Financial Audit Podcast – "I Might Get Banned For This"

Host: Caleb Hammer
Guest: Angel, 20, Chef, Los Angeles
Date: January 16, 2026

Overview

In this provocative, candid, and at times chaotic episode, Caleb Hammer sits down with Angel, a 20-year-old chef from Los Angeles, to perform a deep dive on her tumultuous personal finances. Angel isn’t just a chef at a high-end LA restaurant—she also works as a sugar baby, navigating both the culinary world and the world of paid companionship. The conversation spirals through confessions of theft, frank discussions about her side hustles, debts, evictions, and her complex relationship with money. Caleb confronts her on her spending habits, ethical attitudes, and future plans, with their trademark mix of blunt honesty, banter, and financial scrutiny.

Key Discussion Points & Insights

1. Angel’s Income Streams & Lifestyle

• Primary Job: Angel works as a “chef de parti” at a well-known high-end restaurant in LA, earning about $3,800-$4,000 a month. Currently, she’s on medical leave after passing out at work. [06:03]
• Side Hustle: Angel is actively involved in sugar baby work, often making more from this than her kitchen job—up to $5,000/month from one arrangement. She’s candid (and explicit) about the nature of this work, describing everything from regular dinners to specific fetishes. [08:40–17:00]
• Other Income: Currently receiving $1,500/month from her ex (a wealthy show co-creator) and expects to go on disability if medical leave is extended. [25:48]
• Roommate & Rent: Shares an LA apartment with a “hot roommate” (who is also a sugar baby). Monthly rent is $1,600 each, but they often go unpaid and are leveraging claims against the landlord regarding building conditions and amenities. [25:33–69:48]

2. Approaches to Money & Ethical Blindspots

• Theft Confessions: Angel brazenly admits to stealing a candle and has a cavalier attitude about shoplifting from large companies: “Who cares if you steal from a big company?” [03:41]
  • Caleb retorts: “Big company still employs people…if everyone has the same mindset as you, it still impacts people’s jobs.” [03:49]
• Lifestyle Inflation: Despite inconsistent income, Angel spends freely on both essentials and luxuries (candles, energy drinks, Pop Mart collectables, pet supplies, frequent weed, and DoorDash). Her budgeting is haphazard, and she often misses minimum debt payments, letting interest and late fees accrue. [47:48–54:31]

3. Sugar Baby Dynamics

• How It Works: Angel typically charges $1,000 per “meet” or $4,000/month as an “allowance,” sometimes with surcharges for specific acts (e.g., $500 extra for a “pee” request). [16:24–16:52]
• Clientele: Her clients range in age up to 70; she finds most via Hinge rather than dedicated sugar-baby platforms.
  • “My going rate is $1,000 per meat, and then $4,000 per month.” [15:55, Angel]
  • “How are you coordinating this? So you just find people and you tell them. A thousand for a meet?” [16:00, Caleb]
• Safety Practices: Requires STD tests for unprotected sex, uses Mr. Number Lookup to vet men, and says she gets frequent tests herself. [18:51–19:04]
• Community: Other restaurant industry co-workers also sugar baby; one friend’s rates are $1,200/meet and $2,500/day for travel. [20:06–22:18]
• Relationship Overlap: Ex-boyfriend was a former client who became a boyfriend—and still sends her money after their breakup. [25:48]

4. Financial Disarray—Debts, Spending, and Housing Instability

• Debt Load: Angel owes thousands on multiple credit cards, has a car loan (2021 Corolla, $15.5k balance, worth less than owed), a student loan ($1,300+), and owes $1,000 to her sister. [64:02–80:24]
• Spending Habits: In a recent month, she spent ~$8,500 (though some involved repayments, gifts, and business travel), but much also went to non-essentials and impulse buys. Regular overdraft.
  • “You spent $8,494 last month…” [81:22, Caleb]
• Delayed Payments: She misses payments and accumulates fees, justifying it with a hand-wavy “I don’t know what happened.” Only recently began tracking with a budgeting app. [53:00–54:31]
• Housing Precarity: She and her roommate alternate paying rent, file complaints for missing amenities, and are clinging to possible legal claims to forestall eviction, despite acknowledging the risk of homelessness is high. [69:48–73:50]
• Family Strand: Her mother was evicted and moved back to Vietnam; Angel struggles to meet basic expenses, needing outside help. [73:50–74:27]

5. Attitudes and Social Commentary

• Candid (and Chaotic) Honesty: Angel openly discusses her sex work, kinks, and bizarre sugar dating scenarios with a matter-of-fact tone, highlighting L.A. lifestyle contrasts and generational perspectives on sex, work, and money.
• Caleb’s Perspective: Frequently interrupts with skepticism, judgment (“You’re a cancellation risk”), and social commentary—challenging Angel’s justifications and pushing for a reality check.
  • “No income will save you.” [39:33, Caleb]
  • “You’re glugging and sucking down c*m and can’t pay a $30 payment on time.” [53:02, Caleb]
  • “You have to suck d*ck to survive, and I don’t like that.” [90:26, Caleb]
• Self-Awareness & Deflection: Angel is aware of her own mess and recklessness but often responds with humor, sarcasm, or deflection. She admits to being "bad with spending" and calls herself a "walking HR violation." [54:31, 85:36]

6. Future Plans—A Glimmer of Optimism (or Delusion?)

• Professional Path: Aspires to teach high school culinary arts (salary ~120k, based on California public salaries), though admits it's not a high-demand field and doubts she'll get her debts resolved on her current path. [38:44–39:06]
• Financial Planning: Considers putting away one month’s expenses as an emergency fund before tackling debt, though admits her basic spending trajectory will keep her dependent on sex work or outside support. [91:17–91:54]
• Retirement: Minimal/no savings; doesn’t know how to access any 401(k). [92:36–92:41]

Notable Quotes & Memorable Moments

• On Stealing/Candor:
  Angel: “Who cares if you steal from a big company? Like what the fck.”* [03:41]
  Caleb: “If everyone has the same mindset as you, they just... it still impacts people's jobs.” [03:49]

• On Her Sugar Rates:
  Angel: “My going rate is $1,000 per meet, and then $4,000 per month.” [15:55]

• On Missed Payments & Financial Literacy:
  Caleb: “You’re glugging and sucking down cm and can’t pay a $30 payment on time. What is wrong with you?”* [53:02]
  Angel: “I think that was like six months ago. That was before…”
  Caleb: “No, this was last…this was last was October, you dumb…What is wrong with you? How do you not know anything?” [53:14]

• On Dating/Sugar Baby Scene:
  Caleb: “I just don’t understand why men are paying you. I really don’t get it. It is not hard to fck.”* [34:42]
  Angel: “Because they’re 60.” [34:46]

• On Housing Precarity:
  Caleb: “When you guys are on the street with the other lovely people in LA...then what?” [69:53]
  Angel: “Yeah. Because there’s a lot of them.” [69:53]

• On Her Financial Score:
  Caleb (assigning Hammer Financial Score): “She overspent 0 out of 10…Barely just rounded to one out of 10. That’s being generous.” [92:21]

• Self-Reflection:
  Angel: “I’m a little bit of a yapper.” [37:40]
  Caleb: “You’re a flight risk.” [37:32]

Timestamps for Important Segments

• [01:40] Angel’s Intro & Background
• [03:03]–[04:08] Shoplifting, Morality, and Justification
• [06:00]–[08:40] Main job, passing out, medical leave, and employer process
• [08:40]–[20:00] Sugar baby work, explicit details, rates, and arrangement logistics
• [25:05]–[26:38] Rent, roommate, and housing payment struggles
• [32:25]–[38:44] Sex work, dating dynamics, and social attitudes
• [47:48]–[54:31] Credit card debt, financial mistakes, and accounting confusion
• [64:02]–[80:24] Deep dive into debts, loans, pet expenses, and car situation
• [69:48]–[73:50] Eviction threats, housing drama, and LA living conditions
• [91:17]–[91:54] Planning ahead: emergency funds and debt payoff
• [92:21]–[92:41] Hammer Financial Score and retirement assessment

Summary Table – Angel's (Approximate) Financial Snapshot

| Category | Amount Owed / Expense | Notes | |---------------------|----------------------|---------------------------------------------------------| | Credit Cards | Several thousand | Multiple cards, recurrent fees & late payments | | Car Loan | $15,574.67 | 2021 Corolla, underwater despite large down payment | | Student Loan | $1,300+ | Private loan, small required payments | | Sister | $1,000 | Borrowed for living costs during illness | | Rent | $1,600/mo | Often unpaid; roommate in similar straits | | Pet Expenses | ~$1,000/mo | Two dogs, two cats; no insurance for 14-year-old dog | | Income (Disability) | $900/week (expected) | Not enough to cover rent/essentials | | Ex-boyfriend “support” | $1,500/mo | Until January; then ends | | Sugar Baby Income | $1,000–5,000/mo | Highly variable, needs continual “recruiting” | | Other Expenses | Energy drinks, DoorDash, Pop Mart, weed, Amazon - high discretionary spending |

Tone, Language, and Takeaway

• Language/Tone: The episode is unfiltered, explicit, and often veers from dry financial talk to playful (and blunt) banter. Angel is irreverent, self-deprecating, and deflects with humor; Caleb is both incredulous and unwavering in his financial advice, often exasperated but always intent on reality-checking his guest.
• Takeaway: Angel’s life is a case study in financial instability fueled by lifestyle inflation, avoidance of hard realities, and a reliance on unconventional income streams. She’s constantly on the edge—both financially and socially—oscillating between short-term survival and grand plans for a more stable future.

Memorable closing:
Caleb: “…You have to suck dick to survive, and I don’t like that. That’s not a position anyone should be in.” [90:26]

Final Hammer Financial Score

1 out of 10 – “That’s being generous. It’s probably close to 0.5.” [92:41]

Interested in the drama? The post-show promises stories about her ex, her mom, and more utility scandals. For now, this audit leaves Angel with a stark outlook: without drastic changes, it’s a cycle of debt, instability, and hustling on the financial edge.