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
Guest: "Jerome" (pseudonym)
Date: June 24, 2026

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Episode Overview

This controversial episode of Financial Audit takes a dramatic turn from the show’s usual focus on financial literacy. Host Caleb Hammer interviews "Jerome," a 42-year-old Walmart associate living in San Antonio, Texas. The episode veers quickly into explosive territory as Jerome insists on discussing race, the N-word, his own checkered philosophy on language, and troubling personal behavior—including openly using racial slurs on air.

What follows is a charged confrontation between Jerome, Caleb, and Tyler (a Black crew member), focusing on race, accountability, empathy, and the meaning of free speech, peppered with discussions of Jerome’s financial mismanagement and lifestyle failures.

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Key Discussion Points & Insights

1. Jerome’s Background and Work Life

• At [01:06] Jerome introduces himself: age 42, San Antonio resident, Walmart associate earning $14/hr.
• Was once an engineer for the railroad—left a high-paying job for current retail position, citing a pursuit of "other endeavors" and needing employer-sponsored health insurance.
• Reports a mix of employment, including side hustles in arcade prize flipping and online gambling.

2. Race, Language, and the N-Word

• At [05:23] and repeatedly through [15:30]
  • Jerome claims a deliberate choice in using "Jerome" as a name, asserting he rejects using race as an excuse and pushes against "race, gender nonsense."
  • He insists language is a "social construct" ([06:19]), declaring, "The word itself is not bad. It’s dependent on how you use it."
• Memorable Confrontation at [08:11] to [15:00]:
  • Jerome says the N-word directly in front of a Black colleague, Tyler, rationalizing it as "just a word," unconcerned that it is deeply offensive.
  • Tyler reacts with disbelief and anger, "To my face, er, is crazy" ([08:56]), and Caleb, often edgy himself, admits: "As someone that doesn’t find anything offensive ... I think I’m offended. I think I’m offended on your behalf" ([13:36]).
  • Jerome refuses to apologize, arguing his usage is philosophical to prove “words only have the meaning we give them.”

3. Empathy, Offense, and Personal Responsibility

• [15:19]–[16:43]
  • Caleb: "Facts over feelings. I agree with that. But that’s when we’re debating economics. What you’re doing is sitting here in front of a black guy and just saying something because it’s offensive …"
  • Jerome: "I don’t care about people’s feelings. It’s not about feelings, it’s about facts and reality."
  • Caleb highlights: “If you know it hurts [someone’s] feelings, why not hold for at least five seconds until that person leaves?” ([22:27])

4. Jerome’s Financial Life: A Case Study in Dysfunction

• Employment: Quits high-paying jobs, now working low-wage with frequent employment gaps.
• Side Hustles: Sells arcade prizes, exploits free-play gambling promos via the mail, but admits often losing money and being “single by choice.”
• Living Situation: Lives with his mother after being evicted and spending time in extended stays ([36:42]–[37:04]).
• Legal Trouble: Admits to three DUIs, has to blow into a breathalyzer daily ([37:17]), is on probation, and cannot drive.
• Debt and Tax Issues: Heavily in debt to the IRS from unpaid taxes dating back to 2015, owes back rent, collections, and has defaulted student loans. "You are the weak men that create hard times" ([53:58]).
• Attitude Towards Debt: Shows little concern for consequences, planning to wait until garnishments.

5. Philosophy on Society, Women, and Self-Image

• Jerome regularly rants about “men today,” gender politics, cancel culture, and criticizes women—while embodying many “failure” traits himself, as Caleb points out: “You are the example of what is wrong with men” ([42:45]).
• Describes a series of failed relationships, refers to accusations of sexual misconduct in dating groups, denies wrongdoing, claims cancel culture is weaponized ([44:44]–[47:32]).
• Boasts about numerous sexual encounters, but upon phone inspection, is shown to mostly cold-message women who don’t respond ([85:14]).

6. Final Confrontation and Non-Apology

• [91:11]: Caleb gives Jerome a final chance to apologize to Tyler for use of the N-word. Jerome offers a classic non-apology: “I want to apologize that you were hurt by something that was said. ... I will apologize for using the word if it meant something to you.”
• Tyler calls him out: “‘Just apologize for using the word in general.’ ... You really are a hoe ass ... When you go outside and get your ass knocked out, that’s fine. ... You a [slur].” ([91:36])

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Notable Quotes & Timestamps

• Caleb [04:07]: “Okay, so you’re a failure at 42.”
• Tyler [08:56]: “To my face, er, is crazy.”
• Caleb [13:36]: "As someone that doesn’t find anything offensive in this world, I think I’m offended. I think I’m offended on your behalf."
• Jerome [15:12]: "I don’t care about people’s feelings. It’s not about feelings, it’s about facts and reality."
• Caleb [42:45]: “You are the example of what is wrong with men. You are pathetic. Living with mom at 45 as a man.”
• Jerome [53:58]: "You are the weak men that create hard times."
• Caleb [91:10]: “I hate you. You’re a bad person. ... Never making you a budget. You can go fuck yourself.”
• Tyler [91:36]: “I hope you know that you really are ... when you go outside and get your ass knocked the out, that’s fine.”

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Important Segments & Timestamps

• Jerome’s Background and Early Philosophy: [01:06]–[06:00]
• On Race and Language: [05:23]–[15:00] (explosive race discussion)
• Confrontation & Use of N-Word: [08:11], [08:56], [13:36], [15:12], [91:11]
• Jerome’s Financial Dysfunction: [30:03]–[40:10], [53:34]–[54:32]
• Jerome’s Legal Issues and Living Situation: [36:42]–[37:04], [37:17], [41:02]
• Debate on Empathy and Accountability: [15:19], [22:27], [42:35]–[47:32]
• Final Non-Apology and Showdown: [91:11]–[94:31]

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Conclusion

This episode is a raw, uncomfortable confrontation both on issues of race and financial irresponsibility. Jerome provides a case study in self-destruction: financial instability, addiction, legal troubles, bigotry, and refusal to accept basic norms of social conduct or accountability. Caleb and Tyler push hard to hold Jerome to account, but he remains unrepentant.

Key Takeaway:
Caleb’s final admonition: "Men do not listen to him. Do not be like him. Be better. You are better. We are better. Please, guys, do not be a failure at 42."

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Disclaimer: Contains explicit, offensive language and discussion of highly sensitive subjects. This episode is not typical for the series, which generally focuses on financial education but here becomes a showcase for confronting racism and exposing the depths of dysfunctional, self-justifying financial and personal behavior.

Transcript

[Caleb Hammer]

To watch episodes of financial audit a week earlier. Check us out on YouTube. You're actually the most pathetic person I've ever met. On probation. Has to blow into a breathalyzer. Can't drive lives with mother. Vehemently racist.

[Jerome]

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

[Caleb Hammer]

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

[Tyler]

Say what? I mean, who the is a soft dude, you are. Who the is a soft. You want to find out? You want to find out?

[Jerome]

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

[Tyler]

You want to find out? Can find out.

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

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.

[Jerome]

I. I think maybe. Yeah.

[Caleb Hammer]

Okay. Welcome up to Austin.

[Jerome]

Ancestry says a few things. So, you know, I thought A few things.

[Caleb Hammer]

That's just called over.

[Jerome]

I think we all come from Africa, right?

[Caleb Hammer]

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

[Jerome]

Oprah said it, so.

[Caleb Hammer]

And Oprah is black.

[Jerome]

She's from Chicago, where I identify as.

[Caleb Hammer]

Where the other blacks are.

[Jerome]

Exactly.

[Caleb Hammer]

Like you.

[Jerome]

Yep.

[Caleb Hammer]

No.

[Jerome]

No.

[Caleb Hammer]

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?

[Jerome]

High school and some college.

[Caleb Hammer]

Okay. I asked what you're doing for a living.

[Jerome]

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

[Caleb Hammer]

Oh, okay.

[Jerome]

Yeah.

[Caleb Hammer]

Vague for a second. Right into the actual place.

[Jerome]

Don't. Yeah.

[Tyler]

Okay. Wow.

[Caleb Hammer]

Wait.

[Jerome]

Uhhuh.

[Caleb Hammer]

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.

[Jerome]

Yeah, basically.

[Caleb Hammer]

Why at 42? Is that what you're doing?

[Jerome]

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

[Caleb Hammer]

What the. That's money.

[Jerome]

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

[Caleb Hammer]

too at a Walmart for 15 an hour.

[Jerome]

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.

[Caleb Hammer]

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?

[Tyler]

14.

[Caleb Hammer]

Okay, 14. Whoops me.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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%.

[Caleb Hammer]

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?

[Jerome]

Yes.

[Caleb Hammer]

Okay, so you're a failure at 42.

[Jerome]

Not really.

[Caleb Hammer]

How many hours a week do you work for?

[Tyler]

That many?

[Jerome]

Too many.

[Caleb Hammer]

How's that a number?

[Tyler]

Jerome?

[Jerome]

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

[Caleb Hammer]

Isn't that good?

[Jerome]

No.

[Caleb Hammer]

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

[Jerome]

Oh yeah, because my legs hurt, my knees hurt. There's concrete then.

[Caleb Hammer]

First of all you're 42, you're not like 80.

[Jerome]

Yeah, focus on, focus on other endeavors.

[Caleb Hammer]

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

[Jerome]

Insurance. That's main reason.

[Tyler]

What?

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

Yeah. I didn't say go be 1099. I didn't say go be a contractor. Did I suggest that?

[Jerome]

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

[Caleb Hammer]

career path at this point, you have failed.

[Jerome]

Well, I already.

[Caleb Hammer]

Career path.

[Jerome]

I already was.

[Caleb Hammer]

Yeah, there you go. You didn't.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

It be paying for it on the.

[Caleb Hammer]

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.

[Jerome]

I don't even understand what the Are you talking about.

[Caleb Hammer]

Okay, I thought it was weird that

[Jerome]

we named you Jerome.

[Caleb Hammer]

Lie. But now I.

[Jerome]

And 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 Jerome.

[Caleb Hammer]

What needs to be said?

[Jerome]

Anything and whatever. Whatever anybody wants, but.

[Caleb Hammer]

Oh, that sounds like you're too afraid

[Jerome]

to say what he said.

[Caleb Hammer]

No, if you want to be said,

[Jerome]

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

[Caleb Hammer]

So you have no fear to say it?

[Jerome]

No, I don't. I have no fear to say anything within. With the considering intent and context.

[Tyler]

Okay.

[Jerome]

The word itself is not bad. It's dependent on how you use it. Just like.

[Caleb Hammer]

Very good. Well, why'd you say not the R word? And why'd you call the N word the N word, though?

[Jerome]

That's. Oh, I'll say it right now.

[Tyler]

Okay.

[Caleb Hammer]

Let's call him Tyler.

[Jerome]

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

[Caleb Hammer]

He's not from Chicago.

[Jerome]

Well, he. Jose, 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.

[Caleb Hammer]

Yes. There's black people in Detroit.

[Jerome]

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

[Caleb Hammer]

But yeah, I mean, what point are you trying to make?

[Jerome]

I'm just trying to make that if you're going to say something, do.

[Caleb Hammer]

This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new.

[Jerome]

It can help you with practically anything

[Caleb Hammer]

on the web, like restoring a vintage motorcycle from a 50 page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it, ready to make anything online make sense. There's no place like Chrome. Check responses set up required compatibility and

[Jerome]

availability various 18 and I'm tired of everybody come on shows doing actually apologize

[Caleb Hammer]

for the first time in my life for what's about to happen.

[Jerome]

But please, you don't apologize.

[Caleb Hammer]

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.

[Tyler]

Say what?

[Caleb Hammer]

Tactical nuke incoming.

[Jerome]

My. That I can't even look at.

[Tyler]

There.

[Jerome]

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

[Caleb Hammer]

Letting you run with it. Buddy,

[Jerome]

I didn't call you my.

[Tyler]

You know what the why the hard order.

[Jerome]

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

[Tyler]

Yeah, but not you saying it regardless.

[Jerome]

So yeah, to my face.

[Tyler]

To my face, er, is crazy.

[Jerome]

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.

[Caleb Hammer]

You looked me in my eyes.

[Tyler]

Well, he told me you looked me in my eyes. He.

[Jerome]

He could dumb.

[Tyler]

I 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.

[Jerome]

No, I said the word I didn't.

[Tyler]

To me. Directly in my eyes.

[Jerome]

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?

[Caleb Hammer]

Negro.

[Jerome]

Yeah. How's the Negro more acceptable.

[Tyler]

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

[Jerome]

Okay, what about just one G?

[Tyler]

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

[Jerome]

I'm trying to look him in his eyes. See, now he looks like an old girl.

[Tyler]

Call Caleb that. He's like, call Caleb that.

[Jerome]

Culture.

[Tyler]

Why the hell are you stopping? Why are you scared? Call him. What? What?

[Caleb Hammer]

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

[Jerome]

So let me ask you this. As the least.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

That. That is racist. All people racist.

[Jerome]

No, it's the same as. I saw a previous guest, too, also mentioned 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.

[Caleb Hammer]

A point to be made.

[Jerome]

Yeah. Yeah. Am I supposed to pay reparations to everybody that has a disagreement with the past? Hell, no. What about my Jewish friends that. You know? I'm just saying, man, we're gonna go down that road where one section of society gets reparations, and we need to go down every section. You know, just gonna be honest. Black people sold black people. You. You want to go get reparation from Africa?

[Caleb Hammer]

No.

[Jerome]

And I don't. I'm just saying. Oh, by the way, Happy Pride Month.

[Tyler]

Just.

[Caleb Hammer]

Okay, Okay.

[Tyler]

I got. I got a question for you.

[Jerome]

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

[Caleb Hammer]

Come on. Come on.

[Jerome]

We're brothers.

[Caleb Hammer]

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 gonna 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.

[Jerome]

Why? Why is it different?

[Tyler]

What the.

[Jerome]

Why is.

[Tyler]

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

[Jerome]

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

[Tyler]

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.

[Jerome]

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

[Caleb Hammer]

Like up to the individual, though. That's language.

[Jerome]

No, it's up to society that created it. That's like 100 years ago. That word wasn't offensive. Like. Like it just almost sound like I said it again.

[Tyler]

No, you did say it again. Negro. Negro, may please have a water?

[Jerome]

I'm just so. There's the way.

[Tyler]

Doesn't feel right.

[Caleb Hammer]

It doesn't feel right.

[Jerome]

No, it's.

[Caleb Hammer]

I can't put my hands.

[Tyler]

Like, I can't put my hands. I'm not.

[Jerome]

I'm just saying.

[Tyler]

Listen, I got. I got.

[Jerome]

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

[Tyler]

That?

[Jerome]

I'm just making a point that

[Tyler]

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

[Jerome]

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

[Tyler]

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

[Jerome]

That's what's wrong there.

[Tyler]

There is no truth, bro. Do you know the history behind that word at all?

[Jerome]

Yes.

[Tyler]

For somebody. What's the history?

[Jerome]

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

[Tyler]

No mother. We were property.

[Jerome]

With the slaves.

[Tyler]

We were slaves, they called us. We weren't. We were three fifths of a person.

[Jerome]

Let me ask.

[Tyler]

We weren't even. We were property.

[Jerome]

Do you like comedy?

[Tyler]

Sure. Comedy.

[Jerome]

Have you ever seen Blazing Saddles?

[Tyler]

Sure.

[Jerome]

Okay.

[Tyler]

You're not comedian.

[Caleb Hammer]

This isn't a comedy show.

[Tyler]

You're not a comedian.

[Jerome]

No, I.

[Tyler]

He, he hide. Exactly. But my point is, nobody's.

[Jerome]

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 derogatory way. Same with boy. Like it's just, it's just a word.

[Caleb Hammer]

But you said it.

[Jerome]

Yeah, I said it.

[Caleb Hammer]

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 kn. It had meaning to him.

[Tyler]

Yes, to me.

[Jerome]

I don't care.

[Caleb Hammer]

So you don't care about him?

[Jerome]

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

[Caleb Hammer]

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.

[Tyler]

He.

[Caleb Hammer]

Ha.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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.

[Jerome]

Fine. But it doesn't mean that.

[Caleb Hammer]

Why?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Negative. With. Well then the intent wasn't negative. Let's just be.

[Caleb Hammer]

Wasn't positive.

[Jerome]

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?

[Caleb Hammer]

Like if anything positive it 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.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

But if you. So, okay, here's the thing. Like, do I think. Do I agree with all the transition shit that's happening all the time anyway? Okay, no, because, like, the kid shit 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 it. 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.

[Jerome]

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

[Caleb Hammer]

Who cares? If I'm lying to someone for 30 seconds and they feel good, then I'm okay with it.

[Jerome]

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

[Tyler]

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

[Jerome]

Okay.

[Tyler]

No, no, don't say. Look at you. Say it again.

[Jerome]

No.

[Tyler]

Swear to God.

[Jerome]

There's a difference in saying the word.

[Caleb Hammer]

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

[Jerome]

Same boy.

[Caleb Hammer]

Okay.

[Jerome]

And. And context with also being 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.

[Caleb Hammer]

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

[Jerome]

Yeah, that.

[Caleb Hammer]

So there you go.

[Jerome]

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.

[Caleb Hammer]

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 in every way. What do you know?

[Jerome]

You use the word a lot. I used to mention it. Do you know the meaning behind it?

[Caleb Hammer]

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

[Jerome]

You Can.

[Tyler]

Because you can.

[Caleb Hammer]

But why would I, Why would I hurt that person's feelings intentionally?

[Jerome]

You.

[Caleb Hammer]

I call someone like you because you're fits though.

[Jerome]

Now see, here's. Here's the thing.

[Tyler]

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

[Jerome]

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

[Caleb Hammer]

I wouldn't do that.

[Tyler]

You gotta have comments.

[Jerome]

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

[Caleb Hammer]

dude, we are the polar opposite in every way whatsoever.

[Jerome]

Am I woke of woke.

[Caleb Hammer]

And yeah, even you are just like no crazy.

[Jerome]

In my, in my old job, there was 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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

I think that has different. Either way, 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, call them to their face? No.

[Jerome]

I mean, absolutely not.

[Caleb Hammer]

Because what's the intent at that point? But you just went out of the way because at the point the only thing you're doing is hurting someone's feelings

[Jerome]

to make a point. That 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.

[Tyler]

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 about?

[Jerome]

To prove a point?

[Tyler]

What are you talking about?

[Jerome]

To prove a point? Other than what the.

[Tyler]

What are you proving?

[Jerome]

That the word doesn't. It should not have that mean behind it.

[Tyler]

Look at the reaction of everybody.

[Jerome]

I'm just saying you.

[Caleb Hammer]

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

[Jerome]

Some of my best friends were black, so.

[Tyler]

Oh, here we go. The same.

[Jerome]

Oh, my best friends, they still are

[Caleb Hammer]

black, but you know, only I can pull that trope.

[Jerome]

Oh, 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.

[Caleb Hammer]

Oh, we're not bleeping it.

[Jerome]

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.

[Tyler]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

So it's just like effort.

[Caleb Hammer]

Oh, okay.

[Jerome]

Yeah, I'll say it's a cigarette back in the old days. And it's also gay people. So what?

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Either me go anti woke.

[Jerome]

It's like. Wait is short word. Like the.

[Caleb Hammer]

Let me go anti woke for a second. Yeah, I'm. Oh, let's just. I don't even fully agree with this, but let me just advocate, like, say it behind the scenes. Say that word behind the scenes. Even say that word behind the scenes. I fully agree with that. Not necessarily, but like, again, I. 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.

[Jerome]

Do you get.

[Caleb Hammer]

I understand what you're saying.

[Jerome]

Yeah. So then you know I'm not doing that intentionally. That's going.

[Caleb Hammer]

It doesn't matter. It doesn't matter if you're doing intentionally or not. If you know it does. Why not hold for at least five seconds until that person leaves?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

No, not my safe space. Apparently his safe space. Because he's offended.

[Caleb Hammer]

This is everyone's.

[Tyler]

What?

[Caleb Hammer]

Oh, buddy, I don't. Come on.

[Jerome]

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

[Caleb Hammer]

There's a black man across from you.

[Jerome]

I should feel more scared. You're saying.

[Caleb Hammer]

Yes. That was a black joke.

[Jerome]

Yeah, Yeah.

[Caleb Hammer]

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 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 credit 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 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 now at PDS debt.com hammer that is PDS debt.com hammer PDS debt.com hammer. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes 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. Dollarwise.com, link in the description below. Okay, thank you, Tyler. Well, actually not thank you. Apologies, Tyler. But I appreciate you.

[Tyler]

Appreciate you too.

[Caleb Hammer]

And I would never.

[Jerome]

I gotta ask him real quick before. Are you actually a fan? Are you a poser?

[Caleb Hammer]

Man.

[Jerome]

I see. You know, I just gotta.

[Caleb Hammer]

Yes. He wears the Blackhawks jersey all the time.

[Jerome]

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

[Caleb Hammer]

But you live in the same.

[Jerome]

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

[Caleb Hammer]

Antonio.

[Jerome]

Yeah. Unfortunately.

[Caleb Hammer]

You're the poser.

[Jerome]

What? Because I don't like talking.

[Caleb Hammer]

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

[Tyler]

Tyler?

[Jerome]

No tacos.

[Caleb Hammer]

Who doesn't like tacos? You're a freak. You can't be trusted.

[Jerome]

Italian beef sandwich.

[Caleb Hammer]

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

[Jerome]

Italian beef sandwiches all the way.

[Caleb Hammer]

So. What the. 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?

[Tyler]

So.

[Caleb Hammer]

Okay. So you're gonna be one of the incredibly rare guests in the history of this episode that is going to get fired from their job by being on here. And I think you deserve it.

[Jerome]

I probably will because I took the days off anyway today and I should already over my limit. So. Whatever.

[Caleb Hammer]

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

[Jerome]

No, I'm. I'm a little sick. You know. Yeah. That's. I mean.

[Caleb Hammer]

Walmart. Yeah, Walmart. We know who the majority of your customers are. He's calling them words.

[Jerome]

I mean you.

[Caleb Hammer]

So what's.

[Jerome]

When you pay your employees a little bit. They are only there just to collect the paycheck. That's what you get. You know.

[Caleb Hammer]

I agree. But you doing that at 42s. Pathetic.

[Jerome]

Well, there's a reason for that though.

[Caleb Hammer]

What's the reason?

[Jerome]

I wouldn't even have the job.

[Caleb Hammer]

What's the reason? Jerome?

[Jerome]

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

[Caleb Hammer]

How do you owe taxes?

[Jerome]

And I also. For insurance. I. They 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.

[Caleb Hammer]

Are you here. It wasn't to say the n word on one of the most viewed podcasts in the world. Right?

[Jerome]

No, But. But as I see.

[Caleb Hammer]

Added bonus.

[Jerome]

Yeah. Because I think 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.

[Caleb Hammer]

And are you you, the IRS money?

[Jerome]

Yeah. Oh, yeah.

[Caleb Hammer]

And you also can't understand intellect and

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Yes. But it depends where.

[Caleb Hammer]

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.

[Jerome]

Offended, well, that's fine. They can be offended all they want. It doesn't matter.

[Caleb Hammer]

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

[Jerome]

to someone who'd be a friend, it doesn't matter.

[Caleb Hammer]

Doesn't matter. My dick gets bigger.

[Jerome]

Cause I'm a crazy with refreshed speech. There's no such thing as absolute free speech. There are limits to that with context.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Oh, yeah, that would actually be interesting.

[Caleb Hammer]

Yes.

[Jerome]

Because I, you know, you deserve it.

[Caleb Hammer]

I don't care what happens. 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.

[Tyler]

Work.

[Caleb Hammer]

He lied about being sick. This guy.

[Jerome]

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

[Caleb Hammer]

Love racist jokes. Don't like actually racist people.

[Jerome]

No, that's kind of the issue. My first ever girlfriend I had and oh, my virginity.

[Caleb Hammer]

I'm the black too. Who cares?

[Tyler]

Puerto Rican.

[Jerome]

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

[Caleb Hammer]

That's worse. Yeah, back there.

[Jerome]

Oh, well, what do you want to say then? They should know.

[Tyler]

They know.

[Caleb Hammer]

They hot.

[Tyler]

They're crazy.

[Jerome]

Yeah, they. She. That's why I lost my virginity to her. Because she was at what age 23.

[Caleb Hammer]

Oh, you're a loser.

[Jerome]

No, there's a reason for that, though. I. I'm Catholic.

[Caleb Hammer]

Reason for everything.

[Jerome]

Catholic. And I was trying to save myself for 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.

[Caleb Hammer]

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

[Jerome]

Yes.

[Caleb Hammer]

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

[Jerome]

Well, for insurance.

[Caleb Hammer]

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

[Jerome]

No, I just owe some back taxes.

[Caleb Hammer]

Why though? For what?

[Jerome]

For making income and not paying my taxes. I already owe it.

[Caleb Hammer]

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

[Jerome]

It's the. I had a job prior to that.

[Caleb Hammer]

Huh?

[Jerome]

I had a job.

[Caleb Hammer]

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

[Jerome]

My old job. My old job.

[Caleb Hammer]

Which was the railroad train. Choo choo. Okay.

[Jerome]

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.

[Caleb Hammer]

Yeah, bad strategy.

[Jerome]

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

[Caleb Hammer]

And why?

[Jerome]

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

[Caleb Hammer]

That's why we do the.

[Jerome]

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

[Caleb Hammer]

Yeah, but with like a 25% premium.

[Jerome]

No, it wasn't that bad to the

[Caleb Hammer]

interest rate usually gets on it is pretty brutal.

[Jerome]

Yeah, but they're getting the less fees

[Caleb Hammer]

added to it usually add up to around 20%.

[Jerome]

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

[Caleb Hammer]

Sure. They garnish with a 20% premium. Are they garnishing? They were, but it was paid off.

[Jerome]

No, no.

[Caleb Hammer]

Why was it were and not our.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Okay. Wow. What the.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Are you single?

[Jerome]

Yes. By choice? By choice. Oh, okay.

[Caleb Hammer]

Who the is getting with you?

[Jerome]

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

[Caleb Hammer]

Yeah. Who are you going for?

[Jerome]

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. Your separate ways do all that.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

So why would I not.

[Caleb Hammer]

Yeah, why would I know?

[Jerome]

I mean, for privacy. I get that.

[Caleb Hammer]

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

[Jerome]

Yeah.

[Caleb Hammer]

So obviously I'm being private to protect it.

[Jerome]

Yeah. And obviously you protect the guests and all that, but so you could do the same, just. Or show the guests or be like,

[Caleb Hammer]

okay, well, why is it because you someone. I don't give a about you specifically

[Jerome]

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

[Caleb Hammer]

That's my opinion.

[Jerome]

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

[Caleb Hammer]

What?

[Jerome]

Who knows?

[Caleb Hammer]

Probably not. I don't have her height.

[Jerome]

She's like ones.

[Caleb Hammer]

No, that's gross.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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.

[Jerome]

No. Okay. That. No. I like. No, no, no.

[Caleb Hammer]

What?

[Jerome]

I may come off as red pill or whatever. The echo chambers.

[Caleb Hammer]

Not even red pill.

[Tyler]

No.

[Caleb Hammer]

I don't even know what you are.

[Tyler]

Rational atheist.

[Caleb Hammer]

Mgtow.

[Jerome]

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

[Caleb Hammer]

Oh, you got main character syndrome.

[Jerome]

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.

[Tyler]

It's.

[Jerome]

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.

[Caleb Hammer]

Wow. I'm open book revolutionary, ladies and gentlemen.

[Jerome]

It is for people that you have on, buddy.

[Caleb Hammer]

Everyone.

[Jerome]

Everybody's doing this.

[Caleb Hammer]

I'm like, oh, there was like, one person who freaked out about it.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

What the.

[Jerome]

I went last night, I got some prizes.

[Caleb Hammer]

Okay. Single, 42, freak racist. Playing Arcade games.

[Jerome]

Yeah.

[Caleb Hammer]

By himself, around all the kids. This is not great.

[Jerome]

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

[Caleb Hammer]

Oh, do you?

[Jerome]

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.

[Caleb Hammer]

If you win?

[Jerome]

No, I always win. I mean, well, okay, that's not how casinos work. Well, I lose in the long run. The money, however. Yeah, no, no, no. However. I get the free money to play because of the work I did for the writing.

[Caleb Hammer]

Why not pay your bills?

[Jerome]

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

[Caleb Hammer]

everyone.

[Jerome]

Some bills are more important than others.

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

So how do you pay your bills?

[Jerome]

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

[Caleb Hammer]

Don't you always need money? Is there not rent?

[Jerome]

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

[Caleb Hammer]

Oh, you are such a.

[Jerome]

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

[Caleb Hammer]

Oh, you're positioned. Pathetic.

[Jerome]

I wasn't going to, but she offered. And why not take the offer for.

[Caleb Hammer]

Of course mother will offer, but.

[Jerome]

Well, good.

[Caleb Hammer]

Dude, you're pathetic.

[Jerome]

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

[Caleb Hammer]

42 year old.

[Jerome]

She's had enough of my BS, but.

[Caleb Hammer]

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. And why do you have breathalyzer on you, by the way, that my security guard told me about?

[Jerome]

Because that's crazy.

[Caleb Hammer]

No one's ever coming with a breathalyzer.

[Jerome]

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

[Caleb Hammer]

Why would you need it?

[Jerome]

I gotta blow into it. So. For.

[Caleb Hammer]

Why?

[Jerome]

To make sure I'm not drinking.

[Caleb Hammer]

For what purpose? You prove to yourself constantly.

[Jerome]

My third dui.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Okay. Yeah.

[Jerome]

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

[Caleb Hammer]

Oh yeah. 3 DUI said. Hope you don't have one. How the did you get here? Like San Antonio.

[Jerome]

I could if I wanted to and I could have a license.

[Caleb Hammer]

How'd you get here?

[Jerome]

I took the bus. I was going to take an Uber, but.

[Caleb Hammer]

Blow into that thing.

[Jerome]

Here we go.

[Caleb Hammer]

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

[Jerome]

No, that would.

[Caleb Hammer]

There's a drunk creature on once she was a lady.

[Jerome]

I didn't realize towards the end say what I say or sober.

[Caleb Hammer]

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?

[Jerome]

Yeah. Even if I 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.

[Caleb Hammer]

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.

[Jerome]

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 3, 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 it.

[Caleb Hammer]

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

[Jerome]

It's one more.

[Caleb Hammer]

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. And over four years of filming in this show. No, it could be pathetic, I think.

[Tyler]

Right.

[Caleb Hammer]

All those things that I just stacked up a pension.

[Jerome]

That's one thing from the railroad.

[Caleb Hammer]

Railroad, yeah. Okay. Who else? What's the pension?

[Jerome]

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

[Caleb Hammer]

Okay.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

The robo retirement is way more solvent than Social Security, so I'm not worried about that can.

[Caleb Hammer]

But what do you have actually going for you that you've done?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

For now.

[Caleb Hammer]

Dude, you have nothing in life. Sad.

[Jerome]

No, for now. Your life is sad for now.

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

that's what's going for you, is you don't get the reason you don't kill yourself.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Family, for sure.

[Caleb Hammer]

Yeah. Well, they're all gonna die.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Yeah. No, no, no. My mother. Yeah. But the. My siblings, they probably don't like siblings. But also my nieces and nephews.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Yeah, they don't care if you die.

[Jerome]

No.

[Caleb Hammer]

So what is the reason for you to keep living? Unfortunately for the rest of us, in

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

To me, money is 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.

[Caleb Hammer]

But you don't pay bills.

[Jerome]

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

[Caleb Hammer]

Weirdo.

[Jerome]

I've traveled and this is.

[Caleb Hammer]

What's so pathetic, is you are the guy that you're ranting to call him before about men and women, how men have gone soft and the world is against men and the women is that. 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.

[Jerome]

For sure. Yes.

[Caleb Hammer]

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

[Jerome]

Yeah. You're the example, serial dater.

[Caleb Hammer]

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

[Jerome]

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 liberal, especially these boss baby liberal women want traditional.

[Caleb Hammer]

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 normal.

[Jerome]

Antonio. You know, that's like the biggest DUI city in the country. It's like one of the biggest.

[Caleb Hammer]

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 they

[Jerome]

have against them other than maybe being born as a poor black man, you know?

[Caleb Hammer]

Huh. What do you say?

[Jerome]

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

[Caleb Hammer]

What do you mean? What do you say? What's your counter argument?

[Jerome]

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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

The T app and Facebook groups.

[Caleb Hammer]

These are real things.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

Okay.

[Jerome]

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.

[Caleb Hammer]

What was the accusation against you?

[Jerome]

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

[Caleb Hammer]

person that you forced Yourself on say

[Jerome]

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

[Caleb Hammer]

me so you don't know who you anymore, buddy. First of all, you're probably plastered out of your mind. How do you know?

[Jerome]

No, seeing that i3 DUIs. 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 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 point. You're trying to sleeping in my car. And I didn't know it was illegal to just sleep in your car to sleep it off.

[Caleb Hammer]

Whoopsie. You broke the law.

[Jerome]

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. I traveled two miles. I was over.

[Caleb Hammer]

That's fair.

[Jerome]

That was fair.

[Caleb Hammer]

They're all fair.

[Jerome]

And technically they are. I. I believe.

[Caleb Hammer]

Wait, how would I need to have gone through a criminal? No, no, because there's a difference.

[Jerome]

Because there's a difference between if two DUIs is if you were traveling in 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 10 years in prison.

[Caleb Hammer]

Good.

[Jerome]

I got there. So you stop the choice of misdemeanor or felony and well, I didn't have very lean. 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.

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And it's a 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 1,000 people to purchase for a one time payment of $500. You'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with 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 pin 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. 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.

[Jerome]

What?

[Caleb Hammer]

Dude, 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 bullshit. At this point I almost believe nothing that's accused against anyone anymore. Well, it's because it's absolutely insane.

[Jerome]

The reason why people say shit like that too is because of. Jealous.

[Caleb Hammer]

No, no one knows you.

[Jerome]

Why would someone be known in that group?

[Caleb Hammer]

In a Facebook group.

[Jerome]

It's a big group here in.

[Caleb Hammer]

What is it?

[Jerome]

Well, people around or not people. I'm sorry, singles of Round Rock or.

[Caleb Hammer]

Why would.

[Tyler]

That's the point.

[Jerome]

Because. Yeah. Round Rock singles for five years. Yes, I used to live there.

[Caleb Hammer]

Round Rock is a small little town.

[Jerome]

It's this biggest suburb of Austin.

[Tyler]

Suburb.

[Caleb Hammer]

It's not like a big thing.

[Jerome]

It's probably almost as big as Austin.

[Caleb Hammer]

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

[Jerome]

I don't. I.

[Caleb Hammer]

No, I would highly doubt that.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Before I was interrupted by the way.

[Caleb Hammer]

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

[Jerome]

Oh, well, I mean.

[Caleb Hammer]

So shut the up. You know nothing. You say things. You don't know things.

[Jerome]

I mean. Okay. Williamson County Will say then.

[Caleb Hammer]

Okay. Yeah personal post.

[Jerome]

The. The whole point about the.

[Caleb Hammer]

I just understand why someone would accuse

[Jerome]

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 jealous of you? Well of that instances or those the friends of friends and I. Dude, you're dude.

[Caleb Hammer]

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

[Jerome]

you get also a couple women and you have fun with it 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

[Caleb Hammer]

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

[Jerome]

I mean no, you're just going throwing ours.

[Caleb Hammer]

You're just in our ears with those words instead.

[Jerome]

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

[Caleb Hammer]

so yeah, I guess there was implied.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

I make about 900 every two weeks, 1800 monthly for Walmart and on average at.

[Caleb Hammer]

I'm going to cross that out because I'm going to call your manager and

[Jerome]

get you fired in the post 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.

[Caleb Hammer]

You are such a joke.

[Jerome]

I just haven't done much. 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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Is this like the Ender, Dragon or something or. I don't. That's all I know about Minecraft.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

No, not at your age.

[Jerome]

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

[Caleb Hammer]

Not pension, but they do have retirement funds which are gaining usually better. Pensions aren't usually even the best these days.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Today's.

[Caleb Hammer]

You can't survive today.

[Jerome]

Yes, today's I probably could survive out 1500amonth plus a little side stuff. Yeah.

[Caleb Hammer]

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

[Jerome]

Yeah.

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Yes, we're doing that. Yeah.

[Caleb Hammer]

Okay. IRS that this is since 2019.

[Jerome]

Yeah.

[Caleb Hammer]

What the is wrong with you? You are pathetic. You are actually. I can't believe you're the one that says men 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.

[Jerome]

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

[Caleb Hammer]

You are the weak men that create hard times.

[Jerome]

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

[Caleb Hammer]

No, but you owe your tax.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

I mean, there's a lot.

[Caleb Hammer]

Why'd you leave the railroad?

[Jerome]

Oh, boy. Oh, well, there's multiple reasons too many of them. Coloreds, kind. No, there's. There's a multitude of reasons, some more important than the other. The main reason.

[Caleb Hammer]

Which color is the worst?

[Jerome]

Purple.

[Caleb Hammer]

Black people.

[Jerome]

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

[Caleb Hammer]

And which one's the worst? Which race. Which race on planet Earth is the worst race?

[Jerome]

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

[Caleb Hammer]

Howard.

[Jerome]

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.

[Caleb Hammer]

And what's the worst race?

[Jerome]

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

[Caleb Hammer]

Oh, very welcome.

[Jerome]

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

[Caleb Hammer]

Which race is the least moral?

[Jerome]

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?

[Caleb Hammer]

My favorite job.

[Jerome]

The one. The ones that people claim they have that they don't. Which is a lot of times a real disability. Well, a lot of mental disability. What's your least favorite mental.

[Caleb Hammer]

Well, you have in general.

[Jerome]

No, they mental. Most mental disabilities are.

[Caleb Hammer]

You think my panic disorder is.

[Jerome]

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, you.

[Caleb Hammer]

What's your monthly payment on your irs?

[Jerome]

Zero.

[Caleb Hammer]

Right.

[Jerome]

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

[Caleb Hammer]

What are you about to Say about

[Jerome]

the military, the disability crap, you know, like I.

[Caleb Hammer]

That's not just all bad.

[Jerome]

No, but people use disability this show all the time outside. And it's not just military, it's anybody and everybody. Like I. I even abused FMLA when I worked for the railroad road.

[Caleb Hammer]

We're not surprised.

[Jerome]

Yeah. And the.

[Caleb Hammer]

You're pathetic.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Oh, you are accused of.

[Jerome]

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.

[Caleb Hammer]

She know you're.

[Jerome]

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

[Caleb Hammer]

Anyone else seen it?

[Jerome]

No, no, not that. No. No.

[Caleb Hammer]

But other ones.

[Jerome]

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

[Caleb Hammer]

Continue your story.

[Jerome]

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 a. I'm a.

[Caleb Hammer]

Just like you took advantage of her.

[Jerome]

Very good.

[Caleb Hammer]

Show me a picture.

[Jerome]

Yeah, I. I will play boy model.

[Caleb Hammer]

Let's see this.

[Jerome]

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

[Caleb Hammer]

Oh, here. Here's the walk back.

[Tyler]

Here's the walk back.

[Jerome]

She went to the Playb 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 the.

[Caleb Hammer]

Really to be with you.

[Jerome]

Yeah, she's one of the reasons why I quit the railroad. But the main reason is cuz I just hated. It's 247 on call job.

[Caleb Hammer]

That's why you make good money.

[Jerome]

And the people that work there were annoying. They're cheating on their wives, complain about bills is. I had enough of that crap. I had enough of like being on call time. I lived in Round Rock, but I had to report to San Antonio two hours making. Well, for me it varied a lot because a lot of times on average, what were you making at the minimum, like five grand a month at max, 15 grand a month.

[Caleb Hammer]

See, you were Making good money. That's why it comes with it yet.

[Jerome]

Yeah. And that they.

[Caleb Hammer]

They show me a picture.

[Jerome]

Okay, hold on.

[Caleb Hammer]

There's additional 2018 IRS. That 4100.

[Jerome]

Well, this is with 98, but that gives you an idea. He's about 20 years older.

[Caleb Hammer]

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

[Jerome]

Yeah, I mean.

[Caleb Hammer]

I mean, I. Probably out of your league.

[Jerome]

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

[Caleb Hammer]

And do you still talk to her?

[Jerome]

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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Literally not a contributor in any way whatsoever.

[Jerome]

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

[Caleb Hammer]

Statuses 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.

[Jerome]

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

[Caleb Hammer]

Okay.

[Jerome]

Except for what I owe, maybe.

[Caleb Hammer]

When was the last time you have not filed exempt?

[Jerome]

A few years ago.

[Caleb Hammer]

Well, now. Yeah, I'm getting weird now. This is 2023 through 24. 25. 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? The last IRS that 23 to 25.

[Jerome]

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

[Caleb Hammer]

Oh, it just haven't even filed.

[Jerome]

Yeah.

[Caleb Hammer]

Why the now so the Past three years. You haven't?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

I love your own life.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

if you get caught when you did.

[Jerome]

Yeah, duh. Yeah. And so the future.

[Caleb Hammer]

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?

[Tyler]

Like what.

[Caleb Hammer]

What is there for you?

[Jerome]

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

[Caleb Hammer]

What's the point? What are we doing?

[Jerome]

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

[Caleb Hammer]

Who's gonna do business with you?

[Jerome]

No, you know, 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.

[Caleb Hammer]

Okay, what's our business future?

[Jerome]

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

[Caleb Hammer]

Is that on the docket for no longer being legal?

[Jerome]

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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

That's the safe amount.

[Caleb Hammer]

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

[Jerome]

So what's the future? I was and I have been until I live with your mother 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.

[Caleb Hammer]

So listen, normally I would offer him things to help but I'm not going to. So you. You don't get a course career certification which is what 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 dot com. Not going to do that. Not going to get you on helium either. Do you get nothing.

[Jerome]

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

[Tyler]

That's freedom.

[Caleb Hammer]

Why I can't borrow from someone. Go yourself.

[Jerome]

Yeah you could.

[Caleb Hammer]

That's not have freedom.

[Jerome]

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

[Caleb Hammer]

Someone's trying to get a 400000 medium price home.

[Jerome]

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 are show loan.

[Caleb Hammer]

You just said you don't shouldn't have loans. That's a loan. Yeah, manual credit. Manual underwriting isn't everywhere for everyone.

[Jerome]

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.

[Caleb Hammer]

You can manual underwrite any kind of.

[Jerome]

Exactly. So it doesn't matter even if you pay your bills and stuff.

[Caleb Hammer]

What are you talking about? What is the point you're trying to make?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

You have $80,000 for a 20 down

[Jerome]

payment on all that's ridiculous amount of price. You don't need that kind of less than median. Yeah for where in this country?

[Caleb Hammer]

Even San Antonio, United States.

[Jerome]

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

[Caleb Hammer]

Not necessarily.

[Jerome]

Are not necessarily. You want to. I get it, but.

[Caleb Hammer]

Well, who knows? Maybe that's not even for sale.

[Jerome]

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 1200amonth to live there. And the cost of living so damn cheap.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

You don't even need that like necessarily.

[Caleb Hammer]

Huh.

[Jerome]

Yeah, you don't.

[Caleb Hammer]

How are you going to make money?

[Jerome]

You can easily make 1200amonth.

[Caleb Hammer]

How are you going to.

[Jerome]

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.

[Caleb Hammer]

But you'll be in Albania.

[Jerome]

No, you could start it here and export the.

[Caleb Hammer]

Yeah, yeah.

[Jerome]

But you can still do it here.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

What are you drop shipping?

[Jerome]

It's not drop shipping. I would actually make it with the. The. It's actually from the Baltic. It's the T's and.

[Tyler]

Huh.

[Jerome]

And sage and all that stuff. Yeah, it's specific to the Baltic.

[Caleb Hammer]

You could just do this. Why haven't you?

[Jerome]

It costs money and I don't.

[Caleb Hammer]

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

[Jerome]

I'll make the money.

[Caleb Hammer]

How do you make the money?

[Jerome]

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

[Caleb Hammer]

haven't you done it? You keep counter.

[Jerome]

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

[Caleb Hammer]

And how are you going to.

[Jerome]

Easily. What work.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Tyler]

That.

[Jerome]

Shoot. I. I invite it to try. I actually would love it because I. You know when. Pete, 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 false accusations. So I invite that.

[Caleb Hammer]

Okay. What are we gonna find in your life?

[Jerome]

Nothing that I won't talk about here.

[Caleb Hammer]

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?

[Jerome]

No. No.

[Caleb Hammer]

Okay. Is everything what you're doing for that money legal?

[Jerome]

Technically, yes.

[Caleb Hammer]

Technically, yeah. So, okay, it could not be very soon.

[Jerome]

Do you have any knowledge and trading cards fear.

[Caleb Hammer]

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.

[Tyler]

Free money?

[Caleb Hammer]

We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime also, it makes your savings grow at a 3.5 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 believing 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.

[Jerome]

When you buy a box of cards and 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

[Caleb Hammer]

about tea business man.

[Jerome]

Oh, that. No. What? That's. That's. Wait. Legal? Yeah, it's completely legal. It's just you have to go through the process.

[Caleb Hammer]

What's your funding source?

[Jerome]

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.

[Caleb Hammer]

But you're never going to get to 25K.

[Tyler]

What?

[Jerome]

And that's what? That's another reason why I want to come here. Because I know my situation's not the best. I know it's not the worst, not

[Caleb Hammer]

at all, but it's pretty bad. But live with your mother at 42,

[Jerome]

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

[Caleb Hammer]

Even if you make little money, you make 1500amonth. Right now, you're not getting it. 25 make.

[Jerome]

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

[Caleb Hammer]

Oh, the grind.

[Jerome]

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

[Caleb Hammer]

Sure.

[Jerome]

And you can.

[Caleb Hammer]

Yet you're all of it.

[Jerome]

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

[Caleb Hammer]

Not you.

[Jerome]

I will. I will.

[Caleb Hammer]

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

[Jerome]

That's. That's why I was 42.

[Caleb Hammer]

Now you're going to change.

[Jerome]

Yes. I've always been a coward in the sense of.

[Caleb Hammer]

You are a coward.

[Jerome]

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

[Caleb Hammer]

What do you mean?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

What did you get to your black co worker? I'm told.

[Jerome]

Which one? Oh, no, that.

[Caleb Hammer]

Wait, which one? Wait, exactly. Exactly.

[Jerome]

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

[Caleb Hammer]

Then speak in jive.

[Jerome]

No, you mean Ebonics.

[Tyler]

Sure.

[Jerome]

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

[Caleb Hammer]

Sounds like you can't anymore.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

That's where you can go.

[Jerome]

Cabbage in it. Like, that's not Mexican to like a white people taco.

[Caleb Hammer]

Go to a Mexican food truck where they can't speak English. They're everywhere.

[Jerome]

Yeah, that's stripes at the. On the border. Oh, wait. Do you know what stripes is?

[Caleb Hammer]

No.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

You pay for the little casino down there. You know, you can.

[Caleb Hammer]

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?

[Jerome]

That doesn't matter.

[Caleb Hammer]

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

[Jerome]

Oh, that's.

[Caleb Hammer]

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

[Jerome]

That's probably the. The eviction thing.

[Tyler]

Oh, you got evicted.

[Caleb Hammer]

Be candid.

[Jerome]

By choice.

[Caleb Hammer]

Your family.

[Jerome]

By choice.

[Caleb Hammer]

Okay. Your fit. Sure.

[Tyler]

Your family.

[Caleb Hammer]

Just like you're single.

[Jerome]

Yeah.

[Caleb Hammer]

Your family, your parents, your sisters. You're all that good stuff. They all find you Pretty pathetic, correct?

[Jerome]

Oh yeah. When it comes to finances, sure.

[Caleb Hammer]

But comes to your life?

[Jerome]

Nah.

[Caleb Hammer]

How? What do you mean? Tell me.

[Jerome]

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

[Tyler]

What?

[Jerome]

I even have a good heart. I even told my mother that I may be saying some stuff and words on air. 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.

[Caleb Hammer]

No, she doesn't.

[Jerome]

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

[Caleb Hammer]

from a long line of racists I see.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

What was the self intended eviction?

[Jerome]

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. Just waited till my time was up and use that money elsewhere

[Caleb Hammer]

when.

[Jerome]

Because the same, the same thing is true.

[Caleb Hammer]

When was it.

[Jerome]

Even if you have eviction, you can find a place to live.

[Caleb Hammer]

Where'd you go?

[Jerome]

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

[Caleb Hammer]

In a drug den.

[Jerome]

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

[Tyler]

What the.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

Yes. But it would be like a studio.

[Tyler]

Wow. Down. Down Round Rock you find.

[Jerome]

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

[Tyler]

Round Rock.

[Caleb Hammer]

What a life.

[Jerome]

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

[Tyler]

It's not.

[Jerome]

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

[Tyler]

You know, we've.

[Caleb Hammer]

Everyone's been to downtown. Ron Rock. Get the donuts, buddy. That place ain't nice.

[Jerome]

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

[Caleb Hammer]

It's better than six bunch of downtown. Why would you want to live on 6th Street?

[Tyler]

What are you talking about?

[Jerome]

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

[Caleb Hammer]

Better than San Antonio, my friend.

[Jerome]

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

[Caleb Hammer]

Okay.

[Jerome]

I'm just.

[Caleb Hammer]

Well, they're safer than Chicago. Yes.

[Jerome]

I mean statistically. Sure.

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

I don't know. It's more the AG if anything. Like they just rated the launch card still.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

So you can't. It's not different than in Texas that

[Jerome]

the cities themselves also report things and they just. They're going to hide what they want.

[Caleb Hammer]

I don't give a.

[Jerome]

Statistics can be swayed.

[Caleb Hammer]

You have an additional collections that's been on your credit for two years for 72. I don't know what it's for.

[Jerome]

I don't either.

[Caleb Hammer]

Oh, Capital one.

[Jerome]

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 report it and then it's another seven years or whatever. I don't know.

[Caleb Hammer]

I. I had a credit one credit card this winter. Collections officially. Oh great, you're a fan. Four years.

[Jerome]

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

[Caleb Hammer]

$393.

[Jerome]

Oh no, that's not that bad.

[Caleb Hammer]

You had kickoff. Kickoff is actually good.

[Jerome]

It's like a. Oh, it is.

[Caleb Hammer]

Can be. This isn't actually in collections. It's not. It's currently closed. Not sold the collections yet. Oh, you're actually making pay. Well, until 24. Okay.

[Jerome]

I don't even know what that is.

[Caleb Hammer]

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

[Jerome]

No, I don't care about the credit,

[Caleb Hammer]

but that's kind of a renting place too.

[Jerome]

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

[Caleb Hammer]

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 is 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.

[Jerome]

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.

[Caleb Hammer]

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

[Jerome]

A scooter.

[Caleb Hammer]

Exactly. Yeah. Trust him.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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 an Uber, so I guess. That expensive.

[Caleb Hammer]

Actually we are technically reimbursing you.

[Jerome]

It's like actually like 120 buck uber there or the bus ride is only compared to like. It's not that bad.

[Caleb Hammer]

That's pretty brutal.

[Jerome]

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

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

Well maybe I don't know. Yeah, so.

[Tyler]

So.

[Caleb Hammer]

Oh, how close are you to downtown?

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

I just Uber if I need to.

[Caleb Hammer]

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

[Jerome]

She probably saw you 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.

[Caleb Hammer]

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.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

No, still wrong.

[Caleb Hammer]

You need to not be here in Minecraft.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

I thought I did, but.

[Caleb Hammer]

Well, what do you mean?

[Jerome]

I.

[Caleb Hammer]

So what does that mean?

[Jerome]

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 birth. 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 court 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 the 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 would be a better suit for the kid because I had a job and everything.

[Caleb Hammer]

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

[Jerome]

My DUI every year you owe.

[Caleb Hammer]

Why aren't you paying on that?

[Jerome]

Oh, I am. That's.

[Caleb Hammer]

That's minimum.

[Jerome]

No, that I pay.

[Caleb Hammer]

Is it minimum?

[Jerome]

$90 a month? About.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

I hope you do.

[Jerome]

Yeah. No, it's.

[Caleb Hammer]

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

[Jerome]

Over time. Yes. Yes.

[Caleb Hammer]

That's crazy. I'll bail you out of jail. That was 10,000 hours. And exited 15k for old credit card

[Jerome]

cards and a car? Yeah.

[Caleb Hammer]

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

[Jerome]

Which one? 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.

[Caleb Hammer]

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

[Jerome]

A. Facebook dating. Of course. Yeah.

[Caleb Hammer]

Crazy.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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.

[Caleb Hammer]

What are you talking about right now?

[Jerome]

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.

[Tyler]

Huh? What?

[Caleb Hammer]

Are you talking to me right now?

[Jerome]

I'm talking to the lonely men out there.

[Caleb Hammer]

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

[Jerome]

Well, okay.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

but just going through the. The messages.

[Jerome]

Oh, that's my most current X.

[Caleb Hammer]

Well, you're currently messaging.

[Jerome]

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

[Caleb Hammer]

She's almost. Well, yeah.

[Jerome]

No, old.

[Caleb Hammer]

What?

[Jerome]

We used to.

[Caleb Hammer]

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

[Jerome]

No, I haven't seen her like, five, six years.

[Caleb Hammer]

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

[Jerome]

Yeah.

[Caleb Hammer]

Oh, you're okay.

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Well, that's including.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Well, okay, here's the thing too is that don't do anything unless it's a real woman who lay down the.

[Caleb Hammer]

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

[Jerome]

No. That was a no. I would never pay.

[Tyler]

I know.

[Jerome]

She. She.

[Caleb Hammer]

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

[Jerome]

Yeah.

[Caleb Hammer]

I never Venmo to Venmo.

[Jerome]

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

[Caleb Hammer]

This is a mess.

[Jerome]

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

[Caleb Hammer]

But I don't care if you're goon. Just make sure it's consensual. Goon.

[Jerome]

Oh, yeah, yeah, yeah.

[Caleb Hammer]

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 salted. But it's like you. I don't understand women.

[Jerome]

So here's a. Here's what got into my head and what makes it worse is that here's another conversation with.

[Caleb Hammer]

About his.

[Jerome]

I forget.

[Caleb Hammer]

Here's about a conversation about his.

[Jerome]

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

[Caleb Hammer]

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.

[Jerome]

And there's a.

[Caleb Hammer]

So multiple women about you being accused of. Since 22.

[Tyler]

Okay.

[Caleb Hammer]

One was July 16, 2024. About you being. October 19, 2025. About you being a. May 19 of this year. About you being a. Yeah, it doesn't

[Jerome]

help that you keep no, it doesn't. That I. A serial data. I've been with over probably 100 people and.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

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

[Jerome]

Yeah, they can.

[Caleb Hammer]

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

[Jerome]

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

[Caleb Hammer]

No, it's another reason of you being a taker, not a giver. What's your normal student loan monthly Payment zero. No, you have a regular payment amount

[Jerome]

that just came out. Deferment or something. Is that, Wait, is that it?

[Caleb Hammer]

It? Yes. $227 and you're behind by three months. Cuz it just started. Dude, you.

[Jerome]

Oh, maybe that I should, you know, start paying.

[Caleb Hammer]

Shut the up. I and I didn't get 474-923. What degree did you not get?

[Jerome]

Yes, Business. It taught me a lot.

[Caleb Hammer]

1K, that's oh, it's a builder cardio.

[Jerome]

2 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.

[Caleb Hammer]

Yeah, all you're getting is Walmart. Except none of it is groceries, cuz it's like energy drinks. 4103-554124-47848. You're just getting at Walmart. Yeah, yeah. Pack your lunch. Pathetic. I, I, I know I'm not going to be able to convince you. You're such a worm.

[Jerome]

I will eventually.

[Caleb Hammer]

Subway. Subway.

[Tyler]

McDonald's.

[Jerome]

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

[Caleb Hammer]

And why not? Why not? Why not? Why not?

[Jerome]

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

[Caleb Hammer]

What's Exodus.com? pathetic.

[Jerome]

Worm exodence. What?

[Tyler]

Exodus.

[Jerome]

What's. Oh, well, that's my crypto from casino stuff. Gotta use it to gamble McDonald's. A lot of you got to 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.

[Caleb Hammer]

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

[Jerome]

Sam's, Amazon, Walmart. There's nothing on chick fil A, McDonald's,

[Caleb Hammer]

McDonald's, Apple Bill, eBay, McDonald's buzz, bad buzz, Subway Smart Action, Chick Fil A, Bill Miller, Barbecue, Appleville, Schlotsky's, Bus Bed Lift ride, Uber, Uber Walmart. Makes sense.

[Jerome]

I don't even know where my Venmo is.

[Caleb Hammer]

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

[Jerome]

Yeah, one of them, yeah. Good.

[Caleb Hammer]

We're calling him in the post show.

[Jerome]

All right, here's the absolute insensitive right there.

[Caleb Hammer]

What's going over, Tyler? We're going to 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 shit. 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 P.O. show and call your boss and ruin your life. I did more.

[Jerome]

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 say.

[Tyler]

Just say you apologize for using the word in general.

[Jerome]

Stop being really. No, you're really.

[Tyler]

I hope you know that you really are would be.

[Jerome]

You're apologizing.

[Tyler]

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

[Caleb Hammer]

That's.

[Jerome]

That's what the you actually am.

[Tyler]

You're. You're a.

[Jerome]

You're a. You're.

[Tyler]

You're realistically. But like it's all good. It's all good. I appreciate you cuz that 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.

[Caleb Hammer]

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

[Jerome]

Yeah, cuz need to eat. You gotta. You gotta feed them, man. You gotta take care of your people now. We're not going down.

[Caleb Hammer]

Taylor. I want you to kick his ass because he deserves it. I just don't want you to get hurt.

[Jerome]

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

[Caleb Hammer]

I don't think you'd get.

[Tyler]

He's a soft dude.

[Jerome]

You are.

[Tyler]

Who the is a soft. You want to find out?

[Jerome]

You.

[Tyler]

You want to find out?

[Jerome]

You could beat me in arm wrestle, man. I'm scrappy as hell.

[Tyler]

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

[Jerome]

Set up a ring.

[Caleb Hammer]

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

[Jerome]

No, he wouldn't. If I can.

[Tyler]

We can find the out. If you want to see, we can. I'LL knock your old ass out.

[Jerome]

You really want to get beat the up?

[Tyler]

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

[Jerome]

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

[Tyler]

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

[Caleb Hammer]

Don't give into the stereotypes that you're not all violent.

[Jerome]

No, he's actually.

[Tyler]

I'm dead.

[Jerome]

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

[Caleb Hammer]

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

[Tyler]

I'm not. That's not a joke.

[Jerome]

It seems a little soft.

[Tyler]

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

[Jerome]

No, no, no.

[Tyler]

Let's do it.

[Caleb Hammer]

Let's run it.

[Tyler]

Let's run it. You seem. Let's do mutual combat so nobody gets sued. I'll shake your 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. I would just go outside so I can beat your ass. You think I'm pussy. You think I'm soft.

[Jerome]

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

[Tyler]

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

[Jerome]

Soft in the sense.

[Tyler]

Tell me you want to fight me. Tell me you want to fight me

[Jerome]

so we can do it Soft in the sense that watch you.

[Tyler]

You backpedaling now you're backpedaling.

[Jerome]

No, in the sense.

[Tyler]

So you don't want to fight.

[Jerome]

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

[Tyler]

Let's do it.

[Jerome]

Well, actually, actually take that back. Take that back. I just realized I normally would. 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.

[Caleb Hammer]

Well, stay tuned.

[Jerome]

I forgot about that.

[Caleb Hammer]

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

[Jerome]

No. And then he's going to. He's going to take. I have to take away his black card when to lose this.

[Caleb Hammer]

I'm making a joke here.

[Jerome]

No, it's not A joke. Take the black card away.

[Tyler]

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

[Jerome]

Even if I'm not off probation. 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 contract we can do and we can make it happen.

[Tyler]

Call him.

[Jerome]

I will. That's great for. Call him. Great for post show because we'll do

[Caleb Hammer]

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

[Jerome]

I was trying to avoid that one.

[Caleb Hammer]

Nope, we're doing that one. Your and I don't give a. I really don't. Your life is ruined and I don't care. 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 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. Guys, thanks for being at like 110,000 members. You guys are awesome.

[Jerome]

Guys. Shoot your shot.

[Caleb Hammer]

Yeah, you're going to get shot and you deserve it. See you 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. He's also been accused of multiple times and today him not being at work. He lied about being sick. This guy.

[Jerome]

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

[Caleb Hammer]

I just launched the brand new Hammer Elite app available. 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.