazy.” (08:52)

• The host and Tyler confront him; Tyler is visibly and verbally angry and offended by Jerome’s use of the word.
• Jerome claims he has Black friends and insists the reaction to the word is a product of “society giving it power.”

4. Lack of Empathy & Justifying Harmful Speech (15:09–17:00)

• Caleb repeatedly questions Jerome’s motives for intentionally saying offensive things.
• Jerome doubles down: “I don’t care about people’s feelings. It’s not about feelings. It’s about facts and the reality.” (15:13)
• Caleb rejects Jerome’s attempt to frame his actions as “honesty,” stressing the irrelevance of causing pain for no constructive reason.

5. Personal Failings & Escapism (37:01–44:01)

• Jerome is on probation for multiple DUIs; must use a breathalyzer regularly.
• He lives with his mother, has a history of failed relationships, relies on side hustles (arcade games, gambling), and has significant debt and collections.
• Admits to abusing FMLA, not paying taxes, and running up thousands in IRS debt.

Caleb: “You are the example of weak men... not providing anything. You are a taker, not a contributor.” (43:44)

6. Social Attitudes, Cancel Culture, and Problematic Excuses (44:01–57:00)

• Jerome states he was accused of sexual assault but frames it as the product of “cancel culture”—despite host skepticism.
• Claims cancel culture and false accusations are rampant, deflecting from personal responsibility.

7. Financial Audit and Poor Decisions (60:02–71:41)

• Jerome owes considerable back taxes, credit card debt, student loans, and is habitually behind on payments.
• He congratulates himself for having a pension, despite barely contributing to society and running up debts.

8. Future Aspirations (62:09–67:44)

• Jerome’s “plan” involves moving to Albania to live cheaply and maybe sell tea/Baltic products on Amazon.
• He remains defiant and defensive, rebuffing most suggestions for financial improvement.

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Notable Quotes & Memorable Moments

• Jerome on language:

  “The word itself has no meaning unless you give it meaning.” (12:53)

• Tyler confronting Jerome:

  "You looked me in my eyes... to my face! 'Er' is crazy." (08:52)

• Caleb sums up:

  “You are the example of what is wrong with men. You are pathetic.” (42:45)

• On empathy:

  Caleb: “I’m not asking for you to apologize. I’m trying to understand your...”
  Jerome: “I wouldn’t apologize. You know, it would be a backwards apology.” (16:52)

• On future planning:

  Jerome: “Actually, I’m not too worried about cleaning stuff up right now.” (62:18)

• Tyler to Jerome, expressing anger:

  “You really are would be. You're a ho ass, that’s what the you is.” (91:32)

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Key Timestamps

• [01:32] – Jerome introduced; basic background revealed.
• [05:41] – Jerome discusses race, personal identification, and controversial language.
• [07:05] – Jerome uses the N-word on the podcast; Tyler and Caleb’s immediate responses.
• [08:52] – Tyler calls out Jerome for using the “hard R” to his face; tension escalates.
• [12:53] – Jerome argues linguistic constructs have no inherent meaning; “the word only has power if you give it power.”
• [15:13] – Jerome admits he doesn't care about people's feelings, only facts.
• [37:01] – Jerome’s DUI history and current probation.
• [43:44] – Caleb's direct criticism: “You are the weak men that create hard times.”
• [62:18] – Jerome dismisses financial planning.
• [71:58] – Caleb urges Jerome to stop using racial slurs toward Black people.
• [91:27] – Tyler rejects Jerome's non-apology; intense confrontation.
• [94:41] – Plans for post-show: calling Jerome’s boss, offering a chance for Tyler and Jerome to fight (humorously suggested).

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Tone & Final Remarks

• The conversation is frequently hostile, critical, and unfiltered—true to Caleb Hammer’s abrasive, sardonic style.
• Jerome appears defiant, unapologetic, and unrepentant, embodying a mix of internet “red pill,” MGTOW, and “free speech” tropes without personal responsibility, empathy, or progress.
• Tyler provides the voice of justified anger and challenge, countering Jerome’s attempts to intellectualize bigotry.

Closing Note:
The episode is both a masterclass in why empathy matters and a warning about where self-justifying nihilism leads. Caleb closes by refusing to help Jerome and warns listeners: “Do not be a failure at 42. Be better. Please guys, do not be like him.”

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If you want to understand the financial and moral recklessness that can bring a life to a standstill—and why accountability matters—this is a hard, uncomfortable listen, but a pointed one.

Transcript

[A]

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[B]

And other people on the Internet, they're too afraid to say what needs to be said.

[A]

If you're not afraid to say it, then say it.

[C]

Say what? I mean, who the is the soft dude?

[A]

You are.

[C]

Who the is the soft dude? You want to find out? You want to find out?

[B]

You could beat me in arm Wrestlemania. You want to find out? Man, I'm scrappy as hell.

[C]

Find out. We can find out.

[A]

I just launched the brand new Hammer Elite app, available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. And that's a promise.

[B]

Hello, my name is Jerome. I'm 42. I live in San Antonio, Texas. And this is financial audit.

[A]

We gave you the blackest name possible. When you're from a town where not even a single black person exists and it's all Mexicans, it makes no sense. Yet you are white.

[B]

I. I think maybe, yeah.

[A]

Okay. Welcome up to Austin.

[B]

Ancestry says a few things, so. I know. I thought we're all a few things.

[A]

That's just called.

[B]

I think we all come from Africa, right?

[A]

Well, sure. At some point, yeah. Over 250,000 years, right.

[B]

Oprah said it, so.

[A]

And Oprah is black.

[B]

She's from Chicago, where I identify as.

[A]

Where the other blacks are.

[B]

Exactly.

[A]

Like you.

[B]

Yep.

[A]

No.

[B]

No.

[A]

Okay. What do you do in San Antonio for a living? You identify Chicago, you live in San Antonio. What do you do for a living here?

[B]

High school and some college Okay, I

[A]

asked what you're doing for a living.

[B]

Oh, I'm an associate at a big chain store, Walmart.

[A]

Oh, okay. Yeah, vague for a second. Right into the actual place.

[B]

Don't.

[A]

Yeah, okay.

[C]

Wow.

[A]

Wait.

[B]

Uhhuh.

[A]

I mean, okay, what. What's wrong with you? Like, okay, you're, you're. You're not like an assistant manager. You're not really doing anything. You're kind of doing like the. I don't want to. I'm not on retail. It's not, but like 42. Not really. You're the dude walking around that I try to find for help.

[B]

Yeah, basically.

[A]

Why 42? Is that what you're doing?

[B]

Well, here's the deal. I. I decided one day my quit my real job a few years ago. An engineer for the railroad.

[A]

What the. That's money.

[B]

Yes, it is. And I at that time is still

[A]

at a Walmart for 15 an hour.

[B]

That's not all I do, but that's the actual job I do. That's on paper and that I pay taxes and, well, kind of pay taxes and do the insurance purposes. So I. I also do little side hustle games. So like I. I do a lot more on the side. Well, actually, part of it is games, but there's extra stuff, you'll see.

[A]

That's good. Let's talk about Walmart first. The 42. Your little associate. Very good. What do you make? How many hours? What is it? I think Walmart's own internal minimum wage is $15 an hour. And I think you're wrong. What is it?

[C]

14.

[A]

Okay.

[C]

Wow.

[B]

14.

[A]

Whoops me.

[B]

That's pretty good though. I mean, Texas is 725 minimum wage, so it's almost double.

[A]

Yeah, no one makes minimum wage. Not even in Texas. It's like less than 1% of the workforce in the country.

[B]

Well, then they do make minimum wage. It's just less. Right? Less than you yourself just debunked yourself. So you said nobody does, and now you're saying that's less than 1%.

[A]

So very good to Sean, or what did we call you? Jerome. Okay, very good. Yeah, you got me, buddy. What do you make? You make 14?

[B]

Yes.

[A]

Okay, so you're a failure at 42.

[B]

Not really.

[A]

How many hours a week do you work for that many?

[B]

Too many.

[A]

How's that a number? Jerome hired.

[B]

They hired me part time, but they scheduled me 35 to 40, and I'm trying to do less.

[A]

Isn't that good?

[B]

No.

[A]

Why are you trying to do less, you pathetic failure?

[B]

Oh yeah, because my Legs hurt, my knees hurt. It's concrete.

[A]

Then first of all, you're 42. You're not like 80 yet.

[B]

Focus on, focus on other endeavors.

[A]

Why are you working associated retail if you're a broken bodied individual?

[B]

Insurance. That's main reason.

[A]

What? You can get insurance in a lot of different places if you're low income. On the affordable. Well, actually, subsidies have gone down dramatically.

[B]

Yeah. And then Also if you're 1099, you're doing your own thing, it's a little harder.

[A]

Yeah, I didn't say go be 10. I didn't say go be a contractor. Did I suggest that?

[B]

Well, I don't. Well, what else to be in a

[A]

career path at this point, you have failed.

[B]

Well, I already.

[A]

Career path.

[B]

Yeah.

[A]

There you go. You then have health insurance there?

[B]

Oh, yeah. Oh, yeah, yeah. Didn't use the mental health side apparently, but.

[A]

Okay, Jerome, so I guess the railroad wasn't good enough for you, but you have to go to Walmart specifically for health insurance.

[B]

It be paying for it.

[A]

Okay, so I thought Jerome was weird. We didn't even call you Jerome. You insisted on the name Jerome and being told because you hate the idea of people always using race as an excuse. So you made it a point to name yourself Jerome. And you could identify as black if you wanted because all the race, gender, nonsense doesn't matter. I don't even understand.

[B]

Yes, I. What the are you talking about?

[A]

Okay, I thought it was weird that we named you Jerome. I'm not going to lie. But now I.

[B]

You can name your child whatever you want. Gwyneth Paltrow's apple. There's X for Elon or whatever. I forget the child's names. Northwest, Kanye and all that. But my whole point is. Yeah, that is, I heard prior guests and other people on the Internet, they're too afraid to say what needs to be said or that they say that.

[A]

Jerome, what needs to be said?

[B]

Anything and whatever. Whatever anybody wants, but.

[A]

Oh, that sounds like you're too afraid

[B]

to say what he said.

[A]

No, if you want to be said,

[B]

Jerome, the N word. Language is a social construct that is warped by people and context and intention.

[A]

No fear to say it.

[B]

No, I don't. I have no fear to say anything. Within. With the considering intent and context. The word itself is not bad. It's dependent on how you use it. Just like.

[C]

Very good.

[A]

Well, why'd you say not the R word? And why'd you call the N word the N word?

[B]

Oh, that's. Oh, I'll say right now.

[A]

Okay, let's call him Tyler.

[B]

Yeah, he's my brother. I saw him walk by. He's from Chicago. He likes the Blackhawks.

[A]

I'll say he's not from Chicago.

[B]

Well, he hosta too, if he knows our Mexican. Well, one of our thousand from Southside Chicago. That's a little different. North side is all the white people. So, you know, I mean, tell me I'm not right? You know that. I mean, Detroit. I mean, come on.

[A]

Yes, there's black people in Detroit.

[B]

I mean, the ones that are still not victims of gun violence, but yeah.

[A]

I mean, what point are you trying to make?

[B]

I'm just trying to make that if you're gonna say something, do it. And I'm tired of everybody come on shows doing.

[A]

Tyler, I actually apologize for the first time in my life for what's about to happen, but please, you don't apologize. Come lean here. I will do whatever I want, and what I want to do is apologize. There you go. If you're not afraid to say it, then say it.

[C]

Say what?

[A]

Tactical nuke incoming.

[C]

I mean,

[B]

my. That.

[A]

I can't even look at it

[C]

there.

[B]

That's. It's just a word. Nothing behind it, no sentence with it, no meaning behind it. It is what it is.

[A]

Just letting you run with it, buddy.

[B]

I didn't call you my. You know what the.

[C]

Why the hard auto?

[A]

Why the hard R?

[B]

Why not why? Why not why is an A at the end? Make it better.

[C]

Yeah, but not you saying it regardless.

[B]

So.

[C]

Yeah, to my face. To my face. Er is crazy.

[B]

Well, I mean, if it's better to your face than behind your back, isn't it? But it's not about you. It's about the word. There's that big difference. So it's not directed towards you, though.

[C]

You looked me in my eyes. Well, he told me, dude, you looked

[A]

me in my eyes.

[C]

He.

[B]

He condoned.

[C]

Now said the hard R. My dog. You said straight to my eyes. You're not going to talk about not calling me that? You just called me that.

[B]

No, I said the word I didn't.

[C]

To me. Directly in my eyes.

[B]

Yeah. Towards you. Yes. But I'll say it to him directly. As a white man, I'll say that word. I don't care. Because it does. The meaning doesn't mean it's that it's taken way out of context from language and where it derived from. That's the reason why social people in society has made it a bad word. You go, in Spanish, you used to use the word negro all the time to say black so Negro. Negro this, Negro that. Who cares?

[A]

Negro.

[B]

Yeah. How's the more acceptable.

[C]

It means black in Spanish. Negro is different. Negro is different. N, I, G, G, E, R is different.

[B]

Okay, what about just one gen?

[C]

Say to Caleb. Then say it to Caleb. Dan, say to Caleb. Look him in his eyes.

[B]

I'm trying to look up in his eyes.

[C]

Look up in his eyes and call him that.

[B]

See, now he looks like an orange.

[C]

Call Caleb that. He's like, call Caleb. Why the hell are you stopping? Why are you scared? Call him. What? What?

[A]

It doesn't feel good. So I don't like this. I. Tyler.

[B]

So let me ask you this. As the least.

[A]

As someone that doesn't find anything offensive in this world, I think I'm offended. I think I'm offended on your behalf.

[B]

You can't be offended. That's cultural appropriation.

[A]

That. That is racist. All people racist.

[B]

No, it's the same as. I saw a previous guest too, also mentioned the. The fatigue that we have in this country about any kind of fatigue. Black fatigue, gay fatigue, liberal women fatigue. That's a real thing. And all they're trying to say is this. We don't care about your problems or your past and all that shit. Think about right now, what's going on, and we don't owe nobody nothing. That's what we're talking about. Guess what? There's also white Karen fatigue. Like, we don't like that energy. Wait, hold on.

[A]

A point to be made.

[B]

Yeah.

[C]

Yeah.

[B]

Am I supposed to pay reparations? Everybody that has a disagreement with the past, hell know. What about my Jewish friends that. You know, I'm just saying, man, we going to go down that road where one section of society gets reparations and we need to go down every section. You know, just going to be honest. Black people sold black people.

[A]

You.

[B]

You want to go get reparation from Africa?

[A]

No.

[B]

And I don't. I'm just saying. Oh, by the way, happy Pride month.

[C]

I just.

[A]

Okay, okay.

[C]

I got. I got a question for you.

[B]

I love. I love the Jersey. Marion. Hosa. We're brothers, man.

[A]

Come on.

[B]

Come on. We're brothers.

[A]

If I may. If I may. The point I wanted to make is, okay, maybe there's a nuanced conversation that can be made on history and Are we going to cry about things forever? I'm not talking about that. That wasn't what you said. You just came here, looked a black man in the eyes and said the N word. That is very different.

[B]

Why? Why is it different?

[C]

What the. Why is what Is the meaning. What is the meaning to you? Please explain what the meaning is to you. How do you compare Negro to N I, G, G, R? What the talking about? I'm not saying it. That's crazy. Well, I said nigga all day, but I'm not saying the hard R. That's crazy. What the is wrong with saying that fast?

[B]

It sounds like you're saying it, though. I mean, it literally is almost the same dialect.

[C]

Hey, how about we explain what the you bet by it's the same meaning? What is the meaning that we're confused with social construct?

[B]

The word itself has no meaning unless you give it meaning. The language itself has no meaning unless you give it the damn meaning.

[A]

It's like up to the individual, though. That's language.

[B]

No, it's up to society that created it. That's like 100 years ago. That word was an offensive like. Like, it just. It almost sounds like I said it again.

[C]

No, you did say it again, Negro.

[B]

You said it again.

[C]

May I please have a water?

[B]

So there's the way.

[C]

It doesn't feel right.

[A]

It doesn't feel right. No, it's like I can't put my hands.

[B]

I'm not trying to convince you. I'm just saying.

[C]

Listen, I got.

[B]

The word has no bad connotation. Would it be better. Would it be better to call you boy.

[C]

That?

[B]

I'm just making a point that

[C]

mama, bless me, Mama, bless me. Lord have mercy. Please forgive me for whatever hell I'm about. I'm about to say.

[B]

Amen. No, I mean, you say whatever you want. I mean, tell me, tell me what

[C]

the is wrong with you, bro? What is wrong with you? Like literally, what is wrong?

[B]

Speak truth. That's what's wrong there.

[C]

There is no truth, bro. Do you know the history behind that word at all? Yes, for somebody. What's the history?

[B]

Well, I just know it's oppressive with the.

[C]

No mother. We were property. With the slaves, we were slaves, they called us. We weren't. We were three fifths of a person.

[B]

So let me ask.

[C]

We weren't even. We were property.

[B]

Do you like comedy?

[C]

Sure. Comedy.

[B]

Have you ever seen Blazing Saddles?

[C]

Sure.

[B]

Okay.

[A]

This isn't a comedy show.

[C]

You're not a comedian.

[B]

No, exactly.

[C]

But my point is, nobody's.

[B]

My point is it doesn't matter if you use that word or not. It depends on context and intent. Use the word the way you see fit. And me just saying the word has no meaning other than that it's the word. I didn't call you that in A sentence or a derogatory way. Same with boy. Like it's just, it's just a word.

[A]

But you said it.

[B]

Yeah, I said it.

[A]

It's just like you said it here in front of him knowing you said. Because like the boy thing you specifically said in front of him because you knew it had meaning to him.

[C]

Yeah, to me.

[B]

I don't care.

[A]

So you don't care about him?

[B]

I don't care about people's feelings. It's not about feelings. It's about facts and the reality.

[A]

Facts over feelings. I agree with that. But that's when we're debating economics. That's when we're debating reality and a lot of different things. What you're doing is literally just sitting here in front of a black guy and just saying something because it's offensive and you find it. Hehehe.

[B]

No, I'm just. It's not only that, it's not funny because I want to do it. If I, if there is negative connotations and the way things are, I don't care because I, I'm making a point. You say what you want to say, say what people aren't willing to say.

[A]

Well, what's the point? With one intent. I'm willing to say things that people aren't willing to say with positive intent. Trying to actually fix.

[B]

Why does that be positive? It can be negative too.

[A]

But why do you want to bring a negative force into the world?

[B]

Are we all going to become by and be positive the whole time? That's ridiculous.

[A]

But if you're here for a limited time, I try to do it like on, like here I say things people aren't willing to say on the show all the time. But it is still in the end with financial literacy in mind.

[B]

Fine, but it doesn't mean that.

[A]

Why?

[B]

What you. It doesn't mean that negative things can't be said or it shouldn't be said.

[A]

Why should it not? Why should negative be say with negative.

[B]

Because without negative. Without. Well then the intent wasn't negative.

[A]

Let's just be wasn't positive.

[B]

It was neutral. If even if you want to call it negative. The whole point is how will do you. It's like anything. How do you know it's negative without having negativity?

[A]

Like if they did hurt him. Like I'm not someone who gets offended on behalf of people who are not offended. But if he's offended, he's offended.

[B]

I could also be a half ass apology and just be like, oh, I'm sorry you feel that way.

[A]

I'm not asking for you to apologize. I'm trying to understand your.

[B]

I know I'm. And I wouldn't apologize. You know, it would be a backwards apology. But like, I'm sorry you feel a certain way, but it is what it is, you know?

[A]

But if you. So, okay, here's the thing. Like, do I think. Do I agree with all the transition that's happening all the time anyway? Okay, no, because, like, the kid and stuff, I don't like that. But guess what? If someone would ask me to use their pronouns, I just say it. You know why? You know why? Because, like, if I'm going to be in front of someone, what is the point of intentionally being rude to the person? But no, I'm not going to. Even if I agree with something to disagree with that I'm not just rude in front of a person because a person's still a person in the end. We have a limited time on this earth.

[B]

Yeah, but then also you're. If you're calling them what they want to be called, doing that crap, then you're lying. And you're not. You're yourself.

[A]

I'm lying to someone for 30 seconds and they feel good, then I'm okay.

[B]

But that's why I also made a distinction between the N word.

[C]

Oh, oh, now. Now you want to sense. Oh, you're so nice now.

[B]

Okay. There's a difference in saying the word.

[A]

I can't believe you said the N word on national television.

[B]

The same boy.

[A]

Okay, in.

[B]

In context with. Also be at the casino and saying, you need a monkey. Monkey, monkey. And also looking at you and saying monkey. There's a big difference between all words and connotations. Intent, context, and everything else matters. That's what I'm saying. The words themselves don't hold meaning unless you give them meaning.

[A]

But you are, because you know who you're saying it to.

[B]

Yeah, that.

[A]

So there you go.

[B]

That doesn't mean anything one way or the other. I could say it to. It's. It's how you take it in that.

[A]

That's what I disconnected with the logic here. I don't understand. I'm not someone who. I am like on the edge of edgy and every way. What's.

[B]

You use the word a lot. You should mention it. Do you know the meaning behind it?

[A]

I don't go to a mentally disabled person and call them just like you go to him.

[B]

You can because you can.

[C]

But why would I.

[A]

Why would I hurt that person's feelings intentionally?

[B]

You.

[A]

I call someone like you because you Fits though.

[B]

Now here's the thing.

[C]

So you're going to go to a mentally disabled person and call them a.

[B]

If they're. If they are, they are. I wouldn't do that.

[A]

I wouldn't do that.

[C]

You gotta have comments.

[B]

I wouldn't go out of my way. And you have to have. But if they are. If they are acting that way or they are doing that, then yeah, because

[A]

we are the polar opposite in every way whatsoever.

[B]

Am I woke of woke.

[A]

And yet even you are just like, no, I'm crazy.

[B]

In my. In my old job, there's things called retarders. They are just. It just means slow. Slow down. If somebody's slow and they're mentally slow there. That's just the way it is.

[A]

Well, that was the technical word that was used. That was the original intent. But I mean it's not used anymore.

[B]

And even still it's like you can't use psycho anymore. Like, come on.

[A]

Look, I think that has different. Either way. It's like I have no problem with the word. Okay? I have no problem with that. But the reality is, would I go to a mentally disabled person, called them to their face? No.

[B]

I mean, absolutely not.

[A]

Because what's the intent at that point? You just went out of the way. Because it's a point. The only thing you're doing is hurting someone's feelings.

[B]

No, to make a point that all the main point was because people say they will and they do it and when they're on the spot, they won't say the word. I don't go out calling black people. You know, I just.

[C]

You looked me in my eyes. Yeah. Yeah. And said hahaha. Yeah. You went to me and said that to my face to prove a point. What the are you talking?

[B]

To prove a point.

[C]

What are you talking about?

[B]

To prove a point?

[C]

Other than what the point are you

[B]

proving that the word doesn't. It should not have that me. It should mean behind it. An integral context.

[C]

Look at the reaction of everybody.

[B]

I'm just saying you.

[A]

Are we serious woke here? We're so far from woke. And you're getting negative reaction. Some of the most like offensive people you've ever met.

[B]

Some of my best friends were black, so.

[C]

Oh, here the same.

[B]

Oh, my best friends, they still are black.

[A]

But you know, only I can pull that trope.

[B]

No, no. Working on Southside Chicago, man. I. I was the only white boy playing ball with the guys. You know, I used to actually call them that. I can't keep saying it all show because then it's It'll just be a bunch of bleeps, but.

[A]

Oh, we're not bleeping it.

[B]

Oh, okay. Don't. Well, I don't mind if you don't, but I'm just saying you're out there, buddy. You can't play ball with in the south side of Chicago culture.

[C]

So like, you, so like, you tell me.

[B]

Yeah, well, I'd call them nothing, just whatever. I don't know.

[A]

So it's different. So you'll call him the N word but you won't call him the F word.

[B]

So it's just like, oh, okay, yeah, I'll say it's a cigarette back in the old days. And it's also gay people. So what?

[A]

Okay, like, you know, it's just if you know it hurts his feelings. Why?

[B]

I mean, what's worse? I don't even know. But like, depending on what the way you take it.

[A]

Either Let me go anti woke.

[B]

It's like wait is short word like

[A]

the Let me go anti woke for a second. Yeah, I'm.

[C]

Oh, I.

[A]

Let's just. I don't even fully agree with this, but let me just definitely advocate, like, say it behind the scenes. Say that word behind the scenes. Even say that word behind the scenes. Do I fully agree with that? Not necessarily. But like, again, I, I. Oh, yeah. I can't believe you're making me like Caleb woke hammer right now. This makes no sense. But why go to the person and use the word that hurts their feelings with just when you know it does?

[B]

Do you get.

[A]

I understand what you're saying?

[B]

Yeah. So then you know I'm not doing that intentionally. Just going, it doesn't matter.

[A]

It doesn't matter if you're doing intentionally or not. If you.

[B]

It does.

[A]

Why not hold for at least five seconds until that person leaves?

[B]

Well, because you presented the opportunity and it's a safe space.

[A]

You're so excited for it. Safe space. Your safe space. This is just a space that exists.

[B]

No, not my safe space. Apparently his safe space. Because this is everyone's.

[C]

What?

[A]

Oh, buddy, I don't.

[C]

Come on.

[B]

I mean, I feel safe. I don't care. So you shouldn't.

[A]

There's a black man across from you.

[B]

I should feel more scared, you're saying.

[A]

Yes. That was a black joke.

[B]

Yeah, yeah.

[A]

I, I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, Your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with cred cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study. You. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on trustpilot. That legitimately matters. Here's the thing. If I needed help paying off debt, this, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right [e-mail] hammer that is pdsdebt.com hammer pdsdebt.com hammer you suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dialawise.com, link in the description below. Okay, thank you, Tyler. Well, actually not. Thank you. Apologies, Tyler, but I appreciate you.

[C]

I appreciate you too.

[B]

And I would never I gotta ask him real quick before. Are you actually a fan or are you a poser?

[A]

Man.

[B]

I see.

[C]

Not the face.

[B]

You know, I just got to.

[A]

Yes. He wears the Blackhawks jersey all the time.

[B]

Okay, good. A lot of posers out there wearing. You know.

[A]

But you live in the same.

[B]

It's the same as if. It's the same as if people wearing stuff that they don't support.

[A]

Antonio.

[B]

Yeah, unfortunately, you're the poser. What? Because I don't like talking.

[A]

That was a. Huh? You don't like Tyler.

[B]

No tacos.

[A]

Who doesn't like tacos? Freak. You can't be trusted.

[B]

Italian beef sandwich.

[A]

That was the sketchiest thing you've said all episode. I'll be honest.

[B]

Italian beef sandwiches all the way.

[C]

So what the.

[A]

That was a crazy rabble. Why. That wasn't the least expected thing I've ever walked into in the history of the show. What the was that? What the was that? So, okay. So you're gonna be one of the incredibly rare guests in the history of this episode that is gonna get fired from their job by being on here.

[B]

And I think you deserve it. I probably will be because I took the days off anyway today, and I should already over my limit, so. Whatever.

[A]

But if you took it off, that means you're good though. Or did you just not show up?

[B]

I'm. I'm a little sick. You know. Yeah, that's.

[A]

I mean, yeah, Walmart, we know who the majority of your customers are. He's calling them words.

[B]

I mean, you. So what's. When you pay your employees a little bit, they are only there just to collect the paycheck. That's what you get. You know?

[A]

I agree. But you doing that at 42 is pathetic.

[B]

Well, there's a reason for that, though.

[A]

What's the reason?

[B]

I wouldn't find. I wouldn't even have the job.

[A]

What's the reason, Jerome?

[B]

Just to pay some taxes that. I'm trying to make sure.

[A]

I owe taxes.

[B]

And I. Also for insurance. I. The. Also the. The cheaper the insurance you get with the employer paying the other half and everything. You go on your own. It's expensive.

[A]

Are you here? Wasn't to say the N word on one of the most new podcasts in the world. Right?

[B]

No, but. But as I see.

[A]

Added bonus.

[B]

Yeah. Because things. Some things need to be said sometimes when people say they were going to do something or. And there's something. I agree with some of your. I'll be honest. Some. Your guests sometimes are not very intellectual.

[A]

And are you the IRS Money.

[B]

Yeah. Oh, yeah.

[A]

And you also can't understand intellect and

[B]

deciding what to do and what not to do and making choices.

[A]

No. What about empathy, man? Well, that's not an important human quality.

[B]

Yes. But it depends where.

[A]

This is one of the most raunchy shows on the Internet, but it's still an empathetic show because everything I make fun of, I get consent for. It's like, in the end, if you don't understand that he would be offended or he'd be offended, well, that's fine.

[B]

They can be offended all they want. It doesn't matter.

[A]

They can, it's the empathy behind it. I don't care what you say to your friends, but if they're saying to

[B]

someone who would be a friend, doesn't matter.

[A]

Doesn't matter.

[B]

My dick gets. That's bigger because I'm a crazy with refresh speech. There's no such thing as absolute free speech. There are limits to that with context.

[A]

But consequences to your action. I get fired from Walmart after this.

[B]

Yeah, just like that. You know, and no issue with that. And you'll, you'll see why I don't care about the way things are.

[A]

I'm gonna call his manager going, I'm gonna call his manager in the post show and report him.

[B]

Oh, yeah, that would actually be interesting.

[A]

Yes.

[B]

Because I, you know, you deserve it.

[A]

I don't care what happens at this point, you're not a good person. I wanted to report your employee. Your employee will be on camera in front of millions of people saying the full N word. He's also been accused of multiple times and today him not being at work. He lied about being sick. This guy.

[B]

This is the worst guest we've ever had on. Well, just because I say a word.

[A]

A lot of racist jokes. Don't like actually racist people. No, that's kind of the issue.

[B]

My first ever girlfriend I had and my virginity black too.

[A]

Who cares?

[C]

Puerto Rican.

[B]

And that's even worse. You know, the attitude on those.

[A]

That's worse. Yeah, back there.

[B]

Well, what do you want to say then? They should know. They, they know.

[C]

They're crazy.

[B]

Yeah, they, she, that's why I lost my virginity to her, because she was what age 23?

[A]

Oh, you're a loser.

[B]

No, there's a reason for that, though. I, I, there's a reason for everything Catholic, and I was trying to save myself from marriage. She showed up to the date, wear and see through everything. She asked if I wanted to have some more fun. I said, you know what? Why not? And that was my introduction to San Antonio when I moved.

[A]

Oh no. What a little victim. Oh, you've been in San Antonio for decades.

[B]

Yes, about so.

[A]

Okay, so you're saying the reason you're doing this Walmart job is the irs?

[B]

Well, for insurance.

[A]

Tell me about it. Okay, yeah, sure. The insurance. Probable. What's this? Irs?

[B]

No, I just owe some back taxes.

[A]

Why though? For what?

[B]

For making income and not paying my taxes. That's what I owe it.

[A]

Because you are. You aren't claiming your casino winnings. You're using your Walmart job to show you're at least paying taxes or something.

[B]

No, it's the. I had a job prior to that. Huh, Had a job.

[A]

Tell me. I need the context. But if I'm going to do a financial audit on you. Give me the story. Give me the context. What is this?

[B]

My old job. My old job.

[A]

Which was the railroad train. Choo choo. Okay.

[B]

I decided it'd be better to claim tax exempt and pay my taxes at the end of the year instead of the government taken and giving me a refund.

[A]

Yeah, bad strategy. Like you.

[B]

Exactly. And I decided not to pay them. And.

[A]

And why?

[B]

Just didn't have the money time. I didn't feel like working extra hours.

[A]

That's why we do the.

[B]

I figured that once they audited me and they started garnishing my wages, that's how I just pay them back and just.

[A]

Yeah, but with like a 25% premium.

[B]

No, it wasn't that bad.

[A]

Do the interest rate usually gets on it is pretty brutal.

[B]

Yeah, but they're getting the fees added

[A]

to it usually add up to around 20%.

[B]

Yeah, but they'll get paid, you know.

[A]

Sure. They garnish with a 20% premium. Are they garnishing?

[B]

They were, but it was paid off. No, no.

[A]

Why was it were and not our.

[B]

Oh, because I haven't held a job for more than like six months since then. So an actual job.

[A]

So they don't know you're working at Walmart? They don't know you're working at Walmart?

[B]

Oh, not yet. I guess I've only been there two months.

[A]

Okay. Wow. What the.

[B]

So from to 2020 till now, I've done a lot of side hustles and other things.

[A]

Okay, so time. Yeah, so you brought that up at the beginning. Tell me about your side hustles.

[B]

The way I started out with was an AP arcade player.

[A]

Are you single?

[B]

Yes, by choice. By choice. Oh, okay.

[A]

Who the is getting with you?

[B]

Oh, you'd be surprised. Okay, it depends who you go for and what you want, right?

[A]

Yeah. Who are you going for?

[B]

So the last year or two I. In the past almost 15 years, I've been a man and I just hook up. And if there's somebody. If there's somebody that piques my interest when I'll date them for a while. But it usually doesn't end well because it's a selfish world. We're all selfish. And there's a lot of trust issues that go on and I just don't want to deal with it no more. So with people my age and around my age, women that age and around that age are either divorced, have kids or unhappy. They just want to too. So just have fun and not have to have that tie into a relationship with the money and the living expenses, all that crap. Just that's fine. Go your separate ways, do all that.

[A]

I mean, it's fine, do what you want to do. But I have a hard time thinking you'd be able to lock someone down.

[B]

Oh, you should. I'll. Speaking of which, I'll show you and I'll open my phone. You can see the people I've been with or my girlfriends.

[A]

But why have people now?

[B]

Why have you never offered up your phone to show what your girlfriend looks like and give an idea of, oh, she's fat or she's cute or all that stuff?

[A]

Well, they've seen her, so they can attest. But the thing is.

[B]

So why would I not?

[A]

Yeah, why would I know?

[B]

I mean, for privacy. I get that.

[A]

Yes. Because we're one of the biggest shows on the Internet.

[B]

Yeah.

[A]

So obviously I'm being private to protect it.

[B]

Yeah. And obviously you protect the guests and all that, but you could do the same, just. Or show the guests or like. Okay, well, why would I?

[A]

Because you someone. I don't give a about you specifically

[B]

because you saying make comments, it gives you a rating scale of like what you actually think is attractive.

[A]

That's my opinion.

[B]

A little gordita from San Antonio may actually be decent looking, but in your eyes, she's, you know, 140 pounds. I may be too big. Who knows?

[A]

Probably not. I don't know her height.

[B]

She's like anorexic one.

[A]

No, that's gross.

[B]

Well, we don't know that. You just thought, oh, she's a six.

[A]

You know, you're not entitled to see my girlfriend. It's my show, you freak. What are you talking about? Well, I mean, you don't have to show yours either.

[B]

Oh, I will. I'll show them off. Because I'm proud, but only based on looks, so I'm proud of them.

[A]

Okay. The people you're with now, I guess, is all I. Okay, so you're single. You're permanently online. Weird echo chambers. I mean, come on.

[B]

No. Okay, that. No, no, no. What may come off as red pill or whatever. The echo.

[A]

That's not even red pill. No. I don't even know what you are.

[C]

Rational atheist.

[B]

Mgtow. That's good. That's good. That's a. Better that way. Because. Because if you know. If you know how somebody is and the way they're going, it's predictable. That's pointless. Like why people put in a box and.

[A]

Oh, you got main character syndrome.

[B]

I don't even know what that is. Honestly, that's one thing that I don't even think about. I don't care. No, it's a.

[C]

It's.

[B]

I don't even know what I am. I just know my beliefs and the way who. What I do. And that's all it is. I'm very honest, very forward.

[A]

Wow.

[B]

I'm open book revolutionary, ladies and gentlemen. It is for the people that you have on, buddy.

[C]

Everyone.

[A]

Everybody's a unique butterfly. There was like, one person who freaked out about it.

[B]

Everybody. They're all worried about with my words.

[A]

Okay, so what are the side hustles? Yeah, let's get back to that.

[B]

Oh, I forgot. So I play arcade games and I win the prizes and sell them for profit.

[A]

What the.

[B]

I went last night. I got some prizes. Okay.

[A]

Single 42 freak racist playing arcade games.

[B]

Yeah.

[A]

Reply himself around all the kids. This is not great.

[B]

Technically, yeah, but this is not great, Jerome. So I also participate in a legal loophole, gray area part of gambling online.

[A]

Oh, do you?

[B]

But I don't necessarily gamble my own money. I am not sponsored, but I. I write letters and send them in by the mail, and I get paid $5 for everyone. I do. And when I get my money, a free play, then I play it and I cash out.

[A]

If you win?

[B]

No, I always win. I mean, well, okay, that's not how casinos work. Well, I lose in the long run. The money, however.

[A]

Y.

[B]

No, no, no. However, I get the free money to play because of the work I did for the writing.

[A]

Why not pay your bills?

[B]

Well, because I do gamble. Some a little too much sometimes.

[A]

But shocker, you're everywhere.

[B]

Some bills are more important than others.

[A]

How do you even pay your bills if you've only. What? So how long were you gapped between your previous job and Walmart that you've been at for two months.

[B]

I. Well, I mean, I worked other jobs between.

[A]

So how do you pay your bills?

[B]

Just when I need more money, I will go get a job. But other than that, it's by mainly the.

[A]

You always need money, is there not rent?

[B]

No, it's the one. No, actually just recently I decided to move in back with my mother.

[A]

Oh, you are such a.

[B]

No, no, no, no. I wasn't going.

[A]

You're pathetic.

[B]

I wasn't going to, but she offered and why not take the offer for horse?

[A]

Mother will offer, but.

[B]

Well.

[A]

Dude, you're pathetic.

[B]

No, no, she's. She's had a lot. She's done a lot for me and she's had enough.

[A]

42 year old.

[B]

She's had enough of my BS, but.

[A]

Oh, you're gross, man. What's wrong with you, you disgusting beast of dis. You. Dude, I don't even know. I don't even know.

[C]

And what do you have?

[A]

Yeah, by the way, that my security guard told me about because that's crazy. No one's ever coming with a breathalyzer.

[B]

I mean, I figured I'd bring it just in case I need it or.

[A]

Why would you need it?

[B]

Well, you got to blow into it, so for.

[A]

Why?

[B]

To make sure I'm not drinking.

[A]

For what purpose? You prove to yourself constantly.

[B]

My third dui.

[A]

Okay, why don't you blow into it right now, all right?

[B]

Oh yeah, actually that's a good idea. Cuz it would make sense why I said certain things and did certain things if you know.

[A]

Okay, yeah. Why don't.

[B]

Now, this is what happens when you don't have a car, but they still have to track you and your consumption, so.

[A]

Oh yeah. 3D. I said. Hope you don't have one. How the did you get here?

[B]

I could if I wanted to and I could have a license. I took the bus. I was gonna take an Uber, but

[A]

blow into that thing.

[B]

Here we go.

[A]

Tantalizing. He passed. Good. Okay, so I feel comfortable doing this because I don't want. I wouldn't want to. The drunk person.

[B]

No, that would be.

[A]

There's a drunk creature on Once he was a lady. I didn't even realize towards the end

[B]

say what I say or sober.

[A]

And it'd be better if you were drunk, but not for the sake of filming because it wouldn't feel good for me. Well, you're on. You're on probation, so you legally can't drink, right?

[B]

Yeah. Even if I just said there's a loophole. Well, for the. The casino stuff. Not the well actually for. Okay well there is no loophole for that. It's.

[A]

Except this is what he told Colton. Go yourself. I don't care if I ruin your life. Only have to do it twice a day. So you can do it at 5am and then do it later in the day and have a drink in between.

[B]

Yes. If. If you really wanted to drink. It's not loophole but they. There's three. There's three windows you have to blow from 5 to 8am 5 to 8pm and 10 to midnight. So to me it's almost pointless to have this because you could get drunk in the middle of day or early morning after you blow at 5am and then sober up and then blow at 7:59pm and you'd be fine. So I'm not saying I do.

[A]

I don't do it on probation. Has to blow into a breathalyzer. Can't drive. Lives with mother. 42 years old. Gambling issues, addictions. Vehemently racist.

[B]

It's one more thing.

[A]

What do you have going oh, I'll pay my irs. What do you. What is going for you in life? Because right now you're actually the most pathetic person I've ever met in the over four years of filming in this show. No, it could be pathetic. I think.

[C]

Right.

[B]

I have a pen.

[A]

All those things that I just stacked up a pension.

[B]

That's one thing from the railroad. Yeah.

[A]

Okay. Who owes. What's the pension?

[B]

Well, today's money it would be around fifteen hundred dollars a month. So.

[A]

Okay.

[B]

No, but I won't die off of that.

[A]

The pension doesn't go bust. We'll see.

[B]

The row of retirement is more. Way more solvent than Social Security.

[A]

So I'm not worried about that can. But what do you have actually going for you that you've done?

[B]

I mean the hustle Gene man. I can. That I've been able to survive this long with hustling.

[A]

What do you have going for you now? Because you're not surviving. You're with your mother at 42.

[B]

So what is going for you Casino thing I do. Right. I average.

[A]

That's what you're gonna say is going for you. The casino.

[B]

For now.

[A]

Dude, you have nothing in life. Not really sad.

[B]

No. For now. Life is sad for now.

[A]

What do you have to hold on to to not kill yourself every day? Which maybe you should for the sake of the world in Minecraft. It would be a lot better for the rest of us in my.

[B]

Well, you know with the empathy part. I really don't go around diddling kids or nothing crazy. So.

[A]

That's what's going for you, is you don't get the reason you don't kill

[B]

yourself because everybody's fine. For me personally and my immediate family, not so great. But this.

[A]

What do you have to hold on to in life? What is the reason to keep going in your family?

[B]

Family, for sure. Yeah.

[A]

Well, they're all gonna die.

[B]

That's the only. Well, I hope not.

[A]

Well, your mother. You're 42. Come on.

[B]

Yeah. No, no, no. My mother. Yeah. But the.

[A]

My siblings, they probably don't like siblings.

[B]

But also my nieces and nephews.

[A]

Yeah, they're all going to be ashamed of you from this.

[B]

Oh, that. Yeah, sure. But they. They don't. I don't care.

[A]

Yeah, they don't care if you die.

[B]

No.

[A]

So what is the reason for you to keep living, unfortunately for the rest

[B]

of us, in Minecraft, just to enjoy life, honestly. Like, what are you enjoying?

[A]

You live with mother, you're gambling, you're an alcoholic.

[B]

To me, money. It's like, okay, this is my also belief with the credit score situation, all this stuff. Money is just a tool to pay bills and that's it.

[A]

But you don't pay bills.

[B]

Well, I pay what I need to pay. That's about it.

[A]

Weirdo.

[B]

I've traveled and this is.

[A]

What's so pathetic, is you are the guy that you're ranting to Colin before about men and women, how men have gone soft and the world is against men and the women is typically. And honestly, you're right, women is. College is stacked for women right now, and it's against men. There are some real things. The gender divide is horrible. The gender wars are horrible. The loneliness dating apps are, if they were a country alone, would be literally the 25th most unequal country in the world in terms of the ratio against men, in terms of what you pay for and what you get. It's really bad. There's lots of things, but you're a pathetic excuse of a person that you would not be able to adequately, adequately speak on the actual realities of men and women in this country at all.

[B]

Sure. Yes.

[A]

And yet you were just sitting there ranting, ranting, ranting about how men are pathetic. You're pathetic.

[B]

Yeah. You're the example, serial dater.

[A]

You are the example of what is wrong with men. You are pathetic. Living a mom at 45 as a man.

[B]

It doesn't matter how much you make or what you do for certain, a lot of women, they don't care about that anymore. Because they want to be boss babes and they want. They especially these bus babies. Liberal women want traditional women.

[A]

Why would they want to be with. You're not a traditional man. You live with your mother. You're an alcoholic. You gamble every day. You are not traditional.

[B]

It's all normal. San Antonio, you know, that's like the biggest DUI city in the country. It's like one of the biggest.

[A]

You're a failure in every way. It wasn't stacked against you. There are actual men that have statistical things stacked against them with the end of male spaces and whatnot. That is an actual true thing against

[B]

them other than maybe being born as a poor black man, you know.

[A]

Huh. What are you saying?

[B]

What do they have against them that they can't take or they can't do more with?

[A]

What do you mean? What are you saying?

[B]

Oh, they.

[A]

What's your counter argument?

[B]

They have roadblocks or they have legitimate reasons why they can't get ahead in life and do all this. That's what you said, roadblocks. Well, whatever you said no.

[A]

There's a loneliness crisis and the dating apps and everything is stuck against.

[B]

There's only a crisis because they're making it. Because men and women don't know how the. How they react with each other and stuff. They're the lonely.

[A]

So you're the pinnacle of man who can speak for how men are pathetic

[B]

now not to be afraid to hit up DM sometimes to go out and find a woman. Not to be afraid.

[A]

I agree. But you also have to acknowledge the cancel culture that did exist in the T app.

[B]

Yeah, the T app and Facebook groups.

[A]

These are real things.

[B]

I was. I was a part of Facebook group. I won't mention but I was accused. I was accused of. From some people.

[C]

Okay.

[A]

We're not surprised. And I bet you did it.

[B]

And you know what? I did. I told them straight up and the people won't do this. If you really believe that you're a shit friend for not going to the police or going and being for your friend. And if you still believe that, call the police, have them come to me. I'll do an interview and we'll do this stuff.

[A]

Okay.

[B]

That's the reason why accused you of. Oh, I don't. It's actually I do know but it's somebody I barely know. It's a part of.

[A]

What was the accusation against you?

[B]

That's it. I forced myself on somebody that he knows and huh. Yeah, he said I heard you force yourself on somebody.

[A]

And what did the person that you forced yourself on.

[B]

Say I don't know who. They won't say. They don't want to say because a victim, you know, whatever. And I told them then do it. Go to the police, do all this stuff. It's mainly because when you are like me, so you don't know who you are anymore.

[A]

First of all, you're probably plastered out of your mind. How do you know?

[B]

No, seeing that I.

[A]

Three DUIs.

[B]

Yeah, well, and see, that's the other thing too. All that pissed me off. You mentioned something about DUIs. And also first of all, you don't know anything about the legal system when it comes to actually being in it and going to court cases and stuff. When it comes to criminal. When it comes to criminal. Have you ever dealt with a criminal case? All cases are different. A DUI is not A DUI is a dui. They're all different. My first one was for sleeping.

[A]

What point you're trying to.

[B]

Was for sleeping in my car. And I didn't know it was illegal to just sleep in your car to sleep it off.

[A]

Oopsie. You broke the law.

[B]

Yeah, okay. And then the other one was I didn't leave the parking lot. I got another one. The third one was legit. I traveled two miles. I was over.

[A]

That's fair.

[B]

That was fair. Very good.

[A]

They're all fair.

[B]

And technically they are. I. I believe.

[A]

How would I need to have gone through a criminal.

[C]

No.

[A]

No issue myself.

[C]

There's a difference.

[B]

Because there's a difference between if two DUIs is if you were traveling, you get an accident or if you were sleeping in your car. There's a reason why the third DUI in Texas is considered a felony and two years. Two to ten years in prison.

[A]

Good.

[B]

I got.

[A]

I wish you were there.

[B]

So you the choice of misdemeanor or felony.

[A]

And well, I didn't have very lenient.

[B]

I didn't have to serve any time but. And I actually took the felony because the probation is a little easier. And for me personally.

[A]

Oh, you're never going to get a job again.

[B]

Me personally, I know my. The way I am and the way I move and I like. You know what Felony won't hurt me that much.

[A]

I just launched the brand new Hammer Elite app available on every major platform.

[C]

Platform.

[A]

You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But it's limited to the first 1000 people to purchase. For a one time payment of 500. You'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive 4 hour Hammer Elite Day live stream on June 27th. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join and that's a promise. 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 platforms they knew their apps could contribute 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.

[B]

Whatever dude.

[A]

If you were someone that was known I would totally believe you that there's like a false accusation because it's been weaponized. Things have been over sensationalized. The culture is. At this point I almost believe nothing that's accused against anyone anymore. Well it's because it's absolutely insane.

[B]

The reason why people say like that

[A]

too is because no no one knows you. Why would someone I'm known in that group and I'm a Facebook group.

[B]

It's a big group here in locally. Well, people of. Or not people. I'm sorry singles of Round Rock or why would.

[C]

That's the point.

[B]

Because yeah. Round Rock singles Round Rock is Round Rock Austin for five years. Yes. I used to live there.

[A]

Round Rock is a small little town.

[B]

It's this biggest suburb of Austin suburb.

[A]

It's not like a big thing.

[B]

It's probably almost as big as Austin.

[A]

It's getting there over a million people in Round Rock.

[B]

I don't know.

[A]

I would highly doubt that.

[B]

Well most people can't even. That's why they go to Round Rock and flug they can't afford.

[A]

Well no, no. I mean yes, random accusations 100 do exist but if you're someone known I would consider it probably likely before I

[B]

was interrupted by the way.

[A]

It's. It's about 15 of the population of what Round Rock has 15 of the population is Austin.

[B]

Oh well I mean so shut the up.

[A]

You know Nothing. You say things. You don't know things.

[B]

I mean. Okay. Williamson county will say that.

[A]

Okay. Yeah. Personal post.

[B]

The. The whole point about the.

[A]

I just don't believe someone would accuse

[B]

you because I was known in the group for as a dating and going on too many dates and hooking up with people and what's wrong with that? A lot of people have jealousy issues and like, they don't believe that.

[A]

Jealous of you?

[B]

Well, of that instances or those. The friends of friends and I. Dude.

[A]

You're Dude. You see, I'll just say Cancel culture was totally weaponized and I don't believe people anymore. But I don't understand why once you

[B]

get also a couple women and you have fun with them, then they talk too. And then they think about it and they're like, oh, he was fun. And then you get a message like, hey, what are you doing tonight? And you know, you go with that and you just have fun with different women and they start talking and things happen and next thing you know you're doing too much with too many people and people don't like that, so. And I haven't done it in a

[A]

while, but City one, That's good. I'm glad.

[B]

I mean, no, you're just going through.

[A]

You're just our ears with those words instead.

[B]

Yeah, I. I will admit to that. That's fine. But it's only if it's not consensual. So you consented to me saying it, so.

[A]

Yeah, I guess there was implied.

[B]

You didn't necessarily think I would have wanted me to, but you consented to

[A]

it, so I. Dude, I don't know what the to do with you. What do I even put down as your income?

[B]

I make about 900 every two weeks, so 1800 monthly for Walmart. And on average, at a minimum, I'm

[A]

gonna cross that out because I'm gonna call your manager and get you fired.

[B]

In the minimum. A thousand bucks from casino stuff? Yeah, a month. And then about 500, let's say for arcade stuff that I. I haven't been. I could do more. It's just.

[A]

You are such a joke.

[B]

I just haven't done much. I. But see, the casino stuff, it varies a lot. So about a few days ago, I actually did get a $4,600 payment from them, so that helped. But it's.

[A]

This is strictly in Minecraft. In Minecraft. In Minecraft.

[B]

I've never played Minecraft, so I don't even know that this is in Minecraft. What is.

[A]

But would the world lose anything if you were no longer here. I don't think in Minecraft.

[B]

Is this like the ender dragon or something or. I don't. And that's all I know about Minecraft.

[A]

No, you're the zombie that pulls up to a village, knocks down the door and a. What do you think your financial score is? 0 to tens. You're being the worst, 10 being the best.

[B]

0.5 pension. Pension, yeah. That's a lot more than most people can say these days. I'm just saying.

[A]

No, not at your age.

[B]

Actually, most people don't even have a pension.

[A]

Pension. But they do have retirement funds which are gaining usually better. Pensions aren't usually even the best these days.

[B]

Well, it really is in a different situation. The railroad is tried and true, so

[A]

I'm not worried about. Yeah, 1500. That's what you make now.

[B]

Today's.

[A]

You can't survive today.

[B]

Yes, Today's money, I probably could survive about 1500amonth plus a little side stuff. Yeah.

[A]

Oh, well, yeah. With you doing extra. Sure. But that's not retirement.

[B]

Yeah.

[A]

You want your Hammer Financial Score, get it for [e-mail]. take the assessment. It just takes a few minutes and you can see where you stand in the world of finances on your own. Very, very own Hammer Financial Score. And if you don't want to be like a guest that ends up on this show, make sure you download the dollar wise budgeting app like tens of thousands of monthly active users use for a reason. With the automated account connections and those insights you need to change your life. Take the free trials if you like it. Most people sign up for the annual version after the trial because it saves almost 50% on the cost. Then you get my personal digital cookbook in your inbox and the physical 30 day meal plan signed by me mailed directly to you. This is what it looks like. I sign it and I mail it to you. I'm not giving one to him because he's a bad person and he deserves nothing.

[B]

You could see that. Oh, I thought you said fat. I thought you said bad. Well, same thing. They're both.

[A]

Let's see, let's see what your finances.

[B]

Yes, we're doing that.

[A]

Yeah, well, okay. IRS that this is since 2019.

[B]

Yeah.

[A]

What the is wrong with you? You are pathetic. You are actually. I can't believe you're the one that says man are awake. You are the example of weak men. You're holding our society back. You're not providing anything. You're a taker, not a contributor.

[B]

Oh, I don't Take. I don't.

[A]

You are the weak men that create hard times.

[B]

Yeah, but I don't even qualify for taking anything, though. I. I've even tried for.

[A]

No, but you owe your tax.

[B]

Yeah, yeah. I mean, they'll get it back eventually.

[A]

Really? I don't know. Now, when you get fired, what wages are they going to garnish?

[B]

Well, I don't. I mean, I'm gonna have jobs here and there.

[A]

So here and there you felony. Who's hiring you?

[B]

I mean, there's a lot of jobs.

[A]

Why'd you leave the railroad?

[B]

Oh, boy.

[A]

Oh, there.

[B]

Well, there's multiple reasons too many of them. Colors, kind. No, there's. There's a multitude of reasons. Some more. More important than the other. The main reason.

[A]

Which color is the worst?

[C]

Purple.

[A]

Black people.

[B]

Black. Oh, well, black and white are technically not colors, you know.

[A]

And which one's the worst? Which race?

[B]

7.

[A]

Which race on planet Earth is the worst race?

[B]

They're all bad. But of course it's the.

[A]

Howard.

[B]

No, of course it's the worst. That's a good question. I never thought of it. If I had about it all the time. If I had to pick one. Well, it's not necessarily race, but region. There's two of them, some Indians and Nigerians. A lot of scammers. A lot of people taking money.

[A]

And what's the worst race?

[B]

And there's no such thing as the worst race. Is it worse regions are people of color and races. Horrible white people, horrible black people, horrible Asians.

[A]

Oh, very welcome.

[B]

It all depends on the more your morality and your own belief system.

[A]

Which race is the least moral.

[B]

Well, it's not a race. Every. Everybody but Americans, we have our own culture, like the Iran and. Or Iran, whatever. What they think they're doing over there is right and everything. So who are we to say that they're wrong, you know? So what's your least favorite disability?

[A]

My favorite job.

[B]

The one. The ones that people claim they have that they don't, which is a lot of times like. Well, a lot. Mental.

[A]

Well, you have. In general.

[B]

No, they mental. Most mental disabilities are.

[A]

You think my panic disorder is.

[B]

No, because that also has physical traits to it. You know, that is real. And I. I think that that goes. That coincides with mental disability. But when people say it's being weaponized way too much just to get. Make excuses for not going to work or for doing this, for doing that and okay, especially like what's your monthly

[A]

payment on your irs?

[B]

Zero.

[A]

Right.

[B]

I mean, I do plan on doing a Payment plan instead of that.

[A]

Are you about to say about the

[B]

military, the disability crap, you know, like,

[A]

that's not just all bad.

[B]

No, but people use disability all the time outside. And it's not just military. It's anybody and everybody. Like I.

[A]

It is.

[B]

I even abused FMLA when I worked for the railroad.

[A]

We're not surprised. Surprise.

[B]

Yeah. And the.

[A]

You're pathetic.

[B]

Because my girlfriend at the time has a crippling anxiety, can't drive all this stuff.

[A]

She was a cripple. And that's the only one that would you.

[B]

I. I wouldn't even consent to it most times. Until the last time we. No, no, no, wait. That sounds bad. That's not what I meant.

[A]

Well, you are accused of.

[B]

No, the last time that we hooked up stuff we recorded ourselves. And I saw. I saw her face on her look or the look on her face.

[A]

She know you're recording?

[B]

Oh, yeah. Yeah, she knew. And. And I could tell then that it was.

[A]

Anyone else seen it?

[B]

No, no, not that. No.

[A]

No, but other ones.

[B]

No, but they've seen enough. She used to be modeling. She. She even went to Playboy Mansion once. She used to be in the culture.

[A]

Continue your story.

[B]

But she. We went to her psychiatrist and she filled out paperwork for me to get FMLA on her. Even though we're not married or have any spousal relationship. That's bs. Like that shouldn't even happen. But I took advantage of it and I got it from la.

[A]

Just like you took advantage of her. Very good. Show me a picture. Yeah, boy model. Let's see this.

[B]

Well, no, no. Yeah, she used to.

[A]

Oh, here. Here's the walk back.

[B]

No, she's the walk back to the playback match. And she did stuff there, like a little pageantry or whatever, but she wasn't like. She used to do that stuff. And she's gorgeous, but she. She has issues. And she's one of them really, to be with you. Yeah, she's one of the reasons why I quit the railroad. But the main reason is because I just hated it's 247 on call job.

[A]

That's why you make good money.

[B]

And the people that work there were annoying. They're cheating on their wives, complain about bills, kids. I had enough of that crap. I had enough of like being on call all the time. I lived in Round Rock, but I had a report to San Antonio, two hours.

[A]

What were you making?

[B]

Well, for me it varied a lot because a lot of times on average,

[A]

what were you making?

[B]

At the minimum, like five grand a month at max, 15 grand a month.

[A]

See, you're making good money. That's why it comes with it yet.

[B]

Yeah, and that they.

[A]

They show me a picture.

[B]

Okay, hold on.

[A]

There's additional 2018 IRS. That 4100. Well, this is with 98 hours new

[B]

man, but that gives you an idea. He's about 20 years older.

[A]

Okay. I mean, that's average white girl to me.

[B]

Yeah, I mean.

[A]

I mean I. Probably out of your league.

[B]

Oh yeah, yeah, I. I completely agree. Even my last ex there a lot of job. She doesn't have it. At least not that I know of. She doesn't have a nose job, but it wouldn't surprise me. I don't know.

[A]

And do you still talk to her?

[B]

A little bit here and there. But not. No, just like share a real here and there. She'll send me. She'll send me a reel of like a train thing or. Oh, I forgot what last one. Oh, playing arcade games.

[A]

2015 IRS. You owe for more than a decade ago.

[B]

Yeah, I. I'm pretty sure it's still there.

[A]

What the is wrong with you, dude? Why so, okay, even back in 2000, that's 24.611.49. That's insane.

[B]

Yeah, I thought it was lower, but I guess with penalties and interest, I don't know, that year I might have worked enough. I don't know. I only had my railroad job at the time and I. I claimed tax exempt, so.

[A]

So you've been doing that since your 30s. Since even before your 30s, you've been doing the tax exempt.

[B]

I. I went on and off with it, you know, when I need extra money. When I need extra money.

[A]

Literally not a contributor in any way whatsoever.

[B]

Well, taking. Well other than I don't take like resources.

[A]

I owe everyone. Taxes are gonna have to be higher because of people like you who aren't paying their fair share. You're the people that aren't paying their fair share.

[B]

No, I'm in the bracket to where I shouldn't have to pay anything, so.

[A]

Okay.

[B]

Except for what I owe, maybe.

[A]

When was the last time you had not filed exempt?

[B]

A few years ago.

[A]

Well, now. Yeah, I'm getting weird now. This is 2023 through 24. 25.

[B]

Huh.

[A]

232 through 2025. IRS. It's crazy. So you have four individual debts with the IRS. Oh, you don't even know. It's question mark. It's question mark for what?

[C]

What?

[A]

The last IRS, that 23 to 25.

[B]

Yeah, because I didn't. I didn't file, so.

[A]

Oh, it just haven't even filed.

[B]

Yeah.

[A]

Why the now? So the past three years, you haven't.

[B]

Well, because I was around the. The minimum requirement to file or not poverty, whatever. On my job.

[A]

Through your own choice, too. That's insane.

[B]

Well, I figured if with all the little jobs I had in the W. Whatever they send, it was a little too much to keep track of. So I figured they'll audit me and they'll get it. So. It is what it is. But that's why I'm here. I have a laissez faire attitude with pretty much everything. And I love it. I love.

[A]

For your own life.

[B]

I love the freedom. However, I. I do want to clean it up a little bit, so.

[A]

Freedom. But you still owe your taxes because then you cost people like me.

[B]

Yeah, but I. They're gonna get their money no matter what.

[A]

So again, it's freedom. Yes, to a certain extent. You can't drive drunk.

[B]

Well, you can. You'll just get in trouble for it

[A]

if you get caught when you did.

[B]

Yeah, duh. Yeah. And so the future.

[A]

What does the future look like for you? What are you even trying to do? What are we trying to do? I'm sure you want to clean a little bit of this up, but what can we do on the income side? Like what. What is there for you?

[B]

Actually, I'm not too worried about cleaning stuff up right now.

[A]

What's the point? What are we doing then?

[B]

Well, I. Eventually, yes, but it's more about progressing in, you know, business stuff and business making more money.

[A]

Who's gonna do business with you?

[B]

No, you know, I'll do my. Well, anybody that wants to make money, because I deal with. I also have a resale certificate and I used to buy wholesale and sell retail and all that kind of stuff, so.

[A]

Okay, what's our business future?

[B]

Mainly continuing doing the casino stuff while it's still legal in Texas until that runs out. Then.

[A]

Is that on the docket for no longer being legal?

[B]

It's been on the docket for the last couple years. And they've been getting more voted for it? No, not yet. It's been taken up here and there, but. Oh, with the elections and stuff, they even still.

[A]

What you make a thousand hours a month from that, you know, that's not our survival.

[B]

That's. That's. That's on average minimum. Like I sometimes.

[A]

Average minimum. Yeah, but average minimum in that case would be 12, 000 a year.

[B]

That's the safe amount.

[A]

Still 12, 000 a year. Your average safe minimum. You're not Living on that.

[B]

So what's the future? I was and I have been until I. Because I injured myself I broke my arm and I had. I couldn't work for two months. So things got back and I'm like you know what? It's better for me to go home and save some money. And I healed up and now I'm getting back on my feet.

[A]

So listen, normally I would offer him things to help but I'm not going to. So you. You don't get a corner course career certification which is what most people on the show which is what everyone else on the show uses to improve their income through their job experience with the course careers on the resume and get a better job. You. I'm not going to get you access to any kind of personal loans or extra help that you can find on caleb hammer.com not going to do that. Not going to get you on helium either.

[C]

You.

[A]

You get nothing.

[B]

Oh you loans are not. Shouldn't even be allowed. You don't need. Exactly.

[A]

That's freedom. Why I can't borrow from someone. Go yourself.

[B]

Yeah you could.

[A]

That's not freedom.

[C]

But you.

[B]

But you don't need that to be financially successful. It's actually better to have no credit score or even a bad one.

[A]

Someone trying to get a $400,000 medium price home.

[B]

That's easy. Manual underwriting. You could do it even with bad credit. Have a bigger down payment. Yeah exactly. But you don't need a credit score. Other loans to show loan.

[A]

You just said you don't. Shouldn't have loans. That's a loan you.

[B]

Yeah.

[A]

Manual credit. Manual underwriting isn't everywhere for everyone.

[B]

That's a different type of loan. You would say a personal loan that's completely different than a home mortgage. Even a personal loan you can get under.

[A]

You can manual underwrite any kind of.

[B]

Exactly. So it doesn't matter even if you pay your bills and stuff. What are you talking about? You can.

[A]

What is the point you're trying to make?

[B]

What I'm trying to make is it doesn't matter what your even your passes and the bills you pay or don't pay. You can always get what you want if as long as not necessarily.

[A]

Who's going to qualify you even with manual underwriting?

[B]

Well, anybody if you have enough cash to like 20 or to have some equity in the home that they'll take the chance on it.

[A]

You have $80,000 for a 20 down payment on.

[B]

First of all that's ridiculous amount price. You don't need that kind of Less than median. Yeah.

[A]

For where in this country? Even San Antonio, United States.

[B]

Yeah, but San Antonio, you could get a condo for 100k. So can.

[A]

Not necessarily.

[B]

Are. Not necessarily. You want to. I get it. But.

[A]

Well, who knows? Maybe that's for sale.

[B]

You live within your means. You don't have to. Plus anyway the next five years I kind of want to. The main focus I have is possibly living in Albania and where you only have to make $1200 a month to live there. And the cost of living so damn cheap.

[A]

You know why? Because the incomes are associated with it. You're not gonna make dick over there.

[B]

But yeah, you can. You can make money in America while being there. A lot of retirees do it with

[A]

like remote jobs and different things. What are you gonna do?

[B]

You don't even need that like necessarily.

[A]

Huh?

[B]

Yeah, you don't.

[A]

How are you going to make money?

[B]

You can easily make 1200amonth.

[A]

How are you going to.

[B]

Well, there. There is a way to. It's not drop shipping. You can make products, especially a source from Albania and sell them on Amazon and do like.

[A]

But you'll be in Albania.

[B]

No, you can start it here and export the.

[A]

Yeah, yeah.

[B]

But you can still do it here.

[A]

How? You're not here, you're in Albania.

[B]

No, you can conduct business in Albania or here. It's. It's fine.

[A]

What are you drop shipping?

[B]

It's not drop shipping. I would actually make it with the. That. It's actually from the Baltic. It's the T's and huh. And sage and all that stuff. Yeah, it's specific to the Baltic.

[A]

You could just do this.

[B]

Why haven't you cost money and I don't.

[A]

Then how are you going to. If it costs money?

[B]

I'll make the money.

[A]

How do you make the money?

[B]

It's not even that expensive. If you want to do it, why

[A]

haven't you done it? You keep counter.

[B]

Because I'd rather do it professionally. And so why aren't SEO and all that stuff? Because I don't have the money.

[A]

And how are you going to.

[B]

Easily what works.

[A]

You're not. You're about to get fired from your Walmart job fairly.

[B]

Yeah, but that's not. That's not really.

[A]

Well, unfortunately that's your only income and you have a felony. So good luck.

[B]

Yeah, but that's. There's always jobs and always a way to make money. No matter.

[A]

Yeah. Not necessarily for felons.

[B]

Oh yeah. Oh yeah. There's. There's felons even worse charges and all that than Me that make more money. Yeah. Until you're concrete all that. Shoot. I. I invite it to try. I actually would love it it because I. You know, when pe. The reason why people don't do stuff like that or like lawsuits is because there's discovery process. And if you open yourself up to discovery, then you have the chance to ruin your own life. Especially when there's a false accusation. So I invite that.

[A]

Okay. What are we gonna find in your life?

[B]

Nothing that I won't talk about here.

[A]

Okay. Yeah. Meeting in San Antonio is cheaper. It's right around that like it ranges from 260 to 310. So there you go. So are you saving up? Well, you're not gonna live?

[B]

No. No.

[A]

Okay. What you're doing for that money legal?

[B]

Technically, yes.

[A]

Technically, yeah. So, okay. It could not be very.

[B]

Do you have any knowledge in the trading card sphere?

[A]

Okay, well that's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now. When you sign up for the checking account, use chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. 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 still got to do the work.

[B]

When you buy a box of cards, not Pokemon, it's a little different because that's trading card, but like sports cards, when you buy a box, there's a no purchase necessary caveat to that because otherwise it's considered gambling because you're buying something that you don't know the value of. So the casinos work the same way in certain states. So in order for them to be legal, they have to give you ways to play for free. And that's what I do. I enter with postcards and I'm talking

[A]

about tea business man.

[B]

Oh, that's what, that's. That's what. Wait, legal? Yeah, it's completely legal. It's just you have to go through the process.

[A]

What's your funding source?

[B]

You'll need all together to do it legitimately. Like with the professional photos, all that stuff. With Amazon, it would be no more than 25k, but.

[A]

Oh, you're never going to get to 25k.

[C]

What?

[B]

And that's what? That's another reason why I want to come here. Because I know my situation. Not the best. I know it's not at all, but pretty bad.

[A]

But live with your mother at 42,

[B]

it doesn't take much to reverse that. And it doesn't. It doesn't matter if you're felon, if you make, even if you make little

[A]

money, you make fifteen hundred dollars a month right now, you're not getting it. 25.

[B]

To me, it's all about the. It's about the mindset people have. It doesn't matter.

[A]

Oh, the grind.

[B]

No, no, not that. Not that. If you make a million dollars a year, you can still be a destitute and poor and waste your money.

[A]

Sure, and you can. Yet you're all of it.

[B]

You can make two grand a month and have more money in the bank than people that make a ton.

[A]

Not you.

[B]

I will, I will.

[A]

Will never have, never do, but will always, in the future, never know.

[B]

That's. That's why I know you're going to change. Yes, I've always been a coward in

[A]

the sense of, you are a coward.

[B]

You're there and not making it known to the world. Personal responsibility. And that's one of the reasons why I came here.

[A]

What do you mean?

[B]

I can say I could tell it to myself. I can tell it to myself all day, look at the mirror every day. But to put yourself out there and more accountability, that is a driving factor. If I'm not willing to change for a lot of other things.

[A]

Okay, then stop saying the N word to black people. Change that.

[B]

Hey, I haven't been doing that. I just. I said it to make a point that it's just a word and I respect. If a black person came to me,

[A]

your black co worker, I'm told.

[B]

Which one? Oh, no, that.

[A]

Which one? Wait, exactly. Exactly.

[B]

Well, it depends on which one you're talking about. Like back in the day when I was playing basketball with them, sure. I. But it was. I was a part of the group. I was in the culture. I thought maybe. You're talking culture. Yeah, this. I was part of black culture. Don't look like it, obviously, but I was one of them, you know, Southside, Chicago.

[A]

Then speak in jive.

[B]

No, you mean Ebonics.

[A]

Sure.

[B]

Okay, well, I kind of did. I. You know, you morph into what you're around, so.

[A]

Sounds like you can't anymore.

[B]

Oh, no. Like, if. If that was the case, I would be speaking Spanish and eating tacos, but.

[A]

Well, they're delicious. What is wrong with you?

[B]

Well, if you go to Laredo, maybe, but. And I don't know if these tacos you have up here, they're not. They're hoity toity crap.

[A]

That's where you can go.

[B]

Cabbage in it. Like, that's not Mexican.

[A]

Going to like a white people taco. Go to a Mexican food truck where they can't speak English. They're everywhere.

[B]

Yeah, that's stripes at the on the board border. Wait, do you know what stripes is?

[C]

No.

[B]

It's a gas station, basically. And they sell tacos and.

[A]

Great. I don't go to the border. It's weird down there. Why? That's where you get the. All the women you pay for.

[B]

No, the little casino down there. You know, you can.

[A]

Oh, dude, you're such a loser. Okay, listen, you have this kind of collections. Oh, so you qualified for credit at some point, but 9977, what's your plan with this?

[B]

That doesn't matter.

[A]

It's been on your credit for two years, so it's going to be on there for a long time.

[B]

Oh, that's.

[A]

I don't know, 9877. What was it?

[B]

That's probably the. The eviction thing.

[C]

Oh, you got evicted.

[A]

Be candid by choice.

[B]

Your family by choice.

[A]

Okay. Your fit. Sure. Your family. Just like you're single. Your family, your parents, your sisters, you're all that good stuff. They all find you pretty pathetic, Correct?

[B]

Oh, yeah. When it comes to finances, sure.

[A]

But comes to your life. Nah. How? What do you mean? Tell me.

[B]

It's the heart. It's the heart. They know I have a good heart.

[C]

What?

[B]

I even have a good heart. I even told my mother that I may be saying some stuff and words on there. You know what she said? Go ahead like you do you. And she. She might not necessarily support language, but she supported me. And what I decided I want to say.

[A]

No, she doesn't.

[B]

My mother is a little, you know, old school. So like grandmothers, you know, if you, if. If you talk to my grandmother and ask about going down the street at night, you know, she'll say some from

[A]

a long line of racists I see.

[B]

Yeah. The hood and all, huh? But they have a nice day on the back.

[A]

Oh, okay. And additional collections is First Premier Bank. Probably a credit card. It was 476.

[B]

I haven't had a credit card in years, so it's okay.

[A]

Well this was in. This has been on collection since months. Five years. So a couple more years and that'll fall off. So what was this? Well, self intended eviction.

[B]

I don't even know if that's true because hey dumb.

[A]

What was the self intended eviction?

[B]

I just didn't like paying the rent. I was paying and I was. I was paying month to month and the month to month rate way too much. And I said you know what? I'm gonna save the money instead and go somewhere else. And yeah, yeah. Just waited till my time was up and used that money elsewhere.

[A]

When.

[B]

Because the same thing is true. When was it Even if you have eviction, you find a place to live.

[A]

Where'd you go?

[B]

You know, extended stay America. I rented a room for about a year in one of those.

[A]

In a drug den.

[B]

This one was not too bad. It was in Round Rock.

[C]

What the.

[B]

Why is really cheap. All bills paid. 1200 bucks a month basically and 1200.

[A]

I can get you cheaper rental and everything after bills paid for that.

[B]

Oh, not necessarily without roommate. Well, depending where you live. I was right.

[A]

Yes. But it would be like his studio.

[C]

Wow. Downtown Road Rock.

[B]

You fight fight a place for $1,200 a round rock without a roommate or nothing.

[A]

What a life.

[B]

It's the. It's the mini six street down there.

[C]

It's not.

[B]

But this difference is you have shut the cougars there that are willing to.

[A]

We've everyone's been to downtown Ron Rock.

[B]

Yeah.

[A]

Get the donuts, buddy. That place ain't nice.

[B]

I. I didn't necessarily say it was nice, but it's not.

[A]

It's better than 6 Street downtown.

[C]

Why would you want to live on 6th Street? I thought. What are you talking about? I know about any of that.

[B]

Even fifth street, seventh Street. They're not that great. I'm just. Austin itself is trash.

[A]

Better than San Antonio, my friend.

[B]

Oh, I'm not going to argue with that. However, they both can be trash.

[A]

Okay.

[B]

I'm just.

[A]

Well, they're safer than Chicago.

[B]

Yep.

[A]

Yes.

[B]

I mean statistically. Sure.

[A]

Statistical standards. And Chicago's barely even reporting their statistics. I don't want to hear it.

[B]

In addition, you think San Antonio is too. In Austin, especially Austin, a liberal city. You think they're going to say oh, look at our crime rates.

[A]

But with the governor and how interjecting they get in our cities here. Yes.

[B]

A bit more governor like. Like the governor really matters.

[A]

It's absolutely. In a strong governor state like Texas and Florida. Yes. Where the governor plays big roles in local politics. You bet.

[B]

I don't know. It was more the AG if anything like they just raided the launch card still.

[A]

You know who our AG is? He's like full.

[B]

Yeah. And he's been overstepping his balance like the local authorities.

[A]

So you can't say it's not different than in Texas, than in Chicago.

[B]

Is that the cities themselves also report things and they just. Okay, they're gonna hide what they want.

[A]

I don't give a.

[B]

Statistics can be swayed.

[A]

You have an additional collections that's been on your credit for two years. 472. I don't know what it's for.

[B]

I don't either.

[A]

Oh, Capital one One.

[B]

Yeah. I haven't had capital one in years. So what they didn't been doing is playing the game where they've been buying the debts or the debt collection and they re reported and then it's another seven years or whatever. I don't know.

[A]

I had a credit one credit card. This wins the elections officially. Oh great. You're a fan. Four years.

[B]

I mean credit's credit. It don't really matter.

[A]

$393.

[B]

Oh, that's not that bad.

[A]

You had kickoff. Kickoff is actually good. It's like a can be. Wait, this isn't actually in collections. It's not. It's currently closed. Not sold to collections yet. Oh, you're actually making pain. Well, until 24. Okay.

[B]

I don't even know what that is.

[A]

So if it's only 45, just pay this and it'll immediately boost your credit. But you don't care about your credit.

[B]

No, I don't care about the credit,

[A]

but that's kind of renting places.

[B]

Back rent, that's. Or paying back debt. Debt, that's all it is.

[A]

It doesn't matter if they use it to actually do things like get you access to a car loan which you might need at some point. Or in an apartment. Yeah, cash. But you're just be getting multi thousand dollar clunkers. Which eventually you're getting to the point. We're getting to the point where it's hard to get a cash car now in people's positions like you. Well, because pretty much the only non shitty car starts at 10,000 minimum. Which good luck saving up 10.

[B]

Not if you know where to look. See, that's where do you look? That's where they have auctions every day, especially government auctions that if you have access to like I do, you can find good cars.

[A]

How long do your cars last? What are you driving?

[B]

Just a pin. A scooter.

[A]

Exactly. Yeah. Let's trust him.

[B]

A pedal like a razor scooter. Motorized. Not like an actual name. No, no, no, I'm talking about like not a road where they scooter. Like on the sidewalk.

[A]

Yeah, no one feels bad for you. Your life sucks.

[B]

I don't feel bad for myself either, but I might as well be honest. Maybe help somebody out of San Antonio. Well, it's either that or Uber, so I guess. That expensive.

[A]

Actually we are technically reimbursing you.

[B]

It's like actually like 120 buck uber there or the bus ride is only compared to like.

[A]

Yeah, that's pretty brutal.

[B]

It's not that bad but like the bus is only like 20 bucks, so that's better. Surprising. Yeah, it's not.

[A]

Okay, how long has it been since you had a car? Speaking of which. Repossession. $10,000 still owed on that. Yeah, that's probably gone to collections.

[B]

It might be over time or whatever, I don't know. Oh yeah, technically it's all my credit, but you know.

[A]

Well, maybe I don't know. Yeah. So. Oh, how close are you to downtown?

[B]

Downtown San Antonio, actually. Technically I live just outside San Antonio, so.

[C]

So what the.

[A]

Do you get around on a scooter too? Into that highway infrastructure. So where are you going after that?

[B]

I just Uber if I need to.

[A]

And when you tell your mom you got fired from Walmart, what is she gonna think?

[B]

She probably saw it coming and I need to make money elsewhere and keep doing what I've been doing and hustling. Like last night I went to the arcade and I played Some games, I won some prizes.

[A]

And if you're listening, mother of this Jerome man. I don't know. A 42 year old is too late for an abortion, but give it your best try because this is just.

[B]

Well, luckily she agrees with me that abortion is wrong no matter the circumstances, so.

[A]

Except it is right in every instance when it involves you.

[B]

No, still wrong.

[A]

You need to not be here in Minecraft.

[B]

She may. May agree with castration or something, but not abortion.

[A]

We should definitely castrate you. You don't have any kids, right?

[B]

I thought I did, but it.

[A]

Well, what do you mean? So what does that mean?

[B]

When I came down here to San Antonio and I met that lady, we hooked up, she got pregnant and I was going to be a dad, going to be responsible, but she thought I was cheating on her, slapped me, threw a drink in my face in front of my family at bowling and so I decided to break up with her. We weren't together. I was there for the birthday. My insurance called me and said we're not covering the child and the bills and stuff because you didn't sign the birth certificate. Certificate. I had no idea what I was doing. Didn't know that was a thing. So I took her to the magistrate to get child support done and get visitation rights and all that. Do the whole nine yards. And my insurance said we need you to either get your name on birth certificate or have a test. I know like. And I got a test and found out it wasn't my kid and it was some illegals from friend from Mexico and she just thought I'd be a better suit for the kid because I had a job and everything.

[A]

Why do you have core fees? $2,500.

[B]

My DUI every year. You owe.

[A]

Why aren't you paying on that?

[B]

Oh, I am. That's.

[A]

That's minimum.

[B]

No, that I pay is a minimum 90amonth. About.

[A]

Okay, there we go. We finally got a minimum monthly payment to see this.

[B]

You have. I'm not going to prison for something stupid.

[A]

I hope you do.

[B]

Yeah, no, it's.

[C]

Oh.

[A]

And somehow the. Your family is literally. Cuz they've lent you $25,000 over the year.

[B]

Over time. Yes. Yes.

[A]

That's crazy. Oh, bail you out of jail. That was 10,000 hours and ext. 15k for old credit cards and a car?

[B]

Yeah.

[A]

Insane. Why would they trust you with someone to lend to? Give me your phone.

[B]

The. Which one? No, I'm just kidding. I used to have another phone but I got rid of. Was for business purposes. That was when I was selling stuff online.

[A]

Doesn't have a Tinder. How do you meet people?

[B]

A Facebook dating. Of course. Yeah.

[A]

Crazy.

[B]

Oh, it's a lot better than all the other apps, man. You can't. You can't go with any other app. Really?

[A]

Facebook dating is better. Is that where you get all.

[B]

But, oh, yeah, it's. I'm telling you, it's not as hard as people think. Men need to understand that depending on what you're looking for, you can find a woman. It's not that hard. Just know what you're looking for and go for it. Don't be afraid to take a chance and do something.

[A]

What are you talking about right now?

[B]

No, I'm just the men that need a little bit of oomph and help. Don't be scared. Do it. Send that dm. Just do it in a good way. Don't. Don't send a, you know, dick pic or nothing.

[A]

Huh?

[C]

What?

[A]

Are you talking to me right now?

[B]

No, I'm talking to the lonely men out there.

[A]

Oh, my goodness. Yeah, listen to this guy. He'll save you.

[B]

Well, okay.

[A]

Talking to your friend about. That's good. You were talking about.

[B]

Oh, okay. I don't know which one this is,

[A]

but just going through the. The messages. Who the is.

[B]

Oh, that's my most current X.

[A]

Well, you're currently messaging.

[B]

Yeah, well, kind of. We went to a movie last week or so and we have our diff. I don't know. That's good. Oh, that's an old Pokemon.

[A]

She's almost.

[B]

Well, yeah, no, we used to.

[A]

You said happy birthday, sexy. She never responded. She hasn't responded to.

[B]

No, I haven't seen her in like 5 is.

[A]

You are a sex addict. It's just women.

[C]

Yeah.

[A]

Oh, you're okay.

[B]

There's no reason. There's no reason to talk to men on Instagram. That's kind of stupid.

[A]

I feel like. Okay, maybe accusations are true comedy messages without any responses.

[B]

Well, that's including.

[A]

Including, by the way, photos that have disappeared that you've sent to them.

[B]

I didn't even know you could do disappear photos.

[A]

You're sending these women. Dude, you're just messing. Look, he just messages women and they barely respond. This is crazy. He just sends photos out of nowhere. Who knows even what they are? This is crazy.

[B]

Oh, I'm sure somewhere the nasty side. But it depends on the circumstances.

[A]

I mean, sex is good. I mean, it's fine, but it's just like. It's crazy.

[B]

Well, okay, here's the thing too, is that. Don't don't do anything unless it's a real woman. Lay down the. And actually talk to your wife.

[A]

Lay down the. Harry is asking for this woman's Venmo for nudes.

[B]

No. That was a no. I would never pay. I know. She. She sent it.

[A]

Okay. Give me a few moments to clean up and I'll download it. Lol. Oh, yeah. That's just a joke.

[B]

Yeah. I never.

[A]

Venmo to Venmo.

[B]

Even my ex. This most current one that you said. Whatever. She. She sent me like an Apple request for $100, and I say, hey, what are you gonna send me?

[A]

This is a mess.

[B]

Trust me, it was. It's worse back then. I've gotten better in the last few months. I trying to clean up, but I

[A]

don't care if you're goon. Just make sure it's consensual. Goon. Oh, yeah.

[B]

Yeah.

[A]

A lot of women right now online are like terminal online victims. Crybabies where they think you rub up against them. Weird. They just got assaulted, but it's like you.

[B]

Well, I don't understand women. So here's a. Here's what got into my head and what makes it worse is that.

[A]

Here's another conversation with. About his. Yeah, I forget about conversation about his.

[B]

Oh, she's very religious. You can't.

[A]

Huh. Here's a conversation with about his. I don't know, but you've talked to a lot of people about. Oh, it's a bit interesting.

[B]

And there's a.

[A]

So multiple women about you being accused of. Since 22. Okay. One was July 16, 2024. About you being a. October 19, 2025. About you being a. May 19th of this year.

[B]

About you being a. Yeah, it doesn't help that.

[A]

That you keep. No, it doesn't.

[B]

That I. Serial data I've been with over probably 100 people and.

[A]

Okay, yeah, congratulations. 100 people. Yeah, you stick it in. It's not hard to stick it in.

[B]

Well, it has to be, actually. But, you know, about that.

[A]

You suck, actually. You owe a lot because you're past due on your student loans.

[B]

Oh, well, that's. You know. Oh, they'll get that too, eventually.

[A]

But yeah, no, they'll garnish your wages for that.

[B]

Yeah, they can.

[A]

Once they figure that. That you have a wage and then it's all of a sudden gone. And then.

[B]

Well, that's another reason to work is so I.

[A]

It's another reason of you being a taker, not a giver. What's your normal student loan monthly payment?

[B]

Zero.

[A]

No, you have a regular payment amount of 227.

[B]

Just came out. Deferment or something.

[A]

Nine.

[B]

Is that it?

[A]

Yes, 227. And you're behind by three months. Cuz it just started.

[B]

Dude, you saw maybe that I should, you know, start paying up.

[A]

Shut the up. And I didn't get $14,749.23. What degree did you not get?

[B]

Yeah, yes, Business. It taught me a lot.

[A]

One, Pay.

[B]

That's.

[A]

Oh, it's a builder cardio. Two.

[B]

Yeah, that's just my Walmart pay card or whatever. And they make it easy to do your pay and get advance if you need it.

[A]

Yeah, all you're getting is Walmart. Except none of it is groceries, cuz it's like energy drinks. 4103-554121-24478, 48. You're just getting at Walmart. Yeah, yeah. Pack your lunch. I. I know I'm not gonna be able to convince you. You're such a worm.

[B]

I will eventually.

[A]

Subway. Subway.

[C]

McDonald's.

[B]

Okay, that's just across the street though, so.

[A]

And whatnot. What?

[C]

Not.

[A]

Why not? Why not?

[B]

Okay, that's cards mostly. Yes, but you know your child when you.

[A]

What's Exodus.com? pathetic worm exodence.

[B]

What?

[C]

Exodus.

[B]

What's. Well, that's my crypto from casino stuff. Gotta use it to gamble.

[A]

McDonald's. A lot of bullshit.

[B]

You gotta move money around when it comes to gambling with crypto. So got to use Exodus. I mean, that's part of my job. Well, hustle. Not necessarily job, but can we please bring in Tyler? That's a lot of. That's more paper than I thought. I just downloaded and didn't even look. What the.

[A]

Oh, your savings has gone down. No surprise. Well, it's Fargo. Oh, great. Amazon Prime. Amazon, Sam's. Pull up your Venmo. Sam's, Amazon.

[B]

There's nothing on chick fil A. McDonald's,

[A]

McDonald's, Appleville, eBay, McDonald's, Buzz Bad, Subway Smart Action. Chick Fil A, Bill Miller Barbecue Appleville, Schlotsky's, Bus Bed, Lyft ride. Uber, Uber, Walmart. Makes sense.

[B]

I don't even know where my Venmo is.

[A]

I'm so, so excited to call your boss. You have no idea. You have your directs. Your boss's phone number, Right?

[C]

Right.

[B]

Yeah, one of them. Yeah. Good.

[A]

We're calling him in the post show. All right, here's the absolute.

[B]

That's insensitive right there.

[A]

What's going on over Tyler? We're gonna close the show. With your worst nightmare, a black man. The thing is, I hate you. You're a bad person. You're also pathetic. And you're a horrible excuse of a man and I hope no one looks up to you. You're a bad person. I'm not making you a budget. You can go yourself. I don't give a. You're a pathetic, disgusting creature that barely deserves to be on this earth in Minecraft. But here's Tyler. Do you want to apologize? I want to give you the opportunity for the couple minutes we have left before we go to the post show and call your boss and ruin your life even more.

[B]

I. I want to apologize that you were hurt by something that was said. All right. I will apologize for using the word if it meant something to you more than what's it just say?

[C]

You apologize for using a word in general.

[B]

Stop being really you're.

[C]

I hope you know that you really are would be.

[B]

You're apologizing.

[C]

You're a ho ass. That's what the you is.

[A]

That's.

[B]

That's what the you actually am.

[C]

You're. You're a.

[B]

You're a.

[C]

You're. You're. Realistically. But like, it's all good. It's all good. I appreciate you, cuz. You're just going to be who you are. And when you go outside and get your ass knocked the out, that's fine. You can laugh all you want to. That. It's not a joke. You a.

[A]

It's not a joke. And I do have a question. Why are you getting like $10? 16 hours? $10, $32. What drugs are you selling from these PE to these people on Venmo. You're getting paid a lot.

[B]

Yeah, cuz. Need to eat. What you got to. You got to feed them, man. You got to take care of your people now. We're not going down.

[A]

Taylor. I want you to kick his ass, cuz. He deserves it. I just don't want you to get hurt.

[B]

He's a soft. I'm not gonna get hurt.

[A]

I don't think you're soft, dude.

[B]

You are.

[C]

You want to find out? You. You want to find out?

[B]

You could beat me in arm wrestle. You want to find out? Man, I'm scrappy as hell.

[C]

You want to find out? We can find out. Yeah, give me full permission.

[B]

Set up a ring.

[A]

I don't care. I just don't want you to get sued.

[B]

No, he wouldn't. If I could find the out.

[C]

If you want to see, we can. I'll knock your old ass Out.

[B]

You really want to get beat up?

[C]

If you really want to get beat up, let's do it.

[B]

I just got my insurance. Let's go outside the first. No, no.

[C]

Don't be scared. Don't be. Now let's go outside. I'll you up.

[A]

Tyler, don't give into the stereotypes. You're not all violent.

[B]

No, he's actually.

[C]

I'm dead.

[B]

As a matter of fact, the stereotype was even worse for him cuz he seems like a soft.

[A]

You don't get the joke. We're friends, we joke.

[C]

I'm not.

[B]

That's not a joke. It seems a little soft being.

[C]

Okay, let's go. Let's do it.

[B]

No, no, no.

[C]

Let's run it. Let's run it.

[B]

You seem let.

[C]

Let's do mutual combat so nobody gets sued. I'll shake her hand and then beat the out you. If that's really what you want. Let's do it. No, I. I'm so dead ass. Let's do it.

[B]

I would too.

[C]

Let's go outside so I can beat your ass. You think I'm pussy. You think I'm soft.

[B]

I did not. I said that you think I'm soft. I said that you think I'm soft.

[C]

I'm not soft. I will beat the out you. If you really want to do that. If you really want to do that.

[B]

Soft in the sense.

[C]

Tell me you want to fight me. Tell me you want to fight me so we can do it.

[B]

Soft in the sense that.

[C]

Watch you backpedaling now. Coward.

[B]

You're backpedaling. No, in the sense.

[C]

So you don't want to fight.

[B]

Oh, I will. I'll scrap. Let's do it. I will scrap.

[C]

Let's do it.

[B]

Well, actually. Actually.

[C]

Take that back.

[B]

Take that back. I just realized I normally would.

[C]

Howard.

[B]

I have to. I am because of one thing. It violates my probation. That's the only reason why. That is the only. I just thought about that. I could get in trouble. Even if it's consensual, I would still get in trouble. Otherwise I will give you the date that I can. And I will. I will come.

[A]

Well, stay tuned.

[B]

I forgot about that.

[A]

In the moment he is off probation, a black man will beat his ass ass. And for the first time on black on white crime, it'll be justified.

[B]

No. And then he's gonna. He's gonna take. I have to take away his black card when he loses.

[A]

I'm making a joke here.

[B]

No, it's not a joke. I don't take the black card.

[C]

No, no. Set this up. Set this up. Set this up. When he's off of probation.

[B]

No, even if I'm not. No. Even if I look what I'll do what I'll do. Even if I'm off probate on probation. I will ask my probation officer if there's a call, a contract we can do and we can make it happen.

[A]

Call him.

[B]

I will that great for. Call him great for post show because

[A]

we'll do that in the post show and I'm also going to call his boss first and get him fired.

[B]

Cuz I was trying to avoid that one.

[A]

Nope, we're doing that one. You're and I don't give a. I really don't. Your life is ruined and I don't care. Guys, join Hammerly. Join us for this post show. You know it's going to be a good one. Sorry that it wasn't the most productive episode, but he's a piece of productive and men don't listen to him. Men do not listen to him. Do not be like him. Be better. You are better. We are better. Please guys, please do not be a failure at 32. Join Hammer Elite. Click the join button to join it on YouTube or you can watch it on our very own [e-mail] or by downloading Hammer Elite. Love you guys. Thanks for being at like 110000 members. You guys are awesome guys.

[B]

Shoot your shot.

[A]

Yeah, you're gonna get shot and you deserve it. See in the post show I wanted to report your employee. Your employee will be on camera in front of millions of people saying the full N word. Has also been accused of break multiple times and today him not being at work. He lied about being sick. This guy.

[B]

This is the worst guest we've ever had on.

[A]

I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise you can.